Dear Clients!

In connection with the increasing cases of customer requests with information about calls received from prospective bank employees on the issue of obtaining information about personal (personal) data (passport data, card numbers, availability of deposits, etc.), we inform you.

In the event that individuals did not file an application for a loan, including through remote banking channels (, the bank's corporate website, information kiosk, contact center), or the application was sent erroneously with its subsequent cancellation, bank employees personal information (passport data, account numbers, account balances, etc.) are not requested.

In addition, please note that it is necessary to store (non-disclose) card details (number, expiration date, CVC2/CVV2 code value), as well as other confidential information: 3-D Secure password, login and password for entering the Internet banking system , code card data for entering the Internet banking system, SMS banking registration code, any one-time SMS codes sent by the Lender, etc.

Dear Clients!

WITH 01.08.2019 the conditions for repayment of interest under loan agreements valid as of August 1, 2019, concluded on the terms determined by the Bank, as well as in accordance with Decree No. 368, have changed. The Public Offer (Proposal) for concluding an additional agreement to the loan agreement can be found below.

Public offer (proposal) to conclude an additional agreement to the loan agreement

This document, posted on the Internet on the website at www.asb.by by the Open Joint Stock Company Savings Bank Belarusbank, hereinafter referred to as the Bank, as well as in the newspaper SB - Belarus Today, is a public offer, that is, the Bank’s proposal to change the terms of interest repayment under loan agreements in force as of August 1, 2019, concluded on the terms determined by the Bank, as well as in accordance with Decree of the President of the Republic of Belarus dated June 2, 2006 No. 368 “On measures to regulate relations with gasification of the operated housing stock of citizens with natural gas "(hereinafter - Decree No. 368), according to which the payment of interest for the use of the loan is carried out in the amount accrued on the balance of the debt for the period ( depending on the conditions of the concluded valid loan agreement):

from the date of the last payment (day of issuance of the loan) to the day preceding the day of repayment of the payment (inclusive);

from the day following the day of the last payment (the day following the day the loan was issued) until the day the payment is repaid (inclusive).

The Bank considers itself, on the terms specified in this offer, to have concluded an additional agreement to the loan agreement with an individual, hereinafter referred to as the "Lender", which, subject to the terms of this offer, in the manner prescribed by this offer, will respond to this offer (accept the offer).

Acceptance of this proposal (conclusion of an additional agreement to the loan agreement on the conditions set forth below) is the making by the Borrower of the next payment for the payment of the loan and (or) payment of interest for using it.

1. The conditions for repayment of interest for the use of a loan shall be stated as follows:

“At the payment made in case of acceptance of this offer, interest accrued on the balance of the debt for the period from the date of the last payment or from the day following the day of the last payment is paid , on the last day of the previous month.

If the above payment is simultaneously the first scheduled payment from the moment of conclusion of the loan agreement, then the interest accrued on the amount of the issued loan for the period from the day following the day the loan was issued to the last day of the month in which the loan (part of the loan) was issued is paid.

If the above payment is also the last payment, then interest accrued on the balance of the debt for the period from the date of the last payment to the day preceding the day of the full repayment of the loan (inclusive), or from the day following the day of the last payment, to the day of the full repayment of the loan ( inclusive) (depending on the terms of the current loan agreement concluded).

In subsequent payments, interest accrued on the balance of the debt for the period from the first to the last day of the previous month is paid.

At the last payment, interest accrued on the balance of the debt for the period from the first day of the previous month to the day preceding the day of the full repayment of the loan (inclusive), or until the day of the full repayment of the loan (inclusive) (depending on the terms of the current loan agreement concluded).

For loans using credit cards, if there are debit transactions that were not taken into account during the calculation of interest for using the loan, the Lender adjusts the amount of interest for using the loan in the month in which the debit transactions are reflected on the account for recording the loan without attributing the unpaid amounts to the account of overdue interest payments. .

2. Conditions for early repayment (repayment) of the loan shall be stated as follows:

under loan agreements for real estate financing, as well as in accordance with Decree No. 368 - “The borrower has the right to make early full repayment of the loan with simultaneous payment of interest for the actual time of using the loan or partial repayment of the loan, in which the early repaid amount is counted towards the repayment of future payments on the loan or at the request of the Borrower, payments on the loan are recalculated with the conclusion of an additional agreement to this agreement indicating the amounts of payments on the loan, recalculated based on the balance of the debt on the loan and the remaining number of payment periods. ”;

under loan agreements for consumer needs (with the exception of the “Time-tested” loan and loans for consumer needs, the repayment of payments for which is carried out in accordance with the repayment schedule) - “The borrower has the right to make full early repayment of the loan with simultaneous payment of interest for the actual time of using the loan during the term of the loan agreement. Early repayment of part of the loan is allowed with the payment of interest for the actual time of using the loan. At the same time, the early repaid part of the loan is counted towards the repayment of future payments under the loan agreement or, when the Borrower applies, the loan payments are recalculated with the conclusion of an additional agreement to this agreement indicating the amounts of loan payments recalculated based on the balance of the debt on the loan and the remaining number of payment periods ;

under loan agreements for consumer needs, the repayment of payments for which is carried out in accordance with the repayment schedule, under the “Time-tested” loan - “The borrower has the right to make full early repayment of the loan with simultaneous payment of interest for the actual time of using the loan during the period of the loan agreement. Early repayment of part of the loan is allowed with the payment of interest for the actual time of using the loan.

3. The additional agreement to the loan agreement provided for by this offer shall enter into force upon acceptance of this offer and shall apply to the relations of the parties from 08/01/2019.

Information on payment of loans in the ERIP system

WITH 01.09.2019 in the ERIP system, a service was introduced to pay for the loan of Belarusbank JSC for the current period in Belarusian rubles.

Payment of credits is made from the 2nd business day to the 25th day of the month inclusive (except for overdue payments, full repayment of the loan, payments of future periods).

The service is available in self-service devices and remote channels of other banks, as well as RUE "Belpochta" and is located in the ERIP tree - "Settlement (ERIP)" / Banking services / Banks, NKFO / Belarusbank / Loan payment (current period).

It is possible to pay for loans issued in the institutions of the bank in Minsk and the Minsk region, Mogilev and the CBU of the Mogilev region No. 701 Belynichi, No. 706 Bykhov, No. 711 Klichev, No. 715 Krugloe, No. 723 Slavgorod, No. 725 Chausy, No. 726 Shklov, No. 728 Dribin.
Access to the service for paying for loans issued in bank institutions throughout the country will be provided in stages.

To make a loan payment and identify the client, it is necessary to fill in the field with the name:

To fill in the "Payment details" field, a hint is provided:

To display the loan requirement, we pay attention to the correctness of the data entered, i.e. a separator is used between the number of the loan agreement and the last three digits of the passport *

Payment of the loan for the current period is made according to the invoiced payment (adjustment of the payment down is possible).

It should be borne in mind that, according to the terms of operation of the ERIP system, the funds for the payment made will be credited to the Lender's account on the next banking day.

Under the terms of the loan agreement, the date of return (repayment) of the loan, payment of interest for the use of the loan is the day on which the funds are credited to the Lender's account or paid in cash to the Lender's cash desk.

Attention! During the period of the restriction (from the 26th day of the month to the first business day (inclusive)) on payment of a loan by JSC ASB Belarusbank in the ERIP system, it is possible to make a payment in a cashless manner, including using the systems of JSC ASB Belarusbank Internet banking , M-banking, through information kiosks of JSC ASB Belarusbank, as well as by depositing cash at the cash desk of JSC ASB Belarusbank.

Information on repayment of loans

JSC "ASB Belarusbank" informs about the change in the numbers of loan agreements for individuals received in branch No. 714, CBU No. 708, 710, 712, 713, 721, 724, 727.

In connection with the closure of branch No. 714 in the city of Krichev, JSC "ASB Belarusbank" informs about the change in the numbers of loan agreements for individuals.

When making transactions to repay loans received at branch No. 714, CBU No. 708, 710, 712, 713, 721, 724, 727, you must enter the numbers “714” before the number of your loan agreement.

For example: before the change in the number of the loan agreement No. ХХХХХХ, after the change No. 714ХХХХХХ.

JSC "ASB Belarusbank" informs about the change in the numbers of loan agreements for individuals received in branch No. 700, CBU No. 701, 706, 711, 715, 723, 725,726, 728.

In connection with the closure of branch No. 700 - Mogilev regional department of JSC "ASB Belarusbank" informs about the change in the numbers of credit agreements of individuals.

When making transactions to repay loans received at branch No. 700, CBU No. 701, 706, 711, 715, 723, 725,726, 728, you must enter the numbers "700" before the number of your loan agreement.

For example: before the change in the number of the loan agreement No. ХХХХХХ, after the change No. 700ХХХХХХ.

This loan repayment procedure is not applicable to loan agreements, the numbers of which begin with No. 795xxxxxxxx.

JSC "ASB Belarusbank" informs about the change in the numbers of loan agreements for individuals received at branch No. 633, as well as at CBU No. 607, 609, 613, 615, 620, 623.

In connection with the closure of branch No. 633, JSC "JSSB Belarusbank" informs about the change in the numbers of loan agreements for individuals.
When performing operations to repay loans received at branch No. 633, as well as at CBU Nos. 607, 609, 613, 615, 620, 623, you must enter the numbers "633" before the number of your loan agreement.
For example: before the change in the number of the loan agreement No. ХХХХХХ, after the change No. 633ХХХХХХ.

This loan repayment procedure is not applicable to loan agreements, the numbers of which begin with No. 795xxxxxxxx.

JSC "ASB Belarusbank" informs about the change in the numbers of loan agreements for individuals received at branch No. 612, as well as at CBU No. 602, 610, 616, 621.

In connection with the closure of branch No. 612, JSC ASB Belarusbank informs about the change in the numbers of loan agreements for individuals.
When making transactions to repay loans received at branch No. 612, you must enter the numbers “612” before the number of your loan agreement.
For example: before the change in the number of the loan agreement No. ХХХХХХ, after the change No. 612ХХХХХХ.

This loan repayment procedure is not applicable to loan agreements, the numbers of which begin with No. 795xxxxxxxx.

JSC "ASB Belarusbank" informs about the change in the numbers of loan agreements for individuals received at branch No. 601, as well as at CBU No. 619, 632.

In connection with the closure of branch No. 601 and the technical work to upgrade the software, JSC "JSSB Belarusbank" informs about the change in the numbers of loan agreements for individuals.
When making transactions to repay loans to individuals received at branch No. 601, you must enter the numbers “601” before the number of your loan agreement.
For example: before the change in the number of the loan agreement No. ХХХХХХ, after the change No. 601ХХХХХХ.

This loan repayment procedure is not applicable to loan agreements, the numbers of which begin with No. 795xxxxxxxx.

JSC "ASB Belarusbank" informs about the change in the numbers of loan agreements for individuals received in the branch No. 500 - Minsk Department, as well as in the CBU No. 605, 606, 611, 624, 625, 626, 627

In connection with the closure of branch No. 500 - the Minsk Department, the creation of the Minsk Regional Department No. 500 on its basis and the implementation of technical work to upgrade the software, JSC "JSSB Belarusbank" informs about the change in the numbers of loan agreements for individuals.
When making transactions to repay loans to individuals received at branch No. 500, as well as at CBU No. 605, 606, 611, 624, 625, 626, 627, you must enter the numbers “500” before the number of your loan agreement.
For example: before changing the loan agreement number No. 2425000000001, after changing No. 5002425000000001.

This loan repayment procedure is not applicable to loan agreements, the numbers of which begin with No. 795xxxxxxxx.

JSC "ASB Belarusbank" informs about the change in the numbers of loan agreements of individuals received in branch No. 514

In connection with the closure of the branch No. 514 in Minsk, the creation on its basis of the CBU No. 514 in Minsk and the technical work to upgrade the software, Belarusbank JSC informs about the change in the numbers of loan agreements for individuals.
When making transactions to repay loans to individuals received at branch No. 514, you must enter the numbers “514” before the number of your loan agreement.
For example: before changing the loan agreement number No. 2425000000001, after changing No. 5142425000000001.

This loan repayment procedure is not applicable to loan agreements, the numbers of which begin with No. 795xxxxxxxx.

JSC "ASB Belarusbank" informs about the change in the numbers of loan agreements of individuals received in branch No. 614

In connection with the closure of branch No. 614 and the technical work to upgrade the software, JSC "JSSB Belarusbank" informs about the change in the numbers of loan agreements for individuals.
When making transactions to repay loans to individuals received at branch No. 614, you must enter the numbers "614" before the number of your loan agreement.
For example: before the change in the number of the loan agreement No. ХХХХХХ, after the change No. 614ХХХХХХ.

This loan repayment procedure is not applicable to loan agreements, the numbers of which begin with No. 795xxxxxxxx.

Proposal to change (extend) the maturity of payments for December 2018 on overdrafts and interest on overdrafts (public offer)

www.asb.by Open Joint Stock Company “Savings Bank “Belarusbank”, hereinafter referred to as the BANK, is a public offer, that is, the BANK’s offer to change (extend) the term for making an overdraft payment and pay interest for using an overdraft under current account agreements containing terms of overdraft lending, concluded in the OPERA of the Head office, CBU No. 524, branch No. 527.

The BANK considers itself, on the terms specified in this offer, to have concluded an additional agreement to the current account agreement containing the terms of overdraft lending with an individual, hereinafter referred to as the BORROWER, who, subject to the terms of this offer, in the manner prescribed by this offer, will respond to this offer (accepts the offer).

The acceptance of this offer (the conclusion of an additional agreement to the current account agreement containing the terms of overdraft lending on the terms set forth below) is the payment by the BORROWER of the payment for December 2018 for the overdraft and the payment of interest for using it.

The additional agreement provided for by this offer to the current account agreement containing the terms of overdraft lending shall enter into force upon acceptance of this offer and shall apply to the relations of the parties from 01/03/2019.

Conditions of an additional agreement to the current account agreement containing the terms of overdraft lending

The LENDER undertakes to make payments on the overdraft and pay interest for the use of the overdraft for December 2018 no later than 03.01.2019 (inclusive).

Proposal to change (extend) the maturity of payments for December 2018 under loan agreements (public offer)

This document posted on the Internet on the website at: www.asb.by by the Open Joint Stock Company "Savings Bank "Belarusbank", hereinafter referred to as the BANK, is a public offer, that is, the BANK's proposal to change (extend) the payment deadline on a loan and payment of interest for using a loan for December 2018, under loan agreements concluded at the OPERA of the Head Office (except for loans issued using the Internet banking system), CBU No. 524, branch No. 527 and at the Mortgage Office.

The BANK considers itself, on the conditions specified in this offer, to have concluded an additional agreement to the loan agreement with an individual, hereinafter referred to as the BORROWER, who, subject to the terms of this offer, will respond to this offer (accept the offer) in the manner prescribed by this offer.

The acceptance of this offer (the conclusion of an additional agreement to the loan agreement on the conditions set forth below) is the payment by the BORROWER of the payment for December 2018 to pay the loan and pay interest for using it.

The supplementary agreement to the loan agreement provided for by this offer shall enter into force upon acceptance of this offer and shall apply to the relations of the parties from 01/03/2019.

Conditions of the supplementary agreement to the loan agreement

The BORROWER undertakes to make payments on the loan and pay interest for the use of the loan for December 2018 no later than 03.01.2019 (inclusive).

Loan selection

Decided to take a loan, but do not know which one to choose? Our loan selection service will help you choose a loan based on your needs. Enter your preferred options and compare the available options.

Consumer loans

JSC "JSSB Belarusbank" provided consumer loans for any needs in terms of ease of use and repayments on loans for the purchase of a car, training, purchases of goods and services, as well as other needs.

Installment card

Need additional funding? – We offer an easy and profitable solution to financial problems, which will allow you to pay both on the territory of the Republic of Belarus and abroad, not only with your own funds, but also at the expense of the bank, thanks to the overdraft service on the Magnit installment card.

Overdraft lending

Do not like to borrow money, but your own funds are not always enough for your needs? - Take advantage of all the benefits of an overdraft - a short-term loan provided by the bank through a debit bank payment card.

Real estate loans

Thinking about buying an apartment or building a house? – We offer financial assistance in the form of a loan for the construction or purchase of real estate, including as part of state support for citizens or in shared construction.

Just started working, but you need to buy a lot of things, but there is not enough money for everything? Or maybe you dream of getting a good education, but it is expensive? Perhaps you are planning to have a baby using IVF? – For all these purposes and not only, we have developed a whole line of soft loans.

We offer leasing services for individuals. At affordable prices, you can buy vehicles, real estate, durables or goods under joint programs on lease. For the convenience of calculating payments, a leasing calculator has been developed.

mortgage office

We will help you quickly and profitably resolve the issue of buying an apartment on credit. To provide a full range of services for real estate transactions, the first mortgage office in the country has been opened, where you can get comprehensive advice on registration and issuance of loans for housing.

The course of consideration of an application for a loan (overdraft)

Have you applied for a loan (consumer or overdraft) and want to know what stage it is in? – We suggest using a specially designed online service for these purposes.

Belarusbank is the largest bank in the Republic of Belarus. The bank provides all types of banking services (crediting, deposits, settlement and cash services, leasing, factoring, exchange operations, collection, etc.).

Belarusbank devotes a huge amount of time to developing its retail business, analyzing demand, creating competitive offers, introducing new technologies, and expanding its branch network.

The bank placed special emphasis on lending to the population. Let's talk about consumer loans in more detail.

Lending terms

Belarusbank offers its customers various types of consumer loans. Here you can get both a targeted loan and a loan for any needs.

The bank often develops special consumer loans, for example, to collect a child for school, with reduced rates and the most transparent conditions. The credit institution does not forget about young families either.

For them, unique programs have also been developed with low rates in the first month of using borrowed funds. In general, each borrower will be able to get a loan with the most favorable conditions for himself.

Clients should also know that not only a citizen of the Republic of Belarus, but also citizens of other countries and even stateless persons permanently residing in the country and having documents for legal residence can apply for a consumer loan.

To apply for a loan, it is enough for a client to collect a small package of documents, consisting of a passport and income statement. The amount of the loan depends only on the solvency of the client.

Loans are issued on the security of property, deposit, surety or insurance. Interest rates depend on the chosen program, amount and period of crediting.

Loan processing takes place as soon as possible.

How to apply?

In Belarusbank, a consumer loan is issued as follows:

• a client application form is submitted, which is analyzed and an initial decision is made;

• the client is invited to the office with documents that the bank studies and makes a final decision;

• the bank employee prepares the necessary documents, after they are signed by both parties, the money is transferred to the client's account.

Online application

An application by a potential client can also be left remotely.

To do this, you must enter personal data, as well as indicate information on the requested loan.

If the bank makes a positive decision, the client needs to personally come to the office with the documents for further processing of the loan.

Bank offers

Belarusbank offers a variety of targeted and non-targeted consumer loans. The table contains all the offers of the bank with the main conditions.

All figures given are base. Interest rates, limit, period, are calculated for each borrower individually after providing all the requested documents.

Credit	Purpose of lending	Bid	Amount, Belarusian rubles	Period
Happy update	Refinancing	from 24%	No more than the balance of the debt	Up to 5 years
Summer with Belarusbank	Any need	12,22%	Within the client's ability to pay	Up to ½ year
Consumer credit		From 24%	Up to 8 000	Up to 5 years
Young family		11,5, 23%	Up to 5 000	Up to 2 years
serious plans		24%	Within solvency	Up to 3 years

Consumer loan in Belarusbank without guarantors

Many customers ask quite a natural question whether it is possible to get a consumer loan without a guarantee.

Belarusbank usually offers loan agreements with collateral, which is collateral, securities, cash (deposit) or a guarantor.

If a potential borrower does not have the opportunity to provide such collateral, the bank offers to take out insurance (insurance of the risk of non-payment of the loan).

In this case, the client does not need to look for guarantors or transfer collateral to the bank.

In addition, the client will be able to do without providing a certificate of income if he receives wages through Belarusbank.

Package of documents

To apply for a loan, the borrower personally comes to the bank's office and provides the responsible officer in Belarusbank with:

• copy and original of the civil passport;
• certificate of receipt of income for three months (if the client receives wages through Belarusbank, an account statement is sufficient).

The bank also asks for certificates of credit debt, consent to the processing of personal data and some other certificates, the validity of which does not exceed 15 days.

If a pledge (real estate, car) or a guarantee is required when applying for a loan, then, accordingly, the bank will request additional documentation.

Maximum and minimum amounts

Amounts on consumer loans in Belarusbank are determined individually for each borrower after they provide documentary evidence of their income.

The limit can be increased only if a surety or collateral is involved.

Interest

Interest rates on consumer loans in Belarusbank are determined after analyzing the client's income, solvency, etc.

The table shows the basic indicators in the context of each program:

The bank also offers other types of targeted consumer loans, for example, loans for the purchase of goods in stores with which the bank has entered into appropriate agreements or loans that help get the child ready for school (purchase clothes, stationery, etc.).

Requirements

Not only citizens of the Republic of Belarus, but also stateless persons or foreign citizens who permanently reside in the country and have a permanent legal source of income will be able to get a consumer loan (targeted or for any needs) in Belarusbank.

Mandatory requirements are: age and legal capacity.

If an individual who applies for a youth loan applies to the bank, then age limits are set for him. Youth loans are issued to persons under 31 years of age.

Timing

The loan period depends on the program chosen by the client. Seasonal loans, for example, Summer with Belarusbank, can be obtained for a period of up to six months, while other loans are provided for 1-5 years.

Any loan can be repaid ahead of schedule, fines and commissions for such operations are not charged.

Payouts

The client can repay the debt to the bank in any way convenient for him.

Payments can be made through the bank's cash desk or remotely. You can also repay the loan through other banks or financial institutions.

However, it should be remembered that the transfer of funds through other organizations provides for an additional commission.

Clients should also understand that late or incomplete repayment of debts will lead to the accrual of penalties and an increase in the amount of debt.

Want to learn how to get a cash loan for unemployed people with bad credit? Then you should read.

Advantages and disadvantages

Belarusbank is a fundamental bank in the Republic of Belarus. This financial institution serves a huge number of individuals, most of which only speak positively about it.

For individuals, the bank offers many different products, including credit products, which have many positive aspects:

• several targeted and non-targeted consumer loans;
• minimum documents for registration;
• operational work on verification and preparation of the loan agreement;
• for youth loans and special offers reduced rates in the first month of using the loan;
• registration without guarantee and pledge is possible;

• credit insurance at the request of the client (without insurance, a guarantor or collateral is required);

• many debt repayment options, including Autopay, M-banking.

You should not look for negative aspects in credit programs from Belarusbank.

A financial institution always offers a variety of lending options, each borrower will be able to find a solution that is beneficial for himself.

JSC "Belarusbank" is the state bank of the Republic of Belarus. The company is active not only with legal entities, being a backbone financial institution, but also widely distributed in the market of individuals. This organization offers a full range of banking services, but in this article we will talk about what loans Belarusbank provides.

About the bank

Before deciding which bank to take a loan from, you should study the reliability of the company. Belarusbank is the largest organization in the republic. The degree of representation of this bank is comparable to Sberbank in Russia. True, unlike the Russian counterpart, the Belarusian neighbor is almost completely state-owned, since more than 98% of the shares belong to the Republic of Belarus, while the Central Bank, independent of the state, is the shareholder of Sberbank (50% plus one share).

The beginning of its activity Belarusbank counts from 1922. The company provides loans to more than 90 thousand legal entities and private entrepreneurs, including the largest industrial companies. Also, the activities of the organization are directed to the international arena. The bank has representative offices in Russia, China, Germany, as well as a wide network of partners and investment projects around the world.

The peculiarity of consumer loans of Belarusbank is that the offer directly depends on the refinancing rate. In the Russian market, standard supply and demand relations act as a regulator.

The interest rate on loans in this bank depends on the current refinancing rate and the loan term. In this case, the rate is floating. This means that if the bank changes the refinancing rate in the course of consumer lending, then it automatically changes in the contract. Consider the current offers of consumer loans of this bank.

At the time of this writing, the refinancing rate adopted in October 2017 was in force in the Republic of Belarus and amounted to 11%. The maximum amount is determined on an individual basis and depends directly on the solvency of the borrower. At the same time, the banking company does not set a certain limit.

Only the solvency of the client is limited. It is believed that the confirmed income of the borrower should not exceed 15 base units. Thus, the company avoids a clear formulation of the maximum loan amount, expressed in specific figures.

Both citizens of Belarus and foreigners, and even stateless persons can apply for a loan at Belarusbank. The main requirement for potential clients of a banking organization is that the potential borrower has a permanent place of residence in the republic. It also requires income, which is generated in Belarus. It is possible to issue a loan for consumer needs without guarantors.

Required documents

To get a cash loan in this banking institution, you will need to prepare a set of documents from the following list:

• passport. Banking specialists will need a copy, but you also need to have the original with you;
• if a guarantor is provided for a consumer loan in cash, then a copy of the passport will also be required, but the original will also be required for presentation;
• application for permission to check credit history for all parties to the agreement. Such an application is created both in the bank department and independently in the National Belarusian Bank;
• application for reconciliation of personal data of potential loan participants in Belarusbank;
• income statement. The document can be requested directly from a banking institution to be filled out at the place of work.

Getting a loan from Belarusbank is possible without certificates and guarantors. It is necessary to confirm your income if, in the opinion of the bank, the requested amount exceeds the solvency of the borrower.

For pensioners receiving a pension to an account with Belarusbank, as well as receiving a salary on a card from this bank, it is also not necessary to provide income statements. It will be enough for the bank specialist to generate an account statement for the last three months.

If a consumer loan is issued by an individual entrepreneur, then he needs to prepare additional documentation. This help package will include:

• certificate of state registration as an entrepreneur. As well as providing a license if necessary. We need the originals;
• documents confirming monthly income;
• cash flow statement in a bank account for the last three months. It may not be provided if the activity is carried out without opening an account;
• tax payment documentation;
• also, specialists of the banking department for registering credit transactions may request additional financial documents that confirm the solvency of a potential borrower in order to determine the degree of risk of such a transaction and the possibility of lending.

Loans for consumer needs can be obtained in several ways:

• contact the bank branch with documents;
• submit an application through the website of a banking organization online;
• call the hotline.

Specialists will check the credit history and provided documentation and contact the client within three working days. After that, you will need to go to the bank branch with the original documents to complete the transaction and receive funds. If a guarantee is issued, then it is necessary that the guarantor leaves his signature in the contract, and you also need to provide his original documents.

It is possible to submit an application electronically, to receive a response - also remotely by mobile phone or mail. From the date of a positive decision, you can withdraw money within 30 days. If funding is not received within this period, the application will need to be re-applied.

To apply remotely, you need to select "Consumer lending" in the "Loans" section. Then click on the "Loan Application" menu. At the bottom of the page there will be a link called "Application for a loan".

Before applying, you should decide on the type of loan. Standard offers differ only in term and interest rate, there are also special options, which we will talk about later. After choosing the name of the program, the system will show the term and interest rate.

Next, you will need to fill in the data on possible income and expenses. At this stage, we recommend that you provide reliable information, because if experts believe that the borrower is intentionally entering incorrect data or trying to hide any information, then most likely a negative decision will be made on the possibility of lending.

After that, the system will calculate the maximum available amount, as well as offer an option for the size of the monthly payment. It will be divided into payments on the body of the loan and interest on the loan agreement.

Next, you will need to fill in contact and personal information: information on the place of residence and registration, passport data, family composition and others. Thus, the application will be formed and transferred to work. After 3 working days, you can expect feedback from the company with a positive decision.

With the help of the refinancing program, you can pay off your current debt by drawing up an agreement with Belarusbank. The company will make payments by closing the contract, while the debt will be registered in Belarusbank on new, more favorable terms for the borrower. In this way, you can repay both loans in this bank and agreements that were drawn up in other financial institutions of the Republic of Belarus.

Interest under the agreement is also assigned floating and depends on the refinancing rate. The maximum duration of lending reaches 10 years in the case of mortgage lending and up to 7 years under consumer loan agreements. And the rate in both cases is equal to the refinancing rate from the National Bank + 3%.

In addition to the standard requirements, the banking organization puts forward additional conditions for refinancing:

• the contract, which is the object of refinancing, must be drawn up for the same individual;
• The loan has no current overdue debt. In the course of payments, no more than two delays with a duration of 8 days or more were allowed;
• more than two months have passed since the date of financing of the loan;
• according to the actual repayment schedule, at least three months remain until the end of the loan term.

Additional documents

In addition to the basic information, the bank will need to provide a certificate from the current lender, which contains the following information:

• Full name (for whom the contract is drawn up);
• the amount of current debt;
• information about the presence or absence of a current delay;
• details of the company where you need to transfer money to close the contract;
• account statement, which reflects information on the transfer of funds.

Bank certificates can only be valid for 15 days from the date of their formation.

The main difference between such a service is that Belarusbank can issue a card even to those borrowers who do not have a good enough credit history and are often denied credit.

The card is issued for three years with subsequent automatic reissue. At the same time, the credit limit is renewable. This means that if you deposit money into your account, you can continue to use the credit funds again. Credit terms:

• the maximum amount available is determined on an individual basis;
• floating interest rate equals the refinancing rate + 3% for clients with bad credit history, + 2% for borrowers with good credit history;
• the amount of the monthly payment is 5% of the current debt at the end of the billing period;
• commission for cash withdrawals at the cash desks of third-party banking companies 3% with a minimum of 6.50 rubles;
• through ATMs of third-party banks 2% with a minimum of 3 rubles.

At the same time, when withdrawing, a commission can also be assigned directly to the bank through which the operation is performed. How does Belarusbank distinguish between good and bad credit history?

A banking organization considers the history to be good if the client has not had more than two delays over the past 5 years. In this case, loan agreements with a duration of at least one year are taken into account.

There are age restrictions. The banking institution is ready to cooperate with potential customers whose age is less than 57 years. In addition, the company is not ready to invite third-party borrowers. Credit cards are issued only to those persons who have a current bank account to which funds are received on a permanent basis.

This can be a salary project from the employer or an account to which the employer transfers money or a pension is credited. The main thing is that the earnings should be official and could be documented.

You can also apply online, and standard documents will be required, as in the case of conventional consumer lending.

Belarusbank offers a version of a loan agreement with a minimum interest rate, as well as installment terms.

Internet "Cashless"

The maximum loan duration is up to 1 year. Money can be transferred to the bank account of Belarusbank. The loan amount cannot exceed 5,000 rubles. The interest rate is equal to the refinancing rate. At the same time, during the course of the agreement, the rate remains the same, unless the agreement provides for conditions for changing interest according to a change in the refinancing rate.

Another option involves an interest-free loan. The maximum amount also does not exceed 5,000 rubles. The rate is 0.01%. There are options for issuing a contract from 4 to 12 months. Thus, it is not possible to receive cash, but it is possible to finance a sale and purchase transaction, i.e., receive goods in installments.

So the organization will receive funding from a banking institution, and the client will have a debt to the banking company, but in installments.

Who can use the service

To receive such profitable offers, you must have a bank card that receives wages or other transfers in a stable form for at least the last three months.

A car loan in Belarusbank can be issued both for a new car and a used one. In this case, the age of the machine should not exceed 3 years. Cars can be bought both from dealers and from individuals. You can trade in your current car for a new vehicle.

Agreement conditions

• The maximum term cannot exceed 7 years.
• The interest rate for the first six months is 13%, then it becomes floating and depends on the current refinancing rate + 2%.
• There is no need to make a down payment.
• There is no need to take out casco insurance.
• Lending is provided only under the guarantor.
• The maximum amount will be determined individually.
• Financing is made by transferring money to the account of the seller.
• There is a 6 month grace period available.

Borrowers can be both citizens of the republic, and foreigners or stateless persons, but registered in the country, having an official job and income. Not to confirm their solvency can:

• customers who purchase a Gleely car from a partner "Avtotorgservis";
• borrowers who have a salary project or pension in Belarusbank.

Documentation

In addition to the standard package, you should prepare a document that confirms the transaction with the sale of a vehicle with an individual or legal entity. Other references are relevant, as in the case of obtaining a conventional consumer loan.

This is a loan aimed at financing people receiving full-time education at a school or university. The bank can pay the cost of annual education by transferring money to the account of the educational institution.

The interest rate directly correlates with the refinancing rate. At the time of study, only interest on loans is paid. From the moment of completion of training, the loan is paid in full, while:

• within three years in case of graduation from a secondary educational institution;
• within five years in the case of a higher academic institution.

The banking company does not put forward any additional requirements. It is worth noting the presence of specific references:

• an agreement on paid education;
• a document that will reflect the form of study and terms;
• current certificates of education (certificates, diplomas, etc.).

It will be necessary to confirm the status of a student or pupil annually.

Belarusbank did not bypass this social stratum of the population either. Pensioners of any age can become participants of this type of loan. Cash is issued to a bank card, the interest rate is set as follows:

• 1st year in the amount of the refinancing rate;
• in the future, 1% is added to the floating rate until the end of the term.

When making a special offer on Velvet debit bank cards, interest is distributed as follows:

• 1st year in the amount of the refinancing rate, but minus 3%;
• in the future - refinancing minus 2%.

Only those persons who have the right to receive a pension can act as clients, but people regardless of citizenship can act as guarantors. An additional document is a pension certificate of a citizen of the Republic of Belarus.

Thus, the Belarusian bank provides a full range of loan offers, focusing on all social strata of the population. Taking into account the specifics of the economy, a banking institution associates its products with the rate offered by the national bank of the country.

Belarusbank offers loans for consumer needs to everyone who lives in the Republic of Belarus. This is a great opportunity to make a long-awaited purchase.

In Belarusbank, everyone will find the best loan product for themselves. The bank's specialists did a good job of creating consumer lending programs, thanks to which loans became even more accessible to all categories of the population of the republic.

In this article, we will analyze the current loan programs from Belarusbank. Perhaps someone will like some kind of loan after reading this article.

Belarusbank has a loan that provides for spending on consumer needs. This credit can be used to pay for goods and services, even if they were purchased on the Internet.

Consider the requirements of the bank in relation to its future borrowers and understand who can qualify for this loan.

Requirements of Belarusbank to applicants:

• Capable persons
• Permanent residence in the Republic of Belarus
• Stable source of income in Belarus

It is noteworthy that this cash loan can be issued by both a citizen of the Republic of Belarus and stateless persons residing on a permanent basis in the Republic of Belarus.

So, the following credit conditions are available to the applicant:

• Loan disbursement method: bank transfer or credit card
• Debt payment procedure: actually for the period of using the cash loan
• Loan amount: individually

The loan amount will be calculated based on the borrower's monthly income. By the way, the loan rate will also depend on some factors (agreement / refusal of insurance, loan term, etc.).

Let's call it a standard consumer loan and consider other relevant bank offers aimed at consumer needs.

Loan product "Time to live"

Such a cash loan is designed for consumers who have reached retirement age. However, there is a reservation that persons entitled to receive a pension in accordance with the legislation of the Republic of Belarus can apply for this loan.

Benefits of this loan:

• Lower credit rate
• Possibility to apply for a loan without proof of income
• Customers can buy goods and services online
• The applicant is provided with several ways to register the application

Under the terms of this loan, the applicant can count on the following loan conditions:

• Providing a credit amount to a credit payment card
• The amount of the loan: in the amount not exceeding 150 basic units within the solvency of the borrower
• Loan collateral required

As collateral, the following are possible: a guarantee of individuals, a pledge and any other means of securing a debt obligation, provided for by the legislation of the Republic of Belarus.

It is noteworthy that the credit rate is floating.

This loan is also designed for the consumer needs of the borrowers. It provides for the issuance of borrowed funds to refinance a problem cash loan.

Refinancing applies to consumer and mortgage loans that were issued in Belarusian rubles or in foreign currency. But it is important that the bank provides an opportunity to use this loan program only for refinancing loans that were previously issued in Belarusbank.

This loan can be issued without a guarantee, and if the borrower is also a payroll client of the bank, then he will not need to confirm his income with certificates.

Credit terms:

• Method of issuing a loan: non-cash transfer to pay the principal debt on a refinanced loan
• Interest payment procedure: upon use of the loan
• Loan amount: depending on the solvency of the client
• Security: any option provided by the legislation of the republic

The amount of the loan, although it depends on the solvency of the borrower, but it certainly will not exceed the amount of the remaining debt on the principal debt of the refinanced loan.

The loan will look like this:

1. Any balance of debt on the loan, but the use of the loan up to 1 year: 20%
2. The balance is over 1 thousand rubles, and the use of the loan is up to 5 years: 21%

Let's take a quick look at the requirements for borrowers who want to refinance their existing loan.

Belarusbank requirements:

• A client who is a citizen of the Republic of Belarus, a foreigner or a stateless person who is on permanent residence in the Republic of Belarus
• Having a permanent source of income in the Republic of Belarus

Submit an application in a convenient way for you and the bank will certainly notify you of its decision as soon as possible.

Loan "Tested by time"

Provides for the issuance of a loan using an international credit line due to the opening of a revolving credit line.

This cash loan is available to payroll customers and their age does not exceed 57 years.

The loan is issued to an international credit card, which will be valid for 3 years. After this period, it can be reissued. Well, the amount of the loan will be calculated based on the data on the solvency of the borrower.

Belarusbank provides several ways to register a loan application. The applicant only needs to choose the most suitable method for him and fill out the application form of the bank.

Ways to register an application in Belarusbank:

1. At a bank branch
2. Through the information kiosk of Belarusbank
3. In the M-Banking system
4. On the corporate website of Belarusbank
5. Through the contact center

As you can see, the bank made sure that it was convenient for the applicant to apply for a loan. And for those applicants who do not like queues, the remote option is very suitable, i.e. registration of the application in any way, except for a visit to a bank branch.

Documents for obtaining a loan

To document a loan obligation to a bank, you need to collect a certain package of documents.

The standard list of papers that will be needed to conclude a loan agreement is as follows:

• Passport of the applicant (and guarantor)
• Income statement or bank statement for the last 3 months.
• Consent of the applicant and the guarantor to the processing of their personal data

Please note that certificates are only valid for 30 days.

If necessary, the bank manager will clarify what other documents are needed to conclude a loan agreement, but this is already individual in each case.

The easiest way to get a loan is to payroll clients, since the lender has the necessary information about the borrower. It is enough for such clients to fill out an application and verify their identity with a passport.

Belarusbank has a lot of consumer lending programs. There is also a separate section of loans for the younger generation, as well as educational loans. Follow the bank's current loan offers and you will definitely find a loan product that will provide favorable loan conditions.

JSC "ASB Belarusbank" is the largest in the territory of the Republic of Belarus. The bank provides over 100 types of financial services, including consumer lending. Belarusbank's clients are about 70% of all borrowers in the country, which is more than 800 thousand citizens.

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Lending terms

Belarusbank has several types of consumer credit products. There are options for the target direction, with provision, social orientation. At the same time, lending conditions for all loan products are similar to each other.

Filing an application

In order to obtain a consumer loan, the Applicant has the opportunity to apply:

• in any of the branches of JSC "JSSB Belarusbank", which provides banking services;
• fill out an online application on the corporate website of Belarusbank;
• call the contact center at a special short number 147.

Applying for a trade credit is made directly to trade organizations that cooperate with the Bank.

Documents required by the Bank

To approve a loan application and grant a loan, the Bank requires the following documents:

1. Passports, as well as their copies of the borrower and guarantors for the loan (in the case of choosing a loan with collateral - the guarantee of individuals).
2. Loan application form.
3. Certificates confirming the availability of income from the borrower, as well as from the guarantor (if involved). Or an account statement for the last quarter, provided that the borrower receives a pension or salary through Belarusbank. Certificates are valid for 30 days.
4. Borrower's consent issued by the National Bank of the Republic of Belarus to provide information about him, namely, a credit report from the Credit Register.
5. Consent of the client to receive and verify by the Creditor Bank personal data about him.

Additionally, depending on the purpose of the loan, the Bank requires:

1. As part of the provision of trade credit:

• invoice.

2. When applying for a burial loan:

• death certificate;
• invoice.

3. The need for a loan for medical services, the borrower must confirm:

• a certificate from a medical institution stating that the applicant himself or his relative is registered with the dispensary;
• an agreement and (or) an invoice for the provision of medical services indicating the cost of medicines and services provided.

4. For an education loan:

• a copy and original of the agreement on training a specialist in a higher or secondary specialized educational institution on a paid basis;
• a certificate from an educational institution, indicating the presence of the first higher or secondary specialized education.
  

  The document must contain information about the form and timing of graduation.

Before applying for a loan, it is worth considering -. Detailed information about this type of lending can be found on our website.

Do you want to take out a mortgage but don't have the funds for a down payment? We will tell you.

Interest rates

The peculiarity of the current interest rates on consumer loans in Belarusbank is its linkage to the refinancing rate of the National Bank of the Republic of Belarus.

Thus, the Bank sets the cost of a particular loan as a multiple of the NBRB refinancing lending rate plus (or minus) a certain number of credit points.

The size of the interest rate under the concluded loan agreement remains unchanged throughout its validity, unless otherwise provided by the agreement itself.

The refinancing rate of the National Bank of the Republic of Belarus last changed downwards in August 2019. As of November 2019, its value corresponds to 20% per annum.

Video: How to get a loan?

Types of consumer loans from Belarusbank

Consumer lending in Belarusbank is limited to 9 offers.

Requiring security in the form of a guarantee, non-return insurance, collateral:

• "Consumer credit" for any needs. Provided by non-cash transfer or to a payment card;
• "For the purchase of a car", in fact, targeted car loans;
• "For training", provided for the purpose of obtaining higher and secondary specialized education. The money is transferred to the account of the educational institution;
• "", as well as the installation of monuments and fences;
• "For medical services" for citizens who are registered with the dispensary, in order to pay for medical care, purchase medicines and equipment.
• With provision only in the form of a penalty:
• “Tested by time” is a non-targeted loan designed for payroll clients under the age of 57 years. Money is transferred to an international credit card;
• “For the purchase of goods”, as the name suggests, a targeted consumer loan for the purchase of goods in trade organizations with which the Bank has agreements;
• "Application to Santa Claus", a special offer for the New Year holiday, valid from November 24, 2019 to January 15, 2019. The loan is provided on a bank card.

Without collateral:

• "Installment without overpayments" is a loan intended for the purchase of goods in certain trade organizations. The loan is transferred to the settlement account of the trading organization.

Requirements for the borrower

The Bank's requirements for an applicant for a loan are the same for almost all loan products:

• citizen of the Republic of Belarus;
• foreign citizen;
• a stateless person;
• compulsory residence in the country;
• having a permanent source of income in Belarus;
• employee of a branch and representative office of a legal entity located abroad.

Loan processing

Regardless of the method of applying for a loan, in order to draw up a loan agreement, the borrower must come to the Bank's branch. Moreover, this makes it possible to count on the maximum loan amount.

Features of applying online

For borrowers who apply electronically, a loan of no more than 200 base units is available.

As of November 2019, this is within 30 million bel. rub. The process of filling out and submitting an online application is as clear and simple as possible. All you have to do is fill out the form provided on the site.

The decision of the Bank is communicated to the applicant in the manner indicated in the application. Refusal is possible in a situation where loan payments are more than 50% higher than the net income of the borrower. In case of a positive decision, the client must personally come to the bank with a package of necessary documents.

Interest rate

The interest rate is set by the Board of the Bank in accordance with the type of loan, the terms of its provision and the period of use.

In most cases, its calculation is based on the refinancing rate of the National Bank of the Republic of Belarus (hereinafter referred to as the NBRB rate), which as of November 2019 is equal to 20% per annum.

Type of loan product	The size and features of the interest rate
	Calculation in relation to the refinancing rate of the National Bank of the Republic of Belarus	Absolute value as of November 2019, %
"Tested by time"	For citizens with a positive CI: 2 times the rate of the National Bank of the Republic of Belarus - 4.5 percentage points
	For all other borrowers: 2 times the rate of the National Bank of the Republic of Belarus - 3.5%
consumer credit	For a loan for up to 1 year: 2 times the rate of the National Bank of the Republic of Belarus at the time of the conclusion of the contract - 4.5%
	For a loan for up to 5 years: 2 times the rate of the National Bank of the Republic of Belarus at the time of the conclusion of the contract - 2.5%
	For a loan for up to 5 years, subject to the conclusion of an insurance contract: 2 times the rate of the National Bank of the Republic of Belarus
To purchase a car	For up to 7 years - 2 times the rate of the National Bank of the Republic of Belarus
	For up to 5 years - 2 times the rate of the National Bank of the Republic of Belarus - 2 p.p.
For the purchase of goods	2 times the rate of the National Bank of the Republic of Belarus - 4 p.p.
For education	For the first education: the rate of the National Bank of the Republic of Belarus on the date of conclusion of the loan agreement + 10%
	For obtaining a second education: the rate of the National Bank of the Republic of Belarus on the date of conclusion of the loan agreement + 12%
Improvement of burial sites	rate of the National Bank of the Republic of Belarus on the date of conclusion of the loan agreement + 6 p.p.
For medical services
"Installment without overpayments"	with payment of 0.01% per year
"Application to Santa Claus"

In accordance with the terms of loan agreements, the interest rate does not always remain unchanged throughout the entire period of the agreement.

A change in the cost of a loan may be caused by a change in the refinancing rate of the Central Bank of the Republic of Belarus. Or by decision of the Board of the Bank.

The borrower is informed about the new terms of the loan through newspapers, websites and branches of the Bank.

Maximum and minimum loan amount

Before concluding a loan agreement, the Bank assesses the client's creditworthiness.

During the assessment, loan debts, guarantee agreements, credit history, factors that can affect the solvency of the borrower (marital status, expenses) are analyzed.

The result of this analysis is the determination of the maximum loan amount, that is, the limit of the borrower's solvency. It cannot exceed the borrower's net income ratio set by the Bank.

The minimum size for consumer loans of Belarusbank is not set.
The available size of the marginal loan for the borrower necessarily satisfies the above criterion. Individual loans have additional conditions:

Name of consumer loan	The maximum loan amount within the solvency of the borrower
consumer credit	but not more than 50 million Bel. rub.
To purchase a car	taking into account the cost of the car
For the purchase of goods	in the amount of up to 200 base units established by the legislation of the Republic of Belarus as of the date of the decision to issue a loan (currently - up to 30.0 million rubles)
"Installment without overpayments"
"Application to Santa Claus"
For education	within the annual tuition fee

Loan disbursement terms

Credit terms in Belarusbank generally range from one to seven years.

consumer credit	Loan terms
"Tested by time"
consumer credit	1 to 5 years
To purchase a car
For the purchase of goods	up to 1.5 years
For education
Improvement of burial sites
For medical services	up to 2 years
"Installment without overpayments"	depends on the outlet
"Application to Santa Claus"

State regulation of the interest rate level allows controlling the lending system in the Republic as a whole and in Belarusbank in particular.

All loan products are available, inexpensive and easy to obtain. With the help of credit funds, you can become parents, solve current issues and perpetuate the memory of loved ones.

This allows us to say that Belarusbank is ready to help its customers throughout their lives.

Debt repayment

Payment on debt to Belarusbank is made monthly for the actual time of using the loan in accordance with the schedule.

There are several ways to repay:

• at the cash desks of the bank;
• at information kiosks, using cards issued by Belarusbank and other resident banks. In the latter case, the commission is 1% of the amount;
• through M-banking;
• using the Internet banking service.

According to customer reviews, the main problems of the bank are:

• commissions, as the bank calls them "the amount of remuneration" charged for certain services. If we talk about consumer lending, then such a fee costs the client 3.5% of the amount of cash withdrawal, but not less than 10 thousand Belarusian rubles. rub.;
• problems in the work of Internet banking. Unfortunately, the service is not always available to customers "due to technical reasons", which naturally causes inconvenience and dissatisfaction;
• insufficient number of ATMs and branches.

But these minor shortcomings are more than covered by today's pluses:

• affordable loan rates;
• two low-interest offers on social targeted loans for medical services and improvement of burial sites;
• a convenient website of the Bank, which allows the client to independently understand the conditions of lending, get answers to questions of interest through an online consultation, calculate loan conditions using a calculator;
• holding holiday promotions on credit offers;
• credit offer "Installment without overpayments", which allows you to purchase on the terms of an almost interest-free loan.

But even tomorrow the Bank has room to grow. In the future, it would be nice:

• increase the number of branches;
• expand the list of partner outlets;
• eliminate shortcomings in the operation of Internet services;
• expand the range of unsecured consumer loans.

Separately, I would like to note a big plus of lending not only in Belarusbank, but also in the country as a whole - this is the presence of presidential decrees aimed at preferential lending.

In particular, in this Bank preferential consumer loans are available to students receiving their first higher education, young professionals, for gasification and even for in vitro fertilization. The cost of such loans is several times lower than the cost of consumer loans.

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