How long is a loan application considered at Sberbank? How to apply for a loan at Sberbank?

Sberbank is the leading financial institution in our country, therefore, many apply to it for loans and deposits. The institution offers many types of loans, so bank customers are interested in how much a loan application is being considered at Sberbank. Let's find out more about this.

How is the term determined?

Compared to other financial institutions, Sberbank of Russia checks credit customers in order to minimize risks. It takes some time. How long is a loan application considered at Sberbank? It all depends on the duration of this procedure. Usually a check occurs:

1. Customer personal data, authenticity of documents.
2. Solvency and income.
3. Labor employment.
4. Credit history.
5. Collateral estimates.
6. Solvency of borrowers and guarantors.

First of all, the documents are considered by the bank manager, and then they are transferred to the Credit Committee, which makes the decision. An application for a consumer loan at Sberbank is usually considered quickly.

The timing

At the time of receiving the application, the employee usually says how much the loan application is being considered at Sberbank. But one should not expect that the creditor will keep within such a period, since difficulties may arise at any stage. Therefore, in each case, the timing can be individual.

Let's find out how much a loan application is being considered at Sberbank. Usually it takes 2-7 days, and only business days are taken into account. For payroll clients, terms can be shortened. If the answer to the loan application in Sberbank was not received, then probably a negative decision was made. But you can contact the office or help desk by phone about this.

If the application is approved, the contract is drawn up. You need to familiarize yourself with it and sign it. The client is provided with a payment schedule, according to which it is necessary to deposit funds every month.

Credit Terms

Sberbank offers a consumer loan of up to 1.5 million rubles without guarantors and collateral. The presence of the latter is usually required upon approval of a larger amount - up to 3 million rubles.

To increase the loan amount, the client should record and confirm the spouse's income. Customers who receive a salary or pension at Sberbank can apply for a passport loan.

Rate

The rate for each client is determined individually. Usually it is 22%. If a small amount is required - up to 500 thousand rubles, then the percentage may be from 16%.

When a person applies for the first time, the rate may be higher, but if he repeatedly uses the services, then it gradually decreases. The interest can be different, depending on the type of loan, because through Sberbank consumer loans, mortgages, car loans are issued.

Requirements

Before applying for a loan at Sberbank, you need to familiarize yourself with the requirements for customers. Borrowers can be persons between 18-75 years old. The maximum age is valid for the period of the last payment. It should be noted that consideration of the application begins with the submission of the application and documents. The decision is usually notified by telephone.

A passport with registration is provided with the application. Only in some cases temporary registration is allowed. The borrower must confirm employment. Work experience should be more than 6 months at the last place of work. An income certificate is usually required, it does not need to be provided only in cases where the salary is credited to the card or account of Sberbank.

Online calculator

Before contacting Sberbank, you can first prepare for a loan. This will avoid errors. You need an online calculator, which is on the bank's website. You need to enter the required amount, date of receipt of funds, loan period and average income.

Thanks to the loan calculator program, it will be possible to familiarize yourself with monthly loan payments, as well as overpayments. According to the entered information, the service performs approximate calculations. If the results are satisfactory, you can visit the office to submit applications and documents.

Office visit

You can apply for a loan with Sberbank using a personal visit. To do this, prepare documents. These include a passport, a certificate of employment, a paper on a surety or pledge.

Usually the data is filled in by a bank employee. The following information must be indicated in the application:

1. FULL NAME. and date of birth.
2. Place of Birth.
3. Floor.
4. INN
5. Information from the passport.
6. Contacts.
7. Addresses

Applying for a loan at Sberbank is not difficult, usually it does not take much time. After that, consideration of the application begins with the provision of any decision.

Online application

An online loan application at Sberbank speeds up the review. You must visit your personal account on the official website, where a login and password are used to enter. Usually, you need to confirm the entry with the code from the message.

There is a loan section in your account. There you need to fill out an application online. You must choose:

1. Type of loan.
2. Parameters.
3. Currency
4. Payment period.
5. Amount.

The client will be shown the interest rate while filling out the application, but these are only approximate indicators. Only after entering all the data will an accurate calculation be made.

After that, you need to select the application option:

1. Fast - for standard customers. The client needs to provide incomplete information. The remaining information is transmitted with a visit to the bank.
2. Advanced - for privileged customers. These are those people who participate in a salary project or work in a bank. In this case, the borrower provides all the information remotely.

An online loan application at Sberbank is usually considered faster. Often customers will find out the solution in a few minutes.

Credit Payment Methods

If the application is approved, the client can apply for a loan. With the conclusion of the transaction, he receives an agreement with payment schedules. You can return money in different ways:

1. Through the cash desk of Sberbank.
2. Use a terminal or ATM.
3. Make payments online through your account.
4. Use the services of other banks.
5. Transfer money through payment systems.

Thus, a loan at Sberbank is made easy. It is only necessary to apply and wait for a decision. When all the requirements are met, a positive response is usually received. After applying for a loan, you only need to make payments in a timely manner so that a positive credit history is formed.