Consumer loans: Sberbank offers good conditions

The service of providing loans to the population is developing rapidly. In the media, you can regularly hear or see ads with beautiful promises of loans at zero percent. In practice, this is extremely rare, only if the manufacturer of a particular product or service is prepared to pay interest on loans from his own pocket, purely for the purpose of increasing sales. In all other cases it is a question of standard bank credits on which it is necessary to pay percent. An exception can be only privileged periods of time, determined by the conditions of special promotions.

If we talk about loans to the population offered by financial institutions, then basically the following types are distinguished: mortgage, car purchase and consumer credit. Sberbank provides all kinds of similar services, and the last of the listed is discussed further in the article.

First, you need to decide what you can use for such loans. They can pay for repair of housing or cars, purchase of household appliances and even travel, that is, the purpose of obtaining it can be any. For all these needs you can take a consumer loan. Sberbank offers several programs at once.

In standard packages, you can get a loan of up to 3 million rubles, but in this case you will need a guarantee from other individuals. In case of his absence, you can count on an amount not more than one and a half million. Traditionally, the minimum stake is in foreign currency for existing customers (for example, participants in payroll projects). Debt can be paid up to five years, and you can take it in rubles or foreign currency.

Consumer loan - Sberbank and special programs

Lower interest can be paid in the event that the potential borrower has real estate, which he can leave as security. Their magnitude will not exceed the level of 14.5% per year. In doing so, you can "borrow" a very substantial amount (up to ten million rubles) and spend it on anything.

Those who need money for education (secondary, higher or additional), there are several reasons to pay attention to Sberbank. "Consumer credit for training" is distinguished by more favorable conditions. The interest rate is lower than for standard loans, and the maturity is increased to 11 years.

Another loan program, through which it is possible to pay for their education, works with the involvement of the state subsidy. The maximum loan amount does not exceed the cost of training, and you can pay off within ten years after its termination. Interest on the loan "floating", vary depending on the size of the refinancing rate. In any case, their magnitude is significantly different in the smaller side and at the moment it is just over five percent. It is a pity that you can get money only to pay for education in an educational institution that has been accredited for participation in this program.

Consumer loan - Sberbank and other lenders

If you compare this financial institution with others - similar and offering similar services - you can note its following advantages:

• Sufficiently loyal conditions for the borrower;
• Relatively low interest;
• Transparent payment schemes;
• Absence of commissions.

Those who need a quick loan, and there is no evidence of income, the road to Sberbank is closed. Such loans are better to look elsewhere, while the interest rate on them will exceed twenty per cent per year.

Thus, in the event that it is necessary to obtain a consumer loan, Sberbank offers quite interesting conditions. The borrower will only have to confirm his income, collect the necessary documents and wait for some time, during which his application will be considered.