JSC "ASB Belarusbank" provides a wide range of financial services physical and legal entities. One of the most popular areas is the provision of loans to various categories of the population in accordance with their needs. Specialists carefully study the current situation on the market and try to offer services on the most favorable terms. Having become acquainted with complete list existing lending opportunities, each client will be able to choose the most optimal option.
One of the most demanded products of Belarusbank is loans for consumer needs. They are characterized by ease of design and a minimum set of requirements, which increases their accessibility for all segments of the population. The main purpose is the purchase of goods or services for personal use. They can be obtained by every citizen who meets the conditions.
A consumer loan in Belarusbank is distinguished by soft requirements - the absence of guarantors and the need to confirm income (up to 490 Belarusian rubles). The maximum amount that can be obtained for this type of lending is 8 thousand Belarusian rubles. rubles.
The interest rate depends on the time during which the client will use borrowed money. The loan calculator of Belarusbank allows you to pre-calculate the amount of the monthly payment, taking into account current income. Funds can be received both in cash and non-cash.
To take a loan from Belarusbank for consumer needs, you must provide a basic package of documents, which includes:
Persons carrying out entrepreneurial activity must provide:
Application for payment is made on official portal on the Internet or in the office of Belarusbank.
This type is issued in 2 cases:
This program is issued without guarantors for up to 7 years. The amount that can be obtained for this type of loan corresponds to the amount of debt. A citizen can receive additional funds that exceed the balance of another loan if he is able to repay payments on time. In this case, proof of income must be provided.
Confirmation of solvency is not required when receiving an amount up to 20 base units. The client can apply for any amount without a document from the place of work, if he already receives wages or pension in branches of Belarusbank. 
The following conditions must be met for an application to be approved:
Applications are made online or at bank offices.
This program involves the use of an international credit card, which has a renewable limit. Its advantage is the minimum set of documents. A loan can be received by every client of Belarusbank who receives a salary through it and has not yet reached the age of 57.
Citizens with both good and bad credit history can use the service. But the first group receives a lower interest rate.
The term of the credit card is 3 years. After this time, it needs to be reissued. The amount of money provided to the applicant depends on his solvency. The Belarusbank loan calculator allows you to calculate monthly payments, taking into account all the nuances.
This type of loan is available for the following categories of people:
When applying, you need to provide a basic package of documents.
Includes 2 programs:
The first offer allows you to receive funds without initial capital at a low interest rate. The maximum term is 7 years. A 6 month deferment is possible.
The amount of the payment depends on the financial situation of the borrower. The method of securing obligations is a guarantee.
The second program provides a low interest rate for the first 2 or 3 years. The loan amount is determined in a similar way. But it can be increased by adding the income of the guarantor. Term - up to 7 years.
Both programs require the submission of the same set of documents, which includes the basic set, a registered copy of the sales contract vehicle or reference invoice. 
You can leave an application for receipt only at the branches of Belarusbank.
This is the most convenient type of lending with relaxed requirements. Without visiting the office of Belarusbank, you can get loans of 2 types:
Disbursement of funds under both programs is carried out in a non-cash way. Guarantors are not needed. Any client of Belarusbank who owns a plastic card and using the Internet banking system.
Term - up to 3 years, maximum amount - up to 10 thousand Belarusian rubles. rubles. The exact figure depends on the solvency of the citizen. The method of securing obligations is a penalty.
The interest rate for the first program is 0.01% per annum, for the second it depends on the term. Members of the Carte Blanche club receive more than profitable terms. The list of partner stores where the “Installment without overpayments” offer is valid is presented on the official portal of Belarusbank. 
This type involves the provision of funds on the basis of agreements with partner companies that sell goods or provide services.
Includes 4 programs:
None of them require proof of income or guarantors. Supporting document is required only upon receipt credit card. Debt repayment is carried out in equal installments. In addition to the basic package of documents, it is necessary to provide contracts and invoices. The list of partners is presented on the official portal of Belarusbank.
Consideration of the application within the framework of the first proposal is carried out within 1 hour. The term depends on the agreements with the partner organization, but no more than 3 years.
Term, amount and interest rate loan offer"Partner" is determined by the contract.
The term of the loan provided under the agreements concluded with organizations is 1.5 years. A calculator will help you calculate a loan in Belarusbank for consumer needs. It takes into account almost all the nuances, including credit history, which allows you to get the most reliable results.
For young people under the age of 31, Belarusbank is ready to offer 2 programs:
Interest under the first offer is calculated at a reduced rate during the first month. The transfer of money is made by issuing a credit card. The maximum amount is no more than 5 thousand Belarusian rubles. rubles, the term is up to 5 years. The borrowers are young families with a child. A birth certificate must be added to the basic package of documents.
The second sentence is not much different from the first. Exception - the maximum amount is 200 basic units, the possibility of securing a loan with a forfeit with a good history of loans, no need to have children.
It is provided to pay for the first training of the client in secondary specialized or higher educational institutions, provided that it will be held in full-time form.
The calculation is carried out by transferring funds to the account educational institution. The amount of the payment is equal to the annual cost. Any means, except for insurance and forfeit, act as collateral. Interest is charged at a low rate. The borrower is obliged to repay interest starting from the next month after receipt, and total amount- within 5 years after the completion of the educational process at a university and 3 years at an institution of secondary special education. 
A certificate stating that the education received is the first, a copy of the contract with the educational institution, a certificate of income for the past 3 months are added to the basic package of documents.
This program is best loan for pensioners price Belarusbank | It applies to all people receiving a pension, regardless of their actual age. The maximum amount is 150 base units. The borrower receives a credit card. The maximum term is 3 years.
The Time to Live program is notable for its economical interest rate. Cardholders of Belarusbank receive even more favorable conditions.
You can leave an application at any office of the bank or on its official resource on the Internet. To do this, you need to prepare a basic package of documents and an extract on the amount of the pension for the past 3 months. Obligations are secured by any permitted means, except for penalties and risk insurance.
Belarusbank provides loans to the population to meet various needs related to the acquisition, construction and repair of housing. Each program provides for specific cases, which allows you to choose the most suitable option with the most favorable conditions. Belarusbank home loan is one of the most popular products that citizens often use to improve the quality of life.
It is provided to clients who have previously received funds from the banks of the Republic of Belarus for the purchase of real estate.
The loan amount is determined by the solvency of the applicant, but not more than the amount necessary to repay the debt. Credit obligations are secured by all permitted methods, except for a penalty and risk insurance.
To receive a loan, you must meet the following requirements:
When making an application, in addition to the basic set of documents, you must provide an extract on a previously taken loan containing basic information.
it affiliate program Belarusbank and Dana Holdings - a large construction company in Belarus. With this offer you can pay up to 90% of the cost of housing. The term is up to 20 years. 
Interest is divided into 2 periods. A special calculator located on the official website in the "Credits and Leasing" section will help you calculate a loan in Belarusbank.
The method of securing obligations depends on the amount of the payment. If it exceeds 100 thousand Bel. rubles, then it is necessary to provide a pledge of the acquired housing.
Payment of the main debt is carried out monthly, and accrued interest - for the real period of use.
When applying, you must provide a document from the company, indicating the right to receive funds under this offer.
You can use this program after a decision is made by the relevant authority to provide financial assistance to the population in paying off a certain part of the accrued interest. The loan agreement must be concluded before the building is used for its intended purpose. 
The amount of the loan is determined by the cost of housing and the financial capabilities of the client. Consolidation of family income is possible. The maximum term is 20 years. The transfer of funds is carried out by crediting to the account of the organization. The list of citizens who are entitled to receive financial assistance can be found on the official website of Belarusbank.
When applying, you must provide a basic package of documents and a certificate confirming the provision of a subsidy.
Belarusbank loan for housing construction allows you to purchase funds for the implementation of the corresponding goal. The term of the grant is up to 20 years. You can cover up to 90% of the cost with a loan. The specific figure depends on the financial capabilities of the client. With their lack, it is possible to combine the income of the family and close relatives. Interest is accrued in accordance with the refinancing rate of the National Bank of the Republic of Belarus + 3 p.p.
To apply, you must provide a basic package of documents. In addition, some other papers are needed, the list of which depends on the method of construction.
This program allows you to purchase funds for the purchase of a housing stock or an allocated share in it. The maximum term is 20 years. The amount depends on the solvency of the client and the cost real estate, but not more than 90%. You can calculate a loan for the purchase of Belarusbank housing using a calculator. 
If the applicant does not have sufficient income, then it is possible to pool all the funds received by the family and close relatives. When registering, you need to provide a basic package of documents and attach a contract of sale to it.
This offer is designed for participants in the building savings system, which consists of 2 stages. Initially, people save their own money by choosing a suitable Belarusbank program. 
The second stage involves receiving the missing amount from the bank on favorable terms. The advantages of this program include:
The amount can be up to 75% of the total value of real estate, the term is up to 20 years. The possibility of obtaining a loan appears immediately after the end of the program for the accumulation of funds.
When applying, you need to provide a basic package of documents and housing savings agreement data that allow you to determine the loan amount. In addition, it requires additional information, the set of which depends on the method of construction.
This program is identical to the previous one. But the purpose of obtaining funds is not construction, but the purchase of finished residential premises. The offer has the same benefits and conditions.
When applying, you must provide a basic package of documents and a contract of sale.
Overdraft is a type short term loan. Holder can get it debit card, which is used to calculate wages, allowances, scholarships and other payments established by law. 
The main goal is to receive the missing funds when making any payment. The client determines the amount himself. A suitable loan program is selected taking into account the current needs of the borrower.
Leasing services are available to individuals for the following purchases:
Lease payments are calculated using the leasing calculator. 
Payment of all loans can be carried out in various ways, choosing the most convenient. However, many users ask the question: “How to pay a Belarusbank loan through ERIP?”. To do this is extremely simple:
After that, it remains to enter the required data, complete the operation and take the check.
Have you already taken a loan from Belarusbank or are you just looking at this bank as a lender? You don’t know whether it is profitable to take loans from Belarusbank for consumer needs, credit calculator will calculate everything for you and answer basic questions.
In Belarusbank, each client can take a loan in Belarusian rubles. The amount that can be borrowed depends on the type of loan, term and availability of benefits.
You can borrow funds for consumer purposes: for recreation, for the improvement of the burial site, for education, buying a car, medical services, and so on. For real estate: for the construction of housing, for the purchase of housing, etc.
There is only one type of payment: annuity. It means that every month until the end credit term the borrower will make equal payments.
In order to borrow money from Belarusbank, you need to come to the nearest branch and write an application, as well as provide required package documents. Loans are issued only to Belarusian citizens with passports.
Consumer Loan Rates:
Belarusbank consumer loan loan calculator will help you choose the most favorable terms for your purposes.
Lending rates for real estate (mortgage):
Car loan rates:
Early repayment of the loan is possible without penalties. This is a great way to save money that would be paid in annual interest to the bank.
To pay off a debt ahead of schedule contact the nearest office of Belarusbank and write a corresponding application. The exact amount payable for repayment can be calculated on the calculator.
When money is needed urgently, but there is no time to collect a large number of documents, loans from Belarusbank for consumer needs will come to the rescue. In the article we will consider this type of lending in detail.
Consumer credit is a loan that individuals take from credit organizations to pay for expensive goods or services. Lending is carried out on the basis of the principles of payment, urgency and repayment. That is, the money that the bank issues must be returned within the prescribed time frame. In addition, you will have to pay for the use of the issued amount. Such payment is monthly interest paid on loans.
A distinctive feature of such a loan is the direction of its use. The borrower cannot use the money to make a profit in the future. With the help of a loan, you can pay for goods (cars, household appliances), services (training, holidays in a sanatorium or abroad). Consumer loans are:
In addition, loans can be secured (with collateral) and unsecured (without collateral).
You can take a loan from Belarusbank for consumer needs in the amount of no more than $15,000 (or equivalent). This amount will depend on the income level of the borrower.
It must be repaid within 5 years (if the amount is small, then the repayment period is shorter). Most short term repayment - 6 months. Interest rates on loans vary from 14%. In addition to the interest, you must pay a commission for the bank's service for processing and granting a loan. You can take money in cash and non-cash form. In the second case, the money goes to a credit card, which is issued at the bank in the name of the recipient.
An application for obtaining borrowed funds is considered by the bank from half an hour to 3 working days. The term will depend on the type and amount of the loan. Requirements for borrowers:
The basic package of documents - the minimum set that allows you to take an express loan, includes: a copy of an identity document and a questionnaire filled out by the borrower. But in order to arrange consumer credit in Belarusbank for a higher amount, it is necessary to collect additional documents: a copy of the labor and income statement.
Some types of loans require a guarantor. For larger amounts, a deposit may be required.
There are several ways to get a loan.
Thus, you can choose various options for obtaining a loan from Belarusbank. Choose the method that you think is best.
Loans for consumer needs of Belarusbank today are represented by a wide range of loan products, among which anyone can choose suitable option.
What loans does Belarusbank issue, what are the requirements, what documents need to be prepared and how the registration process takes place - in more detail below.
ASB Belarusbank in 2020 offers a fairly wide range of consumer loans on the quite acceptable conditions.
All consumer loans have a fundamental difference among themselves- this is the purpose of lending money, that is, if money is needed for education, then this is a loan for studying at Belarusbank, if for a wedding, then you can take a consumer loan or "Serious plans" and so on.
The bank's requirements for borrowers are minimal, which simplifies the process of obtaining a loan. With more detailed information for each type can be found on the official website of Belarusbank lending.
The loan is issued for consumer needs, also you can pay online for various services or goods. A feature of the consumer loan of Belarusbank is something that it can be issued without guarantors.
income statement not required in cases of receiving a pension / salary in Belarusbank and receiving the amount of funds, which is calculated on the basis of net income on average per month, no more than 20 bases. units.
The amount of the loan is affected by:
The conditions for the provision are as follows:
| Provision procedure | Collateral type | Period, months | The annual interest for use is floating and is calculated according to the formula NBRB refinancing rate (10% from 27.06.2018) + percentage points set by the bank |
|---|---|---|---|
| 1. Transfer to the account of 3 persons (individual entrepreneur, legal entity) 2. Using a credit card 3. Transfer to the current account in the bank, which is associated with a debit bank card | Any, but within legislative framework Belarus | 12 | 13 |
| 24 | 13.5 | ||
| 36 | 14 | ||
| 48 | 14.5 | ||
| 60 | 15.5 | ||
| forfeit | 12 | 14 | |
| 24 | 14.5 | ||
| To a credit card | Loan default insurance | 36 | 15 |
| 48 | 15.5 | ||
| 60 | 15.95 |
Loan for consumer needs "Successful renewal" up to 7 years is issued for refinancing:
Compliance with conditions is taken into account Terms of provision:
A loan for consumer needs "Checked by time" is designed for customers of the ASB of Belarusbank who have accounts based on salary project and who else no 57 years old upon receipt of paperwork. You can get a loan without guarantors with the possibility of cash withdrawal.
Content credit report Provided based on established criteria:
Get a loan for consumer needs through Internet banking maybe then when the client has registered, uses it and has a Belarusbank payment card.
Belarusbank offers two kinds consumer loans:
It should be noted that you can apply for a loan using Internet banking without certificates and guarantors.
Terms of the loan "Installments without overpayments":
Credit for consumer needs "Internet-Cashless" has similar conditions, but differs in percentage and method of provision:
Useful video:
A loan for the purchase of a car from Belarusbank is provided for the purchase of a new car from legal or individuals.
The loan is provided for 7 years at 14% during the first 180 days, from 181–15.5% (refinance rate of the National Bank of the Republic of Belarus + 5.5%).
The amount of borrowed funds depends on the client's ability to fulfill monetary obligations to the bank, based on the provided document with income display.
The collateral is the guarantee of natural persons. Borrowed funds are credited to the accounts of 3 persons i.e. sellers.
Belarus Bank offers loans for consumer needs, namely to pay for goods or services, on the basis of agreements with trade or service organizations (OTS) 4 types:
| Name | "Partner" | "Partner Optimal" | "Installment without overpayments" | Loan based on cooperation agreements with OTS |
|---|---|---|---|---|
| Terms | ||||
| Period, months | Based on an agreement with UTS | 12 | 2 to 36 | 18 |
| Interest rate on loans | Based on an agreement with UTS | 11 | 0.01 | 16 |
| Loan amount | Solvency is taken into account, but not more than the commodity price | The solvency is taken into account, not more than 2,500 rubles, if the loan is issued for the purchase from ATLANT CJSC | Not more than the price of the goods, but on the basis of ability to pay | No more than 200 bases. vel., but on the basis of solvency |
| How is it issued? | Transfer to OTS account | Transfer to the accounts of 3 persons based on the invoice | Transfer to OTS account | Transfer to the account of 3 persons |
| Security | forfeit | |||
The collateral is collateral, guarantors, etc.
A loan for consumer needs "Time to Live" of Belarusbank is issued to citizens of Belarus who are entitled to receive pension payments. The amount of borrowed funds depends on the creditworthiness of the client, but not more than 150 bases. units.
A loan is provided for pensioners using a bank credit card, the loan period is up to 3 years. The interest for use is 13.5% in 1 year, 14.5% in 2 and 3 years.
Pensioners who are related to the Velvet Club are provided soft loan for consumer needs, namely with a 1.5% discount on interest.
A loan can be secured by collateral, surety and other legal means.
To take out a loan for consumer needs must comply requirements of Belarusbank to borrowers:
To apply for a loan, you must visit banking institution or use the remote method - fill out an online application on the bank's website, through online banking, information kiosk or call hotline bank - 147.
Also on the website of Belarusbank, the location and telephone numbers for consultations of lending departments in Minsk are presented, but you can use the search branches and in such cities as Gomel, Vitebsk, Grodno, Brest, Mogilev, etc.
By phone you can consult and by choice the best option lending and find out the debt on loans already taken.
Required documents for submission to the bank:
Related video:
For the convenience of Belarusbank customers offers to use constructor of consumer loans.
You must fill in the following parameters:
After filling, the designer will select the most suitable options loans for consumer needs under the specified parameters.
To apply for a loan online, you need to use the website of Belarusbank. Thanks to this, the application can be submitted at any time, having only access to the Internet.
Online application can apply for these types, how:
After a loan has been selected in the appropriate field, you need to specify the method of receiving money, complete by clicking at the bottom of the page agree to the terms and "Continue" buttons
Next, you need to indicate income and expenses, choose whether income will be confirmed by documents or not. After pressing the "Calculate" button you can see the preliminary calculation, namely, how much the bank is ready to lend you and how much you need to pay on the loan per month.
Then required to fill out an application the borrower in the form of a questionnaire, indicating their personal data, address, phone numbers, passport details, etc.
When the application is sent, you need to wait for a call from the bank, to find out whether they will give you a loan or not. After one visit to the bank is enough to provide the relevant papers and complete the registration stage.
The loan calculator of Belarusbank allows you to calculate the maximum amount of borrowed funds and the required income for obtaining a loan based on the selected type of loan.
To calculate the maximum loan amount required to specify:
After that, the loan calculator will calculate the amount that needs to be repaid every month, namely the interest and the body of the loan.
Belarusbank - largest bank in the Republic of Belarus. The bank provides all types banking services(lending, deposits, settlement and cash services, leasing, factoring, exchange operations, collection, etc.).
Belarusbank devotes a huge amount of time to development retail business, analysis of demand, formation of competitive offers, introduction of new technologies, expansion of its branch network.
The bank placed special emphasis on lending to the population. Let's talk about consumer loans in more detail.
Belarusbank offers its customers various types of consumer lending. Here you can get both a targeted loan and a loan for any needs.
The bank often develops special consumer loans, for example, to collect a child for school, with reduced rates and the most transparent conditions. The credit institution does not forget about young families either.
For them, unique programs have also been developed with low rates in the first month of using borrowed funds. In general, each borrower will be able to get a loan with the most favorable conditions for himself.
Clients should also know that not only a citizen of the Republic of Belarus, but also citizens of other countries and even stateless persons permanently residing in the country and having documents for legal residence can apply for a consumer loan.
To apply for a loan, it is enough for a client to collect a small package of documents, consisting of a passport and income statement. The amount of the loan depends only on the solvency of the client.
Loans are issued on the security of property, deposit, surety or insurance. Interest rates depend on the chosen program, amount and period of crediting.
Loan processing takes place as soon as possible.
In Belarusbank, a consumer loan is issued as follows:
the client is invited to the office with documents that the bank studies and makes a final decision;
An application by a potential client can also be left remotely.
To do this, you must enter personal data, as well as indicate information on the requested loan.
If the bank makes a positive decision, the client needs to personally come to the office with the documents for further processing of the loan.
Belarusbank offers a variety of targeted and non-targeted consumer loans. The table contains all the offers of the bank with the main conditions.
All figures given are base. Interest rates, limit, period, are calculated for each borrower individually after providing all the requested documents.
| Credit | Purpose of lending | Bid | Amount, Belarusian rubles | Period |
| Happy update | Refinancing | from 24% | No more than the balance of the debt | Up to 5 years |
| Summer with Belarusbank | Any need | 12,22% | Within the client's ability to pay | Up to ½ year |
| Consumer credit | From 24% | Up to 8 000 | Up to 5 years | |
| Young family | 11,5, 23% | Up to 5 000 | Up to 2 years | |
| serious plans | 24% | Within solvency | Up to 3 years |
Many customers ask quite a natural question whether it is possible to get a consumer loan without a guarantee.
Belarusbank usually offers loan agreements secured by collateral, securities, cash (deposit) or guarantor.
If a potential borrower does not have the opportunity to provide such collateral, the bank offers to take out insurance (insurance of the risk of non-payment of the loan).
In this case, the client does not need to look for guarantors or transfer collateral to the bank.
In addition, the client will be able to do without providing a certificate of income if he receives wages through Belarusbank.
To apply for a loan, the borrower personally comes to the bank's office and provides the responsible officer in Belarusbank with:
The bank also asks for certificates of availability credit debt, consent to the processing of personal data and some other certificates, the validity of which does not exceed 15 days.
If a pledge (real estate, car) or a guarantee is required when applying for a loan, then, accordingly, the bank will request additional documentation.
Amounts on consumer loans in Belarusbank are determined individually for each borrower after they provide documentary evidence of their income.
The limit can be increased only if a surety or collateral is involved.
Interest rates on consumer loans in Belarusbank are determined after analyzing the client's income, solvency, etc.
The table shows the basic indicators in the context of each program:
The bank also offers other types of targeted consumer loans, for example, loans for the purchase of goods in stores with which the bank has entered into appropriate agreements or loans that help get the child ready for school (purchase clothes, stationery, etc.).
Not only citizens of the Republic of Belarus, but also stateless persons or Foreign citizens who permanently reside in the country and have a permanent legal source of income.
Mandatory requirements are: age and legal capacity.
If an individual who applies for a youth loan applies to the bank, then age limits are set for him. Youth loans are issued to persons under 31 years of age.
The loan period depends on the program chosen by the client. Seasonal loans, for example, Summer with Belarusbank, can be obtained for a period of up to six months, while other loans are provided for 1-5 years.
Any loan can be repaid ahead of schedule, fines and commissions for such operations are not charged.
The client can repay the debt to the bank in any way convenient for him.
Payments can be made through the bank's cash desk or remotely. You can also repay the loan through other banks or financial institutions.
However, it should be remembered that transferring funds through other organizations involves an additional commission.
Belarusbank is a fundamental bank in the Republic of Belarus. In this financial institution a huge number of individuals are served, most of which only speak positively about it.
For individuals, the bank offers many different products, including credit products, which have many positive aspects:
credit insurance at the request of the client (without insurance, a guarantor or collateral is required);
Do not look for negative aspects in credit programs from Belarusbank.
A financial institution always offers a variety of lending options, each borrower will be able to find a solution that is beneficial for himself.
