To obtain a loan from Sberbank, you must fill out an application on six sheets, collect documents confirming the solvency of a potential borrower, and contact the nearest bank branch.
Instructions
Step 1
Go to the official website of Sberbank, select the region where you live. In the horizontal menu with green buttons, select "Individuals", move the cursor over it. A pop-up menu will appear in front of you, the first item of which is called "Credits". Click on it.
Step 2
Choose the type of loan program that best suits your interests. Sberbank offers consumer loans, home loans and car loans. Each of these types presents different lending programs with different names. Brief information on each of them is presented in the form of a table, you can see the loan amounts, interest rates and maturities. For more information on the program you are interested in, click on its name on the left side of the page. Use a loan calculator to calculate the cost of a loan. Pay attention to the documents that must be provided to a bank employee when drawing up a loan agreement.
Step 3
Fill out the application in the prescribed form, which you can find on the bank's website. It is in PDF format and is quite long and consists of six sheets. Provide reliable information about yourself, your marital status, place of work, property and credit history. You can complete this application on a computer or manually in legible handwriting.
Step 4
Gather the documents you need to apply for a loan. For example, to obtain a consumer loan without security, it is enough to provide a passport with a registration stamp (residence permit), a completed questionnaire and a certificate in the form “Personal Income Tax from the place of work. To obtain a loan for other types of programs, you must provide additional documents, they are indicated on the website.
Step 5
Submit the completed application and documents to the Sberbank employee at any branch convenient for you. Your application will be reviewed within two days. If you have a Sberbank salary card, the processing time for the application is reduced to two hours.
Step 6
Wait for a positive decision to provide you with funds. Make a loan agreement with the bank, get money.
