2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Often the only way to resolve financial misunderstandings are Sberbank loans to individuals. Tempting with this lender are not only the ubiquity of the branch network and the walking distance of branches, but also the terms of borrowing. How can consumer loans be attracted at Sberbank and what are they like?
What are good cash loans from Sberbank?
Sberbank non-targeted loans to individuals are quite an attractive offer. Especially when you consider that this financial giant is not trying to hide anything and take more than the specified rates. The rates here are minimal, and there are no additional commissions.
In addition, private clients have access to large amounts for personal purposes with the obligation to repay over a long period. There are different levels of return guarantees:Sberbank of Russia issues loans to individuals without collateral at all, and with the need to attract guarantors or arrange liquid property as collateral. The cost of borrowed funds here depends on these criteria.
The degree of familiarity of the borrower with the bank also influences the benefit from a deal to finance one's needs. Sberbank is most generous to those who receive salaries and pensions there, work in accredited organizations and large corporations, have deposits or have previously used loans. Discounts from the base rate can reach 1-2 percentage points, which Sberbank provides "for its own". Loans to individuals, for which there is always a promotion, can be even cheaper due to seasonal rate cuts.
What kind of cash loans does Sberbank issue to individuals?
Loan programs of the most important bank in the country can be divided into three large groups according to the type of collateral requested:
- Sberbank loans to individuals without any security. Even insurance is not required, but you only need to document your stable financial position and employment. The amount is up to one and a half million rubles. The term for the return of the requested funds can be extended for 5 years. The rate will vary within 17-21.5% per annum.
- Loan with a guarantee. Any solvent relative or acquaintance can act as a guarantor. The presence of a second actor increasesthe maximum loan amount is up to 3 million rubles, and the term will remain the same - up to five years. Interest can reach 16.5-20.5% per annum.
- 5% per annum.
However, until mid-February, you can get borrowed funds without collateral or under surety at the same rate as with collateral - from 14.5% per annum. Applications for this promotion are considered on an individual basis, so until you apply, you will not know your chances of a profitable loan.
Sberbank loans to individuals differ in a variety of conditions. And this is their main advantage: everyone can find borrowed funds with suitable parameters. Any potential borrower has the opportunity to implement their plans with the help of this bank, if, of course, it meets its requirements. But the captiousness and bureaucratization of Sberbank is another story.
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