Belarusbank consumer loan for 5 years. Loans from Belarusbank - conditions and interest rates. Loan "Optimal Partner"

It will help you choose the right loan product, calculate the basic parameters of the loan and build a schedule for upcoming payments.

Belarusbank mortgage calculator
Belarusbank concessional loan calculator
Belarusbank loan calculator for young professionals

The bank is located and operates on the territory of the Republic of Belarus and issues loans in Belarusian rubles.

"Belarusbank" provides such types of loan programs as: consumer loans, loans for the construction and renovation of real estate, soft loans for housing repairs, loans for education, including soft loans, loans for young professionals, loans for the improvement of burial sites, loans "Health" and "Agrotourist".

Loan amount for consumer needs determined by the solvency of the person who applied to the bank. Loan money can be transferred to plastic card, and at your request to the accounts of other individuals, to pay for goods and services, and, of course, in cash. The interest rate on the loan depends on the term for which you take the loan, as well as on the place of your actual residence. So, if you take a loan for 1 year, the interest rate on it will be 35% per annum, and for residents countryside- 34%. The loan amount cannot exceed 200 base units.

The maximum term for issuing a loan for consumer needs is up to 5 years, in which case the annual interest rate is 40% per annum. For citizens who live in settlements with total strength the population up to 20 thousand people is granted a benefit - instead of 40% - 38% per annum.

To start the calculation, fill in the fields of the form below and click the "Calculate" button.

Belarusbank consumer loan calculator

JSC " ASB Belarusbank» provides a wide range of financial services individuals and legal entities. One of the most demanded areas is the provision of loans. various categories people according to their needs. Specialists carefully study the current situation on the market and try to offer services on the most favorable terms. After reviewing the full list of existing lending opportunities, each client will be able to choose the most optimal option.

Consumer loans

One of the most demanded products of Belarusbank is loans for consumer needs. They are characterized by ease of design and a minimum set of requirements, which increases their accessibility for all segments of the population. The main purpose is the purchase of goods or services for personal use. They can be obtained by every citizen who meets the conditions.

Consumer loan for any purpose

A consumer loan in Belarusbank is characterized by mild requirements - the absence of guarantors and the need to confirm income (up to 490 Belarusian rubles). The maximum amount that can be obtained for this type of lending is 8 thousand Belarusian rubles. rubles.

The interest rate depends on the time during which the client will use borrowed money. The loan calculator of Belarusbank allows you to pre-calculate the amount of the monthly payment, taking into account current income. Funds can be received both in cash and non-cash.

To take a loan from Belarusbank for consumer needs, you must provide a basic package of documents, which includes:

Copy of the passport;
Consent to the provision of a loan report and the processing of personal data;
If necessary, proof of income.

Persons carrying out entrepreneurial activity must provide:

Copies of the certificate of registration, if any, then the license;
income data;
If the individual entrepreneur opened an account, then you need an extract on receipt and withdrawal Money for 3 months. When working without opening an account, you must provide a tax return;
Single tax payers need an extract on the tax payments made.

An application for receiving a payment is made on the official portal on the Internet or at the office of Belarusbank.

"Successful upgrade" to 7 years

This type is issued in 2 cases:

To repay other loans provided by banks of the Republic of Belarus for personal needs;
To pay off a debt on a loan received from Belarusbank.

This program is issued without guarantors for up to 7 years. The amount that can be obtained for this type of loan corresponds to the amount of debt. A citizen can receive additional funds that exceed the balance of another loan if he is able to repay payments on time. In this case, proof of income must be provided.

Confirmation of solvency is not required when receiving an amount up to 20 base units. The client can apply for any amount without a document from the place of work, if he already receives a salary or pension at the branches of Belarusbank.

The following conditions must be met for an application to be approved:

A loan requiring cash to be repaid must be registered in the name of the applicant;
Absence of the current delay and the presence of no more than 2 violations of the terms of payment;
At least 2 payments have been made to repay the principal debt;
More than 90 calendar days remain until the end of the debt term.

Applications are made online or at bank offices.

Loan "Tested by time"

This program involves the use of international credit card, which has a renewable limit. Its advantage is the minimum set of documents. A loan can be received by every client of Belarusbank who receives a salary through it and has not yet reached the age of 57.

The service can be used by citizens with both good and bad story loans. But the first group receives a lower interest rate.

The term of the credit card is 3 years. After this time, it needs to be reissued. The amount of money provided to the applicant depends on his solvency. The Belarusbank loan calculator allows you to calculate monthly payments, taking into account all the nuances.

This type of loan is available for the following categories of people:

Citizens of the Republic of Belarus;
Foreign citizens;
Persons without citizenship.

When applying, you need to provide a basic package of documents.

Includes 2 programs:

To buy a new car;
For the purchase of Geely from the dealers of SZAO BELGI.

The first offer allows you to receive funds without initial capital at a low interest rate. Longest term- 7 years. A 6 month deferment is possible.

The payout amount depends on financial position borrower. The method of securing obligations is a guarantee.

The second program provides a low interest rate for the first 2 or 3 years. The loan amount is determined in a similar way. But it can be increased by adding the income of the guarantor. Term - up to 7 years.

Both programs require the submission of the same set of documents, which includes the basic set, a registered copy of the sales contract vehicle or reference invoice.

You can leave an application for receipt only at the branches of Belarusbank.

This is the most convenient type of lending with relaxed requirements. Without visiting the office of Belarusbank, you can get loans of 2 types:

"Internet cashless".

Disbursement of funds under both programs is carried out in a non-cash way. Guarantors are not needed. Any client of Belarusbank who owns a plastic card and using the Internet banking system.

Term - up to 3 years, maximum amount - up to 10 thousand Belarusian rubles. rubles. The exact figure depends on the solvency of the citizen. The method of securing obligations is a penalty.

The interest rate for the first program is 0.01% per annum, for the second it depends on the term. Members of the Carte Blanche club receive more than profitable terms. The list of partner stores where the “Installment without overpayments” offer is valid is presented on the official portal of Belarusbank.

Credit for the purchase of goods or services

This type involves the provision of funds on the basis of agreements with partner companies that sell goods or provide services.

Includes 4 programs:

None of them require proof of income or guarantors. A supporting document is required only when receiving a credit card. Debt repayment is carried out in equal installments. In addition to the basic package of documents, it is necessary to provide contracts and invoices. The list of partners is presented on the official portal of Belarusbank.

Consideration of the application within the framework of the first proposal is carried out within 1 hour. The term depends on the agreements with the partner organization, but not more than 3 years.

The term, amount and interest rate under the loan offer "Partner" is determined by the agreement.

The term of the loan provided under the agreements concluded with organizations is 1.5 years. A calculator will help you calculate a loan in Belarusbank for consumer needs. It takes into account almost all the nuances, including credit history, which allows you to get the most reliable result.

Youth loans

For young people under the age of 31, Belarusbank is ready to offer 2 programs:

Interest under the first offer is calculated at a reduced rate during the first month. The transfer of money is made by issuing a credit card. The maximum amount is no more than 5 thousand Belarusian rubles. rubles, the term is up to 5 years. The borrowers are young families with a child. A birth certificate must be added to the basic package of documents.

The second sentence is not much different from the first. Exception - the maximum amount is 200 basic units, the possibility of securing a loan with a forfeit with a good history of loans, no need to have children.

It is provided to pay for the first training of the client in secondary specialized or higher educational institutions, provided that it will be held in full-time form.

The calculation is carried out by transferring funds to the account educational institution. The amount of the payment is equal to the annual cost. Any means, except for insurance and forfeit, act as collateral. Interest is charged at a low rate. The borrower is obliged to repay interest starting from the next month after receipt, and total amount- within 5 years after the completion of the educational process at a university and 3 years at an institution of secondary special education.

A certificate stating that the education received is the first, a copy of the contract with the educational institution, a certificate of income for the past 3 months are added to the basic package of documents.

This program is the best loan for pensioners in Belarusbank. It applies to all people receiving a pension, regardless of their actual age. Maximum amount– 150 base units. The borrower receives a credit card. The maximum term is 3 years.

The Time to Live program is notable for its economical interest rate. Cardholders of Belarusbank receive even more favorable conditions.

You can leave an application at any office of the bank or on its official resource on the Internet. To do this, you need to prepare a basic package of documents and an extract on the amount of the pension for the past 3 months. Obligations are secured by any permitted means, except for penalties and risk insurance.

Belarusbank provides loans to the population to meet various needs related to the acquisition, construction and repair of housing. Each program provides for specific cases, which allows you to choose the most suitable option with the most favorable conditions. Belarusbank home loan is one of the most popular products that citizens often use to improve the quality of life.

Lucky Upgrade Credit

It is provided to clients who have previously received funds from the banks of the Republic of Belarus for the purchase of real estate.

The loan amount is determined by the solvency of the applicant, but not more than the amount necessary to repay the debt. Credit obligations are secured by all permitted methods, except for a penalty and risk insurance.

To receive a loan, you must meet the following requirements:

The applicant is personally a party to the contract;
Credit must be used in full;
No delay or non-compliance with payment terms. It is allowed to have 2 violations;
The client has already made at least 2 payments;
Loan term exceeds 3 months.

When making an application, in addition to the basic set of documents, you must provide an extract on a previously taken loan containing basic information.

"Mortgage with us"

This affiliate program Belarusbank and Dana Holdings - a large construction company in Belarus. With this offer you can pay up to 90% of the cost of housing. The term is up to 20 years.

Interest is divided into 2 periods. A special calculator located on the official website in the "Credits and Leasing" section will help you calculate a loan in Belarusbank.

The method of securing obligations depends on the amount of the payment. If it exceeds 100 thousand Bel. rubles, then it is necessary to provide a pledge of the acquired housing.

Principal debt is paid monthly, and accrued interest - for real period use.

When applying, you must provide a document from the company, indicating the right to receive funds under this offer.

A loan for the construction or reconstruction of a residential building with the use of a subsidy for its repayment

You can use this program after a decision is made by the relevant authority to provide the population financial aid in repayment of a certain part of accrued interest. The loan agreement must be concluded before the building is used for its intended purpose.

The amount of the loan is determined by the cost of housing and the financial capabilities of the client. Consolidation of family income is possible. The maximum term is 20 years. The transfer of funds is carried out by crediting to the account of the organization. The list of citizens who are entitled to receive financial assistance can be found on the official website of Belarusbank.

When applying, you must provide a basic package of documents and a certificate confirming the provision of a subsidy.

Construction loan

Belarusbank loan for housing construction allows you to purchase funds for the implementation of the corresponding goal. The term of the grant is up to 20 years. You can cover up to 90% of the cost with a loan. The exact number depends on financial opportunities client. With their lack, it is possible to combine the income of the family and close relatives. Interest is accrued in accordance with the refinancing rate of the National Bank of the Republic of Belarus + 3 p.p.

To apply, you must provide a basic package of documents. In addition, some other papers are needed, the list of which depends on the method of construction.

This program allows you to purchase funds for the purchase of a housing stock or an allocated share in it. The maximum term is 20 years. The amount depends on the solvency of the client and the cost real estate, but not more than 90%. You can calculate a loan for the purchase of Belarusbank housing using a calculator.

If the applicant does not have sufficient income, then it is possible to pool all the funds received by the family and close relatives. When registering, you need to provide a basic package of documents and attach a contract of sale to it.

This offer is intended for members of the system building savings which consists of 2 stages. Initially, people save their own money by choosing a suitable Belarusbank program.

The second stage involves receiving the missing amount from the bank on favorable terms. The advantages of this program include:

The possibility of transferring rights to other persons. For example, from parents to children;
Interest is repaid in equal installments;
A loan can be obtained by any citizen, regardless of current housing conditions.

The amount can be up to 75% of full cost real estate, term - up to 20 years. The possibility of obtaining a loan appears immediately after the end of the program for the accumulation of funds.
When applying, you need to provide a basic package of documents and housing savings agreement data that allow you to determine the loan amount. In addition, additional information is required, the set of which depends on the method of construction.

This program is identical to the previous one. But the purpose of obtaining funds is not construction, but the purchase of finished residential premises. The offer has the same benefits and conditions.

When applying, you must provide a basic package of documents and a contract of sale.

Overdraft is a type short term loan. Holder can get it debit card, which is used to calculate wages, allowances, scholarships and other payments established by law.

The main goal is to receive the missing funds when making any payment. The client determines the amount himself. A suitable loan program is selected taking into account the current needs of the borrower.

Leasing services are available to individuals for the following purchases:

Vehicle;
Items used for a long period of time;
real estate;
Goods included in joint programs.

Lease payments are calculated using the leasing calculator.

All loans can be paid different ways by choosing the most convenient one. However, many users ask the question: “How to pay a Belarusbank loan through ERIP?”. To do this is extremely simple:

Insert payment card to the information kiosk;
Enter PIN code;
Select the category "Payments";
Click on the button "Payment of loans" and go to the appropriate category.

After that, it remains to enter the required data, complete the operation and take the check.

Belarusbank offers loans for consumer needs to everyone who lives in the Republic of Belarus. This a great opportunity make a long-awaited purchase.

In Belarusbank, everyone will find the best loan product for themselves. The bank's specialists did a good job of creating consumer lending programs, thanks to which loans became even more accessible to all categories of the population of the republic.

In this article, we will analyze the current loan programs from Belarusbank. Perhaps someone will like some kind of loan after reading this article.

Belarusbank has a loan that provides for spending on consumer needs. This credit can be used to pay for goods and services, even if they were purchased on the Internet.

Consider the requirements of the bank in relation to its future borrowers and understand who can qualify for this loan.

Requirements of Belarusbank to applicants:

Capable persons
permanent residence in Belarus
Stable source of income in Belarus

It is noteworthy that this cash loan can be issued by both a citizen of the Republic of Belarus and stateless persons residing on a permanent basis in the Republic of Belarus.

So, the following credit conditions are available to the applicant:

Loan disbursement method: bank transfer or credit payment card jar
Debt payment procedure: actually for the period of use money loan
Loan amount: individually

The loan amount will be calculated based on monthly income borrower. By the way, the loan rate will also depend on some factors (agreement / refusal of insurance, loan term, etc.).

Let's call it standard consumer credit and look at other current offers bank aimed at consumer needs.

Loan product "Time to live"

Such a cash loan is designed for consumers who have reached retirement age. However, there is a reservation that persons entitled to receive a pension in accordance with the legislation of the Republic of Belarus can apply for this loan.

Benefits of this loan:

Lower credit rate
Possibility to apply for a loan without proof of income
Customers can buy goods and services online
The applicant is provided with several ways to register the application

Terms this loan The applicant can count on the following credit conditions:

Providing a credit amount to a credit payment card
The amount of the loan: in the amount not exceeding 150 basic units within the solvency of the borrower
Loan collateral required

As security, the following are possible: a guarantee of individuals, a pledge and any other methods of security debt obligation provided by the legislation of the Republic of Belarus.

It is noteworthy that the credit rate is floating.

This loan is also designed for the consumer needs of the borrowers. He provides for the issuance borrowed money to refinance a problem loan.

Refinancing applies to consumer and mortgage loans that were issued in Belarusian rubles or in foreign currency. But it is important that the bank provides an opportunity to take advantage of this credit program only for refinancing loans that were previously issued in Belarusbank.

This loan can be issued without a guarantee, and if the borrower is also a payroll client of the bank, then he will not need to confirm his income with certificates.

Credit terms:

Method of issuing a loan: non-cash transfer to pay the principal debt on a refinanced loan
Interest payment procedure: upon use of the loan
Loan amount: depending on the solvency of the client
Security: any option, statutory republics

The amount of the loan, although it depends on the solvency of the borrower, but it certainly will not exceed the amount of the remaining debt on the principal debt of the refinanced loan.

The loan will look like this:

Any balance of debt on the loan, but the use of the loan up to 1 year: 20%
The balance is over 1 thousand rubles, and the use of the loan is up to 5 years: 21%

Let's take a quick look at the requirements for borrowers who want to refinance their existing loan.

Belarusbank requirements:

A client who is a citizen of the Republic of Belarus, a foreigner or a stateless person who is on permanent residence in the Republic of Belarus
Having a permanent source of income in the Republic of Belarus

Submit an application in a convenient way for you and the bank will certainly notify you of its decision as soon as possible.

Loan "Tested by time"

Provides for the issuance of a loan using an international credit line by opening a revolving line of credit.

This cash loan is available to payroll customers and their age does not exceed 57 years.

The loan is issued to an international credit card, which will be valid for 3 years. After this period, it can be reissued. Well, the amount of the loan will be calculated based on the data on the solvency of the borrower.

Belarusbank provides several ways to register a loan application. The applicant only needs to choose the most suitable method for him and fill out the application form of the bank.

Ways to register an application in Belarusbank:

At a bank branch
Through the information kiosk of Belarusbank
In the M-Banking system
On the corporate website of Belarusbank
Through the contact center

As you can see, the bank made sure that it was convenient for the applicant to apply for a loan. And for those applicants who do not like queues, the remote option is very suitable, i.e. registration of the application in any way, except for a visit to a bank branch.

Documents for obtaining a loan

To document credit obligation before the bank, you need to collect a certain package of documents.

Standard list of papers that will be needed for the conclusion loan agreement, as follows:

Passport of the applicant (and guarantor)
Income statement or bank statement for the last 3 months.
Consent of the applicant and the guarantor to the processing of their personal data

Please note that certificates are only valid for 30 days.

If necessary, the bank manager will clarify what other documents are needed to conclude a loan agreement, but this is already individual in each case.

The easiest way to get a loan is to payroll clients, since the lender has necessary information about the borrower. It is enough for such clients to fill out an application and verify their identity with a passport.

Belarusbank has a lot of consumer lending programs. There is also a separate section of loans for the younger generation, as well as educational loans. Follow up-to-date loan offers bank and you will definitely find such a loan product that will provide favorable lending conditions.

JSC "ASB Belarusbank" is the largest in the territory of the Republic of Belarus. The bank provides over 100 types of financial services, including consumer lending. Belarusbank's clients are about 70% of all borrowers in the country, which is more than 800 thousand citizens.

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Lending terms

Belarusbank has several types of consumer credit products. There are options for the target direction, with provision, social orientation. At the same time, lending conditions for all loan products are similar to each other.

Filing an application

In order to obtain a consumer loan, the Applicant has the opportunity to apply:

in any of the branches of JSC "JSSB Belarusbank", which provides banking services;
fill out an online application on the corporate website of Belarusbank;
call the contact center at a special short number 147.

Applying for a trade credit is done directly in trade organizations who cooperate with the Bank.

Documents required by the Bank

For approval loan application and granting a loan, the Bank requires the following documents:

Passports, as well as their copies of the borrower and guarantors for the loan (in the case of choosing a loan with collateral - the guarantee of individuals).
Loan application form.
Certificates confirming the availability of income from the borrower, as well as from the guarantor (if involved). Or an account statement for the last quarter, provided that the borrower receives a pension or salary through Belarusbank. Certificates are valid for 30 days.
Borrower's consent issued in the National Bank of the Republic of Belarus to provide information about him, namely credit report from the Credit Register.
Consent of the client to receive and verify by the Creditor Bank personal data about him.

Additionally, depending on the purpose of the loan, the Bank requires:

1. As part of the provision of trade credit:

invoice.

2. When applying for a burial loan:

death certificate;
invoice.

3. The need for a loan for medical services, the borrower must confirm:

certificate from medical institution on the dispensary registration of the applicant himself or his relative;
an agreement and (or) an invoice for the provision of medical services indicating the cost of medicines and services provided.

4. For an education loan:

a copy and original of the agreement on training a specialist in a higher or secondary specialized educational institution on a paid basis;
certificate from educational institution, indicating the presence of the first higher or secondary specialized education.
The document must contain information about the form and timing of graduation.

Before applying for a loan, it is worth considering -. Detailed information about this type of lending, you will find on our website.

Do you want to take out a mortgage but don't have the money to pay? an initial fee? We will tell you.

Interest rates

The peculiarity of the current interest rates on consumer loans in Belarusbank is its linkage to the refinancing rate National Bank The Republic of Belarus.

Thus, the Bank sets the cost of a particular loan as a multiple of the amount credit rate refinancing of the National Bank of the Republic of Belarus plus (or minus) a certain number of credit points.

The size of the interest rate under the concluded loan agreement remains unchanged throughout its validity, unless otherwise provided by the agreement itself.

The refinancing rate of the National Bank of the Republic of Belarus last changed downwards in August 2020. As of November 2020, its value corresponds to 20% per annum.

Video: How to get a loan?

Types of consumer loans from Belarusbank

Consumer lending in Belarusbank is limited to 9 offers.

Requiring security in the form of a guarantee, non-return insurance, collateral:

"Consumer credit" for any needs. Provided by non-cash transfer or to a payment card;
"For the purchase of a car", in fact, targeted car loans;
"For training", provided for the purpose of obtaining higher and secondary specialized education. The money is transferred to the account of the educational institution;
"", as well as the installation of monuments and fences;
"For medical services" for citizens who are registered with the dispensary, in order to pay medical care, purchases of medicines and equipment.
With provision only in the form of a penalty:
“Tested by time” is a non-targeted loan designed for payroll clients under the age of 57 years. Money is transferred to an international credit card;
“For the purchase of goods”, as the name of the target indicates consumer credit for the purchase of goods in trade organizations with which the Bank has agreements;
"Application to Santa Claus", special offer for the New Year holiday, valid from November 24, 2020 to January 15, 2020. The loan is provided on a bank card.

Without collateral:

"Installment without overpayments" is a loan intended for the purchase of goods in certain trade organizations. The loan is transferred to the settlement account of the trading organization.

Requirements for the borrower

The Bank's requirements for an applicant for a loan are the same for almost all loan products:

citizen of the Republic of Belarus;
foreign citizen;
a stateless person;
compulsory residence in the country;
having a permanent source of income in Belarus;
branch and representative office employee legal entity which is located overseas.

Loan processing

Regardless of the method of applying for a loan, in order to draw up a loan agreement, the borrower must come to the Bank's branch. Moreover, this makes it possible to count on the maximum loan amount.

Features of applying online

For borrowers who apply for in electronic format a loan of no more than 200 base units is available.

As of November 2020, this is within 30 million bel. rub. The process of filling out and submitting an online application is as clear and simple as possible. All you have to do is fill out the form provided on the website.

The decision of the Bank is communicated to the applicant in the manner indicated in the application. Refusal is possible in a situation where loan payments are more than 50% higher than the net income of the borrower. In the case positive decision, the client must personally come to the bank with a package of necessary documents.

Interest rate

The interest rate is set by the Board of the Bank in accordance with the type of loan, the terms of its provision and the period of use.

In most cases, its calculation is based on the refinancing rate of the National Bank of the Republic of Belarus (hereinafter referred to as the NBRB rate), which as of November 2020 is equal to 20% per annum.

Type of loan product	The size and features of the interest rate
Type of loan product	Calculation in relation to the refinancing rate of the National Bank of the Republic of Belarus	Absolute value as of November 2020, %
"Tested by time"	For citizens with a positive CI: 2 times the rate of the National Bank of the Republic of Belarus - 4.5 percentage points
"Tested by time"	For all other borrowers: 2 times the rate of the National Bank of the Republic of Belarus - 3.5%
consumer credit	For a loan for up to 1 year: 2 times the rate of the National Bank of the Republic of Belarus at the time of the conclusion of the contract - 4.5%
	For a loan for up to 5 years: 2 times the rate of the National Bank of the Republic of Belarus at the time of the conclusion of the contract - 2.5%
	For a loan for up to 5 years, subject to the conclusion of an insurance contract: 2 times the rate of the National Bank of the Republic of Belarus
To purchase a car	For up to 7 years - 2 times the rate of the National Bank of the Republic of Belarus
To purchase a car	For up to 5 years - 2 times the rate of the National Bank of the Republic of Belarus - 2 p.p.
For the purchase of goods	2 times the rate of the National Bank of the Republic of Belarus - 4 p.p.
For education	For the first education: the rate of the National Bank of the Republic of Belarus on the date of conclusion of the loan agreement + 10%
For education	For obtaining a second education: the rate of the National Bank of the Republic of Belarus on the date of conclusion of the loan agreement + 12%
Improvement of burial sites	rate of the National Bank of the Republic of Belarus on the date of conclusion of the loan agreement + 6 p.p.
For medical services
"Installment without overpayments"	with payment of 0.01% per year
"Application to Santa Claus"

In accordance with the terms of loan agreements, the interest rate does not always remain unchanged throughout the entire period of the agreement.

A change in the cost of a loan may be caused by a change in the refinancing rate of the Central Bank of the Republic of Belarus. Or by decision of the Board of the Bank.

The borrower is informed about the new terms of the loan through newspapers, websites and branches of the Bank.

Maximum and minimum loan amount

Before concluding a loan agreement, the Bank assesses the client's creditworthiness.

The assessment analyzes debts on loans, guarantee agreements, credit history, factors that can affect the solvency of the borrower (marital status, expenses).

The result of this analysis is the definition maximum size credit, that is, the limit of the borrower's solvency. It cannot exceed the borrower's net income ratio set by the Bank.

Minimum size for consumer loans Belarusbank is not installed.
The available size of the marginal loan for the borrower necessarily satisfies the above criterion. Individual loans have additional conditions:

Name of consumer loan	The maximum loan amount within the solvency of the borrower
consumer credit	but not more than 50 million Bel. rub.
To purchase a car	taking into account the cost of the car
For the purchase of goods	in the amount of up to 200 base units established by the legislation of the Republic of Belarus as of the date of the decision to issue a loan (currently - up to 30.0 million rubles)
"Installment without overpayments"
"Application to Santa Claus"
For education	within the annual tuition fee

Loan disbursement terms

Credit terms in Belarusbank generally range from one to seven years.

consumer credit	Loan terms
"Tested by time"
consumer credit	1 to 5 years
To purchase a car
For the purchase of goods	up to 1.5 years
For education
Improvement of burial sites
For medical services	up to 2 years
"Installment without overpayments"	depends on the outlet
"Application to Santa Claus"

State regulation of the interest rate level allows controlling the lending system in the Republic as a whole and in Belarusbank in particular.

All loan products are available, inexpensive and easy to obtain. By using loan funds you can become parents, solve current issues and perpetuate the memory of loved ones.

This allows us to say that Belarusbank is ready to help its customers throughout their lives.

Debt repayment

Payment on debt to Belarusbank is made monthly for the actual time of using the loan in accordance with the schedule.

There are several ways to repay:

at the cash desks of the bank;
at information kiosks, using cards issued by ASB Belarusbank and other resident banks. In the latter case, the commission is 1% of the amount;
through M-banking;
using the Internet banking service.

Have you reached retirement age and now want to take out a loan? We will tell you.

Pros and cons of a bank

“Belarusbank – Striving for growth. Yesterday. Today. Tomorrow" - this is the motto of the largest state bank Belarus. It is better for the bank to leave its minuses in yesterday's memories.

According to customer reviews, the main problems of the bank are:

commissions, as the bank calls them "the amount of remuneration" charged for certain services. If speak about consumer lending, then such a fee costs the client 3.5% of the amount of cash withdrawal, but not less than 10 thousand Belarusian rubles. rub.;
problems in the work of Internet banking. Unfortunately, the service is not always available to customers "due to technical reasons", which naturally causes inconvenience and dissatisfaction;
insufficient number of ATMs and branches.

But these minor shortcomings are more than covered by today's pluses:

affordable loan rates;
two low-interest offers on social targeted loans for medical services and improvement of burial sites;
a convenient website of the Bank, which allows the client to independently understand the conditions of lending, get answers to questions of interest through an online consultation, calculate loan conditions using a calculator;
holding holiday promotions on credit offers;
credit offer "Installment without overpayments", which allows you to purchase on the terms of an almost interest-free loan.

But even tomorrow the Bank has room to grow. In the future, it would be nice:

increase the number of branches;
expand the list of partner outlets;
eliminate shortcomings in the operation of Internet services;
expand the range of unsecured consumer loans.

The history of Belarusbank, the largest in Belarus, began in 1987. Some time later, it was joined by sectoral financial institutions and the Minsk commercial Bank.
In 2011, the bank took a leading position in the country. It is included in the TOP-100 of the best banks in the world. In 2015, Belarusbank took the honorable 10th place in the list of 25 banks, the best in the territory of Eastern Europe.
More than 99% of bank shares are state-owned. The bank has many certificates and awards, including for international transfers and execution of financial orders for high level.
The total amount of credit funds from foreign investors is 2 billion US dollars. The bank has 28 branches, about 100 service centers banking services, more than 1,600 branches, more than 160 currency exchange offices and a head office in Minsk.
Key areas of activity financial institution are loans to corporative clients And individuals, deposit operations, overdraft, brokerage services.
A consumer loan is issued in a non-cash way, on a credit card. The interest rate is charged for the actual time of use of credit funds. Credit limit is determined individually, taking into account the solvency of the client.

Under what conditions can you get a consumer loan at Belarusbank?
Collateral, surety, insurance, etc., can serve as security. statutory RB. The loan repayment period is up to 5 years with an annual overpayment of no more than 24%.
Borrowers can be not only citizens of the Republic of Belarus, but also foreigners who have a stable source of income and permanent registration in the country.

Popular products of Belarusbank include:
"Successful renewal" - is provided to pay off debt for real estate or debt on other consumer loans. The loan can be obtained in rubles or foreign currency. Issued without guarantors;
"Tested by time" - involves the issuance of an international credit card with the possibility of making payments on the Internet. The program is available to individuals under 57 who are payroll clients. You can get a loan without a guarantee minimum package documents. The credit limit can be increased during use. Monthly payment– 5% of the remaining debt;
"Confident Start", "Serious Plans", "Young Family" are loans intended for young people. Their advantage is low interest rates, convenient ways redemption and the ability to connect various loyalty programs. Borrowers can become full-time students from the 3rd year, but not older than 31;
"Time to Live" - according to the terms of the program, the loan is intended for citizens of the Republic of Belarus who are entitled to a pension. Borrowers receiving a pension from Belarusbank may not submit a certificate of income. Distinctive feature loan - reduced interest rate;
Student loan - involves the transfer of funds to the account of a higher educational institution, technical school, college. Overpayment per year depends on the solvency of the borrower;
A loan for the purchase of a car - according to the terms of the program, repayment is to be made in equal monthly installments. Buy new car on credit you can official dealer Geely, with which the bank cooperates;
"Internet banking" - allows individuals to apply for a loan "Cashless Internet". Under the terms of the program, a loan in Belarusian rubles is credited to a bank account. Overpayment - 15% per annum, the period allotted for repayment - 1 year. Loan product convenient for paying for goods or services on the Internet.
How to apply for a consumer loan in Belarusbank?
To transfer credit funds to an account or credit card, you should visit a bank branch and provide the following documents:
A copy and original of the passport of the borrower and the guarantor (if you choose a guarantee as a security method);
Certificate of income of the borrower and the guarantor. If the borrower or guarantor receives a pension or salary from Belarusbank, then instead of a certificate of income, you can issue an extract from a personal account for recent months;
Consent of the borrower to provide a credit report from the register of the National Bank of the Republic of Belarus;
Consent of the borrower to the verification of information and personal data about him by the bank.
Certificates are valid only for a month from the date of their issue.
Benefits of lending at Belarusbank
Loyalty programs such as "Conscientious Borrower", "Preferential Rate", " Cashless Benefit” can be used by repaying a loan from Belarusbank.
It is easy to pay for a consumer loan in several ways: via the Internet, mobile banking, at bank information kiosks, using the AutoPay program. But this is not all the advantages of cooperation.
Through the Internet, with a credit card of a financial institution, you can pay for services and goods of different price categories around the world.
You can get a loan from Belarusbank at any of its branches. The application can be filled out on the official website of the bank or at the information kiosk. You can also apply by phone.

When receiving a pension or salary from the bank, you will not need a certificate of income when applying for a loan.