Sberbank is the most demanded domestic bank, so it has a large number of potential customers. But not everyone can get a loan. The bank identifies the most reliable and solvent customers. As a result of the check, the procedure for applying for a loan may be delayed for some time. How many days Sberbank considers a loan application can be found in this article.
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Credit programs at Sberbank - general conditions
If desired, and if there are opportunities, Russians can receive up to 3 million rubles from Sberbank, while collateral and guarantors are not required. But, if it is possible to attract a guarantor, then the borrower has the right to count on a larger amount (up to 5 million rubles). Pledge of property further expands the threshold of opportunity and Sberbank is ready to provide up to 10 million rubles.
How many days to consider a loan application
The bank's response to the submitted application for a loan will be provided within 2 days. But the speed of issuing a loan depends on many factors and can take up to 2 weeks.
But you need to understand that Sberbank is also trying not to stretch the issuance of borrowed funds. The question of how many days Sberbank considers an application for a loan depends only on the potential borrower, more precisely, on what package of documents he will provide and whether there is a need to perform any additional checks. For example, requests may be made to the credit bureau, the Pension Fund. Other operations are often performed - in Sberbank, the check is done carefully, in order to avoid risks for the bank and its depositors.
Factors that may adversely affect the bank's decision
When filling out the application, you should indicate as accurately as possible information about yourself and your income. Any blot can cause a close examination of documents by the security service and in many cases the bank will refuse, since most unintentional errors are treated as an attempt to deceive.
It is more practical to become a payroll client of Sberbank (this is not difficult), because. this category of citizens is the most “privileged” and credit funds are issued faster than in all other cases.
Often, payroll card holders receive a loan in just 2 hours. At the same time, there is no need to submit documents confirming employment and solvency. You can even come to a bank branch by filling out an application online.
Nevertheless, it is impossible to specify exactly how many days Sberbank considers a loan application in a particular case, since the bank has the right to extend the terms without any explanation of the reasons, as indicated on the Sberbank website.
Required documents for the application
The more documents a potential client provides, the better, because the interest rate will be an order of magnitude lower, which often speeds up the process of applying for a loan.
Minimum documents to be submitted:
- Passport, and the registration mark must be present.
- Help 2-NDFL. This is a well-known income statement.
- Certificate confirming the required amount of work experience (from six months at the current job, from a year for the last 5 years).
What to do after consideration and receipt of a positive response
Employees of Sberbank will notify about a positive decision on issuing a loan using SMS or a call. During the conversation, all the information about what to do will be provided. But in most cases, there is only one algorithm - the borrower should prepare the required documents, then go to the nearest branch where the loan application was submitted in order to sign a loan agreement and receive funds.