Quite often it happens that money is needed urgently and in a sufficiently large amount. In such situations, the best way is to take out a bank loan. And one of them is Sberbank. But taking out a loan is not easy. To do this, you need to fulfill a number of bank conditions.
Instructions
Step 1
You can take out a loan from Sberbank only if you are already 18 years old. In addition, you must be either a citizen of Russia or have permits to live and work in the Russian Federation. In this case, you can count on a minimum amount of 15,000 rubles. And the period for consideration of the application will take from 3 days to 3 weeks.
Step 2
In order for the bank's specialists to start processing all the necessary papers, you need to write an application form with a request for a loan. In addition, you must take with you and present to the employees of the financial department an identity card (passport) and documents that prove your solvency (as a rule, these include income certificates, documents on the ownership of real estate or a vehicle). You will also need a copy of the work book, TIN and a certificate of the amount of pension (if the borrower is a pensioner). If you want to increase your chances of getting a loan, try to provide information about your guarantors if possible.
Step 3
After you give all the necessary documents to the credit inspectors, you will only have to wait for their decision. In any case, the bank will call you back and inform you about the adopted resolution. If the decision is positive, then you can get your money. Sberbank offers its loans in one of three types of currencies - euros, dollars and rubles. After that, do not forget to pay off your debt on time.
Step 4
You can pay the loan in two ways - differentiated and annuity payments. In the first case, the debt is repaid in amounts decreasing from month to month. In this case, interest is charged on the balance of the debt and is regularly recalculated. In case of repayment of the debt by the second method, payments must go to the bank in equal amounts. Of course, all these payments must arrive on time. Otherwise, your history of loans in Sberbank will be spoiled. And the next time the bank can easily refuse you without explaining the reasons.
