Sberbank of Russia provides its clients with a wide variety of credit programs for obtaining loans for various needs. At the same time, applying for a loan is a fairly simple procedure and begins with filling out an application form.
Instructions
Step 1
Select the loan program for which you would like to receive a loan from Sberbank. You can study the available offers by visiting any branch of the bank or by going to its official website at the link
Step 2
You can choose a consumer loan, a home loan or a car loan. Study the terms of lending and choose the most optimal option that will take into account your financial capabilities and specified requirements.
Step 3
Download the application form on the website or ask the Sberbank manager. Please fill out this document carefully, as it is fundamental in deciding whether to grant you a loan.
Step 4
Indicate in the questionnaire your wishes for a loan, personal data, sources of income and the amount of expenses that you make on a monthly basis. It is also recommended to indicate information about the collateral, if you are ready to provide it, and guarantors.
Step 5
Contact the Sberbank branch and submit an application form to the credit department. Consult with a manager about the necessary documents for applying for a loan. It should be noted that, as a rule, within a day, on the basis of your questionnaire, an initial decision is made to provide you with credit funds. After that, you can start the procedure for collecting documents.
Step 6
Get a certificate of income in the form of 2-NDFL at your place of work. If you have additional sources of income, it is also recommended to obtain documentary evidence of them. If there is a collateral, it is necessary to collect documents on it. Some types of loans also require property and life insurance. Check this question with a Sberbank employee and get advice about the insurance company.
Step 7
Get a positive decision on the loan. Sign the loan agreement after carefully reviewing its terms and conditions. Receive the amount specified in the contract. It can be provided in cash in hand, credited to your checking account, or transferred to the seller's name if the loan is taken for the purchase of property.
