Today, it is Sberbank that is one of the most famous financial institutions. The Bank offers its customers many services that include a variety of lending systems on the most favorable terms. Among other products, a trust loan is popular. Sberbank did everything to attract customers and increase the growth of requests for banking products. Let us consider in more detail what the essence of a trust loan is.
Who can take
A trust loan from Sberbank of Russia, unfortunately, is not available to every client. Only a few categories of citizens can provide it:
- Those who receive wages on the card of Sberbank.
- Those who have already taken loans from this bank and repaid them successfully. At the same time, a positive credit history should cover a period of at least four years. If a citizen had delays in payments during this period, the loan will not be approved.
The bank may also consider a candidate with a temporary residence permit, but a loan will be issued to him for a period that does not exceed the time of registration.
Documents
In order to take a loan, a potential borrower must contact Sberbank. A trust loan with a passport and other necessary documents can be issued only after verification. If for some reason the information was false, the bank has the right to refuse to its client. In addition to a Russian passport, a citizen must present:
- application form;
- a compulsory ticket (only for those who have been or are doing service);
- certificate on the form 2-NDFL;
- the employment form and its copy certified by the employer;
- SNILS;
- TIN;
- other documents that the bank may request.
Sberbank can issue a trust loan after checking documents, where special attention is paid to the solvency of the client.
Conditions
The main conditions for issuing a trust loan include:
- lack of financial problems with Sberbank and other financial institutions;
- the presence of a permanent residence in the lending territory (the conditions for temporary residence are indicated above);
- financial solvency of the borrower (a monthly payment, taking into account interest, should leave the client at least 60% of his income);
- borrower employment in last place should be at least six months;
- age restrictions: from 18 to 75 years old;
- loan time frames vary from three months to 5 years (depending on the amount of loan funds);
- The loan amount may depend on the region where the borrower is credited: the minimum loan amount is 15 thousand rubles;
- the opportunity to get a loan in foreign currency (the interest rate varies depending on the terms and amount: 15-20%);
- lack of down payment;
- lack of guarantee or provision of collateral;
- the borrower must pay a certain amount for opening a credit account;
- at any stage of repayment of debt to the bank, you can early pay the entire loan without additional interest.
One important nuance: unfortunately, a trust loan in Sberbank, the conditions of which are extremely beneficial for citizens, can not be opened in every region of Russia. Therefore, before going to the bank’s office, it is better to familiarize yourself with the service territories of this product on the official website.
Order
Sberbank offers to issue a trust loan not only at the office, but also in other convenient ways. In order to apply, you can:
- use email;
- use your personal account Sberbank Online;
- use fax.
But when signing a loan agreement, you must be present in person at the bank branch.
Once again, it is worth noting that a loan does not require a guarantee or collateral. Therefore, the loan application will be considered as soon as the borrower submits the entire package of documents. If the documents are submitted before 14:00 of the current day, then perhaps the bank employee will give an answer on that day. If later, an approval response will be available the very next day. The maximum application is considered up to three days.
Dates and repayment
Sberbank offers a trust loan for a period of 3 months to 5 years. Each borrower can independently choose the period for which he wants to take a loan. But here it is worth noting that the interest rate will also depend on the loan term.
By the way, small business representatives can also take a trust loan, but only as an individual.
As with all loans, the main debt is divided into monthly payments, including interest. In this case, the amount of debt can be repaid ahead of schedule without paying additional interest.
Reviews
Based on the foregoing, among other lending programs, a trust loan with Sberbank can be considered the most profitable. Reviews about this loan are very diverse. Many bank customers are satisfied with the speed and simplicity of a loan, the lack of the need to provide a security or guarantor. Sberbank can issue loans in foreign currencies, which is important for those citizens who have business abroad and often convert currencies.
But in addition to the positive points, there are also negative reviews. Among them, dissatisfaction of borrowers with high interest rates. 15-20% is enough for ordinary individuals. Because of this, the overpayment may be twice the original amount. Some citizens are repelled by severity when considering credit history. After all, if there is even the slightest delay, the bank will no longer give a trust loan.
Otherwise, the choice of a loan program, and in particular the decision whether to use a trust loan, depends solely on the bank's clients themselves. Perhaps after considering all the proposals, there will be more suitable ways to find the right amount.