Sovcombank loan calculators - calculate consumer loans. Reviews of Sovcombank loans Consumer loan Sovcombank interest rates in

Sovcombank provides affordable loans to individuals, tailored to the diverse needs and capabilities of borrowers. The bank offers different options for loan conditions, including secured by property and a special pension loan with a reduced rate.

Loan terms at Sovcombank in 2017

Before taking out a loan from Sovcombank, the client should carefully read the terms and conditions of its provision. This is important, first of all, for a potential borrower, since inattentive reading of the loan agreement can lead to failure to fulfill the conditions for its repayment, and therefore to loss of funds. Loan approval occurs within 5 days after submitting documents. As for the amount, it is fully issued at a time.

Types of consumer loans at Sovcombank and conditions for them:

  1. Superplus. This program does not require proof of income. The minimum rate is from 19.90% in Russian rubles. The borrower has the right to request an amount of up to RUR 1,000,000. for a period of up to 60 months.
  2. Express Plus. There is also no proof of income. The bank offers a rate from 24.90% of a loan up to 40 thousand rubles for a period of 18 months.
  3. Standard plus. A loan of up to 299,999 rubles can be taken for any purpose without commission or proof of income for up to 36 months, with an interest rate exceeding 22%.
  4. Pension plus. Involves a cash loan at a Sovcombank branch. The conditions remain standard - the borrower has the right to request up to 299,999 rubles for a period of up to 36 months, but the rate will be reduced to 16.40%.
  5. Cash 12%. This program requires a certificate of income confirmation, but the loan percentage will be minimal - from 12%. The debt must be repaid within a year, and the loan amount can reach up to 100 thousand rubles.
  6. Secured by car. The minimum rate is 17%, subject to repayment within 60 months, and the loan amount is up to 1 million rubles.
  7. A plus for those in charge. Up to RUB 199,999 for a period of up to 36 months. When registering, a document of education or a marriage certificate is required.
  8. Secured by real estate. Valid for 120 months, but proof of income is required. The maximum amount reaches RUB 30,000,000. subject to payments from 18.90%.

Requirements for obtaining a loan

One of the conditions for obtaining a consumer loan is to provide the following package of documents:

  • Passport of a citizen of the Russian Federation;
  • Application for a cash loan;
  • Certificate of confirmation of permanent income;
  • SNILS, INN, driver's license, medical insurance (one document is provided to choose from);
  • In some cases, an education diploma or marriage certificate is required.

A citizen of Russia can take out a loan from Sovcombank subject to permanent registration for 4 or more months in the city or locality where the bank branch is located. An important nuance is the age of the borrower - to receive a loan, a person must be over 20 years old, and the loan must be repaid before the age of 85.

Application for receiving

A prerequisite for lending at Sovcombank is. This document can be easily issued via the Internet, on the bank’s website. You must indicate your place of residence, contact phone number, email and personal information. In this case, an application is drawn up for a specific selected loan program. After approval, a bank specialist will contact the client and invite him to the nearest branch to finalize the loan program.

Repayment methods

The borrower can pay the loan using Russian Post or from a bank account in another bank. However, the most profitable method for most clients remains the method of repaying the loan through a cash desk at a Sovcombank branch or through an online cash register terminal. Thus, you can repay loans using any available means. If credit conditions are violated, 20% per annum of the amount will be charged. It is important to remember that in almost all programs from Sovcombank it is not forbidden to repay the loan ahead of schedule.

Thus, today, getting a cash loan from Sovcombank in Moscow or any other city in Russia is quite simple. The lending conditions put forward by the bank are simple, transparent and require a package of documents, as well as standard requirements for the age of the borrower.

Individuals, individual entrepreneurs and other categories of people can apply for a loan at Sovcombank. Loan conditions will entirely depend on the chosen program, and Sovcombank provides them in large quantities.

How to apply for a loan at Sovcombank?

Taking a cash loan from a bank is not difficult, you just have to consider all types of loans and decide on the most profitable one. Loan offers are presented on the bank’s official website, and you can view them online at any time.


 You can submit an application for consideration on the website; to do this, just go to the appropriate section of the same name and indicate all the data on the requested cash loan.

The loan application is processed quickly, and the person will receive an answer in a couple of days - a bank employee will call the number specified in the application form and, if the decision is positive, will ask you to come to the bank branch to sign papers and receive a loan in cash.

You can also get a cash loan by directly contacting Sovcombank during business hours. If the loan amount does not exceed 40,000 rubles, then the period for reviewing the application is minimal and the decision will be made instantly after checking the documents.

The bank will be able to issue a larger amount only 2-3 days later, after studying the credit history and income of the potential borrower.

What can affect the interest rate?


“What is the interest rate on the loan?” - the main question of borrowers, since everyone chooses a bank in order to save on the cash they borrow. Loans from Sovcombank are provided to borrowers at various interest rates, starting from 12% and ending with 37% and this does not take into account fines for debts and accrued penalties. It is very important to choose a loan agreement in which all the client’s wishes will be taken into account, and the overpayment will not amount to a significant amount of the loan amount.

What interest rate the borrower will have on the loan is influenced by:

  1. Availability of a certificate of income of the borrower.
  2. A loan is issued without a guarantor or with a guarantee.
  3. Debt repayment period.
  4. Availability of income certificates for all household members, and co-borrowers or guarantors, if any.
  5. Purchasing an insurance policy, its breadth (the more points included in the insurance, the lower the interest on the loan will be).
  6. Whether a person provides real or movable property as collateral to the bank.
  7. The amount of cash taken.

What interest Sovcombank will charge the borrower depends on all these factors: more points are met - less interest on a cash loan.

How long is the loan for?

Sovcombank issues cash for a period of one year to five years. Most often, loans are issued for a period that is a multiple of 12, less often 6 months. For individuals, such conditions are quite acceptable. A big plus is the possibility of early repayment of many types of loans. You don’t have to worry that a loan you took out for five years will actually take that long to repay if you already have the required amount. You just need to contact the bank with an application and pay the loan money ahead of schedule without paying penalties.


Another significant moment– the payment period is always a plus for the bank, since the longer a person pays, the more interest accrues. Therefore, it is important to decide on the form of loan repayment when signing the agreement.

Cash can be deposited in equal parts every month (annuity), or in different amounts at any time (differentiated payments).

The first option entails a loss of money, while the second allows you to save on interest, since it is charged on the balance of the debt. It's better to pay the larger amount quickly so you pay less interest, and then add minimum payments whenever possible.

Borrower insurance

The following items may be included in the insurance:

  • involuntary job loss due to staff reduction.
  • diagnosis of a serious illness requiring immediate and expensive treatment or surgery.
  • temporary or complete loss of the borrower's ability to work.
  • death.


You can insure against all these and many other risks, and then, if an insured event occurs, all loan obligations will be transferred to the insurance company, and will not fall on the shoulders of insolvent relatives.

Insurance- these are additional expenses, but sometimes they are worth it, since when applying for an insurance policy, Sovcombank can reduce the interest rate by several points, which will significantly reduce the level of overpayments.

What requirements does Sovcombank put forward for the borrower?


To be approved for a loan, a person must initially meet certain requirements:

  • Be in the age range of 22-85 years.
  • The loan period must be calculated taking into account the last installment - the person must be less than 85 years old at the time of full repayment of the debt.
  • Have a Russian citizen passport.
  • Be continuously registered in one place for the last four months.
  • Live in the region where the Sovcombank branch is located where the cash loan is issued.
  • Have a permanent place of work with official employment and provide a document confirming the income level of the potential borrower.
  • The borrower's work experience at the current or last place of employment must not be less than four months.

Lending will be carried out on conditions set not only in relation to the borrower, but also in accordance with the loan program, and then the requirements may be slightly different (lower age of the borrower, longer experience, etc.)

What documents may be needed?


The following documents are required to obtain a cash loan from Sovcombank:

  • Passport.
  • SNILS (it is possible to provide another identification document).
  • Documents of co-borrowers or guarantors.
  • Documents for collateral property (ownership rights).
  • Documents for the vehicle (registration, purchase and sale agreement).
  • Consent of spouses to pledge property if it is jointly owned.

Loan processing is carried out in the presence of original documents or notarized photocopies.

What kind of cash loans does Sovcombank issue?

Sovcombank provides 12 loans on different conditions. Seven of them are issued in cash, and the rest only by transfer to pay for certain services (purchase of household appliances, cars, housing). All programs differ in terms of lending, but have approximately the same requirements for the borrower, described above. Let's look at the main consumer loans from Sovcombank.

Cash loan “12+”

The offer applies only to officially employed persons with a stable and high income. A cash loan is issued for a maximum of one year, and the amount of debt cannot exceed 100,000 rubles. The interest rate is the lowest and fixed - 12%. But this rate remains the same if more than 80% of cash is used for the intended purpose, otherwise it will rise to 17%.


"For those responsible+"

Sovcombank provides a cash loan under this program only to persons who have family status as a spouse, or if the person has a diploma of secondary specialized or higher education. The terms of the loan are the amount - 40,000 - 300,000 rubles. You can borrow money for a period of 12 to 36 months.

The interest rate will vary:

Sovcombank can reduce the loan rate by 5% when the borrower transfers a salary or pension to a bank account.

"Standard +"


The lending conditions are the same as in the previous type of loan - from 40 to 300 thousand rubles. for a period of one to three years. But the interest rate will be higher, since the bank does not require documents about marital status or education. If 80% of the cash is used for the intended purpose, the loan is issued at 26.9%, and if this requirement is not met, at 36.9%. If you transfer your salary or pension to an account at Sovcombank, the interest rate will decrease by five percent.

"Superplus"

Sovcombank provides the borrower with from 200,000 to 1 million rubles at 18.4% and 22.4% per annum - it all depends on the intended use of the funds (more than 80% or less).


 If a person does not provide a 2-NDFL certificate, then the percentage increases and amounts to 18.9% and 22.9%, respectively.

The maximum period for borrowing cash is five years, and the minimum is one year.

"Express +"

This loan is issued in cash up to 40,000 rubles (minimum 5,000 rubles), and a person can take it out with only a passport in hand; no other documents are required. The interest rate depends on the same parameters as in the Super Plus loan and is equal to 23.8% and 33.8%.

Sovcombank can issue a cash loan for six months, a year or a year and a half.

"Pension +"

Pensioners, with or without additional income, can take out a small loan and receive cash from a bank with the intended or non-targeted use of funds. In the first case, the interest rate will be 16.4%, and in the second - 26.4%. Pensioners can reduce their rate by 5% if they use the Best-Tu-Pay service to pay their debt to Sovcombank.

With a pension loan you can take out from 40 to 300 thousand rubles. for a year or three years.


You can get from 500,000 to 1,000,000 rubles from the bank by providing a car no older than 19 years as collateral. The payment period can be very different, ranging from 3 months to 60 months.

The interest on the loan will be:

  • 17% - with the intended use of more than 80% of cash.
  • 19% - with the intended use of less than 80% of cash.

Comparison of offers from Sovcombank

It is very difficult for a future borrower to choose the most profitable loan simply by reading about each of them. All have advantages and disadvantages regarding the requirements for the borrower. Those who do not want or cannot collect a large package of documents should be content with not the most favorable conditions, and those who have such an opportunity can count on a reduced interest rate and a loyal attitude of the bank.

The table provides a comparison of all of the above loans according to basic requirements, so that the borrower can quickly assess how to get cash will be more profitable and what suits his needs:

Loan nameAmount in rublesPercentage for intended use of more than 80% of fundsPercentage for intended use of less than 80% of fundsDeadlines
12+ Up to 100,0000.12 0.17 12 months
For those in charge +40 000 -300 000 0.199 0.299 12-36 months
Standard +40 000 -300 000 0.269 0.369 12-36 months
Superplus200 000 – 1 000 000 0.184 0.224 12-60 months
Express +5 000 – 40 000 0.238 0.338 6,12,18 months
Pension +40 000 -300 000 0.164 0.264 12-36 months
Secured by car50 000 – 1 000 000 0.17 0.19 3-60 months

Using this table, a person can immediately discard loans that do not suit him (with a low amount or short payment period) and choose a suitable offer.

After this, you should go to the bank’s website and read all the requirements for the selected type of loan. Basically they are the same, they will differ slightly in the package of documents (for a car, marriage, education, pension, etc.). Next, you should submit an application and wait for a decision.

Loan calculator

Borrowers, even seeing a clear interest rate, are very wary of pitfalls and large overpayments. To avoid trouble, you should carefully read the loan agreement and ask a bank employee about everything.

Before this, you can go to the Sovcombank website via the Internet and find a loan calculator. All data on the proposed loan is entered into it, and the “Calculate” button is pressed. The person is shown all the data on the screen - monthly payments and the amount of overpayment.

Sovcombank's credit policy did not change in 2017. It also specializes more in providing loans to individuals. Among its programs there are simplified issuance options. Citizens can receive money without certificates, guarantors or collateral. The bank actively works with pensioners, offering loans to citizens under 85 years of age. Let's look at what programs are available to individuals at Sovkobank in 2017.

How to get a consumer loan from Sovcombank

The bank offers a range of cash withdrawal programs. When setting the interest rate for each program, the purpose of the loan plays a role. If 80% of the issued amount or more is directed to a specific purpose, Sovcombank sets a lower rate.

  • "Standard Plus". Under this program, citizens can receive from 40,000 to 299,000 rubles for a period of 12-36 months. The convenience of this program is that it is not necessary to provide a certificate of income to issue cash. You can attach your choice to your passport: military ID, driving license, international passport, INN, SNILS, pension certificate, medical policy. The rate under the program will be 26.9% or 36.9% per annum.
  • "Money Express". This is an urgent cash loan that you can get within a day. The amount issued is small - within the range of 5,000 - 40,000 rubles. The refund period is 6, 12 or 18 months. To receive a cash loan under this program, you only need to provide one document - a passport. Sovcombank will set the interest rate at 27% or 37% per annum.
  • "Pension plus". This is a loan that is designed specifically for retirees. The bank works with citizens up to 85 years of age. Sovcombank reduces rates for elderly clients. Funds can be issued even in the absence of a place of work. If the borrower is not employed, only the pension will be considered his income. To receive a loan, you must provide a passport and pension certificate. The program involves receiving an amount of 40,000 - 299,000 rubles for a period of 12-36 months at a rate of 19.9% ​​or 29.9% per annum.
  • "Cash loan at 12% per annum". This is Sovkomanka’s most profitable loan program; with it you can get a loan with a limit of 100,000 rubles at 12% per annum for 12 months. The parameters for issuing funds are fixed. If the borrower is a pensioner, it is enough for him to provide a passport and pension certificate. If the borrower is a citizen of working age, he is required to have a passport, a 2-NFDL certificate and some secondary document (licence, SNILS, TIN, military ID, etc.).
  • Program "Cash loan Super plus". Under this program, you can borrow up to 1,000,000 rubles; funds can also be issued to an individual entrepreneur. Income documents are required. The loan is issued for a period of 1-5 years, the interest rate will be in the range of 19 - 23.9% per annum.

Car loans

Sovcombank is one of the few banks that is ready to provide a loan for the purchase of a used car from a private person. That is, you can purchase any car from an ad. The bank also provides funds for the purchase of new cars.

  • Program "Auto Style Special""Using this program, you can purchase any car of category B weighing up to 3.5 tons. The seller can only be a legal entity, that is, a car dealership. The car can be new or used. Sovcombank cooperates with many dealers, through it you can get a car loan under special programs. The loan amount is a maximum of 2.5 million rubles, the issuance period is up to 72 months. The rate depends on the brand of the car and the seller's showroom, you can take out a car loan without a down payment. The purchased car is registered as collateral. A certificate of income is required.
  • Program "Hand to Hand". You can use it to buy any car; the seller can be an individual. The loan amount is 100,000 - 1,000,000 rubles, the agreement is concluded for a period of 1-5 years, the rate is fixed - 19% per annum. There are no requirements for the condition of the car and the year of its manufacture. To receive a loan, you must provide a passport, documents for the purchased car and a certificate of income.

Secured by real estate

  • Non-targeted cash loan. This is a profitable loan offer, under which you can borrow up to 30,000,000 rubles at an interest rate of 14.99% per annum. The borrower leaves his residential property as collateral: an apartment, a house, a room. Sovcombank sets the conditions for issuing funds individually. The loan parameters depend on the collateral, where it is located, and other aspects. When assigning a loan amount, the bank is based on the borrower’s solvency and the value of the property that will be pledged. To obtain a loan, you must provide documents for residential property, bring your passport, income certificate and a work book certified by the employer. If the borrower is married, the spouse's consent to the transaction is required.
  • Loan for home purchase. Sovcombank recently introduced a mortgage program into its product line, but so far it only applies to Moscow and the Moscow region. Under the program you can buy an apartment, apartments or non-residential premises. At the time of loan closure, the borrower must be no more than 65 years old. The issue amount can reach 20,000,000 rubles, interest rates - from 11.9% per annum, issue period - up to 20 years.

Sovcombank's credit policy did not change in 2017. It still falls into the category of loyal banks that do not set high requirements for borrowers. Most of its loan programs are available to citizens who cannot provide proof of income.

What remains unchanged is that Sovcombank is ready to cooperate with citizens of retirement age. All of its programs, with the exception of mortgages, are available to citizens under 85 years of age. In addition, there is a special loan program aimed at non-working pensioners.

Reduced loan rates at Sovcombank in 2019

Sovcombank reduced the interest rate to 8.9% on a consumer loan of 100 thousand rubles with a term of up to 12 months.

The minimum rate applies when the intended use of funds exceeds 80% of the loan amount. Personal insurance is issued at the request of the borrower and does not affect the interest rate. There is no fee for processing, servicing or issuing a loan. To apply for a loan, the client will only need two documents to choose from, as well as a 2-NDFL certificate.

In addition, today Sovcombank is holding a promotion “Everything at 0!”, and within the framework of which it promises to return to the client all interest paid.. And first, let’s get acquainted with Sovcombank’s offers on loans for the population in 2019.

Sovcombank loans for individuals 2019: interest and conditions

Today, individuals can apply for several types of consumer loans at Sovcombank. This:

  • 1. “We are crazy!”;
  • 2. “Standard plus”;
  • 3. “Pension plus”;
  • 4. "Express Plus";
  • 5. Secured by real estate “Alternative”;
  • 6. “Superplus”;
  • 7. Secured by real estate;
  • 8. Secured by car.

You can also draw up loan agreements with a program of voluntary financial and insurance protection for the borrower. Let's look at the features of consumer lending at Sovcombank in more detail.

1. Sovcombank loan “We are crazy!”

This loan can be taken out by Russian citizens aged 20 to 85 years (at the time of repayment) who have permanent registration in the Russian Federation. In addition, official employment is required (work experience at the last place of work - from 4 months).

Conditions

  • Duration: 12 months.
  • Amount: 100,000 rub.

Interest rate

8.9 - 13.9% per annum.

Documentation

  • 1. Passport of a citizen of the Russian Federation
  • 2. Second document to choose from: TIN, SNILS, medical insurance policy, driver’s license, military personnel ID, military ID, foreign passport, pension certificate
  • 3. Certificate 2-NDFL.

2. Sovcombank loan “Standard Plus”

This loan can be obtained by citizens of the Russian Federation aged 20 to 85 years, who are registered in Russia and have at least 4 months of work experience at their last place of work.

Conditions

  • Amount: 40,001 – 299,999 rub.
  • Duration: 12, 18, 24, 36 months.

Interest rate

19.9 – 29.9% per annum.

There is a 5% reduction in the rate in case of transfer of a pension or salary to an account with Sovcombank.

Documentation

  • 1. Passport of a citizen of the Russian Federation
  • 2. Second document of your choice: TIN, SNILS, medical insurance policy, driver’s license, military personnel ID, military ID, foreign passport, pension certificate.

See also: 10 banks with low interest rates on cash loans - review >>

3. Sovcombank loan “Pension Plus”

This loan is intended for working and non-working pensioners under the age of 85 (at the time of full repayment of the loan). Permanent registration in the Russian Federation is also required - for at least the last 4 months in the territory of one locality of the Russian Federation.

Conditions

  • Duration: 12, 18, 24, 36 months.
  • Amount: 40,001 – 299,999 rub.

Interest rate

16.4 - 26.4% per annum.

When activating the Minimum Rate Guarantee service, it is possible to recalculate interest from 11.9% per annum.

Documentation

1. Passport of a citizen of the Russian Federation;

2. Second document to choose from:

  • - Pension certificate or certificate from the Pension Fund (for women up to 55 years old / men up to 60 years old).
  • - INN, SNILS, medical insurance policy, driver’s license, military personnel ID, military ID, foreign passport (for clients of retirement age).

4. Sovcombank loan "Express Plus"

This loan can be obtained by citizens of the Russian Federation under the age of 85, who have at least 4 months of work experience at their last place of work, as well as permanent registration in Russia for at least the last 4 months.

Conditions

  • Duration: 6, 12, 18 months.
  • Amount: 5,000 – 40,000 rub.

Interest rate

There is a 5% reduction in the rate in case of transfer of a pension or salary to an account with Sovcombank.

When activating the Minimum Rate Guarantee service, it is possible to recalculate interest from 11.9% per annum.

Documentation

  • 1. Passport of a citizen of the Russian Federation

5. Sovcombank loan secured by real estate “Alternative”

This Sovcombank loan is issued to citizens of the Russian Federation aged 20 to 85 years. The client must be officially employed and have permanent registration in the Russian Federation. The loan is issued against the security of an apartment or room, residential building or non-residential buildings. It is also possible to attract guarantors.

Conditions

  • Duration: 36, 60, 120 months.
  • Amount: 200,000 – 30 million rubles.

Interest rate

18.9% - with financial protection

20.4% - without financial protection

When activating the Minimum Rate Guarantee service, it is possible to recalculate interest from 11.9% per annum.

Documentation

  • 1. Passport of a citizen of the Russian Federation
  • 2. SNILS
  • 3. Certificate 2-NDFL or according to the bank form
  • 4. Documents confirming ownership of the property.

6. Sovcombank loan “Superplus”

This consumer loan can be obtained by citizens of the Russian Federation aged from 20 to 85 years, with at least 4 months of experience at their last place of work and permanent registration in Russia for at least the last 4 months.

Conditions

  • Duration: 18, 24, 36, 60 months.
  • Amount: 200,000 – 1 million rubles.

Interest rate

17.4% - 22.4% (with a 2-NDFL certificate or a certificate of income in the form of a bank)

17.9% - 22.9% (without income certificate)

When activating the Minimum Rate Guarantee service, it is possible to recalculate interest from 11.9% per annum.

Documentation

  • 1. Passport of a citizen of the Russian Federation
  • 2. Second document: TIN, SNILS, medical insurance policy, driver’s license, military personnel ID, military ID, foreign passport, pension certificate.

7. Sovcombank loan secured by real estate

This loan can be obtained by Russian citizens aged 20 to 85 years (at the time of repayment) who have permanent registration in one of the regions of the Russian Federation.

Conditions

  • Duration: 36, 120, 180 months.
  • Amount: up to 100 million rubles.

Interest rate

13.99 -28.0% per annum

Documentation

  • 1. Passport of a citizen of the Russian Federation
  • 2. Second document: TIN, SNILS, driver’s license, military ID, foreign passport.
  • 3. Certificate 2-NDFL or according to the bank form.

8. Sovcombank loan secured by a car

This consumer loan for any purpose secured by a vehicle can be obtained by citizens of the Russian Federation from 20 to 85 years of age who have permanent residence registration and at least 4 months of experience at their current place of work.

Conditions

  • Duration: 12, 18, 24, 36, 48, 60 months.
  • Amount: 150,000 – 1 million rubles.

Interest rate

When activating the Minimum Rate Guarantee service, it is possible to recalculate interest from 11.9% per annum.

Documentation

  • 1. Passport of a citizen of the Russian Federation
  • 2. Second document of the borrower’s choice: SNILS, driver’s license
  • 3. Vehicle registration certificate, vehicle passport, MTPL insurance policy.

See what interest rates OTP Bank gives today on loans to individuals >>

What is the Minimum Rate Guarantee service?

Activating the Minimum Rate Guarantee service allows you to recalculate a Sovcombank loan for individuals at a lower interest rate. UNO is available only to owners of Halva installment cards.

How it works?

1. The service is activated on the day the loan is issued (participation in the financial protection program is required).

2. The service can only be activated for loans for a period of 12 months or more.

3. To reduce the interest, you will need to pay a commission (a percentage of the loan amount is included in its size):

  • commission 3.9% for a rate of 14.9%,
  • commission 6.9% for a rate of 11.9%.

4. During the entire loan term you must:

  • avoid delays
  • maintain financial protection,
  • do not allow partial or full early repayment,
  • make at least one purchase monthly using the Halva installment card.

5. At the end of the loan term, interest is recalculated at a reduced rate, and the difference between the paid and payable interest is returned to your account.

Promotion on loans at Sovcombank “Everything at 0!”

Sovcombank today also offers to issue a so-called “loan with full interest repayment”.

How it works?

1. Apply for a loan with the “Minimum Rate Guarantee” service.

2. Make more than 5 purchases monthly using the Halva installment card for a total amount of 10,000 rubles.

3. Pay according to schedule (no late payments or early repayments).

4. At the end of the loan term, the bank promises to return all interest paid to you.

But it should be noted that this offer does not apply to all loans. More precisely, loans participating in the “Everything at 0!” promotion must be clarified with bank employees!

How else can you reduce the loan rate at Sovcombank?

To reduce the interest rate, you can also transfer your pension or salary to Sovcombank. In this case, you will receive the status of “Honorary Client”. This makes it possible to save on loan payments.

The rate for you will be reduced by 5% per annum (but not less than 14.9% per annum).

It should also be noted that this offer does not apply to all loans. More precisely, loans for which you can reduce the rate by transferring your pension or salary to Sovcombank must be clarified with bank employees!

Sovcombank loan calculator for individuals

Features of loan processing

1. Within 14 calendar days from the date of conclusion of the Consumer Loan Agreement, the borrower has the right to refuse the loan by fully returning the money to the bank. In this case, he will not even pay interest.

2. If, within 90 calendar days from the date of conclusion of the Consumer Loan Agreement, the borrower received a similar one at a lower interest rate from another bank, then he can return the money to Sovcombank. At the same time, he will not pay interest either.

How to repay loans

There are several ways to return money to the bank.

  • - In Sovcombank offices or ATMs;
  • - Through Internet banking;
  • - In Russian Post offices;
  • - In third parties.

See what loan rates for individuals are offered by Renaissance Credit Bank today>>

About the bank

Sovcombank is one of the largest private banks in the Russian Federation in terms of assets, number of offices and territorial coverage. The main areas of activity are servicing and lending to private clients, corporate and investment business, and securities transactions.

Official site

Phones

8-800-200-66-96 (Call within Russia is free);

700 (Only for MTS, Beeline and Tele2 subscribers (free call));

7 495 988 00 00 (for calls from abroad (paid call)).

Addresses

Head office of PJSC Sovcombank:

Address: 156000, Kostroma, Tekstilshchikov Ave., 46.

Moscow branch of PJSC Sovcombank:

Address: 123100, Moscow, Krasnopresnenskaya embankment, 14, building 1.

General license of the Bank of Russia No. 963. The information is not a public offer and is presented for informational purposes.

A large number of competitors forces banks to resort to developing new loan programs that are interesting for borrowers. Sovcombank is one of the innovators in the banking sector. Covering the most accessible category of clients, a loan from Sovcombank will not only please with interesting conditions for all categories of borrowers, but will make it possible for every interested client to obtain maximum information on the bank’s official website, choose a loan program, evaluate its conditions and, using an online calculator, calculate the term and amount of payments.

How to get a loan from Sovcombank

The bank's website contains the entire list of loan programs. Having selected an interesting offer, the client will find on its page a description of the program, loan conditions, and required documents. On the program page there is a button “Apply for a loan”, which opens the online application page. The client fills it out and sends it to the bank. Review of the application takes 2-3 days. After this, the bank manager will contact the client by telephone with an offer to come to the bank with the package of documents required for the selected program.

Cash

Several loan programs at Sovcombank offer consumer loans in cash. The maximum loan amounts depend on the program chosen and the required collateral. For instant loans, this amount will be 40 thousand rubles; standard programs have a limit of 300 thousand rubles. When lending secured by a car, the maximum loan amount will be 1 million rubles. Sovcombank provides the largest loan amounts up to 30 million rubles against real estate.

Consumer loan at Sovcombank

Almost all loans offered at Sovcombank are consumer loans. This is a non-targeted type of lending, in which the borrower independently decides which part of the loan to use and for what purposes. When purchasing household appliances, furniture and other goods in shopping centers, consumer product loans of up to 200 thousand rubles are issued at the point of purchase in the bank’s mobile office. After signing the loan agreement, the bank pays the seller the full cost of the goods by bank transfer, the client takes the purchased goods and settles with the bank through monthly payments.

Sovcombank's offers contain a full range of lending programs, including mortgages, preferential, special programs with low interest rates for socially vulnerable citizens, military personnel, and young families. This is one of the few banks offering loans to people whose retirement age reaches 85 years. Many financial services programs do not require proof of income, and clients with a good credit history receive a positive decision and the opportunity to receive money in cash.

Car loans

A loan from Sovcombank for the purchase of vehicles from individuals is called “Autocredit”. Under this lending program, the collateral will be the purchased car. There are three varieties of this program. The “Hand to Hand” subprogram for purchasing used cars has a rate of 19% per annum, and the maximum amount is 1 million rubles, but not more than the price of the pledged car. The Changan subprogram will offer up to 2 million rubles for a new car with the following conditions:

Duration, months

Annual rate

base rate, %

Increasing % on down payment

Without income certificate

Lending terms

Sovcombank, offering a large list of credit programs on general terms, provides each of its clients with the opportunity to choose and sign Individual terms of the agreement. All Borrowers are offered a Voluntary Financial and Insurance Protection Program. Under this program, the bank, at its own expense, carries out all actions to obtain insurance for the client against death, permanent total disability, involuntary loss of work, and the initial diagnosis of a fatal disease in the borrower.

The program is a separate paid service of the Bank and includes, in addition to a full list of the bank’s actions on behalf of the client regarding insurance, connection to Internet banking, SMS notifications, and an even larger list of additional services. These include the bank’s obligation to reduce the interest rate when the borrower transfers salary and pension cards to Sovcombank. A characteristic feature of instant loans is the ability to issue loans without proof of income, only with a positive credit history.

Interest rates and payment type

Annual interest rates for consumer lending programs vary from 12 to 35%. Rates depend on the documents provided confirming solvency, the maximum amount, and the loan term. Individually, the client has the right to choose an acceptable method of repaying the loan. Borrowers often choose an annuity form of monthly payments. In this case, payments are made in equal amounts. Its disadvantage is that in the first period of lending, the part of the payment amount that repays the loan body is less than the share of the annual interest on the loan.

Credit term

Loan programs at Sovcombank indicate the average terms of loans. The Individual Terms of Consumer Lending specifies the date on which all of the borrower’s obligations under the loan agreement to the bank must be repaid. The maximum loan terms range from 12 to 60 months. Different loan terms and programs are designed to solve specific customer problems. Extending these terms will lead to an increase in overpayments by the client for consumer goods purchased with credit funds.

Amount and terms of repayment

When receiving a loan from Sovcombank, the client will be provided with a multifaceted service, including a free debit card with instant activation. It is the main tool for all bank transactions. This card provides the opportunity to receive credit funds, top up a deposit or pay a loan fee. Amounts from 40 to 300 thousand rubles are issued without collateral. A consumer loan secured by a car offers a loan of up to 1 million rubles, and the client will receive from 300 thousand to 30 million rubles secured by real estate.

Loan repayment is carried out using a bank card at bank offices, self-service terminals, and Russian Post branches. Under individual conditions, early repayment of debt is possible subject to prior submission of an application indicating the amount and date of this operation. The advantage is that for borrowers who meet payment deadlines, avoid late payments, and transfer salary and pension cards to this bank, the cost of the loan is reduced by reducing the interest rate.

How to calculate a Sovcombank loan - loan calculator

On the Sovcombank website in the loan program sections there is a loan calculator. With its help, the client has the opportunity to calculate and plan all the parameters of a future loan. To do this, you need to select a program, enter the required amount, term and method of repayment. The result will show the amount of monthly payments and the total overpayment on the loan. With the annuity form of repayment, one payment amount is displayed, and with a differentiated form, a payment schedule is displayed until the entire debt is repaid.

Requirements for the borrower

When lending against collateral, liquid property and cars are accepted. Liquid real estate located in Moscow, St. Petersburg and their suburbs is accepted for collateral. Mandatory requirements for the borrower to approve a loan from Sovcombank are:

  • Availability of a passport of a citizen of the Russian Federation with constant registration for at least the last 4 months.
  • Accommodation in a region where there is a Sovcombank branch.
  • The borrower's age is from 22 to 85 years. The loan term must end before age 85.
  • Official employment.
  • Work experience at the last place of work for at least 4 months.

Loan application procedure

To obtain a loan, submit an application online or at a bank office. Its consideration takes place within 2-3 days. After this, the client is invited to complete documents at the nearest bank branch. The client is asked to consider the individual terms of the contract and the Voluntary Financial and Insurance Protection Program for Borrowers. After providing originals and copies of the necessary documents and signing contracts, the client receives a payment card with the amount of credit funds credited to it. The borrower does not pay additional commissions or fees.

Online application for a loan at Sovcombank

It is possible to apply for a loan online from Sovcombank. On the page of each program there is a button “Apply for a loan”. In order to fill out an application, on its page enter the amount and term of the loan, indicate your last name, first name, patronymic, date of birth, region of residence, telephone number and email address. After filling out all the data, after reviewing the application, the client is invited to apply for a loan at the office. The borrower receives a quick cash loan; refusals occur only for serious reasons.

Documents for obtaining a loan

An application for a consumer loan at Sovcombank must include documents from the following list:

  • passport of a citizen of the Russian Federation with registration in the region where the loan is ordered;
  • one of the additional documents to choose from – SNILS or driver’s license;
  • vehicle registration certificate;
  • vehicle passport;
  • MTPL insurance policy;
  • consent of the spouses.

Loans from Sovcombank for individuals

Sovcombank’s line of consumer loans includes 12 programs, a detailed description of which is on the “Loans” tab of the bank’s official website. Each program offers a choice of several lending options, differing in term, interest rate, and documents required to obtain a loan. Such a wide range of credit products covers customers with different capabilities and purposes for obtaining credit funds. The bank's programs for restructuring and refinancing loans from other banks and improving credit history are interesting.

Cash loan “12% +”

Favorable loan offer from Sovcombank with a minimum rate for officially employed citizens of the Russian Federation with permanent registration in Russia:

  • up to 100 thousand rubles
  • up to 12 months
  • at 12% per annum

Loan secured by car

Take a loan from Sovcombank in cash for any purpose, secured by a technically sound vehicle no older than 19 years old, which is not under collateral.

  • from 50,000 to 1,000,000 rubles
  • from 3 to 60 months
  • 17% rate for intended use of more than 80% of funds
  • rate 19% for intended use of less than 80% of loan funds

Cash loan “For those responsible +”

Sovcombank loans are provided to individuals - clients of the Bank, who can provide, in addition to the passport of a citizen of the Russian Federation, a diploma of higher education (secondary specialized education) or a marriage certificate:

  • from 40 to 300 thousand rubles
  • from 12 to 36 months
  • the rate is 29.9% when the intended use is less than 80% of the loan funds. This offer contains conditions for reducing the rate by 5% for regular transfers of funds, when repaying a loan from a card of another bank through the Best-Tu-Pay service or receiving a pension or salary

Credit "Pension +"

Sovcombank has a program that allows you to take out a consumer loan for working and non-working pensioners under the age of 85 without certificates, guarantors or collateral.

  • from 40 to 300 thousand rubles
  • from 12 to 36 months
  • rate 19.9% ​​for intended use of more than 80% of funds
  • the rate is 29.9% when the intended use is less than 80% of the loan funds. This offer contains conditions for reducing the rate by 5% when transferring money, when repaying a loan, from a card of another bank through the Best-Tu-Pay service.

Loan "Standard Plus"

Consumer loan from Sovcombank for any purpose using a passport of a citizen of the Russian Federation and one of the documents of the borrower’s choice: tax registration certificate, medical insurance policy, driver’s license, military personnel ID, military ID, foreign passport, insurance pension certificate, pension certificate:

  • from 40 to 300 thousand rubles
  • from 12 to 36 months

Credit "Express +"

For many clients, an instant cash loan “Express Plus” is convenient, which the bank can issue only with a passport of a citizen of the Russian Federation. The client spends the money at his own discretion on the purchase of personal or business goods, payment for repairs or treatment.

  • from 5 to 40 thousand rubles
  • for a period of 6, 12, 18 months
  • rate 24.9% for the intended use of more than 80% of funds
  • the rate is 34.9% when the intended use is less than 80% of the loan funds.

Which loan to choose

Name

Max. amount, thousand rubles

Min. bid %

Max. term, months

Payment type

Express Plus

annuity

Standard Plus

annuity

Super Plus

annuity

Pension Plus

annuity

For those in charge Plus

annuity

annuity

Secured by car

annuity

Video

Found an error in the text? Select it, press Ctrl + Enter and we will fix everything!