Belarusbank loans per year. Belarusbank loan calculator. Pros and cons

JSC "ASB Belarusbank" is the largest in the territory of the Republic of Belarus. The bank sells more than 100 types financial services including consumer lending. Belarusbank's clients are about 70% of all borrowers in the country, which is more than 800 thousand citizens.

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Lending terms

Belarusbank has several types of consumer credit products. There are options for the target direction, with provision, social orientation. At the same time, lending conditions for all loan products are similar to each other.

Filing an application

In order to obtain a consumer loan, the Applicant has the opportunity to apply:

• in any of the branches of JSC "JSSB Belarusbank", which provides banking services;
• fill out an online application on the corporate website of Belarusbank;
• call the contact center at a special short number 147.

Applying for a trade credit is made directly to trade organizations that cooperate with the Bank.

Documents required by the Bank

To approve a loan application and grant a loan, the Bank requires the following documents:

1. Passports, as well as their copies of the borrower and guarantors for the loan (in the case of choosing a loan with collateral - the guarantee of individuals).
2. Loan application form.
3. Certificates confirming the availability of income from the borrower, as well as from the guarantor (if involved). Or an account statement for the last quarter, provided that the borrower receives a pension or salary through Belarusbank. Certificates are valid for 30 days.
4. Borrower's consent issued in the National Bank of the Republic of Belarus to provide information about him, namely credit report from the Credit Register.
5. Consent of the client to receive and verify by the Creditor Bank personal data about him.

Additionally, depending on the purpose of the loan, the Bank requires:

1. As part of the provision of trade credit:

• invoice.

2. When applying for a burial loan:

• death certificate;
• invoice.

3. The need for a loan for medical services, the borrower must confirm:

• a certificate from a medical institution stating that the applicant himself or his relative is registered with the dispensary;
• an agreement and (or) an invoice for the provision of medical services indicating the cost of medicines and services provided.

4. For an education loan:

• a copy and original of the agreement on training a specialist in a higher or secondary specialized educational institution on a paid basis;
• certificate from educational institution, indicating the presence of the first higher or secondary specialized education.
  

  The document must contain information about the form and timing of graduation.

Before applying for a loan, it is worth considering -. Detailed information about this type of lending, you will find on our website.

Do you want to take out a mortgage but don't have the funds for a down payment? We will tell you.

Interest rates

The peculiarity of the current interest rates on consumer loans in Belarusbank is its linkage to the refinancing rate National Bank The Republic of Belarus.

Thus, the Bank sets the cost of a particular loan as a multiple of the amount credit rate refinancing of the National Bank of the Republic of Belarus plus (or minus) a certain number of credit points.

The size of the interest rate under the concluded loan agreement remains unchanged throughout its validity, unless otherwise provided by the agreement itself.

The refinancing rate of the National Bank of the Republic of Belarus last changed downwards in August 2020. As of November 2020, its value corresponds to 20% per annum.

Video: How to get a loan?

Types of consumer loans from Belarusbank

Consumer lending in Belarusbank is limited to 9 offers.

Requiring security in the form of a guarantee, non-return insurance, collateral:

• « consumer credit» for any need. Provided by non-cash transfer or to a payment card;
• "For the purchase of a car", in fact, targeted car loans;
• "For training", provided for the purpose of obtaining higher and secondary specialized education. Money is transferred to the account educational institution;
• "", as well as the installation of monuments and fences;
• "For medical services" for citizens who are registered with the dispensary, in order to pay for medical care, purchase medicines and equipment.
• With provision only in the form of a penalty:
• “Tested by time” is a non-targeted loan designed for payroll clients under the age of 57 years. Money is transferred to an international credit card;
• “For the purchase of goods”, as the name suggests, a targeted consumer loan for the purchase of goods in trade organizations with which the Bank has agreements;
• "Application to Santa Claus", special offer for the New Year holiday, valid from November 24, 2020 to January 15, 2020. The loan is provided on a bank card.

Without collateral:

• "Installment without overpayments" is a loan intended for the purchase of goods in certain trade organizations. The loan is transferred to the settlement account of the trading organization.

Requirements for the borrower

The Bank's requirements for an applicant for a loan are the same for almost all loan products:

• citizen of the Republic of Belarus;
• foreign citizen;
• a stateless person;
• compulsory residence in the country;
• having a permanent source of income in Belarus;
• employee of a branch and representative office of a legal entity located abroad.

Loan processing

Regardless of the method of applying for a loan, in order to draw up a loan agreement, the borrower must come to the Bank's branch. Moreover, this makes it possible to count on the maximum loan amount.

Features of applying online

For borrowers who apply for in electronic format a loan of no more than 200 base units is available.

As of November 2020, this is within 30 million bel. rub. The process of filling out and submitting an online application is as clear and simple as possible. All you have to do is fill out the form provided on the website.

The decision of the Bank is communicated to the applicant in the manner indicated in the application. Refusal is possible in a situation where loan payments are more than 50% higher than the net income of the borrower. In case of a positive decision, the client must personally come to the bank with a package of necessary documents.

Interest rate

The interest rate is set by the Board of the Bank in accordance with the type of loan, the terms of its provision and the period of use.

In most cases, for its calculation, the refinancing rate of the National Bank of the Republic of Belarus (hereinafter referred to as the rate of the National Bank of the Republic of Belarus), which is equal to 20% per annum as of November 2020, is taken as the basis.

In accordance with the terms of loan agreements, the interest rate does not always remain unchanged throughout the entire period of the agreement.

A change in the cost of a loan may be caused by a change in the refinancing rate of the Central Bank of the Republic of Belarus. Or by decision of the Board of the Bank.

The borrower is informed about the new terms of the loan through newspapers, websites and branches of the Bank.

Maximum and minimum loan amount

Before concluding a loan agreement, the Bank assesses the client's creditworthiness.

During the assessment, loan debts, guarantee agreements, credit history, factors that can affect the solvency of the borrower (marital status, expenses) are analyzed.

The result of this analysis is the definition maximum size credit, that is, the limit of the borrower's solvency. It cannot exceed the borrower's net income ratio set by the Bank.

Minimum size for consumer loans Belarusbank is not installed.
The available size of the marginal loan for the borrower necessarily satisfies the above criterion. Individual loans have additional conditions:

Loan disbursement terms

Credit terms in Belarusbank generally range from one to seven years.

State regulation of the interest rate level allows controlling the lending system in the Republic as a whole and in Belarusbank in particular.

All loan products are available, inexpensive and easy to obtain. With the help of credit funds, you can become parents, decide current issues and perpetuate the memory of loved ones.

This allows us to say that Belarusbank is ready to help its customers throughout their lives.

Debt repayment

Payment on debt to Belarusbank is made monthly for the actual time of using the loan in accordance with the schedule.

There are several ways to repay:

• at the cash desks of the bank;
• at information kiosks, using cards issued by Belarusbank and other resident banks. In the latter case, the commission is 1% of the amount;
• through M-banking;
• using the Internet banking service.

Have you reached retirement age and now want to take out a loan? We will tell you.

Pros and cons of a bank

“Belarusbank – Striving for growth. Yesterday. Today. Tomorrow” is the motto of the largest state-owned bank in Belarus. It is better for the bank to leave its minuses in yesterday's memories.

According to customer reviews, the main problems of the bank are:

• commissions, as the bank calls them "the amount of remuneration" charged for certain services. If speak about consumer lending, then such a fee costs the client 3.5% of the amount of cash withdrawal, but not less than 10 thousand Belarusian rubles. rub.;
• problems in the work of Internet banking. Unfortunately, the service is not always available to customers "due to technical reasons", which naturally causes inconvenience and dissatisfaction;
• insufficient number of ATMs and branches.

But these minor shortcomings are more than covered by today's pluses:

• affordable loan rates;
• two low-interest offers on social targeted loans for medical services and improvement of burial sites;
• a convenient website of the Bank, which allows the client to independently understand the conditions of lending, get answers to questions of interest through an online consultation, calculate loan conditions using a calculator;
• holding holiday promotions on credit offers;
• credit offer "Installment without overpayments", which allows you to purchase on the terms of an almost interest-free loan.

But even tomorrow the Bank has room to grow. In the future, it would be nice:

• increase the number of branches;
• expand the list of partner outlets;
• eliminate shortcomings in the operation of Internet services;
• expand the range of unsecured consumer loans.

JSC "ASB Belarusbank" - largest bank Belarus, offering today a whole range of financial services for individuals and legal entities. With it, you can. Taking a loan in Russia is as easy as taking a loan for consumer needs in Belarusbank. But first you need to decide for what purpose you need a loan.

Advice: some microfinance organizations, such as, give loans even with poor credit history. Belarusbank issues loans to borrowers with any reputation. There are differences only in the definition of the interest rate.

Credit programs from Belarusbank

As soon as you open the website of Belarusbank, you can stumble upon an offer for loans for any consumer needs. Loans are offered from minimum requirements and packages of documents, on very favorable terms.

Loan "Tested by time"

It is issued to persons with both a positive credit history and those with not the best. The difference is only in interest rates, which are set individually. Monthly payment on the principal debt is 5% of the balance of the debt. The loan amount is also set individually, based on the solvency of the potential borrower. The loan is accompanied by an international credit card.

The requirements for borrowers are quite simple: a loan is issued to holders salary cards bank, under the age of 57 and having a work experience of at least 3 months.

The documents:

• Passport and a copy of the passport;
• income statement;

An application can be submitted directly at a bank branch, information kiosk, on the website of Belarusbank, as well as by calling the contact center number.

consumer credit

A consumer loan from Belarusbank can be issued independently directly on the website, as well as at a branch, information kiosk or by calling the contact center number.

The maximum loan amount is 8 thousand Belarusian rubles, and the actual amount depends on the client's solvency. A loan for up to 1 year is issued at 24%, and for up to 5 years - at 26-27% per annum.

Requirements for borrowers: permanent registration and permanent income on the territory of the Republic of Belarus.

Documentation:

• Passport and a copy of the passport;
• income statement;
• Consent to submit a credit report;
• Consent to the use of personal data from the register of the National Bank of Belarus.

car loan

A car loan is provided by Belarusbank for the purchase of a GEELY brand car from an official dealer of JSC Avtotorgservis.

Interest rates:

• For up to 7 years - 27%;
• Up to 5 years - 25%.

The requirements for the borrower are the same as in the previous versions, but in addition to the package of documents, a contract for the sale of a car is attached.

Credit for the purchase of goods from retail chains

It is provided for up to 18 months at an interest rate of 24% per annum. With it, you can pay for goods and services on the Internet. Requirements for the borrower and a package of documents (plus an invoice) are standard.

Loan "Serious plans"

It is provided within 200 basic units, taking into account the income of the borrower. Application can be made online. Term - up to 3 years on the security of property or with guarantors. The interest rate is 24% per annum.

The package of documents is standard (as for a consumer loan). Requirements are also standard.

Loan "Time to live"

Provided individuals receiving a pension of no more than 150 basic units, and is assigned individually, based on the client's solvency. The loan is backed by a guarantee and a pledge of movable and real estate. The interest rate is set individually.

The requirements for the borrower are standard, while the guarantors can be both persons with Belarusian citizenship and Foreign citizens living in the territory of the Republic of Belarus and receiving a regular income.

A copy of the pension certificate, a certificate of the amount of pension received for the last three months and a certificate for issuing a guarantee are attached to the standard package of documents.

Loan "Optimal Partner"

Issued without guarantors and certificates under standard requirements. The interest rate, as well as the amount of the loan (no more than 200 basic units), is set depending on the income of the borrower.

Required documents:

• Original and copy of the passport;
• income statement;
• Invoice indicating the manufacturer.

Loan "Strong start"

"Confident Start" can answer the question "" and is issued for up to 2 years at an interest rate of 18% to 20% per annum, depending on the solvency of the borrower. Amount - no more than 50 basic units under the guarantee of a close relative.

Such a loan can be obtained by capable persons under the age of 31 at the time of loan processing, permanent registration and permanent income on the territory of the Republic of Belarus are required.

The documents:

• Passport and its copy;
• Income statement for the last 6 months (including scholarships);
• Record book and its copy.

Student loan

A loan for education in Belarusbank is issued taking into account the annual cost of education and the client's solvency. A similar one can be obtained on less loyal terms. Here interest rate is set within 22-24% annual term ohm from 1 to 5 years. A pledge of property and a surety is required.

Requirements for the borrower: the borrower must be a capable citizen of Belarus with permanent registration and a steady income.

The documents:

• Passport and its copy;
• income statement;
• A copy of the contract for training;
• Education document (certificate or diploma);
• Making surety.

Advice:? Perhaps you should choose a loan for a specific purpose. Belarusbank offers a whole range of special lending programs for any consumer purposes. Therefore, before applying, you should think about the compliance of your goal with the loan program and choose the option that suits you the most.

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Belarusbank - Belarusian bank, which provides loans with any credit history for any amount and consumer purposes. The bank has the most loyal requirements, low interest rates and the ability to choose options with a guarantee, collateral or without them. In addition, the bank provides loans to various categories of citizens, including pensioners and youth, and also supports partnership programs allowing you to receive discounts and bonuses.

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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.

What is a consumer loan, its types

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:

• targeted (have a specific purpose of obtaining - recreation, training, buying a car, etc.);
• non-targeted (express loans, overdraft, credit line).

In addition, loans can be secured (with collateral) and unsecured (without collateral).

Lending conditions and requirements for the borrower

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 business days. The term will depend on the type and amount of the loan. Requirements for borrowers:

• eligible citizens of the Republic of Belarus can apply for a loan;
• the borrower cannot be younger than 18 and older than 60;
• men under 28 must provide a military ID;
• a person must stay at the last place of work for at least six months;
• if there are guarantors, they are subject to the same requirements.

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 apply for a consumer loan in Belarusbank for a higher amount, it is necessary to collect additional documents: a copy of the labor and a certificate of income.

Some types of loans require a guarantor. For larger amounts, a deposit may be required.

Loan process

There are several ways to get a loan.

1. First, you can personally visit the bank. In this way, it is best to arrange large borrowed amounts that require the provision of collateral or guarantors. Also on the spot you will be consulted about all payments and will help to clarify the questions that have arisen.
2. With the development of electronic technology, it became possible apply for a loan online. In this case, it is necessary to fill in the forms offered by the system. After considering the application, a bank employee will contact you and inform you about the decision of the bank. In case of a positive answer, you will need to come to the bank to sign the contract. Money can be sent to a card or issued in cash.

Thus, you can choose various options for obtaining a loan from Belarusbank. Choose the method that you think is best.

Recently, Belarusbank has been providing an opportunity to issue certain types of loans for consumer needs without income statements. Svetlana Filipchuk, deputy director of the department for lending to the population of JSC ASB Belarusbank, spoke in more detail about the procedure for registration and benefits for customers, as well as about a wide range of credit products.

Who can take advantage of this obvious advantage?

- Everyone, while earlier only customers of "Belarusbank" could get a loan without a certificate of income, to whose accounts wages and other income.

In the partner stores of "Belarusbank" it is possible to issue any loan amount within monthly income customer and the value of the goods, including on installment terms. To purchase a product, you just need to present an identity document and an invoice.

- And if the store is not a partner of the bank?

— For other loans for consumer needs, with the exception of loans with default risk insurance, the maximum amount without income statements is determined based on the average monthly net income not exceeding 15 basic units, which currently stands at 345 rubles. I would like to note that our bank offers a wide range of loan products.

Do you need to go to the bank to apply for a loan?

— Today, in order to get a loan, it is not at all necessary to go to bank office. It is easier to apply for a loan online using remote channels banking services. Moreover, there is also a choice here - the bank's corporate website, Contact Center, M-banking, Internet banking, bank information kiosks. By expanding services, we act in the interests of the client. You know, "Belarusbank" positions itself as a bank that is nearby. Given the development of IT, this is not only a territorial component, but also a technological one - a bank in your phone or tablet, and, therefore, in your jacket pocket or handbag.

— For what purposes can you take a loan?

— Today in Belarusbank you can get a loan for any purpose.

Moreover, our loans are affordable, simple, without hidden fees. The client can repay them monthly, taking into account his usual expenses.

— What loan products are most in demand?

- Perhaps, loans for consumer needs, which are issued very simply, do not require guarantors and income statements.

Are age interests taken into account?

— Yes, we have loans for different age categories. For example, loans for young families. Within 30 days from the date of conclusion of the loan agreement, the rate on the loan is reduced by 2 times, i.e. during this period of time, the client uses a loan at 7% per annum.

A credit "Time to live" is aimed at citizens who are entitled to receive a pension. For this loan, the interest rate in the first year of use was reduced to the level of the refinancing rate of the National Bank. Moreover, if credit is provided to participants club "Velvet", then the rate is reduced by another three percentage points.

"Installment without overpayments" intended for the purchase of goods in trade organizations, and the loan "Successful Update" provided to refinance loans from other banks. At the same time, when calculating the loan amount, payments on refinanced loans are not taken into account, and it can be issued against a penalty, that is, without guarantees.

- What is the interest of the loan " Belarusbank"to buy a car?

— Credit to buy a car provided for up to 7 years. The rate on this loan for the first 6 months is 13% per annum, in the future - the refinancing rate of the National Bank plus two percentage points.

The loan is issued without down payment and CASCO. There is the possibility of deferring the payment of the principal debt on the loan for six months.

— A few years ago, a bank offered a loan to pay for in vitro fertilization? Is there a demand?

“More than 2,000 women have used it in all this time. Loan is concessional.

Provided IVF loan for a period of up to 5 years with the payment of interest in the amount of 50% of the refinancing rate of the National Bank. Moreover, if the IVF procedure was successful and the child was born, the parents receive a deferment in paying off the debt on the loan for the period of receiving childcare benefits with an extension of the loan repayment period.

- And, finally, about the most iconic loans - for the purchase of housing. What changes have been made to these tools for solving the housing problem?

— The conditions for granting such loans have become even more attractive. Firstly, the loan term has increased to 20 years, and secondly, the interest rate in the first two years from the date of conclusion of the loan agreement has been reduced to the size of the refinancing rate of the National Bank. Then three percentage points will be added to it, but given that the rate is falling, it is unnecessary to talk about an obvious benefit.

Let me remind you that the bank retained the function of providing preferential loans for the construction, reconstruction and purchase of housing as part of the implementation of state programs.

If you are interested in details, you can find out details about the terms of lending by contacting any branch of "Belarusbank" or by calling a single reference number 147.

The history of Belarusbank, the largest in Belarus, began in 1987. Some time later, it was joined by sectoral financial institutions and the Minsk commercial Bank.

In 2011, the bank took a leading position in the country. It is included in the TOP-100 of the best banks in the world. In 2015, Belarusbank took the honorable 10th place in the list of 25 banks, the best in the territory of Eastern Europe.

Over 99% bank shares are state. The bank has many certificates and awards, including for international transfers and execution of financial orders for high level.

The total amount of credit funds from foreign investors is 2 billion US dollars. The bank has 28 branches, about 100 service centers banking services, more than 1,600 branches, more than 160 currency exchange offices and a head office in Minsk.

Key areas of activity financial institution are loans to corporative clients and individuals, deposit operations, overdraft, brokerage services.

A consumer loan is issued in a non-cash way, on a credit card. The interest rate is charged for the actual time of use of credit funds. Credit limit is determined individually, taking into account the solvency of the client.

Under what conditions can you get a consumer loan at Belarusbank?

Pledge, surety, insurance and other things provided for by the law of the Republic of Belarus can serve as security. The loan repayment period is up to 5 years with an annual overpayment of no more than 24%.

Borrowers can be not only citizens of the Republic of Belarus, but also foreigners who have a stable source of income and permanent registration in the country.

Popular products of Belarusbank include:

"Successful renewal" - is provided to pay off debt for real estate or debt on other consumer loans. The loan can be obtained in rubles or foreign currency. Issued without guarantors;

"Tested by time" - involves the issuance of an international credit card with the possibility of making payments on the Internet. The program is available to persons under 57 who are payroll clients. You can get a loan without a guarantee with a minimum package of documents. The credit limit can be increased during use. Monthly payment - 5% of the remaining debt;

"Confident Start", "Serious Plans", "Young Family" are loans intended for young people. Their advantage is low interest rates, convenient ways redemption and the ability to connect various loyalty programs. Borrowers can become full-time students from the 3rd year, but not older than 31;

"Time to Live" - ​​according to the terms of the program, the loan is intended for citizens of the Republic of Belarus who are entitled to a pension. Borrowers receiving a pension from Belarusbank may not submit a certificate of income. A distinctive feature of the loan is a reduced interest rate;
Student loan - involves transfer Money at the expense of a higher educational institution, technical school, college. Overpayment per year depends on the solvency of the borrower;

A loan for the purchase of a car - according to the terms of the program, repayment is to be made in equal monthly installments. You can buy a new car on credit from an official Geely dealer, with whom the bank cooperates;

"Internet banking" - allows individuals to apply for a loan "Cashless Internet". According to the terms of the program, a loan is credited to the bank account in Belarusian rubles. Overpayment - 15% per annum, the period allotted for repayment - 1 year. Loan product convenient for paying for goods or services on the Internet.

How to apply for a consumer loan in Belarusbank?

To transfer credit funds to an account or credit card, you should visit a bank branch and provide the following documents:

A copy and original of the passport of the borrower and the guarantor (if you choose a guarantee as a security method);

Certificate of income of the borrower and the guarantor. If the borrower or guarantor receives a pension or salary from Belarusbank, then instead of a certificate of income, you can issue an extract from a personal account for the last months;

Consent of the borrower to provide a credit report from the register of the National Bank of the Republic of Belarus;

Consent of the borrower to the verification of information and personal data about him by the bank.

Certificates are valid only for a month from the date of their issue.

Benefits of lending at Belarusbank

Loyalty programs such as “Conscientious Borrower”, “Preferential Rate”, “Cashless Benefit” can be used when repaying a loan from Belarusbank.

It is easy to pay for a consumer loan in several ways: via the Internet, mobile banking, at bank information kiosks, using the AutoPay program. But this is not all the advantages of cooperation.

Through the Internet credit card financial institution, you can pay for services and goods of different price categories around the world.

You can get a loan from Belarusbank at any of its branches. The application can be filled out on the official website of the bank or at the information kiosk. You can also apply by phone.

When receiving a pension or salary from the bank, you will not need a certificate of income when applying for a loan.