Sberbank is one of the largest financial institutions in Russia. It provides services to both individuals and legal entities. Sberbank banking products delight with its variety. Everyone can borrow money or keep their savings in a deposit account. Reliability and favorable conditions attract customers from all over the country.
Loans for any purpose
If we consider the banking products and services of Sberbank, we can see that unsecured loans remain the most popular. Any adult citizen of the Russian Federation can enter into an agreement with a financial institution. The maximum loan amount cannot exceed 3 million rubles. The contract can be concluded for 5 years. The rate is 14.9% per annum. The faster the client repays the debt to the bank, the lower the overpayment. The main condition for granting a loan is official employment.
A client can obtain more favorable credit conditions if he has registered a property that he can offer as a pledge. The maximum amount under the contract is 10 million rubles, and the rate is 12% per annum. The loan term is also increasing. A client can borrow money for 20 years. Such a banking product of Sberbank of Russia can be a great alternative to a mortgage.
Housing loan
Not every family can afford to buy an apartment or a house today. Profitable banking products of Sberbank can come to the rescue. Mortgages are a great option for young people who are planning their future. The most beneficial way is to draw up a contract for the purchase of real estate in a new building. The initial payment under the contract may not exceed 10%. The maximum loan term is 30 years. The amount of the contract is negotiated individually in each case. The rate is from 10% per annum.
As a down payment for real estate, a young family can use maternity capital. In this case, the contractual rate will be 9.5%. Under such conditions, you can purchase real estate both in a new building and in the secondary market.
Sberbank also provides loans for individual construction of a residential building. However, in this case, the conditions will be less favorable. The contract rate will be 12% per annum.
Credit cards
Plastic cards are firmly entrenched in the lives of almost every citizen of Russia. With the help of such an instrument, many keep their savings and receive wages. What else can Sberbank's banking product consultant offer? Reviews show that credit cards are very popular? Such a tool allows you to purchase any goods without additional visits to a financial institution. Credit card allows you to reach the salary.
Sberbank offers to issue a card related to the international payment system. This means that the client will be able to manage money in any corner of the globe. Depending on the income of the client, the credit limit can be up to 600 thousand rubles. The contract rate varies from 23.5 to 27.5% per annum. To receive the card, the client must confirm his official income.
For loyal customers who have been served at the bank for a long time, economists offer to issue a premium credit card. The rate on it may not exceed 21.9% per annum, and the credit limit will amount to 3 million rubles.Plus, when calculating with a card, a client can return up to 10% of the cost of purchases when servicing in Sberbank partner stores.
Loan refinancing
With the advent of the economic crisis, problems in the financial sphere appeared even for those citizens who stood firmly on their feet. Many lost their jobs and steady income. The problems with repaying debts to the bank were acute for most families. When considering banking products of Sberbank for individuals, one cannot but recall refinancing. The financial institution meets the needs of customers and offers to renew the contract to those borrowers who find themselves in a difficult situation.
What is needed in order to refinance a debt? It is worth contacting the nearest representative office of the bank with an identification code and passport, write the appropriate application. Sberbank proposes combining up to 5 loans into 1. In this case, the payment will have to be made once a month. The amount of the contract can be up to 3 million rubles, the rate is 13.9% per annum. The maximum contractual term is 5 years.
Earnings with Sberbank
How can you protect your savings from inflation, and also make money? It is worth paying attention to deposit programs from leading financial institutions of the country. Carrying out the promotion of banking products, Sberbank does not forget about deposits for individuals on favorable terms. The most popular is the “Save” program, which allows you to receive up to 6% per annum in rubles. The contract can be drawn up for a period of 1 month to 3 years. Moreover, the client cannot partially withdraw money or replenish the account. The minimum deposit amount is 1000 rubles, the maximum is not limited.
Those who want to freely withdraw money from the account and replenish the deposit should pay attention to the deposit program “Replenish”. The term of the deposit can be from 3 months to 3 years. The client can conclude an agreement in rubles, dollars or euros. The minimum deposit or replenishment amount is 1000 rubles, 100 dollars or euros.
Retirement programs
How to secure a comfortable old age? It is also worth paying attention to the banking products of Sberbank. Transferring the funded part of the retirement pension to the accounts of a financial institution is an opportunity to receive additional income in old age. Each citizen has the opportunity to provide an additional non-state pension at the expense of his own savings. How to do it? You must contact the nearest branch of Sberbank and fill out the appropriate application. Pension benefits in old age will depend on the amount of contributions. The minimum initial payment at the conclusion of the transaction is 1,500 rubles. Subsequently, the client will have to pay a minimum of 500 rubles monthly.
The size and frequency of contributions the client can control independently. Moreover, everyone has the right to terminate the contract with the bank and return all their savings at any time.
Sberbank Insurance
Sberbank banking products are not limited to financial instruments. The company also offers interesting insurance programs. Everyone can take care of the life and health of their loved ones, the safety of property. Insurance programs are closely interconnected with lending. For those who want to borrow money, the bank immediately offers to take out insurance. If an unforeseen situation occurs with the borrower, the financial institution writes off the debt. However, for such a service you have to pay extra.
The Travel Insurance policy is also popular. You can conclude an agreement in any branch of Sberbank or in real time. One policy provides for the maximum number of risks. In this case, the amount of payments ranges from 50 to 200 thousand euros.
Sberbank also offers many other insurance programs that allow you to create a financial pillow for customers in an unusual situation.
Business with Sberbank
Banking products for legal entities are also offered by a financial institution. First of all, everyone has the opportunity to issue a current account with Sberbank on favorable terms. For newcomers to the business, free accounting assistance is offered. Large legal organizations can conclude a contract for issuing salary cards to employees of the company. At the same time, wages will be credited to employees within a few hours. Weekends and holidays will not be an exception. Sberbank support service is working around the clock.
Acquiring is a new service that is popular among legal entities engaged in trade. In this direction, Sberbank also offers to conclude an agreement on favorable terms. You can connect trading equipment absolutely free. All you need to do to the head of the company is to come to the bank office once to conclude an agreement. All other actions will be carried out in real time. Credits transferred through the trading terminal will be credited within 24 hours.
Bank reviews
A financial institution is today the most popular in Russia due to the large number of products offered. Here, both individuals and legal entities are favorably served. In addition, Sberbank offers to earn ordinary citizens of the Russian Federation. Reviews show that almost everyone can become an economic consultant. How to sell banking products of Sberbank? It is enough to carefully study the proposed conditions and truthfully provide information to potential customers.
Sberbank has been operating for quite some time. Negative feedback has also accumulated about the financial institution. But they are mainly associated with the carelessness of customers, the reluctance to carefully study the contract with the bank before entering into a transaction.