Owners of Sberbank payroll cards can always count on the most advantageous offers and loyal conditions from the leader of the domestic banking sector. In addition, Sberbank loans to individuals and payroll card holders are issued an order of magnitude faster.
Content
Terms of lending to payroll clients in Sberbank
According to the terms of Sberbank, payroll card holders are entitled to receive:
- up to 3 million rubles without guarantors, collateral. The rate will be from 12.9%. Money is issued for various terms - 3-60 months;
- up to 5 million rubles, if there is a guarantor. The rate will be 12.9%. Borrowed money will be provided for a long period - up to 5 years;
- up to 10 million rubles if a salary client pledges his housing. In this case, the interest rate will be from 12%, and the loan time is the longest - up to 20 years.
If necessary, the owner of a salary card can apply to Sberbank in order to refinance a loan issued by another bank. The conditions in this case will be identical to a regular consumer loan - 3 million rubles for a period of 3 months or more. up to 5 years.
Having a salary card, you can count on targeted loans: for education, farming, mortgages.
But keep in mind that in some cases there may be additional costs, for example, if the loan is large and designed for a long time, then Sberbank representatives may ask the client to take out insurance. If a refusal follows, then one percent will be automatically added to the specified rate.
Wanting to find out how profitable a loan is at Sberbank, you should choose the type of loan you need and pay attention to the interest rate. The value with the prefix “from” is always indicated there - this minimum percentage is intended for everyone who participates in any salary projects of Sberbank.
Sberbank loan programs for individuals
Details on loan terms and interest rates (online calculator)
Everything about Sberbank loans to individuals and payroll card holders is on the bank's page . An online calculation calculator for various conditions is available on the page with the selected loan program.
Simplified package of documents for payroll clients of the bank
Anyone who has taken a loan at least once knows that all Russian credit organizations require that a potential client prove their solvency. To do this, you must provide a certificate drawn up in the form of 2-NDFL. But, when a person owns a Sberbank salary card, then there is no need for a certificate.
In addition, you do not need to prove your employment and experience (3 months in the current position, from 12 months in general).
Due to the above conditions, salary card holders will only need to provide their passport. But there must be a mark confirming registration.
All of the above reduces the time for preparing documents and simplifies the procedure. So, in many cases, the decision to issue borrowed money can be made within 2 hours. The same procedure for other individuals takes many times longer and may take several days.
Loan procedure
Sberbank tried to make its payroll customers the most comfortable conditions for obtaining credit money. It is enough to provide a minimum of documents and spend quite a bit of time. Simplifies such an operation and the system of individual offers in Sberbank. Even before the owner of the salary card has expressed a desire to borrow money, bank specialists develop personal lending conditions for him. After performing such an operation, a notification is received, usually via SMS, often emails are received. If there was no notification, this does not mean that there is no individual offer. To find out this question, just go to the nearest branch of Sberbank and contact any operator. There is an even simpler way - you can get the necessary information using a regular ATM or terminal.
To get a loan, you must:
- Apply. This can be done in many ways - online or by visiting any branch of the bank. The first option is simpler, faster, but in the second case, you can get expert advice and consider several proposals from Sberbank representatives.
- Provide a passport with a registration mark (temporary, permanent).
- Read the loan agreement and then sign it.
- Get money. They can be transferred to an existing or newly issued card, issued in cash. If we are talking about refinancing, then the borrowed funds are immediately transferred to the previous creditor for repayment.
It should be noted that Sberbank loans to individuals and payroll card holders can be issued without visiting a bank branch at all. In addition, it is possible to get the necessary loan anywhere in the country, that is, regardless of the place of registration.