BPS Bank is largest bank The Republic of Belarus. Since 2009 it has been part of joint stock company Sberbank of Russia.

Consumer loans from BPS-Sberbank

The bank offers a choice consumer loans(currency is indicated in Belarusian rubles):

Classical– for any purpose, from 15.8% per annum, from 300 rubles. From one to 5 years. The maximum amount is calculated based on the borrower's solvency. A certificate of income is not required (except for individual entrepreneurs). The rate depends on the loan size. The application review period is up to 10 days.

It's time to act with Sberbank– for any purpose, 300-100,000 rubles, from one to 5 years. For loans up to 5,000 rubles, an income certificate is not required. The review period is no more than 2 days.

Let's learn together - loan to pay for tuition, 15.8% per annum, 300 - 50,000 rubles (the amount issued cannot be higher than the cost of training). Maximum period– no more than 11 years. You can pay for your own education, as well as the education of your relatives. Suitable for basic and additional education. It is mandatory to provide documents confirming training and completion of training. The loan is issued against a guarantee (over 10,000 rubles, 2 guarantors are required). Application review time is 2 days.

You can also issue credit cards:

• FUN card with installments up to 1 year in partner stores, with cashback up to 1% and VISA KLASSIK to pay for goods and services
• A real credit card - up to 5,000 - 10,000 rubles for a period of up to 60 months. The minimum rate is 15.8%.

You can apply for a loan on the BPS website. You must select the type and purpose of the loan, confirm age, registration, availability permanent income and no overdue loans.

After submitting your application, you must wait for a response from the bank manager. You can apply for a loan at any bank branch. The processing time depends on the amount and terms of the loan. See also.

The company OJSC "BPS Sberbank" acts as the largest and most widespread organization in the Republic of Belarus. Its history goes back to the distant times of the USSR. In general, it all started in 1923, when this institution acted as an industrial construction structure. When did the reforms take place? banking sector In 1987, the Industrial and Construction Bank of the USSR was formed on its basis. In 1991, the joint-stock commercial institution of the Belarusian Industrial Construction Bank was established.

In 2009, a large strategic investor was attracted to the company. Since then, the management of the Savings Bank of Russia, together with the Belarusian government, decided on an agreement related to the purchase of shares by Sberbank in the amount of 93.27%. An investment agreement was also concluded on the long-term development of this organization in Belarus. In 2011 it was renamed to its existing name.

Today the organization boasts an extensive branch network. Except central office, it includes as many as 6 regional-level directorates, as well as 59 additional offices. The bank has its own representative office in Warsaw. Historically, the picture has developed that organizations act as clients government institutions, as well as firms operating in basic economic sectors. The bank is universal and is actively developing retail services and business programs.

In this article we are interested in loans from BPS Bank for consumer needs.

Mortgage

Lending to the population for the purpose of purchasing housing is one of the most widespread programs of this organization. Several areas can be distinguished, each of them includes special conditions.

Housewarming party with Sberbank

This loan is issued for the purchase of finished housing or for construction from scratch. In order to qualify for borrowed funds, the borrower must be in the age range of 18-75 years. Documents you will need to provide:

• application form;
• passport;
• documents confirming receipt of income;
• securities related to securing loan obligations.

Loan rates range from 16.3 to 16.8%, depending on the conditions, which can be found on the website.

Construction and reconstruction of housing with subsidies

This program allows you to build a dwelling (single-family individual house or apartment) or improve its appearance. Minimum amount – 5,000 Belarusian rubles, and the maximum value should not exceed the maximum price of a residential building, which is determined based on the decision of the executive committee. Submission period borrowed money is 20 years, and the borrower will require a guarantee in the form of collateral and surety.

Real estate financing "Novoselye" with Sberbank and SKIF

Persons aged 18-75 years can count on receiving a loan. If we are talking about the working-age part of the population, it is important that the borrower has worked in the last place for 6 months and has a stable income. The set of documents is determined individually for each borrower, although in general it is considered universal.

Loans from BPS Bank individuals for the purchase of housing are varied.

Loan for any purpose

"It's time to act"

Under this program, the consumer can count on receiving loan funds in the amount of up to 100,000 Belarusian rubles. Since the program assumes any goals, the borrower is not required to report to the bank on the areas of expenses. In addition, if the borrower does not want to bring a certificate of income or is unable to do so, he can count on receiving an amount of up to 3,000 rubles. The rate is from 16.3%, and the term is up to 5 years.

"Classical"

A potential bank client can submit an online application for a consumer loan called “Classic”. The rate is 16.3%, and the term is 1-5 years. You will have to bring the following set of documents to the bank:

• application in the form of a questionnaire;
• a document proving your identity;
• military ID;
• reference materials from the place of work about stable income and length of service.

The borrower's age must be between 18-65 years. You must work at least 6 months at your last job.

Car loan

Car loan programs in this financial institution are especially popular. The financial institution has a Main Road program, under which a loan is provided for the purchase of:

• new vehicles;
• used cars (the key requirement is that the age must be no more than 10 years at the time of conclusion of the agreement).

A loan application at a bank can be considered even if the client does not bring a purchase and sale agreement. You can take out a loan from BPS Bank to purchase your own car in an amount equal to 100% of the cost vehicle. The price is determined depending on which method of fulfilling obligations is chosen. % rate - from 16.3, and term - up to 7 years.

Credit card

Plastic cards that are tied to credit accounts borrowers, in Lately are gaining momentum in popularity, and BPS, following the example of the West, has developed unique and profitable programs.

Real credit card

This card can be used for anything. Do you want to go on a trip or go shopping? Or maybe make a useful and pleasant purchase? Then this opportunity is for you! This credit card has many significant advantages:

• convenient repayment period for credit resources – 36-60 months;
• Possibility of obtaining a loan up to RUB 3,000. without the need for certificates;
• promptness of consideration of the application;
• minimum set of papers;
• favorable rate.

A real credit card with a grace period

This time period refers to the interval within which it is possible to use loan funds at a rate of 1%. It is 50 days. The credit card, like the previous product, has convenient repayment options, including a term of up to 5 years. The application is processed quickly, and to receive the required amount you only need to provide minimum package documents.

Overdraft on a credit card

Once you apply for an overdraft, you will have constant access to financial resources. Moreover, the loyalty program offers customers a lot of opportunities:

• convenient repayment period – up to 12 months;
• limited scope of consideration;
• provision of a small package of papers;
• rational interest rates;
• selection of cards of any categories and payment systems.

As you can see, BPS Sberbank offers loans for consumer needs in large quantities.

Loan for refinancing

If you have accumulated debts in other financial institutions, you can easily pay them off using one of the refinancing programs.

"Housewarming"

When refinancing a mortgage, the bank issues a loan from 5,000 rubles, and the maximum amount depends on the creditworthiness of the applicant. But it should be no more than the balance of the principal debt. Duration – up to 20 years.

"It's time to act"

If you need to combine several loans into one and make the payment schedule more rational, then this opportunity is what you need. Maximum amount is based on the applicant’s creditworthiness and includes the balance of the principal debt and an additional amount (if desired and necessary). Amount – from 300 rubles, rate – 16.3%, term – up to 7 years.

Education loan

Another common type of loans offered by this organization for individuals is an education loan.

"Learning together"

This is a consumer loan that allows you to get an interesting education, laying the foundation for the future today. The company offers the most attractive terms for such lending:

• the amount is full price training;
• rate – 16.3%;
• term – study time + 5 years, but the total period cannot exceed 11 years.

To download the certificate, you need to select the “Required Documents” section in the tab of the loan you are interested in

Select document and download

The number of loans and programs offered by Sberbank to its clients is considerable. Downloading a salary certificate for a BPS bank loan will not be difficult for you.

OJSC BPS-Sberbank is considered one of the oldest and largest credit institutions in the Republic of Belarus, which was founded in 1923. All kinds of banking programs are available to clients. Loans are provided in different currencies to choose from favorable conditions, a convenient repayment scheme, a flexible approach to the selection and evaluation of the collateral object. Today, individuals, small and corporate business BPS Bank offers loans for the purchase of housing, cars and any other purposes.

BPS Bank issues real estate loans of any type for a period not exceeding 20 years with the smallest amount down payment–10%, but you can contribute more if you wish.

At the same time, the borrower has access to purchasing an apartment on the primary and secondary markets, construction in apartment building, as well as the construction or restoration of residential premises in an apartment building, residential block or single-apartment building under the provided subsidy, regulated by Decree of the President of the Republic of Belarus No. 240 of July 4, 2017.

The minimum loan amount is 5,000 rubles, and for it maximum size influences the way obligations are fulfilled:

1. If the borrower attracts from 2 to 5 guarantors, he will receive up to 90% of the cost of the home, but not more than 150 thousand dollars.
2. If a security deposit is opened Money in Belarusian/foreign monetary unit – 80%.
3. If pledged property rights for a dwelling under construction or purchased with further pledge real estate, car of the borrower or a third party – 70%.

Note! When calculating the maximum loan amount, not only the income of the borrower is taken into account, but also of the involved family members (borrower’s wife/husband) or immediate relative.

Credit funds are provided as a lump sum payment or a non-revolving line of credit by crediting money to the seller's bank account.

Payments to pay the principal and interest are always made before the 20th, and interest rate repayment begins the next month after signing the loan agreement.

Interest rates

The interest rate for the use of borrowed funds for each banking program varies and depends on certain factors:

The refinancing rate of the National Bank of the Republic of Belarus since February 14, 2018 is 10.5%. If it changes, the interest rate on all loan products will decrease or increase.

Requirements

BPS Bank approves housing loans to borrowers who meet a number of requirements:

1. Availability of Belarusian citizenship or residence permit.
2. The minimum age on the date of conclusion of the contract is 18 years.
3. The maximum age on the day of making the last payment is 75 years.
4. Official employment from 6 months at the current place of work (under the program for construction and reconstruction of housing using subsidies, 3 months is enough).

Guarantors or co-borrowers must also fall under these conditions.

Required documents

To consider a loan application, the borrower (guarantor) must attach a pre-prepared package of documents to the application form:

If the borrower wants the settlement total income the bank took into account the spouse’s salary or close relative, then they must give written consent to this. The bank will also need a document indicating the value of the collateral and confirming that it is owned by the applicant.

Online application process

You can submit an application to BP Bank for the construction or purchase of housing either at a branch of the institution or on the Internet. The second method is much more convenient, as it significantly speeds up the process, and the borrower will not waste extra time traveling to a banking institution. The online application process is simple and even inexperienced PC users can do it. To do this, you need to follow several steps.

The emergence of a problem financial situation characteristic of every person without exception. In such cases, the only way out of this situation is to apply for a loan at BPS Bank, where loans for consumer needs are issued without confirmation of their intended use.

Every adult citizen of Belarus who meets certain lender requirements can receive urgent loans.

As for lending conditions, they are individual in relation to each client, which depends not only on the level of his material well-being, but also on the lending program.

"Classical"

Under this program, individuals will be able to receive a loan from BPS Bank only if they provide collateral in the form of real estate. The role of collateral for a loan can be a guarantee from a third party or the opening of a guarantee deposit in a given financial structure.

• annual interest rate:
  • minimum level – 15.8%;
  • the maximum mark is not indicated, it may be higher than indicated, which depends on various changes and innovations National Bank.
• term of use of borrowed funds:
  • from 12 months (1 year);
  • up to 60 months (5 years).
• amount of consumer loan at BPS Bank:
  • 300 Belarusian rubles, at least;
  • The maximum amount is not specified; it depends on the level of solvency of the borrower and the amount of monthly income.

“It’s time to act with Sberbank!”

Thanks to this tariff, both individuals and individual entrepreneurs have the opportunity to take out a consumer loan.

Moreover, considerable sum of money can be obtained without a certificate of income and guarantors, the main thing is to approach the lending process responsibly:

• interest rate:
  • minimum rate – 15.8% per year;
  • the maximum rate is not indicated on the bank’s website, but it is clarified that the mark may be higher than this.
• the period after which the loan must be repaid in full:
  • 12 months, no less;
  • 60 months, no more.
• amount of money owed:
  • from 300 Belarusian rubles;
  • up to 5 thousand Belarusian rubles without providing a certificate of income;
  • up to 100 thousand Belarusian rubles with the provision of income certificates and other documents confirming the borrower’s solvency.

Applying for a loan

In order to receive a loan from BPS, individuals will need to visit a branch of this financial structure and contact an employee of the department for working with individuals. During a conversation with a specialist, it will be necessary to voice the amount desired to receive, after which the most advantageous offer will be selected and presented to the client.

You can also apply for a loan online, for which you just need to visit the bank’s official website and submit an application for a monetary debt.

Requirements for individuals

The lending process cannot be imagined without the borrowers providing a certain package of documents. Also, in order to receive borrowed funds, every citizen, without exception, will have to meet a small list of requirements:

• client age:
  • at least 18 years of age at the time of registration of the debt obligation;
  • no more than 65 years at the time of full repayment of debt to BPS Bank.
• citizenship - the Republic of Belarus (loans are also issued to citizens of other countries, for which it is enough to have a residence permit, the remaining conditions for issuing a loan can be found out by contacting the branch of the financial institution directly);
• work experience – 3 months at the last (current) place of work, at least.

Required documents

The last thing that is required from the borrower is to provide the employee of the department for working with individuals with a certain package of documents that could confirm not only the identity of the borrower, but also the level of his solvency:

Individual entrepreneurs can provide an extract on bank account or financial report for Last year– these papers will be enough for the assessment financial situation IP. Pensioners will only need to request a certificate from a government agency about the amount of their monthly pension.

Maxim Demchenko

Font A A

BPS-Sberbank offers loans to individuals for consumer needs and education. The bank issues loans both without collateral and with collateral in the form of a deposit, real estate, car or with a guarantee.

BPS-Sberbank issues consumer loans under three programs. The borrower can receive a loan for purchases or education.

“It’s time to act with Sberbank!”

This option is suitable for borrowers who can provide security in the form of a deposit, real estate or transport.

“Learning together”

This loan can be obtained to pay for the education of relatives in the Republic of Belarus. On this moment no credit is issued.

Lending terms

The credit institution issues loans, both without collateral and with collateral or a guarantee. You can provide real estate, transport or a deposit as collateral. Loan conditions vary depending on the purpose and credit rating.

General terms

BPS-Sberbank issues all loans at a rate of 15.8% per annum. The loan rate is floating and depends on the refinancing rate of the National Bank of the Republic of Belarus. The loan term depends on the option chosen. Loan for consumer goals can be issued for up to 5 years. To calculate the available loan amount, you can use the online calculator on the bank’s website.

The client is obliged to pay the loan according to the schedule established by the bank. For violation of repayment terms credit organisation takes a fine. The amount of the penalty is 0.3% of the amount of debt on interest for each day of delay and 10% of the amount of debt for the body of the loan.

Features of providing a loan

The “Learn Together” loan is issued in the form of a non-revolving credit line. The maximum loan amount under a training agreement is BYN 50,000. A prerequisite for obtaining this loan is the presence of one or two guarantors.

The bank sets a minimum loan rate for clients who have insured against an accident or serious illness. ComPass cardholders can apply for a loan on similar terms. various categories who sent loan application through the Sberbank Online or Partner Online systems.

Requirements for the borrower

BPS-Sberbank imposes requirements on the client’s age and citizenship. In addition, having a permanent place of residence and employment is important. It is desirable that the borrower has a positive credit history.

General list of requirements for potential borrowers:

1. Age - from 18 years to 65 years.
2. Citizenship - a citizen of the Republic of Belarus who has a residence permit and permanently resides in the territory of the Republic of Belarus.
3. Availability of registration on the territory of the Republic of Belarus.
4. The minimum length of service at your last place of employment is at least 3 months.
5. Officially confirmed income in the territory of the Republic of Belarus.
6. Borrower category: working or retired.

Required documents

To make a decision on issuing a loan, BPS-Sberbank requires the client to confirm social status. When applying for a loan, you will definitely need documents confirming citizenship and income information.

Mandatory

The list of mandatory ones includes:

1. Passport of a citizen of the Republic of Belarus or residence permit.
2. about income for 3 months (amount of pension received, income of individual entrepreneurs).

Additional

List of additional documents:

1. Military ID for men of military age.
2. For non-cash transfers - an invoice and/or a sales contract.
3. Training agreement.

The bank may request other documents if they are required to make a decision. This could be a certificate of ownership, an insurance policy, or a document confirming additional income.

Design methods

You can submit a loan application in one of two ways - via the Internet, by submitting an online application, or by visiting a bank branch.

Through the Internet

A loan application can be quickly submitted on the BPS-Sberbank website. To do this you need to select credit product and click on the “Online application” button. Next, you need to select the type of product and fill out the fields of the questionnaire. To submit an application, you need to click “Send to Bank”.

BPS-Sberbank will review the request and report a decision within 2 days.

In the office

To find out where the nearest branch of BPS Bank is located, you need to follow the link “Branches and ATMs” in the header of the site. If you specify a city and select the “Divisions” tab, the service will show the nearest branches on a map or in a list.

Methods of obtaining

Get consumer loan at BPS-Sberbank you can only use non-cash payment. The credit institution issues it in a lump sum, transferring:

• to a card account opened at a bank;
• to the account of a third party.

If you need to get cash, you can withdraw it from a card or bank account. The commission for cash withdrawals in other currencies is 1.5%.

For the “Let's Study Together” loan, the bank opens a non-renewable line of credit. After the educational organization issues an invoice for the period of study, you can pay for your studies using loan funds.

Repayment methods

BPS-Sberbank requires repayment of the loan amount and interest within the time limits established by the schedule. To pay off your loan on time, you need to choose the right repayment method.

No commission

With commission

You can choose any of these options convenient way repayment of a loan from BPS Bank, suitable in terms of term and cost. It is important to remember that for late payment, the credit institution charges penalties.

BPS-Sberbank offers several consumer loans to individuals. Each product is suitable for solving specific financial tasks. Program “It’s time to act with Sberbank!” helps you quickly get the required amount for a purchase. With a “Classic” loan you can get a large sum on bail. If you need money for education, it is convenient to apply for a “Learn Together” credit line.