Sberbank is the main financial institution in Russia providing services to the population. All Sberbank loans to individuals in 2019 are provided on standard terms and conditions within the framework of general banking legislation. There are many loan programs available. In this article, the main ones.
Content
Sberbank loan programs for individuals in 2019
Loans to individuals and legal entities are given on various terms. Consider loans to individuals: rate, repayment periods, grace periods. Regular customers of Sberbank can use various promotions.
For targeted loans, even for individuals, the rate is lower. For non-target - higher. This is due to the laws of the market. This happens because Sberbank has an agreement with the company in which the credit funds of the target loan will be invested, for example, a car manufacturer or a developer. This explains the lower rates on mortgages and car programs.
The first step in obtaining a loan is to apply. Sberbank does not give loans for a period longer than 5 years. This is convenient both for the bank (less risks) and for customers (there will be no long-term loans).
Interest rates in 2019 - conditions for change
The interest rate on loans for individuals is formed on the basis of data from two sources. On the one hand, this is banking legislation, mainly the key rate of the Central Bank and the norms of banking regulation. On the other hand, the client himself, to whom the loan is issued. Contrary to popular belief, the rate is never constant. It is constantly changing both up and down. At the same time, Sberbank is the most stable in comparison with other representatives of the banking sector in Russia. At any time, you can get the most up-to-date information on rates on the official website of Sberbank .
Personal loan conditions for each client
Sberbank loans to individuals in 2019 have dozens of offers. For each of them, there are several more options for the conditions and terms of lending. There are discounts for pensioners. The most convenient option can be found using the calculator on the site. It should enter data on the desired amount, repayment period and other variables. The calculator will immediately give the existing options. The second option is to contact the bank branch directly and study the loan offers there.
Upon the expiration of the term for consideration of the loan application , the bank's response will come with the proposed individual conditions.
The procedure for applying for a loan by an individual
Registration takes place in several stages. The first stage is the submission of an application. At the next stages, a fairly large package of documents is collected, which is necessary for the bank to confirm solvency. The better this criterion, the lower the interest rate. In comparison, one can contrast the examples of numerous microfinance institutions that do not conduct solvency assessments and give money at very high interest rates due to the high risk of default.
Documents required for registration
A list of documents is provided to confirm the identity and assess solvency.
Main documents:
- passport;
- documents on registration by place of residence, registration;
- work book, various certificates from employers to assess the length of service;
- certificate 2-NDFL (certificate of income of individuals);
- certificates of ownership of various collateral. When selecting documents, you need to take into account that they are needed to confirm solvency, identify an individual and confirm ownership of collateral.
Benefits for salary card
The solvency of payroll card holders is assessed faster and easier. Salary statistics are taken by last name and seniority. The bank evaluates the risks of dismissal from work and, based on this, approves or cancels the loan application. Many clients of Sberbank have a salary card. An application for a loan is considered within two banking days. It does not matter if it is submitted by the payroll card holder or not. If, during the consideration, circumstances were discovered that require more detailed consideration, the bank has the right to repeatedly extend this period. Loan funds are transferred to a special account in the name of the borrower. The term for receiving money is 30 days from the date of confirmation of the loan application by the bank. Detailed conditions for lending to payroll clients are on the bank's page .
Loan repayment
Repayment of the loan is carried out according to pre-approved rules, which are detailed in the contract. They are subject to change during restructuring. Sberbank loan agreements are very flexible. Therefore, almost always, there is no penalty for early repayment.
General payment rules:
- the entire amount of the debt is divided by the number of months and paid in equal installments monthly;
- early repayment is welcome, no penalties are imposed;
- in case of delay in the monthly installment, a fine (forfeit) is imposed. Size - 20% per annum (divided by 365 and is calculated for each day of delay).
Online loan application
Mobile and Internet banking from Sberbank also allow you to receive loans. The advantage of this method is the fastest processing. First of all, you should enter your Sberbank Online , observing all security rules. You need to use only a tested computer with an antivirus with up-to-date updated databases. The option to use SMS passwords greatly increases security. It is recommended not to disable it.
After gaining access to Sberbank Online, you need to go to the "Loans" section. Here you will be prompted to "Get a loan".
Followed by filling out the form:
- type: consumer, target, etc. The choice comes from a list;
- name: ordinary, secured, secured;
- term;
- currency;
- sum. When choosing criteria, it will be possible to see the main terms of the loan.
For targeted loans, the interest rate is lower if the purchase of goods for credit funds is carried out from a partner company of Sberbank. In other cases, the rates are approximately equal.
You can apply for a loan through online banking. An approximate time is assigned when you should visit the bank branch. It is impossible to open Sberbank loans to individuals in 2019 only online, for security reasons. You will have to visit the branch twice: to transfer documents and to conclude an agreement.
To minimize the personal appeal, you can choose the option "Extended application". After consideration, the employee will notify about further actions by phone.
New interest rate in 2019
Interest rates on loans have a constant downward trend. Sberbank loans to individuals in 2019 are lower than in 2016. The latest interest rate offers for the current year are on the bank's page .
To a lesser extent, the rate is influenced by the legal regulation of bank capital (the so-called "basel") and consumer demand for loans. There are also positive dynamics in all these sectors. The maximum term and amount of loans for individuals remain unchanged.