Conditions of credit in the Savings Bank for pensioners. Interest rate, age limit

Sberbank of Russia for today is the most reliable and universal bank of our country, the trust to which is confirmed by years and millions of satisfied customers. A variety of credit programs, money transfers, quick payments and other high-quality services provided by Sberbank are highly valued by Russian citizens.

One of its main features is the social orientation of credit and financial products. In particular, I would like to note that Sberbank gives credit to retirees. And he identifies them in a separate social group, because their income, although stable, but in most cases small. It is in connection with this circumstance that loan conditions in Sberbank for pensioners are preferential. And the pensioner at the time of registration of the loan can work, and maybe unemployed.

Preferential terms

The loan conditions in the Savings Bank for pensioners provide for special privileges for persons who receive a pension to an account with this bank:

· Reduced interest rates on any loan product;

· Presentation of only one document (passport) when making a loan;

· The loan application is considered as soon as possible (the decision will be known within 2 hours);

· A pensioner can come with an application to any branch of Sberbank, which issues loans (quite independently of the place of his registration);

· There is an alternative to the way money is received: whether they will be issued in cash or transferred to the borrower's card.

Types of loans

In addition, that Sberbank lends to individuals, among them it also allocates a separate category - pensioners. Types of credit products for people of retirement age are quite diverse, but the bank is very strict about their approval, understanding that this category of citizens implies a high risk of non-payment of funds. Therefore, Sberbank issues loans to pensioners only if the borrower's credit history is impeccable. Borrowings for pensioners Sberbank divides into several categories:

· Consumer;

· Target;

· credit cards.

Borrowed funds may not have security, but may be provided under the guarantee of another individual.

Consumer credit without collateral

This loan is characterized by the simplest processing of the application. A pensioner will need only a passport, an application and a certificate of income (salary and / or pension).

Due to the fact that this loan does not provide for security in the form of any real estate, or in the form of guarantees of third parties, the amount is relatively small. The minimum amount is 15,000 rubles (for Moscow consumers of banking services - 45,000), and the maximum credit limit is 1,500,000 rubles.

Provides Sberbank loan for retirees, the interest rate for which is determined depending on the loan period:

· A loan issued for a period of up to 2 years will be subject to a minimum of 17% per annum;

· To borrow money from the bank for five years will cost the pensioner 18.5% per year and more.

Citizens who prefer to borrow in foreign currency will enjoy more favorable conditions. Thus, the interest rate for a two-year loan will be 14% per annum and higher, and for a five-year loan - from 15.5% per annum.

The borrower's age limit

Since Sberbank issues these loans to individuals whose age is pension, it is logical to note that at the time of applying, the borrower must already have a pension, and he must be no older than 65 years. In addition, it is important that at the time of execution of loan obligations the borrower was under 75 years of age.

Employees of the bank consider the submitted application within two working days, and it can be issued within a month from the moment of receiving a positive response. Repayment occurs in equal monthly installments. Early repayment will not require any additional commissions from the borrower. Sberbank does not establish a minimum portion of the early partial payment, nor a minimum term of early repayment of the loan in full. Penalty for late payment is standard and is 0.5% of the monthly payment. It is added to the debt in this amount every day.

Loan against surety

The loan conditions in the Savings Bank for pensioners provide for the possibility of borrowing large sums of money, only for this it will be necessary to attract guarantors without fail. The presence of individuals raising the money-back guarantee automatically increases the credit ceiling to 3 million rubles. The process of obtaining and servicing a loan is identical to the usual consumer option. The repayment period varies from 3 months to 5 years. The main advantages of this type of lending are attractive interest rates and the absence of commissions on payments.

Pensioners serving in the Savings Bank can get a consumer loan under the guarantee of individuals with a rate of 16.5% per annum, and those who want to take money in dollars or euros will receive even greater benefits. For them, the annual percentage will be at least 13.5%.

Sberbank issues a loan to retirees, whose age at the time of the expiration of the contract will not exceed the threshold of 75 years.

Credit cards

Favorable tariffs for servicing credit cards with a large amount of the limit are available to pensioners who are participants in salary or pension projects of Sberbank. Also, this product can get borrowers with a positive credit history and customers who have a debit card. In such cases, the credit card is offered to the client pre-approved. And the application for it is considered by the manager of the Savings Bank in the shortest possible time, he immediately informs and the available limit on it. It is enough for a pensioner to show a passport with Russian citizenship and registration. The annual interest rate on the credit card will vary from 18.9% to 24% per annum, and the maximum amount can reach 600,000 rubles.

Auto Loan

Bank loans for pensioners can be provided for the purchase of a car, both new and used. If the car of domestic or Chinese manufacture was already in use, then its age should not be older than 5 years, and if the foreign car is produced in another country, then it should be produced no more than 10 years ago.

Commission for a car loan, Sberbank does not provide. You can not provide proof of income if you make an initial payment of 30% of the loan amount for a car you like. You can also provide the bank with any of its property as collateral.

To buy a car is ready to give Sberbank a loan to pensioners, the percentage of which will vary from 13.5 to 15% at the minimum rate, depending on the term of the loan. A preferential interest is also charged for using a loan in foreign currency: a loan of up to 1 year, up to 3 years and up to 5 is levied 10.5%, 11.5% and 12% respectively. These prices are valid for pensioners serving in Sberbank as pension recipients, and other clients will receive a loan with a rate of 1% more.

As a loan, you can get up to 5 million rubles, and the smallest amount - 45,000 rubles. Once the bank has approved the application, the countdown begins to select the loan object, which lasts 90 days.

Mortgage credit lending

For the purchase of housing can be found quite acceptable loan conditions in the Savings Bank for pensioners. This participant of the financial and credit market offers elderly clients three programs of housing loans:

• Purchase of finished housing;
• Acquisition of the object under construction;
• Building a house on its own.

Provides Sberbank loan for retirees, the interest rate for which is one percent lower than the standard annual interest on the mortgage.

Acquiring ready-made or under construction housing, persons of retirement age are entitled to take a loan in the amount of 45 thousand rubles. The minimum down payment in this case is 15% of the price of the house. The maximum term of the housing loan is 30 years. With an initial payment of half the cost of an apartment, the borrower can make the loan more profitable, that is, the interest rate on it will drop to 12% per year.

Advantages of a pension loan in Sberbank

These offers in the modern credit market are the most attractive and beneficial, and among all banks in Russia. Servicing in the Savings Bank for pensioners means the following advantages:

· Loan conditions for pensioners differ in their benefits;

· The loan can be repaid ahead of time without any additional payments;

• only highly qualified specialists serve the retired;

· Hot line works around the clock; By calling on her, you can find out the exhaustive answers to all the questions of interest to the client;

· A borrower of retirement age in Sberbank can become a participant in a bonus program or a special share that profitably affects the status of credit debt;

· Registration of loans in this bank is distinguished by transparency and a clear statement of all the clauses of the contract;

· A variety of ways to pay off a pension loan: cash payment at a bank branch, transfer from a plastic card, money transfer through the "Golden Crown" or "Contact" system, crediting money to a credit account from an electronic wallet.