How to arrange a credit vacation at Sberbank in 2021

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

The largest financial institution in the Russian Federation is distinguished by more loyal conditions for granting customers deferrals for existing loans. Find out all the information about credit holidays at Sberbank in 2021, how to apply for and receive a benefit.

What are credit holidays

Credit holidays are understood as the period during which the client is granted the right to reduce monthly loan payments or to be completely exempted from them without charging penalties and fines. The program is based on three principles of work:

1. The company extends the term of the loan agreement, as well as the pledge and surety agreements for a period equal to the loan holidays.
2. The borrower is fully or partially exempted from making payments for a period not exceeding 6 months.
3. Documents confirming a decrease in income must be submitted to the bank within 90 days from the date of application. Otherwise, the grace period is canceled, and sanctions (fines, penalties) are applied to the borrower.

The grace period begins on the day the bank makes a positive decision on the deferral.

How to get a credit vacation at Sberbank

The company offers three options for postponement: individual, partial and full. Detailed conditions are presented in the table below.

Deferral type	Requirements for obtaining	Service cost and conditions for payments during the period of credit holidays	Special conditions
Individual	The main requirement is the borrower's reliability (having a positive credit history, regular use of Sberbank's services, etc.). It is also necessary to submit documents confirming the fact of a decrease in income and temporary insolvency. Most often, the salary clients of the company use the individual program.	The conditions for making payments are established on an individual basis, taking into account the circumstances of the client's insolvency.	The maximum vacation period is 12 months. In this case, the final benefit of the product is also determined depending on individual conditions.
Partial	You can use the service no more than two times during the validity period of the loan agreement. The grounds for granting it may be less compelling than for receiving a full grace period.	The borrower repays interest only. But due to the large commission, the overpayment turns out to be significant.	The service is provided for a period not exceeding 6 months. You can get vacations no earlier than three months from the date of signing the loan agreement. The amount of the overpayment depends on the size of the loan.
Full	It is necessary to provide the creditor with documentary evidence of temporary insolvency.	During the grace period, a small penalty fee and interest is charged, which can be paid at the end of the vacation.	The service is provided no more than once during the validity period of the loan agreement. The duration of the credit vacation is no more than three months. The specified period is not added to the main payment date, and the creditor distributes the lost amounts between the remaining months, thereby increasing the amount of the monthly payment.

Who can count on credit holidays

To take advantage of the credit holidays from Sberbank, you must meet certain requirements.

Loan size

According to the legislation of the Russian Federation, the maximum loan amount that allows you to count on a deferral should not exceed the following values (in rubles):

• consumer loans (for individuals) - up to 250 thousand;
• consumer loans (on general grounds) - up to 300 thousand;
• by credit cards (for individuals) - up to 100 thousand;
• auto loan - up to 600 thousand;
• mortgage - up to 4.5 million.

Income level

Borrower's taxable income has decreased by more than 30% compared to the average earnings over the past year. Documentary evidence is required.

Also, at the time of applying for a deferral, other grace periods (vacation for housing loans, for example) should not be activated.

Interesting! Loan amnesty in 2021 for individuals

Required Documentation

The postponement is made on the basis of the following documents:

1. Certificates of income and deductions to the Federal Tax Service. The form of the document is approved by the federal executive authorities exercising control over the observance of tax legislation.
2. A bulletin received in accordance with the legislation of the Russian Federation on compulsory social insurance in connection with the birth of a child or in the event of temporary disability for a period of at least 30 days.
3. Extracts from the Center for Employment of the Population on the registration of a citizen as an unemployed person.

How to arrange a credit vacation at Sberbank

You can apply for a credit vacation at Sberbank in 2021 both when visiting a territorial branch and remotely. If the second option is chosen, you need to go to the official website and fill out the appropriate form, which indicates:

1. Personal data (full name, date of birth, series, borrower's passport number) and a digital copy of the identity document is uploaded.
2. Place of the loan. If there is no required settlement in the drop-down list, the nearest city where the loan is issued is indicated.
3. E-mail address.

Then the client chooses the type of loan (educational, automobile, consumer, mortgage), specifies the number and date of signing the loan agreement, the amount.

At the next stage, it is necessary to indicate the reasons for applying for a delay, upload the required documents, fill in the remaining items, based on the specific situation.

After sending the application, an employee of the company will contact the client and coordinate further actions to arrange a credit vacation.

You can leave an application to change the conditions for existing loans (except for credit cards) with a phone number, by which a Sberbank employee will contact the borrower and help to work out the best solution.

Outcomes

Sberbank offers full or partial deferred payments for all types of loans - automobile, mortgage, consumer. Only borrowers who meet the established requirements can apply for a credit vacation. The application is submitted both at the bank's office and remotely (through the official resource of the company).