Sberbank traditionally has a wide range of consumer loans, and the most profitable of them are intended for payroll card holders. About consumer credit for holders of salary cards in Sberbank is described in this article.
Content
Types of loan programs at Sberbank
Today, Sberbank has the following programs that provide benefits for payroll card holders:
A consumer loan can be obtained without collateral, guarantors. The maximum amount is up to 3 million rubles. The duration of lending is up to 5 years, the minimum period for which a loan will be given at Sberbank is 3 months. The minimum rate is from 11.5%. A potential client should be aware that the most favorable rate can only be when the amount is small, and there are no claims against the borrower.
A loan secured by individuals requires the presence of guarantors, but at the same time, the loan amount is an order of magnitude larger than in the first case - up to 5 million are issued. And the rate will be from 12.5%. Loan duration up to 5 years.
on the security of real estate for a long period of up to 20 years. The interest rate in this case is the lowest - from 12%.
Benefits of obtaining a consumer loan for payroll clients
A consumer loan for payroll card holders at Sberbank provides the most convenient and favorable lending conditions. Evidence of income are income accounts on the salary card. An important feature is the ease of registration, you can get borrowed money in just 2 hours, and not in 2 weeks.
Many came across individual loan offers in SMS from a bank, where the conditions . Often emails arrive. Also, such an offer can be seen on the screen of any ATM if a salary card is used. You don't even have to resort to using a loan calculator posted on the lender's website.
If SMS with a personal offer did not come, this does not mean that it does not exist. It is enough to go to any branch and find out the necessary information. Even if there really is no offer, then in any branch, within a few minutes, the Sberbank operator will be able to create it.
In addition, a payroll client has the right to receive money at any branch, regardless of the place of registration. Which is convenient when you need money urgently.
Conditions for granting a loan at Sberbank
Sberbank is ready to provide borrowed money to all payroll clients that meet the following conditions:
- The minimum age of the cardholder must be 18 years of age. At this age, you can get a loan only with a guarantor. A loan without a guarantor will be issued to a client who has reached the age of 21. The maximum age of the cardholder is 75 years, but if a citizen wants to receive borrowed funds without a guarantor, then no more than 65 years. Please note that the loan must be repaid before the specified maximum age.
- Be a Russian citizen.
- Have a temporary or permanent registration.
Registration procedure
For privileged clients, Sberbank made the procedure for obtaining the necessary loan as simple as possible.
To receive a loan, you must do the following:
- Apply. This can be done in different ways - compose and send it online ( using a special form in Sberbank Online for this). Or come to the branch on your own. As mentioned above, this can be any representative office of Sberbank located in Russia.
- Wait for a positive decision , which can be made in 2 hours, but in difficult situations, it takes a little more time to agree.
- After a call from a bank representative, come to the nearest branch , where to sign a loan agreement and receive funds. It can be cash or non-cash.
Documents for obtaining a loan
A consumer loan for payroll card holders at Sberbank is especially simple, since Sberbank has information about solvency and employment. It is enough to provide bank employees with a Russian passport, where there is a mark confirming the presence of registration. To get the most favorable interest rate, you can bring other documents indicating the presence of any additional income.