Sberbank of Russia is currently one of the most stable banks in the country. He survived with dignity the difficult years of the crisis, when financial institutions went bankrupt every day. What turned out to be disastrous for some allowed others to become stronger and develop stronger. Sberbank consumer loans are currently one of the most profitable programs. A huge number of citizens of our country enjoy them with pleasure.
Consumer credit programs have an extremely wide range of applications. Within their framework, the borrower can take the amount from 30 thousand to 10 million rubles for a period of 3 months. The terms,
interest rates and the size of the money supply directly depend on the number of documents and guarantees provided to the financial institution. Consumer
loans of Sberbank can be issued both with one passport, and with a guarantee and collateral.
Loan Procedure
To obtain a loan, you must provide the following set of securities to a financial institution:
- a valid passport of a citizen of the Russian Federation with compulsory registration in the immediate vicinity of one of the branches of Sberbank;
- the second official document confirming the authenticity of the borrower;
- Surety - allows to increase the maximum amount of issued money up to 3 million;
- mortgage facility - allows you to take Sberbank consumer loans in the amount of up to 10 million.
Guarantee
This is a special type of transfer of guarantees of a banking organization by a third party. It does not take a loan, but in case of violation of the payment regime, it takes full responsibility and resumes servicing the loan program. Sberbank consumer loans require a surety signature to receive amounts in excess of 1.5 million rubles. This option also allows you to significantly reduce the interest rate.
Collateral object
They call any value that becomes the property of the bank in case of violation of the contract. To date, the most popular collateral objects are real estate and vehicles. In the case when the car is the pledge, it can replace the guarantee, which will allow you to get a consumer loan. Sberbank, where the interest rate is most loyal, willingly provides loans to those who leave their car as a guarantee of payment. In some cases, the owner can even take the car with him, having previously insured it and installed a special GPS sensor.
For those who decided to get a consumer loan, Sberbank, the calculator of which can be found on the main site, will always provide all the necessary information on the points of the contract and the maintenance of the program. To do this, just visit the nearest branch of this financial institution or go to its official website on the Internet. You can get this type of loan for a period of 2 hours to 5 days, depending on the conditions of the program and the amount of money required.