One of the most popular banking programs today is a loan from Sberbank in cash. An urgent loan can be obtained at any branch of this state financial organization. The amount of a consumer loan varies in a wide range: from 30 thousand to 10 million rubles, depending on the guarantees provided and a package of documents.
What is a consumer loan?
This type of lending involves obtaining funds to meet certain customer needs. Usually it is represented by a large number of different programs. According to common signs, a cash loan at Sberbank can be attributed to one of two categories:
- Target - when finances are allocated by a banking organization to achieve a specific goal specified in the contract. This can be a major overhaul, getting an education or medical care, a trip on vacation and so on. When such a loan is issued at Sberbank, it is not always possible to receive it in cash . The fact is that the bank has the right to control the spending of allocated money and to monitor for what purpose it was started. Under the contract, he can immediately transfer funds to the account of the end company providing the paid service: to a polyclinic, college, university, construction company or hotel, where the client will spend his vacation.
- Non-target - when a loan in Sberbank in cash is simply issued to the borrower. After that, the bank requires only timely payments to service the program. The interest on it is slightly higher than on the target loan, however, the borrower is free to manage the funds received and spend them as he wishes.
Getting milder conditions
In order to reduce the overall interest rate on a loan being issued and to obtain a more favorable loan in Sberbank in cash, the most comprehensive package of documents and guarantees should be provided to a financial institution, which includes:
- passport of a citizen of Russia;
- a second official document that can confirm the identity of the borrower;
- certificate of employment indicating the experience;
- certificate of income for the last 6 months;
- surety;
- collateral object.
Sberbank - application for cash loan
The execution of the contract at any bank begins with the submission of certain documents. First of all, you need to fill out a special application in which you can indicate the purpose of the loan and the attached documents. You can get the corresponding form both in the nearest branch of this state credit organization, and on their main website on the Internet. After filling out the paper should be sent to the bank manager for consideration and wait for the verdict. In the case of an online application, the answer will be received within a few hours over the phone. To complete the operation, the borrower will be asked to come to the bank, where after a short interview and examination of the original documents, he will be asked to sign an agreement. It is worth remembering that even after initial approval, the bank may refuse to issue funds after studying the submitted securities. Therefore, to get a loan you need to carefully fill out an application and have a good credit history.