Sberbank loan conditions in 2021

2024 Author: James Gerald | [email protected]. Last modified: 2024-01-18 00:05

Sberbank is the largest financial institution in the country, increasing lending volumes every year. In 2021, the company offers a wide range of loans for individuals, which can be used on the most favorable terms and at a low interest rate.

Types of loans in Sberbank

The bank offers several lending programs designed for both individual groups of borrowers and the mass consumer.

Loan for any needs without collateral

It is popular with the population, although it is the least profitable loan for the client. The funds received can be used for any purpose without submitting a report to the lender.

For registration, a minimum set of documents is required, and a solution can be obtained as soon as possible. The bank is ready to lend to the borrower in the amount of 30 thousand to 5 million rubles, the term of the loan agreement is 3-60 months. The interest rate corridor is quite wide: the difference between the maximum and the minimum reaches 8%.

A more advantageous offer can be used by holders of salary cards, which are credited for an extremely short period of time and at the same time request an amount of more than 1 million rubles by making an application through Sberbank Online.

Program	Loan amount, rubles	Loan term, years	Bid, %	Special conditions
For any purpose	Up to 5 million	Up to 5	From 11, 9	Without collateral Proof of income required Application consideration period - up to 2 days
Consumer loan secured by real estate	Up to 10 million	Up to 20	11, 8
Refinancing	Up to 3 million	Up to 5	11, 9
Educational loan	From 10 thousand	16 years and 3 months	8, 5	Without collateral and proof of income Consideration period - up to 3 days
Loan with a guarantor for pensioners and youth	Up to 3 million	Up to 5	12, 9	Security and proof of income required Consideration period - up to 2 days
Personal subsidiary farm	Up to 1.5 million		17
Loan for any purpose without proof of income	Up to 300 thousand		From 12, 9	Without collateral and proof of income Consideration period - up to 2 days

Mortgage in Sberbank

The mortgage from Sberbank is represented by different types of lending programs, created taking into account the wishes and capabilities of the client. In 2021, the company's borrowed funds can be used both for the purchase of an apartment in a new building and for the purchase of housing in the secondary market. In addition, there are proposals that will suit citizens who want to buy a private house and even a garage.

The lowest rates are offered when concluding a mortgage agreement under the state support program, as well as mortgages for families with children. The interest rate indicated on the bank's website is only the minimum value.

After reviewing the questionnaire of a potential borrower, the bank sets a personal loan rate, which will be determined depending on the following conditions:

• the presence of joint borrowers (co-borrowers);
• work experience, age, employment of the client;
• whether he or she uses the "Safe Settlement Service";
• whether he receives salary on a card or on a personal account opened with Sberbank;
• characteristics and type of the acquired property;
• availability of appraisal report and real estate insurance;
• presence of minor dependents and marital status;
• level of income per family.

The presence of family capital, as a rule, does not affect the interest, but the size of the initial payment may depend on this. The table below shows all types of mortgage loans offered by Sberbank.

Program	Amount, rubles	Loan term, years	Bid, %	Minimum contribution,%	Special conditions
Military mortgage	Up to 3 million	Up to 25	From 8, 4	15	Without proof of income Age - from 21 to 45 years old Consideration period - up to 3 days
Mortgage with state support	Up to 12 million	Up to 20	6, 1		Age - from 21 to 75 years old Consideration period - up to 3 days
Parking place / garage	Up to 30 million	Up to 30	From 8, 5	25
Far Eastern mortgage	Up to 6 million	Up to 20	2	20	Age - from 21 to 36 years old Consideration period - 1-8 days
Mortgage with state support for families with children	Up to 12 million	Up to 30	From 4, 7	20
Acquisition of housing in a house under construction	Up to 100 million		From 7, 6	10	Age - from 21 to 75 years old Consideration period - up to 3 days
Refinancing	Up to 7 million		7, 9	_	Age - from 21 to 75 years old Consideration period - up to 3 days No commission
country estate	Up to 100 million	Up to 30	From 8	25	Age - from 21 to 75 years old Consideration period - up to 3 days
Purchase of finished housing			From 7, 3	10
Mortgage for participants of the renovation program			From 7, 9	20	Age - from 21 to 75 years old Consideration period - up to 3 days
Residential building construction	Up to 30 million		8, 8	25	Age - from 21 to 75 years old Consideration period - from 2 to 8 days
Turnkey own house	Up to 5 million		8, 4	15	Age - from 21 to 75 years old Consideration period - up to 3 days

Loan in Sberbank for retirees

In 2021, pensioners face quite strict requirements due to their age and the increased risk of obtaining bad loans. The company is more loyal to persons receiving pensions and other social payments to a card or account with Sberbank.

According to the terms of the program, the total length of service of the borrower over the past 5 years must be at least six months, at the current place of work - more than 3 months. The borrower's age is limited to 70 years if the loan is provided without a guarantee.

With the involvement of a guarantor, the permissible age increases to 80 years, and the interest rate decreases. Pensioners under the age of 75 can also use borrowed funds if they transfer the collateral to the lender.

Loan products for retirees

Persons on a well-deserved rest can apply to the bank for one of the following loans:

• secured by real estate;
• an unsecured loan on standard terms (for those who receive payments to a bank card);
• citizens engaged in the conduct of personal subsidiary plots;
• a loan secured by individuals or without it.

Loan on general terms

This type of loan is available to pensioners who do not receive payments to a card or account in the bank in question. This category of citizens can expect to receive a consumer loan in 2021 on a general basis. At the same time, the rate will be higher, and the amount is lower compared to loans provided to salary clients.

Loans for holders of salary cards

Persons receiving social payments to a Sberbank card are considered salary clients and can take advantage of loan offers on more favorable terms: at a reduced interest rate and with an increase in the amount up to 5 million rubles.

Credit for retirees with a guarantor

The product differs from other programs in that quite elderly people - from 60 to 80 years old - can get it. The main requirement is the presence of a solvent guarantor (only an individual) at the age of 21-70 years (the last criterion refers to the moment of repayment of debt obligations).

The loan is issued at the bank's office, which is convenient for pensioners, since not all of them own a computer. The funds will be credited to the bank card (if not, they will be issued immediately).

Loan secured by real estate

Older people under 75 years of age can receive funds. The property owned by the borrower is provided as collateral: an apartment, a garage or a house. Such a loan is an alternative option for a mortgage loan without a down payment.

Loan to pensioners with private household plots

The main condition is the presence of a personal subsidiary farm, on the development of which the funds received can be spent. True, the rate for this type of lending is quite high and is not suitable for all retirees.

Program	Bid, %	Loan amount, rubles	Loan terms	Special conditions
Consumer credit	For salary clients - from 12, 9	30k - 3M	Up to 5 years	Surety required
	For the rest - from 13, 9
Loan secured by real estate	From 11, 3	500k - 10M	Up to 20 years	Bail required
Loan to pensioners with private household plots	17, 0	30k - 1.5M	Up to 5 years	Surety required
Loan for payroll clients	From 12, 9	30k - 5M		No collateral required
Loan with the involvement of guarantors	For salary clients - from 12, 9	30k - 3M		Surety required
	For the rest - from 13, 9
Loan on general terms	From 13, 9			Without collateral

Summarize

1. Sberbank offers a wide range of loans to individuals, including consumer loans, mortgages and refinancing.
2. Any citizen of the Russian Federation, including a pensioner, can use borrowed funds.
3. Loan conditions differ depending on the status of the borrower, age and availability of high-value property.