General terms
Credits for consumer needs from VTB Bank these are credit lines in the amount of up to 5,000 rubles, which can be issued without an income statement and a guarantee.
In addition, the calculator will help you determine the amount of savings on interest, if you are ready to keep the amount of the loan payment at the same level.
Using the order form, you can apply for a loan in 1 minute, after which the bank will contact you and inform you of the decision and determine the place (branch) for processing all required documents.
Belinvestbank is a financial institution whose services are in great demand among the citizens of Belarus. Such popularity is more than justified, because this institution includes a huge number of special offers and lending programs developed for almost all segments of the population, from students to military personnel and pensioners.
In Belinvestbank, a cash loan can be obtained both for the purchase of necessary goods, and for the purchase of real estate or a car, which allows customers to change their lives for the better, and on very favorable terms.
In this context, it is very difficult to single out any specific lending program, all the more so to call it, for example, the most profitable. This is impossible, since each tariff was developed for certain purposes and for certain citizens with a certain level of income.
In other words, everything is interconnected, credit department When creating tariffs, Belinvestbank took into account all the needs of the population, relied on statistical data and social surveys, took into account the current economic situation in the country.
For clarity, the most used by customers tariffs will be published to the attention of readers, within which you can take a loan from Belinvestbank. This financial structure has 11 lending programs, now, the conditions for using only 3 tariffs will be made public:
Under this tariff, you can get money debt both in cash and by transferring borrowed funds to a card or current account. Any person who has Belarusian citizenship or a residence permit on the territory of the Republic can act as a borrower:
Employees of law enforcement agencies of the Republic of Belarus can get an “Officer” loan at Belinvestbank, they can be both active officers (military personnel) and former employees, they are also the so-called military pensioners:
Quite often, unforeseen life situations arise that require citizens to urgently invest money. It is in such cases that this tariff is more useful than ever, because the process of its registration, including signing and cash withdrawal, will not take more than 60 minutes:
It is not easy to get a loan in Belinvestbank, as in any other financial institution. Yes, in order to consumer loan has been issued, each potential applicant for borrowed funds will have to meet certain requirements of the lender:
Regarding the package of necessary documents, this must also be collected and provided to the employee for work with individuals upon request in full:
It is noted that, if necessary, a representative financial structure may request an additional list of papers, which should not be surprising.
A consumer loan is a type of loan provided to citizens or households for the purpose of purchasing consumer goods.
In Belarus, consumer loans are issued by JSC "Belinvestbank". With their help, every citizen can purchase the necessary things for their needs. A consumer loan is issued for a period of five years, its maximum amount is thirty million Belarusian rubles. Head office "Belinvestbank" is located in the city of Minsk.
The client is given the opportunity to choose classic look loan or revolving line of credit. A floating interest rate is linked to a consumer loan, which interacts with the refinancing rate of the National Bank of the Republic of Belarus. For more favorable conditions the borrower is reduced this rate by 2%, provided that he simultaneously chooses life and disability insurance.
Citizens also have the opportunity to consumer credit to pay for tuition. Cash loans can be obtained for the entire period of study and an additional five years. To obtain this type of loan, a guarantee is required.
If the borrower has already repaid at least two loans in Belinvestbank, then he will not need to take a guarantee for the next loan, otherwise it is mandatory.
JSC "Belinvestbank" has extensive experience working with clients in the field consumer loans. Specialists have rich experience in the field of lending and high qualifications, will help customers choose the most advantageous view loan, talk about the requirements and conditions for a loan, and also help to document everything.
Consumer loans "Belinvestbank" issues to adults individuals who are citizens of the Republic of Belarus, or foreign citizens(non-residents, but permanently residing in the territory of the Republic of Belarus), who are registered at the place of residence or stay in the Republic of Belarus and have an officially confirmed stable income in the country of its receipt.
Based on the assessment of the borrower's creditworthiness and his needs, the loan amount is determined. To assess creditworthiness individual entrepreneurs wishing to take out a consumer loan, no more than 50% of net profit. For non-working pensioners, no more than 10% of the pension is taken into account.
If the borrower has a negative credit history(overdue debts, outstanding loans, etc.), the bank has the right to refuse to issue a loan.
Consumer loans "Belinvestbank" are issued to individuals only in Belarusian rubles.
Under the terms of the loan agreement, the fulfillment of various types of loan obligations is ensured by:
The borrower must meet its obligations under loan agreement in the above ways (one or more).
Program consumer lending "Belinvestbank" provides for the possibility of withdrawing a cash loan by transferring it to a bank card.
Program conditions:
Sum credit loan individually.
Belinvestbank individually selects possible ways to ensure loan repayment in each specific case, taking into account the peculiarities of its credit policy.
| Credit term | Name of loan | Delivery method | Maximum loan amount | Type of provision | Provision method | Interest rate |
| 6 months | For consumer needs | One-time issuance | Guarantee | 34% | ||
| 1 year | For consumer needs | Cash withdrawal Money | Calculated based on the solvency of the applicant | One-time issuance | Guarantee | 36% |
| 4 years | For consumer needs | Cash withdrawal | One-time issuance | Guarantee | 40% | |
| 5 years | For consumer needs | Cash withdrawal | Calculated based on the solvency of the applicant (up to 50 million Belarusian rubles) | One-time issuance | Guarantee | 41% |
| 2 years | For consumer needs | Calculated based on the solvency of the applicant | Guarantee, forfeit | 38% | ||
| 3 years | For consumer needs | Using a bank payment card | Calculated based on the solvency of the applicant | Non-revolving line of credit | Guarantee, forfeit | 40% |
| 4 years | For consumer needs | Using a bank payment card | Calculated based on the solvency of the applicant (up to 50 million Belarusian rubles) | Non-revolving line of credit | Guarantee, forfeit | 40% |
| 5 years | For consumer needs | Using a bank payment card | Calculated based on the solvency of the applicant (up to 50 million Belarusian rubles) | Non-revolving line of credit | Guarantee, forfeit | 41% |
| 4 years | For consumer needs | Calculated based on the solvency of the applicant (up to 50 million Belarusian rubles) | One-time issuance | forfeit | 40% | |
| 5 years | For consumer needs | Cashless transfer of funds | Calculated based on the solvency of the applicant (up to 50 million Belarusian rubles) | One-time issuance | forfeit | 41% |
| 5 years | For consumer needs | Cashless transfer of funds | Calculated based on the solvency of the applicant | One-time issuance | Guarantee, forfeit | 39% |
| 5 years | For consumer needs (with simultaneous insurance against accidents and diseases) | Cash withdrawal | Calculated based on the solvency of the applicant (up to 50 million Belarusian rubles) | One-time issuance | forfeit | 39% |
| 7 years | For consumer needs | Non-cash transfer of funds in payment for goods (works, services) of domestic production on the basis of a settlement document submitted by the borrower | Calculated based on the solvency of the applicant | One-time issuance | Guarantee, security deposit, penalty | 36% |
The acquisition of living space in most cases is associated with the attraction of credit funds. Belinvestbank offers several credit housing programs for the population of the Republic of Belarus.
You can get borrowed funds for the construction of a residential building, or other real estate, or for the purchase of finished housing.
The loan amount depends on appraised value property, while the borrower must contribute at least 10% of their own funds to pay for housing. The solvency of the main borrower and co-borrowers is taken into account.
Guarantees are allowed not only for individuals, but also for legal entities.
At any credit term, partial or full early repayment without imposing fines.
To obtain a housing loan, you will need to prepare the following documents:
application of the main borrower, indicating personal data;
The Bank has the right to request additional documents of the borrower or guarantors.
You can leave an application for a loan for the purchase of housing at a branch of Belinvestbank, or on the official website of the organization. The borrower does not receive the loan. The bank transfers money by bank transfer to the account of the developer of the object, or the seller of the finished property.
To purchase your own living space, it is easier for a citizen with an average salary to use the services of credit organizations.
In Belinvestbank, a loan for the purchase of housing is available under several programs, including a preferential one for persons in the queue for improvement living conditions.
To buy an apartment or house, Belinvestbank customers can take advantage of several targeted offers:
This program allows clients to apply for a cash loan for the purchase or construction of residential and other real estate on the following terms:
The application is considered by the bank within 10 business days. Under the terms of the loan agreement, early repayment of the debt without paying a fine is allowed.
2. Apartments from a partner
This offer is for clients who are ready to purchase real estate directly through a developer cooperating with Belinvestbank. At the same time, lending conditions depend on the choice of partner, as well as on the desired amount and term of the loan. All provisions of the contract are developed individually for each borrower.
You can get acquainted with the list of companies on the official website of the bank in the section with the selected lending program. It also indicates the conditions under which the bank issues a loan in cooperation with a particular organization. To date, the choice of developers is limited to Minsk, Minsk and Mogilev regions.
This program is designed specifically for participants state program to improve living conditions. A loan for clients from the queue is issued on the following conditions:
The application is considered within 3 working days.
As a guarantee for the bank, customers are invited to attract guarantors before putting the facility into operation. Only after all the documents are drawn up for the house, it is transferred as a pledge to the creditor until the obligations under the contract are fulfilled.
Belinvestbank puts forward standard requirements for its customers. The organization is ready to cooperate with able-bodied citizens of the Republic of Belarus who, at the time of application, have a general seniority from 1 year and experience at the current place of work for at least 6 months.
Belinvestbank issues loans for the purchase of housing in 2018 upon submission of the following documents:
The list is supplemented by documents at the request of the bank, for example, the following may be requested:
Final list necessary documentation the client will be called in structural unit the bank in which the loan agreement will be concluded.
For detailed advice on Belinvestbank products, you can fill out an online loan application on the official website of the institution. During the working day, the manager will call you back and answer all your questions or invite you to the nearest branch to fill out a detailed application for a loan.
In addition, the borrower can apply for a mortgage in another financial institution. Consider the main options and proposals.
Ways to get:
Mortgage from Tinkoff Bank
up to 25 years term
from 6% to 14.5% per year interest rate
up to 100,000,000 rubles loan amount
from 10% to 40% an initial fee
15 minutes application processing time Go
Ways to get:
Selection mortgage loan via Beregu.Ru
up to 25 years term
from add per year interest rate
up to 20,000,000 rubles loan amount
from 0% to 80% an initial fee
15 minutes application processing time Go
In addition, the borrower can apply for a loan at a microfinance organization, where funds can be obtained by providing only documents confirming the identity of the client. Getting a loan in such an organization is quite easy, sometimes it is not even required to provide collateral.
Ways to get:
3-336 days term
up to 98,000 rubles 1st loan
up to 98,000 rubles repeated loan
from 0.16% to 2.1% per day rate for new clients
4 minutes application processing time Go
Ways to get:
1-30 days term
up to 10,000 rubles 1st loan
up to 15,000 rubles re-loan
2.24% per day rate for new clients
15 minutes application processing time Go
Ways to get:
7-21 days term
up to 30,000 rubles 1st loan
up to 30,000 rubles re-loan
from 0% to 2.1% per day rate for new clients
10 minutes application processing time Go
