Consumer loans are very popular among the population - they provide an opportunity to quickly receive the required amount for their own needs. At the same time, you don’t have to borrow from relatives, friends or colleagues, or depend on anyone. Let's consider why the loans offered by Sberbank of the Russian Federation are attractive and what needs to be done to obtain them.

Loan name	% Rate per year	Credit term	Amount of credit	Loan collateral	Income proof
Military mortgage for the purchase of finished housing	from 9.5%	up to 20 years	up to 2.398 million rubles.	Collateral of the loaned premises	Not required
Military mortgage for the purchase of housing under construction	from 9.5%	up to 20 years	up to 2.398 million rubles.	Collateral of the loaned premises	Not required
Loan for country real estate	from 9.5%	up to 30 years old	from 300 thousand	Collateral of the loaned premises, Guarantees for individuals persons	Help on bank form
Loan for the purchase of finished housing	from 8.6%	up to 30 years old	from 300 thousand to 15 million rubles.	Collateral of the loaned premises, Guarantees for individuals persons	Not required
Loan for the purchase of housing under construction	from 6.7%	up to 30 years old	from 3.8 million to 8 million rubles.	Collateral of the loaned premises	Not required
Loan for the construction of a residential building	from 10%	up to 30 years old	from 300 thousand	Collateral of the loaned premises	Help on bank form
Loan to individuals running personal subsidiary plots	17,00 %	from 3 months up to 5 years	from 30 thousand to 1.5 million rubles.		Help on bank form
	from 12%	up to 20 years	from 500 thousand to 10 million rubles.	Collateral of the loaned premises	Help on bank form
Educational loan with state support	from 7.5%	duration of study increased by 10 years	up to 100% of tuition fees	No collateral	Not required
Consumer loan without collateral	from 12.9%	up to 5 years	up to 3 million rubles	No collateral, no guarantors	Help on bank form
Consumer loan for military personnel - NIS participants	from 16.5%	from 3 months up to 5 years	from 30 thousand to 1 million rubles.	up to 500 thousand without collateral	Help on bank form
Consumer loan for loan refinancing	from 11.5%	up to 7 years	3 million rubles	Not required	Not required
Consumer loan for refinancing problem debt	Equals ref. loan	from 6 months to 5 years	amount to fully repay problem loans.	Guarantees of individuals	Help on bank form
Consumer loan guaranteed by individuals	from 11.4%	from 3 months up to 5 years	up to 3 million rubles	Guarantees of individuals	Help on bank form
Refinancing against real estate	from 9.5%	up to 30 years old	from 300 thousand	Not required	Help on bank form

Did you know? "Sberbank of Russia is the oldest bank in the country. Its birthday is November 12, 1841, the day when the Decree of Nicholas I on the establishment of savings banks was issued. Sberbank has the highest level of trust among the population of the Russian Federation, attracts customers by introducing loyalty programs and regularly holding promotions .

“Unsecured consumer loan”: documents and conditions for obtaining a loan

Borrowers have the opportunity to receive up to one and a half million rubles for 5 years and at the same time receive many pleasant bonuses:

• absence of any collateral;
• the right to spend money at your own discretion (without reporting to the bank);
• no commission;
• favorable rate - from 14.9 to 21.9% per year.

Calculate a loan by contacting Sberbank and apply for it within the capabilities of every paying and able-bodied citizen of the Russian Federation. There are some age restrictions: the borrower must be over 21 years old and at the time of final payment – ​​not older than 65 years.

Important! "Sberbank allows temporary registration (with the loan terms limited by its validity), but requires the provision of a certificate from the passport office confirming the borrower’s residence at the specified address.

To apply for a loan, the following documents are required:

1. application form(its form is on the website);
2. passport;
3. registration certificate form No. 9. If you have a temporary registration, you can receive a loan only for the period of its validity;
4. guarantor documents(passport, employment certificates);
5. certificates of solvency and employment(valid for 30 days from the date of issue);
6. documents for collateral, if provided;
7. work book and certificate of experience.

Did you know? Documents about solvency: certificates from work in form 2-NDFL, about the amount of pension, a certified copy of the tax return (form 3-NDFL).Employment documents: copies of the work record book (agreement, certificate, contract from the place of work), certificate of state registration of individual entrepreneurship.

Applications are processed within two working days (but with the right of the bank to extend this period). The time begins to count from the submission of the entire complex of required papers. Borrowers-clients of Sberbank - with salary and pension cards, have benefits:

• the processing time for their applications is up to two hours;
• provide only a passport;
• receive discounts on rates, etc.

Sberbank online loan calculator

To correctly calculate the loan terms with all additional features and services, use. Here you can get all the necessary information about the proposed loan and decide for yourself which conditions will be more profitable for you.

How to apply for a loan online?

You can apply for any type of loan not only at a Sberbank branch, but also online. To do this, log in to Sberbank Online and go to the “Loans” section.
The system will provide an application where you will need to fill in the following fields:

1. Type of loan;
2. Loan terms (standard, secured, with a guarantor);
3. Credit term;
4. Amount of credit;
5. Currency.

While filling out the required fields, do not overlook the additional fields. As practice shows, it is better to fill out all the fields with additional information, so that later there is no need to visit a Sberbank branch again. When the application is processed, a bank employee will contact you to tell you about further actions.

How to get a “Consumer loan guaranteed by individuals” from Sberbank

This type of loan offers three million rubles for a five-year period with a rate of 13.9-20.9% for its clients and 15.9-21.9% for other borrowers. It is possible to increase the amount of the expected loan, taking into account the income of the spouse. A calculator will help you roughly calculate a consumer loan from Sberbank of Russia.

Necessary conditions in order to take out a loan from Sberbank:

• be a citizen of the Russian Federation over 18 years of age. The bank has established some age restrictions: the age category from 18 to 20 years is prohibited from having co-borrowers, and parents act as guarantors. Age limit – no older than 75 years at the time of payment for the loan;
• work experience (last six months and at least 1 year in 5 years).

Papers submitted:

• statement;
• passport;
• confirmation of solvency and employment;
• confirmation of the relationship of clients 18-20 years old and guarantors.

Important! To save time, you can submit your application online. However, an online loan application does not guarantee a positive result - you cannot do without a personal visit to Sberbank.

“Consumer loan for military personnel - NIS participants”: who is entitled to a preferential loan

A special lending scheme is provided for military personnel who participate in the NIS. They are offered:

• receive five hundred thousand rubles with 16.5% (without collateral), one million - with 15.5% (with a guarantee) for a period of five years;
• The purpose of the loan does not matter (for the purchase of housing, vacation, etc.).

A military personnel wishing to receive a loan must be at least 21 years old and have a Military Mortgage loan or apply for this loan at Sberbank. Upon registration the following is submitted:

• statement;
• passport;
• confirmation of the applicant’s financial security and employment;
• certificate of military service (if you have a mortgage).

Important! Sberbank clients (receive pensions, salaries, scholarships), when applying for loans, receive preferences and benefits (1-2% reduction in rates, no need to provide a number of certificates, etc.).

How to get a “Non-targeted loan secured by real estate” from Sberbank and what you will need for this

Long-term loans (20 years) in amounts from 500 thousand to 10 million rubles are popular. They attract with low rates - 14% (a calculator will help you calculate the correct loan from Sberbank).

There is no need to pay a commission or provide proof of use of the money received. Housing (apartments and private houses), land plots and other property are left as collateral. The loan amount will be up to 60% of the valuation of the collateral property, but not more than 10 million rubles.

Insurance is required from the borrower client (if it is not available, the rate increases by 1%). The borrower's age limit is 21 years and older (at the time of settlement with the bank - no older than 75 years).

The loan will not be issued if the borrower or one of the co-borrowers:

• is engaged in individual entrepreneurship;
• has the right to sign financial documents of a small enterprise;
• has more than 5% of the capital of a small enterprise;
• is engaged in farming.

In addition to the application and passport, the following is required:

• certificate from the passport office (for temporary registration);
• confirmation of solvency and employment.

If the decision is positive, real estate documents must be provided to the bank (no later than 60 days). The exact list of securities is provided by the bank. Usually this is confirmation of ownership, assessment of value, certificate of state registration of ownership, registration certificate, consent of the spouse to the pledge, marriage contract, certificate from the housing department, etc.

The application is processed within 2-8 working days.

“Consumer loan for refinancing”: conditions and interest rates

Its goal is to reduce payments on previously taken loans, remove encumbrances from a car purchased on credit, and repay up to five different loans, replacing them with only one. Sberbank provides loan money (no more than 1 million rubles), the online calculator will show all the benefits of such refinancing within a five-year period.

Before confirmation of the intended purpose, the bank sets rates from 19.9 to 21.9%. After confirmation – already from 14.9 to 16.9%. Interest rates for bank clients are 1-2% lower.

To apply, you need to write an application and prepare a certificate of income, documentation on previous loans (statements of remaining debt, details, dates and contract numbers, rates, etc.). All documents must be provided within a month from the date of registration.

How to get a “Loan to individuals running private farms” from Sberbank

Sberbank offers consumer loans to plot owners throughout the Russian Federation (except Moscow). The owner is entitled to a loan of up to 700 thousand rubles with a 20% rate for 5 years. The offer can be taken advantage of by land owners, Russian citizens aged 21 years and older, who have provided an application, a passport, confirmation of work experience and solvency, and an extract from the household register.

Did you know? Charging a fee for repaying a loan earlier than the due date is prohibited. This operation is free. To avoid standing in queues, you can pay for a Sberbank loan via the Internet with a bank card.

Thus, it will be most profitable to take advantage of the offered loans from Sberbank to its clients. The lending procedure is identical: submitting an application, preparing the necessary documents and, if the criteria are met, a one-time transfer of money.

Interest rates on loans from Sberbank today are very attractive and significantly lower than in some other financial institutions in Russia. You can take out a loan without providing collateral or attracting guarantors, and the rate on a Sberbank loan will not exceed the average threshold for the segment.

What are the interest rates at Sberbank on consumer loans today? This is a valid question. Let's talk about all the conditions in order. They give loans to citizens of the Russian Federation at bank branches not only at their place of registration. A loan of up to 1.5 million rubles can be obtained as quickly as possible for any personal purpose.

It is not enough to just be a citizen of a country. Loan conditions for borrowers are as follows:

• issued in Russian rubles;
• minimum 15 thousand rubles;
• maximum 1.5 million rubles;
• lending period - from 3 months to 5 years;
• no commission for registration and issuance;
• no loan collateral required.

When visiting Moscow branches, the minimum loan amount is 45 thousand rubles. If the borrower has temporary registration, then the maximum loan period is the registration period.

Base interest rates

If taken, what is the interest rate? When lending to persons who receive wages (term - from 3 months to 2 years), the rate will be 14.9–20.9%. If the period is from 25 to 60 months, then the rate will be 15.9–21.9%. If loans are given to individuals who have not previously cooperated with the organization, for a period of 3 months to 2 years the rate will be 16.9–21.9%. For a longer period - 17.9–22.9%.

Requirements for borrowers:

• the person must be over 21 years of age but under 65 years of age;
• work experience - at least six months and at least one year for the last 5 years;
• if the client receives a salary, then his experience must be at least 3 months and at least six months over the last 5 years.

Required documents:

• loan application;
• Russian passport with a note about registration;
• paper that confirms solvency;
• paper that confirms employment.

The application submitted by the borrower can be considered by the institution’s employees within two working days. You can receive a loan within 30 days from the moment the client’s application is approved.

You can receive the money in a lump sum after signing the loan agreement. The debt must be repaid according to the schedule, in equal payments.

You can repay the debt in advance, but before that you need to write an application indicating the date of early repayment. If the client was unable to repay his debt on time, a penalty of 20% per annum will be charged. The loan application can be completed online.

Loan secured by individuals

Sberbank has reduced interest rates on loans, so you can borrow money on very favorable terms. You can receive funds to achieve all your goals.

The conditions for receiving financial assistance are as follows:

• loan currency - rubles only;
• minimum 15 thousand rubles;
• maximum 3 million rubles;
• period from 3 months to 5 years;
• no collection fee;
• no more than two guarantors who are citizens of the Russian Federation.

Base interest rates

How much is the overpayment? If you draw up an agreement for individuals who receive a salary from a bank (the period ranges from 3 to 24 months), then the rates will be 13.9–19.9%. For a period of 25 to 60 months - 14.9–20.9%.

If individuals have not previously cooperated with the bank, then for a short term the rates are 15.9–20.9%, and for a long term - 16.9–21.9%.

Promotional interest rates:

Institution requirements:

• The client's age must be 18–75 years;
• experience - at least six months and at least a year over the last 5 years;
• for those receiving a salary - at least 3 months and more than six months for 5 years.

Required documents:

• submit an application for a loan;
• passport of a citizen of the Russian Federation and co-borrower with registration;
• confirmation of solvency;
• confirmation of work activity.

Getting a loan:

• the application review period is up to two working days;
• You can take the money within a calendar month after receiving a positive response;
• at the moment of signing the contract, the client receives the entire amount at once;
• must be repaid according to the schedule in equal payments;
• in order to be able to repay early, you need to write an application;
• For late payments, penalties are charged in the amount of 20% of the total debt amount.

Consumer loan for military personnel

Sberbank of Russia makes it possible for military personnel to get a loan at a low interest rate. In 2016, the percentage is only 15.5%, and in the absence of a guarantor - 16.5%. You can take out a loan from Sberbank under a developed mortgage program for a period of up to 5 years.

• minimum 15 thousand rubles;
• maximum 1 million rubles;
• from 3 months to 5 years;
• there is no commission for issuing a loan.

Institution requirements:

• the borrower must be at least 21 years old;
• work experience must be at least six months and not less than the total work experience over the last 5 years;
• the client must be a member of NIS.

Required documentation:

• a correctly written application for registration;
• passport of the borrower and guarantor with registration;
• documents that will confirm the solvency of the borrower and guarantor.

Getting a loan:

• the borrower's application can be considered within two working days;
• funds can only be received within 30 calendar days from the date of approval of the application;
• the entire amount is transferred at a time;
• you need to repay only according to the schedule drawn up by the bank;
• fines of 20% per annum for late payments;
• early repayment only with the permission of the institution.

In Sberbank, whose interest rates are very attractive, you can get it quite easily. The loan application can be completed online. You can get a loan under such a program for any purpose using existing real estate as collateral.

• issued only in rubles;
• minimum 500 thousand rubles;
• maximum 10 million rubles, but not more than 60% of the assessment;
• lending period - up to 20 years;
• no commission for receiving funds;
• you need to provide collateral in the form of a residential premises, garage or land plot;
• You need to sign a life insurance contract.

Interest rates

At what interest rate is the loan issued? If the estimated value of the collateral is up to 40%, then for loans up to 10 years the interest rate is 14%, for a period from 10 to 20 years - 14.5%.

In the case of property valuation from 40% to 60%, the rate is 14.25%, for a long period - 14.75%. These rates are valid for those citizens who receive wages from a bank and already have an open account. If clients have not previously dealt with the organization, then you need to add 1%.

Institution requirements:

• age - from 21 to 75 years;
• work experience is at least six months and at least one year over the last 5 years;
• if there is a co-borrower, then his income will also be added.

Required papers:

• an application that can be completed online;
• passports of the borrower and co-borrower;
• documents that will confirm registration;
• documents that will confirm solvency and employment;
• Documents for the collateral must be provided within 60 days.

Loan for refinancing

You can take out a loan from an organization to reduce monthly payments on existing loans. You can repay up to 5 active loans that could have been obtained from other institutions. There are special lending conditions for certain categories of clients.

• minimum 15 thousand rubles;
• maximum 1 million rubles;
• from 3 months to 5 years;
• there is no commission for registration and receipt;
• no loan collateral required.

Interest rates:

		Those receiving salaries through Sberbank				Rest
Size		Less than 300 thousand rubles		More than 300 thousand rubles		Less than 300 thousand rubles		More than 300 thousand rubles
Proof		Before	After	Before	After	Before	After	Before	After
Loan period	3–12	19,9%	14,9%	18,9%	13,9%	20,9%	15,9%	18,9%	13,9%
	3–24	20,9%	15,9%	19,9%	14,9%	22,9%	17,9%	19,9%	14,9%
	25–60	21,9%	16,9%	20,9%	15,9%	23,9%	18,9%	23,9%	15,9%

Promotional rates from 11/14/2016 to 01/31/2017:

Requirements:

• from 21 to 65 years old;
• experience of at least six months and at least one year for 5 years.

Required papers:

• application from a potential borrower;
• passport of a citizen of the Russian Federation with registration;
• confirmation of solvency and work activity;
• information about other loans that need to be refinanced.

Getting a loan:

• the loan is issued to citizens only at the place of their registration;
• the application is reviewed within two days;
• receipt within 30 days after approval of the application;
• the loan is provided at a time;
• must be repaid in equal payments according to the schedule;
• for early repayment, you need to write an application to the bank;
• The organization's rule is a penalty for late payment of 20%.

Thanks to the good reputation and unshakable position of this company in the financial market, taking out a loan here will be a good choice for wide categories of the population. Flexible loan programs and fairly favorable conditions make them popular and profitable when applying for loans of various sizes.

Today, credit funds play a significant role in the financial situation of many people. Sberbank loan offers help you purchase a long-awaited purchase, pay for a vacation, solve urgent problems, etc. Thanks to flexible lending conditions, everyone can choose the right offer.

Consumer loan

A consumer loan is provided for any needs of the population. Features of the loan include:

• fast processing;
• minimum package of documents;
• crediting of funds up to 2 days.

You can submit documents in 2 ways:

1. At a bank branch. The documents are transferred to the manager, who helps fill out the application form and advises on all related issues. The employee will carry out the necessary calculations and inform the Bank about the decision.
2. Through Sberbank Online. The application is considered on the day of submission. Money is credited to the card on the day of approval. There is no need to visit a bank branch.

When applying for a consumer loan from Sberbank, the interest rate will depend on the following conditions: salary amount, loan amount, period of use of funds, borrower status (Bank employee, client receives salary on a Sberbank card). The lending rate at Sberbank is reduced for some time according to the promotion and can be 12.9–13.9%. The mandatory conditions for being included in the promotion include:

• the borrower is an employee or receives a salary on a Bank card;
• security – a guarantee from a third party;
• loan term – up to 2 years;
• loan amount – 300–450 thousand rubles.

Documents and conditions

Consumer loans at Sberbank are subject to general requirements and conditions, including partial or full early repayment without additional fees, the accrual of penalties and penalties for late payment. Additional conditions depend on the purpose of the loan:

1. Loan without providing collateral.
2. Loan with guarantee.
3. Loan for clients engaged in individual farming.
4. Loan for military personnel.
5. Refinancing.

To apply, you will need the following documents:

• passport with permanent residence in Russia. When registration is temporary, the period for providing money may be limited to its duration;
• card number for Bank employees and citizens receiving salaries into an account in Sberbank;
• salary certificate;
• certificate from place of work;
• declaration for an entrepreneur;
• documents confirming additional income, if any;
• real estate documents when using collateral.

Consumer loans are an opportunity to obtain funds for a long term, for any purpose, including refinancing other loans. This page of the website service provides complete information on consumer lending to individuals. Here you can select and calculate the appropriate product.

Consumer loan from Sberbank in 2019 - main parameters

Sberbank today offers four lending programs with the following parameters:

• registration without guarantors and without commission;
• loan amount from 30,000 - 5,000,000 rubles;
• interest rate 11.9 - 19.9 points;
• registration without certificates of solvency;
• method of receipt: cash or card.

How to get a loan for consumer needs from Sberbank?

The Bank has established a list of requirements for applicants. One of the main requirements is solvency, which means having a permanent job. The remaining conditions relate to age at the time of signing the contract (21 years) and length of service at the last place of work (6 months). For salary card holders, this threshold has been reduced to three months.

Pensioners under the age of 65 can also take out a consumer loan from Sberbank. For some programs, the rate for this category of applicants is reduced. will help you decide on a loan. If a loan program is selected and the application is submitted to the bank, then you will have to wait no more than 48 hours for its consideration.

If you need to obtain additional funds and when choosing a credit institution, you should consider the offers of Sberbank. Sberbank loans for individuals in 2019 underwent virtually no changes in terms and conditions compared to previous years.

Considering loans to individuals at the bank, interest rates in 2019 are very loyal. Of course, you can find lower offers among other banks, but Sberbank systematically offers non-targeted credit loans with unique, reduced rates (for example, 15.9%). The promotions are valid for several months, after which they are extended or replaced by another offer. Therefore, if you want to take advantage of a low rate, it’s worth keeping an eye on such promotions.

Today, clients are offered several types of loans, which differ in purpose:

• ordinary, non-target;
• using the support of guarantors;
• with collateral;
• for the military;
• for education;
• for housing;
• refinancing.

Each option has a number of features, different requirements for borrowers and for the package of documents for obtaining a loan from Sberbank. They differ in amount and rates.

Conditions and requirements for lending at Sberbank

All bank loans to individuals in 2019 have general requirements for borrowers:

• Age: 21-65 years. When using collateral, which can be guarantors or real estate for collateral, the range changes: 18-75 years.
• Busy. The borrower must have a permanent job in which he has been employed for longer than 6 months.
• Trustworthiness. Determined based on an analysis of the last five years. During this period, the client must have a total experience of over a year.
• Financial condition. The income level is not limited, but the loan amount is calculated on its basis.

When submitting an application, the client has the right to determine the amount he needs. The decision will be made by the bank taking into account its other characteristics: income, loan term, availability of collateral, age, etc. You can assign an amount in the amount of 15 - 1500 thousand rubles. The maximum repayment period is up to 5 years.

Interest rates in 2019

Sberbank calculates interest rates for loans to individuals according to the client’s criteria. They depend mainly on the following basic parameters:

• Term. For shorter periods, reduced rates apply.
• Bank client. A discount is assigned to a borrower who has a deposit or receives accruals through a bank (pension or salary).

So, under other similar conditions, the borrower will receive a rate of 22-26.5% if he chooses a period of up to 2 years, and for a longer period it will be 23-27.5%. For a Sberbank client, the values ​​will be in the ranges of 17.5-22% and 18.5-23%, respectively.

To get more detailed information and specific offers, you can use the loan calculator for individuals on the Sberbank website. It is enough to enter your characteristics and wishes regarding the amount and term of the loan, and the client will receive detailed information about the amount of payments, the total amount of overpayment due to interest and the details of monthly payments. By changing the parameters, you can achieve the most suitable conditions. This should be done before contacting the branch in order to understand what conditions will be offered.

Procedure for obtaining a loan by an individual

The registration process includes several key stages: submission of an application, collection and transfer of documents, review, transfer of money. The application must be submitted at the place of registration. Only salary clients are allowed to contact any office. It is better to prepare the necessary papers immediately to speed up the review process.

Documents for registration

At Sberbank, loans to individuals, the interest rates for which are discussed above, are issued subject to the following documents:

• passport;
• registration (temporary is also acceptable, but under such conditions for a period beyond its validity is impossible);
• work book, certificate from the employer characterizing the length of work experience;
• certificate 2-NDFL or in another form (on bank letterhead) describing the level of income;
• passports, work certificates from guarantors (if their help is used);
• documents for real estate indicating the client as the owner (if it is used as collateral).

For salary card holders

Salary clients and investors also have advantages in this case. They can apply with only a passport. In some cases, other papers may not be required if certain forms of security are not used.

The bank must respond within two days. If the situation requires more detailed consideration, the deadline may be delayed. And payroll clients often receive an answer immediately on the spot.

At Sberbank, loans to individuals are issued once in the full amount that is approved. They are transferred to the borrower’s special account within 30 days after approval.

Loan repayment procedure

He can withdraw, transfer and spend money at his own discretion. Repayment occurs according to the following rules:

• The entire amount of debt, including interest, is divided over the entire period. Payments occur in equal amounts once a month.
• If payment is late, a fine begins to apply - a penalty of 20% per annum for each day (applies to the amount of the delay).
• It is permissible to pay off the debt early. No commission or fine is assigned.

Online loan application

A bank client can send an application for a loan at a favorable interest rate through online banking. This will allow him to save time visiting the department. Having gained access, you need to go to the “Loans” section. Here you will be prompted to “Take a loan.”

• Type: consumer, target, etc. The choice is made from a list.
• Name: ordinary, secured, with collateral.
• Term.
• Currency.
• Sum.

Already when choosing criteria, the client will see the main terms of the loan. This type of application implies the need to visit the branch twice: to transfer papers and to conclude an agreement. To reduce your personal application to a minimum, you can select the “Extended Application” option. In this case, you need to additionally enter personal data and income. After review, the employee will contact the applicant and notify of further actions.