Loan from Sberbank for individuals – unique opportunity Don’t put off your long-awaited purchase until tomorrow, buy equipment, a car or a trip and please your loved ones. This is one of the most accessible and simplest methods to get the missing amount if there are a few days left until payday.

In 2016, Sberbank of Russia developed a wide range of loan products for flexible conditions. Every borrower can choose a convenient option for themselves.

Sberbank consumer loan: interest rates in 2016

Today the bank offers to apply for a loan for any purpose: from Sberbank, car loans, purchasing housing on the primary and secondary market.

Favorable conditions and promotions also apply to consumer loans. Let's consider their features and advantages in 2016 for individuals:

• possibility of registration without guarantors or collateral;
• permissible amount – up to 1.5 million rubles. or 10 million rubles. with collateral;
• no hidden fees or fees for processing an application;
• the opportunity to issue a personalized credit card with a limit of 200 thousand rubles. or MasterCard card Credit/Visa Credit Momentum with a permissible limit of 150 thousand rubles. if the application is approved.

Today on special conditions and shares can be calculated by salary clients and individuals who receive a pension from Sberbank:

Today, Sberbank of Russia has developed four types of consumer loans:

The name of the program	Maximum allowable period of provision	Minimum interest rate	Maximum amount(rubles)
Consumer without security	5 years	15,9%	1500000
Secured by a non-purpose real estate property	20 years	15,5%	10000000
Consumer guaranteed	5 years	14,9%	3000000
Loan for military personnel who are members of the NIS	5 years	16,5%	500,000 – without collateral 1,000,000 – when attracting guarantors

What is the interest rate on a loan from Sberbank today?

In 2016, Sberbank consumer loans became very popular. A relatively low percentage, prompt processing of applications, the availability of shares and the absence of hidden fees make these programs in demand among the Russian population. Also today Sberbank positions itself as.

Conditions and interest rates of a consumer loan without collateral

An unsecured consumer loan will be the best option for those who need borrowed funds in the shortest possible time. Conditions of this banking product:

• The purpose is not intended.
• Currency – ruble.
• The minimum loan amount is 15,000 rubles, for territorial branches of Moscow this limit is 45,000 rubles.
• The maximum allowable amount is 1,500,000 rubles.
• The term for which borrowed funds are provided is from 3 months to 5 years.
• Interest rates depend on the characteristics of the potential borrower. For example, an individual receiving a pension or salary from this organization can count on a rate of 15.9 percent, and a person who is not a bank client can take out a loan at 16.9 - 23.9 percent.
• The time for consideration of the application after submitting the full package of documents is 2 business days (but it can be increased individually for a more detailed study of the credit history and other indicators).
• Possibility to apply for individuals in 2016 online. To do this, you need to register in the Sberbank-online Internet bank.

Having registration in your passport is an important requirement today. If the registration is temporary, a loan for individuals can be issued for a period that does not exceed the duration of this registration. But if the client receives a pension or salary in 2016 from this bank, this requirement is optional.

Consumer loan with guarantee

Attracting guarantors makes it possible to maximize the term of provision borrowed money, increase the loan amount and reduce the interest rate. Since the bank faces a reduced risk of non-return of money by involving third parties, the conditions are more flexible and loyal:

• The purpose is not intended.
• The minimum loan amount is 15 thousand rubles. for regions and 45 thousand rubles. for residents of Moscow.
• The maximum amount of debt is 3 million rubles.
• The acceptable processing time for individuals in 2016 is 3-60 months.
• Payment additional services for issuing borrowed funds - 0 rubles.
• Surety – individuals - citizens Russian Federation(no more than two people).

The number of guarantors who are involved as security depends on total amount loans and income level of these individuals. The same requirements apply to guarantors as to borrowers.

If the borrower is 18-21 years old, he is mandatory You need to attract guarantors - parents (one of the parents).

Interest rates for individuals in 2016 range from 14.9-22.9 percent.

Loan terms for military personnel

In 2016, a special line of loan programs was developed for individuals - military personnel who are participants in the savings mortgage system.

Today the loan is provided under the following conditions:

1. Purpose – non-targeted, can be used as an additional payment for housing taken on a mortgage.
2. Currency – ruble.
3. The maximum allowable loan amount is 500 thousand rubles. The loan can be increased if you attract guarantors. In this case, the loan amount will be 1,000,000 rubles.
4. The rate is 17.5 percent for registration without guarantors and 16.5 percent when securing a loan.
5. The minimum loan amount in 2016 is 15 thousand rubles. for regions and 45 thousand rubles. when registering in the territorial divisions of Sberbank of Moscow.
6. The maximum amount for individuals is 1 million rubles, the total debt on loans of any type should not exceed 3 million rubles.
7. Duration – 3-60 months.
8. The cost of services for reviewing an application is 0 rubles.

Loan for people who run subsidiary farming

Personal subsidiary farming (LPH) does not belong to the sphere of entrepreneurship. It is the production, cultivation and processing of agricultural products on your own or rented plot for own needs, providing food for your family.

Today, the Government's policy is aimed at increasing the social standards of the population. The instruments of such a policy are banking system, while the main methods are implemented through Sberbank - commercial Bank with state participation. In addition to helping subsidiary farms, it is possible to take advantage of.

Today, loans for individuals who run private farms are based on reimbursement of a share of the cost of paying interest on the loan through subsidies. The subsidizing process is carried out using budget money.

Terms of registration:

• Purpose – target.
• Currency – ruble.
• The acceptable period is 3-60 months.
• The allowable amount for individuals in 2016 depends on the timing. If the loan is issued for a period not exceeding 2 years, the loan size will be 15-300 thousand rubles. for one private household plot. If the borrower wants to take out a loan for a period of 2 to 5 years, the amount will increase: 15-700 thousand rubles. for one private household plot.
• The rate is 21 percent.
• It is possible to attract guarantors as security.
• There are no commissions or hidden fees for the registration procedure.

A loan for individuals running private household plots can be obtained in any region of the Russian Federation, except Moscow.

Sberbank: promotions on loans in 2016

Behind last years against the backdrop of growing competition between financial and credit organizations, the bank is trying to increase its customer base and organizes various promotions, providing profitable offer. All of them are pleasant and relevant for existing and potential clients, accompanied by reduced interest rates, an increase in the permissible limit, and more favorable conditions in general.

“Rates are lower - dreams are closer” is the slogan about consumer loans for individuals today. Sberbank loans are provided at reduced rates (from 14.9 percent to 15.9 percent without collateral), do not require lengthy collection of documents, are issued in the shortest possible time and provide the opportunity to take advantage of favorable conditions:

Loan repayment today is carried out according to annuity scheme. The loan is provided in national currency. The permissible loan amount, terms and interest are determined for each borrower individually. In this case, the bank has the right to refuse to provide borrowed funds and use of shares without specifying the reasons for such a decision.

General terms of lending at Sberbank

The general requirements, as in 2016, are quite strict and require a careful and responsible approach.

Take credit funds possible after confirming the application and signing an agreement between the bank and the individual – the borrower. Cash can be issued in a single payment or in installments according to the terms of the agreement. The funds are used for any purpose and can be spent at the borrower’s discretion.

Requirements for the borrower

• age range – from 21 to 65 years;
• official employment is mandatory, at least six months at the current place of work and more than one year of work experience over the last five years;
• for individuals receiving a salary or pension from Sberbank, the conditions are slightly softened: you must work at your current place of work for at least three months; The work experience over the past five years must be at least six months.

Requirements for special groups of borrowers:

• in order to take consumer loan military personnel must be a participant in the savings mortgage system; the borrower must apply to participate in the “Military Mortgage” or already be one;
• In order to take out a loan to individuals who run personal subsidiary plots, it is necessary to add an extract from the business book on the registration of private household plots to the main package of documents.

Documents for obtaining a loan at Sberbank

In 2016, individuals who wish to take out a loan from Sberbank must prepare documents for obtaining a loan:

1. application form according to the established Sberbank template;
2. personal identification document – ​​passport of a citizen of the Russian Federation;
3. Availability permanent residence on the territory of Russia (temporary registration is allowed, but the loan period should not exceed the expiration date of registration);
4. document confirming solvency (from the place of work for the last six months) - the requirement does not apply to salary clients and persons receiving a pension from Sberbank;
5. an extract from the business book on the accounting of personal subsidiary plots (for obtaining the appropriate loan);
6. certificate of passage of an individual military service for consumer loans to military personnel.

How to get a loan

To apply for a loan, you must contact territorial office Sberbank. If you have any questions during the preparation process, you can call toll free hotline, and the consultant will answer all your questions. Salary clients today do not have to visit a Sberbank office; they can fill out a form and submit an application online.

During your visit to Sberbank, you need to fill out a form in the prescribed form(a sample will be issued by a Sberbank employee) and provide all documents.

How long do you need to wait? The application will be reviewed within 2 working days, and the employee will announce decision. For salary clients, the time to review the questionnaire is about 2 hours.

The decision will be influenced by the required amount, terms, solvency of the borrower, his seniority, income level.

Specialists pay particular attention to credit history when analyzing an application. If the borrower previously took out a loan and successfully repaid it, without any delays, debt, or litigation, the likelihood of the application being approved is high. You can do it online without leaving your home. All you need for this is an Internet connection.

Advice: in order to find out your credit history, you can use free online service V personal account many banks or go to the credit bureau website.

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Compared to others major players financial and credit market, Sberbank has many competitive advantages for its clients: a wide range of credit programs, loyal conditions, low interest rates, no hidden fees. Attracting guarantors makes it possible to take out a loan for more favorable conditions. At the same time, individuals receiving pensions and salaries from this bank can count on quick consideration of the application (within 2 hours) and the possibility of lower interest rates.

In contact with

After the head Central Bank announced plans to reduce the base interest rate, the head of Sberbank German Gref also announced that in 2016 the rate for obtaining a loan will be reduced. It will be possible to submit an application for a loan both in the national currency - the ruble - and in foreign currency.

The bank plans to offer and issue ruble loans at 13.5%, and European currency at 11.5%. The good news is that the loan term will be extended by 7 years.

Consumer loan Sberbank interest rates in 2016

If you decide to take out a loan in 2016, you can calculate interest rates. It is important to know which offers are relevant. There are a wide variety of types of loans for different categories of clients.

On this moment, there are about 5 loan programs in which you can take part. We will describe their conditions, as well as how to carry out monthly calculations.

1. No collateral. The offer allows today to make registrations ranging from 15 thousand rubles to 1.5 million. At the same time, the interest rate will be high - 17.5%.
2. Loan with a guarantor. Opens up new opportunities for the client - the rate is reduced to 16.5 per annum, and the loan amount can reach 3 million rubles.
3. Owners of their own farms. You can get 300 thousand rubles for 2 years. Annual percentage increased to 22.5%.

How to take: condition

In order to receive money in interest-bearing loan, you must comply with the special requirements established by the bank. So, let's list some of them:

• 21 years of age at the time of application.
• The age for repayment of the debt must be 65 years at the end of payments, including 75 years if there is a guarantor and collateral.
• Residents of the country with official registration can count on a loan.

Once a program is selected, you can calculate how much the debt will cost each month.

Sberbank interest rate on consumer loans 2016

Consumer loans have become a part of the life of Russians. Cash or card loans are very popular. In 2016, offers will delight customers, offering loans both with and without collateral. You can get a loan in rubles, and it is also possible to get refinancing of loans that were received from other banks. The interest rate will fluctuate around 14.50% per annum in rubles. The maximum amount of a consumer loan will be 3 million rubles for a period of up to 5 years.

Sberbank loan calculator consumer loan 2016: how to calculate the interest rate

A consumer loan is great opportunity make a purchase for urgent needs:

• Buy a house or apartment.
• Car repair and purchase.
• Emergency trip.
• Investment.

Don't miss out on the promotions and the chance that some people may get once a year. Having chosen the product that is convenient for you, you can use loan calculator. It is he who helps to pre-calculate monthly amount payments. Receive an approximate payment schedule to calculate your capabilities and strengths.

Sberbank offers a transparent lending scheme, therefore, everyone can see the start and end dates of payments, payment schedule, etc.

For payroll clients

The opportunities for salary card holders are great. Thus, a consumer loan will open the following range of services:

• Access to your money around the clock.
• Payment for goods in the country and abroad.
• Special terms of service.

For pensioners

The current promotion and offer from Sberbank for pensioners is the “Golden Years” program. It includes various offers that are designed specifically for this category of people. So, the following advantages will open:

• A convenient way to receive money and pension without waiting in line.
• Making payments using your own money or money borrowed from the bank.
• Increase your contribution on favorable terms.
• Make the necessary purchase when it is convenient.

Citizens of the Russian Federation who receive a pension can use these services. If the pension is received into a bank account, even more opportunities will open up for pensioners.

How will refinancing affect the interest rate?

You can increasingly hear reviews in Lately that banks are pursuing a refinancing policy. For many people, this is the only way to somehow change the situation and change the payment terms. Is there any benefit to refinancing? And for whom is this procedure actually worthwhile?

Refinancing allows you to pay off one loan using another. If a citizen has a loan and is not satisfied with the terms of payment or the agreement, then he can turn to another bank for help, which can reduce the interest rate.

In this case, the borrower does not receive the money in hand. The bank transfers the money to the debtor’s account and covers it completely. So, you can forget about the old debt and start a new life.

To obtain refinancing, you also need to collect new documents, certificates, and a package of documents.

Now there are many loyal lending programs on favorable terms that allow the population to improve their financial situation.

Sberbank is no exception: loans to individuals, the interest rates for which in 2016 are varied, provide bonuses for certain categories of the population and holders of the bank’s salary cards.

Kinds

What types of loans to individuals are offered by Sberbank in 2016?

1. Non-targeted – for any purpose of the borrower.
2. Under the guarantee of individuals.
3. Educational with state support.
4. Loan secured by real estate.
5. For military personnel - NIS participants.
6. Housing loan.
7. Refinancing (repayment of existing debt - one or more by issuing a new loan on favorable terms).

All of the above types differ in the amount and term of the loan, interest rate and are combined general requirements to borrowers.

Conditions of registration

Before writing a loan application, it is important to familiarize yourself with the general requirements for borrowers.

1. Age from 21 to 65 years, with the exception of loans secured by guarantee or real estate collateral. In these cases, the age range expands from 18 to 75 years.
2. Permanent place of work. A certificate confirming employment at the current place for at least 6 months will be required.
3. Documents confirming the client's reliability. These include a total work experience of at least 12 months over the previous 5 years.
4. Financial opportunities to pay off debt. There are no clear income requirements, but this factor is considered when deciding whether to issue a loan.

What documents does an individual need to prepare for a loan from Sberbank?

1. Sberbank application form. The form can be found on the official website or taken from any bank branch.
2. Passport of a citizen of the Russian Federation.
3. A note in the passport about registration in the Russian Federation or a document on temporary registration, which is valid for the entire period of the loan.
4. A document confirming the borrower's solvency for the last six months. Issued in the accounting department of the current place of work in the form 2-NDFL. Those who receive a salary or pension from Sberbank are not required.
5. A copy of the work book with a record that the borrower is currently working in the company.

Terms and interest rates

Important! Interest rates in 2016 will differ depending on the terms and type of lending.

The shorter the debt repayment period, the lower the rates will be. For example, low interest rates will be for Sberbank clients who have chosen a loan with a guarantee.

Surety	Maximum loan term	Bank clients	Not bank clients
Guarantee of individuals	Up to 2 years	14,9%-19,9%	16,9%-21,9%
	Up to 5 years	15,9%-20,9%	17,9%-22,9%
Without guarantee from individuals	Up to 2 years	15,9%-20,9%	17,9%-22,9%
	Up to 5 years	16,9%-21,9%	18,9%-23,9%

Sberbank also offers the following rates for main lending programs:

• consumer without collateral – from 15.9%;
• secured by real estate – from 15.5%;
• when guaranteed by individuals – from 14.9%;
• for military personnel - from 16.5%.

In the Sberbank.Online application, you can use a loan calculator for individuals and find out the exact interest rates.

Features of lending for clients

Sberbank offers pleasant bonuses for its clients.

1. In some cases, only a passport may be required to issue a loan, excluding other documents.
2. Bank clients have the opportunity to submit a loan application in their personal account through Sberbank.Online. There you can read the terms and conditions of each type of loan and fill out a form.
3. Sberbank clients receive a decision on issuing/non-issuing a loan many times faster. If the answer is usually given by bank employees after two days, then the Sberbank card holder can learn about the decision after two hours.

Loan repayment procedure

1. The loan amount is divided by the selected debt repayment period.
2. There is the possibility of early repayment without commissions.
3. In case of late payment, a fine of 20% per annum is imposed daily until the delay is closed.

Sberbank has become not just a bank, but a symbol of the country. No matter what anyone says, this is the most popular and socialized financial institution countries. And it is also popular because it offers the most appetizing credit products, which will be discussed. We want to tell you what Sberbank loans are offering to individuals in 2016, what current clients can expect, and what newcomers can expect.

Thanks to very simple navigation, we immediately see that the bank offers loan programs for the following purposes:

• For any purpose – consumer loan;
• For education;
• For housing;
• To pay off a debt in another bank;
• On the map;
• For charity.

About the most interesting things in order.

Sberbank interest rates on loans to individuals in 2016

Sberbank provides its own conditions and interest rates for all segments of the population. Photo taken from Google.ru

Type of loan	Bid, %	Term	Sum	Security
"Without collateral"	From 17.5 to 27.5	Up to 5 years	15 000 – 1 500 000	No
"By guarantee"	From 16.5 to 26.5	Up to 5 years	15 000 – 3 000 000	FL, but no more than 2
"For military personnel - NIS participants"	From 18.5 to 19.5	Up to 5 years	15 000 – 1 000 000	> 500,000, guarantee
“Non-target secured by real estate”	From 18.5 to 19.5	Up to 20 years	500,000 – 10,000,000, or 60% collateral property	Real estate
"Target secured by real estate"	22,5	Up to 2 years Up to 5 years	Up to 300,000Up to 700,000Max – 1,000,000	Real estate, Surety

Required documents for submitting an application to Sberbank in 2016:

1. Application form.
2. Passport of the borrower/co-borrower/guarantor with registration.
3. Certificate of income and type of employment (work book).
4. Certificate of military service
5. Extract from the household book on the accounting of personal subsidiary plots.
6. Documents for subsidiary farming.

Loan currency: Russian rubles.
Age restrictions: from 18 to 65, from 18 to 75, from 21 to 75 years, depending on the loan.
Experience requirements: from 6 months in the current position and from 1 year in the last 5 years.
Repayment method: in equal shares.
Fine for early repayment: absent, but the bank must be notified in advance
Cash withdrawal fee: missing, or the amount is transferred directly to the account

Loan without collateral

Sberbank loves its clients very much, and therefore for holders of salary and pension cards does not oblige you to comply with all requirements. So, for example, the length of service in a salaryman’s current position is reduced from 6 to 3 months, and the total work experience of a pensioner over the last 5 years from a year to 6 months. Application review period is 2 days.

Loan with guarantee

Due to the possibility of attracting guarantors, this loan is perfect for married couples. Spouses are the easiest to attract as co-borrowers, and given the lack of material security, such Sberbank loans to individuals are in unprecedented demand in 2016. Application review period is 2 days.

Lending to military personnel

As you can see, the interest rate for this loan one of the lowest and does not depend on the term, but in order to receive such bank support, you must be registered with the NIS - the savings and mortgage system. You should also remember that the bank will not agree to financing if you have not simultaneously or previously submitted an application for participation in the “” program at Sberbank.

Most often, the specified 500,000 rubles are used to pay off the down payment on the mortgage, which ranges from 10 to 20%. Considering that providing an amount of up to 500 thousand is not required, this can be considered excellent support for the defenders of our Fatherland. The application review period is 7 days.

Non-targeted loan secured by real estate

All bank clients who wish to receive a non-targeted loan secured by real estate in 2016 from Sberbank will be asked to insure their property and health. If the client refuses the offer, the interest rate increases by 1%. And if you are not yet a holder salary card, then plus another 1%.

We conclude that it is worth thinking in advance about transferring your wages and searching for funds to obtain an insurance policy. Believe me, it will be cheaper this way. The period for consideration of the application is from 2 to 8 days.

This is what it looks like credit rate Sberbank for a consumer loan in 2016. This year does not foretell any major changes. However, if we take into account that secondary housing has been falling in price for three years now, then we cannot count on minimum interest rates.

Targeted loan secured by real estate

The collateral for the loan is the land itself on which the borrower conducts personal farming. If a client who does not have this form of ownership submits an application to the bank, he will be denied financing. Residents of the city of Moscow will also be refused. It's worth taking this into account. The application review period is 7 days. The interest rate is fixed.

Now we have examined in detail the most popular Sberbank loans to individuals. Interest rates for 2016 are not expected to be revised and will remain unchanged throughout the year. The only thing that can influence their weight is real estate prices. Now let's look at other products, such as housing loans, education loans and refinancing programs.

Consumer loan for students from Sberbank

Teaching is credit, and not teaching is darkness. Sberbank supports talented youth and offers incredibly favorable conditions for obtaining secondary specialized and higher education with deferred payments for the entire period of study.

• The amount of funding is 100% of the cost of the college or university;
• The interest rate is 7.75%, the rest is paid by the state;
• Repayment period is up to 10 years.
• No collateral;
• No guarantors;
• Without life insurance;
• No penalties for early repayment;
• Age – from 14 years;
• Repayment in equal installments.

Documents required to submit an application:

• Training agreement;
• Passport;
• Document on permanent or temporary registration;
• Application form;
• Receipt from a college or university for tuition fees.

And if you are under 18, then additionally a birth certificate, passport and written permission from a legal representative.

If you are still wondering where to go for a fabulous sum for higher education, then interest rates on Sberbank loans for individuals in 2016, which hit everything unimaginable government benefits, is your best option today.

Mortgage loans from Sberbank

Let's be brief. Loans to individuals from Sberbank in 2016 for the purchase of new and secondary housing are just as encouraging as loans for consumer needs. Here you will find financing for urban housing construction and country houses, construction with the participation of maternity capital and the program “ Military mortgage».

Type of loan	Bid, %	Duration min and max	Sum of min and max	Contribution and security	Age
« »	11,4 — 12,4	From 1 year to 30 years	From 300,000To 3,000,000 *Up to 8,000,000**	20%, Real Estate, Insurance	21 – 75 years
"Purchase of finished housing"	12,5 – 14	From 1 year to 30 years	From 300,000To 15,000,000	15%,―||―	21 – 75 years
“Purchase of housing under construction”	13 – 14	From 1 year to 30 years	From 300,000To 15,000,000	15%,―||―	21 – 75 years
"Construction of a residential building"	13,5 – 14,5	From 1 year to 30 years	From 300,000 to 75% of the deposit	25%,―||―	21 – 75 years
"Country estate"	13 – 14	From 1 year to 30 years	From 300,000 to 75% of the deposit	25%,―||―	21-75 years old
"Military mortgage"	12,5	From 1 year to 15 years	Up to 1,900,000, or not more than 80% of the collateral	10%,―||―	From 21 years old
« »	From 12.5	From 1 year to 30 years	From 300,000To 15,000,000	From 15%	One of the spouses is under 35 years old

* - for regions, ** - for the capital

As for the documents, everything is standard here:

• Application form;
• Passport with registration;
• Temporary registration document;
• Certificate of income and employment (not always);
• Documents for finished housing;
• Preliminary contract for housing under construction;
• Certificate of participation in the “Military Mortgage” or “Maternity Capital” programs;
• Other receipts and contracts.

As can be seen from the table, home loans pensioners at Sberbank, the conditions for 2016 for which are presented above, are also available. In our country, the retirement age is still 65 years old, therefore any elderly person can contact the bank and have the right to count on its support in construction.

Thanks to its volumes, Sberbank is one of those that took the largest share of government subsidies, which allowed us, dear readers, to make the most delicious offers on the lending market.

Refinancing a loan at Sberbank

Refinancing a loan at Sberbank is a profitable solution

The last thing we will talk about will be of interest to those who are in deep debt trap and has no idea how to get out of it.

Refinancing, in simple words, - redemption of your loan third party bank. Sberbank offers to pay off your debt and get rid of overdue payments by replacing old conditions with new ones.

• Rate from 13.75 to 14.25;
• Amount up to 80% estimated value purchased housing;
• Duration up to 30 years;
• The borrower's age is from 21 to 75 years.

As in previous cases, the loan requires the issuance of a collateral insurance policy. What is new, perhaps, is that the Borrower’s Spouse automatically becomes a co-borrower, regardless of her solvency and age.

Online application

Allows bank specialists to prepare an offer for you before going to the office, answer your questions at a time convenient for you and help you collect the required package of documents.

Having examined the Sberbank website up and down, we can say with confidence that everyone will find here what they are looking for. Targeted and non-targeted loans, with state support and without, in cash and on a card - all this is available right now. We specifically did all the work for you, so that all you have to do is formulate a decision and submit an application.

It is impossible not to notice the bank’s painstaking work on the pension program. Here you will not find any special offers, because any loan is available from 21 to 75 years of age. If you are still looking for loans to pensioners from Sberbank and interest rates for them in 2016, then everything is up to date in our article.

When choosing a bank to apply for a loan, many pay attention to the interest rates on loans to individuals at Sberbank in 2015. Attracts potential clients and the opportunity to receive money for any purpose.

It is planned that the volume of loans issued to individuals by Sberbank in 2015 will exceed all previous indicators. Today, lending to the population is the main activity of the company. Note that the bank is ready to offer its borrowers various offers, which are divided into 4 categories, namely.

1. Consumer loans.

Most often, these are non-targeted loans that can be issued for repairs, travel abroad, purchase of expensive equipment, training, etc. Rates are strictly individual and calculated for each client. The interest starts at 19.5% per year and depends on how much information the client has provided about himself, whether there is collateral, what the loan amount is and its term.

2. Mortgage.

As a rule, to issue it you need to provide a large number of documents. Rates vary greatly, depending mainly on the term and size of the loan, as well as the presence of co-borrowers. Rates start from 12.5% ​​per annum.

3. Refinancing an existing loan with maximum rate at 13.25% per annum.

4. issued at a rate of 25.9% per year.

As we see, individuals have a wide choice in terms of choosing a loan from Sberbank in 2015

Consumer programs

Considered popular non-targeted loans. Sberbank of Russia allows you to borrow money without collateral. Under such a program, you can get a loan in rubles up to 1.5 million, but less than 15 thousand. In this case, the bank will not require guarantors or collateral. Also, money is issued without any commissions for a period not exceeding 5 years.

The minimum period for this is 3 months. The application is processed in only 2 banking days.

If you receive money to an account at Sberbank, then the fee for using the funds will be from 17.5%, depending on the term and other conditions it can be increased to 23.5%. For all others, the overpayment will be at least 22.5%, maximum size– 29.5% annually. But to grant a loan, you must confirm that you have a job and income.

You can also arrange funds for 5 years by taking guarantors. In this case, the bank can issue up to 3 million. The amount of the overpayment will be 16.5-22.5% for people receiving income through Sberbank, and 21.5-28.5% for everyone else.

In addition to the application, passports of the borrower and guarantors, documents are required that can be used to confirm employment and financial condition. In order to increase the amount of funds, spouses can be involved as co-borrowers. Anyone over 18 years of age can apply for a loan.

You can borrow up to 10 million using real estate as collateral. Payments can be extended over 20 years. When applying for such a loan, you can count on very favorable conditions: funds are given at 15.5-16.25%, depending on the term, the required amount and the value of the collateral.

Specified credit program stipulates that the bank can issue no more than 60% of the value of the real estate pledged as collateral. Wherein an initial fee not required.

Military sections of the NIS system can also obtain a consumer loan for special conditions. To do this, they must obtain or apply for a military mortgage through Sberbank. Money is issued in the amount of 500 thousand at 19.5% when drawing up an agreement without guarantors, or 1 million at 18.5% with the provision of guarantors for 5 years.

A different program is provided for owners of private farms. Part of the interest rate on such loans is subsidized by the state. By signing an agreement for 2 years, you can take up to 300 thousand, and when concluding an agreement for 5 years - 700 thousand.

Funds are issued at a fixed interest rate of 24.5 per annum. There are no commissions involved. It is necessary to provide collateral or guarantors as security.

Mortgage

Sberbank loans for individuals in 2015 allow you to obtain not only a consumer loan for any purpose, but also. Separately highlighted program mortgage lending, under which you can purchase housing in a house that has already been built or is still under construction. The loan term is up to 30 years.

You can apply for up to 3 million in Russia and 8 million for Moscow, St. Petersburg, as well as the corresponding areas of these megacities. The annual overpayment will be 11.4%. To conclude an agreement, you must have more than 20% of the required amount on hand.

If desired, you can sign an agreement for 30 years in order to purchase housing on the secondary market. Under the program, you can apply for up to 15 million, but the amount should not be more than 80% of the value of the property. The overpayment is 13-14%. But it increases if you refuse insurance, in the period before registration and if the borrower does not receive money through Sberbank.

Russians also have the opportunity to purchase housing under construction. Initially, you need to deposit 20% of actual cost real estate. The money is given for 30 years, the overpayment is 13-14%, but it can be increased. The client can apply for a loan without confirming his income. However, for this you need to pay half of the cost of housing.
Families have the opportunity to buy housing that is ready or under construction, paying off part of its cost maternal capital. The bank offers special preferential conditions for young families.

The bank also provides the opportunity to build a house using borrowed funds. But you can get up to 70% of the construction cost. This type of mortgage is issued for a period of up to 30 years, the overpayment is 13.5-14.25%.

Other types of lending

Potential borrowers can take out a targeted education loan from Sberbank. With its help you can pay off 100% of the cost of education. The money is issued for the duration of education plus 10 years required to pay off the debt. In this case, a deferment is provided for the period of study. The fee for using funds is 7.06%. But its exact size depends on the established refinancing rates and the amounts that will be subsidized by the state.

In addition, individuals can contact Sberbank to refinance loans taken from other institutions. This allows you to immediately repay your debt to another bank and obtain a loan on favorable terms from Sberbank of Russia. You can refinance both mortgages and conventional loans.