Today Sberbank offers various types of loan products. These are consumer loans, construction loans, home purchases, car loans and credit cards. The choice of a particular loan product determines the list of documents that must be submitted to the bank for processing a loan application. However, any loan processing is impossible without providing a passport and an application form.
Instructions
Step 1
General package of documents. To apply for a loan at Sberbank, first of all, you will need a civil passport with a registration mark. Any citizen of the Russian Federation who has a residence permit in the region where the Sberbank branch is located can get a loan. When registering temporarily, you must submit a document confirming the temporary place of stay.
Step 2
In addition to the passport, the borrower must have documents confirming income and permanent place of work. The bank must provide a certificate in the form of 2-NDFL for the last six months. As well as a copy of the labor document, signed on each sheet by the employer and bearing a note that the employee is working to the present. When applying for a loan, the bank also takes into account additional income.
Step 3
The provision of a statement of income is not required for clients who receive a salary or pension on a Sberbank card. Such clients can apply for a loan with just two documents: a passport and an additional identity document. It can be a passport, a military ID, an insurance pension certificate or a document for the right to drive a vehicle.
Step 4
When applying for a loan, it is impossible to do without a correctly completed application form. The application form can be filled out at home by downloading the form from the official website of Sberbank, or directly at the bank's office. The questionnaire contains all information about the borrower: full name, passport data, registration data, contact numbers, information about the place of work. Filling out the questionnaire should be treated responsibly. The result of consideration of the application depends on how reliable the data are reflected in the questionnaire.
Step 5
Additional documents to be submitted to the bank depending on the type of loan. To apply for a home loan, the borrower must submit a mandatory package of documents to the bank. In addition, for registration of a mortgage, you will need documents related to co-borrowers or guarantors. After the approval of the application to the credit organization, it will be necessary to provide an additional package of documents: documents on the housing being credited and certificates confirming the presence of an initial payment.
Step 6
To apply for a car loan, the borrower must additionally submit a package of documents:
- a certificate of invoice from a car dealership or a sales contract for the purchased car, - a copy of the vehicle passport, - CASCO insurance policy, - documents confirming the initial payment.
Step 7
To apply for a loan for urgent needs or a credit card, it is enough to submit a standard package of documents to the bank. In cases where a consumer loan is issued against the security of property or a surety of individuals, additional documents must be brought to the bank:
- passport and income statement of the guarantor, - confirming the ownership of the pledged object.
Step 8
The documents listed above are not final; in some cases, the employees of the credit institution have the right to require the borrower to provide additional documents.
