Get a loan with the lowest interest rate. Low interest loans. Problems with BKI and several solutions

Take a loan of less than 10% per annum in Vostochny, Raiffeisen and Renaissance loans, the advantage of these banks will be that they consider applications without providing a certificate of employment. Tinkov, Sovcombank also do not require confirmation of income, but their minimum bar is from 12% per annum. Getting money at a relatively low percentage of 15% is quite realistic in UBRD.

Best cash loans

Alfa-Bank is the largest Russian private bank, one of the top 10 most significant credit institutions.

A universal bank that carries out all major types of banking operations, serving private and corporate clients, investment banking, trade finance, etc.

A cash loan in the amount of up to 3,000,000 rubles is issued at Alfa-Bank with an interest rate of 9.9% for a period of 1 to 5 years.

A consumer loan up to 1,000,000 rubles is issued at a rate of 14.99%, the first 100 days do not accrue interest for the use of money. Only a passport is needed.

Alfa Bank has a huge selection of credit and, mortgage lending and deposit options, free savings services, programs and loans secured by property.

Application approval rates are high.

Summary: Alfa-Bank is a reliable bank that holds leadership positions and offers various services on favorable terms.

Loan at low interest

Bank "Home Credit" - loans up to 1,000,000 rubles from 7.9%!

Home Credit Bank is the market leader in consumer loans at points of sale. To apply online and get a loan, you only need a passport.
A wide range of products for customers of different social status. For regular customers additional favorable conditions. Client deposits are insured.
The Bank actively participates in the social life of society.

Summary: Home Credit Bank ranks first in the consumer loan market due to low interest rates, customer focus and modern services and services.

Low interest cash loan

Renaissance Credit - up to 700,000 rubles at 11.3%

A bank with low interest rates, where you can get a consumer loan on two documents. It works in almost all major cities of Russia, gives out cash on the day of application for up to 5 years, has a special program for pensioners.

Summary: "Renaissance Credit" is a bank with the lowest interest rates, where you can get a loan on two documents.

Low interest cash loans

"Raiffeisen Bank" - a single rate of 10.99% for a loan amount up to 2 million rubles

The bank follows the highest quality standards in its work, so customers trust it and agree to long-term cooperation.
To apply for a loan up to 300,000 rubles, you only need a passport; up to 1,000,000 rubles - a passport and proof of income; up to 2,000,000 rubles - a passport, proof of income and employment. The term of use is from 1 year to 5 years.
The decision on the online application is made in 2 minutes. You can get an approved loan at the branch or with free courier delivery.

Summary: "Raiffeisen Bank" issues loans for large amounts at a reduced interest rate.

Loans at low interest

Eastern Bank - low interest and high odds

In our opinion, Vostochny Bank does not have the smallest rates, but there are maximum chances for approval of an application even for borrowers with a bad credit history. In this bank, you can take a loan on a passport, without a certificate of income and any additional documents. Applications are accepted online, and are considered within 5-10 minutes.

Summary: Bank "Vostochny" - not the smallest interest, but the maximum chance of approval of the application.

The lowest loan interest

"SKB-Bank" - simple and convenient lending.
SKB-Bank issues consumer loans in the amount of up to 300 thousand rubles without a certificate of income, up to 1.3 million rubles with a certificate. Interest rate from 9.9%. Loan term from 1 to 5 years. The application for a loan is considered up to 2 working days. Early repayment is possible without commissions and penalties.
Convenient, modern and free internet banking and mobile application.
Instant money transfers between cards of any banks.

Summary: "SKB-Bank" - low interest on loans for any purpose; universal online service.

Take out a small loan

Sovcom Bank is in the top 10 banks with the most profitable loans in 2018.
In "Sovkom Bank" you can take a loan in the amount of 5 thousand to 1 million rubles for a period of 1 to 5 years. Interest rate - from 12% per annum. For a loan of up to 40 thousand rubles, you only need a passport. The best offer is a loan of 100,000 rubles for 1 year at 12% per annum. You can apply online in 2 minutes.
There are special credit programs for pensioners. A large amount can be obtained on the security of a car or real estate.
If you have a bad credit history, the bank offers the "Credit Doctor" program.

Summary: Sovcom Bank is a large financial institution with attractive conditions for consumer lending.

Take a consumer loan at a minimum interest

Tinkoff Bank is a modern and practical bank with a full range of financial services.
A loan of up to 2 million rubles for 1-3 years is issued without certificates, guarantors and a visit to the bank. The interest rate on the loan is from 12%.
All applications are processed online, the card will be delivered by courier from 1 to 7 days to any place. Perhaps partial early repayment - at any time by phone. Free replenishment at 300,000 outlets in Russia. There are mortgage lending programs.
The first Russian bank that completely abandoned branches. Banking transactions are instantly carried out by phone or via the Internet.

Summary: Tinkoff Bank is the best online retail bank with a variety of credit and debit cards for any need.

Consumer loan the most favorable conditions

Post Bank is a new retail bank with branches in Russian post offices.
In Post Bank, you can get a loan of up to 1.5 million rubles for a period of 1 to 5 years. All you need is a passport and SNILS. With payments from 10,000 rubles per month, the interest rate is reduced from 12.9% to 10.9%. The decision on the application is made in 1 minute.
The Element 120 bank credit card allows you to make purchases with payment within 120 days. The bank has special conditions for loans for education and.

Summary: Post Bank is a universal retail bank with affordable loans for various purposes.

Banks consumer credit

Rosbank is part of the Societe Generale group, the leading universal European bank.
The bank offers a loan "Just Money" without collateral in the amount of 50,000 to 3,000,000 rubles with an interest rate of 13.5% to 19.5% for a period of 13 to 84 months. A passport and a certificate of income are required, if the amount exceeds 400,000 rubles, then the bank requests additional data. The credit limit can be increased upon presentation of information on additional income. More attractive conditions are offered for borrowers who receive wages to an account with Rosbank, employees of partner companies, pensioners, state employees, etc.
Rosbank approves 8 out of 10 submitted loan applications.

Summary: "Rosbank" offers credit programs at rates above average.

Profitable loan

"OTP Bank" is a universal credit institution, a member of the international financial group OTP (OTP Group).
In "OTP Bank" you can get a loan in the amount of 15,000 to 4,000,000 rubles. Rates vary from 10.5% to 14.9%, determined by the bank, taking into account the client's risk level. Loan term up to 7 years. Application processing time from 15 minutes to 1 business day. There is a paid service "Transfer of payment date".
Bank offices in 3700 settlements of the country. In addition to individuals, the bank cooperates with representatives of small and medium-sized businesses, develops lending solutions for corporate clients, and is a reliable partner for financial institutions.

Summary: "OTP Bank" provides loans to corporate clients and individuals, the interest rate is determined individually.

Get a loan from a bank at a low interest rate

UBRD is the largest bank in Russia offering quality service and simple financial solutions.
The bank offers three types of loan products:
● "Affordable" loan - up to 200,000 rubles with an interest rate of 11% without certificates and guarantors only by passport;
● Loan "Open" - up to 1,500,000 rubles, the rate is from 11%, you need a passport and income statement;
● "120 days" - from 30,000 to 299,999 rubles for 3 years. Interest for using the loan is not charged for the first 120 days, after the expiration of the grace period, the rate is 28-31%. For registration, you need a passport and a certificate of income.
Fee for maintaining a card account and withdrawing funds. Early repayment - free of charge.

Summary: UBRD provides loans for various requests at affordable interest rates.

How to get a consumer loan at a low interest rate?

Start with "your" bank. If you receive a salary on a card, apply for money to the bank that issued this card. You will surely expect lower interest rates and minimum requirements for a package of documents. For example: a standard consumer loan at Alfa-Bank is 15.99%. And if you receive a salary on a card, then the interest rate is reduced to 13.99%

To increase your chances of finding the best deals, consider several options. Apply to two or three places at the same time, find out your individual rate and choose the bank that offers the most favorable conditions.

Collect documents. Many banks issue cash loans without a certificate of income, and sometimes simply on the basis of a Russian citizen's passport. This is convenient, but if you are counting on low interest, try to confirm your financial situation with some documents. Best of all - a certificate in the form of 2-NDFL and a copy of the work book.

Reasons for rejection and how to avoid them

If you have already decided in which bank it is better to take a cash loan from the proposed list, you should be prepared for a possible refusal. There may be several reasons:

1. Spoiled history on past loans. This is both a fully unpaid debt and an untimely payment. For example, for Post Bank, a critical moment is a delay of 5 days.
2. Sometimes the age of the client can affect the fact that it will be difficult for young people under 21 to take a small loan. However, there are exceptions to the rule.
3. Inaccurate data, such as wages, fake certificates or documents.
4. Appearance can also serve as a reason for refusal, especially being in a state of alcoholic or drug intoxication.
5. When making a decision, the bank takes into account the costs, and if there are already existing loans, it is worth telling the bank employee about this.
6. Returning to the topic of wages: it should be twice as high as the possible monthly payment. And this is the minimum.
7. The bank will not approve a cash loan at a low interest rate if the borrower does not even have a temporary registration where the branch of the financial institution is located.
8. Yes, and do not discount the fact that the bank without explanation may refuse to issue a profitable loan. The application will reach him if the automated system missed it.

Getting a cash loan at low interest rates is easy.

Enough to fix:

• If you don't have a permit, apply for one. And remember: the longer its validity period, the larger the loan amount, and, accordingly, more organizations where it is more profitable to take a loan.
• If the salary is low, you can either find guarantors (wife-husband, brother-sister, cohabitant-cohabitant, and so on), or provide a deposit (apartment, car).
• If you have already made a choice in which bank to take a cash loan, but you have existing loans, them. Some organizations, according to the documents provided, repay debts, and the person receives the balance of the approved amount. Others provide to independently close contracts in other banking institutions. And in the case of submission of documents within one or three months, interest rates on loans may decrease.

Problems with BKI and several solutions.

The first problem that can prevent a person from getting favorable interest rates on loans is the complete lack of credit history. This most often happens to young people. A financial institution carries great risks, so it is unlikely that it will be possible to get profitable loans even with high wages.
The way out is the registration of a pair of small or commodity and repayment without delinquency of loans. Another option is to issue a credit card, payments on which are also recorded in the Credit Reference Bureau (CBI).

Bad credit history is the second problem. You can't get a loan at a low interest rate in cash. Moreover, it can be spoiled both through the fault of the borrower and through the fault of the bank. There are several solutions to the problem:

• Bank rates on loans, if a plastic card is issued, are higher, but this is a way out. Due to the so-called grace period, you can, for example, withdraw several tens of thousands of rubles from the card, and put them back 2-3 days before the end of this period.
• Before looking for banks that issue consumer loans with a low interest rate, read the agreements if you have already taken out loans. It should indicate the Credit Bureau where your payments will be recorded. It is advisable to apply there in advance, request a report that will come in .pdf format. Moreover, 2 times in 1 year it can be requested for free.

It happens that through the fault of the bank, the Bureau is replenished with incorrect information. And here the problem already arises, not in which bank it is better to take a loan, but how to correct the history, especially if you are sure that there were no such delays. It's great if the checks are preserved, but they will only be needed in case of problems with the bank.
The steps are not complicated: an application is submitted on the BKI website indicating personal data (full name, passport), and a description of the situation with the financial institution (when the loan was taken, contract number, whether there were any delays (if yes, the number, duration), what mistakes were made ). After 30 days, the Bureau must deal with the situation and send a response.

It is worth emphasizing two main points. First, take an interest in your history. Secondly, do not succumb to the persuasion of scammers that for a certain amount they will be able to fix it. This is wrong.
The bureau can correct the story only if the borrower writes an application. And only in the case of actually committed factual errors. But the dialogue will already be conducted exclusively between the Bureau and the organization that issues the loan and sent inaccurate data of the borrower.

In case of poor CI, contact the MFI. If you have been approved by several microfinance organizations, choose the one with the best conditions. Banks, when they see a lot of loans in different MFIs, regard this as having financial problems.

In which bank is it better to take a cash loan with a bad history? Pay attention, for example, to Sovcombank and its program "Credit Doctor". It allows you to take the amount for a short period of time just to ensure that the Bureau receives a positive story. Other financial institutions also have such programs.

1. Having studied in which bank what percentage of the loan, read the reviews about it. Sometimes in the comments there are tips that will help you get a loan profitably.
2. If the bank where it is profitable to take a loan is a salary one, then it is better to apply first to it. As a rule, such organizations reduce the package of documents down to one passport.
3. If you, when answering the question of where it is more profitable to take a loan, chose a bank with a deposit opened in it, refuse it. The situation is changing so fast that a trustworthy bank today may lose its license tomorrow. Thus, the payment of the deposit and insurance will not be made until the debt is repaid.
4. When deciding which bank to take a loan from, go to the site, study all the conditions, even written in small print, and calculate the possible payments at the minimum and maximum offered rates.
5. Before deciding where it is better to take a loan, in which financial institution, fully calculate all possible situations: job loss, disability, and the like. It is unpleasant when a bank goes to a meeting, especially with a damaged credit history, and the borrower cannot repay the loan.

To take a loan, where conditions, rates, interest are more favorable - this is a normal desire of any person. We hope that the information you have read will help you do this with the least loss of time.

Consumer loans at a minimum interest

Today, banks are gradually reducing interest on consumer loans, but they are extremely reluctant to do so. For example, some credit institutions, in an attempt to attract customers, advertise minimum rates. But in fact, they issue loans at a high interest rate, reducing it to the declared value only a few months after the issuance of money.

This strategy can be considered a cunning trick of bankers, but on the other hand, for many individuals, for example, those who cannot boast of an ideal credit history, this is a good opportunity to borrow money for a long time at an acceptable rate. Agree, many of us, having received a refusal to lend in large state-owned banks, are ready to slightly overpay for a couple of months, but then repay the loan at a low rate for several years. In addition, this is a chance for customers with bad credit history.

It should also be noted that many banks today require a minimum package of documents from borrowers and even issue consumer loans using only one passport. If you provide a certificate of income and a copy of the work book, then you can borrow a very large amount from the bank at a low interest rate and for a long time.

10 consumer loans with a low interest rate

Here we have collected the best offers from banks in Moscow, St. Petersburg and other cities of the country, where today you can take a consumer loan on favorable terms. The percentage will be low, but the probability of approval of a loan application is high.

Loan for any purpose in Otkritie Bank

In Otkritie Bank today you can get from 50,000 to 5 million rubles, while no collateral or guarantee is required. Funds are issued for a period of 24 to 60 months, that is, from 2 to 5 years. The decision on the application is made within 15 minutes to 2 business days. The only restriction is that the funds received cannot be spent on business-related purposes.

Who can get money

What documents are needed

Loan Easy in Gazprombank

Gazprombank today offers to borrow from 50,000 to 3 million rubles. Funds can be borrowed for a period of 13 months to 7 years. In this case, to receive money, you do not need to attract guarantors or leave anything as collateral to the bank. The loan is issued without collateral.

Who can get money
Age from 20 years; experience from 3 months.

What documents are needed
Passport + 1 document + Proof of income.

Raiffeisenbank loans

In Raiffeisenbank today you can get a loan for any purpose without collateral and guarantors. Up to 500,000 rubles can be taken with just two documents. All you need is a passport and proof of income. If you ask for a large amount, you will have to carry a copy of the labor. Citizens of the Russian Federation, except for individual entrepreneurs, aged 23 to 67 years old, can receive a loan.

Who can get money
Age from 23 years; experience from 3 months.

What documents are needed
Passport + proof of income.

Cash loan at Home Credit Bank

A consumer loan in Home Credit Bank can be obtained without collateral and guarantors. There is also no issuance fee. Those who have already borrowed at Home Credit Bank can count on an amount of 1 million, and new customers will be offered to first take up to 500,000 rubles for up to 5 years. The package of documents is minimal: the loan is issued according to the passport. But you can also provide SNILS, and pensioners - a certificate from the FIU. Citizens of the Russian Federation under the age of 70 with a permanent source of income can apply.

Who can get money
Age from 18 years old; experience from 3 months.

What documents are needed
Passport + 1 document + Proof of income.

Alfa-Bank loans

A loan from Alfa-Bank today can be taken without commissions and guarantors, and the rate does not depend on the availability of insurance.

Citizens of the Russian Federation aged 21 and older can receive money. It is important to have a regular income of 10,000 rubles after all taxes and a continuous work experience of 3 months or more.

Who can get money
Age from 21 years old; experience from 3 months.

What documents are needed
Passport + 1 document + Proof of income.

Sovcombank loans

Sovcombank has many loan programs for receiving money for various purposes. According to the passport, you can take a loan in the amount of up to 40 thousand rubles. And on the security of real estate, you can get up to 30 million rubles. An important advantage of Sovcombank can be considered that here you can get a loan for pensioners up to 85 years old, and no extra certificates and documents are required.

Who can get money
Age from 20 years; experience from 4 months.

What documents are needed
Passport + 1 document + Proof of income.

Bank loans Renaissance Credit

You can get money at Renaissance Credit Bank on the same day you apply. With the highest probability, the bank will approve a loan to clients aged 25 to 70 who can confirm their employment with a copy of the work book certified by the employer or an employment contract. It is good if the borrower has an income of more than 8 thousand rubles a month.

Who can get money
Age from 24 years; experience from 3 months.

What documents are needed
Passport + 1 document.

UBRD loans

The Ural Bank for Reconstruction and Development is registered in Yekaterinburg, but it has offices in many Russian cities: in Krasnodar, Nizhny Novgorod, Kazan, Samara and others. You can get a loan from UBRD by providing only a passport and a certificate of income. Clients aged 21 to 75 years old with a total experience of 12 months, 3 of which are at the last place of work, can receive money. By the way, UBRD has a special product for the elderly – the Pension loan. Pensioners can receive money only with a passport.

Who can get money
Age from 19 years old; experience from 3 months.

What documents are needed
Passport + 1 document.

OTP Bank loans

OTP Bank today provides an opportunity to issue cash loans for individuals on favorable terms. Depending on the needs of the client, the loan manager will select the most suitable loan option. Loan processing in OTP Bank is possible in just 15 minutes. Citizens of the Russian Federation aged 21 to 68 years old, including pensioners and individual entrepreneurs, can apply for money.

Who can get money
Age from 21 years old; experience from 3 months.

What documents are needed

Loans at low interest in Vostochny Bank

In Vostochny Bank, you can get the necessary amount of money without unnecessary certificates and other documents. A loan in the amount of up to 1 million rubles is issued according to the passport, the application is considered quickly, the rate is quite low.

A consumer loan from Vostochny Bank can be granted to any employed citizen of the Russian Federation aged 21 to 76 years with experience in the last place of work from 3 months.

A loan for a larger amount - up to 30 million rubles in Vostochny Bank can be obtained on the security of real estate. The loan is issued for a period of 15 years, and the interest rate in this case will be minimal.

Who can get money
Age from 21 years old; experience from 3 months.

What documents are needed
Passport + 2 documents + Proof of income.

Loan calculator: calculate payment online

How to get a low interest consumer loan

✓ First, contact the bank where you are a payroll client first. If you receive a salary on a Sberbank card, then first of all go for the money there, if you are a salary client of VTB, then act accordingly. In "native" banks, you are likely to expect lower interest rates and a minimum package of documents.

✓ Secondly, do not get hung up on one bank. Consider several options. Apply to multiple locations at the same time. Believe me, each of the banks will offer you its own interest rate and you will be able to choose the best option.

✓ Thirdly, do not be lazy to collect more documents. Many banks today issue cash loans without a certificate of income, and sometimes only with a Russian citizen's passport. This is convenient, but the interest in these cases is unlikely to be minimal. To get a really low rate, confirm your financial viability with documents: a certificate in the form 2-NDFL and a copy of the work book.

Do you know that…

A loan may be denied today due to high personal income tax

Before applying for a loan, try to at least roughly calculate your Debt Burden Index (DLR). It represents the ratio of monthly payments on loans to the total income of the client, confirmed by documents.

Today, all banks and MFIs must necessarily calculate the personal income tax of each client who plans to borrow more than 10,000 rubles. If he is high, then the money will most likely be refused.

How to calculate PDN

Banks and MFIs use a rather complex formula for calculations. But you can roughly calculate your PDN yourself. To do this, you need to divide the monthly expenses for all loans by income.

PTI = (all loan expenses for 12 months / official income for 1 year) × 100%

If you give more than half of your income to repay loans, then such PTI is considered high and a new loan may not be given.

To increase your chances of being approved for a loan:

✓ Maximize existing loans;

✓ Reduce credit card limits;

✓ Submit documents to prove income not earned at the main place of work;

✓ Find a co-borrower with a high income.

How to assess your strength before getting a loan

Before applying for a loan, it makes sense to conduct an experiment, that is, try to live for at least a month on the money that will remain after making a payment on the loan.

This is advised by the first vice president of the self-regulatory organization (SRO) "National Association of Professional Collection Agencies" (NAPCA).

So you can understand whether it is realistic to live on the amount remaining after the payment of the monthly payment or not.

Ideally, the loan payment should not exceed 30-40% of income.

Note that the above conditions and interest rates on deposits of individuals are not a public offer.

The potential borrower must:

• Take into account the financial burden that will fall on his shoulders when repaying a banking product. The client should choose such a ratio of the amount and term of the loan, in which the amount of payment will not exceed half of his monthly income.
• Pre-familiarize yourself with the offers of banks that can provide the client with preferential terms - lower rates for individuals. First of all, you should pay attention to organizations in which the client has a salary card, a deposit is opened or there is a positive credit history.
• It is necessary to carefully study all the conditions of the selected program. Often, the amount that the borrower must return to the bank does not only consist of the amount of principal and interest, but includes additional payments that are not obvious at first glance. Commissions can be charged by the bank at a time when receiving a loan or monthly during the entire period. Sometimes, instead of a commission, banks set increased interest for the first month. At the same time, lower rates apply for the rest of the term, which are indicated as base rates. In addition, often in the first month there is no repayment of the principal debt.

Only the amount of accrued interest is repaid. As a result, interest is charged twice on the same loan amount, which significantly increases the final amount of the overpayment. The bank often offers the borrower to conclude a personal insurance contract. If he agrees to insure his life, health, the risk of losing his job, then the client can take out borrowed funds on more favorable terms. Usually the rates for offers with personal insurance are 1-2 percentage points lower compared to offers without insurance. Which option to choose, the borrower decides for himself: personal insurance is a voluntary service, the bank has no right to impose it. On our website you can compare all product parameters in detail using a calculator. In this service, you can print the payment schedule, calculate the overpayment and the amount of the monthly payment, relative to the loan term.

Financial institutions issue consumer loans in cash with an interest rate of 9.9% to 23% per annum. A low interest rate is the range from 9.9% to 11% - the amount of overpayments on the loan in this case will be minimal. However, not all categories of borrowers can count on the approval of such a loan.

Loan conditions at low interest

To get a loan with a minimum interest rate, the borrower must have:

1. Positive credit history;
2. Certificate 2-NDFL confirming a stable monthly income for the last 6 months;
3. Seniority - both in last place and overall.

An important role in the process of loan approval at a minimum percentage will be played by:

• Availability of collateral - pledge or guarantor;
• Registration of insurance. Rejection of it will raise the rate by 1-2 percentage points;
• Providing additional documents when applying for a loan;
• Availability of a salary card in a credit institution engaged in issuing loans.

How to get a low interest loan

To apply for a loan product at a favorable interest rate, you must:

1. Select a lending bank from the list provided. Priority is given to the financial institution through which payroll is calculated;
2. Fill out an application on the bank's website. It is recommended to indicate the most complete information in it: the amount of monthly income, the presence of encumbrances, contact details;
3. Visit the bank office to provide all documents and sign the loan agreement.

How is a low interest loan repaid?

Loan repayment is made by monthly annuity payments by transferring funds to the borrower's credit account. The main ways to replenish the account:

• Cashless intrabank transfer from a debit account;
• Cashless transfer from a card of another bank;
• Cash replenishment through ATMs;
• Cash through the cash desks of the bank in any branch of the lender.

Consumer loans with a low interest rate in Moscow in 2020 can be issued both in large federal networks and in small banks. Low rates are set by regular programs, often with certain restrictions. Often referred to as seasonal offers to attract new customers as part of loyalty programs.

Terms of low interest loans in Moscow

A loan at a low interest rate in Moscow makes it possible to become the owner of the required amount without references, additional documents. When analyzing the data provided by the borrower, the following is taken into account:

• experience of interaction with other financial institutions;
• the age of the potential client;
• the presence of delinquency on past loans;
• having experience.

If all the conditions of the Moscow Bank are met, you can count on the lowest interest rates. Favorable offers with cash withdrawal may also apply to certain categories:

• pensioners;
• civil servants;
• the youth;
• large families.

With a low interest rate in Moscow, it is more often issued for a period of one year or more. The exact period depends on the client's request.

How to get a loan at a low interest rate in Moscow?

You will find a loan at a low interest rate in Moscow on our website. Use filters to sort offers according to the given criteria. It remains to send an online application to the selected one. Try to fill it out as accurately as possible in order to guarantee a positive decision.