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Loan at minimum interest: where to apply?

To cooperate with the bank was beneficial, it is necessary to familiarize yourself with the programs of banks. A loan with a minimum interest will be the best choice, because then you do not have to overpay. Now several banks offer similar conditions, you just need to choose the right ones. It is most profitable to contact Sberbank, but usually customers need to collect various documents, as well as undergo a lengthy procedure for processing.

Where to turn?

In Russia, there are many banks that offer their terms. But not all of them are beneficial for people. The programs differ in terms of registration of the contract, amounts, rates. A minimum interest loan must be issued in a trusted bank. Their list includes:

  1. Sovcombank.
  2. "Renaissance Credit".
  3. "Home Credit".
  4. Sberbank.
  5. Citibank.

Each company offers an individual approach. Salary clients have the right to receive favorable terms of cooperation. You can apply to a bank that has just opened in the region. Such institutions attract customers with profitable programs, so getting a loan at a minimum interest will be real.

Often, under a small percentage of hidden great fines, additional costs, insurance. It is necessary to use the services of those banks that do not hide overpayments. Honesty in this matter is very important.

How to get the minimum interest?

To get a loan with a minimum interest, you need to choose the right program. To design a consumer loan, you need:

  • Have a high salary;
  • Provide a security deposit;
  • Be the owner of a good credit history;
  • Attract guarantors.

Thanks to this, you can quickly pass all the checks, having received a positive response. Such customers are offered favorable conditions. Long decoration reduces the rate. Loans for 2 documents that are issued for 1 day, have a high percentage. Banks take into account the place of work and experience, the composition of the family. It is necessary to carefully fill out the questionnaire, not missing any important point.

Minimum percentage

You can meet the proposals, which are subject to a rate of 10% for consumer loans. The minimum percentage can be higher. The rate is about 15-20%. A figure above 20% is not considered a profitable proposal.

In each region, rates differ. Therefore, it is necessary to familiarize yourself with the proposals of several banks by selecting the appropriate one. You should not look for an unrealistically profitable program, because financial organizations will not work at a loss. It is undesirable to use credit intermediaries, since many of them take interest.

Target loans

A non-targeted loan with a minimum interest in Moscow is more expensive than a targeted loan. The borrower, who does not have specific plans, poses a risk to the bank. If you need funds to buy a car, education or a vacation trip, then you should choose the target program.

There is an opportunity to apply for a loan for treatment or a wedding. Such programs will save 3-5% per annum. If you need to get a large amount, then this benefit will be noticeable. For targeted programs, additional documentation is needed, as well as confirmation that the funds are being used for the intended purpose.

Types of loans in Sberbank

Savings on loans are profitable in Sberbank. The organization offers several types of loans:

  1. Consumer. It is provided for everyday needs. The maximum period is 25 years.
  2. Housing. With its help you will be able to buy property in a new building or to build your own house. Payment period - up to 30 years.
  3. Automotive. Loans are issued for the purchase of a personal car. Loan term - up to 5 years.

Each of these services has its own design features. More information about them can be found on the website or in the office of the bank. Making any loan involves signing a contract, which contains the terms of cooperation.

Getting a consumer loan

In Sberbank, you can get a loan to pensioners at a minimum interest. Loans for security and surety are issued. The maximum amount is 1.5 million rubles. The payment period is within 3 months - 5 years. To obtain funds without third-party security, you need to prepare some documents:

  • statement;
  • passport;
  • Confirmation of temporary registration;
  • Employment and income.

If you need a large amount, you need to invite guarantors. With this circumstance, you can get up to 3 million rubles. The decision is made by the bank within 1-10 days. In Sberbank, interest on loans can be low if there is a collateral in the form of real estate. Then a large amount is given.

Nuances of the service

If a person is not a regular customer of the Savings Bank, then the rate will be about 19-20%. When making a loan in foreign currency, overpayment will be 15%. The minimum loan amount in Sberbank is 15 thousand rubles, and the maximum amount - 750 thousand rubles. If security is available, the amounts are doubled. The crediting period is equal to 5 years.

Favorable conditions are granted to regular customers. The rate will be lower by 8-10%. And the minimum and maximum amount will be at the same level. It turns out that overpayment will be small.

Insurance

The service is beneficial for banks that are afraid of death or loss of client's legal capacity. Usually the amount of payments is similar to the debt, but it can not be higher than 3 million rubles. The rate will be about 2-3%, but for each client it is set individually.

Insurance is not compulsory. If the bank is assured that the execution of the contract influences the decision, then it should not be believed. Even if insurance is not chosen, the continuation of the transaction will not change.

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