Sberbank loans to individuals

Sberbank is a Russian bank with an extensive branch network in all regions of the country. It features attractive consumer lending conditions. You can use Sberbank loan products to buy or build housing, purchase a car, pay for training, for personal needs.

We characterize the loans that Sberbank gives to individuals.

Studying on credit

Educational loans from Sberbank are issued to pay for education in institutions of primary, secondary, higher and additional education. For these purposes, you can receive any amount not exceeding 90% of the cost of training for up to 11 years. The rate will be 12% per annum, and during the training period there is a delay in repayment of the main debt. A student can enter into a loan agreement from the age of 14 years with the involvement of co-borrowers and guarantors - relatives with sufficient solvency.

Sberbank is participating in the provision of mortgages for education with state support. The subsidy from the budget for compensation of interest reduces the interest rate to 5.06% per annum, and the loan amount fully covers the cost of paying for education. The borrowing term is 10 years longer than the training period.

A car is not a luxury

Changing your personal car for a new one or buying the first car with the help of Sberbank is not difficult. He offers loan programs to buy used cars and cars without mileage directly in the car dealerships. For five years, loans of up to 5 million rubles are granted, not more than 85% of the cost of the selected car at a rate of 14.5-25% per annum. Buy a Chevrolet Cruze on credit will be in two to three hours.

A number of partnership agreements between the bank and the largest domestic and foreign automotive companies allow the borrower to use a car loan at minimum interest rates and additional benefits. Automakers compensate part of the cost of paying interest with a discount on the cost of the car, as a result, the loan costs 10-15% per annum.

Own housing

Mortgage loans are issued to individuals to purchase an apartment in a new building, in the secondary housing market, to pay for an individual country house. The down payment is 10% of the cost of housing or 15% of the planned construction costs. Sometimes there is a preferential interest rate - 10-12.5% per annum, construction money is issued at 13.5% per annum.

A special program of mortgage lending is also offered, which allows you to get government support and take advantage of the reduced rate, as well as spend maternity capital to repay the loan. Refinancing of housing loans obtained from other banks is carried out at 13.25% per annum. On credit you can buy a garage or a country house at 13-15.5% per annum. The overpayment is small if you repay the loan quickly.

Consumer Cash Loans

Cash loans for any purpose can be spent at your discretion. It is proposed to receive them from Sberbank on various conditions, depending on collateral.

Unsecured issues up to 1.5 million rubles for 5 years at 17-22.5% per annum, with the guarantee of another individual - up to 3 million rubles at 16.5-24.5% per annum. When pledging immovable property owned by the borrower and co-borrowers - up to 10 million rubles, but not more than 70% of the value of the property being pledged for 7 years at 14.5-15.5% per annum.

For owners of personal subsidiary plots, a special lending program has been developed, according to which you can get a consumer loan of up to 300 thousand rubles for 2 years or up to 700 thousand rubles for a period of 5 years. The loan rate is 14% per annum. Funds can be spent on the purchase of vehicles, land, agricultural animals, seeds, seedlings and other purposes for the development of private household plots.

Existing customers who receive a pension or salary in an account with Sberbank do not need constant registration in the region of applying for a loan. Sberbank provides this category of borrowers and other privileges: reduced interest rates, high speed of processing an application, and minimum requirements for a package of documents. An application left through the personal account of the Sberbank-Online service on the bank’s official website gives a discount to the interest rate of 0.5% per annum, as well as a positive credit history.