When planning to apply to Sberbank for a loan, it is worth considering in detail what types of loans are and under what conditions you can get a loan. A number of requirements have been developed that must be met. Knowing how many years a loan has been issued at Sberbank, and also having a minimum experience, it will not be difficult to collect the necessary package of documents.
Basic requirements for a borrower in Sberbank
All types of loans that can be obtained from Sberbank are divided into 2 categories. For example, you can get a loan in the amount of up to 3 million rubles if there is no guarantor. If third parties can support, the bank can issue a loan in the amount of up to 5 million rubles. Loan programs at Sberbank also differ in terms of interest rates:
For all clients there are mandatory conditions, without which the bank will refuse to issue a loan. First of all, you should present your passport and residence permit. As for age restrictions, the presence of a guarantor matters here:
If there is a guarantor, then a loan can be issued from the age of 18, otherwise - from the age of 21. The age limit also depends on the presence of third parties: if there is a guarantee, a loan can be taken up to 75 years, and if not, up to 65.
In addition, there are a number of other requirements for the borrower:
- the presence of a permanent place of work;
- work experience in the same place - more than six months;
- the total experience for the last 5 years must be at least 2 years;
- when receiving a salary on a Sberbank card, you should work at your last job for at least 3 months.
What documents are required for issuing a loan
In addition to ordinary loans at Sberbank, you can get a loan secured by collateral. As a rule, such property is real estate. There are also mortgage lending programs in which the purchased housing is considered as collateral. If you want to apply for a secured loan, you must also be at least 21 years old. The rest of the conditions are the same as above.
The list of required documents that are required to obtain a loan from Sberbank includes:
- work book and a certificate from the enterprise confirming the length of service;
- an extract from the accounting department, which reflects monthly income;
- passport with a residence permit. If the loan is issued against collateral, it is necessary to collect documents confirming the ownership of real estate. When applying for a loan, all certificates and documents that are sent for consideration and approval by the bank should be attached. As a rule, approval takes up to 2 business days (maximum time is a week).
Having decided how many years a loan has been issued at Sberbank and what documents are needed to process each of them, it is important to deal with the condition of repayment of the loan. In particular, this applies to repayment terms. They can be installed independently (maximum 5 years, and for a mortgage - 30 years).
The procedure for repaying a loan at Sberbank
There are several options for returning credit funds, one of which you can choose yourself:
- Annuity method, the essence of which is that the entire amount of debt, together with interest, is divided over the entire credit period. In this case, the same interest is paid to the bank every month.
- A differentiated method, which implies that only the loan amount is divided into periods, and interest on it is charged on the debt that remains at a certain point. Thus, it is necessary to pay every time less and less amount.
Sometimes the bank makes it possible to repay the loan ahead of schedule. If payments are made late, the bank determines the amount of the fine and issues it to the borrower. With malicious non-payers, the bank understands in court.