The coming 2016 may bring long-awaited amnesty to loan debtors. Deputies of the State Duma of the Russian Federation are working on a corresponding legislative proposal. This could be the beginning of unraveling the tangle of huge debt obligations. While former borrowers of financial institutions are trying to pay off their old loans, new ones are in search advantageous offers.

The most attractive and reliable for many individuals remains. Instability financial market did not have a serious impact on the interest rate on loans to the oldest in Russia financial institution. Briefcase credit offers contains various options for issuing borrowed funds to the population of the country. There are many lending programs, some of which involve government subsidies.

Consumer loans

The bank's portfolio includes 5 programs related to consumer lending. The longest borrowing period Money offered individuals for education. For these needs, the bank offers potential borrowers a loan without a certain limit at 7.77% for a period of 16 years.

The highest annual percentage is set by the bank for borrowed funds intended for household needs. Here the loan rate reaches 20.9%, and the repayment period is limited to two years. Under this borrowing program financial resources can be obtained without collateral up to 399,999 rubles and with collateral and guarantors up to 3 million rubles. Ten years and 10 million rubles at 16.5% per annum are issued by the bank to borrowers secured by real estate.

To assess payment capabilities, the financial institution’s website has a program for calculating payment amounts. It's called. It is not difficult for an ordinary person to understand his arithmetic. He calculates the amounts monthly payments on borrowed funds.

Mortgage

The bank is considering 12 lending programs for individuals, which are intended for ordinary citizens and military personnel. All civil lending programs are designed for a period of up to 30 years. The term of the military mortgage is 15 years. Two mortgage options for military personnel are issued at 12.5% ​​per annum. Under this program, they must make a down payment of 20% of the cost of the purchased home. Borrowed funds can be used to purchase real estate, both secondary and primary market real estate.

Civil programs mortgage lending have interest rates from 12 to 14.25% per annum. One of them is intended for young families. The interest rate on the loan is 13%.

Sberbank credit card

Clients of a financial institution can become owners of 7 types. All of them have an interest rate of 33.9% per annum. Maximum amount The limit set on the card is 600 thousand rubles. Preferential treatment repayment - 50 days.

All possible forms of lending require providing certain information about yourself and your income. A significant role in determining the interest rate is played by the level of education, credit history, age of the borrower and other factors. The starting age of the borrower for most loan programs is 23 years. The less information the borrower provides to the bank about himself, the higher the loan rate. The application review period ranges from 2 to 7 days.

Among the advantageous offers from Sberbank are debit cards. They do not provide borrowed funds to individuals; they must pay for their services, but they provide clients with various discount options when making various types of purchases.

Sberbank of Russia is the largest financial institution, which has an extensive customer base. What are the lending conditions for individuals and/or legal entities in Moscow, what determines the interest rate on consumer loan(calculator how to calculate) and other points we suggest discussing within the framework of the proposed text.

Loan from Sberbank - conditions in 2016 and interest rate

Sberbank offers its clients in Moscow many lending programs both in rubles and in foreign currency(euro, dollar). The most favorable interest rates are offered in ruble equivalent. Today, the most popular consumer loans are four main types:

Under guarantee – from 14.9% (minimum), amount (maximum) 3 million rubles (return within 5 years);
without collateral – from 15.9%, up to 1.5 million (to be repaid in 5 years);
consumer for the military (mortgage program) - from 16.5%, up to 500 thousand rubles. (without guarantors), up to 1 million (with security, must be repaid within 5 years);
consumer secured by real estate – from 15.4% to 10 million.

We add that this type of loan is non-targeted banking product, i.e. it can be obtained for any need. The choice of offers is very wide: for construction, purchase of real estate (take a mortgage option), car loan, business development or subsidiary farming, etc.

For individuals, interest on consumer loans at Sberbank

Sberbank has reduced interest rates on consumer loans to individuals until April 29, 2019. See how convenient conditions are offered to clients today by the most large bank Russia. The calculator will help you calculate the payment and overpayment.

Sberbank cash loans in 2019 can be obtained by many residents of Russia. And many people actively take advantage of this opportunity. Of course, during what seems like an endless economic crisis Sberbank has become more strict in its choice of borrowers. But the conditions for obtaining a loan from Sberbank in 2019 remained quite lenient.

Who can take a loan from Sberbank

1. Age. To receive money, the borrower must be at least 21 years old at the time of applying for a loan secured by real estate, and not more than 75 years old at the date of repayment. The age for obtaining an unsecured loan is 21 years (18 years for salary clients) and 70 years, respectively. But a loan secured by individuals can be obtained even by clients aged 18-21 and 60-80 years.

2. Experience. You must also have a total experience of at least 1 year, with at least 6 months at your current place of work. For clients receiving a salary or pension into an account with Sberbank, their work experience at their current place of work must be at least 3 months. But for working pensioners who receive a pension into an account in Sberbank, the total work experience over the last 5 years must be at least 6 months.

3. Income and employment. Well, the main thing is to convince bank employees of your financial solvency. Why do you need to submit a certificate confirming the financial condition of the borrower and a document proving employment.

It is important to note that Sberbank does not have any loan fees, and there is a requirement for life insurance, which is voluntary. Does not affect the interest rate loan agreement. Sberbank loans to salary clients and those receiving payments on cards of this bank are issued at more low percentage than the rest.

Sberbank: consumer loans 2019 - interest rates

Let's consider under what conditions and at what percentage today you can get consumer loans in cash from Sberbank:

1. without collateral;
2. under guarantee;
3. secured by real estate;
4. for owners of private household plots.

1. Sberbank: consumer loan without collateral

Ordinary individuals who are not payroll clients can receive a loan from Sberbank without collateral or guarantors in the amount of up to 3 million rubles. Interest rates vary depending on the amount borrowed. How more money you want to borrow, the lower the percentage they offer you. Obviously, it is more profitable to borrow from 1 million rubles.

Conditions

• Borrower's age: from 21 to 70 years at the time of loan repayment;
• Duration: from 3 months to 5 years;
• Collateral: not required.

Interest rates

See today's loan rates at VTB Bank.

Calculation of loan parameters

Interest rate, of course, a very important parameter of the loan. But this figure alone tells little to a person who wants to borrow money. It will be more clear to calculate, at least approximately, the amount of the monthly payment. Correspondents from the 10Banks website will try to do this.

Loan from Sberbank for 1 million rubles

Let’s say you plan to take out a loan from Sberbank in the amount of 1 million rubles for a maximum period of 5 years. In this case, the rate is expected to be 12.9% - 13.9% per annum. Let's take the minimum percentage. As a result of calculations using the official Sberbank loan calculator, we get that you will have to take off your family budget 22,702 rubles each to give them to Sberbank. Will you pull it?

We borrow 100,000 rubles

If you only need 100 thousand rubles, then the loan rate will be higher - from 14.9% to 19.9% ​​per annum. Let's calculate the minimum, although this is hardly possible. So, credit calculator Sberbank shows that with a term of 5 years, the monthly payment amount will be only 2,374 rubles. Quite an acceptable amount. Although, we note once again, it is very difficult to obtain the minimum rate on such a loan. When contacting a bank, always assume the worst.

Calculate payment and overpayment on a credit card

2. Sberbank: consumer loan for payroll clients

If you receive a salary or pension into your Sberbank account, you can take out a cash loan in the amount of up to 5 million rubles. But the most important thing is that the probability of approval of a loan application for salary clients is higher than for borrowers from the street. But the interest rate, on the contrary, is lower. Note that it is more profitable to take a large amount, since in this case the interest rate will be less.

Credit terms

• Borrower's age: from 18 to 70 years (at the time of repayment);
• Minimum amount: 30,000 rubles;
• Maximum amount: 5 million rubles;
• Duration: from 3 months to 5 years;
• Loan issue fee: none;
• Collateral: not required.

Interest rates

See what interest rate you can get a loan from Alfa-Bank today.

3. Credit with a guarantor for youth

The peculiarity of this consumer loan is that it can be obtained by young people aged 18 to 21 years. The main thing is to find an older person who could act as a guarantor when applying for a loan. According to the bank's conditions, the guarantor must be over 21 years old and under 70 years old (at the time of full refund).

A secured loan for young people in Sberbank today is issued for a period from 3 months to 5 years. You can request an amount from 30,000 to 3 million rubles.

To get a loan, you will have to go with the guarantor to the nearest Sberbank branch, since it will not be possible to apply for it via the Internet. Of the documents, everyone will definitely need a passport, as well as a 2nd personal income tax certificate and a copy of the work book. The bank will transfer the amount to your Sberbank card. If it doesn't exist yet, the bank will issue a new one.

Conditions

• Borrower age: from 18 to 21 years;
• Minimum amount: 30,000 rubles;
• Maximum amount: 3 million rubles;
• Duration: from 3 months to 5 years;
• Loan issue fee: none;

Interest rates

See interest rates on bank loans

4. Credit with a guarantor for pensioners

The peculiarity of this consumer loan is that it can be obtained by pensioners aged 60 to 80 years. The main thing is that the guarantor when applying for a loan is a solvent person over 21 years old and under 70 years old (at the time of full refund).

Decor of this loan It will be especially convenient for pensioners, many of whom are still not very computer friendly. They will not have to fill out applications online and send documents over the Internet. The entire process of applying for a loan takes place at a Sberbank branch, where you need to come with a guarantor and a package of documents. The money will be transferred to your debit card Sberbank. If there isn’t one, they’ll start one right away.

Conditions

• Borrower age: from 60 to 80 years;
• Minimum amount: 30,000 rubles;
• Maximum amount: 3 million rubles;
• Duration: from 3 months to 5 years;
• Loan issue fee: none;
• Security: guarantee of an individual.

Interest rates

5. Sberbank: loan secured by real estate

Sberbank loans secured by real estate are provided to those who are ready to mortgage, for example, an apartment, house, town house or garage. You can spend money for any purpose. It can serve as an alternative to a mortgage without down payment. To increase the loan amount, you can attract co-borrowers.

Conditions

• Borrower's age: from 21 to 75 years (at the time of repayment).
• Minimum amount: 500,000 rubles.
• Maximum amount: should not exceed the lesser of 10.0 million rubles / 60% of the assessed value of the property being pledged.
• Duration: up to 20 years.
• Insurance: voluntary insurance life and health of the borrower in accordance with the requirements of Sberbank.
• Loan issue fee: none.

What can be collateral

• apartment;
• "town house";
• House;
• residential premises with the land plot on which it is located;
• land plot;
• garage;
• garage with the land on which it is located

Interest rates

for clients receiving salaries to a card/deposit account in Sberbank

Ratio of the loan amount to the appraised value of the property	Rate, % per annum
up to 60%	13,00%

Allowances:

0.5% - if you do not receive a salary from Sberbank;

1% - upon refusal of life and health insurance of the borrower.

See also Sberbank consumer loan interest rates for refinancing loans from other banks

6. Sberbank loans individuals running private household plots

This is special credit program for owners of private farms.

Conditions

• Borrower's age: from 21 to 75 years (at the time of repayment)
• Maximum amount: no more than 1.5 million rubles per farm
• Term: 0t 3 months to 5 years
• Security: guarantees from individuals.

Interest rate

17.0% per annum.

7. Sberbank consumer loan military personnel - NIS participants

This is a special loan program for military personnel and participants in the savings and mortgage system (NIS). You can spend the money received for any purpose, including as an additional payment for the purchased apartment.

Conditions

• Borrower age: from 21 years
• Maximum amount: 15,000 rubles (45,000 rubles for Moscow).
• Maximum amount: 1 million rubles
• Duration: from 3 months to 5 years
• Collateral: for amounts up to 500,000 rubles, no guarantee is required, but above that, a guarantee from an individual is required.

Interest rates

• 13.5% for secured loans
• 14.5% for loans without guarantors

See what interest rates they give on loans today

Features of applying for and receiving a loan from Sberbank

1. How to apply.

To apply for a consumer loan, the client must first contact a Sberbank branch. You can also call hotline. This is necessary so that the bank’s specialists familiarize the borrower with the necessary information.

2. Where to serve.

Please note that ordinary individuals must submit an application at the offices at the place of registration. But consumer loans are provided to salary clients in any division of Sberbank, regardless of their place of registration.

If you are salary client Sberbank, you can submit an application through Sberbank Online.

3. How to apply for a loan at Sberbank Online

To apply for a consumer loan in Sberbank Online, you must first go to the “Loans” section in the top menu.

Click on the “Take a loan from Sberbank” button. After this, a form will open to select loan parameters. Select the options that suit you there, including the loan amount and term.

Please note that the interest rate and monthly payment are calculated automatically! There you can see the loan repayment schedule. It will be indicated next to the monthly payment amount.

If the conditions offered by the bank suit you, then select the service office that is most convenient for you and click the “Apply for a loan” button.

Next, you will need to confirm your loan application with an SMS password that will be sent to your phone. The next step is to fill out the form. After answering all questions, the “Submit Application” button will become active. Click and your loan application to Sberbank will be sent!

The application will be reviewed within 2 working days from the date of submission to the bank complete package documents. If the decision is positive, the funds will be transferred to the card account opened at the bank.

BY THE WAY. An interesting option that may be useful is the possibility of receiving a personal loan together with credit card. The maximum limit on an instant card is 150,000 rubles. For a personalized card - 200,000 rubles.

What documents are needed to obtain a loan?

To apply for a consumer loan from Sberbank, individuals require proof of identity, financial condition and employment. The list of documents for most clients may ultimately be as follows:

1. Russian Federation passport with a registration mark (identity card);
2. A copy of the work book (confirmation of employment);
3. Certificate 2-NDFL for the last 6 months or according to the bank form (confirmation of financial condition).

This is a general list. Pensioners can confirm income with a certificate from the Pension Fund of the Russian Federation, and individual entrepreneurs - tax return behind last year. It is better to check with the bank for a complete list of documents depending on the specific situation.

When confirming your financial condition, Sberbank can take into account income not only from your main job. Money received from part-time work, as well as pensions and other benefits, are also suitable.

How to repay a Sberbank loan

Some credit organizations, for example, Rosselkhozbank, offer the client to choose the method of repaying the loan - equal or differentiated payments. Sberbank does not have such an opportunity. The loan will have to be repaid in annuity (equal) payments. You must deposit money monthly in accordance with the loan repayment schedule that you will receive at the time of application.

Conditions for early repayment of a Sberbank loan

Full or partial early repayment the loan is carried out without prior notice to Sberbank. The minimum portion of the loan to be repaid ahead of schedule is not limited. In this case, interest is paid for the actual period of use of the loan. Submitting an application for early repayment is also possible using the Sberbank Online system. There is no fee for early repayment.

What happens if you don't return the money?

Consumer loans are very popular among the population - they provide an opportunity to get the required amount for your own needs. At the same time, you don’t have to borrow from relatives, friends or colleagues, or depend on anyone. Let's consider why the loans offered by Sberbank of the Russian Federation are attractive and what needs to be done to obtain them.

Loan name	% Rate per year	Credit term	Amount of credit	Loan collateral	Income proof
Military mortgage for the purchase of finished housing	from 9.5%	up to 20 years	up to 2.398 million rubles.	Collateral of the loaned premises	Not required
Military mortgage for the purchase of housing under construction	from 9.5%	up to 20 years	up to 2.398 million rubles.	Collateral of the loaned premises	Not required
Loan for country real estate	from 9.5%	up to 30 years old	from 300 thousand	Collateral of the loaned premises, Guarantees for individuals persons	Help on bank form
Loan for the purchase of finished housing	from 8.6%	up to 30 years old	from 300 thousand to 15 million rubles.	Collateral of the loaned premises, Guarantees for individuals persons	Not required
Loan for the purchase of housing under construction	from 6.7%	up to 30 years old	from 3.8 million to 8 million rubles.	Collateral of the loaned premises	Not required
Loan for the construction of a residential building	from 10%	up to 30 years old	from 300 thousand	Collateral of the loaned premises	Help on bank form
Loan to individuals running personal subsidiary plots	17,00 %	from 3 months up to 5 years	from 30 thousand to 1.5 million rubles.		Help on bank form
	from 12%	up to 20 years	from 500 thousand to 10 million rubles.	Collateral of the loaned premises	Help on bank form
Educational loan with state support	from 7.5%	duration of study increased by 10 years	up to 100% of tuition fees	No collateral	Not required
Consumer loan without collateral	from 12.9%	up to 5 years	up to 3 million rubles	No collateral, no guarantors	Help on bank form
Consumer loan for military personnel - NIS participants	from 16.5%	from 3 months up to 5 years	from 30 thousand to 1 million rubles.	up to 500 thousand without collateral	Help on bank form
Consumer loan for loan refinancing	from 11.5%	up to 7 years	3 million rubles	Not required	Not required
Consumer loan for refinancing problem debt	Equals ref. loan	from 6 months to 5 years	amount for full repayment problem loans.	Guarantees of individuals	Help on bank form
Consumer loan guaranteed by individuals	from 11.4%	from 3 months up to 5 years	up to 3 million rubles	Guarantees of individuals	Help on bank form
Refinancing against real estate	from 9.5%	up to 30 years old	from 300 thousand	Not required	Help on bank form

Did you know? "Sberbank of Russia is the oldest bank in the country. Its birthday is November 12, 1841, the day when the Decree of Nicholas I on the establishment of savings banks was issued. Sberbank has the highest level of trust among the population of the Russian Federation, attracts customers by introducing loyalty programs and regularly holding promotions .

“Unsecured consumer loan”: documents and conditions for obtaining a loan

Borrowers have the opportunity to receive up to one and a half million rubles for 5 years and at the same time receive many pleasant bonuses:

• absence of any collateral;
• the right to spend money at your own discretion (without reporting to the bank);
• no commission;
• favorable rate - from 14.9 to 21.9% per year.

Calculate a loan by contacting Sberbank and apply for it within the capabilities of every paying and able-bodied citizen of the Russian Federation. There are some age restrictions: the borrower must be over 21 years old and at the time of final payment – ​​not older than 65 years.

Important! "Sberbank allows temporary registration (with the loan terms limited by its validity), but requires the provision of a certificate from the passport office confirming the borrower’s residence at the specified address.

To apply for a loan, the following documents are required:

1. application form(its form is on the website);
2. passport;
3. registration certificate form No. 9. If you have a temporary registration, you can receive a loan only for the period of its validity;
4. guarantor documents(passport, employment certificates);
5. certificates of solvency and employment(valid for 30 days from the date of issue);
6. documents for collateral, if provided;
7. work book and certificate of experience.

Did you know? Documents about solvency: certificates from work in form 2-NDFL, about the amount of pension, a certified copy of the tax return (form 3-NDFL).Employment documents: copies of the work record book (agreement, certificate, contract from the place of work), certificate of state registration of individual entrepreneurship.

Applications are processed within two working days (but with the right of the bank to extend this period). The time begins to count from the submission of the entire complex of required papers. Borrowers-clients of Sberbank - with salary and pension cards, have benefits:

• the processing time for their applications is up to two hours;
• provide only a passport;
• receive discounts on rates, etc.

Sberbank online loan calculator

To correctly calculate the loan terms with all additional features and services, use. Here you can get all the necessary information about the proposed loan and decide for yourself which conditions will be more profitable for you.

How to apply for a loan online?

You can apply for any type of loan not only at a Sberbank branch, but also online. To do this, log in to Sberbank Online and go to the “Loans” section.
The system will provide an application where you will need to fill in the following fields:

1. Type of loan;
2. Loan terms (standard, secured, with a guarantor);
3. Credit term;
4. Amount of credit;
5. Currency.

While filling out the required fields, do not overlook the additional fields. As practice shows, it is better to fill out all the fields with additional information, so that later there is no need to visit a Sberbank branch again. When the application is processed, a bank employee will contact you to tell you about further actions.

How to get a “Consumer loan guaranteed by individuals” from Sberbank

This type of loan offers three million rubles for a five-year period with a rate of 13.9-20.9% for its clients and 15.9-21.9% for other borrowers. It is possible to increase the amount of the expected loan, taking into account the income of the spouse. A calculator will help you roughly calculate a consumer loan from Sberbank of Russia.

The necessary conditions in order to take out a loan from Sberbank:

• be a citizen of the Russian Federation over 18 years of age. The bank has established some age restrictions: the age category from 18 to 20 years is prohibited from having co-borrowers, and parents act as guarantors. Age limit – no older than 75 years at the time of payment for the loan;
• work experience (last six months and at least 1 year in 5 years).

Papers submitted:

• statement;
• passport;
• confirmation of solvency and employment;
• confirmation of the relationship of clients 18-20 years old and guarantors.

Important! To save time, you can submit your application online. However, an online loan application does not guarantee a positive result - you cannot do without a personal visit to Sberbank.

“Consumer loan for military personnel - NIS participants”: who is entitled to a preferential loan

A special lending scheme is provided for military personnel who participate in the NIS. They are offered:

• receive five hundred thousand rubles with 16.5% (without collateral), one million - with 15.5% (with a guarantee) for a period of five years;
• The purpose of the loan does not matter (for the purchase of housing, vacation, etc.).

A service member wishing to receive a loan must be at least 21 years old and have a loan under “ Military mortgage"or apply for this loan at Sberbank. Upon registration the following is submitted:

• statement;
• passport;
• confirmation of the applicant’s financial security and employment;
• certificate of military service (if you have a mortgage).

Important! Sberbank clients (receive pensions, salaries, scholarships), when applying for loans, receive preferences and benefits (1-2% reduction in rates, no need to provide a number of certificates, etc.).

How to get a “Non-targeted loan secured by real estate” from Sberbank and what you will need for this

Long-term loans (20 years) in amounts from 500 thousand to 10 million rubles are popular. They attract with low rates - 14% (a calculator will help you calculate the correct loan from Sberbank).

There is no need to pay a commission or provide proof of use of the money received. Housing (apartments and private houses) is left as collateral. land and other property. Credit amount will amount to up to 60% of the valuation of the collateral property, but not more than 10 million rubles.

Insurance is required from the borrower client (if it is not available, the rate increases by 1%). The borrower's age limit is 21 years and older (at the time of settlement with the bank - no older than 75 years).

The loan will not be issued if the borrower or one of the co-borrowers:

• is engaged in individual entrepreneurship;
• has the right to sign financial documents of a small enterprise;
• has more than 5% of the capital of a small enterprise;
• is engaged in farming.

In addition to the application and passport, the following is required:

• certificate from the passport office (for temporary registration);
• confirmation of solvency and employment.

If the decision is positive, real estate documents must be provided to the bank (no later than 60 days). The exact list of securities is provided by the bank. Usually this is confirmation of ownership, assessment of value, certificate of state registration of ownership, registration certificate, consent of the spouse to the pledge, marriage contract, certificate from the housing department, etc.

The application is processed within 2-8 working days.

“Consumer loan for refinancing”: conditions and interest rates

Its goal is to reduce payments on previously taken loans, remove encumbrances from a car purchased on credit, and repay up to five different loans, replacing them with only one. Sberbank provides loan money (no more than 1 million rubles), the online calculator will show all the benefits of such refinancing within a five-year period.

Before confirmation of the intended purpose, the bank sets rates from 19.9 to 21.9%. After confirmation – already from 14.9 to 16.9%. Interest rates for bank clients are 1-2% lower.

To apply, you need to write an application and prepare a certificate of income, documentation on previous loans (statements of remaining debt, details, dates and contract numbers, rates, etc.). All documents must be provided within a month from the date of registration.

How to get a “Loan to individuals running private farms” from Sberbank

Sberbank offers consumer loans to plot owners throughout the Russian Federation (except Moscow). The owner is entitled to a loan of up to 700 thousand rubles with a 20% rate for 5 years. The offer can be taken advantage of by land owners, Russian citizens aged 21 years and older, who have provided an application, a passport, confirmation of work experience and solvency, and an extract from the household register.

Did you know? Charging a fee for repaying a loan earlier than the due date is prohibited. This operation is free. To avoid standing in queues, you can pay for a Sberbank loan via the Internet with a bank card.

Thus, it will be most profitable to take advantage of the offered loans from Sberbank to its clients. The lending procedure is identical: application, preparation necessary documents and, if the criteria are met, a one-time transfer of money.

In order to activate consumer lending Sberbank regularly holds special promotions when it significantly reduces interest rates. Such promotions are also taking place in 2017. This type of lending is the most preferable for most clients, because when registering it, a relatively small package of documents is required, and there is no need to report on the intended use of funds. There are no fees for issuing loans from the bank. Non-targeted loans are provided only in rubles.

Preferential interest for today

From February 15, 2016, Sberbank established a preferential interest rate for consumer loans.

For those who receive income (pension or salary) on a bank card, with:

• loan amount over 300,000 rubles;
• loan term 3-24 months;

The interest rate is set at 13.9%. For other clients the percentage will be 19.9%.

The availability of collateral for this program does not affect the size of bets.

Standard percentage

At other times in 2016, different rates were set . At what specific interest rate you can get a loan depends on:

• duration of the contract;
• method of income generation - participants salary project will receive a loan on more lenient terms;
• borrower categories;
• availability of collateral - guarantors (no more than two people).

The usual consumer lending program and interest on it are presented in the table:

A guarantee from individuals is required to obtain a loan in an amount exceeding 1,500,000 rubles. The maximum amount provided for is 3,000,000 rubles. The minimum possible amount is 15,000 rubles.

Borrower category

Officially in Sberbank borrowers-individuals divided into 3 categories:

• employees of enterprises accredited by the bank, i.e. have undergone specialized testing by its services;
• those whose income (salary or pension) goes to the bank card;
• others.

Having analyzed which category a particular client belongs to, you can independently determine the possible range of rates. However, the final verdict - the amount of interest under a specific loan agreement - will become known only after the application is approved.

It can be assumed that the interest rate is determined on the basis of a certain coefficient, which is calculated using a certain statistical formula. In addition to the described categories, it probably also includes a quantitative assessment of the client’s trustworthiness, his credit history, age, and the ratio of income to loan payments.

A similar model is used for (legal entities and individual entrepreneurs).

Sberbank consumer loan secured by real estate

IN loan portfolio The bank has such a product as a consumer loan secured by real estate. Fundamental differences from the standard product:

• term – up to 20 years;
• amount – 0.5 – 10 million rubles;
• A collateral is required - a real estate object (housing, garage, land).

Interest rate on a consumer loan secured by real estate:

Rates increase by 1% if the borrower refuses to insure the life, and by another 1% if the client’s income is not credited to the bank’s card.

This product provides additional expenses for the valuation of the collateral and purchase insurance policy for him.

Video: three legal ways to reduce loan interest - tips