For cooperation with the bank to be profitable, you need to familiarize yourself with the programs of banks. A loan at minimum interest rates would be the best choice, since then you do not have to overpay. Now several banks offer similar conditions, you just need to choose the right ones. It is most advantageous to contact Sberbank, but usually customers need to collect various documents, as well as go through a lengthy process of registration.
Where to go
There are many banks in Russia that offer their own conditions. But not all of them are beneficial to people. Programs differ in terms of execution of the contract, amounts, rates. A loan at a minimum interest rate must be obtained from a trusted bank. Their list includes:
- Sovcombank.
- "Renaissance Credit".
- Home Credit.
- Sberbank
- Citibank.
Each company offers an individual approach. Salary clients have the right to receive favorable conditions for cooperation. You can contact a bank that has recently opened in the region. Such institutions attract customers with profitable programs, so getting a loan at the lowest interest rates will be realistic.
Often, small fines conceal large fines, additional costs, insurance. You must use the services of those banks that do not hide the overpayment. Honesty in this matter is very important.
How to get the minimum percentage?
To get a loan at the lowest interest, you need to choose the right program. To apply for a consumer loan you need:
- have a high salary;
- provide a deposit;
- to have a good credit history;
- attract guarantors.
Thanks to this, you can quickly go through all the checks, receiving a positive answer. These customers are offered favorable conditions. Long registration reduces the rate. Loans for 2 documents issued in 1 day have a high percentage. Banks take into account the place of work and length of service, family composition. You must carefully fill out the questionnaire, not missing a single important point.
Minimum percentage
You can find offers for which a rate of 10% for a consumer loan is applicable. The minimum percentage may be higher. The rate is about 15-20%. A figure above 20% is not considered a good offer.
Each region has different rates. Therefore, you need to familiarize yourself with the offers of several banks by choosing the appropriate one. You should not look for an unrealistically profitable program, since financial institutions will not work at a loss. It is undesirable to use credit intermediaries, since many of them charge a percentage.
Target loans
An unearmarked loan at a minimum interest rate in Moscow is more expensive than a target loan. A borrower who does not have specific plans poses a risk to the bank. If you need funds to buy a car, education or a vacation trip, you should choose a target program.
There is the possibility of obtaining a loan for treatment or wedding. Such programs will save 3-5% per annum. If you need to get a large amount, then such a benefit will be noticeable. For targeted programs, additional documentation is needed, as well as confirmation that the funds are used for their intended purpose.
Types of loans at Sberbank
Interest on Sberbank loans. The organization offers several types of loans:
- Consumer. Provided for everyday needs. The maximum term is 25 years.
- Housing. With its help, you will be able to purchase real estate in a new building or build your own house. The payment period is up to 30 years.
- Automotive. Loans are issued for the purchase of a personal car. Loan term - up to 5 years.
Each of these services has its own design features. You can find out more about them on the website or in the office of the bank. Making any loan involves signing a contract that contains the terms of cooperation.
Getting a consumer loan
In Sberbank, you can get a loan to pensioners at a minimum percentage. Loans are secured and secured. The maximum amount is 1.5 million rubles. The payment period is within 3 months - 5 years. To receive funds without third party security, you need to prepare some documents:
- statement;
- passport;
- confirmation of temporary registration;
- employment and income.
If you need a large amount, then you need to invite guarantors. In this circumstance, you can get up to 3 million rubles. The decision is made by the bank within 1-10 days. In Sberbank, interest on loans can be low if there is a pledge in the form of real estate. Then a large amount is provided.
The nuances of the service
If a person is not a regular customer of Sberbank, then the rate will be about 19-20%. When applying for a loan in foreign currency, the overpayment will be 15%. The minimum loan amount at Sberbank is 15 thousand rubles, and the maximum - 750 thousand rubles. If there is collateral, the amount doubles. The loan period is up to 5 years.
Favorable conditions are provided to regular customers. The rate will be lower by 8-10%. And the minimum and maximum amount will be at the same level. It turns out that the overpayment will be small.
Insurance
The service is beneficial for banks that fear death or loss of legal capacity by the client. Typically, the amount of payments is similar to debt, but cannot be higher than 3 million rubles. The rate will be about 2-3%, but for each client it is set individually.
Insurance is optional. If the bank assures that the execution of the contract affects the decision, then this should not be believed. Even if insurance is not selected, the continuation of the transaction will not change.