Before applying for any loan, you need to accurately calculate everything, and this will require a formula for calculating a loan in Sberbank. Calculations are needed in order to get the most complete picture of the interest rate, monthly payment, overpayment amount and loan repayment procedure for the entire loan period. It may well turn out that a potential borrower, after a careful calculation, will give up his idea of ​​taking a loan, or, on the contrary, will only reinforce his intentions. Let's see how the calculations are made for different types of loans, and what additional information they can provide us.

An annuity loan at Sberbank is very common. It involves the repayment of interest on the loan first, and then the principal amount of the loan (body). According to the schedule, the first few payments are 80% interest on the loan, the rest is the principal debt. The last 5-7 payments, on the contrary, mainly extinguish the main debt, and the share of interest in them is minimal.

By assuming obligations under an annuity loan, we will not be able to do anything with the scheme for distributing the amounts of principal and interest. On the one hand, this scheme seems unfair, but on the other hand, the borrower gets the opportunity to repay the loan in strictly equal installments. Annuity payment can be easily calculated using the formula:

Ap=loan amount*(I *(1+I) N)/(1+I) N -1)

You quickly get used to such a payment scheme, and it does not seem so burdensome for the family budget.

In this formula: Annuity payment, I - rate per year or month, N - loan term, which is calculated in months. Let us illustrate the calculations with a specific example. Let's try to calculate a loan without collateral from Sberbank PJSC at the New Year's interest rate, which is paid in equal annuity payments. First, let's take information about the loan from the Sberbank website:

• amount in rubles 30,000;
• term - 60 months;
• rate - 12.9% per annum;
• payment starts on 12/25/2017, ends on 11/25/2022.

We do not yet know the monthly interest rate, so we need to find it. To do this, we divide the annual rate by 12 months, that is, 12.9 / 12 / 100 = 0.01075. Next, we calculate as follows: monthly payment = 30,000 * 0.01075 * (1 + 0.01075) 60 / (1 + 0.01075) 60 - 1. Let's make intermediate calculations: (1 + 0.01075) 60 = 1.9 .

Now we have 1.9 subtract 1, we get 0.9. Then 30,000 * 0.01075 * 1.9 / 0.9 = 681.06. Rounding up, we get the amount of the annuity payment per month - 681 rubles 6 kopecks.

On the chart, this amount will be written in a separate column opposite each month. The amount will be divided into two parts: the first part is interest, the second part is the body of the loan. The first payment will take place on 12/25/1017. In total, it will be 681 rubles 6 kopecks, where 358.56 is the body and 322.50 percent for use. The last payment will take place on 11/25/2022. The amount is 680 rubles 83 kopecks (complete equality could not be achieved), where 673.59 is the body and 7.24 percent. For the entire term of the contract in the form of interest, you will have to pay 10,863 rubles 37 kopecks to the bank, add the amount of the principal debt and get 40,863 rubles 37 kopecks - this is how much the loan will cost.

Differentiated loan

We looked at how to calculate interest, the cost of a loan, as well as the size of the periodic payment for an annuity loan. Now let's talk about differentiated loans. What is its difference? The main difference is in monthly payments, which decrease from month to month according to a set schedule. At the same time, at the very beginning, the payment can be tangible for the family budget, but towards the end it will become several times less. To make it clearer, consider a loan option with a differentiated payment method.

Loans for individuals are provided both in annuity and in a differentiated form.

The loan amount is 400,000 rubles, it is taken for six months at 20% per annum. First payment 03/24/2017, last payment 08/24/2017. To begin with, let's calculate how much Sberbank will have to pay per month for the principal debt. 400,000 / 6 \u003d 66666 rubles 66 kopecks. Now let's set the percentage per month. To do this, we multiply the current debt by the annual rate, then multiply by the number of days in a month and divide by the number of days in a year (since we have 20%, we divide the result by 100). What do we get?

1. 03.2017 - 400,000 * 20 * 31 / 365 / 100 = 6794 rubles 52 kopecks.

Now you need to calculate the balance of the debt for the second month. To do this, we subtract 66,666 from the total amount of 400,000, 66 payments per month for the principal debt. As a result, we get 333,333.34.

1. 04.2017 - 333,333, 34 * 20 * 30 / 365 / 100 = 5479 rubles 45 kopecks.
2. 05.2017 - 266 666, 68 * 20 * 31 / 365 / 100 = 4529 rubles 68 kopecks.
3. 06.2017 - 200000.02 * 20 * 30 / 365 / 100 = 3287 rubles 67 kopecks.
4. 07.2017 - 133333, 36 * 20 * 31 / 365 / 100 = 2264 rubles 84 kopecks.
5. 08.2017 - 66666, 7 * 20 * 31 / 365 / 100 = 1132 rubles 42 kopecks.

These calculations determine the calculation of interest by the differential method. We calculate the amount of the monthly payment by adding interest to the body of the loan. You will get the following:

• 03.2017 – 66666,66 + 6794, 52 = 73461,18
• 04.2017 – 66666,66 + 5479,45 = 72146,11.
• 05.2017 – 66666,66 + 4529,68 = 71196,34.
• 06.2017 – 66666,66 + 3287,67 = 69954,33.
• 07.2017 – 66666,66 + 2264,84 = 68931,50.
• 08.2017 – 66666,66 + 1132,42 = 67799,08.

Let's add up all the payments and get 423488.54 - the total amount of money that will be given to Sberbank. Out of 23,488 rubles, 54 kopecks are interest on the use of money for six months.

In our case, the difference between monthly payments is not so noticeable, since the loan was taken for only 6 months. If the term of the contract were longer, then the difference between the first and last payment would be very significant. Taking into account the pros and cons of annuity and differentiated loans, Sberbank began to offer more annuity loan packages. Why?

1. It is easier for the borrower to remember the payment amounts because they are the same.
2. The first few differentiated payments hit the wallet very hard.
3. In case of early repayment, an annuity scheme is more profitable.

We use the service of Sberbank

Amount of credit

Payment schedule

Annuity Classic

Credit term

Months years

Interest rate

year month

One-time commission

Monthly commission

Annual Commission

Please enter all values ​​correctly.

Monthly payment First payment

Monthly commission

Total overpayment

Total interest

One-time commission

Total monthly commissions

This is a special service that is available on the Sberbank website. It is attached to each loan package, which are placed in the "Consumer Loans" section. How to use the loan calculator?

1. We go to the Sberbank website, select the "Take a loan" tab, click on any loan from the drop-down list.
2. On the page that appears, you will see various information on the loan, as well as a loan calculator.
3. First, select the calculation type.
4. Next, indicate the amount and currency of the loan.

Most often, loans at Sberbank are available in rubles and US dollars, but sometimes only in rubles.

1. Below we indicate the date of issue of the loan, the loan term and the category of borrowers.
2. Next, the gender of the borrower and the date of his birth are indicated.
3. We indicate the interest rate and basic income even lower, and then click the "calculate repayment" button.

As a result, the system will calculate everything you need. And at the same time, it will do everything automatically, offering you the final result. Can the calculations of the system be trusted? In our opinion, it is quite possible. But if you do not trust her, you can first make calculations on a loan calculator, and then check the results using the above formulas.

Whatever calculation option you choose, the main thing is to do everything very carefully so as not to make mistakes. It is better to double-check everything several times, and then make the final decision to take a loan or get by. Good luck!

The leader in providing loans to Russians, Sberbank, is expanding its credit line and offering more favorable terms to its potential customers. But any person who wants to use borrowed funds is always interested in the question of how to calculate a loan at Sberbank so that it is profitable and not burdensome for their own budget.

How to calculate a cash loan at Sberbank

Most borrowers make the same mistake: they assume that an overpayment on a loan is defined as the addition of the interest rate and principal. But this is absolutely not true: banks use completely different options for calculating the maximum loan amount and monthly payments for each specific client. Calculation formulas take into account many factors.

Ways

Preliminary calculations can be done independently in two ways. The first one is traditional. A citizen applies to the credit department, where, after providing data about himself, income and the desired amount of borrowed funds, he receives all the information from the manager. At the same time, the client cannot directly participate in the calculation itself, but will only receive the finished result. For those who wish to independently explore all the possibilities for a loan program and, most importantly, analyze for themselves all the benefits of a particular product, it is worth going to the site and making all the necessary calculations online, selecting various parameters using a loan calculator.

Formulas

Another method of calculation is based on the use of mathematical formulas.

Amount of differentiated payment calculated like this:

E=S/t+ (((S*M*dl)/DY)/100), where

E- the amount of the monthly payment,

S- loan amount,

t– number of months (or remaining months);

M- annual rate, according to the contract;

dl- the number of days in a particular month;

DY- days in a year.

Monthly payment according to the annuity scheme redemption is defined as follows:

E=S*(m*(1+m)^n)/((1+m)^n-1), where

m- monthly interest rate

n- the number of months under the contract.

monthly interest rate is defined like this:

m = M/12/100, where

M- annual rate, according to the contract.

Scheme

In banking practice, there are only two loan repayment schemes - annuity and differentiated (classical).

Annuity involves fixed and equal monthly payments that do not change during the entire loan term. Such payments include both the body of the loan and interest. Their ratio may change monthly, but the amount of payments will be the same. Under this scheme, most of the interest is paid in the first months, and only then - the main debt. This is the reason for the increase in overpayment. This method is most often used for long-term loans, and especially for mortgages. It has its pros and cons. Among the advantages are the following:

• for the first months, the client will pay less than with the classic repayment scheme;
• knowing a fixed payment, it is easier for a borrower to plan his budget.

Of the shortcomings noted:

• the overpayment is greater than with the classic version, and with an increase in the loan term, it is more significant;
• it is difficult to determine the outstanding balance;
• early repayment is not very profitable.

A differentiated scheme is to reduce the amount of monthly payments. The payment itself consists of the body of the loan, the amount of which is divided proportionally for all months, and interest accrued on the unpaid balance. Due to the decrease in interest at the end of the term, the payment decreases. Advantages of differentiated payments:

• overpayment is less;
• early repayment is very beneficial;
• easier to determine the remainder.

But there is also a drawback: in the first months, payments are maximum.

How to calculate a differentiated loan payment

With differentiated repayment, each subsequent monthly payment is less than the previous one - this is the essence of classic lending. The maximum payout is in the first month, and the minimum payout is in the last. All borrowed funds are divided into equal parts according to the number of months specified in the contract. To each of these payments is added the amount of interest accrued on the balance. Since the balance decreases every month, the amount of the payment also decreases.

Step-by-step instruction

• outstanding balance,
• the remainder of the time until the end of the repayment,
• the number of days in a particular month;
• number of days in a year.

Having these indicators, you need to go to the site and select the required loan. Then fill in the fields with the data listed above. Choose a repayment method - differentiated - and make a miscalculation.

How to calculate loan payments

When applying for a cash loan at Sberbank, the client is always interested in how to calculate the amount of payments.

Since recently banks are moving away from a differentiated scheme and stop at an innuitant one because of the greater benefit for themselves, most of the calculations are associated with annuity payments. In most cases, these are all types of mortgages and long-term loans.

Instruction

Since such a scheme assumes equal payments every month, the borrower is mainly interested in the amount of overpayments. To get this indicator, it is better to use a calculator and do the following:

• go to the site and select the loan of interest;
• the page with the selected product most often provides its own calculator;
• study all the columns by filling it out;
• fill in all the data and indicate the type of payment;
• calculate.

The summary table will show all the indicators - the amount of overpayments and payments every month, on the basis of which the client will be able to draw conclusions about the benefits and expediency of the loan product.

Loan calculator: how to calculate a consumer loan in 2017

The Sberbank loan calculator for 2017 allows the borrower to calculate what monthly payments he will have to pay. The algorithm is simple: you will need to fill in all the fields, taking into account your personal data and loan parameters. The result of the calculations will be a compiled table or graph that will clearly demonstrate the amount of principal debt, payment dates and interest to the bank. The advantage of the loan calculator is that you get complete calculations in seconds and real information about the selected product. This allows the user to realistically assess their capabilities and the financial burden on the family budget.

It should be noted that the calculator does not take into account possible additional payments (ship bill, commissions, insurance). You can find out about them already at the bank branch before concluding the contract.

Instruction

To calculate the required loan amount at Sberbank using a calculator, you need to follow the scheme:

• go to the bank's website;
• in the menu from the list "Consumer loans" select the one you need, click on it;
• determine the type of calculation (according to the loan amount, average monthly income or monthly payments);
• set the desired date and term of crediting in months;
• it is mandatory to indicate the category of the borrower, this affects the amount of interest;
• fill in personal data;
• the interest rate is set automatically, and it corresponds to the current one;
• indicate income (own and family), family composition, expenses;
• make a calculation.

When filling out all the points, it is worth realistically assessing your financial capabilities and the duration of debt repayment.

How to calculate a loan for building a house in Sberbank

On the eve of applying to a banking institution, you can make an approximate calculation of a loan for building a house in Sberbank by calculating the overpayment and the amount of the monthly payment using a mortgage calculator. In addition to the main indicators (type of calculation, repayment scheme, value of the property, term and amount of borrowed funds), you should pay close attention to other items that affect the rate. This is the category of the borrower, the income of the client and his family, the desired amount of the down payment, the time of registration of the object (before the conclusion of the contract or after) and the ability to use state budget funds. The latter includes the attraction of maternity capital and participation in the Young Family campaign. After the maternity capital is credited, the bank recalculates according to the loan repayment schedule, reducing monthly payments. But one should not hope that the repayment period will be changed.

Sberbank mortgage calculator: how to calculate early repayment

Early repayment of a mortgage loan at Sberbank should be calculated according to the scheme for annuity payments. For this, a mortgage calculator is used. The algorithm is simple:

• all parameters are entered (date of conclusion of the contract, amount, rate, and term);
• the type of payment is indicated;
• indicate the amount planned for early repayment and the date.

Conclusion

Having figured out how to calculate a loan at Sberbank of Russia, you need to take into account a few more points. Before going to the bank, it is worthwhile to assess your own solvency and real opportunities without embellishment. You should not chase after an unrealistic loan, but stop at the loan that will be beneficial for you and carefully study the terms of the loan. There is no need to rush to get a loan without first calculating future payments. Then they can be compared with the calculations in the office and deal with additional "surcharges". The best option is to stop at a differentiated debt repayment scheme.

One of the most popular types of loans among citizens of the Russian Federation is a cash loan at Sberbank. This is due to fairly favorable lending conditions and a loyal attitude towards each client. A cash loan for different bank customers may differ in its conditions. To understand how much loan is available to you and under what conditions it will have to be repaid, you can use the loan calculator below.

Page content

Online calculator

If you want to take a cash loan from Sberbank, the calculator will help you pre-calculate all the conditions for obtaining and repaying a loan. You can also apply online for it.

Amount of credit

rub.

Interest rate

%

Loan terms

months

Calculation results

Monthly payment:

rub.

Loan repayment:

rub.

Total cost:

rub.

Show payment schedule

Cash loan at Sberbank: types of loans

If you decide to take a cash loan from Sberbank, first you need to decide which type of loan is right for you. Not only the terms of the loan itself depend on this, but also the amount of the amount that can be borrowed.

Today you can get a loan from Sberbank on the following conditions:

• No collateral. This is a standard scheme for obtaining a cash loan without guarantors and collateral.
• With security. Such a scheme for obtaining a loan implies the presence of guarantors who can provide their income certificates. The data specified in them affects the amount of the loan that the bank can provide to the client.
• With a pledge. This lending condition allows you to get a larger loan amount. Various property owned by the client can serve as collateral.
• Refinancing a cash loan received from another bank. The conditions for such a loan are selected on an individual basis, taking into account the data specified in the agreement.

Important! Through the website of Sberbank, you can only submit a preliminary application for a loan. The final decision on it is made at the bank branch. The contract itself is signed there.

Features of the loan

As in almost all financial institutions, in order to receive a cash loan at Sberbank, the main parameters requested from clients are their age, Russian citizenship and a permanent place of work. Other conditions may differ from each other and relate only to certain types of loans.

Requirements for clients applying for a loan

The main list of requirements that Sberbank imposes on customers wishing to take out a loan includes:

• Age restrictions from 21 to 65 years. It should be borne in mind that such restrictions are very conditional and are considered on an individual basis. If the client's age is close to the upper limit of the acceptable norm, he is unlikely to be approved for a long-term loan.
• Official employment. The client must be officially employed within the last 6 months. If a person receives a salary at Sberbank, this period can be reduced to 3 months.
• Work experience. Over the past five years, a client who applied to the bank must work for at least a year. For pensioners, this period is reduced to six months.

The condition of having a mandatory work experience does not apply to clients who receive a salary at Sberbank.

The maximum loan amount without collateral can reach 1,500,000 rubles, with collateral - 3,000,000 rubles. When applying for a loan secured by property, the amount is not more than 60% of the value of this property.

Important! Sberbank issues a cash loan for a period not exceeding 5 years (60 months). Payments must be made monthly in equal installments. An online calculation performed using a calculator will also help you make an approximate payment schedule.

Interest on the loan

The interest rate depends on the type of loan chosen. If you want to calculate the loan terms in advance, the calculator will help you do it pretty quickly. You just need to choose the type of loan you are interested in and focus on its main conditions:

• The interest rate for unsecured loans is 16.9-21.9% for loans for up to 2 years and 17.9-22.9% for up to 5 years;
• For a loan with a guarantee - 15.9-20.9% for a loan for a period of up to 2 years and 16.9-21.9% for a period of up to 5 years;
• For loans secured by property, when requesting an amount of up to 40% of its value - 15% for up to 10 years and 15.5% for more than 10 years. If the loan amount is from 40 to 60% of the value of the collateral, for a period of up to 10 years the interest rate will be 15.25%, for a period of more than 10 years - 15.75%.

You can learn more about the conditions of a particular type of loan using the online calculator.

Sberbank is a Russian financial conglomerate, the largest transnational and universal bank in Russia, Central and Eastern Europe. It is the largest bank in Russia in terms of transactions with individuals. Sberbank is the largest bank in Russia and one of the leading international financial institutions. This is the most expensive Russian brand, included in the top 25 brands in the world.

Sberbank has 12 territorial banks responsible for the operation of more than 14,000 branches in 83 constituent entities of the Russian Federation. The bank's foreign network consists of subsidiaries, branches and representative offices in 22 countries, including the Russian Federation, Turkey, Great Britain, the USA, as well as the regions of the CIS, Central and Eastern Europe. Sberbank offers retail clients a wide range of banking products and services, including deposits, various types of loans, bank cards, money transfers, bank insurance and brokerage services.

Loan calculation in Sberbank

Sberbank of Russia is one of the largest financial and credit organizations in the country. The bank has an extensive network of branches and offices that offer the population a huge range of products for individuals and legal entities. In this article, we will talk about the possibility of calculating the monthly payment using a calculator on the official website of this organization.

The main specialization of Sberbank PJSC is the provision of consumer loans for various purposes. Depending on the purpose, they can be issued with or without material support.

In addition, it is possible to obtain a loan, provided that the guarantor is a solvent individual. Sberbank provides more opportunities and loan products to military personnel and entrepreneurs who have a farm, or if the purpose of obtaining a loan is to develop a priority industry.

It should be noted that Sberbank has a profitable educational loan package, which is partially covered by funds from the state budget. But the list of offered products does not end there. Anyone who wants to buy real estate, but does not have the necessary amount, can use one of the six mortgage loans.

Almost every resident of our state is a client of Sberbank PJSC and at least once used banking products or considered taking a loan. There are several advantages of obtaining a loan in this bank:

• The presence of a minimum package of documents for creating an application;
• After the approval of the application, the client receives funds almost immediately (by transfer to a card or in cash at the nearest branch).
• The ability to choose the most optimal loan product depending on the purpose;
• In some cases, it is possible to receive money in cash without a guarantor and collateral;
• The existence of special lending programs for entrepreneurs, military personnel, students, etc.

In addition, today there is a convenient and free calculator that will help you calculate a loan at Sberbank. You don't even need physical access to a credit card or a contract to hand.

Features of working with the calculator

For greater convenience of users, a special Sberbank loan calculator has been developed, with which you can calculate the monthly payment. Anyone can use it, because it is very simple:

• First of all, the potential borrower indicates the amount of the loan in Sberbank of Russia that he needs;
• The rate and type of payment are selected in the calculator that performs the calculation;
• The most optimal date and period for which a loan product is issued is determined.

After completing the data entry, you must click the "Calculate loan in Sberbank" button. Be sure to consider the possibility of repayment before the agreed period, as well as the presence of guarantors or collateral.

Online you will see what the amount of the monthly payment will be. Of course, if it is small, then Sberbank customers may calculate the loan yourself, but it will take much longer. In situations where hundreds of thousands of rubles are involved, for greater accuracy, it is recommended to use the Sberbank loan calculator. By calculating the monthly bank payment, you will know for sure whether it is worth applying for a loan or not.

Today, in Sberbank, calculating a loan is quite simple, you can see for yourself! A few years ago, when the loan calculator was not launched, Sberbank customers were forced to turn to bank operators whenever necessary.

2019 is the peak of the era of modern technologies, in which Russia is directly involved. In order to make a calculation, it is not even necessary to leave your apartment, but just use a PC or any other gadget with Internet access.

Positive

Good evening! I would like to express my indignation about the work of the service and consultants. I was very late, I came almost to the closing of the bank. I started talking with a consultant, in response he was rude to me, arguing that the time had passed. After some arguments, he explained to me how to use a credit card, which I already know. In general, the work of the service is terrible, it is always noisy during the day, and the consultants often speak irrelevantly. I ask you to correct these shortcomings, since it is completely uncomfortable to take bank services in such an environment.

My company cooperates with Sberbank on a salary project, leasing and loans. For each direction, we were provided with personal consultants who have not changed for more than 3 years. I would like to note the high professionalism of all three personal consultants. They are available 24/7 even though we are not key partners. I will not say anything about interest rates and other conditions, these are questions for the “tops”, as they say, I knew what I was doing. Entrepreneurs of Kemerovo recommend service in the savings.

OOO Glonas-LIR

I really appreciate politeness in people! Huge respect to the head of department 7787/29, Tula, Marina Ivanovna. Dust particles were literally blown off me, although I am a small person and came for the needs of only 150 thousand. I forgot the certificate of the change of surname, they asked me to convey it and were served without a queue. They also told everything in detail about the loan, I was pleasantly surprised!

I used the home insurance service from Sberbank and did not regret it. The insured event was not long in coming. The alcoholic who lives two floors up forgot to turn off the water and flooded us. Called the hotline within minutes, no problem. Received detailed advice on the documents and the procedure for assessing the damage. The damage, by the way, amounted to 650 thousand rubles. Sberbank paid me the full amount in full 2 ​​weeks after the incident. The cost of insurance was only 2 thousand a year.

How to use the loan calculator

1. The amount of the monthly payment

2. The amount of overpayment on the loan

3. The full amount with interest that you will return to the bank.

4. A debt repayment schedule will also be formed, which will indicate:

Amount of payment;
Principal payment;
Interest payment;
Balance owed.

It is very easy to calculate:

1 Enter the amount you plan to borrow in the appropriate calculator form.

2 Specify the loan term. You can select a period in years or months.

3 Enter an interest rate. It can be preliminarily specified in the lending conditions (see below).

4 Select Type of payment - Annuity if you are calculating a loan from Sberbank (differentiated payment by Sber in consumer lending is not practiced).

Annuity payment means that the client will give the bank the same amount every month during the entire loan period.

The differentiated method of debt repayment assumes that the borrower will first have to give the bank a large amount, but over time it will decrease.

Sberbank loan calculator

It is intended only for preliminary calculations! To determine the exact parameters of the loan, contact the bank branch.

Sberbank loan without collateral

Age of the borrower: 21 - 70 years;
Min. amount: 30,000 rubles;
Max. amount: 3 million rubles;
Term: from 3 months. up to 5 years;
Commission.: absent;
Security: not required.

Interest rates

Special conditions

Basic conditions

for other individuals

Amount, rub.	Bid
	from 14.9 to 19.9%
from 300,000 to 1 million	from 13.9 to 17.9%
	Sberbank loan with a guarantor for youth and pensioners Age of the borrower: 18 - 21 years and 60 - 80 years; Min. amount: 30,000 rubles; Max. amount: 3 million rubles; Term: from 3 months. up to 5 years; Commission: none; Security: guarantee of an individual. Interest rates Special conditions for those who receive a salary or pension to an account with Sberbank Basic conditions for other individuals Amount, rub. Bid from 13.9% to 19.9% from 300,000 to 1 million from 13.9% to 17.9% Refinancing loans at Sberbank Age of the borrower: 21 - 65 years; Min. amount: 30,000 rubles; Max. amount: 3 million rubles; Term: from 3 months. up to 5 years; Commission.: absent; Security: not required. Interest rates Amount, rub. Bid Who can take Sberbank loans To receive a consumer loan at Sberbank without guarantors Individuals who meet the bank's requirements for borrowers can apply. They are the following: 1 Age at the time of the loan: At least 18 years old if you receive a salary or pension to an account with Sberbank at least 21 years old - for other borrowers 2 Age at the time of loan repayment under the agreement: No more than 70 years 3 Work experience: At least 3 months at the current place of work - for clients receiving a salary or pension to an account with Sberbank. For working pensioners receiving a pension to an account with Sberbank, the total length of service for the last 5 years must be at least 6 months. at least 6 months at the current place of work with a total work experience of at least 1 year over the past 5 years - for clients who do not receive salaries to an account with Sberbank. consumer loan under surety individuals can be obtained by young people aged 18 to 21 years and pensioners from 60 to 80 years (as of the loan repayment date). And the guarantor must be over 21 years old and under 70 years old. The seniority requirements for this loan program are the same.