Sberbank of Russia is a large financial organization cooperating with tens of thousands of enterprises and organizations. She specializes in servicing and providing loans to individuals and legal entities, corporate clients, and owners of large enterprises. Who and how can get a loan from this bank? And most importantly, how to get a loan at Sberbank?
Step 1: Two steps before lending
In order to apply for a loan at Sberbank, you must first perform a number of specific actions. In total, they can be divided into the following:
- the choice of the type of loan (consumer, mortgage, etc.);
- determination of the loan amount;
- preliminary calculation of loan terms;
- analysis of valuable property and assets that can be used as collateral;
- conducting conversations with relatives and acquaintances on the subject of whether they will be able to act as guarantors if necessary;
- drawing up a preliminary list of documents that you can provide to the bank (income statement, extract from the unified register of entrepreneurs, etc.);
- Conducting conversations with acquaintances and friends who have repeatedly taken loans from Sberbank.
It also makes sense to use any online calculator and make preliminary calculations to understand how much overpayment after repaying a loan you should expect. Ideally, in order to get a loan at Sberbank, you need to sketch out your “loan plan” on paper and come to the nearest branch with it.
Step 2: We study credit services for ordinary people
Suppose you have already completed all of the above steps to plan and come to the bank. Before taking a loan from Sberbank, talk with his representative. Learn about current loan programs. You can ask about current stocks (often they allow you to take a loan, for example, without a down payment). So, at the moment, Sberbank offers loans to individuals, small businesses, corporate clients and financial organizations, therefore we will gradually consider all possible options for applying to it using loans for individuals as an example.
Step 3: Choosing a loan program for individuals
Today, individuals can apply for a loan at Sberbank under the following programs:
- unsecured consumer loans;
- consumer loans guaranteed by individuals;
- loans to military personnel (for NIS participants);
- educational loans with state support;
- housing loans (purchase of finished and under construction housing, military mortgages and loans under maternity capital);
- credit cards and refinancing of loans received at other financial institutions (mortgages and consumer loans).
Therefore, choosing a loan product, pay attention to the terms of its design and provision.
What are the conditions for obtaining loans for individuals?
Depending on the chosen program, the conditions for its design and requirements for potential borrowers may vary. For example, if your choice fell on a non-targeted consumer loan without collateral, then you can get loans of up to 1,500,000 rubles at 20% (or more) per annum. Loan term - 5 years.
Every ordinary citizen of Russia aged 21 to 65 can get a loan from Sberbank if there is an application form, passport with a registration mark, the original work book (or extract from it) and a statement of income. Moreover, the length of service (referring to the current state of affairs) should not be less than six months, and the total length of service (over the past 5 years) should be at least one year.
Which consumer credit really get in Sberbank?
You can get a consumer loan at Sberbank both with collateral and without it. And you can take a consumer loan with the help of guarantors. The term of such an inappropriate loan will be up to 5 years, and the amount will immediately increase to 3,000,000 rubles. It can be issued by citizens of the Russian Federation aged 18 to 75 years, whose work experience is at least 6 months.
Step 4: How to apply for an inappropriate consumer loan at Sberbank?
To register a consumer non-targeted loan to a private person, it is necessary to come to one of the branches of Sberbank. Indicate the loan program of interest to him and apply for a loan. You can also find out how to get a loan at Sberbank and express a desire to apply for it by calling the hotline: 8 (800) 555 55 50 and +7 (495) 500-55-50. Regular customers of a financial institution and participants salary projects can perform all these actions remotely (via Sberbank Online Internet banking).
In addition, the application form can be printed out and filled out at home. Then you will only have to come to any branch of the financial institution with a ready application and documents and apply for a consumer loan at Sberbank. In this case, the period for consideration of your application will be no more than 2 days (from the moment of its preparation).
How to get a loan for education?
If you are a student of a university in the Russian Federation, you will probably be interested to know how to get a loan at Sberbank. In particular, an educational loan is provided to students of higher educational institutions from the age of 14 years. At the same time, a bank loan can be granted to such young borrowers only with the written permission of their parents, guardians or trustees.
To apply for this loan, you will need to write an application and provide a copy of the contract describing the paid educational services in a particular educational institution, a passport, a certificate from the trustee, guardian, parents (if the borrower is not yet 16 years old). Do not forget also the certificate of temporary registration of the credited person (if the borrower has such a document). An example of a form for filling out a loan application for a loan:
Step 5: Get a Mortgage at Sberbank
Mortgages, like consumer loans, are provided by Sberbank on certain conditions. So, potential borrowers wishing to receive from 45,000 rubles for the purchase of finished housing should be from 21 to 65 years (if the loan is issued without providing income statements and extracts from the work book) and up to 75 years (if you have a full package of documents). According to this program, the loan term will be 30 years (maximum). The size of the down payment is from 20%. And the rate is from 14.5% per annum.
In order to obtain a mortgage loan at Sberbank, you must come to the branch of the organization and provide the following documents:
- passport with a mark on registration;
- a second document to choose from (driver's license, passport, etc.);
- originals of passports of 2-3 co-borrowers;
- certificate of registration at the place of residence (for temporary registration);
- income statement for the last 3-6 months;
- extract from the work book;
- documents confirming ownership of the property (if it is intended to be used as collateral).
Next, you need to write an application form for a mortgage loan at Sberbank. After receiving approval, select a property, provide the bank with a package of documents related to this property. Sign a loan agreement and other necessary documentation. Register in Rosreestr your rights to real estate that you plan to take on credit. And in the end - get money from the bank.
Step 6: Refinancing a mortgage at Sberbank
In addition to standard ones, a bank can issue a housing loan for refinancing. That is, to make a refinancing of the existing large loan received at another financial institution. What are the conditions? You can take a loan from Sberbank of such a plan for a period of up to 30 years and at 15.25% per annum.The requested maximum loan amount should not exceed the following values:
- total balance of the main debt on the loan;
- 80% of the cost of credit housing (at the time of treatment);
- 80% of the appraised value of collateral.
You can apply for this loan by providing the bank with the following package of documents:
- statements of the borrower;
- statements of guarantors, co-borrowers, legal entities or individuals acting as a mortgagor;
- the original passport of the borrower and all persons involved in the loan (guarantors, co-borrowers, pledgers);
- original income statement for the last 6 months (from the current place of work);
- photocopies or extracts from the work book;
- documentation of ownership of collateral;
- documents for credit real estate (provided within 120 days from the date of application).
Women from 21 to 55 years old, as well as men from 21 to 60 years old, can refinance their loan at Sberbank. They must be citizens of Russia. Have a permanent place of work (with an experience of 6 months) and a stable source of income.
For our part, we wish you to approach the choice of credit wisely. And we hope that the information on how to get a loan at Sberbank was useful to you, and you found answers to common questions.
