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 on favorable terms. 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 to get acquainted with SKB’s offers with a thorough analysis of the conditions under which funds are issued. The profitability of a banking product depends on the fixed parameters. 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 offers tried to include in the service packages most of the classic banking options that are popular among 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 a 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 together. 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:

1. Client age(from 21 to 70 years old). The client must be below the upper limit of the indicator at the time of repayment.
2. Experience. The loan is provided to persons who have been working at their last job for at least 3 months.
3. Citizenship. Loan money is provided only to citizens of the Russian Federation.
4. Place of residence. The borrower must live in a locality that is no more than 50 km away 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 the company denies the request for funds, the applicant may attempt to repair the 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 a 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;
• using the capabilities of third parties.

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.

Loans from SKB Bank are one of the most popular programs. Depending on the purpose, a borrower can apply for different types of loans. All the nuances of lending to individuals at SKB Bank are discussed below.*

How to calculate a loan at SKB Bank

Today, bank clients can find out what loan amount they should expect directly on the bank’s website. Here citizens can familiarize themselves with the amount of the monthly payment. The loan calculator is designed in such a way that the calculation is made at the client’s discretion, based on the following parameters:

• the amount of the desired loan;
• salary size.

In the first case, the borrower chooses the loan amount himself, and the size of the monthly payment is displayed on the screen. In the second case, the available amount is calculated based on the citizen’s ability to repay debts.

What type of loan can you get from SKB Bank?

The institution offers the population to obtain different types of loans, including without guarantors, collateral, or income certificate. In particular, without collateral you can get up to 1 million rubles.

At SKB Bank, loan rates depend on various parameters:

• type of product;
• contract time;
• financial stability of the borrower;
• citizen's credit history, etc.

Today SKB Bank offers the population the following loan products:

• “For everything about everything” (including a corporate program as part of the offer) - without collateral or guarantors;
• “For our own” - salary card holders;
• mortgage for purchasing housing on the secondary market;
• mortgage with government participation (purchase of finished real estate on the primary market).

Consumer loan at SKB Bank

As part of the “For Everything About Everything” loan, clients can receive an amount from 51 thousand to 1.3 million rubles. The loan is issued for any purpose for a period of up to 5 years. Without providing a certificate of income, there are the following restrictions:

• amount up to 180 thousand rubles;
• period up to 3 years.

The application is reviewed within 1–2 days; if necessary, the client can attract a co-borrower. Then the total income is taken into account (you can get a larger loan amount). An annuity payment is applied; early repayment does not involve an additional commission.

When applying for a cash loan at SKB Bank, the following requirements are put forward to the borrower:

• Russian citizenship;
• age 23–70 years (upper limit – at the time of debt repayment);
• Work experience with the last employer from 3 months.
• living in a locality no more than 50 km from the bank’s place of presence.

SKB Bank documents for obtaining a loan include the following:

SKB Bank has set interest rates on cash loans in the following range:

• with a salary certificate – 19.9–31.9%;
• without proof of income – 45%.

If the client has a positive credit history, he can count on more attractive loan conditions even without proof of income. Depending on the loan parameters, the rate is 24.9–28.9%.

Clients can apply for a loan “For their own” at an interest rate of 17.9–24.9%. The borrower's age must be between 21 and 65 years. The main parameters of the loan (amount, term) do not differ from those for the product “For everything about everything”.

Loan to pensioners at SKB Bank

The classic “loan to pensioners” program has not been developed in this institution. But still, at SKB Bank, the conditions for issuing loans provide for the possibility of drawing up an agreement for elderly citizens:

• Clients can apply for a consumer loan before reaching 70 years of age at the time of debt repayment;
• mortgage - accordingly up to 65 years.

SKB Bank does not have a classic car loan product. However, clients can receive a cash loan for consumer needs and purchase vehicles (new or used) with loan funds. The following programs are available to citizens:

• “For everything about everything”;
• "For our own."

Depending on the loan amount, the agreement can be concluded without collateral or guarantors, with a minimum package of documents.

Mortgage in SKB Bank

Citizens who are interested in mortgage lending can take advantage of one of two programs offered by SKB Bank.

1. Buying real estate on the secondary market. Amounts from 350 thousand rubles are considered. for a period of 12, 20 or 30 years. The rate is 16% per annum, but if the client does not have insurance at SKB Bank, it rises by one point annually to reach 20%. The client can attract no more than two co-borrowers (total income is taken into account). Down payment – ​​at least 20%.

• age 23–65 years;
• Russian citizenship;
• work experience with the last employer of at least 3 months;

2. Loan with state participation (primary housing market). Amounts from 350 thousand rubles are considered. for a period from 3 to 30 years. The rate is 12%; if the borrower refuses insurance, it increases by 2 percentage points. Down payment – ​​20%.

The client must meet the following requirements:

• age 21–65 years;
• Russian citizenship;
• experience with the last employer from 4 months, total - from 1 year.
• registration in the region where the bank is located.

The borrower must provide the following documents:

SKB Bank: loan application form

The receipt of any loan is preceded by the client submitting an application to the bank. In paper form, this document is divided into several parts:

• general information about the client (personal, passport data, registration, contacts);
• loan parameters (term, amount);
• additional information (availability of existing loans, arrears, marital status, place of work, income level, ownership of property).

SKB Bank: online application for a cash loan

Traditionally, to obtain borrowed funds, citizens visit a bank branch and submit an application in writing. In order not to waste time traveling to a financial institution, you can apply for a loan from SKB Bank online on the website. In a specially provided electronic form, the client should fill out the following information:

• City of residence;
• Date of Birth;
• contact number;
• E-mail address.

There are also two fields where you need to tick:

• consent to receive emails;
• confirmation of acceptance of the banking agreement (permission to process personal data).

Then click on the “Get a loan” button. Without specifying additional data (place of work, length of service, income level), the application is sent for processing. In the future, an employee of the institution will contact the client (by phone, via email) and inform about the further scheme of interaction, namely:

• how the client must provide passport data, information about income;
• in what time frame the application will be considered and how the client will find out the decision on his issue;
• when do you need to provide documents (and which ones);
• when can you get the money?

SKB Bank loan agreement: sample

The loan agreement specifies all the main points of the transaction:

• term, loan amount;
• to which account the money is transferred;
• repayment schedule;
• obligations of the parties and mutual responsibility;
• contacts and details of the parties to the transaction.

SKB Bank: debt refinancing

Refinancing refers to the issuance of a new loan, which is used to repay an existing one. Naturally, this scheme is advisable if the new loan conditions are more favorable than the previous ones. For example, if the policy of the Bank of Russia changes, there may be a dynamic reduction in interest rates. At the same time, the approved conditions (current at the time of loan issuance) are maintained for existing loans.

In addition, refinancing may be useful if there is arrears (this product is temporarily suspended at SKB Bank). The new loan completely covers all outstanding debt, interest, fines, and the client begins to pay fees as usual.

Sometimes refinancing is issued to cover several small loans. The borrower takes out one loan, which is used to repay all loans. In the future, the client only repays one loan – this is convenient and profitable.

To apply for refinancing, citizens need to contact a bank branch.

How can I pay for a loan at SKB Bank?

Convenience when paying a loan is no less important for the client than the speed of obtaining a loan. At SKB Bank, debt can be repaid in various ways, including:

• at branch cash desks;
• in Internet banking (via computer, phone, tablet, etc.);
• in branches of third-party financial institutions;
• at the post office;
• using electronic payment systems (Qiwi, YandexMoney, WebMoney).

The client must have a passport and contract details with him.

SKB Bank: reviews of loans

Among the positive reviews are:

• fast approval of loans;
• no hidden fees (including for early repayment);
• interesting loan programs.

There are also negative reviews:

• long waits in line to see specialists;
• insistent demand to pay off the overdue payment late in the day (calls to the client and persons whose coordinates are indicated in the form as contacts);
• imposing insurance when applying for a loan.

• assess your own chances of getting a loan;
• control the number of issued loans (in order to prevent fraudulent activities of third parties).

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, the European Bank for Reconstruction and Development was also a shareholder of SKB.

Now more than 90% of SKB shares belong to board member Dmitry Pumpyansky, who controls the bank through Sinara and the Pipe Metallurgical Company. The central office of 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, transactions with securities and foreign currency to individuals. For business, cash settlement services, loans and guarantees, deposits, corporate and salary cards, currency control and other services are available.

Documentation

1. 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 recovering a forgotten password for your bank account. We provide only the most current information.

Answers to popular questions

How to increase the loan amount?

The bank calculates the maximum loan amount based on your income. If you need to take out a loan for a large amount, then 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 on preferential terms to employees of its 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.

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 of Russia 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, by bank transfer 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 of the 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.

• Cash loan “Simple and convenient” up to 1 million rubles will allow you to purchase household or digital equipment, complete major repairs, go on a trip, pay for 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

Familiarize yourself with the general requirements that SKB-Bank imposes on a 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

Application form; Russian Federation passport; For a loan term of up to 3 years for an amount of up to 299 thousand rubles: One additional identification document to choose from: SNILS - state insurance certificate. pension insurance; Driver's license; International passport; Military personnel identification card; Service ID Military ID (required for men under 27 years of age); TIN - tax registration certificate, if available; For a loan term of up to 5 years for an amount of up to 1.3 million rubles: Additional document confirming income of your choice: 2-NDFL or certificate in the bank form; Statement from the salary card account at SKB-Bank; An extract from a salary card account opened in another bank. For non-working pensioners: Additional document confirming pension income: Pension certificate indicating the amount of pension; An extract from an account opened with SKB-Bank for crediting a pension; A certificate from the organization that assigned the pension about the amount of the pension, indicating the basis for payment of the pension.

Application form; Russian Federation passport; Military ID (required for men under 27 years of age)

Borrowers with a positive credit history do not need to present an additional identification document if the loan amount does not exceed the lending limit established by the bank, without involving a co-borrower.

How to get a loan from SKB Bank without certificates?

A cash loan is available to existing clients - participants in the SKB-Bank salary project. 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 to salary clients and employees of the bank’s corporate clients. 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?

The level of interest rate on SKB Bank loans depends on the category of the client, the term and amount of the loan, as well as the list of collected documents. Explicit additions to the rate are not provided for in the general lending conditions.

How to choose the most profitable loan from SKB Bank?

One of the most advantageous offers is 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. Moreover, you can receive borrowed funds 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. Using such services can significantly increase the total cost of the 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 desk or by wire 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.