For its clients, Sberbank of Russia has provided several lending programs, among which everyone will be able to choose the best option for themselves, both in terms of requirements and conditions. Before you take a loan from 100,000 at Sberbank, you need to study consumer lending for individuals.
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Sberbank loan for individuals
Within the framework of the bank's programs, the applicant can take a loan of up to three million rubles without providing property or guarantors as collateral. Many other loan offers for individuals .
The application is considered only on the basis of an identity document (passport). In case of a positive answer, it is necessary to provide mandatory documents confirming the work experience and salary level. There are a number of requirements for experience. For example, at the current place of work, it is necessary to work for at least 6 months, and at the previous ones - from a year or more for 5 years.
Interest rate conditions
Usually, the interest rate is assigned depending on the conditions and ranges from 12.5%. If you use a Sberbank salary card , you can count on a simplified registration procedure and a reduced rate. In this case, the coordination will be carried out right at the time of application. The bank employee will double-check the frequency and amount of receipts on the card and no more additional confirmations will be required.
Personal programs for bank clients
Sberbank employees individually develop optimal lending programs for existing customers and send them to users by:
- telephone;
- e-mail;
- SMS;
- through an ATM.
In the latter case, while working with an ATM, an offer will appear on the screen. Along with that, you can learn about existing programs or in the course of making money payments or transfers directly at the bank branch.
Calculation of conditions and loan parameters
For a better understanding of the size of the bet and the conditions, you can use the calculator on the site.
In the indicated fields you need to enter:
- information about yourself;
- wishes;
- required loan amount;
- date of issue;
- return date limit;
- floor;
- Optionally, you can fill in the income.
After completing the calculation, you can immediately orient yourself with a specific offer, the amount of required payments, the interest rate and the total amount of overpayment for the entire lending period. Additionally, you can analyze graphical information or a payout table for each month.
In addition, you can navigate in the choice of a suitable option by comparing the following calculation parameters:
- sum. All you have to do is pay the amount of credit you need. Sberbank itself will make an up-to-date offer regarding the monthly payment and rate;
- monthly payment. In this case, only the amount that the client can pay every month is indicated. The calculator will calculate the optimal loan amount and terms of its repayment;
- income.
Loan payments for example 100,000 for 12 months
So, how to get a loan from 100,000 at Sberbank? If the rate is 12.9%, and the term of the agreement is one year, then a little more than 8,900 rubles will have to be paid monthly.
Online loan pre-calculation calculator
On page (by selecting any loan program), you can use the online calculator for calculating the loan according to the specified parameters.