When deciding to take a loan, many borrowers first of all consider the proposals of Sberbank. This is natural: here favorable rates and convenient terms of service. In the article we will tell you what types of loans are available for individuals in Sberbank, what are their advantages and limitations.
Sberbank, like all commercial financial structures, interested in relationships with solvent customers. At the stage of accepting applications, the bank's specialists evaluate the borrower's rating, preventing the risks of defaults and delays.
So, who will approve an application for a loan at Sberbank?
The main requirements for borrowers are:
Here are the standard requirements of the bank, but the applications of borrowers are considered individually. Therefore, in each specific case of lending, there may be certain conditions regarding securing a loan, attracting co-borrowers or guarantors, providing additional information or guarantees.
The bank offers a line loan products meeting the different needs of customers. Here you can get a credit card, get a mortgage, take money on a consumer loan. Let us consider in more detail the types of loans for individuals in Sberbank, and the conditions in force in 2017.
The most popular type of lending among the population is. This term refers to non-targeted cash loans. Depending on the amount, term and other parameters, the bank issues money with or without collateral.
Here are the main conditions consumer loans Sberbank in 2017:
Mortgage loans are issued secured by real estate. Sberbank offers several mortgage options, both for the purchase and construction of housing. Consider what conditions apply in 2017:
When discussing the types of loans at Sberbank, one cannot get around the topic of refinancing. This tool should be used in a number of cases, for example, to reduce the monthly fee or the convenience of servicing several loans.
The bank offers refinancing of loans received from third-party banks: you can take up to 3 million rubles at 13.9% per annum, without collateral. Many borrowers will benefit by paying off more expensive loans and transferring their loan portfolio to one bank.
Mortgage loans can also be refinanced: in 2017, Sberbank offers such a service, issuing money for up to 30 years with a base rate of 10.9% per annum. This loan option is secured and requires insurance of the property.
Credit is financial instrument and must be used skillfully. Types of Sberbank loans satisfy any purpose and are available to borrowers with a stable credit rating. We recommend selecting loans, focusing on your goals, evaluating your financial situation in the future. After all, in addition to the benefits of shopping, you can get losses if you do not repay the loan on time.
It is unlikely that there will be at least one adult who has never visited the office of Sberbank. Indeed, in the list of its services you can find everything without exception. banking products. About current offers in the field of lending will tell this article.
Sberbank: consumer loans individuals
from 15 thousand rubles (regions) / 45 thousand rubles (Moscow) up to 1.5 million rubles. |
17.5 - 23.5 for clients with salary cards and pensioners-recipients of pensions in Sberbank 22.5 - 29.5 for other clients |
from 3 to 60 months | |
from 15 thousand rubles (regions) / 45 thousand rubles (Moscow) up to 3 million rubles. | 16.5 - 22.5 for clients with salary cards and pensioners receiving pensions at Sberbank 21.5 - 28.5 for other clients |
from 3 to 60 months | |
from 500 thousand rubles up to 10 million rubles | 15,5 - 16,25 | up to 20 years | |
from 15 thousand rubles (regions) / 45,000 rubles (Moscow) up to 500,000 rubles. (without guarantee) / 1 million rubles (with guarantee) | 19.5 without guarantee 18.5 with a guarantee |
from 3 to 60 months | |
from 15 thousand rubles up to 700 thousand rubles |
24,5 | from 3 to 60 months |
Sberbank: mortgage loans to individuals
Name of the lending program |
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from 300 thousand rubles up to 80% of the cost of real estate |
from 13 - under the action for Young families from 13.5 - with proof of income from 14 - without proof of income |
up to 30 years | from 20% (15% for promotions for young families) | |
|
from 300 thousand rubles up to 80% of the cost of real estate |
from 11.09 - according to the program with the state. support from 13.5 with proof of income from 14 without proof of income |
up to 30 years | from 20% |
from 300 thousand rubles up to 70% of property value |
from 14 | up to 30 years | from 30% | |
from 300 thousand rubles up to 70% of construction cost |
from 13.5 | up to 30 years | from 30% | |
up to 1.9 million rubles up to 80% of the property value |
12,5 | up to 15 years | - | |
up to 1.9 million rubles up to 80% of the property value |
12,5 | up to 15 years | - |
Sberbank loans to individuals holders of salary cards
For clients receiving wages on cards, Sberbank is ready to make the following concessions:
The same benefits can be used to apply for a loan at Sberbank by individuals pensioners.
Documents required for obtaining consumer credit
Loan to individuals leading household plots |
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Application-questionnaire of the borrower | + | + | + | + | + |
Borrower's passport |
+ | + | + | + | + |
Income verification | + | + | + | + | + |
Pledge documents | + | + | |||
Extract from the household book on the accounting of household plots | + |
Documents required for obtaining a mortgage loan
+ | + | + | |
+ | |||
+ | + | + | |
The problem of buying your own home is still quite acute. Therefore, obtaining a mortgage for individuals in 2017 will be the best solution for those who plan to purchase their own housing. Of course, the overpayment on the loan and mandatory contributions for several years, these are the moments that are not at all encouraging. However, for most families, this is the only way to make an invaluable contribution to the creation of their own and independent family hearth. So what will mortgage programs offer our compatriots in 2017? And will it be possible to count on state support?
The Ministry of Finance of the Russian Federation assumes that in 2017 the cost of mortgage programs will be even lower, even than in commercial ones. banking institutions. However, banks do not recommend jumping to conclusions because mortgage rates depend on many factors. In particular, it is necessary to note the size of the main rate of the Central Bank, the purchasing power of citizens, the level of profitability of borrowers, as well as market value real estate. That is why banks react rather skeptically to such a statement, guided by the fact that in 2017, most likely, rates will not be reduced.
In this case, the exception may be mortgage With state support. , and will also be able to get housing at a relatively affordable price if they become registered within the established time frame and provide documentation confirming their right to the benefit.
Favorable consumer credit in 2017 in short term will help you buy the necessary thing or equipment, go on a long-awaited vacation or make modern repairs in the apartment. Many borrowers are attracted by the lack of need to accumulate money over a long period of time. At the same time, some Russians are wary of applying to credit organizations because of the difficult financial situation in the country. For this reason, among the huge number of banking offers, it is recommended to choose the most profitable consumer loan from a reliable bank. This article will help you to understand in detail the methods of comparing loans, identify banks that guarantee honesty and reliability, and also study the conditions for granting a loan in some financial institutions.
Each financial institution sets its own conditions and requirements for borrowers when lending money. Before considering specific credit programs, it is recommended to determine those financial institutions, which can satisfy all the requirements of the borrower and guarantee honesty and decency in relation to customers.
You can choose a bank for registration in 2017 according to the ratings of influential and well-known publications, as well as customer reviews. According to the Central Bank of Russia, the most reliable banks in the country that have earned the trust of citizens in 2016 are:
In addition to the reliability of the bank, no less important for the client is the list of the main ones that differ in different financial institutions:
In the process of choosing a suitable credit institution, some additional factors are also taken into account:
Having identified a couple of the most attractive credit institutions, the client selects several of the most profitable consumer lending programs and applies to financial institutions:
Comparing the conditions for granting loans in different banks, it is possible to identify several of the most attractive programs and apply for their design, having previously calculated the loan amount, taking into account the interest rate and .
To determine the principal amounts on the loan that the borrower is obliged to repay, financial institutions offer to use loan calculator. This is a special online program designed to calculate the main parameters of a loan under specified conditions.
They are online on the websites of financial organizations with pre-set parameters set by the lender. The borrower can only choose the term and amount of the loan and click the "Calculate" button.
To obtain the best loan conditions, the borrower must meet the basic requirements of the bank. It is at the stage of filling out the application form that the client provides basic data, on the basis of which the bank decides to provide the maximum allowable amount at a certain percentage. The loyalty of the bank to the client is influenced by the following data:
It is the compliance with these conditions that will serve as a reason for the bank's confidence and obtaining a consumer loan in 2017 with the lowest interest rate and the maximum amount. The presence of collateral in the form of real estate collateral or guarantors can significantly increase the size of the loan.
The borrower has the opportunity to obtain a loan in several ways:
A credit card, like a consumer loan, has its advantages and disadvantages. To compare these two loan products, their main differences are considered:
It is impossible to say unequivocally which of the loan products is the best. It all depends on the needs of the client.
Data update - February 2016