When money is needed urgently, but there is no time to collect a large number of documents, Belarusbank loans will come to the rescue consumer needs. In this article we will consider this type of lending in detail.

What is a consumer loan, its types

Consumer loan represents loans that individuals take from credit organizations, in order to pay for expensive goods or services. Lending is carried out on the basis of the principles of payment, urgency and repayment. That is, the money issued by the bank must be returned to deadlines. In addition, you will have to pay for using the issued amount. Such payment is monthly interest, paid on the loan.

A distinctive feature of such a loan is the direction in which it is used. The borrower cannot use the money to make a profit in the future. Using a loan, you can pay for goods (car, household appliances), services (training, vacation in a sanatorium or abroad). Consumer loans are:

• targeted (have a specific purpose for receiving it - vacation, training, buying a car, etc.);
• non-targeted (express loans, overdraft, line of credit).

In addition, loans can be secured (with collateral) or unsecured (without collateral).

Loan conditions and requirements for the borrower

You can take out a loan from Belarusbank for consumer needs in an amount of no more than $15,000 (or equivalent). This amount will depend on the income level of the borrower.

It must be repaid within 5 years (if the amount is small, the repayment period is shorter). Most short term repayment - 6 months. Loan interest rates range from 14%. In addition to interest, you must pay a commission for the bank’s services for processing and issuing a loan. You can take money in cash and non-cash form. In the second case, the money is transferred to a credit card, which is issued at the bank in the name of the recipient.

An application for borrowed funds is considered by the bank from half an hour to 3 working days. The term will depend on the type and amount of the loan. Requirements for borrowers:

• eligible citizens of the Republic of Belarus can apply for a loan;
• the borrower cannot be under 18 years of age or over 60;
• men under 28 years of age must provide a military ID;
• the person must have stayed at his last place of work for at least six months;
• if there are guarantors, the same requirements are imposed on them.

The basic package of documents - the minimum set that allows you to take out an express loan, includes: a copy of an identity document and a questionnaire filled out by the borrower. But in order to apply for a consumer loan from Belarusbank for a higher amount, you need to collect additional documents: a copy of your employment record and a certificate of income.

For some types of lending, it is necessary to find a guarantor. If you apply for a large amount, you may need a deposit.

Loan application process

You can apply for a loan in several ways.

1. First, you can visit the bank in person. In this way, it is best to arrange large borrowed amounts that require the provision of collateral or guarantors. They will also advise you on the spot about all payments and help clarify any questions that may arise.
2. With the development of electronic technology it has become possible apply for a loan online. In this case, you must fill out the forms provided by the system. After reviewing the application, a bank employee will contact you and inform you about the bank’s decision. If the answer is positive, you will need to come to the bank to sign the agreement. Money can be sent to a card or issued in cash.

Thus, you can choose various options for obtaining a loan from Belarusbank. Choose the method that you think is optimal.

OJSC Belarusbank is a state bank of the Republic of Belarus. The company is active not only with legal entities, being a systemically important financial institution, but is also widespread in the retail market. This organization offers a full range banking services, but in this article we will talk about what loans Belarusbank provides.

About the bank

Before deciding which bank to take out a loan from, you should study the reliability of the company. Belarusbank is largest organization in the republic. The degree of representation of this bank is comparable to Sberbank in Russia. True, unlike its Russian counterpart, the Belarusian neighbor is almost entirely state-owned, since more than 98% of the shares belong to the Republic of Belarus, while the shareholder of Sberbank (50% plus one share) is the Central Bank, independent of the state.

Belarusbank dates back to 1922. The company lends to more than 90 thousand legal entities and private entrepreneurs, including the largest industrial companies. The organization’s activities are also aimed at the international arena. The bank has representative offices in Russia, China, Germany, as well as a wide network of partners and investment projects Worldwide.

Peculiarity consumer loans Belarusbank is that the offer directly depends on the refinancing rate. On Russian market The standard relations of supply and demand operate as a regulator.

The interest rate on loans from this bank depends on current rate refinancing and loan term. In this case, the rate is floating. This means that if the bank changes the refinancing rate during the consumer lending process, then it automatically changes in the agreement. Let's consider current offers consumer loans from this bank.

At the time of writing, the refinancing rate in force in the Republic of Belarus, adopted in October 2017, was 11%. The maximum amount is determined individually and depends directly on the borrower’s solvency. Wherein banking company does not set a specific limit.

Only the client's solvency is limited. It is believed that the borrower’s confirmed income should not exceed 15 basic units. Thus, a clear formulation on maximum amount The company avoids lending expressed in specific figures.

Both citizens of Belarus and foreigners, and even stateless persons can apply for a loan at Belarusbank. The main requirement for potential clients of a banking organization is that the potential borrower has a permanent place of residence in the republic. You also need income, which is generated in Belarus. It is possible to obtain a loan for consumer needs without guarantors.

Required documents

To get a cash loan from this banking institution, you will need to prepare a set of documents from the following list:

• passport. Banking specialists will need a copy, but they should also have the original with them;
• if a guarantor is provided for a consumer cash loan, then a copy of the passport will also be required, but the original will also be required for presentation;
• application for permission to check the credit history for all parties to the agreement. Such an application is created both in the bank department and independently in the National Belarusian Bank;
• application for reconciliation of personal data of potential loan participants in Belarusbank;
• income certificate. The document can be requested directly from a banking institution to be completed at your place of work.

Obtaining a loan from Belarusbank is possible without certificates or guarantors. It is necessary to confirm your income if, in the opinion of the bank, the requested amount exceeds the borrower’s solvency.

For pensioners receiving a pension into an account in Belarusbank, as well as receiving a salary on a card from this bank, providing income certificates is also not necessary. It will be enough for a bank specialist to generate an account statement for the last three months.

If a consumer loan is issued individual entrepreneur, then he needs to prepare additional documentation. This package of information will include:

• certificate of state registration as an entrepreneur. As well as providing a license if necessary. What is needed is the originals;
• documents confirming monthly income;
• statement of cash flows on a current account in a banking organization for the last three months. It may not be provided if the activity is carried out without opening an account;
• tax payment documentation;
• also, specialists from the banking department for registering credit transactions may request additional financial documents, which confirm the solvency of a potential borrower, to determine the degree of risk of such a transaction and the possibility of lending.

Loans for consumer needs can be obtained in several ways:

• contact a bank branch with documents;
• submit an application through the banking organization’s website online;
• call the hotline.

Specialists will check the credit history and provided documentation and contact the client within three business days. After which you will need to go to the bank branch with the original documents to complete the transaction and receive funds. If a guarantee is issued, then it is necessary that the guarantor leave his signature on the agreement, and his original documents must also be provided.

You can apply at in electronic format, get an answer – also remotely on mobile phone or mail. From the date of the positive decision, you can withdraw the money within 30 days. If funding is not provided within this period, you will need to resubmit your application.

To submit an application remotely, you must select “Consumer lending” in the “Loans” section. Then click on the “Loan Application” menu. A link titled “Loan Application” will appear at the bottom of the page.

Before submitting an application, you should decide on the type of loan. Standard offers differ only in the term and interest rate; there are also special options, which we will discuss later. After selecting the program name, the system will show the deadline and interest rate.

Next, you will need to fill in information about possible income and expenses. At this stage, we recommend providing reliable information, since if experts believe that the borrower is deliberately entering incorrect data or trying to hide any information, then most likely a negative decision will be made about the possibility of lending.

After this, the system will calculate the maximum available amount and also offer an option for the size of the monthly payment. It will be divided into payments on the loan body and interest loan agreement.

Next, you will need to fill out contact and personal information: information on place of residence and registration, passport details, family composition and others. Thus, the application will be generated and submitted for processing. You can expect it in 3 working days feedback from a company with a positive solution.

With the help of the refinancing program, you can pay off your current debt by drawing up an agreement with Belarusbank. The company will make payments by closing the agreement, and the debt will be issued to Belarusbank on new, more favorable terms for the borrower. In this way, you can repay both loans from this bank and agreements that were executed in other financial institutions of the Republic of Belarus.

Interest under the agreement is also set as floating and depends on the refinancing rate. The maximum loan duration reaches 10 years in the case of mortgage lending and up to 7 years under consumer loan agreements. And the rate in both cases is equal to the refinancing rate from National Bank + 3%.

Besides standard requirements banking organization nominates additional conditions for refinancing:

• the agreement that is the object of refinancing must be executed in the name of the same individual;
• There is no current overdue debt on the loan. During the course of payments, there were no more than two delays lasting 8 days or more;
• more than two months have passed since the date of financing the loan;
• According to the actual repayment schedule, at least three months remain until the end of the loan term.

Additional documents

In addition to the basic certificates, the bank will need to provide a certificate from the current lender, which contains the following information:

• Full name (for whom the contract is drawn up);
• amount of current debt;
• information about the presence or absence of a current delay;
• details of the company where you need to transfer money to close the contract;
• an account statement showing information about funds being credited.

Bank certificates can only be valid for 15 days from the date of their generation.

The main difference between this service is that Belarusbank can issue a card even to those borrowers who do not have a good credit history and are often refused a loan.

The card is issued for three years with subsequent automatic reissue. Wherein credit limit we resume. This means that if you deposit money into your account, you can continue to use the credit funds again. Credit card terms:

• the maximum available amount is determined individually;
• the interest rate is floating, equal to the refinancing rate + 3% for clients with a bad credit history, + 2% for borrowers with a good credit history;
• The monthly payment amount is 5% of the amount current debt at the end of the billing period;
• commission for cash withdrawals at the cash desks of third-party banking companies is 3% with a minimum of 6.50 rubles;
• through ATMs of third-party banks 2% with a minimum of 3 rubles.

Moreover, when withdrawing, a commission may also be assigned directly to the bank through which the operation is performed. How does Belarusbank distinguish between good and bad credit history?

A banking organization considers the history good if the client has not had more than two delays over the past 5 years. In this case, credit agreements with a duration of at least one year are taken into account.

There are age restrictions. The banking institution is ready to cooperate with potential clients, whose age is less than 57 years. In addition, the company is not ready to invite third-party borrowers. Credit cards are issued only to those persons who have a current bank account into which funds are received on an ongoing basis.

It could be salary project from the employer or the account to which the employer transfers money or the pension is credited. The main thing is that the earnings are of an official nature and can be documented.

You can also submit an application online, and standard documents will be required, as in the case of regular consumer lending.

Belarusbank offers the option of a loan agreement with minimum interest, as well as terms and conditions for installments.

Internet "Cashless"

The maximum loan duration is up to 1 year. Money can be transferred to a Belarusbank bank account. The loan amount cannot exceed 5,000 rubles. The interest rate is equal to the refinancing rate. At the same time, during the course of the agreement, the rate remains the same, unless the agreement provides for conditions for changing interest in accordance with the change in the refinancing rate.

Another option involves an interest-free loan. The maximum amount also does not exceed 5,000 rubles. The rate is 0.01%. There are contract options from 4 to 12 months. Thus, it is not possible to receive cash, but you can finance the purchase and sale transaction, i.e., receive the goods in installments.

This way, the organization will receive financing from a banking institution, and the client will have a debt to the banking company, but on an installment plan.

Who can use the service

To get these profitable offer, you must have a bank card that has received wages or other deposits in a stable form for at least the last three months.

A car loan at Belarusbank can be obtained as follows: new car, and used. In this case, the age of the car should not exceed 3 years. Cars can be purchased both from dealers and from individuals. You can use your current car through the trade-in system in favor of a new one vehicle.

Agreement conditions

• The maximum period cannot exceed 7 years.
• The interest rate in the first six months is 13%, then it becomes floating and depends on the current refinancing rate + 2%.
• There is no need to make a down payment.
• There is no need to take out comprehensive insurance.
• Lending is provided only with a guarantor.
• The maximum amount will be determined individually.
• Financing is carried out by transferring money to the seller's account.
• There is an option to defer payment for 6 months.

Borrowers can be both citizens of the republic and foreigners or stateless persons, but registered in the country with official work and income. The following may not confirm their solvency:

• clients purchasing a Gleely car from our partner Avtotorgservis;
• borrowers who have a salary project or pension at Belarusbank.

Documentation

Besides standard package, you should prepare a document that confirms the purchase and sale of a vehicle with an individual or legal entity. Other certificates are relevant, as in the case of applying for a regular consumer loan.

This is a loan aimed at financing people receiving full-time education at school or university. The bank can pay the cost of annual training by transferring money to the account educational institution.

The interest rate directly correlates with the refinancing rate. At the time of study, only interest on the loan is paid. From the moment of completion of training, the loan is repaid in full, while:

• within three years in case of graduation from a secondary educational institution;
• for five years in the case of a higher academic institution.

Any additional requirements the banking company does not advance. It is worth noting that there are specific certificates:

• agreement on paid training;
• a document that will reflect the form of training and terms;
• current educational certificates (certificates, diplomas, etc.).

You will need to confirm your status as a student or apprentice annually.

Belarusbank did not bypass this social segment of the population either. Pensioners of any age can become participants in this type of loan. Cash are issued to a bank card, the interest rate is set as follows:

• 1st year in the amount of the refinancing rate;
• subsequently, 1% is added to the floating rate until the end of the term.

When applying for a special offer on debit bank cards“Velvet” interest is distributed as follows:

• 1st year in the amount of the refinancing rate, but minus 3%;
• in the future – refinancing minus 2%.

Clients can only be those persons who have the right to receive a pension, but guarantors can be people regardless of citizenship. An additional document is a pension certificate of a citizen of the Republic of Belarus.

Thus, Belarusian bank provides a full range credit offers, focusing on all social strata of the population. Taking into account the specifics of the economy, the banking institution links its products to the rate offered by the country's national bank.

General terms

Loans for consumer needs from Belarusbank are a loan (credit line), the amount of which depends on your solvency, issued under the guarantee of individuals.

Credit calculator

In addition, the calculator will help you determine the amount you can save on interest if you are prepared to keep your loan payment at the same level.

Online loan processing

Using the order form, you can apply for a loan in 1 minute, after which the bank will contact you and inform you of the decision and determine the location (branch) for processing all the necessary documents.

Documents for obtaining a loan

• Passport or residence permit;
• Certificate of income.
• Guarantor's documents (passport and income certificate)

Basic requirements for the borrower

• Resident of the Republic of Belarus. Confirmed by a passport of a citizen of the Republic of Belarus or a residence permit in Belarus.
• Seniority. Confirmed by information on the income certificate.

Loan repayment

• Through a cash desk at a bank branch
• Using Internet banking and mobile banking Belarusbank
• Using Internet banking and mobile banking of other banks, if they are connected to ERIP
• Through ATMs and information kiosks of other Belarusian banks connected to the ERIP system.

JSC " ASB Belarusbank» – the largest in the territory of the Republic of Belarus. The bank sells more than 100 types financial services, including consumer lending. Belarusbank's clients are about 70% of all borrowers in the country, which is more than 800 thousand citizens.

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Lending terms

Belarusbank has several types of consumer credit products. There are options for targeted direction, with support, social orientation. At the same time, lending conditions for all loan products are similar.

Filing an application

In order to obtain a consumer loan, the Applicant has the opportunity to apply:

• to any of the branches of JSC "JSSB Belarusbank" that provides banking services;
• fill out an online application on the Belarusbank corporate website;
• call the contact center using the special short number 147.

Applications for trade credit are made directly to trade organizations who cooperate with the Bank.

Documents required by the Bank

For approval loan application and granting a loan, the Bank requires the following documents:

1. Passports, as well as their copies of the borrower and guarantors for the loan (in the case of choosing a secured loan - a guarantee of individuals).
2. Application form for a loan.
3. Certificates confirming the availability of income from the borrower, as well as from the guarantor (if one is involved). Or an account statement for the last quarter, provided that the borrower receives a pension or salary through Belarusbank. The certificates are valid for 30 days.
4. The borrower’s consent to provide information about him, issued by the National Bank of the Republic of Belarus, namely credit report from the Credit Register.
5. The client’s consent to the receipt and verification by the creditor bank of personal data about him.

Additionally, depending on the purpose of lending, the Bank requires:

1. As part of the provision of trade credit:

• invoice.

2. When applying for a loan for burial:

• death certificate;
• invoice.

3. The need for a loan for medical services, the borrower must confirm:

• a certificate from a medical institution confirming that the applicant or his relative is registered with a dispensary;
• an agreement and (or) an invoice for the provision of medical services indicating the cost of medicines and services provided.

4. For an education loan:

• a copy and original of the agreement on training a specialist in a higher or secondary specialized educational institution on a paid basis;
• a certificate from an educational institution indicating the presence of a first higher or secondary specialized education.
  

  The document must contain information about the form and timing of completion of training.

Before you take out a loan, you should think about it. Detailed information You will find information about this type of lending on our website.

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Interest rates

The peculiarity of the current interest rates on consumer loans in Belarusbank is that they are linked to the refinancing rate of the National Bank of the Republic of Belarus.

Thus, the Bank sets the cost of a specific loan as an amount that is a multiple of credit rate refinancing of the National Bank of the Republic of Belarus plus (or minus) a certain number of credit points.

The interest rate under the concluded loan agreement remains unchanged throughout its entire validity, unless otherwise provided by the agreement itself.

The refinancing rate of the National Bank of the Republic of Belarus last changed downwards in August 2020. As of November 2020, its value corresponds to 20% per annum.

Video: How to take out a loan correctly?

Types of consumer loans from Belarusbank

Consumer lending at Belarusbank is limited to 9 offers.

Requiring security in the form of a guarantee, non-return insurance, collateral:

• “Consumer loan” for any needs. Provided by cashless transfer or payment card;
• “For the purchase of a car”, essentially a targeted car loan;
• “For training”, provided for the purpose of obtaining higher and secondary specialized education. The money is transferred to the account of the educational institution;
• "", as well as the installation of monuments and fences;
• “For medical services” for citizens who are registered at a dispensary in order to pay for medical care, purchase medications and equipment.
• With security only in the form of a penalty:
• “Time-tested” is a non-targeted loan designed for salary clients not older than 57 years of age. Money is transferred to credit card international standard;
• “For the purchase of goods,” as the name suggests, a targeted consumer loan for the purchase of goods in trade organizations with which the Bank has entered into agreements;
• "Application to Santa Claus" special offer for the New Year holiday, valid from November 24, 2020 to January 15, 2020. The loan is provided to a bank card.

Without collateral:

• “Instalment without overpayments” is a loan intended for the purchase of goods in certain trade organizations. The loan is transferred to the current account of the trading organization.

Requirements for the borrower

The Bank’s requirements for the loan applicant are the same for almost all loan products:

• citizen of the Republic of Belarus;
• foreign citizen;
• a stateless person;
• compulsory residence in the country;
• availability of a permanent source of income in Belarus;
• branch and representative office employee legal entity which is located abroad.

Applying for a loan

Regardless of the method of applying for a loan, to draw up a loan agreement, the borrower must come to a Bank branch. Moreover, this makes it possible to count on the maximum loan size.

Features of applying online

For borrowers who submit an application electronically, a loan of no more than 200 basic units is available.

As of November 2020, this is within 30 million Belarusian rubles. rub. The process of filling out and submitting an online application is as clear and simple as possible. Simply fill out the form provided on the website.

The Bank's decision is communicated to the applicant in the manner specified in the application. Refusal is possible in a situation where loan payments exceed the borrower's net income by more than 50%. In case of a positive decision, the client must personally appear at the bank with a package of necessary documents.

Interest rate

The interest rate is set by the Bank's board in accordance with the type of loan, the terms of its provision and the period of use.

In most cases, its calculation is based on the refinancing rate of the National Bank of the Republic of Belarus (hereinafter referred to as the NBRB rate), which as of November 2020 is equal to 20% per annum.

Type of loan product	Size and features of the interest rate
	Calculation in relation to the refinancing rate of the National Bank of the Republic of Belarus	Absolute value for November 2020, %
"Time-tested"	For citizens with a positive CI: 2 times the rate of the National Bank of the Republic of Belarus - 4.5 percentage points
	For all other borrowers: 2 times the rate of the National Bank of the Republic of Belarus - 3.5%
Consumer loan	For a loan for up to 1 year: 2 times the rate of the National Bank of the Republic of Belarus at the time of conclusion of the agreement - 4.5%
	For a loan for up to 5 years: 2 times the rate of the National Bank of the Republic of Belarus at the time of conclusion of the agreement - 2.5%
	For a loan for a period of up to 5 years, subject to the conclusion of an insurance contract: 2 times the rate of the National Bank of the Republic of Belarus
To purchase a car	For up to 7 years - 2 times the rate of the National Bank of the Republic of Belarus
	For a period of up to 5 years - 2 times the rate of the National Bank of the Republic of Belarus - 2 percentage points.
For the purchase of goods	2-fold rate of the National Bank of the Republic of Belarus - 4 p.p.
For education	For obtaining a first education: the rate of the National Bank of the Republic of Belarus on the date of conclusion of the loan agreement + 10%
	For obtaining a second education: the rate of the National Bank of the Republic of Belarus on the date of conclusion of the loan agreement + 12%
For the improvement of burial sites	rate of the National Bank of the Republic of Belarus on the date of conclusion of the loan agreement + 6 p.p.
For medical services
"Instalment without overpayments"	with payment of 0.01% per year
"Application to Santa Claus"

In accordance with the terms of loan agreements, the interest rate does not always remain unchanged throughout the entire period of the agreement.

A change in the cost of a loan may be caused by a change in the refinancing rate of the Central Bank of the Republic of Belarus. Or by decision of the Bank's Board.

The borrower is informed about the new loan conditions through newspapers, websites and at Bank branches.

Maximum and minimum loan amount

Before concluding a loan agreement, the Bank assesses the client’s creditworthiness.

During the assessment, loan debts, guarantee agreements, credit history, factors that can affect the borrower’s solvency (marital status, expenses).

The result of this analysis is the determination of the maximum loan size, that is, the limit of the borrower's solvency. It cannot exceed established by the Bank coefficient of the borrower's net income.

The minimum size for consumer loans from Belarusbank has not been established.
The available maximum loan amount for the borrower necessarily satisfies the above criterion. Some loans have additional conditions:

Name of consumer loan	Maximum loan size within the borrower's solvency
Consumer loan	but not more than 50 million BYN. rub.
To purchase a car	taking into account the cost of the car
For the purchase of goods	in the amount of up to 200 basic amounts established by the legislation of the Republic of Belarus on the date of the decision to issue a loan (currently - up to 30.0 million rubles)
"Instalment without overpayments"
"Application to Santa Claus"
For education	within the annual tuition fee

Terms of loan issuance

Loan terms at Belarusbank generally range from one to seven years.

Consumer loan	Loan terms
"Time-tested"
Consumer loan	from 1 to 5 years
To purchase a car
For the purchase of goods	up to 1.5 years
For education
For the improvement of burial sites
For medical services	up to 2 years
"Instalment without overpayments"	depends on the outlet
"Application to Santa Claus"

State regulation of the interest rate level makes it possible to control the lending system in general in the Republic and in Belarusbank in particular.

All credit products available, inexpensive and easy to obtain. With the help of credit funds, you can become parents, solve current issues and perpetuate the memory of loved ones.

This allows us to say that Belarusbank is ready to help its clients throughout their lives.

Debt repayment

Payment of debt to Belarusbank is made monthly for the actual time of using the loan in accordance with the schedule.

There are several repayment methods:

• at bank cash desks;
• at information kiosks, using cards issued by ASB Belarusbank and other resident banks. In the latter case, the commission is 1% of the amount;
• through M-banking;
• using the Internet banking service.

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Pros and cons of the bank

“Belarusbank – Striving for growth. Yesterday. Today. Tomorrow" - this is the motto of the largest state bank Belarus. It is better for the bank to leave its disadvantages in yesterday's memories.

If you believe customer reviews, the main problems of the bank are:

• commission, as the bank calls it, is the amount of remuneration charged for certain services. If we talk about consumer lending, then such a reward costs the client 3.5% of the cash withdrawal amount, but not less than 10 thousand Belarusian rubles. rub.;
• problems with Internet banking. Unfortunately, the service is not always available to clients “for technical reasons,” which naturally causes inconvenience and dissatisfaction;
• insufficient number of ATMs and branches.

But these minor shortcomings are more than covered by today’s advantages:

• affordable loan rates;
• two low-interest proposals for social targeted loans for medical services and improvement of burial sites;
• the Bank’s convenient website, which allows the client to independently understand the terms of the loan, get answers to questions through an online consultation, and calculate the terms of the loan using a calculator;
• holding holiday promotions on credit offers;
• credit offer “Instalment without overpayments”, which allows you to purchase on terms of an almost interest-free loan.

But tomorrow the Bank still has room to grow. In the long term it would be good:

• increase the number of branches;
• expand the list of partner outlets;
• eliminate deficiencies in the operation of Internet services;
• expand the line consumer loans without collateral.

Almost all banks consider consumer loans to be the most popular type of lending. They come to the aid of every person when purchasing any item, during repairs, or if necessary, to exchange a wardrobe. At the same time, you don’t need to wait a long time, putting aside a certain amount from each salary, you can take consumer loan at Belarusbank and spend the borrowed money on personal needs. Borrowed funds in this financial organization will help solve many current problems. Borrowing money from this bank has some advantages:

To the person who wages receives it on a Belarusbank payment card, you do not need to prove your solvency and submit a certificate of income;

Bring in monthly fee You can do it at bank branches, through M-banking or the Internet.

Belarusbank issues money for consumer needs non-cash to the borrower's payment card. As in other financial institutions, the borrower must repay the borrowed money within the terms specified in the contract according to the actual use of the borrowed funds.

Conditions for issuing a consumer loan at Belarusbank

How much a borrower will receive a consumer loan from Belarusbank depends only on his solvency and is considered by the bank individually in each specific case. If a person needs to borrow a fairly large amount, then the financial organization in almost all cases requires a guarantee from other individuals or security with liquid property, movable or immovable.

Belarusbank sets the payment rate depending on the loan term. If the loan is taken for more than five years, the loan rate increases by 1%. In addition, the size of the rate in this financial institution is also influenced by the borrower’s place of residence. If a person lives in a locality where the population does not exceed 20 thousand people, then the interest rate on the loan, regardless of the borrowing period, will be one percentage point lower than for residents of megacities. The bank does not change the established interest rate throughout the entire loan term, even if the organization changes it, this will not affect already concluded agreements.

Requirements for a borrower to obtain a consumer loan from Belarusbank

The financial institution does not impose strict requirements on its borrowers. Today, not only Russian citizens, but also foreigners and even stateless persons can receive a consumer loan from Belarusbank, but they must permanently reside in the Russian Federation and have a permanent income.

When applying for a loan, a potential borrower must provide a certain package of documents. It is necessary to submit not only the original passports of the borrower and guarantor, but also their copies. In addition, to confirm his solvency, a person must provide a certificate of his monthly income, what deductions he had over the past three months.

Both the recipient of the loan and his guarantor must give written consent that a report will be submitted for this loan to the Credit Register of Belarusbank. At the borrower's request borrowed funds may be transferred to his payment card or to the account of another individual, you can spend them to pay for services and goods or to withdraw cash.

• Applying for a consumer loan at Belarusbank via the Internet

  Currently, consumer loans at Belarusbank can be obtained via the Internet. Based on electronic applications, this financial organization issues loans, the amount of which does not exceed 200 basic units. Decor online applications as convenient as possible, you do not need to visit a bank branch, and the application itself can be completed directly at home. The borrower must enter his personal data and data on his own creditworthiness. But to receive the money, you still have to wait for a positive response from the financial organization, and it remains to be seen whether it will be received. We know all the methods that will have an impact on issuing a positive answer. You just need to fill out an application on our website, and we will use all our experience to ensure that the response from Belarusbank is positive. By contacting us, you increase your chance of being approved for borrowed money. There is no need to take risks, we will do the most important part of the work for you, and you will only have to wait for a call from the bank informing you of a positive response. After this, all you have to do is visit the branch of this financial institution and after checking the documents with the online application data, receive credit funds and use them for your needs.

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