All residents of our country know that a financial institution called Sberbank is the most reliable and popular in Russia. The total amount of its assets exceeds 22.6 trillion rubles. Many people trust him with their money. But the most popular service nowadays is the issuance of loans. Therefore, many citizens are most interested in the question: how to get a loan at Sberbank? This is what is worth talking about.
Conditions
This is the first thing you need to pay attention to. Before you get a loan at Sberbank, you need to carefully read all the conditions. So, a loan is issued for personal consumption in rubles. The minimum amount is 300,000, the maximum is one and a half million. Duration - from 3 months to 5 years. But there is one caveat. If a person applies to the bank with temporary registration, then a loan will be issued to him for such an amount of time that will not exceed its validity period. There is no commission for providing the service. And security is not required - this is also important to remember.
Secured by
Now you can talk in more detail about specific cases of loan issuance. And itās worth starting with loans issued with the guarantee of individuals. Judging by the reviews, it is easiest for people who are customers of the bank. That is, those who have a registered contribution or a salary card there. To get a loan, they only need to bring their passport. In addition, they can get a lower rate. So, is it profitable to get a loan from this bank? Judging objectively, itās not very. Looking at the example, you can understand why.
Suppose a man who receives a salary of 40,000 rubles per month on a Sberbank card wants to get a loan for a year. He has a wife with an income of 30,000 rubles / m, which is also taken into account. With such indicators, they can give him a loan amount of only 172,000 rubles. At a rate of 13.9% per annum. The monthly payment will be 15,435 rubles. And the total overpayment amount is 13,223 rubles. All this can be calculated and double-checked using a loan calculator.
And if you need a million for 2 years? Experts say that an application for such an amount will be approved if each spouse has a monthly income of 100,000 rubles. Then the payment will be 47 965 rubles, and the final overpayment - 151 175.
Customer requirements
Talking about how to get a loan at Sberbank, one cannot but note this topic. Judging by the reviews, standard requirements are presented to potential borrowers. They are tough only in relation to customer income. Since it is important for employees of a financial institution to know that a consumer is solvent and able to pay his debt. The minimum age is 18 years. Maximum - 75 (at the time of return). Work experience must be at least 6 months at the last place of employment. And the total is a year.
The reviews indicate that from the documents you will need an application form, a general passport with registration (temporary is allowed), and also papers confirming the clientās employment and his financial condition. The same set must be collected and co-borrower. After submitting documents, wait 2 days. After this period, the bank will notify the person of its decision.
Loan to the military
How to get a loan from Sberbank in this case is also worth noting. This financial institution has developed a special program for military personnel participating in the funded mortgage housing system (NIS). This type of loan is issued for any purpose. In their reviews, customers say: they take it in order to make an additional payment for the purchased property. And, by the way, there is an opportunity to increase the amount of the loan if you attract a guarantor. Without it, the maximum that can be obtained is 500,000 rubles. But if you attract an individual to the guarantee, the amount will increase to 1,000,000. And the rate will also be more profitable - 16.5% and 15.5% per annum, respectively.
So, for example, with an income of 70,000 rubles, you can get a loan for a year of 400,000 rubles. About 36 740 will have to be paid monthly as a repayment. With the same parameters, you can get the maximum million - but only for 3 years. However, the monthly payment will be 34,910 rubles, and the amount of the overpayment as a result - 256,784 rubles. How to apply for a loan at Sberbank to an NIS participant? To do this, you need to contact the department with a package of previously listed documents. You will also need a certificate attesting that the client has completed military service.
Unsecured loan secured by real estate
A few words about how to apply for a loan at Sberbank secured by real estate. So, the conditions: the rate is from 14% per annum, the maximum period is 20 years. Of the advantages in customer reviews, the following nuance is noted: a person does not need to confirm the intended use of the loan. The loan currency is Russian rubles. The minimum amount that a person can draw up is 500,000. The maximum loan amount cannot exceed 60% of the appraised value of the property that will be issued as collateral. And the amount of 10 million rubles. But there is no commission for issuing a loan.
What can be accepted as security for a loan? There are several options. You can lay a living room (house, apartment, town house), land, garage. All this takes Sberbank. An application for a cash loan, which can be executed even in any department of the organization, is considered from 2 to 8 days. You also need to know that this type of loan is not provided to people who are individual entrepreneurs, owners of a small enterprise, shareholders, employees holding any leadership position and even members of a farm.
Refinancing
Today it is a very popular financial product. Naturally, Sberbank also offers it. You can get a cash loan for refinancing by contacting any branch. But first, the benefits. A person who decides to refinance is given the opportunity to reduce the monthly payment on existing loans. He can also repay 5 credits at once. Moreover, those that were received by him in other banks. There is also the possibility of removing the burden from a car purchased on credit.
Judging by the reviews, Sberbank offers a simple scheme in which each person can understand their benefits. Let's say that in the first bank his monthly payment is 6,450 rubles. In the second - 11,457 rubles. In total, this is 17,907 rubles. If he draws up refinancing with Sberbank, then his payments will decrease to 16,830 per month. This is taking into account the debt repaid and payment for receiving funds for personal purposes in the amount of 135 000 rubles, which are also included in the refinancing service.
About clearance
In the case of refinancing, there are some nuances that need to be taken into account. The first is documents. Their package is more voluminous than in the case of a regular loan. In addition to the previously listed securities, you will need a certificate from the banks in which the person took loans. It must bear the seal of the company and the personal signature of the representative of the financial organization. As well as information about the loan - the date of conclusion of the contract and its number, the date of termination, the total loan amount and its currency, limit, interest rate, monthly payment amount and how much more a person has to pay.
How can I get a loan from Sberbank for refinancing? It is necessary to collect a package of the above documents, after which - come to the office at the place of registration. A refinancing loan can only be issued in the city in which the person is registered.
Loan to household managers
Sberbank has a special credit program created for people who own their own subsidiary plots. And part of the interest rate for them is subsidized by the state from budgetary funds. Many are interested in: is it possible to get a loan at Sberbank without information? Of course not, such a serious financial organization just does not give money.
In the case of this loan, in addition to the above documents, you will need to provide an extract from the household book, which will confirm the personās keeping of the subsidiary farm. It can be obtained at the administration of your locality. There is one more nuance. Often, this type of loan is applied for by men who are citizens of Ukraine, but who, together with their wife, are household owners in Russia. They can also get a loan, but only if their spouse has a Russian passport.
What else is worth knowing?
What information should be taken into account if you want to get a loan from Sberbank? The application (reviews confirm this fact) should be made at the place of residence. As noted by customers of a financial institution, in this case, the chance to get approval is higher. If there are āfinancial sinsā behind the consumerās soul, itās better to fix them. It's about bad credit history. Sberbank is the largest financial institution in the country. And, judging by the reviews, they trust their money only to people with good solvency.
How to proceed in order to get a loan at Sberbank? There are tips. True, they may seem strange. But the essence is as follows - you need to arrange a few short-term loans or loans, and then pay them without delay in payments. Many in this way make a positive credit history for themselves, which Sberbank employees always draw upon without fail. But the most important thing is to carefully familiarize yourself with the proposed rates and conditions so that you do not regret your choice later.