Loan in Sberbank of Russia - documents and conditions for obtaining

At the beginning of the twenty-first century, a person is highly dependent on money, and this is due to a variety of reasons. Someone wants to live in comfort, having a luxury yacht and an apartment with a view of the Kremlin, other people are forced to seek money for teaching children, yet others want to start their own business, but they do not have seed capital. What does a person do to solve their money problems? Naturally, it takes them in a credit institution.

The Bank specializes in issuing loans and loans

For many, a loan in Sberbank is the only way out. Why does the choice in most cases fall precisely on this financial structure?

First of all, because it has an impeccable business reputation, which has been accumulated for many decades. Moreover, in the arsenal of the banking institution there are several attractive credit programs in terms of profit, and each can choose the most suitable option for himself.

Of course, a loan in Sberbank is a somewhat "dreary" procedure, since few people like to collect documents for receiving money. However, bankers in no way want to incur financial losses, so they make special demands on borrowers. Quite often there are situations when the most conscientious clients were refused money.

Currently, a loan in Sberbank for a large amount can not be processed without security measures, that is, a pledge agreement, which is, as a rule, securities and real estate.

Requirements

Surely many people know that any financial structure does not take money "to anyone." For example, a loan in Sberbank is issued to people who have Russian citizenship or are in the status of non-residents, but have received the official right to live and work in our country.

There are also age restrictions. On the loan can count individuals who turned 21 years old. At the same time, citizens over 60 are usually denied loans, but they have the opportunity to use a special lending program. Bank employees also always scrupulously study the work of the borrower. For example, you plan to issue loans in Sberbank. The terms of the loan stipulate that you must work at the same enterprise for at least six months. Remember this. Also, your total work experience for the past five years should be at least one year.

And, of course, in order to get a loan from Sberbank, the conditions for granting it in a number of cases are unprofitable for the client, it is necessary that a person has an impeccable credit history. If you suddenly find out that in the past you made out a loan in another financial institution and did not always make timely payments on account of its repayment, then do not be surprised when a Sberbank employee will refuse you.

Documentation

In order for you to get a loan without any delay, take care of collecting the documents that are necessary for its execution.

First of all, you will be required to prove your identity document (copy and original). Also, you will be required to provide a copy of the work book, which must be certified by the employer in advance. In addition, you must provide employees of the credit institution with a certificate of income (2-NDFL). Of course, you must have the appropriate salary level to make a loan in a bank.

It should be noted that in each lending program an individual list of necessary documents is provided, information on this can be found in Sberbank advertising materials.

Guarantors

At present, to minimize their financial losses, credit institutions actively use the institution of guarantee. However, there are certain nuances.

For those who are interested in the question of how to take a loan from Sberbank without guarantors, there is only one pleasant news: if it is an amount not exceeding 45,000 rubles, then no "guarantors" are needed.

In the event that a person expects to receive from 45,000 to 300,000 rubles, he must enlist the support of one surety. If the client needs up to 700 000 thousand rubles, he must bring two guarantors, well, and when he needs a larger amount of money - three people must act as guarantors of the financial solvency of the borrower. At the same time, your income level should not be lower than that of them. It should also be noted that a financial institution, issuing a loan in a large amount (from 300 000 rubles), will require the transfer of property as collateral.

In any case, a large loan in Sberbank without guarantors is more a myth than a reality.

How to weigh the pros and cons

Before making a decision to borrow money from the bank, you must carefully think through and make all the calculations. Having assumed credit obligations, you should remember that your earnings should be enough to pay the debt, which should be repaid on time. Otherwise, you can dig a deep debt hole for yourself.

So, you want to decide whether you need a loan from Sberbank. Calculate the "potential" of this idea, you can use a special calculator, which you can use on the official Internet portal of the Savings Bank. To use this tool, you will need to enter your residence address, specify the approximate amount of the loan and the period of its return.

Surely, many thought about how much it would cost a loan in Sberbank. Calculate today, you can any option for lending, whether it is a mortgage or consumer loan. If you are satisfied with the results of the calculation, do not delay the case and proceed to collect the documents specified in the loan program booklet.

The most relevant types of lending

Today, a huge number of people, including retirement age, make out a consumer loan with a low level of income. For the use of funds in rubles, the borrower is obliged to pay 19% per annum and 14% per annum in foreign currency. The term of the loan is 5 years.

Also, at the present time, many clients take out loans for urgent needs, since its conditions do not presume to search for guarantors and to register property as collateral. The rate is 21% in the ruble equivalent and 15% in foreign currency. The crediting period is 5 years.

Before drawing up a loan, carefully analyze all conditions for its provision in order to avoid paying fines, penalties and penalties in the future.