The Severgasbank loan calculator will help you calculate a consumer loan in cash in 2019 - 2020: the amount of monthly loan payments and payment terms for early repayment. Use official online calculator om on the site is free!

Living on credit is convenient and practical. Consumer loans have become a part of the lives of Russians. Cash loans are especially popular among borrowers. Lending in 2017 - 2018 will delight you with a variety of offers for individuals.

To choose the most interesting and profitable of them, plan early repayment loan required financial instrument. This is exactly what it is credit calculator Severgasbank (SGB): convenient, visual, free.

Lending terms

• Borrower's age: from 18 to 75 years (at the time of repayment);
• Minimum amount: 30,000 rubles;
• Maximum amount: 5 million rubles;
• Duration: from 3 months to 5 years;
• Commission for issuing a loan: none;
• Security: guarantees from individuals – citizens of the Russian Federation (no more than 2).

Loan interest rate

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Severgasbank, with its head office in Vologda, is developing activity in the North-Western regions, Krasnoyarsk Territory, Moscow and St. Petersburg. The bank offers two programs consumer lending with flexible conditions. Features of the programs - Special offers for staff budgetary organizations, law enforcement agencies and departments.

The loan repayment calculator allows you to calculate online amount payments, interest and overpayment for loans with early repayment, with partial early repayment.

Calculator credit loan will make the calculation:

• For holders salary cards
• For legal entities.
• For individuals.
• For pensioners.
• For individual entrepreneurs.

The terms of the loan depend on the purpose of the loan and determine: required package documents, interest rates, amount of allocated funds. You can take out a bank loan:

• Cash.
• For the development of small business.
• To buy a car.
• To buy a home, to build a house.
• For refinancing.

Severgasbank – Russian regional commercial Bank. Its activities are concentrated in the Arkhangelsk, Vologda and Yaroslavl regions, as well as in some other regions of the country. Priority activities of Severgasbank - lending to corporate and private clients, as well as attracting funds from citizens into deposits.

Since its founding in 1994, the company has acquired over 500,000 regular private clients, as well as more than 800,000 companies and enterprises. The bank has a developed branch network, which consists of 45 operational offices and branches located in nine regions Russian Federation. Design online application You can get a loan from Severgasbank without leaving your home - you just need to go to the lender’s website.

Consumer lending programs

Severgasbank has an abundance of consumer lending programs designed for various categories of clients. You can receive money both for the implementation of any consumer goals and for the quick repayment of existing debts issued in other Russian banks.

Eat preferential terms for gas industry workers, accredited companies, public sector employees and others. If you are interested in taking out a loan from Severgazbank in cash without certificates or guarantors, read more below.

Credit "Partners Fast"

This is special loan offer, aimed at employees of companies that are Severgasbank partners. You can receive money under this program for any consumer purposes that are not related to business activities.

It takes the bank no more than one working day to review the application. This means that you get profitable loan possible as early as the next day after the application is submitted. Another advantage of this offer is the minimum of documents.

As part of the offer "Partners Fast" You can get a loan in the amount of 50,000 to 1,500,000 rubles on a card or in cash. The bank allows a period ranging from one to five years inclusive for debt repayment.

The borrower can choose the optimal debt repayment period for him - one year, three years or five years. The interest rate for using credit money starts at 12% per annum. It depends on the borrower’s solvency and the selected loan parameters. As part of the holiday calendar, you can get a discount on the rate in the amount of 0.5% per annum, as with the service package « Credit opportunities» .

To register online loan at Severgasbank in cash, you do not need to provide the bank with security in the form of collateral or guarantors. It is enough to confirm official income and have a positive history in this or other banks. Based on this, the lender is highly likely to make a positive decision.

Credit "Corporate"

This offer is created for employees of accredited companies that are connected to the program "Corporate". Credit funds can be spent on any consumer purposes, as well as on repaying debts issued to other creditors. When applying for a loan, it is issued credit card. Borrowers who are officially married have the opportunity to apply for a loan together with a partner.

Employees of accredited companies can expect to receive a loan in the amount of 50,000 rubles. The maximum amount available without collateral is 1,500,000 rubles. Provided there is one guarantor, you can receive up to 3,000,000 rubles inclusive.

A period from six months to seven years inclusive is allocated for debt repayment. The borrower can independently choose the optimal loan repayment period. Loan rate "Corporate" depends on the term and amount of the loan. It falls within the range of 13% to 15%.

With participation in bonus program the rate is reduced by 0.5% per annum. If the borrower refuses to purchase a policy voluntary insurance, interest rate for it automatically increases by 2% per annum. If you are satisfied with these conditions, then a simple online application for a loan at Severgasbank separates you from the money.

Package of services “Credit opportunities”

Do you want to apply online for a loan from Severgasbank, but are not satisfied with the loan terms? In this case, it is worth using the service package "Credit opportunities". The package includes three important options:

• Skip a payment. Customers with a positive credit history who have been repaying their loan for six or more months can benefit from a monthly payment skip once a year. The cost of the service is 15% of the amount of the missed payment, but not more than three thousand rubles. You can use this option if there are more than three months left until the end of the loan agreement.
• Credit holidays. This service allows you to defer loan repayment for three months. Customers with positive story, and only for those loans, from the moment of registration of which more than six months have passed. The cost of the service is 10% of missed payments.
• Manage your bet. Customers who actively use a Severgasbank credit card receive a discount on the loan interest rate. The card is issued free of charge when applying for a loan. This option is available only to those borrowers who have a positive track record in repaying their debts.

Options "Skip a payment" And "Credit holidays" will allow you to get a break during financial problems, and thereby maintain a positive credit history and good relations with the lender.

Car loans

Cash loans from Severgasbank to individuals for the purchase of a car are issued under one car loan program. The lack of choice does not in any way affect the popularity of the bank among car owners, because one program "Autolux" opens ample opportunities for people with different needs.

As part of this car loan offer, employees of partner companies can receive a loan to purchase a new or used car. Vehicle can be both domestic and foreign.

To purchase a car under the program "Autolux" an amount of from 50,000 to 3,000,000 rubles is provided. When issuing a loan, the client is issued a free credit card with a limit of up to 500,000 rubles.

A period of six months to seven years inclusive is allotted for debt repayment. The interest rate starts at 11.7% per annum. An initial fee not required. The collateral is the purchased car.

If the borrower refuses to take out voluntary insurance, the rate increases by 2% per annum. If the client does not fulfill the obligation to insure the collateral car under CASCO, the interest rate automatically increases by 6% per annum. 30 calendar days are allotted for transport insurance.

Mortgage credit lending

Have you been dreaming of your own home for a long time? An online application for a cash loan from Severgasbank will help you get even closer to fulfilling your dreams. The company offers a choice of favorable mortgage offers:

• Maternal capital. This loan is for improvement living conditions, namely for the purchase of any residential real estate using funds family capital. The money can also be spent on property repairs, home improvement and other related needs. It is possible to receive from 200,000 rubles with an initial payment of 20% and an interest rate of 26% per annum. You can get a loan for maternity capital from Severgasbank until your child reaches the age of three. Life insurance is not required. No documentary proof of income is required. A period of up to four months is allotted to repay the debt, so the overpayment will be small.
• Military mortgage. Applying for a loan under this program is available to any military personnel who participate in the savings-mortgage system. If this condition is met, you can take from 300,000 to 2,410,000 rubles with a repayment period up to the age of 45 years. The interest rate will be 9% per annum. Down payment – ​​from 20% of the housing price.

You can also get a large cash loan secured by your own real estate. A loan of up to 60% of the value of the collateral property is available.

The interest rate starts at 9.25% per annum. The borrower is given a period from one year to thirty years inclusive to repay the debt.

Requirements for borrowers

Before submitting an online loan application from Severgasbank, it is a good idea to familiarize yourself with the lender’s requirements for borrowers. This will help assess your chances of getting approved. You must meet the following requirements:

• having citizenship of the Russian Federation;
• permanent residence on the territory of the Russian Federation;
• age on the date of applying to the bank for a loan – from 20 years;
• age at the expected date of debt repayment – ​​up to 65 years;
• having at least three months of experience in the current workplace;
• Availability mobile phone to maintain contact with the bank;
• the minimum income for the regions is 15,000 rubles, for Moscow – 30,000 rubles;
• positive credit history with this or other banks.

Some loan programs have separate requirements that must be met in order to be approved for a loan. For example, to apply for a loan under the program "Partners Fast", you need to be employed in a company that is a partner of Severgasbank.

View the complete and current list corporate clients and the bank’s partners can always be found on its official website.

What documents are needed?

After your loan application has been approved by Severgasbank, you will need to provide the lender with a package of documents to process the loan. This package includes the following documents:

• application form from the borrower to receive money;
• original passport of a citizen of the Russian Federation;
• a copy of the work book, employment contract or contract;
• document about successful completion probationary period;
• a document reflecting the amount of income for the last three months;
• military ID - for men up to 27 years of age inclusive;
• for individual entrepreneurs - a certificate of registration of individual entrepreneurs.

It is worth noting that a document confirming successful completion of the probationary period is required only from borrowers whose work experience in their current place is less than three months.

If necessary, a bank employee may require additional documents from the client for a more detailed assessment of solvency.

Debt repayment

If your loan application has been approved and you have already received money, be prepared to repay your debt fairly and regularly. You can do this in one of many simple ways:

• at any bank branch without commission and with minimal waiting for the payment to be credited;
• through terminals and ATMs with the function of accepting cash without commission and instantly;
• through devices belonging to other banks, with a small commission, up to one day;
• intrabank transfer instantly and without commission, interbank transfer with a small fee;
• replenishment via Internet banking - instantly, without commission, available anywhere.

If it is possible to pay off the loan in advance, you can do so without restrictions or penalties. Both partial and full early repayment are available - the second can be used at any day.

All you need to do for partial or full early repayment is to contact the branch to submit an application.

An application for a loan from Severgasbank will bring you closer to achieving goals that require a lot of money. Today you can visit the lender’s official website to fill out an application and get a large loan.

Maxim Demchenko

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SGB ​​Bank issues loans to individuals for purchases and refinancing. At Severgasbank you can get a consumer loan without collateral. To increase the loan amount, you will need to find a co-borrower or guarantor. Using the services of the “Credit Opportunities” package, you can skip monthly payment or lower your interest rate.

The State Security Service issues loans to various social categories clients: employees, pensioners and individual entrepreneurs. Loan parameters depend on the terms of the offer and the category of the borrower. Special rates apply to employees of bank partners.

Consumer loan “Affordable”

The loan is issued for any purpose without collateral or guarantee. It can be used both for purchases and for repayment of other loans. This loan can be obtained by pensioners, public sector employees, employees of the bank’s partner companies, salary and credit clients Severgasbank.

Employees of budgetary enterprises can receive loans. Clients can spend the money on purchasing household appliances, a car, or repaying loans from other banks.

“Special Purpose”

This loan is issued to employees of law enforcement agencies, the Ministry of Internal Affairs and the FSB, representatives of the judiciary, and employees of the Ministry of Emergency Situations. The loan can be used for various purchases or refinancing.

The loan is provided to employees of gas industry enterprises included in the list approved by Severgasbank. Clients can use the money as they wish.

"A priority"

The credit product Employees of enterprises that are included by the bank in the “Priority” group can apply for it. A complete list of such companies can be found on the Severgasbank website.

"Partners"

Clients working for Severgasbank partners can apply for this loan. The loan agreement can be signed at partner offices without going to a bank branch. If an amount of >1.5 million rubles is required, then security is required - a guarantee, a pledge of a vehicle or real estate.

“Partners Fast”

This loan is provided to clients who work for Severgasbank partners. The money can be used for purchases or payment for services. The loan is issued in the office the next day after signing the loan agreement.

"Corporate"

Loan for employees of enterprises accredited by the bank. The money received can be spent on paying for goods and services, traveling abroad or building a house.

“Corporate fast”

The loan is issued without collateral to clients who work in the Corporate group of companies. You can receive the money the next day after writing your application.

“Trustworthy”

This loan can only be taken out by salary clients of Severgasbank. The amount received can be spent on consumer purposes or refinanced other loans.

“Reliable client”

The loan can be obtained by individuals who have repaid or are repaying loans to the State Security Service without delay over the last 3 years. It can be used to purchase furniture, repairs, or pay off debts from other banks.

“MaxiCredit”

The loan can be obtained by Severgasbank clients with a good credit history. Using this product, you can improve the lending conditions for a previously issued loan or get money for purchases.

“Cozy home”

Provided to clients who have a mortgage with Severgasbank. The funds received can be used for home improvement - repairs, interior design or the purchase of household appliances.

“Pension”

This loan can be taken out by pensioners based on age or length of service, as well as individuals on lifelong maintenance. Clients can spend money on consumer purposes or close loans from other credit institutions.

"Social"

The loan can be obtained by state employees, representatives judiciary, credit clients of the bank, employees of companies that belong to the preferential groups of Severgasbank - gas industry enterprise, “Priority” and “Corporate 1”. Borrowers must live in populated areas with a population of up to 20 thousand people.

"New client"

This loan can be obtained by clients who have outstanding consumer or mortgage loans with other banks.

“For clients of LenOblAIZHK”

This loan can be obtained by clients of the Leningrad Regional Agency for Housing Mortgage Lending. It can be issued at the organization’s offices to resolve everyday issues or refinance.

Loan for pensioners and clients who have entered into a non-state agreement pension provision. You can apply for this consumer loan at the branches of the Gas Fund PN.

Lending terms

Severgasbank issues consumer loans for various purposes, except for conducting business activities. Confirmation of the use of money for its intended purpose will be required if the loan is targeted. The purpose of the loan affects the interest rate.

General terms

Severgasbank calculates the loan amount depending on the client’s income level. The limit is also affected by the type of loan product and category of the borrower. The maximum loan amount is 3 million rubles.

The interest rate is set by the bank depending on the amount and term of the loan. Standard rates range from 10.0 to 16.4%. If the client refuses insurance, the rate increases by 2-4%.

Each loan program allows you to use money to pay off debts. You can refinance loans from third-party banks that have been paid without delay for more than 6 months.

Having received a loan, the borrower undertakes to pay the bank according to the schedule the amount of principal and accrued interest. Severgasbank loans are repaid in equal monthly payments. If the client delays payment of the loan, the bank will require payment of a penalty in the amount of 0.054% for each day of delay.

The bank is also responsible for the timely issuance of the loan. If the credit institution does not fulfill its obligations, the borrower has the right to demand payment of a penalty in the amount of 3% of the amount of the unissued consumer loan.

The client can repay the Severgasbank consumer loan in full or in part ahead of schedule. There is no additional fee for paying ahead of schedule. There is also no need to notify the bank in advance about early repayment.

Features of providing a loan

Severgasbank offers to issue a loan at a discount. Under the bonus program, clients can receive a rate reduced by 0.5% if they have a positive credit history or a fixed-term deposit with a bank. Please note that this offer does not apply to refinancing.

According to the “Holiday Calendar” program on your birthday, New Year And professional holidays customers can reduce their interest rate by 0.25%. The discount can be used within 10 days before and 5 days after the holiday.

Salary clients, as well as persons receiving pensions or other payments for maintenance at the bank, can apply for a loan at a rate reduced by 0.5%. The table contains all possible discounts on bank loan products.

Credit tariff	Calendar holidays	bonus program	Salary clients, pension in the bank	Other
"Accessible"	—	—	—	—
“For public sector workers”	+	+	+	—
“Special Purpose Loan”	+	+	+	—
“For workers of gas industry enterprises”	+	+	+
"A priority"	+	+	+	-1% to employees of Level I enterprises of the “Priority” program (not valid for refinancing)
"Partners"	+	—	—	—
"Partners Fast"	+	—	—	—
"Corporate"	+	+	+	—
“Corporate fast”	+	—	—	—
“Trustworthy”	+	+	—	—
“Reliable client”	+	-1% if there is a good credit history on an existing mortgage loan in the SGB (not valid for refinancing)	—	—
“MaxiCredit”	+	—	—	—
“Cozy home”	+	—	—	—
“Pension”	+	+	+
"Social"	+	—	+	—
"New client"	+	—	—	-4% if the loan is to pay for a mortgage from another bank
“For clients of LenOblAIZHK”	—	—	—	—
“For clients of NPF GAZFOND pension savings”	—	-0.5, if the borrower is a pensioner of GAZFOND PN or has issued an NPO in the amount of >30 thousand rubles.	—	—

The set of “Credit opportunities” services includes three options:

• skip a payment (cost 15% of the monthly payment amount);
• credit holidays (first time without commission, then - 10% of the amount of missed payments on the principal debt);
• reduction in interest rates on loans up to 5 years ( maximum discount 9%, but the final rate must be >10%).

For registration of a package of services when signing a loan agreement, a fee of 900 rubles is charged. If you connect “Credit opportunities” later, the cost will increase to 1250 rubles.

Requirements for the borrower

The bank issues loans to clients with permanent residence and stable income. To reduce the risk of non-repayment of loans, Severgasbank makes the following requirements:

Basic

List of mandatory requirements:

• age from 20 to 60 years;
• citizenship of the Russian Federation;
• permanent registration in the regions where the bank operates;
• work experience at the current place >6 months;
• valid telephone number;
• exemption or deferment from military service for the duration of the loan;
• calculation of pensions by age, for length of service or lifelong maintenance (for pensioners);
• business period >1 year (for individual entrepreneurs).

Preferential

To obtain loans for special conditions Clients must meet the following requirements:

• age of state employees at the date of loan repayment - 65 years, pensioners - 70;
• the minimum income for Moscow residents is 30,000 rubles, for others - 15,000 rubles;
• work experience of payroll clients and employees of the bank's partner enterprises >3 months.

The credit institution does not limit the total length of service and sources of income. It is important for the bank that the borrower has regular cash receipts and a positive credit history.

Required documents

To receive a loan, the client must identify himself and prove the availability monthly income. To confirm this data, the bank requires a package of documents.

Mandatory documents

The standard set of documents includes:

• passport of a citizen of the Russian Federation;
• certificate of income for the last 6 months. (for pensioners for 2 months);
• military ID or certificate of exemption/deferment from military service (for men of military age);
• for refinancing - a certificate of issued loans or a loan agreement, an account statement;
• individual entrepreneur registration certificate;
• documents confirming income from business activities.

Additional documents

In addition to standard documents, a credit institution may require:

• SNILS, INN, international passport, driver’s license (optional);
• marriage registration certificate.

Full list additional documents, confirming income and employment, can be found on the official website of Severgasbank or in branches.

How to get a loan

You can fill out an application for a loan yourself on the bank’s website or contact any branch of the bank.

Through the Internet

On the Severgasbank website you need to select the loan you are interested in and click on the “Submit Application” button. You can also get to the page with the questionnaire on the “Become a client” tab by selecting the “Loan Application” option.

In the application form you need to fill out the fields: enter your contact information and click “Submit”.

Employee credit organization will call back at the specified number, will clarify the information in the questionnaire and invite you to the office to sign a loan agreement.

In the office

At a bank branch you can get detailed advice about loans issued and calculate payments according to the desired option. A loan department employee will help you fill out the form and check the collected documents.

To find the nearest bank office, you can use the service on the official website of Severgasbank. The page with addresses is located on the “Branches” tab.

Methods of obtaining

After signing the loan agreement, the bank is obliged to issue money in a single payment within 30 days. Severgasbank issues loans in the following ways:

• credits to the account unnamed card(up to 300,000 rubles to pay for goods or services);
• issues cash at bank cash desks;
• transfers to an account or deposit opened with a bank.

Repayment methods

The borrower is required to pay the loan in monthly payments according to an individual payment schedule. There are several ways to repay a Severgasbank loan.

No commission

If the client does not have bank card or current account, they can be issued at any branch of the bank without additional commission.

With commission

The loan can be repaid Bank transaction. This method requires payment of a commission at the rates of the sending bank.

To pay the loan by transfer, you need to indicate in payment order Severgasbank details and loan agreement number. Repayment will occur on the date the funds are credited to the bank's correspondent account.

When choosing a payment method, you should consider the speed of money transfer and possible commissions. To avoid delays, Severgasbank recommends paying the loan in advance.

Insurance

In the event of a serious illness or job loss, the borrower may fall behind on loan payments. To avoid such situations, the bank offers to connect the program “ Financial protection" Severgasbank has 2 insurance offers:

• for pensioners - life and health insurance against accidents and illnesses;
• for working clients - the above and insurance against job loss.

The insurance company pays the loan to the bank if the borrower dies or acquires a Group 1 or 2 disability.

The validity period and amount of insurance coverage coincides in duration with loan agreement. There is a fee for connecting the service insurance premium. Its size depends on the rates of the insurance company chosen by the borrower.

Severgasbank’s line of credit products allows you to choose a loan for favorable conditions. For borrowers with debts from other banks, a loan “For new clients” is suitable. To make a large purchase, go on vacation or make repairs, you can use the “Affordable” loan. Employees of the bank's partner companies and salary clients The bank issues consumer loans at rates reduced by 0.25-0.5%.

Severgasbank offers 18 credit programs with an interest rate of 10.90% per annum. You can take maximum amount up to 3,000,000 rub. The Severgasbank loan calculator will calculate a consumer loan in 2018 - 2019 in one click: monthly loan payments, the amount of overpayment on the loan and payment terms for early repayment. Our online calculator is free and does not require registration.

Consumer loans have become an integral part of our Everyday life. According to statistics, the most popular among borrowers are cash loans. To choose the most profitable one, plan payments, early repayment of the loan and the amount of overpayment, you need a reliable and proven financial instrument whose calculations you can trust. Why is it worth using our Severgazbank loan calculator?

• Current loan interest rates (updated once a day)
• Simple and intuitive interface
• Dynamic online loan calculation Severgasbank in one click
• Completely free and no registration required

The loan calculator is suitable for:

• For individuals
• For individuals receiving a salary from Severgazbank (special conditions for salary card holders)
• For pensioners

You can take out a loan from a bank:

• just cash for any purpose
• for business development
• to get another loan
• for buying a car
• to refinance a loan from Severgasbank

Rest assured - the Severgasbank loan calculator will calculate your consumer loan 100% accurately. Happy shopping.

Lately, many people are afraid to use credit instruments. This is also related to economic conditions, and with negative lending experience in other banks. As a result, the quality of life suffers, because it is extremely difficult to save up for housing, a car or other necessary large purchases.

But in reality, there is no need to infringe on yourself. Some banks offer quite favorable and flexible terms lending. For example, consumer loans or mortgages from Severgasbank have worked well. Bank specialists work individually with each client and select a loan product based on personal needs and capabilities. The online SGB calculator built into the official website allows you to calculate approximate interest amounts and optimal repayment periods in advance.

Review of profitable loans from Severgasbank

The bank has developed several loan programs for different segments of the population. Obtaining consumer loans from the State Security Service for individuals is as easy as shelling pears. You just need to decide on the type of service.

Credit "Available"

• Amounts from 250 thousand to 1 million rubles without collateral, commission and guarantors
• free of charge
• Valid for both opening a new loan and refinancing
• Interest rate – 10.9% per annum.

Credit "New Client"

• Available for borrowers with valid consumer and/or mortgage loans in other banks
• From 50 to 500 thousand rubles is issued without involving guarantors or posting collateral
• Flexible settings for program conditions additional services“Credit opportunities” and interest discount on holidays
• Interest rate – from 14.4% to 16.4%

Overdraft

• Will help out if there is a lack of funds for debit account – credit limit from 10 to 50 thousand rubles
• Loan repayment period – up to 2 years
• Credit funds can be withdrawn without commission
• The interest rate is not charged on the entire limit amount, but only on the money actually spent from the account

Special offer! SGB ​​offers a number of unique products for employees and clients of partner companies. They allow individuals to take out loans from Severgasbank on the most favorable terms. All details by phone hotline jar.

Credit "Corporate"

• Interest rate is only 9.25%
• Loans for amounts up to 1,500,000 are issued without guarantee
• Repayment period – from six months to 7 years
• Interest rate discount, flexible terms and conditions and a credit card for 50 thousand rubles as a gift

Credit "Autolux" partners

• Guaranteed bonuses and reduced interest rates under the Credit Opportunities program
• Credit card with a gift limit
• Possibility to take an amount from 50,000 to 3,000,000 rubles

Loan for clients of NPF GAZFOND

• Up to 1 million rubles without guarantee
• It is possible to refinance loans previously taken from other banks
• Repayment period – up to 5 years

Loan for LenOblAIZHK clients

• You can apply for a loan directly at the LenOblAIZh office
• Amounts of up to a million rubles can be borrowed without collateral or guarantors
• The loan is provided for any purpose

Overdraft partners

• The interest rate is one of the lowest for overdraft in the country - only 17%
• Limit from 30,000 to 500,000 rubles
• Interest is calculated only on the amount withdrawn from the account
• Withdrawing money without commission

All details for each product are available on the official website of the SGB without mandatory registration. If you don’t have time to visit the office, Severgasbank’s calculator will help you roughly calculate the interest on any loan in advance and assess your capabilities.

If you want to get a loan as quickly as possible, you can fill out an application on the website. This is done quickly and easily!

1. Scroll down on the page with the loan you have chosen or click on the “Become a customer” button in the upper right corner of the page. Select an option – loan or mortgage.
2. Enter your data in the form:
   • Last name and first name in the nominative case (Kalinina Efrosinya, Makarov Makar);
   • Phone number (+7 *** *** ** **);
   • Valid email address;
   • Your city of actual residence;
   • In the “Comment” field, you can indicate what kind of loan you are interested in, what amount you need, and you can also ask any questions you may have.
3. Check the “I am not a robot” box and click the “Submit” button.

After this, a bank specialist will contact you to clarify all the details. They will tell you what documents you need to provide and agree on the date and time of your visit to the bank to apply for a loan. The specified data will be used to create an account on the bank's website.

Mortgage at Severgasbank

Mortgage lending is the most popular and, as a rule, the most expensive banking service. The mortgage interest rate at Severgasbank is currently one of the lowest in the country, the average is only about 9.5%.

SGB ​​Bank is among the top 40 banks in the Russian Federation. Clients especially note qualified specialists and the speed of operations. Reviews for mortgages from Severgasbank are mostly positive - low percentage, willingness of staff to advise the best option, no red tape and no insurance requirements. It is also worth noting the presence mortgage calculator– at Severgasbank you can calculate the mortgage interest without the help of specialists in the office.

The bank offers several types of loans depending on your needs.

Loan secured by existing housing

• There is no need to insure life and health
• There is no need to urgently sell your existing housing - you can live in it until you move to a new one
• To repay, you can use Maternity Capital

Military mortgage (for NIS participants)

• Loan amounts from 500,000 to 2,486,000 rubles
• Fixed interest rate – 9%
• No need to take out a life and health insurance contract
• Preferential terms for consumer loans

Program "Maternity capital without proof of income"

• Allows you to close the loan at one time by depositing Maternal capital after receiving the certificate
• No need to confirm income
• The borrower is not required to insure life and health
• Benefits for SSS consumer loans

It is possible to either open a new mortgage loan or refinance your mortgage at Severgasbank (you will be offered several options for such lending).

You can make loan payments not only in offices, but also through the Internet banking service via the link ib.severgazbank.ru. To do this you need:

1. Enter Personal Area, view the information in the “Next payment” field.
2. Click on the line “Top up your account to repay the loan” and the “Actions” field on the right.
3. Select an account to debit funds. You cannot use funds from an overdraft or deposit account to repay the loan.
4. Enter the payment amount and check all data.
5. Confirm payment via introduction verification code and click “Translate”.

The transaction receipt can be saved, sent and printed. Payment is made within 1 business day from the moment the money is deposited.

Credit does not always mean bondage. Banks often accommodate conscientious citizens halfway, eliminating overpayments and bureaucracy. The main thing is to choose a reliable lender and the conditions that best suit you.