The prospect of getting a loan as soon as possible always attracts the attention of borrowers, and banks, in turn, try to offer the most profitable loan product for them, which can be obtained literally in a matter of minutes. In general, in fact, consumer loans are always in good demand, for the simple reason that funds can be used for personal needs, and at the same time not accountable to the bank for the funds spent. Not the last place in the rating of Belarusian banks is occupied by Belgazprombank, loans for consumer needs here you can issue in a short time, let's see on what conditions.
This is the most attractive loan product for borrowers, because the name of the financial offer speaks for itself. You can get a loan in a short time, on average, a decision on the application is made within the next 24 hours. According to the terms of this offer, the maximum loan amount reaches 10,000 Belarusian rubles, the loan term is up to 36 months, and the annual interest rate is 18.2%.
The peculiarity of a consumer loan is that it is issued to the account bank card in the form of a revolving line of credit. Pledge and surety loan program will not be required. As security, the bank offers customers a penalty. For each borrower, the bank individually determines the maximum loan amount, depending on its creditworthiness.
Within the framework of this loan program, the borrower will need a complete list of documents, in particular, there are a number of requirements for it: age - from 18 to 64 years, salary certificate for the last three months, permanent registration in the territory of the Republic of Belarus. An individual entrepreneur with a term of at least 6 months can act as a borrower.
Please note that Belgazprombank's loan Quick Money is not available at the moment.
Indeed, a Quick Money loan is a rather advantageous offer for a potential borrower, but the problem is that at the moment the bank does not issue a card. But here there is an alternative offer - this is a Shopping Card, in fact, here consumer credit is issued to a bank card account with a revolving credit line; borrowed funds can only be used to pay for goods and services.
The purchase card provides an opportunity to pay for goods and services from the bank's partners and not pay interest for it. That is, in fact, the client receives an installment plan for a period of 1 to 18 months, when paying for any product. Its cost is divided in equal parts for a certain period and is included in the amount of the monthly payment. The following conditions apply to this card:
From the documents, the borrower will need a passport of a citizen of the Republic of Belarus and a salary certificate, but only if he is a payroll client of the bank, and the card limit exceeds 2,000 Belarusian rubles. Pledge surety and other security is not required. To get a card, it is enough to fill out an online application on the bank's website at https://kartapokupok.by/ru/#FRM_zaiavka.
Please note that it is impossible to withdraw cash from this card at Belarusbank ATMs according to the terms of service.
An overdraft is a special type of loan that is provided at a time for a short period of time. The service is connected to the account debit card jar. Belgazprombank offers its payroll clients an overdraft service, insofar as only participants can use it salary project accordingly, they will not be required to provide a certificate confirming solvency.
The terms of service for this service are individual and depend on many factors, including the client's salary. That is, maximum size overdraft does not exceed 3 monthly salaries, the maximum overdraft amount is 10,000 Belarusian rubles. The interest rate is equal to the refinancing rate + 4%, the maximum loan term is 360 days.
Please note that the bank debits the overdraft payment at a time upon receipt of wages to the account salary card.
Finally, it should be noted that you can take a consumer loan from Belgazprombank only to the account of a plastic card. That is, the bank does not provide a cash loan, at the moment. However, the most advantageous offer is also the Purchase Card, which allows you to pay for goods and not pay interest at the same time, the card will be beneficial only if the user complies with the terms of the contract as much as possible and does not violate the terms of payment.
Belgazprombank issues loans in all main areas: customer credit, loans for the purchase of housing and a car, as well as credit cards. These areas of activity are a priority for the bank, so the proposals vary in terms, rates, and loan amounts.
Belgazprombank issues loans for consumer needs for up to ten years.
In addition to regular cash loans, you can apply for an overdraft on a salary card.
The client gets access to additional amount Money up to 10 thousand Belarusian. rubles, and will pay interest (refinancing rate + 4%) only on the amount actually spent.
As for consumer lending in its purest form, it is represented by the ON-credit service. You can take up to 3 thousand Belarusian rubles. rubles without certificates and guarantors.
Provided that the client receives at least three full months of salary on the card of Belgazprombank, his credit limit is increased to 10 thousand Belarusian rubles. rubles.
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| Minimum design requirements: | ON-loan can be granted to you if:
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The interest rate for both payroll clients and ordinary borrowers will be the same - the refinancing rate of the National Bank of the Republic of Belarus, increased by 5.95%. Since February 14, 2018, it has been 10.5%. Consequently, customers who now come to apply for a loan will receive it at a rate of 16.4%.
The National Bank may change the refinancing rate as a measure of influence on monetary policy, therefore, before taking a loan from Belgazprombank, it is necessary to clarify the current refinancing rate.
Belgazprombank issues a loan for the purchase of housing under the "Housewarming Soon" program, which involves the conclusion of contracts for the purchase or construction of apartments, carried out by a limited list of developers. The list of developers is given on the official website of the bank.
The loan is issued exclusively for the purchase of new real estate and only for apartments in the houses of those developers who are partners of the bank.
A distinctive feature of this loan product from other mortgage loans is that not only the pledge of an apartment is allowed as security, as is always the case with a mortgage, but also a surety individuals, subject to solvency.
It is difficult to name specific figures for this loan program, since everything will be determined individually for each client. However, it is known for sure that you can only lend up to 80% of the purchased property, and the remaining 20% will have to be paid in cash from your own funds as a down payment. Loan repayments are allowed for a total of 20 years.
Especially popular was the Belgazprombank loan "Fast Money", which was a consumer express loan for up to 10 thousand Belarusian rubles. rubles. The amount was allowed to be used for up to three years, repaying the principal in equal installments, and interest was paid on the remainder of the principal. Up to 3 thousand Belarusian The bank issued rubles without confirmation of income, and for large amounts it was necessary to confirm the level of earnings.
The loan was not issued in cash, but was transferred exclusively to the card, but the money was withdrawn from ATMs without commissions.
Currently this loan offer given the status of archival, new agreements on it are no longer concluded.
To obtain any of the above loans, the potential borrower must be between 18 and 64 years of age and have citizenship of the Republic of Belarus.
Lending allowed foreign citizens having a residence permit in Belarus.
If the borrower is an individual entrepreneur, then the minimum seniority- from 6 months. Income for the last 3 months in total must be at least 2000 Belarusian rubles. rubles, and excluding payments on other loans, if any.
From the documents you will need:
For example, when mortgage lending you must provide the original contract of sale or participation in shared construction if the construction of an apartment building has not yet been completed.
Maxim Demchenko
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The Bank issues loans for consumer needs without a guarantee and collateral for cards. Both citizens of the Republic of Belarus (RB) and foreigners with a residence permit can receive money. In Belgazprombank, you can get a loan in the amount of up to 2,000 Belarusian rubles without a certificate of income.
Belgazprombank provides consumer loans to individuals working for hire and individual entrepreneurs. The amount up to 10,000 Belarusian rubles can be received without commissions and additional payments. Basic conditions loan products collected in a table.
Holders of Belgazprombank payment cards can apply for an online loan. It takes no more than 5 minutes and does not require visiting the bank office. The money can be spent on buying household appliances, paying for tuition or arranging an apartment. After the full repayment of the loan, you can use it again without re-submission of documents.
A "purchase card" can be issued by any adult who has the status of a resident of the Republic of Belarus. The money received on the card can be used to pay for goods and services of the bank's partner stores. within the approved credit limit the borrower can make multiple purchases.
Salary customers of the bank can receive money at the right time using the Overdraft Online program. This service allows you to pay for any purchases within the allocated limit if there are not enough own funds on the card. After returning the loan, the client can get it again, without providing documents.
Individuals can receive loans for consumer purposes without collateral. At the same time, Belgazprombank does not require confirmation of the intended use of funds. In addition, a loan can be issued by a client who has other credit obligations.
The bank does not set a minimum loan amount. The maximum amount depends on the average level monthly income client. The bank sets the loan term depending on the tariff.
A credit institution issues loans at a floating interest rate, which depends on the rate of the National Bank of the Republic of Belarus. Therefore, when the refinancing rate changes, the interest rate on the loan also changes.
When receiving a loan, the client undertakes to pay the amount of the debt and interest for use in equal installments on a monthly basis. In case of late payment of the debt, the borrower must pay a penalty in the amount of 0.5% of the amount of the overdue payment for each day of delay.
The credit institution also bears financial responsibility to the borrower. If the bank untimely credits or unreasonably writes off money from the account, the client has the right to demand a fine. Its size is 0.01% of the untimely credited or erroneously debited amount.
The borrower can repay the loan and interest on it ahead of schedule without additional commissions and payments. To close the loan, the client must notify the bank 3 days before the expected repayment date and deposit the remaining amount.
The bank lends to its customers on standard terms. However, when using the "Purchase Card" there are features. If the client made a purchase abroad, he is obliged to repay the loan within a month. Money spent in Belarus must be returned within 2 years, depending on the amount.
Borrowers use the money from the "Purchase Card" for a minimum percentage, in fact buying goods in installments. However, if the payment of the loan is delayed, the interest rate increases to 69% per annum.
Customers can use the card as a settlement by depositing money into its account. If purchases in partner stores are paid for with their own funds, the bank will accrue a cashback in the amount of 2% of the amount spent.
In order for the bank to approve a loan application, the client must have permanent place residence and stable income. So credit organisation reduces the risk of loan default.
To select reliable borrowers, the bank adheres to the following criteria:
The bank requires the borrower to have the status of a resident of the Republic of Belarus and a regular income. Moreover, it does not matter if the client is employed, receives a pension or carries out entrepreneurial activities.
Salary customers can apply for an "Online Overdraft" provided that they receive a salary of no more than 1,000 BYN. R. per month or no more than 10,000 bel.r. for three months.
To take advantage of the bank's ON-credit offer, the client must use the payment card for at least a month. BUT minimum income minus liabilities must be at least 200 Belarusian rubles.
To make a decision on granting a loan, the bank checks the data of the client's questionnaire. To verify identity and confirm income, Belgazprombank requires documents to confirm the information.
Mandatory
The client must provide:
If the borrower receives a salary or other payments to a bank card, then a certificate of income is not required when applying for a loan.
To apply for a loan, you can fill out an application on the website or at the bank office. To conclude loan agreement you need to provide a set of documents to the nearest branch of Belgazprombank.
To issue a "Purchase Card", you must go to the page banking product and click on the "Apply" button. After that, you need to enter the name and surname in the form fields, specify contacts.
Regular customers can fill out an application for a loan online in the Internet Bank. To apply, you need to log in to the official website using your login and password or BGPB-mobile code.
Bank employees will review the application and call the client. After receiving a preliminary decision, you need to come to the office with documents and apply for a loan.
In the bank branch, the client can consult on all credit tariffs and get help filling out the form. Employee credit department calculate the available limit and monthly payments, check the submitted documents.
The address of the nearest branch can be found by selecting the “Bank Offices” section in the menu. On the page, you must specify your city and select the display mode - a map or a list of addresses.
After approval of the loan application, the bank credits the money to the borrower's card account. They can be used for:
You can withdraw cash for free at ATMs and cash desks of Belgazprombank, Gazprombank, MTS Bank, VTB Bank and Belagroprombank. In Belpochta branches, money can be received by paying a commission of 1% of the amount. In ATMs and cash desks of other Belarusian banks, the fee for issuing money is 2-3%.
Transfers from card to card of Belgazprombank are carried out without additional fees. Money can be transferred to payment cards of other Belarusian banks for 1.5% of the amount, but not less than 0.49 Belarusian rubles. rubles. For card transfer payment system MasterCard issued by a non-resident bank, Belgazprombank charges a fee of 1.5% of the amount, min. 1.50 Belarusian rubles.
It is not possible to receive cash using the "Purchase Card". Money can only be used for purchases in partner stores of the bank.
By signing a loan agreement, the borrower undertakes to repay the loan in monthly installments. In order to pay the loan on time, it is necessary to replenish the account to which the loan is linked. Belgazprombank offers to pay in various ways
Loan repayment methods differ in the duration of enrollment and the amount of remuneration. In order to repay the debt on time, these parameters must be taken into account.
Belgazprombank issues loans for consumer needs on customer cards without collateral. If there is a shortage of funds in the current account, payroll clients can use the Online Overdraft program. Holders of the bank's payment cards can apply for an "ON-credit". To pay for goods and services in the bank's partner stores, it is convenient to arrange an installment plan using the "Purchase Card". Loyal customers can apply for a loan by presenting only an identity card.
Belgazprombank is one of the commercial banks of the Republic of Belarus, the main stake of which is owned by the Russian Gazprom and Gazprombank. You can get loans for consumer needs at Belgazprombank using one of three programs.
What are the features of each of the proposals, what requirements must the applicant meet?
Three programs - three different proposals and packages of documents.
Let's consider each of them.
To participate in the program, it is not necessary to be a citizen of the Republic of Belarus - it is enough to have a residence permit. Age of borrowers from 21 to 60 years. To obtain borrowed funds, a prerequisite is the presence of seniority at the current place of work for more than 3 months.
Using this loan, you can borrow more than 40 million Belarusian rubles for up to 4 years. The maximum possible amount will be calculated based on the financial capabilities of the borrower. The loan rate is: Refinancing rate (22.5%) + 20.
In order to take a more impressive loan, you can provide the bank with a car manufactured after 2004 as collateral, or secure a loan with the help of a third party guarantee.
The name speaks for itself: the loan amount is small and amounts to 30-90 million Belarusian rubles. The rate is higher by one percentage point than for the previous program, calculated according to the formula: Refinancing rate +21. You can take "Pocket Money" for no more than three years. The bank considers only the surety as collateral.
In order to get a loan for consumer needs, the Belarusian Belgaprombank imposes certain requirements on its borrowers: age 21-60 years old, citizenship of the Republic of Belarus or a residence permit in Belarus, work experience at the last place of work for more than 3 months, the presence of guarantors.
If you need money urgently, you can get it in just an hour, but the conditions will be the least favorable in comparison with other consumer loans offered by Belgaprombank.
The loan offer looks like this:
— amount up to 30 million rubles;
- term - no more than two years.
Upon receipt of the Express Loan, the bank will issue plastic card, which can be used as a discount in the ALMI chain of stores.
To obtain a loan, you need to be a citizen of the Republic or have a residence permit in Belarus, have a work experience of 3 months and an income of 1.7 million Belarusian rubles. The age of the client should not go beyond 21-60 years.
For Russians who want to get a loan on interesting terms, we have prepared an article Consumer loan at Halyk Bank.
Thanks to Belgazprombank, loans for consumer needs have become much more affordable for different categories of citizens. Using the services of this financial and credit organization, you can apply for a cash loan as soon as possible and without references. This is especially important in emergency cases.
Belgazprombank is one of the three most reliable financial institutions Belarus, serving not only individuals, but also corporate clients who pay wages the whole staff. Currently, this credit institution provides the following services:
One of the most popular services provided by Belgazprombank is consumer lending. It can be used not only for the acquisition of movable and real estate, but also for many other purposes, which is very convenient.
Unlike many others financial institutions, Belgazprombank provides loans not only in the national, but also in foreign currency at different interest rates. Clients can make loans or keep their savings on deposit in Belarusian and Russian rubles, as well as in US dollars and euro.
To get a consumer loan at Belgazprombank, you must provide the following list of documents:
To the borrower himself, in addition to having citizenship and permanent registration in the territory of the state, certain requirements are also put forward, which are not particularly stringent. We are talking about such eligibility criteria as age from 18 to 64 years (the last limit takes into account the maturity of the loan), as well as a confirmed entrepreneurial activity lasting at least six months.
That is, not only individuals and legal entities but also individual entrepreneurs.
Another undoubted advantage is that it is possible to take a loan from Belgazprombank without certificates and guarantors. This is especially true for informally employed persons or borrowers who receive the minimum wage on paper. Naturally, this will be reflected in the terms of repayment of the loan and its size, because in order to receive a large amount, the bank's client will have to prove his solvency. The greater his official income, the better the bank will be able to offer him a loan.
The situation could be corrected by the availability of solvent guarantors, who are ready to take responsibility for repaying the loan when the borrower's insolvency is confirmed, however, Belgazprombank provides another form of collateral - a penalty. Alternatively, you can apply for a salary card at a bank, becoming its client even before applying for a loan. In this case, the client is granted more privileges, including an increase in the limit of the body of the loan or its repayment period without providing income statements.
Regardless of the chosen program, the client will not have to pay an initial fee for the used interest-bearing loan. As for the programs themselves, Belgazprombank currently provides the following lending service packages:
The latter type of loan includes as many as 7 programs, and some of them involve the issuance not only in Belarusian rubles, but also in other currencies when interest rates change. These are the following lending programs:
The given limits are conditional, as they are not constant values due to the floating exchange rate. It is worth noting that in order to apply for any of the listed loan packages, it is not at all necessary to contact the nearest branch of the bank.
You can apply directly on the official page of the institution, indicating some personal data. The terms for consideration of such an application can vary from a few minutes to three days, depending on the requested loan amount.
"ON-loan" can be issued within 5 minutes without visiting a branch of Belgazprombank. Also this financial institution provides several more convenient express self-service services.
For example, by registering your Personal Area on the bank's website, the client can apply for a "Purchase Card" for small consumer needs with a limit of 10 thousand rubles. You can pay for goods with such a card without additional commissions and interest overpayments, which is very profitable.
In addition, you can repay loans within two years, making payments in equal shares. The interest for the use of funds on the card begins to be calculated only if the loan is overdue. The replenishment of the card itself is carried out either in bank office, or at the post office "Belpochta". To avoid delay, the client will receive a monthly notification reminding about the repayment of the loan.
If you wish, you can apply for such a card at the bank itself, providing a passport or residence permit, as well as a certificate of income if the borrower does not have a Belgazprombank salary card valid for at least 3 months.
The last requirement can be another reason to apply for a bank card and get a lot of privileges. This service is called "Online Overdraft".
If a client wants to control his loan and payments on it, then he should activate the Belgazprombank Delay service. Early repayment, recalculation and verification of the loan balance, as well as the amount required to deposit to the credit account for the current month - all this can be found out in a matter of seconds when the Delay function is activated. In addition, it can be used to make monthly payments according to the loan agreement.
There is another way to calculate a loan at Belgazprombank for consumer needs - an online calculator that will help you instantly select the optimal loan program for a potential borrower. This is a special automated application that is able to analyze the input data and provide all the necessary information about a suitable service package, including a list of documents, interest rate and loan repayment terms.
So, just enter the required amount, the desired percentage in the empty fields annual rate, currency and billing period so that the program can offer appropriate or as close as possible to them loan conditions. In addition, automatic real-time calculation helps to calculate the balance and monthly payments in case of partial early repayment. It also shows the client the ratio of the overpayment and the body of the loan as a percentage.
