OJSC "Belagroprombank" is engaged in lending to the population. It is possible to get a loan for consumer needs, for easy purchases, using credit bank cards(“Credit card with a discount”, Visa Instant (Standard), “Practical card”), online. The first is the most popular among the population, since it is not limited by the purpose of its use. Bankonomika.ru experts have found out how to get a loan from Belagroprombank for consumer needs.
A loan for consumer needs is issued for a period of up to 3 years, the interest rate depends on the chosen period. Collateral for amounts less than 2000 Belarusian rubles not required.
The product is suitable for those who want to make a large purchase and not save the required amount for a long time.
The final rate on a Belagroprombank loan for consumer needs depends on the refinancing rate of the National Bank of the Republic of Belarus:
The guarantee of an individual acts as a security for the fulfillment of obligations. For citizens with a positive credit history, with a loan amount of up to 7,500 Belarusian rubles, such security is not required. In case of delay in payment and untimely payment of interest, a penalty is charged in the amount of 1% of the amount of accumulated debt for each day of delay. Repayment is carried out in any branch of the bank or in self-service devices.
To obtain a loan for consumer needs in the amount of more than 2,000 Belarusian rubles, it is necessary to prove not only the solvency of the borrower, but also the financial capabilities of the guarantor - an individual. In this regard, the following requirements apply:
These requirements apply to both the borrower and the guarantor.
Compliance with all requirements is confirmed by the submission of the following documents:
To confirm the income for Belagroprombank's payroll clients, it is enough to present an extract from the current account, for other categories of borrowers - a certificate of income for 3 full calendar months (for an individual entrepreneur - a single tax payer - for 6 months, for an individual entrepreneur - income tax payer or being on the simplified tax system - for 2 quarters).
This can be done online or by visiting any branch of the bank. Depending on this, the rate and maximum loan amount will differ.
After entering the data, the application is sent for consideration
Online submission is not available for individual entrepreneurs, for non-salary clients, for citizens whose debt with a new loan exceeds 3,500 Belarusian rubles.
Video on how to apply for a loan online:
You can apply at any convenient branch of the bank during its opening hours.
You can find the nearest office on the official website in the "Regional network" section
On the map that opens, you must select the region, settlement and type of point of sale. 
A loan for consumer needs from Belagroprombank is easy to process and does not require a large package of documents to be submitted when applying. It is beneficial for paying bank customers to apply for a loan online and receive a reduced interest rate.
One of the leading financial organizations of the Pridnestrovian Moldavian Republic is Agroprombank. He works for financial market since 1991, which already speaks of its reliability. No wonder those wishing to take consumer credit in "Agroprombank" among the inhabitants of Pridnestrovie every year there are more and more. Let's talk about how to do it.
Most of the products from the loan range of Agroprombank are designed for clients with the status of legal entities. However, for ordinary people, this organization has a couple of suggestions, namely:
At first glance, this is not so much. But in order to cover the urgent need for finance, it is quite enough. Moreover, it is quite simple to apply for any of these loan products.
To apply for a payday consumer loan, a client must be a resident of the Pridnestrovian Moldavian Republic and have a SIM card issued by a local telecom operator. You can apply for a loan in the following ways:
Learn more about the last option. The text of the message that you send to the bank's CC number must contain one of the following words:
A bank employee, having received an SMS, will contact you within 24 hours and give instructions on how to proceed.
Important! Existing clients of Agroprombank can also apply for loans for consumer needs through the mobile application of this financial organization either through Personal Area on her website.
The consumer loan “Before payday” is issued exclusively in PMR rubles. Other types of currency are not provided for this credit account.
The loan amount can be no more than 30% of the borrower's salary. If you receive a salary on Agroprombank cards, you will not have to provide any documents confirming its size. Otherwise, when applying, you will have to present a certificate of income. The cost of using borrowed funds will depend on their volume. The calculation is made as follows: the client is daily charged 17 kopecks for every 100 rubles of the loan.
Loan repayment is automatic. As soon as funds in the required amount are received on the borrower's account, they are debited by the bank against the debt.
Important! More detailed information you can find out about the loan "To payday" at the contact center of Agroprombank. This data is not publicly available.
Individual loans from Agroprombank have been developed for companies and individual entrepreneurs. Individuals, in addition to the loan described above, can only rely on a credit card.
The Raduga card can be issued to any adult citizen of the Pridnestrovian Moldavian Republic residing in the region where the bank operates. The credit limit for it is set individually, depending on the client's income. The interest rate on the card is calculated in the same way. Its minimum limit is 13.3% per year, and the maximum is determined based on the amount of the credit limit and the city of residence of the client.
Important! Maximum size credit limit on the Raduga card can be 300 PMR rubles.
Agroprombank does not charge any fees for issuing and servicing the card. Also free of charge are all non-cash transactions using a credit account carried out in the merchant. But if you need to withdraw cash from the card, you will have to pay 1.5% of the withdrawn amount (at least 30 PMR rubles). In the same way, a transfer from a credit card to any other card belonging to an individual is charged.
Important! Agroprombank makes it possible to repay credit card debt ahead of schedule, without imposing any sanctions on the borrower in this case.
There are two ways to get an Agroprombank credit card:
After registration, the client is given access to mobile application bank and online account on its website. With the help of these resources, you can not only keep track of your financial affairs, but also apply for new loans and other products of Agroprombank.
Each user of the Raduga card receives the following bonuses from Agroprombank:
Track cashback and discount offers it is also possible through the remote services of Agroprombank. It's pretty convenient.
Today, a loan can be taken at any time and for any purpose. This has become the norm, as there is not always enough own funds to make a long-awaited purchase.
When you really need money for urgent needs, you should consider several different lending options, make calculations and choose the best option according to the conditions so that subsequent payments do not become a heavy financial burden.
"Agroprombank" is issuing credit cards. The main advantage of the bank is the most convenient system for opening credit lines for potential borrowers.
The application and the decision to grant a loan, upon submission of all the required documents, are made online.
A potential client needs:
take advantage loan calculator on the bank's website;
Choose the best tariff plan;
Enter data on income, purpose, amount and terms of lending;
Provide electronic copies of the passport, certificate of employment;
Send documents of the guarantor if the loan is a mortgage;
Leave your contact details.
After the calculation is made and the application is made, the entire package of documents is sent to the loan officer. After considering the application, a bank employee will contact the client and announce the decision.
The more reliable information is indicated in the questionnaire, taking into account a positive credit history, participation in the salary program of Agroprombank, the more likely it is to get a positive decision.
Agroprombank issues a consumer loan online in the amount of 5 thousand to 1 million rubles, for a period of 3 to 12 months at rates of 26 to 30%. It should be borne in mind that a commission of 5% (at least 1,500 rubles) is taken for issuing a loan.
Mortgage lending is carried out at an interest rate of 20% for a period of 36 to 360 months. In total, depending on the solvency of the borrower, from 100 thousand to 8 million rubles can be issued.
For the issuance of a mortgage, a one-time commission of 1.5% is charged, which will amount to at least 10 thousand rubles. Car loans from Agroprombank are sold at a rate of 20 to 29%, with loan amounts from 800 thousand to 8 million rubles. for a period of 12 months. There is also a 5% commission.
This is partly why the stakes are somewhat higher than others. credit organizations, but less than the percentage for using credit cards. This type of loan is suitable.
Agroprombank has developed a convenient and understandable customer service, so getting a loan for various needs has become easier, more convenient, and most importantly faster. There are situations when large amounts are required urgently, and time is equivalent to money.
Online lending at Agroprombank will be an ideal solution, since the total limit is quite high, and the possibility of obtaining a loan on time is much higher than that of other credit institutions.
Online lending is a serious step into the future in work banking system in general, as it saves time and nerves.
Agroprombank is one of the first to introduce this type of lending and is actively developing in this direction for the benefit of its customers.
is one of the most popular types of loans. If you decide to buy an expensive item or update your wardrobe, then you will be interested in such a service as a loan for consumer needs. Do not delay with the desired acquisition, saving money from each salary - take a loan for the purchase, which will allow you to have the thing you like right now.
Loan currency: Belorussian rubles
Interest rates on the loan (% per annum):
with a full maturity of up to 1 year 14.0% (CP+4 pp) *
with a full repayment period of 1 year or more 15.0% (SR + 5 p.p.) *
with a full repayment period of up to 3 years issued on-line - 13.5% (SR + 3.5%) *
The term for which the loan is granted: up to 3 years old.
Minimum loan amount:
Maximum loan amount: within the solvency of the borrower.
The term for consideration of the package of documents is 3 working days.
Registration of the contract guarantees with an individual as security for the repayment of a loan - 20 Belarusian rubles.
Loan security: guarantee(s) of natural person(s).
Special conditions for obtaining a loan without guarantors.
Providing a loan: by transferring funds to the current (settlement) account of the borrower opened in the bank.
Loan repayment:
Repayment of the debt on the loan can be made in the branches, departments and cash registers of Belagroprombank OJSC, regardless of the place where the loan is granted.
Requirements for the borrower (guarantors):
A loan up to 2,000 Belarusian rubles is possible without providing a document confirming income.
You can repay loans in Belarusian rubles in self-service devices (infokiosks) equipped with a cash acceptance module.
The banking organization "Belagroprombank" was registered on the financial market of Belarus in 1991. Today, the bank is engaged in the implementation government programs. The institution specializes in providing loans to the population. The banking organization has several deposit programs. Today, the bank occupies a leading position in the market and has a wide network of branches in many cities of the country. You should figure out how to get a loan from Belagroprombank for consumer needs.
Today, the financial institution operates a large number of various loan programs. They can be used by both ordinary citizens and legal entities. More than 10 loan products with different purposes are available for individuals. Most of these programs are targeted, that is, funds are issued for specific purposes.
For example, a bank has credit program "Student", which is intended to pay for higher education educational institution. In addition, loans are provided for the purchase of a car, housing, refinancing of loans issued in other financial institutions.
However, the bank also provides consumer loans, which are not targeted. This means that citizens who have issued such a loan can use the funds at their discretion. In this case, the creditor does not put forward any requirements. The loan can be transferred to the client's account or to the bank's credit card.
For regular and trusted customers financial institution with positive credit history(that is, without negative blots), it is possible to provide funds for preferential terms. A loan for loyal customers provides for the issuance of money at a lower interest rate than for other citizens. However, you can apply for funds only within five years from the date of repayment of the old loan.
As mentioned above, according to the conditions consumer lending The borrower can use the funds received for any purpose. This circumstance explains the high popularity of such loans among the population. The main parameters of a consumer loan at Belagroprombank are as follows:
To get a consumer loan at Belagroprombank, the borrower needs to enlist the support of a guarantor. In this case, the client will have to pay 20 rubles for the execution of the corresponding contract. However, for citizens who have a good credit history, there are special conditions. Such persons can borrow funds without resorting to the help of guarantors. But in this case, it will be possible to borrow no more than 7,500 rubles.
Citizens of the Republic of Belarus and persons with a residence permit can receive funds (registration in the country is mandatory). To be able to apply, a citizen must reach the age of majority. In addition to these standard requirements, a potential borrower must also:
If the borrower is registered as an individual entrepreneur, an additional requirement is put forward for him. Such citizens should not have debts to state budget(in the field of tax and other transfers).
First of all, a potential borrower must have a passport of a citizen of the Republic of Belarus (the requirement does not apply to persons who have a residence permit). Individual entrepreneurs will also need to provide a current account statement for 6 months (prior to the date of application). From such persons, one more certificate is required to obtain a loan. It is issued by the bank that maintains the current account of the enterprise, and must contain information about the presence or absence of debt on other obligations.
You will also need to submit a document that confirms the income of the borrower. Individuals must submit a certificate of salary, which will indicate the data for 3 months before applying. Other requirements are put forward to other categories of the population:
Persons receiving wages(or other types of income) to an account with Belagroprombank, instead of the above certificates, they can provide an extract from this account. After the submission of documents, employees of the financial institution are given no more than three days for their consideration and decision.
Funds are transferred to the borrower's account. However, it is not possible to apply for a loan online.. To do this, you must personally come to one of the branches of a financial institution, fill out an appropriate application and submit the required documentation. After reviewing the application and analyzing the documents, the employees of the financial institution will make a decision on the loan.
Meanwhile, citizens can apply in advance. You can do this in one of two ways:
But even if a potential borrower submits a preliminary request, he will still have to personally visit one of the bank branches to draw up an application and, if approved, sign a loan agreement.
Thus, loans from Belagroprombank for consumer needs are provided to adult citizens of the Republic of Belarus and persons with a residence permit. In order to receive funds, the client must be of age and have a source of stable income. You can take out a loan for a period not exceeding three years. The maximum loan amount depends on the income level of the borrower. A preliminary application can be submitted remotely, however, to apply for a loan, you must personally appear at one of the bank branches.
Belagroprombank is one of the largest banks in Belarus. It was founded in 1991, and its activities were aimed at serving the agricultural complex. it authorized bank Belarus and through it the implementation of state programs supporting the country's agro-industrial complex is carried out. Over the years, from a highly specialized institution, the Bank has become a multifunctional financial institution.
Today the Bank serves both large enterprises countries, as well as individual clients - individuals. Particular attention is paid to retail services, including consumer lending.
Belagroprombank provides loans to individuals for various purposes. For consumer needs, the Bank offers cash loans and credit cards.
Loans are available only for national currency countries. The terms depend on the lending program, and the maximum amount depends on the solvency of the borrower.
Loans for consumer needs and credit cards are provided under the guarantee of an individual. It is possible to issue a loan without a guarantee only if the potential borrower has already taken loans from banks of the Republic of Belarus for a period of at least 6 months and has a positive credit history.
In this case, the Bank may provide funds in an amount not exceeding 22,000,000 Belarusian rubles and the loan will be secured by a penalty. When issuing credit cards without guarantors, the Bank puts forward additional requirements.
The cost of issuing a surety agreement is 100,000 Belarusian rubles.
It should be noted that according to the terms of lending, the interest rate is floating and can change after the conclusion of the contract.
The cost of the loan is set at the level of the refinancing rate + 15.5%, that is, when the refinancing rate changes, on the same day, the annual percentage on credit.
Lending is carried out only after agreement, for this the client submits an application-questionnaire of the borrower and the questionnaire of the guarantor.
Loans are issued only at the Bank's branches, but a potential borrower can make a preliminary application to speed up the issuance procedure. It can be submitted by calling the Bank's Contact Center or in the Internet banking remote service system, if the client is already registered in this complex.
The application form must be filled out completely, all fields are mandatory. Empty fields may result in denial of credit.
The information must be true and complete.
Do you have a bad credit history, but you are in dire need of a loan? Read the article - a consumer loan with bad credit history, and find out which bank is ready to give you a loan.
Belagroprombank provides funds for consumer needs in the form of a loan, which is credited to a settlement or current account opened with the Bank, and in the form of payment credit cards. Visa systems and MasterCard.
Consumer lending programs
Loan for consumer needs
Credit cards
On our website, you can download application forms for the following credit cards: MasterCard and VISA.
Required Documents:
Application-questionnaire of the borrower, the form of which you can download from the link.
Help about monthly income, which can be downloaded here.
The period for which this document is issued depends on the economic and legal form of the enterprise and the taxation system.
Depending on the subject that issued the certificate, its period will correspond to:
Other types of documents confirming the solvency of the client:
Loans are issued only on the condition that the client meets the requirements of the Bank, namely:
Do you want to take out a consumer loan for 10 years? We will tell you where and under what conditions it is possible to do this. To learn more.
Do you want to know how to get a consumer loan using 2 documents? Read the article on our website.
The minimum loan amount is 1,000,000 Belarusian rubles. The maximum limit depends only on the solvency of the client, which he confirms by submitting official documents on income.
For credit cards maximum limit defined and constitutes 50,000,000 Belarusian rubles. It depends on the type of card and on the type of security.
Depending on the type of collateral (guarantee or penalty) under the terms of lending, the maximum thresholds are reduced for each product individually.
The term for consideration of a package of documents for a loan for consumer needs and credit cards is 4 days.
The exception is credit limit installed on international card Visa Instant. In this case, the Bank may make a decision on lending up to 2 months.
The loan for consumer needs is repaid in accordance with the classical schedule. The main debt is paid in equal installments, and interest is calculated monthly based on the balance of the loan body for each day.
Credit card debt is repaid as follows:
Payments can be made through the Bank's cash desks, regardless of which branch or city the loan was received from, as well as in self-service terminals.
Belagroprombank is a reliable and profitable partner. Acceptable loan interest and convenient programs allow each client to find the most profitable product for themselves.
The bank's development trends and the processes of introducing new programs, conditions and services indicate that the Bank is striving to improve the quality and convenience of service and make consumer loans even more accessible to its customers.
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Financial and credit institution began to work in the market banking services since autumn 1991. Form of ownership - open joint stock company.
it largest bank Republic of Belarus, which provides a full range of financial and credit services to tens of thousands of economic entities and millions of individuals.
The head office is located in Minsk on Marshal Zhukov Street.
More than three hundred branches with operating rooms have been opened on the territory of the state, which serve customers in the following operating mode:
Attention! The difference between Moscow and Minsk time is 00 hours 00 minutes.
In the bank's diversified activities, a huge segment is devoted to work in the debt capital market.
The good reputation and support of the Belarusian government allows the banking organization itself to act as a large borrower of financial resources, and, then, to correctly distribute them among its clients in the form of loans to legal and individuals.
Private borrowers who are served in the largest Belarusian commercial bank may take advantage of the following loan options:
1. Car loans for the purchase of a Chinese Geely car. Targeted loan for the purchase of a passenger car in the dealer network of an automaker from China in Belarus.
2. A loan for the purchase of a car from a car dealer, in which its maximum amount can be up to 70 percent of the price of the vehicle.
A loan allows you to purchase a car without waiting for the accumulation of the required amount of funds only at the expense of personal income.
3. "Student". The loan can be obtained by the student himself in the system of higher education and higher educational institutions, his spouse, parents (legal guardians). The loan amount should not exceed the price of the educational service.
4. "Refinancing". It helps citizens to pay off their debts in other Belarusian credit organizations.
5. "Easy shopping." Allows you to receive the amount (up to 5000 Belarusian rubles) to the bank's customers for the purchase of goods and services from its partners.
The list of trade organizations (names, addresses) with which the creditor has entered into cooperation agreements is published on the page of its website.
6. "For the purchase of domestically produced goods." Profitable terms at an interest rate. Loan agreement is concluded with the client without a guarantee.
7. Loan of funds using the payment instruments of the lender - Belagroprombank credit cards.
8. With the ability to use an overdraft - short-term and operational lending. A loan can be issued on-line, the consideration period is up to two days, the maximum loan amount is 5,000 Belarusian rubles.
9. For the purchase of goods. For the purchase of goods in trade organizations that have an agreement with a credit institution. A list of such stores can be found at the following link.
10. For construction or for the acquisition of ownership of real estate for housing. Also, this loan can be used to purchase securities issued in the form of housing bonds.
11. Loans for the development of private farms. Such loans motivate citizens to secure their household products of own production, and provide their surplus to the market for sale to other consumers.
12. To pay for services on vacation with VISA CLASSIC cards. Payment for services rendered non-cash form, vacationers produce using special terminals.
13. For consumer needs.
Attention! Complete information about credit products, the conditions for their provision to individuals, can be obtained by contacting an online consultant on the official website of a banking institution.
You can get a consumer loan for your needs in two ways:
The recipient of credit funds and the guarantor of their return within the contractual terms, with a direct appeal to the bank's managers, may be an individual who must have:
It's important to know! When borrowing from a bank an amount of up to two thousand Belarusian rubles, a certificate of personal income may not be provided.
When a borrower applies for a consumer loan online, via the Internet, it should not be:
Advice! Before Applying for a Loan in cash to the bank, call them in advance to find out if you meet the requirements that apply banking organization borrowers, to the availability of required documents, clarify other conditions for obtaining a loan product.
1. Loan for consumer needs received from a bank:
Attention! The interest rate is not a constant value, it changes and depends on the financial and credit policy National Bank of the Republic of Belarus, in particular, from the refinancing rate (SR) set by him, which is valid at the time of issuing a consumer loan.
2. A loan for personal needs, issued online, is provided on the same terms as when concluding an agreement at bank branches.
In this case, when there is no guarantor, a way to ensure contractual obligations on the part of an unscrupulous borrower will be a penalty amount (forfeit), which he will be obliged to pay in accordance with the contract signed by him and civil law.
It's important to know! Citizen applyingon-line on a consumer loan, before that, he must have accounts with Belagroprombank for at least three months, to which he received some kind of income, for example, wages, pensions.
At the planning stage of taking a loan for consumer needs, in order to finally decide how to take it, to clarify all the nuances, benefits and risks, you can apply for a call from a banking specialist.
For this you need:
When a client visits the bank personally who decided to take a consumer loan in one of its branches, controls the entire procedure for its registration, and the employee of the credit institution organizes and carries out the necessary operations.
When using Internet banking to apply for a consumer loan for your own needs, you must be a registered user of this service.
In order to be able to register, you must:
Order online registration loan:
1. Open the page for entering Internet banking.
2. Enter the password and login, click on the "LOG IN!" button.
3. In the menu (left side of the page), click on the section for applying for a loan online.
4. Select, among the types of products, "Consumer", and click on the yellow button "Next".
5. We determine the current account or card number where the consumer loan will be transferred to us, agree with the use of our own signature, and again click "Next".
6. After choosing the method for confirming the operation, press the "Continue" button.
7. In a new window, we make our identification, for example, by entering the desired session key, click "Send" with the mouse.
8. We agree with the provision of information about ourselves from third-party sources and Internet resources (law enforcement, fiscal, supervisory and other government agencies).
9. After checking the correctness of personal information, click "Next".
10. Fill in the required fields and enter the amount of consumer credit requested by us, and then click "Create an application".
11. We are waiting for a message that our application for a consumer loan has been accepted for consideration.
12. We are waiting for the menu item "Filing an application for online loan”The “Approved” mark will appear, and click “Select Application”.
13. In a new window, we check the information on the proposed conditions for the allocation of the requested amount, if you have no objections, then we agree with them.
14. After downloading the lending conditions and agreeing to them, by ticking the box, click "Next".
15. Download the draft loan agreement and agree with it by entering the confirmation code received on the previously indicated phone number. Again, click on the "Next" button.
16. Again, according to the previously specified algorithm, we select the confirmation option.
17. After confirmation credit operation, we receive a notification about the transfer of funds.
18. We are waiting for the transfer of the requested amount to a bank account.
The received consumer loan allows you to immediately solve some problem, eliminate the current problem or quickly purchase the thing you like.
But, you should always take into account that debts will have to be repaid, and with interest. Therefore, weigh your current desires with your possibilities at the time of repayment of the loan.
Advice! Even at the stage of making a decision to take a loan, use the approximate calculations using the loan calculator.
