How to make a loan in Sberbank in cash

One of the most popular banking programs to date is a loan from Sberbank in cash. It is possible to receive such a loan immediately in any branch of this state financial organization. The amount of consumer credit varies in a wide range: from 30 thousand to 10 million rubles, depending on the guarantees and a package of documents.

What is consumer credit

This type of lending involves obtaining funds to meet some of the client's needs. It is usually represented by a large number of different programs. By general features, cash loan in Sberbank can be attributed to one of two categories:

1. Trust - when the finance is allocated by the banking organization to achieve a specific goal specified in the contract. This can be overhaul, education or medical care, a trip to rest and so on. When such a loan is issued in the Savings Bank, it is not always possible to receive cash in cash . The fact is that the bank has the right to control the spending of allocated money and to monitor for what purposes they were launched. Within the framework of the agreement, he can immediately transfer funds to the account of the final company providing the paid service: to a polyclinic, college, university, construction company or hotel where the client will spend his vacation.
2. Non-purpose - when a loan in Sberbank in cash is simply issued to the borrower. After that, the bank only requires timely payment for the maintenance of the program. Interest on it is slightly higher than for a targeted loan, but the borrower is free to dispose of the funds received and spend it at will.

Obtaining milder conditions

To reduce the overall interest rate on the loan and get a better loan in Sberbank in cash, the financial institution should provide the most comprehensive package of documents and guarantees, which includes:

• The passport of the citizen of Russia;
• The second official document, which can confirm the identity of the borrower;
• A certificate from the place of work with an indication of the length of service;
• A certificate of income level for the last 6 months;
• Bail;
• Collateral object.

Sberbank - application for a loan in cash

The formalization of the contract in any bank begins with the filing of some documents. First of all, you need to fill out a special application, in which you can indicate the purpose of obtaining the loan and the attached documents. You can get the corresponding form both in the nearest branch of this state credit organization and on their main website on the Internet. After filling the paper should be sent to the bank manager for consideration and wait for the verdict. In the case of an online application, the answer will be received within a few hours in telephone mode. To complete the transaction, the borrower will be asked to report to the bank, where after a short interview and studying the original documents he will be asked to sign the contract. It is worth remembering that even after the initial approval, the bank may refuse to issue money after studying the given securities. Therefore, in order to obtain a loan, you need to carefully fill out an application and have a good credit history.