Sberbank online consumer loan interest rate. How to get a loan at Sberbank: features of lending for individuals and an overview of programs, interest

Action to reduce loan rates at Sberbank in 2019

This spring, Sberbank launched a campaign on "Unsecured Consumer Loan", lowering the minimum rate for a number of ranges of loan amounts. The promotion applies to loans from 300,000 rubles and is valid for all categories of customers.

The maximum reduction compared to the baseline was 1%. The new minimum rate for the promotion is 11.9% (previously - 12.9%). Interest rates on loans up to 300 thousand rubles remained in the same range - from 13.9 to 19.9%.

Apply for consumer credit with a reduced interest rate without collateral is available at the bank branch, in the web version of the Internet Bank and mobile application"Sberbank Online" until April 29, 2019 inclusive.

In addition, the bank returned the possibility of obtaining loans with guarantors. They are available to young people from 18 years old and pensioners up to 80 years old. They are also subject to a rate reduction promotion valid until April 29.

However, similar conditions are offered by other banks and customers can apply to other credit organizations.

Correspondents of the Business Information Agency TOP-RF.ru ​​counted at least a dozen banks that issue consumer loans at a low interest rate, and with a high probability of approval of the application. You can see their list with basic lending conditions and the possibility of submitting an online application.

In addition, there are other MFIs that are also ready to lend money with pleasure, however, a smaller amount and at a higher price. high interest(you can apply for a loan).

But if you are determined to apply specifically to the Security Council of the Russian Federation, then TOP-RF.ru ​​correspondents will talk about this moment terms of lending, as well as explain how to get a low interest rate on a loan from Sberbank under today's circumstances.

Lending conditions at Sberbank today

spring Sberbank's rate cut promotion is valid until April 29 and applies to unsecured and guaranteed loans. Let's start with the first one.

1.Action on a Sberbank loan without collateral

General terms unsecured loans today are as follows:

Interest rates on loans in Sberbank without guarantors

Sberbank loan interest rates for individuals without collateral today depend on the amount and term. In addition, some preferences have payroll clients and pensioners who receive payments to the card of the Security Council of the Russian Federation.

Basic conditions

2.Action on a loan in Sberbank with a guarantor

We note right away that the peculiarity of this consumer loan is that it can be obtained by young people aged 18 to 21 years old and pensioners from 60 to 80 years old (at the time of full settlement with the bank). And the guarantor must be over 21 years old and under 70 years old. The general conditions for loans with a guarantor today are as follows:

Interest rates on loans in Sberbank with a guarantor

Sberbank loan interest rates for individuals under surety today also depend on the amount and term. In addition, some benefits are available to payroll clients and pensioners who receive payments to the card of the Security Council of the Russian Federation.

Special conditions if you receive a salary or pension to an account with Sberbank

Basic conditions

Compare:

Loans under favorable interest at Post Bank >>

Interest on loans for individuals in Alfa-Bank >>

How to get a low interest on a loan at Sberbank today

As you can see, not everyone can get the minimum rate on a Sberbank loan of 11.9% per annum now. But only those who:

1. receives a salary or pension on a Sberbank card.

2. will issue a consumer loan in the amount of 1 million rubles.

3. will issue a consumer loan in the amount of 300,000 to 1 million rubles. But in this case, as we can see, the rate ranges from 11.9% to 16.9%. The chance of getting the minimum 11.9% is not great. The rate is determined for each client individually. And its size depends on a variety of criteria: the borrower's credit history, his income, place of work, etc.

BY THE WAY!

If you cannot get the minimum loan rate without collateral, then pay attention to another Sberbank loan program: Non-purpose loan secured by real estate. The percentage there may be lower.

Calculation of a Sberbank loan at a low interest rate

Now let's calculate how much money the bank will have to pay monthly if you take a loan at today's minimum base rate of 12.9% per annum. Suppose you have approved 1 million rubles. The amount of the monthly payment will depend on the term of the loan and will be as follows.

Term	Monthly payment
	RUB 89,270
	RUB 26,778
	RUB 22,702

The amounts, as we see, are not small. Therefore, before taking out a loan for a large amount, weigh the pros and cons a hundred times. Try to realistically assess your financial capabilities. And if you have even the slightest doubt that you can repay the loan on time, then it’s better not to take it!

Learn more about consumer loans at Sovcombank →

Credit online calculator of Sberbank of Russia - 2019

How to get a Sberbank loan at a low interest rate

The methods of registration today depend on what kind of loan you take - with or without a guarantor. Consumer loan without collateral can be done in several ways:

In the office. To do this, you need to contact the branch of Sberbank at the place of registration. Only salaried clients are eligible. Individuals who receive a salary / pension to an account with Sberbank are provided with loans at a bank division, regardless of their place of registration in the territory of the Russian Federation.

And here loan secured by individuals can only be issued at a branch of Sberbank.

The term for consideration of a loan application can be from several hours to several days, depending on the category of the client.

Those who receive a salary to an account with Sberbank will receive an answer within 2 hours from the day the full package of documents is submitted to the bank. In other cases, the term for consideration of a loan application may be 2 business days.

If your application is approved, then you will receive the money at a time in a non-cash form. They will be transferred to your debit card account.

Who can take Sberbank loans

To receive a consumer loan at Sberbank without guarantors Individuals who meet the bank's requirements for borrowers can apply. They are the following:

1. Age at the time of the loan:

• - at least 18 years old if you receive a salary or pension to an account with Sberbank
• - at least 21 years old - for other borrowers

2. Age at the time of loan repayment under the agreement:

• - no more than 70 years

3. Work experience:

• - at least 3 months at the current place of work - for clients receiving a salary or pension to an account with Sberbank. For working pensioners receiving a pension to an account with Sberbank, the total length of service for the last 5 years must be at least 6 months.
• - at least 6 months at the current place of work with a total work experience of at least 1 year over the past 5 years - for clients who do not receive salaries to an account with Sberbank.

consumer loan under surety individuals can be obtained by young people aged 18 to 21 years and pensioners from 60 to 80 years (as of the loan repayment date). And the guarantor must be over 21 years old and under 70 years old. The seniority requirements for this loan program are the same.

Documents for a loan from Sberbank

Before applying to the bank for money, both the borrower and the guarantor (if any) need to collect a whole package of certificates and documents. Requires proof of identity, financial solvency and employment. For most clients, the list of documents may be as follows:

• 1. Passport of the Russian Federation with a registration mark;
• 2. A copy of the work book;
• 3. Certificate 2-NDFL for the last 6 months or a certificate in the form of a bank.

If for some reason you cannot provide these particular documents, for example, you have a work book or 2-NDFL certificate, then they can be replaced by others. We have a whole article devoted to documents for obtaining a Sberbank loan for individuals. You can familiarize yourself with it.

It should be noted that when confirming the financial solvency, the bank can take into account income not only from the main place of work. Money received from part-time work, as well as pensions and a number of other payments, are also suitable.

Interest on loans changes not only Sberbank

In 2019, not only Sberbank updated interest rates on loans - this is a general trend in the market. Raise interest rates on loans and other banks.

Recall that the lowest interest on the loan, as a rule, can be received by the bank's salary customers, as well as those who provide any property as collateral.

Contacts for information and consultations

Learn more about interest rates and terms of consumer loans as part of the promotion on Sberbank loans on the official website www.sberbank.ru or at the Bank's branches.

If you need to get additional funds and choosing a credit institution, you should consider the proposals of Sberbank. The Sberbank loan for individuals in 2019 remained practically unchanged in terms of conditions compared to previous years.

Considering loans to individuals at the bank, the interest rates of 2019 are very loyal. Of course, you can find lower ones among the offers of other banks, but Sberbank systematically offers non-target loans with unique, reduced rates (for example, 15.9%). Promotions are valid for several months, after which they are extended or replaced by another offer. Therefore, if there is a desire to take advantage of a low rate, it is worth tracking such promotions.

Today, customers are offered several types of loans that differ in purpose:

• ordinary, non-target;
• using the support of guarantors;
• with a deposit;
• for the military;
• for education;
• for housing;
• refinancing.

Each option has a number of features, different requirements for borrowers and for a package of documents for applying for a loan at Sberbank. They differ in amount and rates.

Conditions and requirements for lending at Sberbank

All bank loans to individuals in 2019 are endowed with general requirements for borrowers:

• Age: 21-65 years old. When using collateral, which can be guarantors or real estate for collateral, the range changes: 18-75 years.
• Employment. The borrower must have permanent place work on which it is issued for longer than 6 months.
• Loyalty. It is determined based on the analysis of the last five years. During this period, the client must have a total experience of more than a year.
• Financial condition. The income level is not limited, but on its basis the loan amount is calculated.

When submitting an application, the client has the right to set the amount that he needs. The decision will be made by the bank, taking into account its other characteristics: income, loan term, availability of collateral, age, etc. You can assign an amount in the amount of 15 - 1500 thousand rubles. The maximum repayment period is up to 5 years.

Interest rates in 2019

Sberbank for loans to individuals, interest rates are calculated according to the criteria of the client. They mainly depend on the following main parameters:

• Term. Reduced rates apply for shorter periods.
• Bank client. A discount is assigned to a borrower who has a deposit or receives accruals through a bank (pension or salary).

So, under other similar conditions, the borrower will receive a rate of 22-26.5% if he chooses a period of up to 2 years, and with a longer period it will be 23-27.5%. For a Sberbank client, the values ​​will be in the ranges of 17.5-22% and 18.5-23%, respectively.

To get more detailed information and specific offers can be used on the Sberbank website loan calculator for individuals. It is enough to enter your characteristics and wishes regarding the amount and term of the loan, and the client will receive detailed information about the amounts of payments, total amount overpayments due to interest and details of monthly payments. By changing the parameters, you can achieve the most suitable conditions. This should be done before contacting the branch in order to understand what conditions will be offered.

The procedure for applying for a loan by an individual

The registration process includes several key stages: filing an application, collecting and transferring documents, reviewing, transferring money. The application must be submitted at the place of registration. It is allowed to apply to any office only for payroll clients. It is better to immediately prepare the necessary papers to speed up the review process.

Documents for registration

Sberbank loans to individuals, the interest rates for which are discussed above, are issued if the following documents are available:

• passport;
• registration (temporary is also acceptable, but under such conditions for a period beyond its validity is impossible);
• work book, certificate from the employer, characterizing the length of service;
• certificate 2-NDFL or in another form (on bank letterhead) describing the level of income;
• passports, certificates of work from guarantors (if their help is used);
• documents for real estate indicating the client as the owner (if it is used as collateral).

Payroll card holders

Salary clients and depositors have advantages in this case as well. They can apply with only a passport. In some cases, other papers may not be required if they are not used certain forms security.

The bank is obliged to give an answer in two days. If the situation requires more detailed consideration, the period may be delayed. And payroll clients often receive an answer immediately on the spot.

Sberbank issues loans to individuals once a year full size which is approved. They are transferred to the special account of the borrower within 30 days after agreement.

Loan repayment procedure

He can withdraw, transfer and spend money at his discretion. Repayment occurs according to the following rules:

• The entire amount of debt, including interest, is divided over the entire period. Payment is made in the same amount once a month.
• In case of delay in payment, a fine begins to apply - a penalty of 20% per annum for each day (they apply to the amount of delay).
• It is possible to pay the debt early. Commission and no penalty.

Online loan application

A bank client can send an application for a loan at a favorable interest rate through an online bank. This will allow him to save time on visiting the department. Having gained access to, you need to go to the "Credits" section. Here you will be prompted to "Get a loan".

• Type: consumer, target, etc. The choice comes from the list.
• Name: ordinary, secured, secured.
• Term.
• Currency.
• Sum.

Already when choosing the criteria, the client will see the main terms of the loan. This option of treatment implies the need to visit the branch twice: to transfer papers and to conclude an agreement. To minimize the personal appeal, you can choose the option "Extended application". In this case, you must additionally enter personal data and the amount of income. After consideration, the employee will contact the applicant and notify about further actions.

A consumer loan from Sberbank is provided on the security of real estate, on the guarantee of individuals, or without collateral.

On the bank's website, the application (application-questionnaire) is available for download, but it is not possible to send it to the bank online: the client must take the printed and completed questionnaire to the office of the credit institution. At the same time, users of "" an application for options without collateral can be submitted without an additional visit to the bank branch. Customers will find the corresponding function in the corresponding section of the Internet application system.

Sberbank places the calculator on its own website in open access. Nevertheless, it is impossible to calculate the exact payment schedule and the amount of the overpayment in advance: individual conditions apply for each borrower, the rate is set based on the results of an assessment of its solvency.

Can be taken by those responsible basic requirements by age and minimum length of service. At the same time, payroll clients, as well as working pensioners receiving pensions to an account opened with the Security Council of the Russian Federation, are provided with a loan at reduced rates.

In order to receive money in cash, in addition to a questionnaire and a passport, a potential borrower must provide documents confirming his financial condition and employment.

The products of this financial company in 2019 continue to be popular with both payroll clients and new borrowers due to market rates, the absence of commissions and loyal requirements for borrowers.

The most profitable offers for the consumer this month:

"New Year"

Documents: passport of the Russian Federation, application form, employment history, income documents, certificate of temporary registration

Requirements: age from 21 to 70 years, work experience last place work from 6 months, permanent/temporary registration in the region of provision.

Security: not required

Amount: 30 thousand - 5 million rubles

Term: 3-84 months

Annual rate: 11.9-19.9% ​​(depending on the term and amount)

Calculation example: with an amount of 100 thousand rubles for a period of 5 years at a rate of 14.9% per annum, the borrower's monthly payment will be 2,374 rubles, and the total overpayment for the entire period will be 42,311 rubles. The above calculation is approximate, the exact values ​​will depend on the specific date of the loan.

Penalties: for violation of obligations, sanctions are provided in the amount of 20% per annum of the amount of the overdue payment

"Consumer secured by real estate"

Documents: RF passport, application form, employment record, income documents, pledge documents, certificate of temporary registration

Requirements: age from 21 to 75 years, experience at the last place of work from 6 months, permanent / temporary registration in the region of provision

Collateral: pledge of real estate (required, property insurance is required), guarantee of individuals (at the request of the bank)

Amount: 500 thousand - 10 million rubles

Term: 3 - 240 months

Annual rate: 13.5%(fixed)

Calculation example: with an amount of 700 thousand rubles for a period of 18 months at a rate of 13.5% per annum, the borrower's monthly payment will be 43,177 rubles, and the total overpayment for the entire period will be 76,737 rubles. The above calculation is approximate, the exact values ​​will depend on the specific date of the loan.

Penalties: for violation of obligations, sanctions are provided in the amount of key rate Bank of Russia, effective on the date of conclusion of the contract

"Refinancing"

Documents: RF passport, application form, work book, income documents, certificate of temporary registration, documents for refinanced

Requirements: age from 21 to 65 years, experience at the last place of work from 6 months, total work experience of at least 1 year, permanent/temporary registration in the region of provision.

Security: not required

Amount: 30 thousand - 3 million rubles

Term: 3-84 months

Annual rate: 11.9-13.9% (depending on the term and amount)

Calculation example: with an amount of 300 thousand rubles for a period of 12 months at a rate of 12.9% per annum, the borrower's monthly payment will be 26,781 rubles, and the total overpayment for the entire period will be 21,204 rubles. The above calculation is approximate, the exact values ​​will depend on the specific date of the loan.

Loans have already become part of our financial life. Almost every able-bodied citizen has already taken loans for necessary needs. Of course, there are still those citizens who are categorically against it. After all, after receiving a loan, anything can happen in your life and no one knows whether he will be able to pay off the loans.

But credit is not only negative sides but also positive. With a loan, you facilitate your current financial situation and allocate payment Money for the required number of months. Also, a loan will help you out in unforeseen cases, when you urgently need to find a large amount of money.

Now there are many different credit organizations and banks that provide cash loans almost on parole. But here is the hidden gem, because they give loans at inflated interest rates that can reach from 35% to 250%! You will be surprised, but it is. It will be quite difficult to pay off such a loan.

But do not despair, because there are organizations that give loans at the lowest possible interest rates. One of these organizations is Sberbank of Russia.

Sberbank is the largest bank in our country, and in terms of reliability it is probably in the first place. The purpose of this bank is to help the client increase and save money, as well as financial assistance if necessary.

let's consider loan offers offered by this bank.

Credit history in banks

How to know your credit history to be sure of issuing a new loan?

Due to the difficult financial situation in our country, and with sharp ups and downs in exchange rates, interest rates on loans are adjusted very often. For more up-to-date and up-to-date information, please contact the bank's specialists. You can also contact, who is ready to advise you around the clock and help in solving problems.

Sberbank of Russia is the largest Russian bank with an extensive network of divisions and offices offering a wide range of credit products for individuals and pensioners. The Sberbank loan calculator will allow you to online mode Calculate the exact date and amount to be repaid, taking into account the data provided.

What loans does Sberbank issue?

The main specialization of the bank is consumer loans for any purpose. They are issued both without collateral and under the guarantee of individuals or mortgage of real estate. Separate conditions await military personnel and participants in the NIS, as well as farmers with personal farms.

For young and active people a special educational loan with state support has been developed. Sberbank also offers loans to pay off debts in other banks (refinancing) and more than 6 types of mortgage loans.

Calculate any of these loans, find out the planned monthly payment will help Sberbank loan calculator. It is enough for a potential borrower to indicate the required amount, rate, type of payment, date and term, and the monthly payment will be calculated by itself. Of course, you can calculate the payment yourself, but this takes at least 15-30 minutes, and when we are talking about hundreds of thousands of rubles, the difference in calculations can be huge. In such cases, it is simply impossible to do without loan calculator Sberbank.

Sberbank loan calculator

Sberbank loans

Sberbank has prepared various products for its clients. For example, any citizen of the Russian Federation aged 21 to 65 can apply for a non-targeted consumer loan without security using one passport. Wherein interest rate for the use of borrowed funds will not exceed 23.5% per annum for payroll clients or pensioners, and 29.5% for all others, and the maximum amount is 1.5 million rubles.

Highly interesting conditions the bank offers educational loans with deferred repayment for the entire period of study and 3 additional months. At the same time, insurance or collateral for the loan is not required, and the interest rate is determined in the region of 7.06% and directly depends on the Central Bank refinancing rate at the rate of (1/4 refinancing rate + 5 percentage points).

Credit	Max. sum	Min. Bid	Max. term	Payment type	Calculation
Consumer without security	1500000 rub	16,9%	60 months	Annuity
Consumer on behalf	3000000 rub	13,9%	60 months	Annuity
non-targeted pod pledge of real estate	10000000 rub	14%	240 months	Annuity
Loan for military personnel and NIS participants	500000 rub	15,5%	60 months	Annuity
Consumer on refinancing	1000000 rub	14,9%	60 months	Annuity

Sberbank of Russia consumer loan calculator will help you calculate the monthly payment for any of the presented types of loans.

Mortgage and mortgage calculator of Sberbank

Sberbank of Russia offers its clients more than 6 types of mortgage products designed specifically for different categories population, including for military and young families.

Name mortgages/ options	Min amount	Max amount	Rate in per annum	Min term	Max term	Initial contribution
Mortgage with state support	45 000 rub	8 million for Moscow and St. Petersburg 3 million for regions	From 11.9% up to 12.9%	1 year	30 years	From 15% from the cost
Acquisition finished housing	300 thousand rubles	No more than 80% of the price	From 13.5% to 14.5%	1 year	30 years	From 20% of the cost
Acquisition housing under construction with the provision	300 thousand rubles	No more than 80% of the price	From 13.5% to 14.5% + surcharges up to 2.5%	1 year	30 years	From 20% of the cost
Military mortgage	Not	No more than 80% of the price	12,5%	1 year	15 years	Not

For mortgage programs with the purchase of finished or under construction housing, repayment is available with the help of financial capital.

The main package of documents that will be required to apply for a mortgage of Sberbank of Russia:

• Passport of a citizen of the Russian Federation with a residence permit
• Any second document (passport, TIN, SNILS, etc.)
• Documents to confirm employment and financial position(certificate of 2NDFL for the last 6 months, a copy of the work book)
• Direct application with personal data

If a mortgage provides for a pledge, then a prerequisite is the provision of documents on the pledged property (original certificate of ownership; original contract of sale, exchange, donation, etc.; extract from the USRR; cadastral passport with detailed plan etc.)

If the bank makes a positive decision on the client's application for a mortgage product, then within 2 months you need to provide an additional package of documents:

1. Full set of documents for the loaned premises
2. Payment order for payment of the down payment

To get a mortgage under the programs "Young Family" and " Maternal capital» An additional package of documents is required.

Ways to repay a consumer loan in Sberbank of Russia

The bank offers its customers to repay the loan in several ways to choose from:

• By making a payment through the cashier
• At an ATM or PVN of the bank from your card
• Through Personal Area Internet bank "Sberbank-Online". To do this, the borrower must have a debit or credit card. For convenience, you can activate the "Autopayment" service and the money will be debited from the next installment on the loan automatically on the specified date
• Automatic debiting of funds from the card account of Sberbank after issuing a written instruction for debiting funds by the bank. A similar agreement can be drawn up for debiting funds from a deposit account.

Penalties for late monthly payments

As penalties for late payment of a loan, Sberbank applies a penalty to borrowers in the amount of 20% per year of the amount of the planned payment for the entire delay period from the date following the date of the next payment to the date of the actual payment.