Today, due to low rates, in comparison with other loans, the most popular are social consumer loans in Sberbank.
Disadvantages of obtaining loans at Sberbank
However, along with the advantages of such programs, there are also disadvantages of taking a loan at Sberbank. The most significant of them can be considered a long decision-making time and a huge number of references that confirm the borrower's income.
Almost all credit programs of a given banking institution require guarantors. That is, obtaining a consumer loan without a person who can vouch for you and in the event of your insolvency to pay the loan is impossible! Even the so-called unsecured social consumer loans exist only on paper. Typically, the amount of loans ranges from 15-16 thousand rubles to 40-45 thousand rubles. If there is one guarantor, the amount increases from 45 thousand rubles to 300 thousand rubles, and if there are two guarantors, you can count on the amount from 300 thousand to 750 thousand rubles.
What is meant by securing a loan?
The guarantee of individuals who have stable and officially confirmed earnings, or the guarantee of legal entities. Pledge in the form of real estate, car, bullion and securities.
In addition, Sberbank does not issue consumer loans without references, leaving this hopeless, from the point of view of the banking management, enterprise to the share of commercial banks.
How to get a loan
As everyone knows, social consumer loans require certain documents of the borrower. In the case of Sberbank, the package of documents is traditionally standard, however, it can be expanded (which very often happens) in the event a bank employee suspects your solvency.
Passport and TIN, application, application form are the minimum documents that may be required.
A certificate for working citizens in the form of personal income tax2, for pensioners - a certificate of the amount of the pension they receive, for entrepreneurs - a package of documents confirming solvency is very wide (accounting report for the specified period, statements from the tax, lists of accounts payable and receivable, certificate of public liability and other). It should also be borne in mind that all the same documents and certificates must be provided to guarantors. If there is a security deposit, then you also need to bring certificates confirming your right to own it. For real estate - this is the owner’s passport and purchase agreement, for vehicles - the data sheet, etc.
The minimum loan amount for consumer needs is 40-45 thousand rubles for Muscovites and 15 thousand rubles for residents of other regions. You must also consider that if you need an amount less than the minimum, then there is no need to contact Sberbank. A loan in the amount of, for example, 30 thousand for Muscovites and 11 thousand for other citizens will not be issued. In this case, it is easier to contact another bank.
Despite the disadvantages of Sberbank, we can conclude that it is difficult to find social consumer loans with lower rates!