Topic loan for individuals c. Credits. Requirements for borrowers

Standard conditions, possible term: 13 - 60 months

Salary client, possible term: 13 - 84 months

If the insurance policy is terminated after the loan is issued, the interest rate on the loan will increase by 6% per annum

* The rate depends on the loan amount

Terms of consumer credit

Requirements for the borrower

• Citizenship of the Russian Federation
• Permanent registration in the region of presence of one of the bank's divisions

Required documents for a cash loan

• Passport of a citizen of the Russian Federation
• Income document* (for 12 months):
  • certificate in form 2-NDFL
  • bank statement
  • certificate on the form of the employing organization
  • salary account statement or certificate of operations on a salary account opened, including in another bank
  • certificate of the amount of pension (for working pensioners)
  • tax declaration for persons engaged in private practice in accordance with the legislation of the Russian Federation
• Income from 15 000 ₽ per month
• With a loan amount of 400,000 rubles or more, if the income is confirmed by a document other than a certificate in the form 2-NDFL, a copy of the work book certified by the employer is additionally provided**

The guarantor provides similar documents. If the client's spouse is registered as a Guarantor or if the total income of the spouses is taken into account, a marriage certificate is additionally provided. In the case of registration of the vehicle as a pledge, the following is additionally provided: the original title at the time of applying for a loan to an individual and the current insurance contract "Autocasco" when applying for a cash loan. If the client's spouse is the owner of the vehicle being pledged, the spouse's passport and marriage certificate are additionally provided.

The bank has the right to request additional documents for obtaining a consumer loan.

* The type of document depends on the area of ​​work of the client. For more detailed information, please contact the bank branches or call the bank's contact center at 8 800 200 54 34.

** For military personnel and employees of the internal affairs bodies, it is possible to provide a certificate from the military unit / internal affairs bodies on service with an indication of the rank. For military personnel, it is possible to provide a service contract and an officer's identity card or an extract from the military service record.

Profitable consumer credit in 2017 in a short time will help to purchase the necessary thing or equipment, go on a long-awaited vacation or make modern renovation in the apartment. Many borrowers are attracted by the lack of need to accumulate money over a long period of time. At the same time, some Russians are wary of applying to credit organizations because of the difficult financial situation in the country. For this reason, among the huge number of banking offers, it is recommended to choose the most profitable consumer loan from a reliable bank. This article will help you to understand in detail the methods of comparing loans, identify banks that guarantee honesty and reliability, and also study the conditions for granting a loan in some financial institutions.

Which bank is better to take a consumer loan in 2017

Each financial institution sets its own conditions and requirements for borrowers when lending money. Before considering specific credit programs, it is recommended to identify those financial institutions that can satisfy all the requirements of the borrower and guarantee honesty and integrity in relation to customers.

You can choose a bank for registration in 2017 according to the ratings of influential and well-known publications, as well as customer reviews. According to the Central Bank of Russia, the most reliable banks in the country that have earned the trust of citizens in 2016 are:

In addition to the reliability of the bank, no less important for the client is the list of the main ones that differ in different financial institutions:

• age range;
• the presence of a permanent residence permit and residence in the region where the bank branch is located;
• work experience;
• no criminal record;
• permanent place of work;
• amount of monthly income;
• the presence of property owned by the borrower;
• family ties.

In the process of choosing a suitable credit institution, some additional factors are also taken into account:

• the presence of an office in the locality where the borrower lives;
• convenience of loan repayment through and online services;
• provision of the “credit holiday” service in case of unforeseen financial difficulties.

Having identified a couple of the most attractive credit organizations, the client chooses several of the most profitable consumer lending programs and applies to financial institutions:

• by submitting an application at the office;
• by sending an application through the website of a credit institution in online mode;
• calling on the phone.

By comparing the conditions for granting loans in different banks, it is possible to identify several of the most attractive programs and apply for their execution, having previously calculated the loan amount, taking into account interest rate And .

To determine the principal amounts on the loan that the borrower is obliged to repay, financial institutions offer to use a loan calculator. This is a special online program, designed to calculate the main parameters of the loan under specified conditions.

They are online on the websites of financial organizations with pre-set parameters set by the lender. The borrower can only choose the term and amount of the loan and click the "Calculate" button.

How to increase bank loyalty in order to get better loan conditions

To obtain the best loan conditions, the borrower must meet the basic requirements of the bank. It is at the stage of filling out the application form that the client provides basic data, on the basis of which the bank decides to provide the maximum allowable amount at a certain percentage. The loyalty of the bank to the client is influenced by the following data:

• working capacity and age on average from 21 to 60 years;
• official employment;
• no criminal record;
• work experience more than 6 months. at the last place of work;
• citizenship of the Russian Federation and registration in the region where the bank branch is located;
• higher education;
• positive history of credit payments;
• availability, which is served by a credit institution.

It is the compliance with these conditions that will serve as a reason for the bank's confidence and obtaining a consumer loan in 2017 with the lowest interest rate and the maximum amount. The presence of collateral in the form of real estate collateral or guarantors can significantly increase the size of the loan.

Which is better credit card or personal loan?

The borrower has the opportunity to obtain a loan in several ways:

• in cash at the branch;
• to a bank card;
• issue with a limit that can be renewed many times.

A credit card, like a consumer loan, has its advantages and disadvantages. To compare these two loan products, their main differences are considered:

1. Target. As a rule, when applying for a consumer loan, the borrower notifies the bank of the purposes for which the funds will be spent. When applying for a credit card, this item is omitted, since the client can spend money on it at his own discretion.
2. Decor. The duration of a consumer loan is an order of magnitude longer than a credit card.
3. Documentation. To apply for a loan, the client collects a package required documents, while to get a simple credit card you will need a Russian passport and TIN.
4. . This is one of the advantages of a credit card, which allows the borrower to repay the debt without overpayment for a certain period of 45 to 100 days.
5. Interest rate. In most cases, the interest rate of a consumer loan is less than that of a credit card.
6. Maximum amount. Credit cards tend to have a larger credit limit compared to a personal loan.

It is impossible to say unequivocally which of the loan products is the best. It all depends on the needs of the client.

Data update - February 2016

When deciding to take a loan, many borrowers first of all consider the offers of Sberbank. This is natural: there are favorable rates and convenient service conditions. In the article we will tell you what types of loans are available for individuals in Sberbank, what are their advantages and limitations.

Requirements for borrowers

Sberbank, like all commercial financial institutions, is interested in relationships with solvent customers. At the stage of accepting applications, the bank's specialists evaluate the borrower's rating, preventing the risks of defaults and delays.

So, who will approve an application for a loan at Sberbank?

The main requirements for borrowers are:

• Citizens of the Russian Federation aged 21 and up to 75 years at the time of loan repayment;
• Permanent employment relationship and proven income. The amount of family income should be enough to pay for daily needs and service the loan;
• Having a positive credit rating, no lawsuits.

Here are the standard requirements of the bank, but the applications of borrowers are considered individually. Therefore, in each specific case of lending, there may be certain conditions regarding securing a loan, attracting co-borrowers or guarantors, providing additional information or guarantees.

Loan products

The bank offers a line of loan products that meet the various needs of customers. Here you can get a credit card, get a mortgage, take money on a consumer loan. Let us consider in more detail the types of loans for individuals in Sberbank, and the conditions in force in 2017.

Consumer loans

The most popular type of lending among the population is. This term refers to non-targeted cash loans. Depending on the amount, term and other parameters, the bank issues money with or without collateral.

Here are the main conditions for Sberbank consumer loans in 2017:

• No collateral. Money is issued for any purpose, no collateral and a report on the amounts spent are required. Under the terms of this loan, you can get up to 3 million rubles for a period of up to 5 years. The minimum tariff will be 14.9% per annum, there are benefits for payroll card holders. For approval of the application, the borrower must submit proof of their income and a complete package of documents;

• Under the guarantee of individuals. Under this type of loan, bank customers can borrow 5 million rubles for 5 years at a rate of 13.9% per annum. To obtain a loan, you need the guarantee of one or two persons with a stable confirmed income. Holders of salary cards can submit only two documents to the bank for consideration of the application. The loan is issued in cash or by transfer to the card. Repayment is made in equal installments;

• Non-targeted loan secured by real estate. This type of loan makes it possible to obtain a large amount for a long period. Terms maximum size loans will amount to 10 million rubles. The amount will be limited by the value of collateral real estate: a loan is issued in the amount of up to 60% of the price of the object. The period of use of money is up to 20 years. Any object owned by the borrower can be pledged as collateral: an apartment, a house, a garage, a cottage or a land plot. The borrower's spouse acts as a co-borrower if their income was taken into account to determine the maximum loan amount. The collateral is subject to compulsory insurance. Life and health insurance of the borrower is carried out on a voluntary basis. Restrictions: this species the loan is not issued to business owners, members of the peasant farm;

• Loan to military personnel - participants of the NIS. A special offer of the bank for military personnel participating in the NIS and being mortgage borrowers of Sberbank: a consumer loan for up to 5 years. There are two options to choose from: a loan without collateral in the amount of 500,000 rubles or with the involvement of guarantors in the amount of 1,000,000 rubles. The rate will be 13.5% for a secured loan or 14.5% for an unsecured loan. Money is provided for any purpose. As a rule, borrowers use them to pay extra for purchased housing, or to repair and equip a new apartment. The bank does not require a report on spending the amount;

• Loan to owners of private farms. Persons working in personal subsidiary farms can receive up to 1.5 million rubles at a rate of 17.0% per annum for a period of up to 5 years. Mandatory conditions: the borrower must be the owner (owner) of the subsidiary farm and provide a guarantee of individuals. In addition to an application, a passport and a certificate of income, you must submit an extract from the book on accounting for subsidiary plots to the bank.

Mortgage

Mortgage loans are issued secured by real estate. Sberbank offers several mortgage options, both for the purchase and construction of housing. Consider what conditions apply in 2017:

• New buildings. The bank's partners are large developers, and it is not surprising that there are the most favorable mortgage offers for apartments in new buildings. A loan can be issued for a period of up to 30 years, at a rate of 10.9% per annum. A down payment of 20% of the purchase amount is required. In addition to the standard offer, there are promotions from developers with rates from 8.9% per annum. A prerequisite is the insurance of the purchased apartment;

• Finished housing. Loans for the purchase of secondary fund housing in Sberbank today can be issued for up to 30 years, with 20% of your own funds for the first installment. The minimum loan amount will be 300 thousand rubles, the base rate is from 11.25% per annum. Interest may be higher if the borrower does not have a bank payroll card and a life and health insurance policy;

• military mortgage. Sberbank lends to military personnel to purchase ready-made and housing under construction as part of state program. The loan amount is 2.22 million rubles, at a rate of 10.9% per annum. The maximum loan term is 20 years, but in each case it is set personally and cannot exceed the 45th anniversary of the borrower;

• Mortgage with maternity capital. It is worth noting that almost all mortgage loans in Sberbank can be issued using a parent certificate. Families with two or more children often use this right when solving their housing problem. The program is available to all categories of borrowers, including state employees, military personnel, and young families. Standard loan terms: down payment from 20% of the property value, rates from 13% per annum, period up to 30 years. Special requirements: the acquired property must be registered as a common shared property for all family members;

• Vacation home. Few banks today lend to construction and acquisition projects. country houses. In Sberbank, you can apply for such a loan, receive targeted money for the construction or purchase of a summer house, or the acquisition of a land plot. The first installment will be 25% of the amount, the rate is 11.75%, the minimum loan amount is 300 thousand rubles. It is allowed to attract three co-borrowers in order to increase the loan amount. Spouses of borrowers act as co-borrowers without fail, regardless of age;

• Credit cards. Sberbank credit cards deserve special attention. In addition to ease of use, ease of design, their advantage for customers is excellent service and support. Sberbank offers cardholders the best mobile apps and online banking. You can use the card account from anywhere, without time limits. In the line of credit cards there are classic and premium options. Lending limits are set for each client personally, the maximum amount can be 3 million rubles. Tariffs range from 21.9% per annum. To obtain a card, it is enough to submit an application to a bank branch. The bank will issue payroll card holders promptly, according to two documents. The list of credit cards is presented on the website.

Refinancing

When discussing the types of loans at Sberbank, one cannot get around the topic of refinancing. This tool should be used in a number of cases, for example, to reduce the monthly fee or the convenience of servicing several loans.

The bank offers refinancing of loans received from third-party banks: you can take up to 3 million rubles at 13.9% per annum, without collateral. Many borrowers will benefit by repaying more expensive loans and moving their loan portfolio to one bank.

Mortgage loans can also be refinanced: in 2017, Sberbank offers such a service, issuing money for up to 30 years with a base rate of 10.9% per annum. This loan option is secured and requires insurance of the property.

Credit is a financial instrument, and you need to use it skillfully. Types of Sberbank loans satisfy any purpose and are available to borrowers with a stable credit rating. We recommend selecting loans, focusing on your goals, evaluating your financial situation in the future. After all, in addition to the benefits of shopping, you can get losses if you do not repay the loan on time.

It is unlikely that there will be at least one adult who has never visited the office of Sberbank. After all, in the list of its services you can find all banking products without exception. This article will tell you about current offers in the field of lending.

Types and conditions for issuing loans at Sberbank

Sberbank: consumer loans individuals

	from 15 thousand rubles (regions) / 45 thousand rubles (Moscow) up to 1.5 million rubles.	17.5 - 23.5 for clients with salary cards and pensioners-recipients of pensions in Sberbank 22.5 - 29.5 for other clients	from 3 to 60 months
	from 15 thousand rubles (regions) / 45 thousand rubles (Moscow) up to 3 million rubles.	16.5 - 22.5 for clients with salary cards and pensioners receiving pensions at Sberbank 21.5 - 28.5 for other clients	from 3 to 60 months
	from 500 thousand rubles up to 10 million rubles	15,5 - 16,25	up to 20 years
	from 15 thousand rubles (regions) / 45,000 rubles (Moscow) up to 500,000 rubles. (without guarantee) / 1 million rubles (with guarantee)	19.5 without guarantee 18.5 with a guarantee	from 3 to 60 months
	from 15 thousand rubles up to 700 thousand rubles	24,5	from 3 to 60 months

Sberbank: mortgage loans to individuals

Name of the lending program
	from 300 thousand rubles up to 80% of the cost of real estate	from 13 - under the action for Young families from 13.5 - with proof of income from 14 - without proof of income	up to 30 years	from 20% (15% for promotions for young families)
	from 300 thousand rubles up to 80% of the cost of real estate	from 11.09 - according to the program with the state. support from 13.5 with proof of income from 14 without proof of income	up to 30 years	from 20%
	from 300 thousand rubles up to 70% of property value	from 14	up to 30 years	from 30%
	from 300 thousand rubles up to 70% of construction cost	from 13.5	up to 30 years	from 30%
	up to 1.9 million rubles up to 80% of the property value	12,5	up to 15 years	-
	up to 1.9 million rubles up to 80% of the property value	12,5	up to 15 years	-

Sberbank loans to individuals holding salary cards

For clients receiving wages on cards, Sberbank is ready to make the following concessions:

• Reduce your interest rate compared to third-party clients.
• Simplify the procedure for applying for a loan without requiring proof of income.
• To shorten the term for making a decision on the possibility of lending as much as possible.
• Issue a loan at any office of Sberbank, and not only in the city where the registration is issued.
• Consider a loan application sent through Sberbank Online.

The same benefits can be used to apply for a loan at Sberbank by individuals pensioners.

Documents for a loan at Sberbank to individuals

Documents required for obtaining a consumer loan

					Loan to individuals leading household plots
Application-questionnaire of the borrower	+	+	+	+	+
Borrower's passport	+	+	+	+	+
Income verification	+	+	+	+	+
Pledge documents			+		+
Extract from the household book on the accounting of household plots					+

Documents required for obtaining a mortgage loan

	+	+	+
		+
	+	+	+

According to statistics, in 2020, 50% of families have an outstanding loan. Due to the large number of offers for individuals, such banking products have become available. Today it is easy to find an offer that would fully meet the requirements of the borrower. Banks of Russia, in an effort to attract more potential customers, are developing preferential terms.

If you are looking for where to get a loan, then this site is perfect. With its help, people will find offers who:

• want to get money quickly for consumer needs;
• do not have a formal job;
• looking for low interest rates;
• trust banks with a high level of reliability.

Using the site, apply for a cash loan without certificates from the largest holdings like Sberbank, VTB Bank, Gazprombank, Alfa-Bank, Rosselkhozbank.

How and where to get a loan?

Choose the best offer. Many banks offer online loan applications. It speeds up the consideration of the proposal, allows you to get a positive response from several institutions.

When a response is received on an application for a loan, it remains to come to the nearest branch to provide the original documents. You can immediately go to the official page of the bank to see what conditions the borrower must meet.

The required amount can be issued in cash or with a transfer to a card. Choose the option by which it will be convenient for you to repay the debt.

Pros and cons of cash loans

Getting a cash loan is easier because the application is processed quickly. In rare cases, this may take up to 7 days. The advantages include:

• the possibility of using funds without providing a report on the purpose of use;
• a small list of documents provided;
• no requirement for collateral and without guarantors.

Disadvantages - a small credit limit and a more substantial interest rate.

Ways to apply for a loan: online or in a bank

A cash loan is issued when applying online. The form is completed within 10-15 minutes. The more complete the information is, the more likely it is to get approved. You can write and send it at any time of the day.

At the bank, the application is filled out in paper form. You can immediately get advice from a credit manager who will help you choose the most suitable program. But not everyone can afford to visit a financial institution during working hours.

How to choose the right loan?

Getting a loan is easier if you use it. On the website, you can specify the term and the required amount, additional conditions. Automatically, proposals that meet the requirements will be issued. Users will see:

• maximum limits;
• interest rates;
• terms.

Best Loan Offers

It is easy to take a consumer loan at a rate of 5.5%. Better conditions offered for permanent or payroll clients, people with a positive credit history, when providing a certificate of income. There are proposals under the refinancing program that allow you to combine several loans at once.

Current trends in loan rates

Bank loans are offered at rates that are lower than they were in previous years. Large institutions are reducing rates, which causes some excitement among customers. The emphasis is on issuing larger sums. In many banks, the interest is not affected by the requirement for life insurance, there are no additional commissions.

Various lending programs help borrowers in a variety of life situations. To solve a financial problem, you need to take a cash loan by contacting one of the banks in Moscow. On the federal portal Vyberu.ru you will find a list of credit institutions where you can get a loan in Moscow. At the moment, there is information about 178 banks providing such services. The total number of programs collected on the site reaches 791.

Bank loans in Moscow differ in terms and requirements for the borrower, so you should carefully study all offers and carefully read the terms of the agreement. The Vyberu.ru website will help you find out all the points of any program and compare suitable options according to a number of defining parameters. After that, you will be able to make an informed decision about which loan (for example, consumer) to take and which bank in Moscow to apply for. Submit your application without leaving your home.

How to use a loan calculator?

Enter the amount, repayment period and rate into the loan calculator - you will immediately receive a payment schedule and the total cost of the loan product.

How to apply?

If you are planning to take out a loan that you are interested in, find out the bank's decision online. To do this, click "Apply" in the tab of the product you need.

The online application form will require you to provide the following information:

• name of the borrower;
• contact phone and email;
• employment of a permanent income;
• monthly income level.

Also choose how you plan to receive money: to an account, card or cash. The bank manager will tell you the answer. If the decision is positive, agree on the time of the visit to the office and the list of documents that will be required to apply for and take out a loan.

How to find a good loan?

Compare the interest rate level and other program conditions of different organizations to choose the best option target or consumer loan. With the help of our portal service, you can determine a profitable program quickly and effortlessly. Use the filter system and set the amount, currency and loan repayment period you need. Click "Select a loan" so that only those offers that match your request remain on the page.

You can choose to sort banking products according to the following criteria:

• loan amount;
• interest rate;
• the name of the financial institution.

Use the quick search buttons to sort loans by specific criteria: need for collateral, eligibility for targeted or personal loans, cash, programs for clients with bad credit history.

In addition, you can rank banks by their reliability - select the top 10, 20, 50 or 100 financial institutions tab. To see all filters, click "Loan Terms".