SKB Bank loans. Consumer loan from SKB Bank for clients with good credit history Loan from SKB
- Cash loan “Simple and convenient” up to 1 million rubles will allow you to purchase household or digital equipment, complete major renovation, go on a trip, pay expensive medical services or use the money for urgent needs. As part of this program, you can submit an application online and receive a 1% discount on the rate.
- Cash loan “For our own” up to 1 million rubles is provided for a period of up to 5 years for holders of SKB-Bank salary cards. It is issued without collateral or guarantors. Quick consideration of the application within 30 minutes and receipt of borrowed funds on the card on the day of application.
- Consumer loan"Individual" from 1 million rubles for 10 years secured by liquid property. The bank accepts residential/commercial real estate or a car as collateral. With a significant amount of borrowed funds, you can implement major plans, for example, pay for the purchase of a new home without a down payment.
General requirements for the borrower
Check out general requirements, which SKB-Bank presents to potential borrower and pay attention to the age of the borrower. Depending on the category of the client, the bank sets a different age limit.
List of documents for obtaining a loan
The list of documents required to apply for a loan depends on the term and amount of the loan, as well as the category of the borrower.
| General terms | Salary clients of the bank |
|---|---|
For a loan term of up to 3 years for an amount of up to 299 thousand rubles:
For a loan term of up to 5 years for an amount of up to 1.3 million rubles:
For non-working pensioners:
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Borrowers with positive credit history no additional identification document is required if the loan amount does not exceed set by the bank credit limit, without involving a co-borrower.
How to get a loan from SKB Bank without certificates?
Cash loan is available for existing participating clients salary project SKB-Bank. If you are included in this category of clients, then to receive a loan you need to fill out an application and present a Russian passport.
How to reduce interest on a loan?
A loan from SKB-Bank at a lower rate is available for salary clients and employees corporate clients jar. For other categories of borrowers, a number of discounts are applied to the rate:
You can also get a loan at a reduced rate for a long term as part of an individual offer secured by property - real estate, a car.
Why can SKB-Bank raise the interest rate?
Level interest rate for SKB-Bank loans depends on the category of the client, the term and amount of the loan, as well as the list collected documents. There are no explicit surcharges to the rate general conditions lending.
How to choose the most profitable loan from SKB Bank?
One of the most advantageous offers available to holders of SKB-Bank salary cards. For these borrowers, the bank is ready to reduce the rate and issue a cash loan without income and employment certificates. And get borrowed funds possible on the day of application. For other borrowers to choose favorable loan terms for themselves:
- You need to decide on the loan amount and choose the optimal repayment period. Calculate the monthly payment amount and find out the amount of overpayment to the bank. Assess your solvency taking into account your existing credit obligations. If you have a high level of debt, you may be refused by the bank to receive a new loan.
- Complete and submit the application online. This will help you get a discount on the nominal rate of 1%.
- Pay close attention to the “Choose your own bet” option. Please note that the loan rate is reduced from the 13th monthly payment on schedule, provided that there was no overdue debt under the loan agreement or did not exceed 5 calendar days.
- Refuse to connect additional services, for which the bank charges a separate fee. The use of such services can significantly increase full price loan.
Pay attention to the total cost of the loan (FLC), which is indicated in the loan agreement. The lower the size of the PSK, the more profitable the bank’s offer is for you! This indicator includes all available loan payments and reflects the real rate that you will pay to the bank!
Possible calculation of a cash loan without collateral and guarantee in the amount of 200,000 thousand rubles, term 3 years, nominal rate 17%:
How to apply for a loan?
There are two ways to apply for a loan from SKB Bank:
- Go to the nearest bank branch and contact a credit manager.
- Fill out and submit an application on the bank’s official website
The review period will not exceed 2 working days for loans. For payroll clients, you can find out the bank’s decision and, if the answer is positive, receive borrowed funds on your card within 30 minutes. Other borrowers can receive cash through a cash register or by bank transfer to a current account opened with SKB Bank.
Where and how to repay a loan from SKB Bank?
The loan is repaid monthly according to the schedule using annuity or differentiated payments, depending on the selected offer. To pay for the loan, you can choose any method convenient for you, offered by SKB-Bank:
Full or partial early repayment is carried out at the request of the borrower without penalties or additional commissions from the bank.
Available to citizens of the Russian Federation aged 23 to 70 years. Registration and actual residence in the constituent entities of the Russian Federation in which the bank's branches are located are required. The borrower must be employed and have at least 3 months of experience at their last place of work. The documents required are Russian and an additional document of the borrower's choice - a driver's license, Pension Fund certificate, international passport, military personnel ID card, income certificate. Men under the age of 27 must present military ID. If the borrower is unable to provide a certificate of income, then the amount of the loan provided can be no more than 180,000 rubles.
Tariffs and service
The loan is provided for a period of 6 to 60 months. The loan amount can be from 51,000 to 1.3 million rubles. The interest rate is determined individually within the range from 9.9% to 25.5% per annum. There is no fee for issuing a loan.
Loan repayment methods
The loan is repaid every month in equal payments. The bank provides the opportunity for partial or full early repayment of the loan. Payments can be made at the bank office, via Internet banking, Bank transaction from any bank, through the Golden Crown service (Euroset, MTS, Beeline, Kari salons).
Advantages of a loan from SKB-Bank
A loan from SKB Bank has a number of advantages, including:
- filling out a loan application on the bank’s website;
- transparent terms of service;
- possibility of early partial or full repayment loan;
- the ability to get a loan without an income certificate.
Loan repayment methods
Questions and answers
I am 22 years old, will the bank give me a loan?
Loans are issued to applicants who are 23 years old at the time of the loan agreement.
Consumer loans at SKB Bank are cash loans that individuals use to finance large expense items: travel, education, treatment, buying a car, repairs, etc. Borrowed funds are raised at a rate of 11.9% for a period of up to 5 years. An online application allows you to assess the likelihood of a loan being issued even before collecting documents.
Consumer loans from SKB Bank to individuals
SKB Bank (promotion of commerce and business) is a financial institution that was founded in 1990 and is now considered the second largest bank in Sverdlovsk region, as well as one of the largest financial institutions in the Ural and Siberian regions.
Loans individuals SKB Bank considers it as a key area of its activity: 84.5% of its loan portfolio accounts for retail lending.
The minimum interest rate on consumer loans from SKB Bank is now 11.9%. However, this is not the only factor in attracting borrowed funds through this financial institution.
- Firstly, the bank has an extensive network - 7 branches (Moscow, Volgograd, Vologda, Omsk, Ryazan, Udmurtia, Khabarovsk), 64 additional and 86 operational offices;
- Secondly, in Yekaterinburg and the Sverdlovsk region, Moscow, Chelyabinsk, Perm Territory, Rostov and other regions of Russia there are 576 ATMs and over 200 terminals for servicing cards;
- Thirdly, individuals from among SKB Bank clients can use the mobile Internet service, money transfers (Begom, “ gold Crown", UNIStream, Western Union, Contact), individual banking services(Elite-Bank).
In 2017, more than 55% of liabilities were formed from deposits from citizens, and 84.5% of loans were from individuals. Currently, SKB Bank serves over 200,000 retail clients.
In 2016 in financial statements a loss of 1.5 billion rubles was noted. Its reason is not deterioration financial situation institutions, but in a significant increase in the reserve of the loan portfolio. The overall assessment of SKB Bank's position by the rating agency Expert RA is satisfactory - ruBB with a stable forecast.
Submit an online loan application at SKB Bank
Any citizen of Russia between the ages of 23 and 70 can receive a loan from SKB Bank at an interest rate of 11.9%. This can be done using a passport or by presenting as additional document income certificates.
What documents need to be submitted to the bank?
The lending conditions at SKB Bank are very specific: the term for providing borrowed funds depends on the number of funds submitted for consideration credit commission papers:
- Passport and a second document of your choice (foreign passport, Pension Fund certificate, driver’s license, military personnel identification card) - loan for 3 years at a rate of 25.5% up to 300,000 rubles;
- Passport, second document and income certificate - loan for 5 years at a rate of 11.9% to 1.3 million rubles.
It is noteworthy that men under 27 years of age are also required to submit a military ID for consideration by the credit commission.
Stages of obtaining a loan
The procedure for obtaining a loan at SKB Bank (Ekaterinburg) includes several stages:
- Submitting an online application (this can be done from the pages of the GidKredit.Ru portal);
- Collecting documents and submitting them for consideration by the credit commission;
- Conclusion loan agreement and receiving funds.
The borrower can receive his loan on a card or in cash - he voices his desire at the stage of signing the loan agreement.
How long does it take for SKB Bank to review a loan application? When filling out an online application, you have to wait 15-20 minutes, and full package papers are studied within 1-2 days.
How to repay SKB Bank loans?
All loans financial institution repaid in the form of an annuity - in equal shares. You can do this in several ways:
- In any bank branch;
- Through ATMs and terminals of SKB Bank;
- Within the framework of Internet banking;
- Through mobile banking;
- In order of online translation.
At early repayment The client will not have to pay any additional fines or commissions.
Important nuances
Since at SKB Bank you can get non-targeted loan up to 1.3 million rubles, then many residents of the Ural and Siberian regions raise borrowed funds through this financial institution.
What nuances should you consider before taking out a loan from SKB Bank?
- At the date of loan repayment, the borrower must be no more than 70 years old;
- The client must have a permanent place of work for the last 3 months, and also be registered in the region where the bank’s branches and branches are located;
- A passport loan is issued for a period of 3 years at a rate of 25.5%, and on the basis of 2-personal income tax (certificate in the bank form) - up to 5 years at a rate of 11.9-22.5%;
- If the client has a positive credit history, you can count on a reduction in the interest rate;
- There are no additional fees when applying for a loan.
Comprehensive information about SKB Bank loans can be found on the pages of the portal website. Here you can also calculate monthly payment and overpayment on a loan based on a convenient online calculator that quickly generates a payment schedule.
The main advantage of the portal is the ability to use it on any electronic gadget: laptops, tablets, smartphones. After making a decision, you can submit an online application for an SKB Bank loan directly from the website and receive a preliminary decision from the credit commission within 20 minutes.
Go to the SKB Bank website. Read the basic conditions for issuing a loan, fill out the form:
Enter your full name and date of birth. Please provide a telephone number and e-mail for contact. Select the type of income certificate you plan to provide. Click on the “Get a loan” button.
SKB Bank reviews the application within 1-2 days. A bank employee will call you and inform you of the preliminary decision.
To complete the documents, come to the SKB Bank office.
Requirements for the borrower
- Russian citizenship
- From 23 to 67 years old
- Work experience from 3 months
- Registration and residence in the region where there is a bank branch
Required documents
- Russian passport
- Certificate of income for 6 months
- Military ID (for men under 27 years old)
- Additional document - SNILS, driver's license, international passport, military personnel ID
About the bank
SKB-Bank is one of the largest banks in the Sverdlovsk region. Founded in 1990 on the basis of the local management of Agroprombank. The bank barely survived the 1998 crisis, after which part of its shares was bought by the regional administration. In 2001, the bank became part of the Sinara group, which unites a number of companies in the metallurgical industry. From 2007 to 2013, SKB’s shareholders also included European bank reconstruction and development.
Now more than 90% of SKB shares belong to board member Dmitry Pumpyansky, who controls the bank through Sinara and the Pipe Metallurgical Company. Main office The bank is located in Yekaterinburg. The regional network includes seven branches and more than 140 offices in a number of regions of Russia. The bank operates on the basis of license No. dated March 4, 2016.
SKB-Bank is a universal bank that serves both private and corporate clients, including enterprises of the Sinara group. It offers loans, deposits, bank cards, Money transfers, operations with securities And foreign currency. For business, cash settlement services, loans and guarantees, deposits, corporate and salary cards, exchange control and other services.
Documentation
- Rules for comprehensive services for individuals at SKB Bank
You will learn how to log into your personal account on the official website of SKB-Bank online. Detailed instructions for convenient and quick access to skbbank.ru with screenshots and video instructions. A Visual Guide to Recovery forgotten password To personal account jar. We provide only the most current information.
Answers to popular questions
How to increase the loan amount?
The bank calculates maximum amount loan based on your income. If you need to take out a loan for a large amount, you can attract a co-borrower. SKB Bank will take into account his income and increase the credit limit.
The co-borrower can be your relative or friend. It must also meet the requirements that the bank imposes on the borrower.
How can I get a loan at a reduced rate?
SKB Bank offers consumer loans for preferential terms employees of their clients. If your organization is accredited by a bank, then you can get a cash loan at a reduced rate. To obtain information about accreditation, contact the SKB Bank office.
If a client wants to get a cash loan or take out a mortgage, he can contact SKB Bank. The institution provides a whole range of different products at favorable conditions. Among the organization’s offers you can find tariffs that allow you to borrow money without certificates or guarantors. A long lending period makes debt repayment comfortable for the borrower. In order for SKB Bank to familiarize itself with the specifics of applying for a loan in advance.
Terms of lending to individuals
It’s worth starting your acquaintance with SKB’s offers with a thorough analysis of the conditions under which cash. Profitability depends on the fixed parameters banking product. When choosing a tariff, experts advise paying attention to:
- amount of overpayment;
- return period;
- credit limit;
- the possibility of receiving funds without certificates and guarantors;
- the need for collateral.
By contacting the organization, a person can receive more than 5,000,000 rubles. for up to 10 years. The exact loan terms depend on the offer you choose. The organization has developed 5 tariffs for individuals. The specialists who created the proposals tried to include most of the classic banking options popular with borrowers.
Loan refinancing
If a person has an outstanding loan, refinancing the loan at SKB Bank will help close it. By taking advantage of the offer, a person can receive new loan to close an existing consumer loan. Experts advise using the scheme if the new loan terms are more favorable than the previous ones. Today, the Central Bank of the Russian Federation has taken a course towards lowering interest rates. However, the amount of overpayment on active loans remains at the same level.
Previously, the bank was ready to lend money to cover the arrears that had arisen. With the help of refinancing, the client could pay off the debt and accrued fines, and then close the loan as usual. However, today the offer has been temporarily suspended.
Often the service is used to combine several small loans into one. To perform the manipulation, the borrower receives one large amount from the company, which he then uses to pay off existing debt obligations. Closing 1 loan is much more convenient than several. Using refinancing, you can get up to RUB 1,300,000. You need to return the money to the bank within 5 years.
Interest rate on a loan at SKB Bank
The interest rate at SKB Bank depends on a number of parameters. The amount of overpayment is influenced by:
- selected tariff plan;
- availability of collateral;
- credit history;
- return period;
- availability of guarantors.
The minimum interest rate in the bank is set according to the “For everything about everything” tariff. By taking advantage of the offer, the borrower can borrow money at 15.3%. The bank allows clients to take out loans without proof of income, but this will lead to an increase in the amount of overpayment. It will reach its maximum level and amount to 23.4%. To calculate the amount of overpayment on a loan at SKB, you can use a calculator.
Regardless of the chosen tariff, cash loans are issued at SKB Bank without compulsory insurance.
Requirements for borrowers
In order for a bank to agree to lend money, you must meet certain requirements. SKB Bank without certificates and guarantors, employees pay attention to:
- Client age(from 21 to 70 years old). The client must be younger upper limit indicator at the time of maturity.
- Experience. The loan is provided to persons who have been working at their last job for at least 3 months.
- Citizenship. Loan money is provided only to citizens of the Russian Federation.
- Place of residence. The borrower must live in locality, which is no more than 50 km from one of the branches of the credit institution.
The list of requirements may vary depending on the tariff plan.
Required documents
Applying for a loan at SKB Bank is impossible without providing the relevant papers. To take out a loan from SKB Bank you need to prepare the following documents:
- passport;
- income certificate (some tariff plans allow you to complete registration without it);
- military ID if the borrower is a man under 27 years of age;
- additional ID.
A person who decides to take out a loan from SKB Bank in cash can only provide part of the documents. However, having all the papers will allow you to count on receiving money at a reduced interest rate.
Applying for a loan with bad credit history
A damaged credit history can become an obstacle to obtaining a loan. The company always conducts a data study before starting cooperation. If the borrower has had arrears in the past, experts advise applying for a loan from a bank with the involvement of guarantors and the provision of collateral. This will increase the likelihood of receiving a positive response. At SKB you can receive money with collateral and guarantee using the “Individual” tariff.
The lender's decision also depends on the size of the loan the person wants to receive. If the loan is small, the chance of your application being approved increases. The decision also depends on the degree of offense. If a person delayed repaying a previous loan for several days, this fact will not affect the decision made by the bank.
Serious delays, refusal to conduct a constructive dialogue with institution employees and an attempt to avoid repayment of capital will cause the application to be rejected.
The bank’s decision on a loan from SKB depends on the individual parameters of the transaction. If a company denies a request for funds, the applicant can attempt to repair their credit history. To do this, you need to take out several small loans and repay them in a timely manner. The appearance of positive entries in the credit history will increase the loyalty of the institution.
Loan without certificates and guarantors
The bank meets halfway requirements for its clients and is ready to issue them a loan without certificates or guarantors. The borrower can receive funds by providing a minimum amount of information about himself using the “For everything about everything” tariff. However, cooperation with the client in 2017 will be carried out on changed terms. The bank issues a loan at 23.4%. In this case, a person will be able to receive an amount from 51,000 to 299,000 rubles. The money must be returned within 3 years. To find out in advance about all the nuances of using the offer, it is worth studying the reviews of borrowers.
Loan from SKB Bank: repayment rules
Loan settlement at SKB Bank is carried out using annuity payments. The loan can be repaid early. No fines or additional fees apply. There is a whole list of ways to close debt obligations to credit institution. The client can transfer money to the bank using:
- contributing capital to the company's cash desk;
- organization terminals;
- using the “Bank on the Couch” service;
- application of opportunities third party organizations.
To close a debt, you need to have an ID card with you. It is necessary to compare data and make a payment. The use of third party capabilities requires careful consideration of the terms and conditions of the service. A fee may apply for transferring funds. Its size depends on the selected transfer method. The time when the payment arrives in the account also varies. To prevent debt from arising, it is worth familiarizing yourself with all the nuances of the transfer in advance.