Consumer loans of Sberbank of Russia

Sberbank of Russia at the moment is one of the most stable banks in the country. He experienced with dignity the hard years of the crisis, when financial institutions became bankrupt every day. What turned out to be disastrous for some, allowed others to become stronger and stronger. Consumer loans to Sberbank at the moment are one of the most profitable programs. They enjoy with pleasure a huge number of citizens of our country.

Consumer credit programs have an extremely wide range of applications. Within their framework, the borrower can take the amount from 30 thousand to 10 million rubles for a period of 3 months. Terms, interest rates and the size of the money supply directly depend on the number of documents and guarantees provided to the financial institution. Consumer loans to Sberbank can be issued both in the presence of one passport, and with a surety and collateral object.

Loan procedure

To obtain a loan, you must provide the following set of securities to the financial institution:

• A valid passport of a citizen of the Russian Federation with mandatory residence registration in the immediate vicinity of one of the branches of the Savings Bank;
• The second official document confirming the identity of the borrower;
• Guarantee - allows to increase the maximum amount of money to 3 million;
• Collateral object - allows you to take consumer loans from Sberbank in the amount of up to 10 million.

The Surety

This is a special type of transfer of guarantees to a banking organization by a third party. It does not take a loan, but undertakes, in case of a violation of the payment regime, to assume full responsibility and resume the service of the credit program. Consumer loans to Sberbank require mandatory availability of a signature of the guarantor to receive amounts in excess of 1.5 million rubles. This option also allows you to significantly reduce the interest rate.

Mortgage object

They are called any value, passing into the ownership of the bank in violation of the contract. To date, the most popular collateral objects are real estate and vehicles. In the case when the car is a pledge, it can replace the guarantee, which will allow to issue a consumer loan. Sberbank, the interest rate in which the most loyal, willingly lends to those who leave their car as a guarantee of payment. In some cases, the owner can even take the car with him, pre-insuring it and installing a special GPS sensor.

Those who decided to issue a consumer loan, Sberbank, whose calculator can be found on the main site, will always provide all the necessary information on the clauses of the contract and maintenance program. To do this, it is enough to visit the nearest branch of this financial institution or go to its official website on the Internet. You can receive this type of loan for a period of 2 hours to 5 days, depending on the program conditions and the required amount of money.