Applying for a loan at Sberbank is a fairly simple procedure. You need to know for what purpose you need money and in what amount. To obtain a loan, you should contact any branch of Sberbank that provides loans to individuals.
Instructions
Step 1
If you want to apply for a loan in Sberbank, then be prepared for the fact that in any department you will be required to have a passport, a certificate in the form of 2-NDFL or on a bank letterhead, a certificate from the Pension Fund for pensioners, a work book for workers, as well as a questionnaire. In addition, other documents will be required depending on the type of loan. For example, when receiving a mortgage loan, you will need to submit documents for the purchased housing, when receiving a car loan, for a vehicle. If necessary, the credit inspector of Sberbank has the right to request other papers.
Step 2
After you submit a complete package of documents to the Bank, the application review procedure begins. Your data will be checked by the security service and the legal service if there is a transaction with real estate or other property accepted as collateral. After the decision of these services, the credit officer calculates your solvency, and then the application is considered by the Credit Committee.
Step 3
As soon as a positive decision is made on your application, you will be invited to sign a loan agreement. In addition, you will be asked to sign a pledge agreement, and your guarantor will be asked to sign a surety agreement or one of these agreements, depending on the security. Please note that in the text of the agreements, the amounts, terms, numbers must be spelled out at least once, surnames, first names and patronymics must be spelled correctly and in full, and all documents must be signed by the person mentioned in the preamble.
Step 4
Be sure to get your hands on a loan repayment schedule if you repay the loan with unequal payments. In Sberbank, it is a separate document, where the monthly amount to be paid is indicated, including the principal and interest, as well as the total loan balance.
Step 5
You can apply for a loan (sign a loan agreement) within 10 working days from the date of making a decision to issue a loan. After this period, you will have to collect a new package of documents.
