The table shows the main conditions * for the institution's loan products:
| Bid, % |
Sum, min. – max. |
Term, years |
|
| car loan "New car" | 40 | 5 thousand – 60 thousand USD** | 5 |
| Car loan "Just car" | 38 | 5 thousand – 10 thousand EUR** | 1 / 2 / 3 / 4 |
| For purchase / constructionreal estate | 40 | 3.7 thousand – 108 thousand EUR** | 5 / 10 / 15 |
| Cash loan | 39 | 500 – 7 thousand EUR** | 1 / 2 / 3 / 4 |
| Cashlesscredit for purchases: | |||
| Just shopping | 38 | 500 – 10 thousand EUR** | 1 / 2 / 3 / 4 |
| Best Buys | 1.5 - 32 million BYR | 6 / 12 / 24 / 48 months | |
| 39 / 40 / 42 | 300 – 25 thousand EUR** | 1 / 2 | |
For payroll clients, more loyal interest rates are provided for some products. For example, lending housing programs this category of customers is carried out under 38%.
The Bank issues real estate loans in the following main areas:
General are the standard terms of provision, namely:
Issuance of loans for housing construction is carried out by the lender under two main programs:
Consumers can purchase ready-made housing under the following loans:
To apply for a housing loan, along with the application form, you must provide the lender with:
To apply for a consumer loan in an institution is available to persons:
Minimum level monthly income the applicant must be at least 2.5 million BYR, and for the product "Best Buys" - from 2 million BYR.
Issuance of consumer loans is carried out without collateral or surety. The terms of the loan provide for automatic insurance of the loan when it is issued.
The calculator will allow the consumer to independently carry out a preliminary calculation for a specific product. To make calculations, the user must:
1. Select the desired type of loan.
2. Mark options:
3. Specify information about current obligations and enter the requested amount or average monthly income, depending on the selected mode.
As a result, the program will issue a calculation indicating:
Priorbank offers consumers the following ways to apply for loan products:
The loan agreement for the product "Best Buys" is executed directly at the point of purchase of the product/service.
The lender has provided for a potential borrower the possibility of submitting an application form through its website. Making an application in this way is possible only for credit products: cash loan, "Just a car" and "Just shopping".
The application process is reduced to the phased filling of its forms with data on:
Maxim Demchenko
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Priorbank offers loans that are focused on consumer needs various categories of clients. The editors of the site "Bankonomics" will help you navigate in all the diversity credit programs the largest private bank in the Republic of Belarus.
The bank offers its customers the following loan programs:
The annual interest rate may change depending on the change in the refinancing rate National Bank The Republic of Belarus.
According to the Priorbank loan program, all types of loans have the following general conditions:
Priorbank makes it easier for holders salary cards issuance of loans. When signing a contract, they are not required to provide a certificate of income.
In case of refusal to apply for insurance, the Bank increases interest on loans by 3.5 percentage points, up to 19%.
Priorbank borrowers must meet certain requirements:
Not only an employed client, but also a student or a pensioner can take a loan from Priorbank. The main thing is that the borrower has a steady income and his age is within the established limits.
To apply for a loan, the borrower needs to collect a package of documents. The larger it is, the more likely the loan is approved.
To apply for a loan, the borrower must provide the following documents:
Borrowers who receive a salary on a Priorbank card can apply for a loan by providing only an identity document.
Employees credit department have the right to request additional documents if they see it as necessary:
To clarify the full list of documents, you should contact the contact center or any branch of the bank.
Priorbank offers its customers several ways to apply for a loan.
To do this, you need to visit the nearest service center with the package required documents. You can find out the decision and sign the contract in the same department.
During a telephone conversation, a bank employee will fill out an application and enter passport data dictated by the borrower, as well as information on income. The decision to grant a loan can be obtained by calling the Contact Center.
All calls to the Bank's Contact Center are recorded to ensure the quality of service.
You need to go to Personal Area” and in the menu on the left click on the option “Applications and visits”. In the menu that opens, find the section "Loans and credit cards", clicking on it, a list of credit products will open. All you have to do is choose the option you want and apply online.
You can find out about the decision of the credit commission at the branch of the bank, which will be indicated in the application.
It is impossible to apply for a loan through the official website of Priorbank. This service is only available for credit cards.
Borrowers whose applications received a positive response must visit a bank branch to receive loan funds. Priorbank issues funds to its clients:
For borrowers who prefer non-cash funds, a money-back function is provided, which returns part of the funds spent on the purchase. The refund amount is 0.7-1.3% of the purchase price and is credited to the account. Refunds are not limited by the amount of the purchase.
For borrowers, the bank has provided the following methods of payment for borrowed funds:
When choosing one or another method of repayment, you should remember that it is better to pay in advance, at least 2 working days in advance, in order to avoid delays in payments.
Priorbank offers customers four credit product, among which you can choose best option. For the convenience of borrowers, the Bank has provided both online and offline methods for processing and repaying loans.
The Priorbank financial institution, which is part of the Raiffeisen international group, provides services to both legal entities and individuals. The latter can issue a targeted or non-targeted loan, deposit, credit card. It is necessary to figure out which Priorbank loans for consumer needs are available to the population, what are their main parameters and methods of registration.
The bank was founded in 1989, although it began to cooperate with clients only in 1990. Until 2003, the financial institution remained independent until it became part of the international group Raiffeisen Bank International. Thanks to this, Priorbank is today the only banking organization with Western European capital, operating on the territory of the Republic of Belarus.
As of today, Priorbank occupies a leading position in the banking sector of Belarus. The financial institution leads in such parameters as: issuing credit cards, attracting foreign investment, lending to the population. The Bank successfully cooperates with global financial institutions, including the European Bank for Reconstruction and Development.
For several years, reputable international publications have called Priorbank the best financial institution in Belarus. Many agencies specializing in the analysis of the financial market pay attention to the reliability of the bank in the field of long-term cooperation.
One of the areas of activity financial institution- consumer lending to the population. Today, the bank provides different products that differ from each other both in maximum amounts and in the method of issuance. Some loans can be used at your own discretion, while others are issued for a specific purpose. The following loan programs of the bank can be distinguished:
There are several types of credit cards from Priorbank, differing in minimum and maximum credit limit. Some loans can be issued to them. It is necessary to consider in more detail the credit programs operating in this banking organization.
The loan "Prosche.NET" can be transferred to the "Boomerang" card or other debit plastic. In the first case, the cardholder will be able to use the money-back option and return part of the funds spent on the purchase. To apply for a loan, a bank client must be between the ages of 22 and 58 years. You can use the funds at your own discretion. The financial institution does not require any collateral or guarantors from the client.
You can borrow funds for a period of one to 5 years. There are limits on the loan amount. It cannot exceed 5 thousand euros or be less than 500 euros. At the same time, for citizens who receive wages on the plastic "Priorbank", act special conditions. Such citizens can receive up to 7,000 euros.
The interest rate directly depends on how much money the borrower borrows and whether he insures his life. So:
Repayment is made by making annuity payments. That is, a citizen every month must contribute the same amount of money. Only those citizens who have a monthly income above 265 rubles (work experience at the last workplace is at least 6 months) can receive a loan. If the borrower does not have plastic, it will be issued free of charge. Early repayment is allowed without penalty.
Two more loans from Priorbank can be allocated to individuals, the funds for which can be spent at the personal discretion of the borrower. It:
Both loans are issued only to those persons who are at least 22 years old, but are not over the age of 58 years. As in the previous case, it is important to have a job (over the past 6 years). There is a possibility early repayment without fines and commissions. Collateral and guarantors are not required. Despite these similar features, the above loan programs have significant differences, so it is worth considering them separately.
First of all, it is necessary to point out that this species A loan can only be issued at a branch of a financial institution, which distinguishes it from a Best Buy loan. There are differences in the main parameters of both loans. In the case of the Just Shopping product, the following conditions apply:
To get a loan, you must have a monthly salary above 265 Belarusian rubles per month. A prerequisite is the presence of a permanent workplace ( seniority on it - at least 6 months), so the client will need a certificate to obtain a loan from Priorbank.
Unlike the previous bank loan, you can apply for this loan only directly in point of sale at the time of making the purchase. This introduces certain changes to the basic parameters of the loan. So:
There are less stringent requirements for persons wishing to apply for this loan. Firstly, the minimum monthly income may be lower than in the previous case - from 240 Belarusian rubles. Secondly, the work experience at the last workplace must be at least 4 months, not 6. The disadvantage of the "Best Buys" product is the need to make an advance payment (10% of the purchase price). However, you can get a loan in just an hour, which is faster than in other cases.
Comparison of credits for the purchase of goods
Among the consumer loans provided by Priorbank, there are also loans intended for refinancing other debt obligations. This allows the bank's customers to repay outstanding debts on other, easier terms with a lower financial burden. Priorbank is given the opportunity to take a loan for refinancing:
As in the previous case, these loans differ from each other in some respects. Therefore, it is worth considering them separately.
You can take a new loan to pay off the old one for a period of one to 5 years. The maximum loan amount is no more than 5 thousand euros. At the same time, as in other credit programs, special conditions apply for citizens who receive wages on a bank card. Such clients can count on 7,000 euros. In addition, they are provided with a reduced interest rate - only 12 percent per annum.
For other persons, standard interest rates apply (between 14 and 17 percent, depending on specific circumstances). The decision on the borrower's application is made within 1-2 days. In addition to funds for refinancing, the client can also receive from 500 Belarusian rubles as a consumer loan for other needs. The requirements regarding employment, collateral and guarantors are the same as in other cases.
The main terms of the loan to pay off debts to another bank are the same as in the previous case. This fully applies to the term, the minimum and maximum interest rates, the age of the client, as well as early repayment without applying any commissions. The difference lies in:
As in all previous cases, the client is not required to pledge and guarantee. To receive funds, you must apply for a loan from Priorbank.
To apply for a loan at Priorbank, you must provide a minimum package of documents. As mentioned above, borrowers are not required to provide collateral or guarantors for obtaining a consumer loan. To apply, you must have:
Bank employees reserve the right to request additional documentation from the borrower. The latter must have the citizenship of the country or have a residence permit, be employed (at least 6, and in some cases - 4 months) and stay between the ages of 22 and 58 years.
You can take a loan from Priorbank for consumer needs in one of two ways: personally visit the branch or make an application online. The second method is more convenient, but it can only be used for refinancing and a car loan (“ProstoAuto”). To apply, you must have a device with Internet access and prepare a personal passport (data from it will be used when filling out the form).
The next steps look like this:
If the decision is positive, the client will have to personally visit the bank branch to sign loan agreement. In the case of all other loan programs, a loan is issued only at the branches of a financial institution (the exception is the “Best Buys” loan, which can be issued at a point of sale).
To apply for the necessary loan in person, you need to visit the branch of the institution, having previously selected a loan program, and contact one of the bank employees with a request to apply for a loan. Once completed, it will be submitted for review. The result of the application will be known in a few days.
Thus, the financial institution "Priorbank" provides citizens of the Republic of Belarus with credit cards, consumer loans and targeted loans for the purchase of a car, real estate. You can get acquainted with specific offers on the bank's website. It is also possible to submit an online application if you need to apply for refinancing or a car loan. In other cases, you should contact one of the branches of the financial institution. Borrowers will need a minimum package of documents, as well as citizenship of the Republic of Belarus and official employment.
Reading 6 min. Views 55 Published on 05.11.2018
For Russians, the most famous and popular bank is Sberbank. In Belarus, its place rightfully belongs to Priorbank. This is the host financial and credit organization Republic, providing services to both legal entities and individuals. Let's consider what Priorbank loans for consumer needs are available today to private clients.
Priorbank was founded in 1989. Naturally, then this financial organization had a different name, but the composition of its leaders was formed precisely at that moment. Less than 10 years later, bank branches appeared not only within the republic, but also in the Russian Federation, Poland and Germany. The logical outcome of this expansion was the signing of a cooperation agreement with the EBRD. This allowed Priorbank to realize quite a lot financial projects in the fields of construction and information technology.
In 2003, Priorbank became part of the European banking group Raiffeisen International. This finally strengthened his position in financial market countries. Today, Priorabank is a leader in providing financial services. And one of its most popular products is consumer lending.
A citizen of Belarus can take a loan from Priorbank for consumer needs both in cash and in non-cash form. The bank has three lending programs, two of which are targeted:
In addition to the above, Priorbank has housing and car lending programs. When they are issued, it is obligatory to transfer the acquired real estate or transport as a pledge to the creditor. For a consumer loan, no collateral, no surety, or other security is required.
As is clear from the product descriptions above, an application for a Priorbank loan can be submitted, depending on the chosen loan program, through its branch or through a representative at a point of sale. In addition, for loans "Consumer" and "Just purchases" you can send a questionnaire via the Internet using the form on the bank's website.
To compare Priorbank's loan programs, we have compiled a small table with the main lending conditions. Check it out:
Important! The bank determines interest rates depending on the refinancing rate of the Central Bank of the Republic. When it is changed, accordingly, the conditions of the programs can be changed.
Citizens of the Republic of Belarus or persons who have a residence permit in the territory of the Republic can use Priorbank's credit programs. The minimum age limit for lending is 22 years. The bank has set the following restrictions on the maximum age of the client:
The work experience of a potential borrower with the current employer must be at least six months. However, for the "Best Buys" program, this figure is officially reduced to 4 months. But the longer a citizen works in one organization, the higher his chances of getting his application approved.
Important! The bank does not impose requirements for the general experience. But it publishes in the public domain data on the minimum monthly income that a borrower must have. For lending at a point of sale, it is enough to receive a salary of 240 BYN. If the loan is issued through a bank, the salary threshold rises to 260 bel. rub.
Depending on the chosen loan program, an application for receiving money can be submitted different ways. If we are talking about "Easy shopping", the client can only submit documents to a representative at the point of sale where the goods will be purchased. He will need a Belarusian passport or residence permit and a certificate of income for the previous 3 months (if the loan amount exceeds 3,000 Belarusian rubles). The decision on the questionnaire will be made within an hour.
With the "Just Purchase" loan, everything is somewhat more complicated. To apply for it, you must contact the bank branch, providing the following papers:
Important! If the loan amount is more than 5,000 euros, the borrower's additional payment for its acquisition must be at least 20% of the cost.
Here the application will be considered 1-2 days. The bank will notify the borrower of the decision by phone. The call will also set up an appointment to finalize the product and receive the money for the customer.
An ordinary consumer loan at Priorbank can be issued through the client's web account, through the form on the website in the description of the loan program, or by calling the customer service (an application for a call from a specialist is also made through the bank's website). The questionnaire, as in the previous case, is considered for 1-2 days. And the whole further procedure is no different from the "Just Buy" program.
Applying for a loan through the Priorbank Internet Bank Priorbank loans individuals calculated according to the annuity scheme. The payment amount will be the same every month. However, if desired, the borrower can make larger amounts as part of early repayment. The bank does not set any penalties for this. Priorbank customers can make monthly payments:
As you can see, the bank has a lot of tools for making payments. Most of them are designed for cashless transactions, which is especially convenient in modern world.
In addition to the consumer lending programs listed above, Priorbank provides services for refinancing previously taken loans. Moreover, it is possible to refinance both loans issued by third-party financial organizations and loans issued by Priorbank itself. Moreover, in the first case, the lender provides much more opportunities to send an application and establishes softer loan conditions.
The application is considered within 1-2 days. The requirements for the borrower remain the same as in consumer lending. We recommend that you clarify the requirements for reissued loans directly with bank employees.
Important! When reissuing loans taken from Priorbank, the client can receive an additional at least 500 Belarusian rubles. rub. for personal needs.
Belarusian financial organization Over the years, Priorbank has developed a reputation as a solid financial partner, able to find optimal and profitable solutions. One example of this reputation is the bank's portfolio of loan programs for individuals. Citizens of the republic, depending on the situation, can quickly receive the necessary amount for making purchases, issue targeted loan for the necessary purchase or to receive the amount in cash for non-targeted expenses. In the future, any of these loans can be refinanced by the client or combined with other loans.
