The most popular among banks issued consumer loans on favorable terms is Selkhozbank. Among the positive aspects, it is possible to highlight that Selkhozbank offers a loan at reduced interest rates and with the absence of any commission for issuing cash. When confirming the purpose of lending, Selkhozbank reduces the interest rate, but this is far from all the privileges this bank is capable of.
Major lending programs
Future customers can choose loans from Selkhozbank to individuals with and without guarantee. To choose the most suitable program, they must be studied separately. The main advantages of unsecured consumer lending include:
- no commission charged;
- thanks to differentiated loan payments, the overpayment is minimal;
- the loan can be repaid at any time;
- confirmation of the borrower's income is carried out in the form of a bank;
- lending goals can be any.
After contacting Selkhozbank, a loan is granted on certain conditions:
- borrower age - at least 21 years old;
- loan term - three years;
- the maximum loan amount does not exceed 750,000 rubles and is determined based on the personal financial capabilities of each client individually;
- 22% per annum.
As for the loan with a guarantor, the benefits remain the same, just adding the opportunity to attract a co-borrower. It is equally important to disassemble lending goals, the confirmation of which can reduce the interest rate by one percent.
Loan objectives
Selkhozbank issues a loan for the following purposes, with a subsequent reduction in interest:
- car purchase:
- implementation of repairs;
- treatment;
- purchase of expensive and necessary medicines.
How to deal with how much you overpay? You can calculate a loan at Selkhozbank at a bank branch or on the official website using a loan calculator. It is enough to fill in the necessary columns so that the system gives out the amount of overpayment, monthly payments and so on. Such a service helps a future borrower to quickly determine the type of loan, amount and terms. In advance, uninformed borrowers are greatly lost when they are offered various forms of lending, and because of this, problems with timely repayments may occur.
Guarantor conditions
Selkhozbank issues a loan with one guarantor with a loan amount of up to 300,000 rubles. If a large amount is required, then the number of guarantors increases to two. Movable and immovable property may act as a pledge. To apply for a loan, you need a passport, a completed application - application form, income statement for the last six months. On an individual basis, the bank may always require the provision of additional documents. You just need to be prepared for this. When filling out the questionnaire, it is necessary to indicate only reliable information, which will then be checked by security officers, which directly affects the bank's decision-making.