Sometimes in our life there are situations when it is necessary to buy some thing, but there are not enough funds for the purchase at the moment. In this case, a consumer loan can help you out. This is the name of the type of loan that is issued to the borrower for the purchase of household items - furniture, household appliances, and so on. Having received a consumer loan, you have the opportunity to buy the necessary thing today, and pay for the purchase later. What is the procedure for obtaining a consumer loan at Sberbank?
It is necessary
Passport, certificate in the form 2-NDFL, application form
Instructions
Step 1
Contact the nearest branch of Sberbank of Russia (or call the hotline) and get information from its employees about the types of consumer loans that you can count on. It can be a loan for urgent needs, a one-time loan, a revolving loan, a retirement loan.
Step 2
A bank specialist will assess your financial situation and offer you a choice to issue an unsecured consumer loan or a consumer loan guaranteed by individuals. At the same time, the bank calculates for each potential borrower his solvency and determines the amount of the loan to be issued. In most cases, the income of the borrower at the main place of work, additional income and income of the spouse are taken into account.
Step 3
Prepare the documents required for applying for a loan: passport of a Russian citizen with a registration mark; a document confirming registration at the place of stay (if there is a temporary registration); documents confirming your financial condition and employment. As a document confirming the financial condition, a certificate from the place of work can be provided, which will indicate your salary for the last six months (form 2-NDFL). If you have a valid "Salary" card in Sberbank, then you do not need to provide a certificate from the place of work.
Step 4
Fill out the application form, the form of which will be given to you by a bank specialist. Attach the collected documents to the application. Transfer this package of documents to the bank branch that provides the loan.
Step 5
Wait until a decision is made on your application. According to the existing rules, the bank considers the submitted documents within two working days and makes an informed decision on granting a loan or on refusing to lend.
