Credit to seafarers
As you know, a sailor is a well-paid profession in the country. It would seem that with such work problems with lending should not arise. But not everything is so simple.
A pressing question is brewing: is it possible for a sailor to take money on credit?
According to national legislation, a loan to sailors in the country should be issued on a common basis, but in practice, many credit institutions are not willing to contact this category. This is due to the fact that they go to sea for an impressive period, sometimes up to a year, which will prevent them from making monthly payments under the contract. The second reason is not stable wages – they can pay for their work upon arrival back (depending on the contract). Together, this forms the image of insufficiently reliable customers in the eyes of banks.
Lending conditions for seafarers
In major port cities, banks offer special offers for seafarers. For them, a moderate interest rate and debt repayment from the 3rd month of use are provided. But in order to take a loan to a sailor on such conditions, you will have to:
- Bring the co-borrower or guarantor in the person of the spouse / relative. This “attorney” will be able to make regular payments while the main borrower is unavailable;
- Provide documents on the right of ownership as collateral;
- Have experience of over a year at the current workplace.
So, to get a housing loan for sailors, you must provide:
- TIN code;
- Certificate of a seaman;
- Last contract;
- Agreement on the next flight with the specified salary;
- Extract from the salary account for 12 months.
Having collected a full package of documentation, the creditor bank will offer the following lending options:
- Amount – up to 300 thousand USD;
- Duration – up to three years;
- Interest rate – from 15% per annum;
- Age – 23-65;
- Down payment – from 10%.
How to get a loan for a sailor?
And yet, the long-term issuance of a loan at the bank and the lack of a guarantee of approval, forces us to look for a backup option for the lender who is ready to help, even if everyone else said no. So, the online lending service is known for its liberal attitude to customers, therefore, a loan is guaranteed to everyone here, regardless of salary, worked years (months) and other criteria.
The parameters of microloans are the same for all categories of citizens:
- The first loan (up to 6000 dollars) – interest-free;
- Subsequent calls allow you to become a member of the loyalty program, which means increasing the limit to 12000, automatic confirmation and discounts on use.
Another indisputable advantage is the speed of data processing – about 15 minutes per one online application. In addition, you can submit it at any time – the service works around the clock, and will help in any situation.