Sberbank is a financial institution with the widest branch network throughout the country. And in addition to services for keeping money, this bank is actively developing various credit programs for the general population.
Instructions
Step 1
Decide for what purposes you want to get a loan. The choice of a specific program offered by Sberbank depends on this. For example, to buy an apartment, you should consider a mortgage loan as the most advantageous in terms of the interest rate. There are also special programs for buying a car and paying for tuition. If you want to use small amounts periodically, a credit card is a good choice.
Step 2
Find out more about the type of loan you need. To do this, call the customer service at the federal number 8 800 555 5550. Within Russia, communication with the operator from stationary phones will be free of charge. Also, to obtain information about loans, you can come to the branch in person or visit the official website of the bank -
Step 3
Check if you meet the requirements for borrowers. They are stricter at Sberbank than at a number of other financial institutions. You must have an official permanent job with at least six months of experience. Also, your total experience should be at least a year. You must be at least eighteen and no more than seventy-five years old. Also, the mandatory requirements include the presence of registration at the place of residence. For mortgage programs, the requirements are even stricter - for example, the borrower's age must be twenty-one years or more.
Step 4
Gather the documents required to apply. Their list depends on the choice of the financing program. For example, in order to obtain a consumer loan, the owner of a Sberbank salary card will only need to present a passport. At the same time, a candidate for participation in the mortgage program will need to confirm their income and employment with certificates, as well as provide documents for the selected housing.
Step 5
Come to fill out a loan application form one of the offices of Sberbank. A list of them by region can be found on the bank's official website. After submitting the application, wait for the call from the employee with the message of the results. If your application is among the rejected, you can re-submit it in a month.
