2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Today, residents of the post-Soviet space suffer from low pensions and wages. All this leads to the fact that most people prefer or are forced to take loans from banks. Of course, a loan helps to cope with most difficulties or allows you to simply buy the thing you like in a shorter time. However, having taken one loan, citizens often face the fact that they are not able to pay monthly installments, as stated in the contract.
In this case, many are wondering if it is possible to take two loans at once from Sberbank. The fact is that this bank is considered the most popular credit institution in Russia. This is not surprising, because it has indeed been on the market for many years and has gained a solid reputation during this time.
Is it possible to take several loans in one bank
Indeed, this practice exists, and it operates in almost all self-respecting credit institutions. If we talk about Sberbank, then this is quite a standard situation when a client takes out loans to buy household appliances, and at the same time draws up a mortgage.
Besides, mostof such organizations, when applying for more than two loans, the client automatically becomes a permanent partner of the bank. At the same time, you can get, for example, a loan for a year at Sberbank and a mortgage.
Can I get several consumer loans in one bank?
Sometimes it turns out that a person simply does not have the opportunity to repay the previous loan, in which case he is simply forced to take on a new debt. Of course, no one wants to change the bank for this or contact a dubious organization where the overpayment will be much higher.
Loans at Sberbank, conditions, interest rate and numerous programs allow you to receive several amounts of money at the same time. To do this, you need to contact the bank branch, draw up documents, after which the application will be considered and, most likely, the organization will make a positive decision.
First of all, the positive or negative moment may be affected by the fact that payments on the previous loan were regularly made. That is why you should not hold out until the last moment. If we talk about obtaining a loan from Sberbank, then it is worth paying all payments regularly. It is best to take out a second loan before the pen alties on the previous debt appeared.
In the process of considering the application, the bank usually pays attention to the amount of the client's income. A second loan can be obtained if the amount of loan payments per month does not exceed 20% of the citizen's salary. If the percentage is higher, the probability thatthat the borrower will receive the cash is slightly reduced. In addition, the bank necessarily pays attention to the credit history. If before that the client took loans from other organizations or from Sberbank itself, but did not make payments on time, then there is a huge risk that he will be denied receipt of funds. Therefore, when applying for a loan to individuals at Sberbank, it is recommended to hurry.
Can I get a loan from different organizations
Sometimes it turns out that the client's credit history is not "clean" and it states that the borrower was a persistent defaulter. In this case, re-obtaining a loan from Sberbank or any other organization becomes impossible.
Many believe that if in this case you turn to another credit company, then everything can start from scratch. In fact, this is not the case, since each bank has access to a common database of debtors.
Knowing how many loans can be taken from Sberbank, or rather, that funds can be obtained in any amount, it is worth considering the conditions of the bank. There are several.
Guaranteed loans
The minimum amount of a loan to individuals in Sberbank will depend on how many people act as guarantors of the payment of funds. If only one of his friends or relatives is ready to stand up for the borrower, then the loan amount will be from 45 to 300 thousand rubles. It does not matter in what currency the loan will be issued. If there are more than two guarantors, thenin this case, the borrower can expect to receive funds in the amount of 300 to 750 thousand rubles.
Urgency Loan
In this case, we are talking about a loan from Sberbank for a year or a shorter period of time. This is an ongoing program, according to which the borrower can receive up to 750 thousand rubles. In this case, there is no need to provide financial support. However, in some situations it may be required. This happens if the borrower's parameters (for example, salary level) do not meet the requirements of the credit institution.
Mixed Collateral Loans
There are several categories of this program. In this case, the varieties may differ depending on the specific situation. The amount, payment term and interest rate are determined on an individual basis. In this case, the financial capabilities of the applicant must be taken into account.
Speaking about how many loans you can take from Sberbank, it is worth considering the types of collateral, knowing which you can successfully receive large amounts of money:
- Guarantee from a citizen of the Russian Federation. In this case, the guarantor must provide information about his own source of income. In this case, the age of the voucher does not matter.
- Guarantee from the organization. In this case, you can invite your employer as a guarantor.
- Property as collateral. In this case, an apartment or other living space can act as an additionalsecurity.
- Houses under construction or apartments in buildings at the same stage.
- Car.
- Values. In this case, jewelry, securities, gold bars, etc. can act as collateral.
What documents are required to get a loan
Regardless of the category of loan and how many loans can be taken from Sberbank, potential clients must provide an internal Russian passport and the same documents of guarantors. You also need to prepare a completed application, as well as a certificate confirming the amount of income.
If a pensioner applies for a loan, then he also needs to provide a document that will contain information about the amount of his pension.
Disbursements
There are several ways to get money. The most popular is cash. In this case, you can get a loan only in Russian rubles.
If the client is already a cardholder, but he has a personal bank account, then the money can be transferred to him.
You should also pay attention to the possibility of issuing a credit card.
Lending Features
In addition to how many loans you can take from Sberbank, you should pay attention to the fact that if the borrower is a registered resident of Moscow, then he has the right to receive funds in the amount of at least 45 thousand rubles. For clients residing inother regions, the minimum amount is reduced to 15 thousand rubles.
The maximum loan amount depends on several factors. First of all, the types of obtaining a loan are considered. The largest sums of money are received from mortgage lending or starting their own business.
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