Belagroprombank loans for consumer needs credit. Consumer loan at Belagroprombank

One of the leading financial organizations of the Pridnestrovian Moldavian Republic is Agroprombank. It has been operating in the financial market since 1991, which already speaks of its reliability. It is not surprising that every year there are more and more residents of Transnistria who want to take out a consumer loan from Agroprombank. Let's talk about how to do this.

Credit products of Agroprombank

Most of the products from the loan range of Agroprombank are developed for clients with the status of legal entities. However, for ordinary people, this organization has a couple of proposals, namely:

"Rainbow" credit card;
loan for any purpose “Before payday”.

At first glance, this doesn't seem like much. But in order to cover emergency financial needs, it is quite enough. Moreover, applying for any of these loan products is quite simple.

How to apply for a consumer loan

To apply for a “Payday” consumer loan, the client must be a resident of the PMR and have a SIM card issued by a local telecom operator. You can apply for a loan in the following ways:

contact the bank branch directly with your passport;
call the credit institution’s customer support service at 16-61;
send SMS to number 16-61.

Read more about the last option. The text of the message that you send to the CC bank number must contain one of the following words:

KREDIT;
CREDIT;
CREDIT;
OVER;
OVER.

A bank employee, having received the SMS, will contact you within 24 hours and give instructions on further actions.

Important! Existing clients of Agroprombank can also obtain loans for consumer needs through the mobile application of this financial organization or through a personal account on its website.

Lending terms

The consumer loan “Before payday” is issued exclusively in PMR rubles. There are no other types of currency available for this credit account.

The loan amount can be no more than 30% of the borrower's salary. If you receive a salary on Agroprombank cards, you will not have to provide any documents confirming its size. Otherwise, when submitting an application you will have to present a certificate of income. The costs of using borrowed funds will depend on their volume. The calculation is made as follows: the client is credited daily with 17 kopecks for every 100 rubles of the loan.

Loan repayment is automatic. As soon as the borrower’s account receives funds in the required amount, they are written off by the bank against the debt.

Important! More detailed information about the “Payday” loan can be found in the Agroprombank contact center. This data is not publicly available.

Credit card "Rainbow"

Individual loans from Agroprombank have been developed for companies and individual entrepreneurs. In addition to the loan described above, individuals can only count on obtaining a credit card.

The Rainbow card can be issued to any adult citizen of the PMR living in the region where the bank operates. The credit limit for it is set individually, depending on the client’s income. The interest rate on the card is calculated in the same way. Its minimum limit is 13.3% per year, and the maximum is determined based on the volume of the credit limit and the client’s city of residence.

Important! The maximum credit limit on the Rainbow card can be 300 PMR rubles.

Agroprombank does not charge any fees for issuing and servicing the card. All non-cash transactions using a credit account carried out at merchants are also free. But if you need to withdraw cash from your card, you will have to pay 1.5% of the withdrawn amount (at least 30 PMR rubles). Transfers from a credit card to any other card owned by an individual are charged in the same way.

Important! Agroprombank makes it possible to repay a credit card debt ahead of schedule, without imposing any sanctions on the borrower in this case.

How to get a credit card

You can apply for an Agroprombank credit card in two ways:

through a branch or expanded branch;
through the bank's contact center.

After registration, the client is given access to the bank’s mobile application and Internet account on its website. Using these resources, you can not only track your financial affairs, but also apply for new loans and other Agroprombank products.

Additional features of the Rainbow card

Each user of the Rainbow card receives the following bonuses from Agroprombank:

deferment of the first payment on the card for 90 days;
10% refund of money spent on each purchase in partner stores;
the opportunity to participate in discount promotions of bank partners.

You can also track cashback and discount offers through Agroprombank remote services. It's quite convenient.

Belagroprombank is one of the largest banks in Belarus. It was founded in 1991, and its activities were aimed at servicing the agricultural complex. This is an authorized bank of Belarus and through it the implementation of government programs that support the country’s agro-industrial complex is carried out. Over the years, from a highly specialized institution, the Bank has turned into a multifunctional financial organization.

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Today the Bank serves both large enterprises of the country and individual clients - individuals. Particular attention is paid to retail services, including consumer lending.

Lending terms

Belagroprombank provides loans to individuals for various purposes. For consumer needs, the Bank offers cash loans and credit cards.

Loans are provided only in the national currency of the country. The terms depend on the lending program, and the maximum amount depends on the borrower’s solvency.

Loans for consumer needs and credit cards are provided under the guarantee of an individual. You can apply for a loan without a guarantee only if the potential borrower has already taken out loans from banks of the Republic of Belarus for a period of at least 6 months and has a positive credit history.

In this case, the Bank may provide funds in an amount not exceeding 22,000,000 Belarusian rubles, and the loan will be secured by a penalty. When issuing credit cards without guarantors, the Bank puts forward additional requirements.

The cost of drawing up a guarantee agreement is 100,000 Belarusian rubles.
It is worth noting that under the terms of the loan, the interest rate is floating and can change after the conclusion of the agreement.

The cost of the loan is set at the refinancing rate + 15.5%, that is, when the refinancing rate changes, on the same day, the annual interest on the loan also changes.

Lending is carried out only after approval; for this, the client submits a borrower application form and a guarantor form.

Application

Loans are issued only at Bank branches, but a potential borrower can submit a preliminary application to speed up the issuance procedure. It can be submitted by calling the Bank’s Contact Center or in the Internet banking remote service system, if the client is already registered in this complex.

The application form must be filled out completely; all fields are required. Empty fields may be a reason for loan refusal.

Information must be reliable and complete.

When applying for a consumer loan, everyone tries to choose the most acceptable and profitable option for them. Do you want to know where to get a profitable consumer loan? Read it on our website.

Do you have a bad credit history, but do you absolutely need to get a loan? Read the article - and find out which bank is ready to give you a loan.

Loan for consumer needs in Belagroprombank 2020

Belagroprombank provides funds for consumer needs in the form of a loan, which is credited to a current or current account opened with the Bank and in the form of credit cards of the Visa and MasterCard payment systems.

Consumer lending programs

Bid, %	Duration, months	Amount, white- Russian rubles	Provide reading	Special conditions
Loan for consumer needs
35.5 (CP+15.5)	Up to 36	1000000 – within the limits of the client’s ability to pay	Guarantee of an individual	Non-renewable attached dit line.
Credit cards
34.5 (CP+14.5)	61	50 000 000	Surety	Map provided Visa Electron Credit. Revolving line of credit. Withdrawal fee 3%.
34.5 (CP+14.5)	14	10 000 000	Surety	An international card is issued Visa Instant. Withdrawal 3% minimum 10 000 Belarusian rubles.
34.5 (CP+14.5)	Equal to the validity period of the card (2 years), after reissue the limit is extended.	1 000 000-15 000 000 15 000 000-50 000 000	PenaltyGuarantee	Map MasterCard Unembossed. Renewable line. Withdrawal fee 3%.

On our website, you can download application forms for the following credit cards: and.

List of documents

Required documents:

Passport of a citizen of the Republic of Belarus - for citizens of the Republic of Belarus, residence permit - for foreign citizens.
Individual entrepreneurs with accounts must provide a statement for the last 6 months of the current account and a certificate from the servicing bank about the presence or absence of credit obligations or other debts.
The borrower's application form, the form of which you can download at.
Guarantor's questionnaire.
In the presence of a Bank employee, an agreement to provide a credit report from the NBRB Credit Bureau, an automated information system, is signed.
For persons of conscription age (except for military personnel serving the Ministry of Emergency Situations, the Air Force, the Ministry of Internal Affairs, etc.) - a military ID or a document confirming a deferment from conscription into regular troops for the loan period.

The period for which this document is issued depends on the economic and legal form of the enterprise and the taxation system.

Depending on the entity that issued the certificate, its period will correspond to:

for individual entrepreneurs on a single tax – for the last 6 full months;
for individual entrepreneurs on income tax or a simplified taxation system - for 2 quarters (reporting periods);
for other entities – for the last 3 full months.

Other types of documents confirming the client’s solvency:

certificate of receipt of pension for 3 full months. This document is provided by clients of retirement age;
certificate of receipt of other regular payments for 3 full months;
clients receiving salaries, pensions, benefits, payments or business income through the Bank can provide statements of their current (current) accounts as documents confirming receipt of income.

Requirements for the borrower

Loans are issued only if the client meets the Bank’s requirements, namely:

age 18-65 years;
citizenship of the Republic of Belarus or permanent registration and residence permit for foreign citizens and stateless persons;
availability of permanent, official income in the Republic of Belarus;
no negative credit history;
for individual entrepreneurs – absence of arrears in paying taxes and fees to the country’s budget;
absence of any deductions from net income under writs of execution exceeding 49%;
non-conscription age or the presence of documents on deferment or completion of military service.

Do you want to know how to get a consumer loan using 2 documents? Read it on our website.

Maximum and minimum amount

The minimum loan amount is 1,000,000 Belarusian rubles. The maximum limit depends only on the client's solvency, which he confirms by presenting official income documents.

For credit cards the maximum limit is determined and is 50,000,000 Belarusian rubles. It depends on the type of card and the type of security.

Depending on the type of collateral (guarantee or penalty) under the terms of the loan, the maximum thresholds are reduced for each product individually.

Terms of loan processing

The processing time for a package of documents for consumer loans and credit cards is 4 days.

An exception is the credit limit set on the international Visa Instant card. In this case, the Bank can make a decision on lending for up to 2 months.

Video: Why did you choose Belagroprombank?

Debt repayment

The loan for consumer needs is repaid in accordance with the classic schedule. The principal debt is paid in equal installments, and interest is calculated monthly based on the balance of the loan for each day.

Credit card debt is repaid as follows:

Visa Electron Credit. While the credit line is valid, repayment of the principal debt is 2% of the debt, after the end of the term - in equal parts. Interest is paid from the next month after the limit is granted and is accrued on the amount of the current debt;
Visa Instant. The principal debt is paid 2 months after the conclusion of the agreement, interest is paid from the next month of receiving the loan and is calculated based on the balance of the current loan for each day;
MasterCard Unembossed. A minimum of 4% of the debt amount is paid monthly on the 1st day of each month plus interest on the balance of the debt.

Payments can be made through the Bank's cash desks, regardless of which branch or city the loan was received in, as well as at self-service terminals.

Advantages and disadvantages

Belagroprombank is a reliable and profitable partner. Acceptable interest rates on loans and convenient programs allow each client to find the most profitable product for themselves.

The development trends of the bank and the processes of introducing new programs, conditions and services indicate that the Bank strives to improve the quality and convenience of service and make consumer loans even more accessible to its clients.

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

– one of the most popular types of lending. If you decide to buy an expensive item or update your wardrobe, then you will be interested in a service such as a loan for consumer needs. Don’t hesitate to purchase the desired purchase, saving money from each salary - take out a loan for the purchase, which will allow you to have the thing you like right now.

Loan currency: Belorussian rubles

Loan interest rates (% per annum):

with a full repayment period of up to 1 year 14.0% (SR+4 p.p.) *
with a full repayment period of 1 year or more 15.0% (CP+5 p.p.) *
with a full repayment period of up to 3 years, issued on-line - 13.5% (CP+3.5%) *

Duration for which the loan is provided: up to 3 years.

Minimum loan amount:

Maximum loan amount: within the limits of the borrower's solvency.

The period for reviewing the package of documents is 3 working days.

Registration of the contract sureties with an individual to ensure loan repayment - 20 Belarusian rubles.

Loan collateral: guarantees of individuals.

Special conditions for obtaining a loan without guarantors.

Providing a loan: by transferring funds to the borrower's current (settlement) account opened with the bank.

Loan repayment:

principal debt - monthly in equal installments;
interest - monthly, in an amount calculated based on the actual daily balance of the loan.

Repayment of loan debt can be made at branches, departments and cash transfer centers of OJSC Belagroprombank, regardless of the location of the loan.

Requirements for the borrower (guarantors):

citizenship of the Republic of Belarus (stateless persons permanently registered in the territory of the Republic of Belarus and having a residence permit);
age from 18 years;
availability of regular, officially confirmed income in the Republic of Belarus;
absence of a negative credit history (for individuals - individual entrepreneurs of the Republic of Belarus - absence of debt on taxes, fees and other payments to the budget (additionally));
for men under the age of 27 years (citizens of the Republic of Belarus) - the presence of a military ID or documents confirming the right to a deferment from conscription for military service, with the exception of those serving in the internal affairs bodies, financial investigation bodies of the State Control Committee of the Republic of Belarus, bodies and emergency departments, military personnel serving in the armed forces of the Republic of Belarus.

A loan of up to 2,000 Belarusian rubles is possible without providing a document confirming income.

You can repay loans in Belarusian rubles at self-service devices (infokiosks) equipped with a cash acceptance module.

Belagroprombank: loans for consumer needs

Consumer loan at Belagroprombank

The banking organization "Belagroprombank" was registered on the financial market of Belarus in 1991. Today the bank is implementing government programs. The institution specializes in providing credit funds to the population. The banking organization operates several deposit programs. Today the bank occupies a leading position in the market and has a wide network of branches in many cities of the country. You need to figure out how to get a loan from Belagroprombank for consumer needs.

Bank products

Today, financial institutions operate a large number of different loan programs. They can be used by both ordinary citizens and legal entities. More than 10 loan products with different purposes are available for individuals. Most of these programs are targeted, that is, funds are issued for specific purposes.

For example, a bank has a loan program "Student", which is intended to pay for tuition at a higher educational institution. In addition, loans are provided for the purchase of a car, housing, and refinancing of loans issued at other financial institutions.

However, the bank also provides consumer loans that are not targeted. This means that citizens who have taken out such a loan can use the funds at their discretion. In this case, the creditor does not make any demands. The loan can be transferred to the client's account or to the bank's credit card.

For regular and trusted clients of a financial institution with a positive credit history (that is, without negative marks), it is possible to provide funds on preferential terms. A loan for loyal customers provides for the issuance of money at a lower interest rate than for other citizens. However, you can apply for funds only within five years from the date of repayment of the old loan.

Consumer loan: main loan parameters

As mentioned above, under the terms of consumer lending, the borrower can spend the funds received for any purpose. This circumstance explains the high popularity of such loans among the population. The main parameters of a consumer loan at Belagroprombank are as follows:

The loan currency is Belarusian rubles.
You can borrow at least 100 rubles. The maximum loan amount has not been established; this parameter directly depends on the client’s solvency and is determined purely individually.
The interest rate depends on the loan term. If the loan is issued for a period of up to 12 months, it will be 12.5% per annum. If the term of the loan agreement exceeds 1 year – 15.5%. It is important to take into account that both parameters are temporary. The financial institution reserves the right to change interest rates if the National Bank of the Republic of Belarus changes the refinancing rate.
The maximum loan term is no more than 36 months.
The loan body is repaid evenly(that is, each month the client will need to make equal payments).

To obtain a consumer loan from Belagroprombank, the borrower must enlist the support of a guarantor. In this case, the client will have to pay 20 rubles for drawing up the corresponding agreement. However, for citizens who have a good credit history, special conditions apply. Such persons can borrow funds without resorting to the help of guarantors. But in this case, you can borrow no more than 7,500 rubles.

Requirements for the borrower

Citizens of the Republic of Belarus and persons with a residence permit can receive funds (registration in the country is mandatory). To be able to apply, a citizen must have reached the age of majority. In addition to these standard requirements, a potential borrower must also:

have a regular income;
have a positive credit history;
have a military ID (if the borrower is under 27 years of age).

If the borrower is registered as an individual entrepreneur, an additional requirement is imposed on him. Such citizens should not have debts to the state budget (in the area of taxes and other transfers).

Documentation required to apply for a loan

First of all, a potential borrower must have a passport of a citizen of the Republic of Belarus (the requirement does not apply to persons who have a residence permit). Individual entrepreneurs will also need to provide a bank account statement for 6 months (before submitting the application). Such persons are required to provide another certificate to obtain a loan. It is issued by the bank servicing the company’s current account and must contain information about the presence or absence of debt on other obligations.

It will also be necessary to submit a document that confirms the borrower’s income. Individuals must submit a salary certificate, which will indicate data for 3 months before submitting the application. Other requirements are put forward for other categories of the population:

Individual entrepreneurs paying a single tax must submit a certificate of income for the last 6 months.
Individual entrepreneurs who are subject to income tax or a simplified taxation system must submit a document containing information about income 2 months before submitting the application.
Persons receiving pension payments are required to submit a document indicating the amount of pension for the last 3 months.

Persons receiving wages (or other types of income) to an account at Belagroprombank, instead of the above-described certificates, can provide an extract from this account. After submitting documents, employees of the financial institution are given no more than three days to review them and make a decision.

Applying for a loan

Funds are transferred to the borrower's account. However, it is not possible to apply for a loan online.. To do this, you must personally come to one of the branches of the financial institution, fill out the appropriate application and submit the required documentation. After reviewing the application and analyzing the documents, employees of the financial institution will make a decision on the loan.

Meanwhile, citizens can submit a preliminary application. You can do this in one of two ways:

Call the financial institution’s contact center (number 136) and report your desire to apply for a loan.
If the user is a client of Belagroprombank, he will be able to use the Internet banking service. To submit a preliminary application, you must go through the authorization procedure, then go to the tab "Your loans."

But even if a potential borrower submits a preliminary request, he will still have to personally visit one of the bank’s branches to draw up an application and, if approved, sign a loan agreement.

Thus, Belagroprombank loans for consumer needs are provided to adult citizens of the Republic of Belarus and persons with a residence permit. In order to receive funds, the client must be an adult and have a source of stable income. You can take out a loan for a period of no more than three years. The maximum loan amount depends on the borrower's income level. A preliminary application can be submitted remotely, but to apply for a loan you must appear in person at one of the bank’s branches.

How to get a consumer loan from Belagroprombank?

Today the Bank serves both large enterprises of the country and individual clients - individuals. Particular attention is paid to retail services, including consumer lending.

Lending terms

Belagroprombank provides loans to individuals for various purposes. For consumer needs, the Bank offers cash loans and credit cards.

Loans are provided only in the national currency of the country. The terms depend on the lending program, and the maximum amount depends on the borrower’s solvency.

The cost of the loan is set at the refinancing rate + 15.5%, that is, when the refinancing rate changes, on the same day, the annual interest on the loan also changes.

Lending is carried out only after approval; for this, the client submits a borrower application form and a guarantor form.

The application form must be filled out completely; all fields are required. Empty fields may be a reason for loan refusal.

Information must be reliable and complete.

Do you have a bad credit history, but do you absolutely need to get a loan? Read the article - consumer loan with bad credit history, and find out which bank is ready to give you a loan.

Loan for consumer needs at Belagroprombank 2018

Consumer lending programs

Loan for consumer needs

Credit cards

On our website, you can download application forms for the following credit cards: MasterCard and VISA.

List of documents

Required documents:

Passport of a citizen of the Republic of Belarus - for citizens of the Republic of Belarus, residence permit - for foreign citizens.
Individual entrepreneurs with accounts must provide a statement for the last 6 months of the current account and a certificate from the servicing bank about the presence or absence of credit obligations or other debts.

The borrower's application form, which you can download from the link.

Certificate of monthly income, the form of which can be downloaded here.

The period for which this document is issued depends on the economic and legal form of the enterprise and the taxation system.

Depending on the entity that issued the certificate, its period will correspond to:

for individual entrepreneurs on a single tax – for the last 6 full months;
for individual entrepreneurs on income tax or a simplified taxation system - for 2 quarters (reporting periods);
for other entities – for the last 3 full months.

Other types of documents confirming the client’s solvency:

certificate of receipt of pension for 3 full months. This document is provided by clients of retirement age;
certificate of receipt of other regular payments for 3 full months;
clients receiving salaries, pensions, benefits, payments or business income through the Bank can provide statements of their current (current) accounts as documents confirming receipt of income.

Requirements for the borrower

Loans are issued only if the client meets the Bank’s requirements, namely:

age 18-65 years;
citizenship of the Republic of Belarus or permanent registration and residence permit for foreign citizens and stateless persons;
availability of permanent, official income in the Republic of Belarus;
no negative credit history;
for individual entrepreneurs – absence of arrears in paying taxes and fees to the country’s budget;
absence of any deductions from net income under writs of execution exceeding 49%;
non-conscription age or the presence of documents on deferment or completion of military service.

Do you want to take out a consumer loan for 10 years? We will tell you where and under what conditions this can be done. To learn more.

Do you want to know how to get a consumer loan using 2 documents? Read the article on our website.

Maximum and minimum amount

The minimum loan amount is 1,000,000 Belarusian rubles. The maximum limit depends only on the client's solvency, which he confirms by presenting official income documents.

For credit cards the maximum limit is determined and is 50,000,000 Belarusian rubles. It depends on the type of card and the type of security.

Depending on the type of collateral (guarantee or penalty) under the terms of the loan, the maximum thresholds are reduced for each product individually.

Terms of loan processing

The processing time for a package of documents for consumer loans and credit cards is 4 days.

An exception is the credit limit set on the international Visa Instant card. In this case, the Bank can make a decision on lending for up to 2 months.

Video: Why did you choose Belagroprombank?

Debt repayment

Credit card debt is repaid as follows:

Visa Electron Credit. While the credit line is valid, repayment of the principal debt is 2% of the debt, after the end of the term - in equal parts. Interest is paid from the next month after the limit is granted and is accrued on the amount of the current debt;
Visa Instant. The principal debt is paid 2 months after the conclusion of the agreement, interest is paid from the next month of receiving the loan and is calculated based on the balance of the current loan for each day;
MasterCard Unembossed. A minimum of 4% of the debt amount is paid monthly on the 1st day of each month plus interest on the balance of the debt.

Payments can be made through the Bank's cash desks, regardless of which branch or city the loan was received in, as well as at self-service terminals.

Advantages and disadvantages

Belagroprombank is a reliable and profitable partner. Acceptable interest rates on loans and convenient programs allow each client to find the most profitable product for themselves.

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Today, a loan can be taken out at any time and for any purpose. This has become the norm of life, since there is not always enough personal funds to make a long-awaited purchase.

When you really need money for urgent needs, it is worth considering several different lending options, making calculations and choosing the best option according to the conditions, so that subsequent payments do not become a heavy financial burden.

Loan from Agroprombank:

One of the organizations that provides loans on favorable terms to consumers is Agroprombank. The credit institution provides several types of loans: from classic consumer loans to mortgage and car loans.

Agromprombank is engaged in issuing credit cards. The main advantage of the bank is the most convenient system for opening credit lines for potential borrowers.

Submission of an application and the decision to issue a loan, upon provision of all required documents, are made online.

It is enough for a potential client:

Use the loan calculator on the bank’s website;
Choose the optimal tariff plan;
Enter information about income, purpose, amount and loan terms;
Provide electronic copies of your passport, certificate of employment;
Send guarantor documents if the loan is a mortgage loan;
Leave your contact details.

After the calculation has been made and the application has been drawn up, the entire package of documents is sent to the loan officer. After reviewing the application, a bank employee will contact the client and announce the decision.

The more reliable information is provided in the application form, taking into account a positive credit history and participation in the Agroprombank salary program, the greater the chances of receiving a positive decision.

Agroprombank issues consumer loans online in the amount of 5 thousand to 1 million rubles, for a period of 3 to 12 months at rates from 26 to 30%. It is worth considering that a commission of 5% (at least 1,500 rubles) is charged for issuing a loan.

Mortgage lending is carried out at an interest rate of 20% for a period of 36 to 360 months. In total, depending on the solvency of the borrower, from 100 thousand to 8 million rubles can be issued.

For issuing a mortgage, a one-time commission of 1.5% is charged, which will be at least 10 thousand rubles. Agroprombank car loans are provided at a rate of 20 to 29%, with loan amounts from 800 thousand to 8 million rubles. for a period of 12 months. There is also a 5% commission here.

Convenient solution for all clients:

An online application is processed much faster than a standard one and does not require the borrower’s personal presence before directly signing an agreement with the bank.

This is partly why the rates are slightly higher than other credit institutions, but less than the interest for using credit cards. This type of lending is suitable.

Agroprombank has developed a convenient and understandable customer service, so getting a loan for various needs has become easier, more convenient, and most importantly faster. There are situations when large sums are needed urgently, and time is equal to money.

Online lending at Agroprombank will be an ideal solution, since the total limit is quite high, and the possibility of obtaining a loan on time is much higher than with other credit institutions.

Online lending is a serious step into the future in the banking system as a whole, as it saves time and nerves.

Agroprombank was one of the first to introduce this type of lending and is actively developing in this direction for the benefit of its clients.

OJSC Belagroprombank is engaged in lending to the population. It is possible to obtain a loan for consumer needs, for light purchases, using credit bank cards (“Kreditka sa znizhkay”, Visa Instant (Standard), “Practical Card”), online. The first is the most popular among the population, since it is not limited by the purpose of its use. Bankonomika.ru experts found out how to get a loan from Belagroprombank for consumer needs.

Basic loan parameters

A loan for consumer needs is issued for a period of up to 3 years, the interest rate depends on the chosen term. No collateral is required for amounts less than 2,000 Belarusian rubles.

The product is suitable for those who want to make a large purchase and not save the required amount for a long time.

Lending terms

The final rate on a Belagroprombank loan for consumer needs depends on the refinancing rate of the National Bank of the Republic of Belarus:

when registering online CP+3 p.p.;
when registered at a branch and repaid in full within 1 year – SR+4 p.p.;
when registered at a branch and repaid in full over 1 year – SR+5 p.p.

A guarantee from an individual serves as security for the fulfillment of obligations. For citizens with a positive credit history, such collateral is not required for a loan amount of up to 7,500 Belarusian rubles. In case of late payment and late payment of interest, a penalty is imposed in the amount of 1% of the amount of accumulated debt for each day of delay. Repayment is carried out at any bank branch or at self-service devices.

Requirements for the borrower

To obtain a loan for consumer needs in the amount of more than 2,000 Belarusian rubles, it is necessary to prove not only the solvency of the borrower, but also the financial capabilities of the guarantor - an individual. In this regard, the following requirements are imposed:

age from 18 years;
citizenship of the Republic of Belarus;
availability of regular, officially confirmed income for at least 3 months;
positive credit history;
availability of a military ID or confirmation of a deferment from military service for men under the age of 27.

These requirements apply to both the borrower and the guarantor.

Required documents

Compliance with all requirements is confirmed by submitting the following documents:

passport;
consent to provide a credit report;
document confirming income
for individual entrepreneurs – account statement for 6 calendar months, a certificate from the servicing bank about the absence of debts.

To confirm income, it is enough for salary clients of Belagroprombank to present an extract from their current account; for other categories of borrowers - a certificate of income for 3 full calendar months (for an individual entrepreneur - a single tax payer - for 6 months, for an individual entrepreneur - an income tax payer or on the simplified tax system - for 2 blocks).

How to get a loan

This can be done online or by visiting any bank branch. Depending on this, the rate and maximum loan amount will differ.

Through the Internet

Go to the bank's website.
On the side tab, select “Remote acceptance of applications for loans for consumer needs.”
Read the terms and conditions.
Switch to remote registration.
Fill out the form and click “Submit data”.

After entering the data, the application is sent for consideration.

Online filing is not available for individual entrepreneurs, for non-salary clients, for citizens whose debt with a new loan exceeds 3,500 Belarusian rubles.

Video on how to apply for a loan online:

In the office

You can submit an application at any convenient bank branch during opening hours.

You can find your nearest office on the official website in the “Regional Network” section

On the map that opens, you must select the region, locality and type of point of sale.

A loan for consumer needs from Belagroprombank is easy to apply and does not require the submission of a large package of documents when submitting an application. It is beneficial for the bank’s paying clients to apply for a loan online and receive a reduced interest rate.