"Selkhozbank" - a loan on favorable terms

The most popular among banks, issued a consumer loan on favorable terms, has "Selhozbank." Among the positive aspects, we can point out that Selkhozbank offers loans at reduced interest and with the absence of any commission for the issuance of cash. While confirming the purpose of lending, "Selkhozbank" reduces the interest rate, but this is not all the privileges that this bank is capable of.

Major credit programs

Future clients can choose loans of "Selkhozbank" to individuals with a guarantee and without collateral. To select the most suitable program, they must be studied separately. The main advantages of consumer loans without security are:

• Absence of commission;
• Due to differentiated payments on the loan, the amount of overpayment is minimal;
• A loan can be repaid at any time;
• Confirmation of the borrower's income is carried out according to the form of the bank;
• The purpose of lending can be any.

After applying to Selkhozbank, the loan is granted on certain conditions:

• The borrower's age is at least 21 years;
• The crediting period is three years;
• The maximum amount of the loan does not exceed 750,000 rubles and is established on the basis of the individual financial capabilities of each client individually;
• 22% per annum.

As for the loan with a surety, the advantages remain the same, simply adding the possibility of attracting a co-borrower. It is equally important to understand the purpose of lending, the confirmation of which can reduce the interest rate by one percent.

Loan objectives

"Selkhozbank" loan is issued for the following purposes with a subsequent reduction in interest:

• Car purchase:
• Carrying out repairs;
• treatment;
• Purchase of expensive and necessary medicines.

How to deal with how much you overpay? You can calculate the loan in "Selhozbank" in the bank branch, or on the official website with the help of a loan calculator. It is enough to fill in the required columns, so that the system issues an amount of overpayment, monthly payments and so on. Such a service helps the future borrower to quickly determine the type of loan, amount and timing. Advance uninformed borrowers are greatly lost when they are offered various forms of lending, and because of this, problems with timely payments can occur.

Conditions for the guarantor

"Selkhozbank" the loan gives out with the presence of one surety with the loan amount up to 300 000 rubles. If you need a large amount, then the number of guarantors is increased to two. As a pledge can act movable and immovable property. To apply for a loan, you need a passport, a completed application form, a certificate of income for the last six months. On an individual basis, a bank can always request the provision of additional documents. You just need to be ready for this. Completing the questionnaire, it is necessary to specify only reliable information, which will be checked by security officers, which directly influences the decision of the bank.