Belpromstroybank loans for consumer needs. Take a loan from BPS Bank. Real estate financing "housewarming" with "Sberbank" and skif

05.10.2023

BPS Bank is largest bank The Republic of Belarus. Since 2009, it has been part of the joint stock company Sberbank of Russia.

Consumer loans from BPS-Sberbank

The bank offers a choice consumer loans(currency is indicated in Belarusian rubles):

Classical– for any purpose, from 15.8% per annum, from 300 rubles. From one to 5 years. The maximum amount is calculated based on the borrower's solvency. A certificate of income is not required (except for individual entrepreneurs). The rate depends on the loan size. The application review period is up to 10 days.

It's time to act with Sberbank– for any purpose, 300-100,000 rubles, from one to 5 years. For loans up to 5,000 rubles, an income certificate is not required. The review period is no more than 2 days.

Let's learn together - loan to pay for tuition, 15.8% per annum, 300 - 50,000 rubles (the amount issued cannot be higher than the cost of training). The maximum period is no more than 11 years. You can pay for your own education, as well as the education of your relatives. Suitable for basic and additional education. It is mandatory to provide documents confirming training and completion of training. The loan is issued against a guarantee (over 10,000 rubles, 2 guarantors are required). Application review time is 2 days.

You can also issue credit cards:

FUN card with installments up to 1 year in partner stores, with cashback up to 1% and VISA KLASSIK to pay for goods and services
A real credit card - up to 5,000 - 10,000 rubles for a period of up to 60 months. Minimum bid 15,8%.

You can apply for a loan on the BPS website. It is necessary to select the type and purpose of the loan, confirm age, registration, availability of permanent income and absence of overdue loans.

After submitting your application, you must wait for a response from the bank manager. You can apply for a loan at any bank branch. The processing time depends on the amount and terms of the loan. See also.

OJSC BPS-Sberbank is considered one of the oldest and largest credit institutions in the Republic of Belarus, which was founded in 1923. All kinds of banking programs are available to clients. Loans are provided in different currencies to choose from favorable conditions, a convenient repayment scheme, a flexible approach to the selection and evaluation of the collateral object. Today, individuals, small and corporate business BPS Bank offers loans for the purchase of housing, cars and any other purposes.

BPS Bank issues real estate loans of any type for a period not exceeding 20 years with the smallest amount down payment–10%, but you can contribute more if you wish.

At the same time, the borrower has access to purchasing an apartment on the primary and secondary markets, construction in apartment building, as well as the construction or restoration of residential premises in an apartment building, residential block or single-apartment building under the provided subsidy, regulated by Decree of the President of the Republic of Belarus No. 240 of July 4, 2017.

The minimum loan amount is 5,000 rubles, and its maximum size is affected by the method of fulfilling obligations:

If the borrower attracts from 2 to 5 guarantors, he will receive up to 90% of the cost of the home, but not more than 150 thousand dollars.
If open security deposit Money in Belarusian/foreign monetary unit – 80%.
If property rights to a dwelling under construction or purchased are pledged with further pledge real estate, car of the borrower or a third party – 70%.

Note! When calculating the maximum loan amount, not only the income of the borrower is taken into account, but also of the involved family members (borrower’s wife/husband) or immediate relative.

Credit funds are provided as a lump sum payment or a non-revolving line of credit by crediting money to the seller's bank account.

Payments for payment of principal and interest are always made before the 20th, and repayment interest rate begins the next month after signing the loan agreement.

Interest rates

The interest rate for using borrowed funds for each banking program is different and depends on certain factors:

The refinancing rate of the National Bank of the Republic of Belarus since February 14, 2018 is 10.5%. If it changes, the interest rate on all loan products will decrease or increase.

Requirements

BPS Bank approves housing loans to borrowers who meet a number of requirements:

Availability of Belarusian citizenship or residence permit.
The minimum age on the date of conclusion of the contract is 18 years.
The maximum age on the day of making the last payment is 75 years.
Official employment from 6 months at the current place of work (under the program for construction and reconstruction of housing using subsidies, 3 months is enough).

Guarantors or co-borrowers must also fall under these conditions.

Required documents

To consider a loan application, the borrower (guarantor) must attach a pre-prepared package of documents to the application form:

If the borrower wants the bank to take into account the salary of a spouse or close relative when calculating gross income, they must give written consent to this. The bank will also need a document indicating the value of the collateral and confirming that it is owned by the applicant.

Online application process

You can submit an application to BP Bank for the construction or purchase of housing either at a branch of the institution or on the Internet. The second method is much more convenient, as it significantly speeds up the process, and the borrower will not waste extra time traveling to banking institution. The online application process is simple and even inexperienced PC users can do it. To do this, you need to follow several steps.

Credit online calculator BPS-Sberbank provides you with the opportunity to calculate the costs associated with repaying credit loans. With the help of this convenient tool you can calculate not only the loan amount, but also the amount of overpayment and other parameters

BPS-Sberbank offers its clients loan "On consumer needs» . The loan rate is 44% per annum. Money can be received in cash or Bank transaction to your card account. One of mandatory condition To obtain a loan is the presence of a guarantor and the provision of a salary certificate for 3 months from the current place of work. The loan term can be from 2 to 5 years. The important fact is that early repayment happens without penalties.

If you have an urgent question, you can always contact the bank’s call center specialists via the hotline.

Head office location: Minsk

BPS-Sberbank consumer loan calculator

The company OJSC "BPS Sberbank" acts as the largest and most widespread organization in the Republic of Belarus. Its history goes back to the distant times of the USSR. In general, it all started in 1923, when this institution acted as an industrial construction structure. When did the reforms take place? banking sector In 1987, the Industrial and Construction Bank of the USSR was formed on its basis. In 1991, a joint stock company was established commercial establishment Belarusian Industrial Construction Bank.

In 2009, a large strategic investor was attracted to the company. Since then the management Savings Bank Russia, together with the Belarusian government, decided on an agreement related to the purchase of shares by Sberbank in the amount of 93.27%.

An investment agreement was also concluded on the long-term development of this organization in Belarus. In 2011 it was renamed to its existing name.

Today the organization boasts an extensive branch network. In addition to the central office, it includes as many as 6 regional-level directorates, as well as 59 additional offices. The bank has its own representative office in Warsaw. Historically, the picture has developed that the organization’s clients are government institutions, as well as companies operating in basic economic sectors. The bank is universal and is actively developing retail services and business programs.

In this article we are interested in loans from BPS Bank for consumer needs.

Mortgage

Lending to the population for the purpose of purchasing housing is one of the most widespread programs of this organization. Several areas can be distinguished, each of them includes special conditions.

Housewarming party with Sberbank

This loan is issued for the purchase of finished housing or for construction from scratch. In order to qualify for borrowed funds, the borrower must be in the age range of 18-75 years. Documents you will need to provide:
application form;
passport;
documents confirming receipt of income;

securities related to securing loan obligations.

Loan rates range from 16.3 to 16.8%, depending on the conditions, which can be found on the website.

Construction and reconstruction of housing with subsidies This program allows you to build a dwelling (single-family individual house or apartment) or improve its appearance. Minimum amount – 5,000 Belarusian rubles , and the maximum value should not exceed the maximum price of a residential building, which is determined based on the decision of the executive committee. Submission deadline borrowed money

is 20 years, and the borrower will require a guarantee in the form of collateral and surety.

Real estate financing "Novoselye" with Sberbank and SKIF Persons aged 18-75 years can count on receiving a loan. If we're talking about

BPS Bank loans to individuals for the purchase of housing are varied.

Loan for any purpose

"It's time to act"

Under this program, the consumer can count on receiving loan funds in the amount of up to 100,000 Belarusian rubles. Since the program assumes any goals, the borrower is not required to report to the bank on the areas of expenses. In addition, if the borrower does not want to bring a certificate of income or is unable to do so, he can count on receiving an amount of up to 3,000 rubles. The rate is from 16.3%, and the term is up to 5 years.

"Classical"

A potential bank client can submit an online application for consumer loan called "Classic". The rate is 16.3%, and the term is 1-5 years. You will have to bring the following set of documents to the bank:

application in the form of a questionnaire;
a document proving your identity;
military ID;
reference materials from the place of work about stable income and length of service.

The borrower's age must be between 18-65 years. You must work at least 6 months at your last job.

Car loan

Car loan programs at this financial institution are especially popular. The financial institution operates the Main Road program, under which a loan is provided for the purchase of:

new vehicles;
used cars (the key requirement is that the age must be no more than 10 years at the time of conclusion of the agreement).

A loan application at a bank can be considered even if the client does not bring a purchase and sale agreement. You can take out a loan from BPS Bank to purchase your own car in an amount equal to 100% of the cost vehicle. The price is determined depending on which method of fulfilling obligations is chosen. % rate - from 16.3, and term - up to 7 years.

Credit card

Plastic cards, to which borrowers' credit accounts are linked, have recently been gaining momentum in popularity, and BPS, following the example of the West, has developed unique and profitable programs.

Real credit card

This card can be used for anything. Do you want to travel or go shopping? Or maybe make a useful and pleasant purchase? Then this opportunity is for you! This credit card has many significant advantages:

convenient repayment period for credit resources – 36-60 months;
Possibility of obtaining a loan up to RUB 3,000. without the need for certificates;
promptness of consideration of the application;
minimum set of papers;
favorable rate.

A real credit card with a grace period

This time period refers to the interval within which it is possible to use loan funds at a rate of 1%. It is 50 days. The credit card, like the previous product, has convenient repayment options, including a term of up to 5 years. The application is processed quickly, and to receive the required amount

You will only need to provide a minimum package of documents.

Overdraft on a credit card Once you apply for an overdraft, you will have constant access to financial resources

. Moreover, the loyalty program offers customers a lot of opportunities:
convenient repayment period – up to 12 months;
limited scope of consideration;
provision of a small package of papers;
rational interest rates;

selection of cards of any categories and payment systems.

As you can see, BPS Sberbank offers loans for consumer needs in large quantities.

Loan for refinancing

If you have accumulated debts in other financial institutions, you can easily pay them off using one of the refinancing programs.

"Housewarming"

"It's time to act"

When refinancing a mortgage, the bank issues a loan from 5,000 rubles, and the maximum amount depends on the creditworthiness of the applicant. But it should be no more than the balance of the principal debt. Duration – up to 20 years. If you need to combine several loans into one and make the payment schedule more rational, then this opportunity is what you need. Maximum amount

is based on the applicant’s creditworthiness and includes the balance of the principal debt and an additional amount (if desired and necessary). Amount – from 300 rubles, rate – 16.3%, term – up to 7 years.

Education loan Another common type of loans offered by this organization is for individuals

– loan for education.

"Learning together" This consumer loan

, which allows you to get an interesting education, laying the foundation for the future today. The company offers the most attractive terms for such lending: the amount is full price
training;
rate – 16.3%;