New Year's shares in Sberbank for consumer. New Year's loan: a new promotion of Sberbank
On New Year's Eve, Sberbank of Russia, as a rule, presents gifts to regular customers. In 2018, this is a profitable New Year's consumer loan at 11.9 per annum.
Terms of the New Year promotion from Sberbank
Until January 31, 2018, existing customers of Sberbank and those who are just about to join these ranks can apply for a profitable general purpose loan. This means that money can be spent for any purpose, for example, gifts for relatives and friends, buying equipment or traveling.
Terms of the New Year's loan from Sberbank:
- rate - from 11.9% (this percentage is valid only for existing bank customers who apply through Sberbank Online);
- the maximum amount is 3 million rubles;
- the minimum amount is 30,000 rubles;
- security in the form of collateral or guarantors is not required;
- the term for consideration of an application submitted online is up to 1 hour, when filling out a questionnaire at the bank - 24 hours;
- You can receive money to an account or together with a Momentum card at a bank branch when signing a loan agreement.
Salary clients of Sberbank can receive the maximum amount of a New Year's loan - 5,000,000 rubles only with a passport.
Requirements for borrowers
To take a loan from Sberbank, you must:
- be a citizen of the Russian Federation;
- have a permanent registration in the region of application, or the maximum loan term will not exceed the term of temporary registration;
- be over 21 years old or 18 years old if you receive a salary on a Sberbank card;
- have a good credit history;
- if you do not receive a salary on a Sberbank card, it is necessary to confirm income by providing a certificate in the form of a bank or standard 2 personal income tax.
Pensioners who receive a salary on the MIR card of Sberbank can also apply for a New Year's loan for a promotion, even if they are over 65 years old. (The maximum age at the time of repayment of the entire debt is 75 years).
Documentation
The main condition for obtaining a consumer loan at Sberbank is the provision of a full package of documents. There are two main lists:
- for payroll clients;
- for new borrowers.
Payroll clients must provide the bank with a passport and a second identity document.
New Borrowers must submit to the bank:
- loan application;
- passport;
- certificate of temporary registration, if they do not live in this region on a permanent basis;
- certificate of income in the form of 2 personal income tax, reflecting the average earnings for the last 3 months;
- a copy of the work book with the seal and signature of the chief accountant of the enterprise or director.
Forms:
Submission of application and documents
New customers of Sberbank can apply for a consumer loan only during a personal visit to the bank. You must have all the basic documents with you: a passport, a certificate of income, a copy of the work book.
A bank employee issues a special questionnaire form, in which you must fill in all the fields. The processing time for an application will be 1-2 business days. With a positive decision, you will be called back and informed of the time and date of the visit to the bank to sign the contract and receive the borrowed funds.
Existing Sberbank customers can apply for a New Year's loan at a reduced interest rate of 11.9% per annum through their personal account:
The term for consideration of a loan application submitted through a personal account is 24 hours.
Upon approval, you will receive an SMS notification from the bank that "Loan approved". Will visit the bank branch indicated in the questionnaire with a passport and sign a loan agreement.
Getting money and servicing a loan
A loan from Sberbank is provided at the place of registration of the borrower. Money is given out together with a free Sberbank instant card or offered to be transferred to an account opened with a bank.
Debt repayment occurs by annuity payments throughout the entire period. If you wish to close the debt ahead of schedule, it is enough to fill out the appropriate application in your personal account by selecting:
- "Loans", then the one that you plan to repay ahead of schedule;
- The loan history will open, select "Early repayment" at the top;
- Now check "full" or "partial" and fill in all the fields, indicating the date of debiting and the card or account from which payment will be made on the designated day.
Early repayment "will not work" if on the day of debiting the account does not have the required amount. The bank will notify you of this by means of a message. The next day, the operation will be repeated three times. Then it is automatically canceled, there will be a delay on the loan. By the way, for late payment, Sberbank charges a penalty in the amount of 20% of the amount not paid on time.
If you specify full early repayment and the payment is made on time, all that remains is to visit the bank branch and receive a certificate of debt repayment. With partial repayment, you also need to visit the bank, but in order to receive a new payment schedule. This must be done the next day after payment.
By the way, partial early repayment of the loan implies the payment of an amount exceeding the amount previously set in the schedule by at least 100 rubles.
Launched another promotion for loans with a reduced interest rate called "New Year's Credit", according to which customers are invited to take a loan through Sberbank Online at a rate of 11.9% per annum, applying for registration in the office, the same type of loan will cost the applicant already from 12.4 % per annum. What is it for? The answer lies on the surface in order to unload your branches on the New Year holidays, because it is much easier to process the application with special programs and give a preliminary decision to the client.
The New Year's Credit promotion will be valid throughout the year, until December 31, 2020. What will allow you not to run headlong for a loan, but to think carefully and make a decision, the loan calculator located on our website will help you with this, where by choosing the amount, term and interest rate you can calculate the full cost of the "New Year's loan" and the amount of monthly payments.
Sberbank is one of the leaders in the Russian banking system, which is why it holds regular promotions in credit and mortgage programs, then we will consider in detail the conditions and requirements. Interest rates on the "New Year's loan", do not forget that people who receive a salary to a Sberbank account or a pension, the bank always offers the most favorable conditions.
Interest rates of the New Year loan for payroll clients
Credit term | Amount of credit | to Sberbank Online | in the office of Sberbank |
3-60 months | up to 300 000 ₽ | from 12.9% to 18.9% | from 13.4% to 19.4% |
from 300 000 ₽ | from 11.9% to 15.9% | from 12.4% to 16.9% |
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from 1 000 000 ₽ | |||
61–84 months | up to 300 000 ₽ | from 13.9% to 19.9% |
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from 300 000 ₽ | from 12.9% to 17.9% |
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from 1 000 000 ₽ | |||
Bets on general terms
Credit term | Amount of credit | to Sberbank Online | in the office of Sberbank |
3-60 months | up to 300 000 ₽ | from 12.9% to 19.9% | from 14.4% to 19.4% |
from 300 000 ₽ | from 11.9% to 15.9% | from 13.4% to 16.9% |
|
from 1 000 000 ₽ | |||
61–84 months | up to 300 000 ₽ | from 14.9% to 19.9% |
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from 300 000 ₽ | from 13.9% to 17.9% |
||
from 1 000 000 ₽ | |||
Terms of New Year's lending at Sberbank
The limit on the total balance of debt on existing consumer loans without collateral with Sberbank cannot exceed 5,000,000 rubles (for borrowers who receive salaries to an account with Sberbank) or 3,000,000 rubles (for other borrowers).
If there is a temporary registration, a loan can be granted for a period not exceeding the period of validity of the borrower's temporary registration (does not apply to individuals receiving salaries to an account with Sberbank, employees of enterprises that have passed accreditation, and individuals receiving a pension to an account with Sberbank).
Requirements for borrowers
| Age at the moment granting a loan |
|
| Age at the moment repayment of a loan under an agreement | no more than 65 years old |
| Work experience |
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For clients who are judges in accordance with the Federal Constitutional Law "On the Judicial System of the Russian Federation" No. 1-FKZ - no more than 70 years
Obtaining and servicing a New Year's loan
Loans are provided at Sberbank branches to individuals at the place of registration, as well as using the Sberbank Online system. For clients who receive a salary/pension to an account with Sberbank, loans are provided in any lending unit, regardless of the place of permanent/temporary registration on the territory of the Russian Federation.
Loans are provided to clients who are employees of companies accredited by Sberbank, including at the place of accreditation of the employer enterprise within the service area of the branch (s) of the territorial bank that accredited (their) employer enterprise.
With the advent of November, Russian banks began a period of seasonal promotions and special offers, mainly timed to coincide with the New Year holidays. Let's see what promotional campaigns have already been launched by credit institutions.
New Year's loans at Sberbank and RSHB
The most notable action, as expected, was the reduction in consumer lending rates in . The management of the largest creditor in Russia connected this proposal with the approach of the New Year. Thus, the bank promises a fixed minimum rate of 11.9% when applying for a loan of 1 million rubles for a period of 5 years through Sberbank-Online. In branches, the percentage will be higher - 12.4%.
With an increase in the term to 6-7 years, the rate increases by another 0.5 percentage points.
For loans from 300 thousand to 1 million rubles, the range of rates will be 11.9–16.9% for a period of up to 5 years and 12.9–17.9% for a period of 5 to 7 years. With a loan amount from 30 to 300 thousand rubles, the range of rates will be 12.9-19.4% for up to 5 years and 13.9-19.9% for a period of 5 to 7 years.
In turn, he launched a similar campaign "Percentage leaf fall". A consumer loan without collateral and with a duration of 1 year, salary and "reliable" clients of the organization can take at a rate of 10.7% until December 31. For other categories of clients, the rate will be from 12.7% per annum, and for borrowers who have provided an additional document confirming that they own a property or vehicle - from 11.7% per annum.
True, such rates will apply only subject to personal life, health and job loss insurance.
Read also:
Increased return on deposits
But still, deposits prevail among seasonal offers. For example, he replenished his line of deposits with the retail deposit "Dreams". The new accumulative product combines not only an above market rate (8%), but also the possibility of replenishment (during the first 190 days). You can open a deposit in the amount of 50 thousand rubles and for up to 380 days. Also valid currency equivalent of a special deposit - in dollars at 3.35% per annum.
A slightly lower yield is offered by the bank, which launched seasonal deposits "Rozhdestvensky" and "Rozhdestvensky-VIP". The first one is opened in the amount of 30 thousand rubles for a period of 91 days to 732 days. The rate ranges from 6.6% to 7.8% per annum.
The VIP version of this deposit requires an amount of 1.5 million rubles, but at the same time gives a higher yield - from 6.9% to 8.1% per annum.
And extended the validity of the "Festive" deposit until November 30. The minimum deposit amount is 10 thousand rubles, but additional replenishment can be made within 91 days.
With a placement period of 365 days, the interest rate will be 6.71%, and with a deposit for 730 days, the yield increases to 7.16%. But the bank warns that the specified rate will apply in case of interest capitalization.
Traditionally, for the New Year, the largest bank of the Russian Federation lowered interest rates on several types of banking products. For borrowers, this means good savings on interest. Shares on Sberbank loans affected only loans whose amount exceeds 250,000.
The minimum rate of 12.5% per year can be obtained for obligations from 500,000, and with the amount of funds received from 250,000 to 500,000, at least 14.5% per annum. You can reduce payments to the specified minimum if you apply for a loan through the bank's online system (read how to do this).
Program "Under surety"
The largest decrease occurred in loans secured by a guarantee. So, if until November 2017 the minimum level of interest on such banking products was 12.9%, but for this it was necessary to meet most of the criteria for an ideal client (receive an official salary through the Security Council of the Russian Federation, have a long work experience in one place, work in a stable companies, and so on), today you can get a consumer loan secured by a guarantee at a fixed percentage of 12.5% per annum (with an amount of 500,000 rubles or more and applying online). The maximum rate before the introduction of new conditions was 18.9%.
Thus, if the client raises funds of 500,000 as part of the New Year offer, which will last until the end of January, then he will be able to save a maximum of almost 2,700 per month (with a commitment period of 5 years). At a rate of 18.9% per annum, the payment will be 16,200, and at 12.5% per annum - 13,500.
Keep in mind that for loans ranging from 250,000 to 500,000, the fixed interest rate is currently 14.5% per annum. Consequently, the savings will be somewhat less - only 1,100 rubles. upon receipt of 300,000 rubles. and a period of 5 years. You should also pay attention to the fact that credit products with an amount of less than 250,000 are not subject to the conditions of the promotion.
"Loan without collateral"
New Year's offers from Sberbank within the framework of this banking product also allow the borrower to save significantly. Thus, before the introduction of new conditions in November 2017, the level of interest rates reached 19.9% per year, depending on the category of the client, his work experience, income and a number of other parameters, which were analyzed by a special scoring program of the lender, and then based on the results of the analysis determined the rate on obligations.
Now (until January 31, 2019) you can raise the necessary funds at 12.5% -15.5% per year. Moreover, the level of the rate no longer depends on the category of the borrower, its value is determined by the following factors:
- Loan size. With a loan from 250 thousand to half a million, the rate is in the range from 14.5% to 15.5% per annum, and when receiving money from the bank in the amount of more than 500,000, its value will be 12.5–13.5%.
- Design method. When receiving the necessary funds through the bank's online service, their cost will be either 12.5% or 14.5%. If the client receives the required amount at the branch of the credit institution, then the price will increase by 1 percentage point in each case.
New conditions for refinancing
Promotions on loans in 2017–2018 also affected the refinancing product. Currently, you can get from 250,000 to 3 million rubles. in Sberbank at 12.5–13.5% per year. At the same time, the level of interest does not depend on the period for which the money is attracted, or the method of their registration, or on the place of receipt of wages. It only depends on the amount. Upon receipt in the amount of 250,000 to 500,000, the user fee will be 13.5%, and if the amount exceeds 500,000 rubles, then the interest rate will decrease to 12.5%.
The terms of the offer provide for the possibility to combine no more than 5 loans into one. In other words, you can collect a package of obligations to other creditors with a high rate and replace them with one in this financial institution.
Due to the lower interest rate, the monthly payment will decrease, which means that it will be possible to borrow additional funds.
Thus, on the eve of the New Year, the largest bank in the country provided everyone with the opportunity to improve the conditions for receiving funds and thereby save money. You can use the promotional offer until the beginning of February 2019.
Only 10 Sundays separate us from the new year 2018. Ahead of new events in life and, of course, new purchases. Unfortunately, not everyone can afford to buy a gift for themselves or a loved one, even for the New Year.
New Year's offer from can be a good alternative to gray lack of money and will allow you to present a gift to yourself and loved ones with minimal losses.
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Basic conditions for a New Year's loan from Sberbank |
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| Amount of credit [%] | Bid [%] | Loan term [month] |
Promotion period |
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30.000 – 3.000.000 |
12,5 – 15,5 | up to 60 | |
As we found out, the interest rate on the New Year's promotion from Sberbank depends on the amount of the loan and the option for applying for a loan.
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Dependence of the loan rate on the application and the loan amount |
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| Loan amount [RUB] | Rate [%] when ordering through Sberbank Online |
Rate [%] when applying at a bank branch |
|
from 500.000 |
12,5 | 13,5 |
| 250.000 – 500.000 | 14,5 |
15,5 |
|
up to 250.000 |
from 12.9 |
from 12.9 |
If you have never used Sberbank Online, then it's time to learn, although there is nothing complicated there. Most Sberbank payroll card holders use the card only to withdraw salaries, not thinking that the Sberbank Online service can greatly simplify their life. Paying bills, automating phone top-ups, getting a loan without leaving your home.
Using our example, we can say that applying for a loan through Sberbank Online takes “two clicks”: fill out an application on the website, wait for a call from a bank employee, a couple of questions about what you are and that you are not going to run away with a loan to the Canadian border, SMS confirmation and that's it - the money falls on your card.
The loan will be credited to the card within 15 minutes after the approval of your application. Agree, it is very fast and convenient. No need to go anywhere, stand in queues, fill out and sign contracts in duplicate.
Sberbank stepped into our lives with you from the screens of monitors and smartphones.
Requirements for the borrower
A salary card can be obtained as early as at the age of 18, but only those who have reached the age of 21 will be able to apply for this loan under the New Year's promotion. The maximum age of the borrower at the time of loan repayment is 65 years.
The bank pays special attention to work experience. You must have at least 1 year of total work experience in the last 5 years and must have worked at your current job for at least 6 months.
It is much easier for clients of the Sberbank salary project, for them the minimum period at their current place of work has been reduced to 3 months.
Issuance and redemption
As we wrote above, the approved loan is credited to your card account.
The system of repayment of the credit is very convenient. Money is automatically debited from your account on the day of payment. The main thing is not to forget to check if there is the required amount in the account.
In the loans section in Sberbank Online, there will be all the data on your loan. A convenient form from which you can see: the loan amount, monthly payment, loan balance, interest, etc.
Full and transparent control over your loan.
Commissions and penalties
There are no commissions for issuing a loan.
If you did not have time to replenish your account to repay the loan, then you will have to pay a penalty for late repayment of the loan, which is 20% per annum from the amount of the overdue payment for the period of delay from the date following the date of the fulfillment of the obligation established by the Agreement to the date of repayment of the Overdue debt under the Agreement [inclusive].
Advantages and disadvantages