Reviews of Sberbank on loans: customer opinions

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Today, only about two percent of the country's population is satisfied with their own financial condition (and this is not a fact, because human appetites cannot be satisfied), while the rest of the people are looking for money in additional financial sources, and then write reviews about Sberbank on loans. Many (one might say, most) choose this particular credit institution, although there are many others. This is most likely because other financial institutions provide funds on even less favorable terms.

According to statistics, more than seventy percent of workers and pensioners elect the leader of the banking sector, the country's oldest financial institution. Reviews about Sberbank on loans are most often found on the Internet. Most often they are of a business or informational nature, sometimes they contain claims, which will be discussed below, and very rarely - sincere gratitude for the fact that people were financially supported at a difficult time for them.

From history

Activity of the Savings Bank began back in 1841, and during the existence of this financial institution, many interesting events took place. Already in 1895 there were 3875 savings banks in Russia, about two million savings books. In 1993, people began to use Sberbank ATMs, in 2008 - to use the online service, in 2010 - reviews of Sberbank on loans for the first time wrote about the cancellation of all fees for the issued loan.

Of course, the bank is engaged not only in lending to the population. All these years it continued to grow, develop, surprise customers with more and more new technologies. Now remote control is well developed here, helping to make transactions with cards and accounts. A variety of offers to clients regarding cards, deposits, brokerage services, mutual funds, insurance programs are regularly replenished. However, lending occupies a significant place in the activities of the bank.

Design

Reviews of Sberbank on loans note that the list of loan products provided by this financial institution is expanding, various promotions are being held for customers and profitable offers are being received. Opportunities are just fantastic. It is enough to open the Sberbank website, make an application, attach the documents, the list of which is indicated there, and you don’t even need to leave your office or home anywhere.

The application will be reviewed and most likely accepted. It remains only to receive cash, which will provideSberbank. Customer reviews for loans are written by different people. Someone needs additional money for consumer purposes (to buy furniture, for example), someone wants to improve their living conditions (having a pension of nine thousand rubles, it is impossible even to change steam heating batteries without outside investments, for example), someone wants to give a child a paid education… And Sberbank helps almost everyone to survive difficulties.

About consumer loans

You can take a consumer loan without collateral and guarantee for absolutely any amount up to one and a half million rubles from fifteen thousand. The term can also be any - up to five years from three months, and this is determined by the Sberbank depositor. Customer reviews of loans speak of rates starting at 14.9 percent per annum. The documents you will need are the simplest: a questionnaire, a certificate of income, a passport and a copy of the work book. If wages are transferred to a Sberbank account, then nothing will be needed except an identity card. The received amount can be used for absolutely any purpose: household appliances, car, travel, apartment renovation.

If you need an amount from one and a half million rubles to three million, you can not do without a guarantee, and such an application can also be made online. In this case, documents are needed both for the person applying for a consumer loan and for the co-borrower (just the same: application form, passport, copy of the work book and income statement). If wages are received on a card or Sberbank account, you needonly a passport. Citizens under the age of eighteen and those who have crossed the line of seventy-five years by the time the debt is paid off cannot apply for such a loan. The loan term can be adjusted from three months to 5 years, but the interest rate is higher - from 19.5 percent per annum. Within two days, the application will be considered, and if the applicant for a loan is a client of Sberbank, then this period is also reduced.

Buy an apartment

If the decision to issue a loan by the bank is positive, cash can be obtained at any branch, there is nothing easier than taking a loan from Sberbank. Reviews say that only repaying this debt, like any other, is difficult. However, there is nothing to do, especially if you need to buy a home. There are very few people in the country who have made such a purchase without the participation of financial institutions.

Sberbank willingly helps to bring such a grandiose plan to life. The interest rate here is slightly lower - 14.5 percent per annum, but much depends on the amount of initial capital, as well as the term of this type of lending. The maturity of this debt is up to thirty years. A loan can be any from forty-five thousand rubles. The documents for applying for a loan are exactly the same as those listed above.

For young people

Young families will have to additionally attach birth and marriage certificates to this package of documents, as well as a maternity capital certificate if the family participates in the mortgage program. And then you just need to apply for a loan to Sberbank. MortgageLoans reviews collect numerous, since this type of lending is very popular in recent years. You can also submit an online application, which will be considered in two days, then notifying the client of further actions.

If the decision is positive, the mortgage loan is granted and the client immediately becomes the owner of the property that is selected. For housing lending, regular promotions are held at Sberbank: you can get good discounts on the rate on this loan, the size of the initial capital can be reduced to 15 percent. The term of such a loan is from one to five years, the amount is from forty-five thousand to five million rubles.

Subsidiary farm

People who are engaged in subsidiary farming can also apply for a consumer loan. Such a loan has subsidies for the interest rate at the expense of budgetary funds. The loan is issued for a maximum of three hundred thousand rubles if the contract is concluded for a period of up to two years, and for seven hundred thousand rubles if the contract is five years old.

Borrower must be over 21 years of age and under 75 years of age at the time of conclusion of the contract. Recently, Sberbank has quite often issued such loans to individuals. Reviews say that the design is simple, no special documents are required. On the site, you need to fill out a questionnaire, wait for a decision, then receive money in any branch.

Loan reviews

The reviews talk about lower interest rates, an individual approach to each client, andminimum documents. There are no hidden fees and commissions, early repayment of the debt - both full and partial - is allowed, this can be done at any time, by a simple application. Reviews are also often noted: a loan at Sberbank can be repaid using the Sberbank Online system, even from mobile applications. There is an auto payment service. Mobile banking, terminals and ATMs are also used.

A cash loan can be obtained by all citizens who are 21 years of age, pensioners and workers. Special offers for military personnel - with a special program. A serviceman can receive the maximum amount of one million rubles for up to five years at 15.5 percent per annum. This amount can be not only an additional payment for the purchase of housing, but also be spent on any other purpose, which is often written about in reviews.

Refinancing a loan at Sberbank

An individual and a client of this bank who find themselves in a difficult life situation should be helped to reduce the amount of the principal debt. Sberbank does this for people with the active support of the state. However, reviews say that such actions are met with hidden internal resistance from bank employees. The terms of such promotions are usually very limited, and people who have applied for refinancing wait so long for a decision that the time for the promotion ends. Even submitting such an application is difficult, because not all departments take it. The people have two explanations for such delays: Sberbank sabotages the government's decision (and in such a way that customers blamenot a bank, but power structures - they give little money, there is not enough for everyone), or the bank’s policy is not thought out, and employees are not quick. Nobody, of course, believes in the latter. Sabotage is suspected.

There are a lot of similar reviews on the bank's website, and we must admit that they are answered quickly, sensibly, and smoothly. However, the testimony is confused even on their own website. For example: a loan is given to pay off a mortgage debt in a third-party bank, and loans taken from Sberbank are not refinanced. This should not be the case, judging by the description of the conditions of the promotion. In a word, to refuse an application, there will always be some reason.

There are many failures. There are practically no reviews of positive results. On this issue, mostly just resentment. Either the client’s employer will not like it (about which Sberbank knows absolutely nothing), then the approval of the application will be delayed … There are a huge number of reasons. There are literally a few positive reviews on this issue, and, frankly, they don’t particularly want to believe. There are even reproaches that the bank itself does not personally understand the declared refinancing service. That's what the reviews say.

Credit insurance

Sberbank has another weak link in its work. There are no positive reviews about the return of insurance either. And in many cases they are obliged to return it - in case of early repayment of the loan, for example. This often doesn't happen. It seems that by any means the bank needs to ensure that this money is taken away from the client forever. And if you imaginethat the bulk of the clientele are pensioners who, due to insurmountable circumstances, were forced to take loans, who were starving, but repaid the debt much ahead of schedule, because the old upbringing does not allow fattening on other people's money, then the picture emerges very eloquently. To take away from the pensioner the unfortunate couple of thousand rubles, which would be enough for him only for bread, is a mortal sin. Reviews of 2017 write about this. A loan at Sberbank cost many at least in the time spent, money lost and increased pressure from frustration.

In 2017, some very unusual stories were described. This concerns the fact that insurance is literally imposed on clients, although this cannot be done without the client's wishes. First, they force him to agree with a grueling message from one employee to another under the pretext of a non-working program, then they still count the loan with insurance, and when a person begins to resent, they simply refuse him a loan. This situation happened according to almost the same scenario in many and very distant cities.

Is this the Sberbank policy being demonstrated in all its glory? In one of the cases, the client was not too lazy to go to court, in which Sberbank lost and, by a court decision, had to significantly reduce the pen alty, which he organized for the client by his own actions. Moreover, even without filing an appeal, the bank decided not to comply with the court decision, demanded the issuance of the initial amount, after which it blocked the client's card. On the Sberbank website, this review is ignored, although many others are nearbyanswered.

Credit Momentum

Reviews card Sberbank Credit Momentum has collected numerous and mostly positive. Everyone writes about ease of use, about the benefits of conditions. Only citizens of Russia over 25 years old, but under 65 years old can get it. You must be officially employed for at least six months at the same place of work. And, of course, you need to be a client of Sberbank in order to receive a personal offer from him, all the reviews also mention this. The conditions of "Credit Momentum" from Sberbank are good for those who are looking for a profitable loan and need money.

Of course, each proposal has its pros and cons. The card is issued quickly, it has a grace period of fifty days, the account is serviced for free, the credit limit is quite high, there is auto payment and free SMS notification, you can link the card to electronic wallets. Also, as noted by the reviews, "Credit Momentum" (Sberbank) gives privileges and discounts from the payment system of partners. The interest rate is not high. Frequent bonuses. remote services. Of the minuses: fines for the slightest delay are very serious. A card is issued only at the individual offer of Sberbank. There is a very high fee for withdrawing cash. Judging by the reviews, it will not be possible to extend the validity of this card: the card will be issued, but it will not be Credit Momentum, since it does not have almost all the advantages listed above. This card is valid for a year.