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AT modern world among the possibilities to satisfy their needs as much as possible, one of the main ones was the possibility of providing a loan. In a shaky financial and economic system choose a reliable lender. In this vein, Sberbank can be called one of the most reliable. To provide a loan, the bank must be as confident as possible in the solvency of the client. To do this, the borrower must provide a package of necessary documents.
Now Sberbank provides all kinds of loans. To receive any of them, you need to collect certain documents. But from all the variety, there are four necessary documents that will be required to obtain any type of loan.
Undoubtedly, the first of them is the passport of a citizen Russian Federation. A prerequisite will be a mark of registration, in other words, registration. At the same time, temporary registration is allowed, only for this it will be necessary to provide a document that confirms registration at the place of stay. It can be obtained at the passport office by submitting an appropriate application.
In addition, you must provide an application form, the template of which can be downloaded from the Sberbank website. In the application form, you will need to provide personal data, passport data, contact information, information about education and marital status, as well as indicate all addresses. The questionnaire also contains information about the amount of income and place of work.
The next most important documents for a loan at Sberbank are documents confirming financial condition borrower. Standardly, this is a 2-NDFL certificate for the last 6 months of work. If the work experience is less than six months, then a certificate is provided for the actual number of months worked. In order not to miss any data that should be in the certificate, you can download an example of filling out such a certificate from the Sberbank website and come with it to the accounting department at the place of work. It must be remembered that the 2-NDFL certificate is valid for 30 calendar days.
If the borrower is a pensioner, then as a document confirming the financial condition, a certificate of the pension assigned or received in the last month is provided, which can be obtained at the branch pension fund Russian Federation or other government agency in charge of pension payments.
There are situations when the borrower, in addition to the main place of work, has Additional income. In this vein, documents are provided in accordance with the main place of work.
If the borrower has a bank salary card or a card to which a pension is transferred, then a document confirming the financial condition of the borrower may not be provided.
Another important document when obtaining a loan is a document confirming the employment of the borrower. It can be a copy of the work book, or a certified extract from it. If the absence of a book is allowed for the type of labor activity, then a certificate from the employer is provided, which indicates the position and length of service, or a copy of the contract.
These documents are essential for obtaining consumer credit without security. If you want to take a loan with a guarantee of an individual, then you will additionally need to provide the same basic package of documents for the guarantor.
When applying for a loan for real estate, whether it is an individual, a loan for suburban real estate, or the purchase of finished or under construction housing, in addition to the basic package of documents, you must provide documents for the property you want to purchase.
If you want to receive, you will additionally have to provide an application form of the pledgor legal entity, the template of which can also be found on the Sberbank website. It is also necessary to provide a certificate of ownership of the mortgagor's residential premises (original is required); the original contract of sale, donation, or other document that is the basis for the emergence of ownership of real estate; documents characterizing real estate.
The entire list of required documents can be found on the Sberbank website, or by contacting the bank in person.
When obtaining a mortgage with the help of maternity capital, in addition to the documents listed above, it is necessary to provide a state certificate for it and a certificate of the balance of capital funds, which can be obtained from the territorial body of the Pension Fund of the Russian Federation.
Military personnel are given the opportunity to military mortgage With reduced rates. In this case, you will additionally have to provide a certificate of the right of a participant in the savings and mortgage system for providing housing for military personnel.
To receive, Sberbank provides the opportunity not to confirm the income and employment of the borrower. In this case, in addition to the passport and application form, you must provide a second document confirming your identity. You can choose to provide driver's license, certificate of a serviceman, passport or insurance certificate. In this case, the borrower will have to pay an initial fee for a car.
Additionally, the borrower provides a contract of sale for the acquired vehicle, payment document for its payment, an insurance contract and a document that confirms the payment by the borrower of the down payment.
In addition to standard consumer and mortgage loans, Sberbank provides an opportunity to get a loan for education. It is provided to pay for tuition for both higher and secondary and primary education in all forms of education.
Documents for a loan at Sberbank for education, in addition to the basic package, include a training agreement concluded with an educational institution. You also need a copy of the license. educational institution. If the student is under 18 years old, then he can only become a co-borrower for this loan along with the main borrower.
Recently, the popularity of loans that are taken to repay loans from other banks has been growing. This type of loan is called a consumer loan for refinancing.
It should be noted that the documents included in the basic set of documents and confirming the financial condition of the borrower may not be provided if the amount of the requested loan is equal to the amount of debt on refinanced loans. In addition to the basic package, you must provide documents containing information about the refinanced loan. These include: a loan agreement with another bank, as well as the details of the previous lender (BIC, TIN, settlement and correspondent account numbers).
To obtain a credit or debit card from Sberbank, you must provide only the basic package of documents, or its abbreviated version, without a document confirming the financial condition. Only in this case it will be necessary to provide a second document confirming the identity of the borrower.
With development modern society and the economy, banks provide a wide range of favorable conditions for each segment of the population. Sberbank has the opportunity to get a credit or debit card that will satisfy the needs of any client.
When applying to a bank for a loan, you should not rush, because if you do not carefully collect the necessary documents, the time for issuing a loan can take a long time.
This article lists all Required documents for a loan from Sberbank. However, it is worth considering that over time, the requirements of the bank may change and the list of documents may either decrease or increase. Therefore, you need to contact the bank in advance for clarification of information.
You need a loan at Sberbank, you don’t know where to start - first find out what documents are needed for a loan at Sberbank for an individual. This knowledge will save you a lot of effort and time when evaluating your candidacy, and in the process of collecting documents for applying for a loan. It is worth mentioning in advance that if a guarantor participates in obtaining a loan on an equal basis with you, then most likely all his personal documents, the same as yours, will be required.
Most often, the general list of documents for obtaining a loan from Sberbank that must be submitted also includes documents that can prove to the bank the financial reliability of the client, or vice versa - to prove his unreliability.
Why this is done is probably so clear - if the applicant for a loan has insufficient income or no income at all, how will he repay the loan. Also, based on the amount of income, any bank calculates the maximum possible loan amount for a loan.
But if you bring some “notes” to the bank, in the form of documents for a consumer loan at Sberbank, where exorbitant amounts of income are written by hand, no one will believe you, and you will immediately be refused. Instead, you will need serious documents, with seals and signatures of third parties.
Knowing this, many borrowers who do not have official income forge such documents, but banks have learned to separate these “wheat from the chaff” as well.
It is also worth noting that Sberbank takes into account various types of a person's income when calculating the loan amount (not only the official salary).
What income does Sberbank take into account:
List of documents for a loan at Sberbank, proving the income of the borrower:
Most banks have a certain oddity - in addition to documents proving the financial condition of the borrower, you also need to provide documents on employment. Although, it would seem, why? If you have a proven income and it is sufficient to get a loan - take it and give it out, why do you need to know where I work, where I worked and how much I worked in my entire life.
An exhaustive list of documents required for obtaining a loan is not legally defined. Each bank (creditor) establishes its own list of such documents, which is determined by the internal documents of the bank. In addition, the bank may stipulate a certain period during which individual documents are valid for presentation.
When applying for a loan, special attention should be paid to the documents with which you can confirm your creditworthiness. The fact is that the bank, in order to reduce the risk that the loan will not be repaid on time, assesses the financial situation of a potential borrower. Based on this assessment, the bank makes a decision on granting or not granting a loan, its amount and other conditions. loan agreement(in particular about interest rate, loan term, collateral). If there are circumstances that clearly indicate that the amount provided to the borrower will not be returned on time, the bank has the right to refuse to provide the loan amount, stipulated by the agreement, in whole or in part (clause 1 of article 821 of the Civil Code of the Russian Federation).
In this material, we will consider the documents submitted by a potential borrower - an individual for obtaining a loan without collateral and guarantee.
The general list of borrower's documents for obtaining a loan
As a rule, banks on their official website, as well as in offices where the loan processing service is provided, post information on the terms for considering the borrower's application for a loan and making a decision on it, as well as a list of documents required for its consideration, including to assess the borrower's creditworthiness. In particular, this is the responsibility of the bank when providing a consumer loan (clause 3, part 4, article 5 of the Law of December 21, 2013 N 353-FZ).
Based on practice, the general list of documents submitted by an individual borrower for obtaining a loan usually includes the following documents:
1) an application-questionnaire for a loan in the form approved by the bank;
2) identity document of the borrower (passport);
3) documents confirming the financial position of the borrower;
4) documents confirming the employment of the borrower, in particular, a copy of the work book certified by the employer or an extract from it indicating the full company name of the employer.
The bank may also request SNILS and TIN of the borrower (clause 2.1 methodological recommendations, approved Bank of Russia 26.12.2016 N 48-MR).
To assess the creditworthiness of a particular borrower, the creditor bank has the right to request other documents from it, additional to those indicated by the bank as necessary for considering the borrower's application for a loan. For example, you may need marriage and birth certificates for children (question 3 of the Bank of Russia Information).
Note!
Consideration of an application for a loan and other documents of the borrower and assessment of its creditworthiness by the lender (bank) are free of charge ( Part 3 Art. 7 of Law N 353-FZ).
Documents confirming the financial position of the borrower
Documents confirming the financial position of the borrower traditionally include the following (clause 1.4.2 of the Appendix):
1) a certificate from the place of the main (additional) work on the income of the borrower for a certain period in the form 2-NDFL (usually for 6 months);
2) a certificate of the amount of the pension assigned for the last month (if the borrower is a pensioner);
3) a certificate of income under real estate lease (lease) agreements, confirmed by the data of forms 2-NDFL, 3-NDFL;
4) document on the received remuneration from the use intellectual property or under civil law contracts, confirmed by the data of forms 2-NDFL, 3-NDFL;
5) other documents confirming the income of the borrower (for example, an extract from an individual personal account with the Pension Fund).
Note. The Bank has the right to stipulate that persons hired to a new place of work during the period for which information on income is provided, submit certificates 2-personal income tax from previous and present jobs. Instead of the specified certificate, the bank may accept a certificate in the form established by itself, with similar information.
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What documents are needed today to obtain a loan from Sberbank: see complete list certificates to be submitted to the bank.
List of documents required by potential borrowers to obtain consumer loans in Sberbank, is different for each type of loan and varies depending on the category of client.
A pensioner who receives a pension on a Sberbank card or payroll clients needs fewer documents to obtain a loan. A list binding documents required to obtain a loan from Sberbank by an individual "from the street" will be much more. Documents on a special list will need to be collected by an individual entrepreneur or a person leading a private practice.
The list of documents for obtaining a loan from Sberbank will also change depending on the type of loan: consumer or mortgage, with or without guarantors, and also depending on the type of collateral: residential premises, land plot and etc.
See what documents are needed to obtain a consumer loan at Sberbank by individuals.
A loan without collateral and guarantors in Sberbank can now be obtained by individuals from 18 to 70 years old. To consider a loan application, you need to collect the following package of documents:
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If you receive a salary or pension on a Sberbank card, then bring only your passport.
When applying for a loan at Sberbank Online, no documents are needed - just fill out an electronic form!
A secured loan from Sberbank today can be obtained by individuals from 18 to 20 or from 60 to 80 years old. To consider a loan application, you must collect the following package of mandatory documents:
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If your passport does not have a permanent, but a temporary “registration”, then you will additionally have to provide a document confirming registration at the place of stay.
A loan secured by real estate in Sberbank can be obtained by individuals from 21 to 75 years old. To consider a loan application, you must provide the following documents:
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After approval of the loan application (within 90 calendar days from the date of the decision by Sberbank to issue a loan), it is necessary to submit documents on the collateral provided.
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A document that is the basis for the emergence of the pledgor's ownership of the premises;
Premises appraisal report;
Extract from the United state register real estate (EGRN);
Notarized consent of the spouse (s) to transfer the premises as a pledge;
A notarized statement of the pledgor that at the time of acquiring the right of ownership he was not married (or a statement of the pledgor about this drawn up in the presence of an employee of Sberbank);
Permission of guardianship and guardianship authorities in accordance with the requirements of the current legislation;
Marriage contract;
A certificate from the housing maintenance authority on the absence of registered tenants in the premises or an extract from the house book containing information on the presence / absence of registered tenants;
Documents for the land plot on which the premises are located.
Some documents from this list may not be required in your particular case, so you need to check with Sberbank employees for details.
✓ Documents confirming financial condition borrower to obtain a loan from Sberbank may be:
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Certificate from the main place of work for the last 6 months in the form 2-NDFL or a certificate modeled on a state institution, if certificates 2-NDFL are not issued;
Income statement in the form of Sberbank;
Certificate of the amount of the pension from a branch of the Pension Fund of the Russian Federation or another state body that pays the pension;
Tax return for the last tax period;
The contract of hiring or renting premises, concluded for a period until the end of which there are at least 12 months left + a copy tax return on income tax individuals(Form 3-NDFL) with the original mark tax authority about acceptance.
