One of the most memorable events in life is a wedding. In order to adequately celebrate this event, you can apply for a wedding loan at Sberbank. This will require certain documents.
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Options for loan programs for wedding expenses, conditions
In order to obtain this loan, Sberbank offers various programs. You do not need to indicate the reason where the money will be spent - for a wedding or in other directions. Also, you can get a standard loan.
General conditions for a consumer loan at Sberbank:
- age limit - over 21 years;
- amount: up to 5 million rubles;
- interest rate: from 11.5% per year;
- period: 3 months - 5 years.
In order to get a loan for a wedding at Sberbank, you must provide documents that can confirm creditworthiness. When applying for a loan of a small size, this confirmation may not be required.
In this case, it is necessary to have a stable source of income and the presence of a positive credit history (when using loans earlier).
As a payroll client of Sberbank, you can take advantage of the following benefits:
- high probability of obtaining a positive decision of the bank;
- the duration of the application consideration period is only a few hours;
- a minimum set of documents (passport with a mark of registration).
Credit with the support of guarantors
Providing collateral for a loan
Colleagues at work, relatives or acquaintances who are citizens of the Russian Federation can be considered as guarantors. If it is not possible to provide proof of one's own income, similar documents from guarantors will be required.
At the same time, certain age restrictions are set - from 18 years. The amount that can be taken under this program has a more impressive amount of up to 5 million rubles. The rate also differs in more favorable parameters - reduced to 11.5%. The exact amount of the interest rate depends on the selected payment period. In case of obtaining a loan for a short period, the rate will have more loyal parameters.
Examples of calculating a loan at the highest rate and with different amounts:
Loan for 100 thousand rubles. Loan for 300 thousand rubles.
Loan for 500 thousand rubles.
To determine the optimal loan for a wedding at Sberbank, you can make a calculation on a special Sberbank calculator.
Information for completing the calculator:
- calculation options: by the size of the loan, by the amount of income, by the amount of monthly payments;
- the age and gender of the borrower;
- the amount required to receive;
- the length of the credit period;
- the amount of income;
- other information: general and additional family income.
Advantages of Sberbank credit cards
In addition, Sberbank has another way to receive money for a wedding - credit cards. Both members of the future family can take them. The main advantages of credit cards:
- when repaying the debt during the interest-free period, you do not need to pay interest to the bank;
- credit cards can then be used for their own purposes.
Disadvantages of weddings using credit cards:
- there is a certain limit of money, which may not be enough;
- payment by cards is not allowed at all wedding celebrations.
How to repay a loan for a wedding without paying interest to Sberbank:
Quite often at the wedding, the newlyweds receive gifts in the form of money. If desired, they can be used to repay the loan taken. In the event that a credit card was used, then you can return the money within the prescribed 50 days and do not pay interest to the bank.
Online calculator and all the details on loan programs
For an online calculation, you can use the Sberbank loan calculatorby setting your parameters.
Details on all loans with different conditions are on the official page of the bank .
Online application for a loan at Sberbank
You can apply for a loan on the bank's page After that, a response will come from the bank with possible conditions.