For 1 million rubles, you can take it in most banks in Russia. The likelihood of approval of such a large amount, the level of interest rate and other conditions for granting a loan depend on credit rating client, loan term and some other factors.

Conditions for obtaining a loan?

To receive a consumer loan for 1 million rubles, the client must meet the usual requirements for most credit institutions requirements:

• adult age (from 18 years);
• citizenship of the Russian Federation;
• registration in the region of the loan;
• having a formal job;
• a stable income of a sufficient level.

The standard set of documents includes:

• Russian passport;
• TIN, SNILS;
• driver's license and other documents at the request of the bank.

Preferential lending conditions are provided by banks to their payroll clients, pensioners, depositors and payers with already repaid loans. Such categories of citizens can take a cash loan for 1,000,000 rubles without certificates and guarantors under low interest. For registration, they will need to provide a minimum package of documents. Application processing times will also be reduced.

Which banks give a loan of 1 million in cash?

In 2019, you can take a million on credit for up to 240 months in more than 50 Russian banks.

In most banks, a loan will be approved only upon the provision of a certificate of income of the standard form 2-NDFL. If you have a complete package of documents, you can count on an interest rate of 9-10%.

How to get a loan for 1000000 rubles online?

You can quickly select and apply for a loan for two million rubles and more on our website. A simple and convenient loan calculator will help you calculate loan preconditions, consider offers from several banks and choose the best one:

• Enter your loan information in the appropriate fields. Specific parameters can be specified in the extended form.
• Carefully review the found offers, compare them, choose the one that suits you and submit an online loan application by clicking on the "Apply" button.
• An application form will open in a new window, in which you must enter reliable data and contact information.
• A loan officer will contact you as soon as possible and tell you about the next steps.

If approved, you can receive credit money on a card or account, both existing and newly opened.

Where can I get a loan for 1,000,000 rubles without refusal?

A damaged credit history, the inability to confirm income or its insufficient level, as a rule, become the reason for denial of a loan by banks. In this case, you can get money in a microfinance organization. You can find and take a loan without refusal on a card for 1,000,000 rubles urgently and with a bad credit history on our website, in the "Loans" section. Using the calculator, you can easily calculate the terms of the loan and decide which MFI is better to apply for it.

Many people are attracted to money. And so more and more often you have to think about where to get a million. It doesn't matter if it's rubles or dollars. The main thing that people are looking for or additional ways income or some other source of income Money. A million rubles is not such a big amount for modern world. Therefore, it is quite possible to get it. The question is - how exactly? The best tips and tricks for finding a million will be presented below. It is impossible to say exactly which options are suitable for a particular person. The issue of receiving a million is decided on an individual basis.

Relatives

Where to get a million rubles, and even on a gratuitous (or interest-free) basis? The point is that you can borrow the specified amount. Or ask for a gift. Relatives are invited to seek help. For example, to parents.

The method is good, but it is not suitable for everyone. Especially when it comes to money as a gift. Borrowing such large amounts of money from relatives or parents is a step that entails many consequences. If relations with relatives are normal, there will be no major changes. Otherwise, relatives will begin to recall a debt or a gift in any quarrel.

Loan from loved ones is the first way out of the situation. The offer is relevant only for those who definitely will not be remembered for help. But, as many say, contacting relatives on financial matters is more expensive for yourself. Therefore, it is better to look for other answers to the question of where to get a million.

Friends and acquaintances

The following advice is somewhat similar to the already known proposal. It's about about a loan or a gift from close friends or acquaintances. As a rule, the first option is more common in practice.

Of the benefits - friends are unlikely to ask for interest. Also, with friends you can easily discuss at any time issues related to the return of the debt. And even delay it. But there are also disadvantages. First, if the debt is not repaid, trust between people will be lost. Secondly, the second time you will not be able to ask for help, even for the smallest one.

Where to get a million? Relatives, friends, family and acquaintances - all this is good. Only, as already mentioned, this does not have the best effect on people's relationships. It is necessary to find methods of obtaining funds that are less dangerous for the relationship between citizens.

win

Where can I get a million for free? The following advice is not 100% guaranteed. But it should still be taken into account. The thing is that you can get rich without any debts by winning money. For example, the lottery.

In this case, the citizen will have to give a certain percentage of his winnings to the state, and keep the rest for himself. Playing the lottery is a matter of luck. A person may or may not be lucky. Therefore, it is clearly not worth getting hung up on such an option for solving the problem. It is enough to buy lottery tickets from time to time and hope that a million will someday be won.

Banks

Where to get a million rubles urgently? In any bank that operates in a particular city. In this case, you should pay attention to the fact that loans are not issued:

• children;
• To old people;
• unemployed.

Accordingly, in order for a loan for such a large amount approved, the citizen must initially have a good income. Important: many banks do not lend money to those who had problems with previous loans.

Where to get a loan (million rubles)? In Russia, they often turn to the following banking organizations:

• "Sberbank";
• VTB 24;
• "SKB-Bank";
• "Loco Bank";
• "Tinkoff";
• Raiffeisenbank.

MFI

Where to get a million dollars or rubles? A good alternative to banks are various MFIs. They are in great demand in Russia. People usually turn to in order to arrange a quick small consumer credit. But you can also come here for large sums.

As a rule, MFIs offer issuance of one passport in just a few minutes. But the interest that you have to pay along with the loan is quite high. The final overpayment will be substantial. It is because of this nuance that microfinance organizations are an extreme case. Usually, they are resorted to when there are no other sources of funds.

Passive income

Where can I get a million rubles for free? Loans are not always popular. And not in all cases it is required to receive 1,000,000 rubles quickly and immediately in a single amount. If a person thinks about it, then it is proposed to receive the specified money in installments over a certain time.

Where to get a million? Secure yourself from which to be deposited monthly. So for some time a million rubles will be received.

Most often as passive income leased property is used. For example, apartments. You can save up a million by renting a house in about 8.5 years. And this is provided that it will be 10,000 rubles per month. Usually it is possible to get the desired amount faster.

Contribution income

Where to get a million rubles without interest? The next method is well suited for those who already have a lot of money. It is proposed to put a large amount on deposit in the bank. Every month, a citizen will be able to withdraw interest accrued on the initial amount. And so over time, a million will accumulate.

The method is good, but unreliable. Especially now, in times of crisis. Firstly, if a person already has a lot of money, then he is unlikely to think about how to get 1,000,000. Secondly, now opening a deposit for large amounts is a high risk. And few people agree to it. Thirdly, you will have to wait a long time for the accumulation of the required amount.

Work

Where to get a million rubles? The most correct way is the answer, which, unfortunately, does not fully satisfy the population. Where to get this or that amount of money? Earn. Work is the main source of money. Getting 1,000,000 rubles in Russia for a certain period of time is quite realistic.

For example, in Moscow you can do it in just 5 months. It is enough to earn 200,000 each, but not to spend a single ruble of them. The offer is well suited for families in which both spouses work. Then the income of one person can be spent on living, and the other can be saved. The speed of achieving the goal directly depends on wages. Therefore, in an official job, it can be very problematic to end up with a million.

Business

You can try to open your own business. If everything works out, then 1,000,000, for example, a year is not so much for your business. Getting rich with a successful business is easy.

True, not everyone is given to achieve certain heights. Business is costly in the beginning. Yes, and there is always a risk of burnout. Therefore, you first have to weigh the pros and cons. However, as a first million prospect, the business is fine. It is simply necessary to take it into account.

By the way, even small businesses are taken into account. Sometimes this is how you manage to earn 1,000,000 pretty quickly. Only, as already mentioned, this technique is not suitable for everyone. It may turn out that a person instead of profit will receive only debts and expenses.

Exchanges and luck

Where can you get a million? Another rather interesting method of earning money is playing on the currency exchanges. For example, in Forex. Good for people who understand economics. It is easy to earn here 1,000,000 rubles or dollars, but you can also lose such an amount in a matter of minutes.

It is not recommended to play currency exchanges for those who don't know exactly what it is. In general, a similar method of obtaining large amounts of money is roulette. No one can say for sure whether you can win or not. It all depends on personal skills and luck. If she is on the side of the player, there will be profit. Not? Then you have to prepare for huge expenses.

Books

If a person is not thinking about where to quickly get a million, but how to earn it, you can give a huge amount of advice. The next step is publishing a book. Successful writers earn a lot of money from their creations. And all over the world.

The method is unreliable, it requires a huge amount of time, nerves and effort. In addition, the publication of the book itself requires certain expenses. Therefore, for a quick income, this method is not suitable. Also, there is a high chance of failure. It's hard to become a famous writer. Which means big money You can't make money writing books. Although, if you have time and extra money, it's worth a try.

Network marketing

You can make a million doing network marketing. Or just online sales. It's a pretty lucrative business. But, as practice shows, you first need to invest in it.

Becoming a successful network manager is not given to everyone. You will have to show activity, perseverance and ingenuity. If it works out, it will be possible to earn a lot, and steadily. And then 1,000,000 will quickly accumulate. But in case of failure, there will be no serious consequences. No debt, no interest. The only thing they pay attention to is spending. If you fail to become a successful network manager, the money invested in projects and your own development cannot be returned in any way.

Sales

Where can I get a million rubles for free? If we are not talking about urgent receipt of money, then you can do sales. Set aside and save all the proceeds. As an alternative - selling your own property.

Again, as with rentals, it is best to sell apartments and houses. Then at once you can get more than a million rubles. Some apply to realtors and start reselling real estate. They take the difference.

It is not difficult to accumulate a million rubles in this way. True, it is very time consuming. But this is only when it comes to resale. In the case of a single real estate transaction, this amount can be received very quickly.

State

And where to get a million for business? This question often worries those who are planning to start their own business. In Russia, entrepreneurs, especially new ones, are tried to be supported. Therefore, every businessman in one case or another can apply to the state to receive development subsidies. Certain amounts are given to companies from the state budget annually. But, as practice shows, once. That is, an entrepreneur can receive money for the development of his business 1 time.

It is enough just to pass the competitive selection and get on the list of applicants for grants for business and entrepreneurship development. For more accurate information on this issue, it is recommended to find out from the administration of the city in which the enterprise is registered.

Results

Now it’s clear where to get a million for free or with a refund. There are a lot of options. But if you think about it, the most reliable, although not always the fastest method, is the answer "make money".

Based on everything written earlier, the following options for obtaining funds can be distinguished:

• gift/inheritance;
• income from the sale / lease of property;
• earnings;
• opening a business;
• loans;
• interest on deposits in banks;
• loans (from relatives or friends).

In fact, getting a million, and even more so earning it for a certain period of time, is not so difficult. The main thing is to learn how to earn and save. If money is needed urgently, then loans and the sale of property can be considered a way out. As has been repeatedly said, in other situations it is recommended to honestly earn the desired amount in one way or another.

Despite the fact that recently the incomes of Russians have been growing, they are often not enough to solve such global problems as buying an apartment, car, developing their business. That is why citizens sooner or later face the question of where to get the necessary amount to solve their problem.

When in debt, the first thing that comes to mind is the possibility of obtaining a loan or a loan. According to statistics, every third resident of the country at least once in his life used such a bank service as a loan.

A loan can currently be provided by credit and banking organizations licensed to provide such services. You can also use the services of microfinance organizations (MFIs) to obtain loans. Consider the features of obtaining funds in the amount of 1 million rubles.

Features of lending without proof of income

Banks and non-bank financial institutions offer a variety of credit lines, which differ from each other in terms, amount, conditions. So, you can get, for example, 1 million rubles in two ways:

• The first way is to obtain a loan secured by property or a surety. In this case, the interest will be the most acceptable for the borrower;
• the second is obtaining a loan without collateral and references. With this type of loan processing, interest rates will be increased, and the loan repayment period will be shorter.

But it is worth noting that often citizens take a loan of 1,000,000 rubles without certificates and guarantors for 2 documents, although more expensive, but much easier, since the collection required documents It takes a lot of time, and the percentage of failures when agreeing to pay high interest is much lower.

Interesting fact:

Banks today assess the creditworthiness of the borrower not only by income, but also by a number of other factors. For example, some financial institutions have created entire departments in their divisions whose task is to assess the possibility of providing a loan through the analysis of client accounts in in social networks, such as: Vkontakte, Instagram, Facebook and others.

Bank offers for 1 million

On the financial market for private clients there is a wide choice loan offers. Consider the options where they offer to issue loans for 1 million rubles without income statements:

• "Vostochny Bank" - offers loans in the amount of up to 15 million at a rate of 15% per annum for up to 20 years.
• "Interprombank" - provides loans up to 1 million, for a period of 0.5 to 3 years at a rate of 12%.
• "OTPBank" - offers for citizens of the Russian Federation from 20 years old, loans in the amount of up to 1 million for up to 5 years, at a rate of 11.5%.
• "SKB-Bank" - provides loans in the amount of up to 1.3 million for up to 5 years at a rate of 11.9%.
• "Bank Pervomaisky" - offers funds for citizens of the Russian Federation from 21 years old, in the amount of up to 7 million for up to 5 years at a rate of 12.5%.

How much will you need to pay per month?

Consider the amount of monthly payments for each of the above proposals, provided that a loan for 1 million rubles is issued for a period of 5 years:

• "Eastern Bank" - payment of 23,790 rubles / month.
• "Interprombank" - payment 22240 rubles / month.
• "OTPBank" - payment 21990 rubles / month.
• "SKB-Bank" - payment 22190 rubles / month.
• "Bank Pervomaisky" - payment of 22,500 rubles / month.

How to get a loan of 1,000,000 rubles with a bad credit history?

It is important to understand that banks may refuse to grant a loan to an applicant without giving reasons. This is primarily due to the fact that by providing loans without collateral, banks take on huge risks associated with high probability loan default. That is why financial institutions most likely will not provide borrowed funds people with questionable credit history.

Lack of collateral in the form of guarantors or collateral is not the main reason for denial of credit. banks most often reject applications due to poor credit history

If it was your credit history that was the reason for the rejection, there are ways to fix it.

Ways to fix CI:

First option- attraction and repayment of short-term loans in banks (it is advisable to issue one in the bank where you plan to receive a million). This will increase the credibility of the borrower in the eyes of the lender and confirm that this moment he has the ability to repay debts.

Second way- apply for an urgent loan in the MFI. Of course, here the interest is higher, but if the bank refused even short term loan due to poor CI, only this option remains. By taking small amounts from MFIs several times and returning them on time, the borrower will also slightly improve his CI. Now he will be able to apply for a small consumer loan already at the bank, and then for a large loan in the amount of 1 million rubles or more.

Third way- draw up credit card with a grace period and use the money to pay off other debts. It is important to have time to close the debt on the card before the expiration grace period, then it will be possible to avoid the accrual of interest. Thus, it will be possible not only to improve the CI (by borrowing money and returning it on time, you prove your own solvency), but also to close the current delays without additional interest.

MFIs lend 1 million?

As a rule, microfinance institutions offer short-term loans for a small amount, since by law they are forbidden to issue more than 1,000,000. This amount is indicated taking into account the interest that is high in MFIs, so on average it will be possible to issue here, the rest (up to 1,000,000 million) will be interest.

You can get a large loan in the following MFIs:

Quick application form

Fill out the application now and get money in 30 minutes

Receive urgent loan for a million rubles - is it real? It sometimes takes Russians months to find an honest and responsible creditor. Netizens, using information from the site site, quickly receive a loan from a microfinance company or from a private lender. Affordable interest rates and transparency of cooperation are mandatory conditions.

Some Russians are hesitant to urgently take out a loan of 1,000,000 rubles from a private individual, and their fears are justified. Dozens of scammers operate on the Moscow financial market, undermining the reputation of honest investors.

List of trustworthy persons

• Individuals who issue private loans are distinguished by decency and honesty.
• Interest rates are in line with market trends. It is easier to negotiate with a private investor.
• Businessmen are ready to make available large sums, issuing loans for 1,000,000 rubles. with bad credit history is quite real.
• Requirements for the borrower are minimal. If finance company will ask for a detailed printout of income and a certificate of employment, Moscow businessmen usually ask for a passport and code, and also do not refuse clients with a bad CI.

On the pages of the portal, you can review the conditions for obtaining a loan, contact potential lenders and find out how a bad repayment history will affect the decision.

What is the difference between a private lender and a bank?

It is beneficial to cooperate with businessmen due to the presence of three favorable loan conditions. We are talking about the minimum number of papers, quick decision-making, and the speed of registration. Unlike bank loan, a loan of 1 million rubles from a private person can be obtained on completely different conditions. It takes from 30 minutes to 2-3 days to make a decision. The daily rate starts from 1%, and as insurance, a private person may require a receipt or conclusion of an agreement. Traditionally, the loan term does not exceed 1 year. One more important nuance- credit history, which does not play a decisive role in making a decision. Having studied the credit history of the partner, the owner financial assets may increase the interest rate or shorten the term of the loan. If there are no sources of income, and expenses are on the horizon, cooperation with an influential partner will allow you to urgently receive the desired amount.

Cash loan - simple and convenient way solve your financial difficulties: purchase expensive goods, invest in a business, improve living conditions, pay for tuition or travel.

Banks today offer similar loan products in the amount of 15 thousand to 3 million rubles for various periods. The interest rate, as well as the level of requirements for the client and the package of documents, depends on his belonging to a certain category, credit history and solvency.

Terms of Service

A cash loan is a non-purpose type of loan and may have significantly different conditions in different banks.

Consider the most interesting loan offers in the amount of 1,000,000 rubles.

The above table clearly shows that a cash loan in the amount of 1 million rubles can be obtained from a large and reliable bank on favorable terms.

The minimum rate can be obtained at Sberbank (from 13.9% per annum), the maximum of those considered - at Alfa Bank and Raiffeisenbank.

If the client is a participant in the bank's salary project, an employee of a partner company and has long-term financial relations with him, he may be offered reduced lending rates and minimum terms.

Video: Alfa Bank

Requirements for the recipient

The borrower is subject to the following requirements:

1. Age limit - from 18-22 years old to 65-70 years old (depending on the bank).
2. Citizenship of the Russian Federation and the presence of permanent registration in the region where the bank branch is present.
3. Getting a stable income.
4. Experience at the current place of at least 3 months (in some banks from six months).
5. Positive credit history.

Some banks issue loans exclusively to employees of affiliated enterprises and participants salary projects. Also, many banks lending to customers in large amounts require documentary

confirmation of solvency and provision of collateral or guarantee as a guarantee for loan agreement.

Which banks provide a cash loan of 1,000,000 rubles

The amount of 1 million rubles is quite large, and not everyone Russian bank issues such loans, especially if they are untargeted and unsecured.

The list of banks lending cash to borrowers for 1 million rubles:

1. Alfa Bank
2. Binbank
3. Rosselkhozbank
4. Gazprombank
5. VTB 24
6. Raiffeisenbank
7. Promsvyazbank
8. Sberbank of Russia
9. Moscow credit bank
10. Sovcombank.

Each of them is ready to offer potential borrowers attractive lending programs for various categories of citizens. The range of annual rates is quite wide - from 13.9 to 26.9% per year.

The minimum loan term starts from 3 months and is limited to 20 years. Consider the specific proposals of banks, depending on credit term and borrower requirements.

For 5 years

Five-year loan term is the most common option loan product in cash.

Below is a summary table with the conditions for obtaining a loan for 5 years in some Russian banks.

For 7 years

The list of banks ready to issue a cash loan for a period of 7 years is rather narrow.

The conditions for granting a loan for such a period are given in the table below.

For 10 years

A loan for 10 years is provided by most banks secured by property and / or a guarantee.

Consider below similar lending conditions in various banks.

Without certificates and guarantors

Some banks issue a loan on terms that are very loyal to the borrower, without requiring a lot of certificates and collateral.

There are several options for providing such conditions:

• the borrower is a participant in the salary project;
• the client submits an application on standard terms at a bank that lends to borrowers with high level risk (the rate in this case is much higher).

Banks that are ready to work with borrowers on such terms include:

1. Moscow Credit Bank (loan parameters have been described above).
2. UBRD (according to the offer “Credit for payroll card holders”, you can get a loan in the amount of up to 1 million rubles, for up to 7 years with a rate of 17% per annum).
3. Post Bank (the First Postal loan can be taken for up to 5 years with an annual rate of 16.9%).
4. SKB-Bank (a loan "For Your Own" will allow you to receive an amount of up to 1.3 million rubles for a period of up to 5 years with a rate of 16.9% per year).

How to issue

There are several ways to get a cash loan of 1,000,000 rubles:

1. Contact a convenient branch of the bank
2. Submit an online application through the official website
3. Call the manager's service number.

When applying for a loan through the website or by phone, after prior approval, the client will be invited to the selected office to provide documents and fill out a questionnaire.

The decision can be made from several hours to 7-8 working days. Upon acceptance positive decision a loan agreement is concluded between the parties.

Package of documents

In order to send loan application the borrower submits the following documents to the bank:

• Passport of the Russian Federation;
• Application form;
• Income statement (if necessary);
• Copy of work book.

Additionally, the bank may require you to present a driver's license, SNILS, compulsory medical insurance policy, TIN certificate, pension certificate, documents for bail. If there is a guarantor under the loan agreement, he provides the same documents as the borrower.

Loan repayment

Most banks establish mandatory annuity payments, which can be made:

• At any branch of the bank;
• Through ATMs and payment terminals of the creditor bank or its partners;
• In the branch "Post of Russia";
• In any bank with details;
• Through the Golden Crown loan repayment system.

Advantages and disadvantages

The advantages and convenience of the considered type of loans are:

1. Possibility to apply for long term(over 7-10 years)
2. Lots of offers without any security
3. Relatively favorable loan rates.

Observed disadvantages:

1. The need for official proof of income
2. The reluctance of some banks to work with new clients who are not participants in payroll projects.

Cash lending in the amount of 1,000,000 rubles is an effective way to solve major financial difficulties and needs. On the Russian market there are a large number of offers from reliable banks with a wide variety of requirements and parameters.

By accurately determining the loan term, the presence or absence of guarantees and the list of required documents, the client will be able to choose the loan option with the most favorable interest rate and convenient repayment schedule. Today, Sberbank, Promsvyazbank and Gazprombank are ready to provide the most attractive offer.