Consumer loans are an opportunity to obtain funds for a long term, for any purpose, including refinancing other loans. This page of the website service provides complete information on consumer lending to individuals. Here you can select and calculate the appropriate product.

Consumer loan at Sberbank in 2020 - main parameters

Sberbank today offers four lending programs with the following parameters:

• registration without guarantors and without commission;
• loan amount from 1 - 5,000,000 rubles;
• interest rate 8.6 - 19.9 points;
• registration without certificates of solvency;
• method of receipt: cash or card.

How to get a loan for consumer needs from Sberbank?

The Bank has established a list of requirements for applicants. One of the main requirements is solvency, which means having a permanent job. The remaining conditions relate to age at the time of signing the contract (21 years) and length of service at the last place of work (6 months). For holders salary cards this threshold has been reduced to three months.

Pensioners under the age of 65 can also take consumer loan in Sberbank. For some programs, the rate for this category of applicants is reduced. will help you decide on a loan. If credit program If you have selected the application and submitted it to the bank, you will have to wait no more than 48 hours for its consideration.

The largest bank in the country offers its clients to take advantage of a special offer and apply for a “Sberbank Consumer Loan”. At the same time, interest rates will be at record lows. All Russian citizens aged 21 to 65 years can become borrowers (with a guarantee from 18 to 75 years). To draw up a contract without guarantors you will need:

• Passport of a citizen of the Russian Federation with a mark and permanent registration.
• Application form.
• Certificate of employment confirming the borrower's income level.

If the bank client is ready to provide a person acting as a guarantor of the transaction, then you will additionally need the guarantor’s passport and confirmation of his income.

Tariffs and service

Sberbank sets the commission amount from 12.9% per annum for loan amounts of 1 million rubles. Preferential categories that can count on a rate reduction are holders salary projects and pensioners. Cash limits range from 30 thousand to 5 million rubles for a period of up to 5 years. There is no fee for cash withdrawal. Debt repayment is carried out by annuity payments. The request is processed within two working days (for salary card holders from 2 hours).

How to get a cash loan

There are 2 ways to conclude an agreement for a consumer loan at Sberbank. Let's look at each of them in more detail. The first is remotely through your personal account in the Sberbank Online service. If you are an existing bank client, then simply activate your account and fill out an application for a loan at Sberbank by selecting it in the account menu. If you do not have access to your personal account, then use the online form; to send a request you will need a number mobile phone. Next, you will need to select the type and name of the loan. The second option is at any bank branch. For the interview you will need:

• Passport.
• A copy of the work book.
• Certificate in the bank form or 2-NDFL for the last six months.

How to calculate a loan from Sberbank using an online calculator

Before applying for a consumer loan from Sberbank, you should make a preliminary calculation of monthly payments and the total amount of overpayment. To do this, you can use online calculators on our website. Enter the loan parameters, and the system will calculate your regular payment under the future agreement. It is worth remembering that the data received is not final - the exact decision will be made by the bank after checking the borrower’s data.

Loan repayment methods

Questions and answers

How quickly is a loan application processed?

The client will receive a response within 2 business days. This is the maximum review period. In practice, the bank most often approves the application on the day of application.

How to apply for a loan in Sberbank Online?

To apply for a loan from Sberbank Online, go to the “Loans” section in the top menu.

Click “Take a loan from Sberbank.” A form will open for selecting loan parameters. Select the options that suit you, including the loan amount and term. Please note: interest rate and monthly payment are calculated automatically. The loan repayment schedule is indicated next to the monthly payment amount. Select a service office convenient for you and click the “Apply for a loan” button. Confirm your loan application with an SMS password and fill out all fields of the application form. After filling out the form, the “Submit Application” button will become active. You can submit your application immediately or save it to submit later. The deferred application will have the “Draft” status - you can find it in the “Loans” section.

What is the processing time for a loan application at Sberbank?

The maximum period for consideration of an application is 2 working days.

How to receive money for an approved application?

You can receive money within 30 days from the date of approval. Enrollment period is 1 business day after approval and signing of documents.

If you receive a salary or pension to accounts opened with Sberbank, you can receive money in Sberbank Online in the “Loans” section. On the screen with the approved application, click “Apply for a loan.” If this button is not there, log into Sberbank Online again or contact the Sberbank office indicated in the application.

If you do not receive a salary or pension into your Sberbank account, contact the Sberbank office to apply for a loan.

When applying for a loan with Sberbank Online, you can:

Select loan insurance;

View the preliminary payment schedule;

Select a convenient repayment date;

Look individual conditions lending;

Select a card for crediting (here you can also refuse the loan, for example, if you need to fill out a new application).

Important: the loan is credited to a debit card account opened in the region where the loan was issued.

Card requirements:

The overdraft is paid off or not used;

The card is active and there are more than 2 months left before expiration;

Card currency - rubles;

The card account has not been seized.

How do I find out what my monthly loan payment consists of?

Information on your payment can be viewed in Sberbank Online in the “Loans” section. Select the loan you are interested in - on the loan page you will see all the information on the monthly payment.

How to find out the loan debt?

Information on your debt can be viewed in Sberbank Online in the “Loans” section. Select the loan you are interested in - on the loan page you will see all the information on the debt.

How do I find out if I have debt on loans from Sberbank?

You can view all debts in Sberbank Online in the “Loans” section.

How do I find out if I have outstanding loans from Sberbank?

You can view information on loans outstanding at Sberbank in Sberbank Online in the “Loans” section.

How can I register early repayment on a loan?

How can I find out what penalties I have been charged if I do not repay the loan on time?

You can find out information on accrued penalties in Sberbank Online in the “Loans” section.

Sberbank updated interest rates on consumer loans in 2020 individuals. See how convenient conditions are offered to clients today by the most large bank Russia. Find out who can receive the money and what documents are needed. The calculator will help you calculate the payment and overpayment.

In 2020, many residents of Russia, both working citizens and pensioners, can receive consumer loans from Sberbank in cash. 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 2020 remained quite lenient.

What loan programs are available at Sberbank today?

There are currently 4 main types of programs in the Security Council of the Russian Federation consumer lending. Among them:

1. Without collateral (for any purpose):
   on general conditions for ordinary individuals;
   salary clients;
2. With a guarantor:
   youth over 18 years of age;
   pensioners under 80 years of age;
3. Secured by real estate;
4. For owners of private household plots.

It is important to note that Sberbank does not have any loan fees, and the requirement for life insurance, which is voluntary, does not affect the interest rate.

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: terms and rates in 2020

Let's consider under what conditions and at what percentage the following consumer loans can be issued from Sberbank today.

Loans without collateral

On general terms

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. The more money you want to borrow, the lower the interest rate you are offered. Obviously, it is more profitable to borrow more than 1 million rubles.

Conditions

• Min. amount: 30,000 rub.;
• Max. amount: 3 million rubles. ;
• Duration: up to 5 years;
• Commission: none;
• Collateral: not required.

Interest rates

Loan calculator

Compare with loan rates at VTB Bank.

Requirements for the borrower

Age: from 21 to 70 (at the date of loan repayment) years;

Experience: from 6 months at the current place of work with a total work experience of at least 1 year over the last 5 years.

Required documents

For an amount less than 300,000 rubles:
Russian Federation passport.

For an amount of 300,000 rubles or more:
Russian passport;
certificate 2-NDFL;
a copy of the work book.

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

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.

Conditions

• Min. amount: 30,000 rub.;
• Max. amount: 5 million rubles;
• Duration: up to 5 years;
• Commission: none;
• Collateral: not required.

Interest rates

Calculate payment and overpayment on a credit card

Requirements for the borrower

Age: from 18 to 70 (at the date of loan repayment) years;

Experience: from 3 months at current place of work.

Required documents

When registering online:
No documents are needed - just fill out the form.

When registering at the office:
Russian Federation passport.

Loans with a guarantor

For youth under 21 years of age

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).

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 2-NDFL 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

• Min. amount: 30,000 rub.;
• Max. amount: 3 million rubles;
• Duration: up to 5 years;
• Commission: none;

Interest rates

Calculated individually for each client within the specified range.

Requirements for the borrower

Age: from 18 to 21 years;

Experience:
at least 3 months at the current place of work for salary clients.

Required documents

Russian passport;
certificate 2-NDFL;
a copy of the work book.

See interest rates at Otkritie Bank.

For pensioners up to 80 years old

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

• Min. amount: 30,000 rub.;
• Max. amount: 3 million rubles;
• Duration: up to 5 years;
• Commission: none;
• Security: guarantee of an individual.

Interest rates

Calculated individually for each client within the specified range

Requirements for the borrower

Age: from 60 to 80 (at the date of refund) years;

Experience:
at least 3 months at the current place of work for pensioners receiving a pension into an account in Sberbank.
at least 6 months with a total work experience of at least 1 year over the last 5 years for ordinary individuals.

Required documents

For consideration loan application required:
Russian passport;
certificate 2-NDFL;
a copy of the work book.

See rates at Promsvyazbank.

Sberbank loan secured by real estate

Loans from Sberbank 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

• Min. amount: 500,000 rub.;
• Max. amount: 10 million rubles;
• Duration: up to 20 years;
• Commission: none;
• Security: real estate pledge.

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	Bid
up to 60%	11,3%

Allowances:

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

1.0% - upon refusal of life and health insurance of the borrower.

Requirements for the borrower

Age: from 21 to 75 (at the date of refund) years;

Experience:
at least 6 months at the current place of work for salary clients;
at least 6 months at the current place of work and at least 1 year of total work experience over the last 5 years for ordinary individuals.

Required documents

To consider a loan application you need:
Russian passport;
certificate 2-NDFL;
a copy of the work book;
pledge documents.

Collateral requirements

What can be collateral:
apartment;
"town house";
House;
living space with land plot, on which it is located;
land plot;
garage;
garage with the land on which it is located.

Sberbank loan individuals running private household plots

This is a special loan program for owners of personal subsidiary plots (LPH). The funds received can be spent, among other things, on the development of private household plots, which you run on your own or rented land.

Money is issued without collateral; it is enough to bring a guarantor. If you need to increase the loan amount, you will need a co-borrower. This can be any solvent family member included in the list of household members.

Conditions

• Min. amount: 30,000 rub.;
• Max. amount: 1.5 million rubles;
• Duration: up to 5 years;
• Security: guarantees from individuals.

Interest rate

17.0% per annum.

Requirements for the borrower

Age: from 21 to 75 (at the date of refund) years;

Experience: the borrower must be the owner of a private household plot.

Required documents

To consider a loan application you need:
Russian passport;
extract from the household ledger on the accounting of private household plots.

See loan rates at Rosselkhozbank.

How to get a consumer loan from Sberbank

1. Choose a suitable loan for the purposes you need by carefully studying the conditions for receiving money listed above.
2. Calculate the monthly payment amount and overpayment using loan calculator. It is located higher on this page or. Study the approximate payment schedule.
3. Assess whether you have enough financial resources to repay the loan according to schedule, without delays.

When considering a loan application, banks are now required to calculate the borrower's debt burden. If you devote more than half of your total income to repay all your loans, including the one you are planning to take, then the likelihood of your application being approved is greatly reduced.

1. Apply for a loan. This can be done at the bank office or via the Internet in Sberbank Online.

How to apply for a loan at the Sberbank office?

How to apply for a loan in Sberbank Online?

Log in to the Sberbank Online Internet bank and go to the “Loans” section in the top menu.
Then click the “Take a loan from Sberbank” button. After this, a form will open to select loan parameters.
Choose the loan amount and term that suits you. After this, the system will automatically calculate the interest rate and the amount of the monthly payment.
Select a service office convenient for you and click the “Apply for a loan” button.
Confirm your loan application with an SMS password and fill out all fields of the application form.
After filling out the form, the “Submit Application” button will become active.
Click on it and wait for the bank's response.

1. Wait for the decision. This may take from 2 minutes to several hours. And the maximum period for reviewing a loan application is 2 business days! You can track the status of your application in the Sberbank-Online Internet bank in the “Loans” section.
2. Receive an SMS with the result of the review. If you are pre-approved, you will be able to receive the money.
3. Take the money. If your application is approved, you can receive the money within 30 days.
   For those who use Sberbank online, just go to the “Loans” section and on the screen with the approved application, click on the “Apply for a loan” button. The funds will be transferred to your debit card on the same day.
   If you do not receive your salary or pension into your Sberbank account, you will have to contact the bank office to apply for a loan. You will be given a new debit card free of charge and money will be transferred to it.

Who can take out a loan from Sberbank today?

Requirements for borrowers vary depending on the loan program. There are three main criteria.

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 Sberbank 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 financial condition borrower, and a document proving employment.

What documents are needed to obtain a loan?

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

1. Russian Federation passport with registration mark;
2. Certificate 2-NDFL for the last 6 months or according to the bank form;
3. A copy of the work book.

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. Read more about the documents for completing a loan application. Depending on the specific situation, it is better to check with the bank for a complete list.

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 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

Full or partial early repayment of 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?

For late repayment of the loan or non-payment of interest, a penalty will be charged. Its amount will be 20% per annum of the overdue payment amount.

The penalty will be charged for the entire period of delay. Sanctions will be imposed the very next day after the client fails to make the next payment. They will last until the date of repayment of the overdue debt.

The bank may introduce other types of liability for violation of various obligations of the borrower. Therefore, it is better to clarify the details with Sberbank employees in advance.

Is it possible to take out a loan from Sberbank if you already have loans from other banks?

Yes. You can apply for a new consumer loan at Sberbank or refinance existing loans from other banks.

More questions and answers

Does Sberbank issue a loan without an income certificate?

Yes. Today at Sberbank you can get a loan without providing a certificate of income in the amount of up to 300,000 rubles. An amount over 300,000 rubles without proof of income can only be received by those who receive a salary or pension on a Sberbank card. They do not need to confirm their financial status. But in order to increase the likelihood of approval or reduce the rate, salary clients of the SB of the Russian Federation can provide certificates of other income. For example, from part-time work.

Is it possible to get a loan from Sberbank online?

Can. But only existing clients of the SB of the Russian Federation who have access to the Sberbank-Online Internet bank can do this. If you are not yet a Sber client, you can only apply for a loan at the bank’s office. To access remote services SB RF and be able to apply for loans online, just apply for any of the bank’s cards.

How many days does it take to process a loan application through Sberbank Online?

The processing time for a loan application for the bank's payroll clients is from 2 minutes. For clients who do not receive a salary or pension into their Sberbank account, the period is longer. It is no more than 2 days from the moment the borrower submits it to the bank complete package documents.

Conclusions: pros and cons of Sberbank consumer loans

Sum. Today, without collateral or guarantors, you can get a loan from Sberbank in the amount of up to 3-5 million rubles. Considering that the average loan size in our country is now about 200,000 rubles, the money provided by Sber is more than enough.

Interest rates. Today, loans from the RF Security Council are not the lowest. But the bank periodically holds promotions. Therefore, if you do not need money urgently, you can find the right time and apply for a loan at a promotional reduced rate.

Requirements for borrowers. Sber offers today various programs for young people, pensioners and other individuals, expanding the range of potential borrowers.

Documentation. The package of certificates for receiving money is standard. But it does not provide the possibility of indirect confirmation of income.

Availability. The bank has the widest network of branches and is actively developing remote services, which allows clients to easily communicate with employees of the credit institution.

Sanctions. We must not forget that for late repayment of the loan, a penalty of 20% per annum will be charged on the amount of the overdue payment.

How to get a Sberbank loan at the minimum rate

Lending has become commonplace and in a convenient way obtaining funds for a wide variety of purposes. Often you have to look for guarantors, but not every friend or relative will agree to do this.
In such a situation, you can use a loan without guarantors from Sberbank. The bank itself acts as a guarantor and assumes the risks of the transaction. You can now apply for a loan not only by visiting a bank branch in person, but also via the Internet, remotely.

Getting a cash loan

A loan without guarantors at Sberbank is available to the following categories of the population:

• having an open account with a bank, receiving a salary, credit or any other card, as well as receiving a pension at bank branches;
• citizens who have previously taken out loans and have a good credit history;
• those who applied to the bank for the first time, etc.

Credit terms

Use what you receive from the bank cash You can at your own discretion. The loan is issued for a period of up to 5 years, the amount varies from 30 thousand to 5 million rubles (if you receive your salary into an account in Sberbank and 3,000,000 for other borrowers). The loan rate today is from 12.9%, but it is subject to change. This is influenced by the duration of the loan and the client’s income. Pensioners receiving a pension on a Sberbank card can receive a reduction in the interest rate. A loan without guarantors from Sberbank is especially advantageous in comparison with other banks. Get comprehensive information on interest rates and payments can be made remotely. The Sberbank website has an online calculator that you can use to calculate monthly payments.

Interest rates

Requirements for loan borrowers

You can apply for a loan without certificates at a Sberbank branch or remotely. Before issuing money, the bank will independently check the financial capabilities of the borrower.
A loan without a guarantor from Sberbank on such favorable terms can be taken out by:

• Russian citizens aged 21 to 65 years;
• persons registered at the place of residence. If it is temporary, then the expiration date must exceed the expiration time of the loan agreement;
• the borrower must have a permanent income - receive a pension on a Sberbank card or work in one place for 12 months or longer over the past 5 years.

Documents for registration

Before starting the procedure, you must submit a standard application. If all conditions are met, a positive decision will be received very quickly. Bank employees process received applications within 2 hours, and from non-residents of the bank - within 2 business days.
A loan can be issued if you provide the following documents:

• fill out a standard application;
• provide an identification document indicating registration;
• income certificate form 2NDFL;
• a copy of the work book certified by the employer (all completed pages).

The list can always be clarified on the bank’s website.
Provides significant convenience in obtaining a loan Personal Area from Sberbank. Through it, you can leave a loan application on the website and independently obtain information about special offers from the bank.

Loan repayment

The entire loan amount is divided into equal parts. You will need to transfer a certain amount to the bank every month and monitor the timeliness of payments. Otherwise, the bank will charge a late fee.

Conclusion

From the above, it becomes clear that anyone can take out a loan without guarantors from Sberbank. Submitting an online application makes taking out a loan much easier.