One of the largest banks in the country, Sberbank serves the majority of enterprises and individuals in the country. A feature of his client policy is that the company is always ready to offer a line of banking services for various social groups. And in terms of serving a wide layer of the population, it has no analogues.
How to get a loan at Sberbank: documents, conditions, types of loans
Sberbank is the undisputed leader in the field of financial services in Russia. His clients are not only citizens of Russia with a total of 110 million, but also about 11 million people outside the country. How did you manage to earn the trust of so many people? Let the bank indicators tell about this:
- if we combine the turnover of all 670 banks in Russia, then a third of them account for Sberbank;
- Sberbank brings together 12 other banks operating throughout the country;
- the number of branches exceeds 16,000 individual fully functioning offices;
- if we take the total volume of deposits in the country, then about 50% of them entrusted their funds to Sberbank;
- Sberbank is a leader in the financing of legal entities;
- provides the widest range of services to the population;
- a third of banking assets belong to Sberbank;
- More than a third of legal entities registered in the Russian Federation conduct their financial transactions through Sberbank.
In addition to standard services, Sberbank was one of the first to introduce a remote funds management system. The service is implemented as a mobile application, an interactive version of the banking system, SMS service and ATMs. In addition, the lion's share of plastic cards is served in this institution.
Given the above, among the population the question of how to get a loan from Sberbank is always relevant.
Types of services
If you consider the full range of offers, then it covers almost all types of financial services. In particular, these are:
- provision of consumer and mortgage loans;
- for those who are concerned about the issue of how to obtain a deferred loan, Sberbank has refinancing loans from other banks without a commission;
- financing under 4 own mortgage programs;
- wide selection of deposits;
- issuing and servicing credit and debit cards;
- personal service;
- transfers throughout the world;
- making payments;
- operations with securities;
- investment activities;
- operations with collateral;
- programs for seniors;
- insurance;
- rental of safes, cells;
- letters of credit.
Part of the services is aimed at a narrow audience - large corporations, investors and legal entities. The population is much more interested in learning how to get a loan from Sberbank.
Types of loans
Sberbank differs from others in that in the list of its services each citizen can find what is important to him and on acceptable terms. For instance:
- The owners of the farm can receive funds up to 1.5 million rubles for the development of their business. The settlement period is a maximum of 5 years. The amount to be returned will differ from the loan amount by 17% per annum. The package of documents should include documents on the management of the farm. The age requirement for borrowers is from 21 to 75 years. If there is a need for more substantial amounts, then you can attract co-borrowers from among close people.
- Mortgage loan at Sberbank for military personnel. Defenders of the Fatherland can receive financial support when buying real estate. The loan amount is from 500,000 to 1 million rubles. The key will be acquired housing. It is enough for the applicant to provide the guarantor.
- What if there is a loan at another bank, and the conditions of Sberbank are very attractive? There are a lot of such cases in practice. The right to refinance a loan is enshrined in law. The object of this procedure in most cases is a mortgage. Thus, a mortgage in any other bank can be advantageously re-registered for a mortgage loan at Sberbank.
- For different purposes. Any goal can be realized today. Sberbank is ready to allocate up to 5 million rubles to anyone who meets its simple requirements. The return period is up to 5 years. The loan amount is repaid with an annual rate of 12.9%. Other payments are not provided.
Portrait of a Sberbank borrower
To answer the question of how to get a loan at Sberbank, you need to know what are the requirements for potential customers. Standard requirements are as follows:
- Having a regular income. This can be a profit from your own business, salary, pension, dividends or another.
- An opportunity to officially confirm sources of income.
- If we are talking about a large amount, including a mortgage, it is necessary to have collateral. The most liquid option is real estate, the estimated value of which is equal to or greater than the loan amount.
- If we are talking about small amounts and consumer loans, then surety is needed - a person from the immediate circle who is ready to share risks.
- Citizenship of the Russian Federation or of the country where Sberbank branches operate.
However, this list is not exhaustive information, as the institution has a number of credit lines designed for those who are wondering how to get a loan to a pensioner or student from Sberbank to pay for their studies. In such programs, the number of documents is minimized.
Credit cards
Credit cards are implemented as part of the Visa and Master Card international payment systems. Master Card is issued on the statuses "Classic", "Premium" and "Golden". Visa suggests Aeroflot directions of the same name. Each of them gives the right to use funds on the balance sheet for 50 days free of charge. That is, you can start spending the loan upon receipt of the card, if funds are returned within 50 days, then interest rates are not charged on them.
Credit cards, depending on their status, provide a lot of privileges, benefits and discounts. In addition, according to the agreement, on their balance you can regularly receive a loan from Sberbank for individuals.
Cards can be ordered by persons with a stable income and a permanent place of work. Applications are accepted online through online applications and in bank branches. Home delivery is also provided.
Bank insurance
An insurance policy is needed by a modern person at every step. You should not wait when it is useful in other procedures. Insurance in itself aims to cover unforeseen expenses of a citizen. The presence of an insurance policy many times increases confidence in a person in many matters.
When applying for a loan, this factor is no exception. Many banks require insurance on personal risks or on collateral. Credit insurance at Sberbank allows you to reduce interest rates on loans. In addition, the policyholder can sleep peacefully, knowing that any unforeseen situations and expenses associated with them will be compensated by using an insurance policy.
What can be insured? An incomplete list is as follows:
- borrower's own risks;
- Mortgages
- traveling
- funds on the card;
- your loved ones;
- the head of the family.
Deposits
If we compare the conditions and types of deposits for all banks in Russia, then Sberbank will be the undisputed leader. The reason is the variety of deposit programs and the loyalty of the conditions. Clients can not only safely place their funds, but also receive a stable income. Actual deposit programs for today are implemented in three directions:
- For retirees.
- For a wide range of customers.
- With higher rates.
Each species deserves separate consideration.
Deposits for retirees
Pensioners can place available funds for up to 3 years. Dividends will be formed due to the interest rate equal to 5.5%. There are two types of deposits for retirees: “Replenish” and “Save”. In addition, there is a deposit with the possibility of partial withdrawal of Pension Plus.
For those who are wondering how to get a loan from Sberbank, it is useful to know about its other services. The advantage of deposits with Sberbank is that having an agreement in this direction makes it possible to quickly and with a minimum of documents arrange loans or a mortgage. The deposit amount can be used as a down payment on a mortgage or as a security guarantee for other types of loans.
Contributions for a wide range
Some of the deposits of Sberbank are social in nature. There is even a special deposit program aimed at helping children with serious illnesses. It is called Give Life. The deposit opens for a period of 1 year. Charges will be equal to 4.95%. The minimum amount is from 10,000 rubles. Of the accrued funds, 0.3% will be used for charitable purposes through a transfer to the Give Life fund.
Opening conditions, as well as cash loan terms at Sberbank, are loyal. For example, the “Social” deposit makes it possible to open a deposit in the name of children deprived of parental care. Relatives or other people who want to help can open this account in the name of the child. Authorized persons with a custody certificate or other documents confirming family ties are authorized to open an account.
Increased dividends
Increased rates are available for those who are ready to open a deposit in the amount of 1 million rubles or 50,000 dollars. Dates can vary from 1 to 36 months. Rates depend on the specific amount and timing. Average indicators - from 4.95% to 5.91%. Deposits with increased dividends will also help simplify the process of resolving the issue of how to get a loan from Sberbank, since the deposit can be used to secure or repay the loan.
Deposits with higher rates are also aimed at saving, replenishing and effective management of funds. Therefore, they bear a similar name. If accounts with the possibility of replenishment and effective management provide for replenishment, then the account for saving does not provide such an opportunity.
How to use Sberbank Online?
"Sberbank-online" - a full range of services with the ability to remote control. Through the user's personal account, all types of operations are available, as with a personal visit to a bank branch.
The great advantage of online use is that it makes it possible to obtain loans and repay them at a distance. Here you will also find all the necessary information and access to online consultations. Loans are issued in minutes. Consideration takes the same time. If Sberbank approved a loan, when can I get it? Loans for approved applications can be obtained within the next day in one of the bank's branches, on a card or by transfer.