All residents of our country know thata financial institution called Sberbank is the most reliable and popular in Russia. The total amount of its assets exceeds 22.6 trillion rubles. Many people trust him with their money. But the most popular service in our time is the issuance of loans. Therefore, many citizens are most interested in the question: how to apply for a loan in Sberbank? That's what it's worth talking about.
This is the first thing you need to pay attention to.Before you apply for a loan with Sberbank, you need to carefully read all the conditions. So, the loan is issued for personal consumption in rubles. The minimum amount is 300,000, the maximum is one and a half million. The term is from 3 months to 5 years. But there is one nuance. If a person with a temporary registration applies to the bank, the loan will be given to him for such an amount of time, which will not exceed the term of its validity. There is no commission for the provision of services. And the provision is not required - this is also important to remember.
Now you can talk more aboutspecific cases of issuing a loan. And it's worth starting with loans that are issued with a guarantee of individuals. Judging by the reviews, the easiest way is for people who are clients of the bank. That is, those who have there a registered contribution or a salary card. To get a loan, they will need to bring only their passport. In addition, they can get a lower rate. So, is it profitable to make out a loan in this bank? If you judge objectively, then not very much. Looking at the example you can understand why.
Suppose a man who receives a Savings Bank cardthe salary at a rate of 40 000 rubles a month, wishes to issue the credit for a year. He has a wife with an income of 30,000 rubles / m., Which is also taken into account. With such indicators, he can be given on credit an amount of only 172,000 rubles. Under the rate of 13.9% per annum. Monthly payment is 15 435 rubles. And the total amount of the overpayment is 13 223 rubles. All this can be calculated and re-verified by using a credit calculator.
And if you need a million for 2 years?Experts argue that the application for such an amount will be approved if each spouse has a monthly income of 100,000 rubles. Then the payment is 47 965 rubles, and the total overpayment is 151 175.
Talking about how to apply for a loan inSberbank, we can not fail to note this topic. Judging by the responses, potential borrowers are subject to standard requirements. They are rigid only in relation to the income of clients. As it is important for financial institution employees to know that the consumer is solvent and able to repay his debt. The minimum age is 18 years. The maximum is 75 (at the time of return). Work experience should be at least 6 months on the last job place. A total year.
The testimonies indicate that from the documentsyou will need a application form, a general passport with registration (temporary is allowed), as well as documents confirming the employment of the client and his financial status. The same set should be collected and co-borrower. After submitting the documents, you should wait 2 days. At the end of this period, the bank will notify the person of its decision.
How to apply for a loan from Sberbank in thiscase, also worth noting with attention. This financial organization has developed a special program for servicemen participating in the funded housing mortgage system (NIS). A loan of this type is issued for any purpose. In their responses, the clients claim: they take it to pay an additional payment for the purchased housing. And, by the way, there is an opportunity to increase the loan amount, if you involve a guarantor. Without it, the maximum that can be obtained is 500,000 rubles. But if you involve an individual with a guarantee, the amount will increase to 1 000 000. And the rate will also be more profitable - 16.5% and 15.5% per annum, respectively.
For example, with an income of 70,000 rubles, you canget a loan for a year of 400 000 rubles. Monthly it is necessary to make about 36 740 as repayment. With the same parameters, you can get a maximum million - but only for 3 years. However, the monthly payment will be 34 910 rubles, and the amount of overpayment in the end - 256 784 rubles. How to apply for a loan from Sberbank to a NIS participant? To do this, you need to contact the office with a package of previously listed documents. It will also require a certificate showing the client's military service.
A couple of words and how to apply for a loanin the Savings Bank on the security of real estate. So, the conditions: the rate is from 14% per annum, the maximum period is 20 years. Among the advantages in customer feedback is the following nuance: a person does not need to confirm the targeted use of the loan. The loan currency is Russian rubles. The minimum amount that can be issued by a person is 500 000. The maximum amount of a loan can not exceed 60% of the appraised value of that property that will be issued as collateral. And the amount of 10 million rubles. But there is no commission for issuing a loan.
What can be accepted as collateral forcredit? There are several options. You can lay down a dwelling (house, apartment, town house), land, garage. All this takes Sberbank. Application for a loan in cash, which can be issued even in any branch of the organization, is considered from 2 to 8 days. It is also necessary to know that this type of loan is not granted to people who are IP, small business owners, shareholders, employees holding any managerial position and even members of the farm.
Today it is a very popular financial product.Naturally, it offers and Sberbank. You can apply for cash loans for refinancing by contacting any branch. But for a start - about the benefits. The person, who decided to refinance, is given the opportunity to reduce the monthly payment on current loans. Also he can repay 5 credits at once. And those that were received by him in other banks. There is also the possibility of removing the encumbrance from a car bought on credit.
Judging by the reviews, Sberbank offers a simpleThe scheme by which each person can understand their own benefit. Suppose, in the first bank, its monthly payment is 6 450 rubles. In the second - 11 457 rubles. In total, it is 17,907 rubles. If he signs a refinancing in Sberbank, his payments will decrease to 16,830 per month. This is taking into account the debt and payment for receiving funds for personal purposes in the amount of 135,000 rubles, which are also included in the refinancing service.
In the case of refinancing, there are somenuances that need to be taken into account. The first is documents. Their package is more voluminous than in the case of a conventional loan. In addition to the previously listed securities, you will need a certificate from the banks in which people borrowed. It should have the seal of the company and a personal signature of the representative of the financial institution. And also information about the loan - the date of the conclusion of the contract and its number, the date of completion of the term, the total loan amount and its currency, limit, interest rate, the amount of monthly payment and how much more a person must pay.
How can I issue a loan in Sberbank forrefinancing? It is necessary to collect a package of the above documents, after which - to come to the office at the place of registration. A loan for refinancing can be issued only in a city in which a person is registered.
In Sberbank there is a special credit program,created for people owning their own subsidiary farm. And part of the interest rate for them is subsidized by the state from budgetary funds. Many people are interested: is it possible to issue a loan in Sberbank without a certificate? Of course, no, such a serious financial organization simply does not give money.
In the case of this loan, in addition toof the documents listed above, you will need to provide another extract from the master book that confirms the man's record keeping of the subsidiary farm. You can get it in the administration of your village. There is one more nuance. Often, a loan of this kind is used by men who are citizens of Ukraine, but together with their wife, the leading farm in Russia. They can also get a loan, but only if their spouse has a Russian passport.
What information should be taken into account,if you want to issue a loan in Sberbank? The application (reviews confirm this fact) should be registered at the place of residence. As customers of the financial institution note, in this case the chance to get approval is higher. If the soul of the consumer is found "financial sins" - it is better to fix them. It's about bad credit history. Sberbank is the largest financial institution in the country. And, judging by the reviews, they trust their money only to people with good solvency.
How to act to get a loanin the Savings Bank? There are councils. True, they may seem strange. And the essence of the next - you need to draw up a few short-term loans or loans, and then pay them without delaying payments. Many in this way make themselves a positive credit history, which is always compulsory for Sberbank employees. But most importantly - carefully read the proposed rates and conditions, then not to regret the choice.
