2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Today, due to low rates, in comparison with other loans, social consumer loans in Sberbank are the most popular.
Disadvantages of getting loans from Sberbank
However, along with the advantages of such programs, there are also disadvantages of taking a loan from Sberbank. The most significant of them can be considered a long decision-making time and a huge number of certificates that confirm the borrower's income. Almost all loan programs of this banking institution require guarantors. That is, obtaining a consumer loan without a person who can vouch for you and, in case of your insolvency, pay the loan is impossible! Even the so-called social consumer loans without collateral exist only on paper. Typically, the amount of loans ranges from 15-16 thousand rubles to 40-45 thousand rubles. If there is one guarantor, the amount increases from 45 thousand rubles to 300 thousand rubles, and if there are two guarantors, you can count on the amount from 300 thousand to 750 thousand rubles.
What is meant by collateral
Guarantee of individuals who have a stable and officially confirmed income, or a guarantee of legal entities. Pledge in the form of real estate, car, bullion and securities.
In addition, Sberbank does not issue consumer loans without certificates, leaving this hopeless enterprise, from the point of view of banking management, to the share of commercial banks.
How to get a loan
As everyone knows, social consumer loans require certain documents of the borrower. In the case of Sberbank, the package of documents is traditionally standard, however, it can be expanded (which happens very often) if a bank employee suspects your solvency. Passport and TIN, application, questionnaire - these are the minimum documents, may be required.
Certificate for working citizens in the form of personal income tax2, for pensioners - a certificate of the amount of pension they receive, for entrepreneurs - a package of documents confirming solvency is very wide (accounting report for the specified period, statements from the tax, lists of accounts payable and receivable debts, PBOYuL certificate and others). You also need to consider that all the same documents and certificates must be provided to guarantors. If there is a subject pledge, then you also need to bring certificates confirming your right to own it. For real estate - this is the owner's passport and the purchase agreement, forvehicles – registration certificate, etc.
The minimum loan amount for consumer needs is 40-45 thousand rubles for Muscovites and 15 thousand rubles for residents of other regions. It should also be noted that if you need an amount less than the minimum, then there is no need to contact Sberbank. A loan in the amount of, for example, 30 thousand for Muscovites and 11 thousand for other citizens will not be issued to you. In this case, it is easier to contact another bank.
Despite the disadvantages of Sberbank, we can conclude that social consumer loans with lower rates are hard to find!
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