Today, credit funds play a significant role in financial situation many people. Sberbank loan offers help you purchase a long-awaited purchase, pay for a vacation, solve urgent problems, etc. Thanks to flexible lending conditions, everyone can choose the right offer.

Consumer loan

A consumer loan is provided for any needs of the population. Features of the loan include:

• fast processing;
• minimum package of documents;
• crediting of funds up to 2 days.

You can submit documents in 2 ways:

1. At a bank branch. The documents are transferred to the manager, who helps fill out the application form and advises on all related issues. The employee will carry out the necessary calculations and inform the Bank about the decision.
2. Through Sberbank Online. The application is considered on the day of submission. Money is credited to the card on the day of approval. There is no need to visit a bank branch.

When applying for a consumer loan from Sberbank, the interest rate will depend on the following conditions: size wages, loan amount, period of use Money, borrower status (Bank employee, client receives salary on Sberbank card). Credit rate in Sberbank the stock decreases for some time and may amount to 12.9–13.9%. The mandatory conditions for being eligible for the promotion include:

• the borrower is an employee or receives a salary on a Bank card;
• security – guarantee of a third party;
• loan term – up to 2 years;
• loan amount – 300–450 thousand rubles.

Documents and conditions

Consumer loans in Sberbank have been consolidated general requirements and conditions, including partial or full early repayment without additional fees, the accrual of penalties and penalties for late payment. Additional terms depend on the purpose of the loan:

1. Loan without providing collateral.
2. Loan with guarantee.
3. Loan for clients engaged in individual farming.
4. Loan for military personnel.
5. Refinancing.

To apply, you will need the following documents:

• passport with permanent residence in Russia. When registration is temporary, the period for providing money may be limited to its duration;
• card number for Bank employees and citizens receiving salaries into an account in Sberbank;
• salary certificate;
• certificate from the place of work;
• declaration for an entrepreneur;
• documents confirming additional income if available;
• real estate documents when using collateral.

Your rating of which bank has the most low interest for a loan, we compile based on open information from banks and use feedback from our readers. The rating of profitable loans is updated 1-2 times a week or as new information becomes available.

When talking about loans, you need to consider the following aspects:

1. Interest rate;
2. Maximum return period;
3. Availability of guarantors and insurance.

The last two points directly affect the first. The higher the interest rate, the fewer conditions there are when issuing a loan.

Please note that you can apply to a number of banks; banks often offer more favorable loan conditions for online applications. It is also worth understanding that the stated lower limit for loans by banks is rarely offered. Alas, even reputable borrowers often receive approval at the highest point in the interest rate delta.

Loan rating 2019

Updated: 10-05-2019 11:21:01

1. Sovcombank: 8.9% - apply >
2. Eastern: 9.9% - apply >
3. SKB Bank: 9.9% - apply >
4. Home Credit Bank: 10.9% - apply >
5. Renaissance: 10.9% - apply >
6. Moscow Industrial Bank: 10.9%
7. Raiffeisenbank: 10.99% - apply >
8. UBRD: 11% - apply >
9. OTP Bank: 11.5% - apply >
10. Ak Bars: 11.5%
11. Alfa Bank: 11.9% - apply >
12. Citibank: 11.9%
13. TinkoffBank: 12% (Maximum approval! Up to 2,000,000 - without certificates, delivered by courier. Up to 300 thousand - to a credit card) - submit an application >
14. Rosbank: 13.5% - apply >
15. Sovcombank: 8.9% (For Halva card holders) - apply >
16. Qiwi Bank: 0% (On an installment card - up to 300 thousand.) - submit an application >

A little practical advice who will help you prepare documents, choose a bank and a loan program:

Where can I get a profitable loan with a good credit history at a low interest rate?

• The very first thing that comes to mind is to contact the bank where you have already taken out and successfully issued a loan. The borrower is already known there, there is a positive story.
• The second option is to contact the bank where it is open.

If both points coincide, great, maybe there is something for you benefit programs, in any case, it is worth discussing the possibility of an attractive rate with a credit consultant.

But often banks, having received a client, are sure that he “will not go anywhere” and are in no hurry to provide more good conditions. Contact another bank, not where yours is salary project and not to the one where you already took out a loan. New bank will check yours, make sure that it is good, and perhaps offer a more loyal percentage to attract a new client.

Another option is to take out a loan where they will definitely give it, pay at least 30% of the loan term, then refinance to large bank at a lower interest rate. The fact that you have already been given a loan and your punctuality and commitment prove your ability to pay and this is a plus in obtaining refinancing.

Loan calculator

Based on available data: amount, interest - calculate your monthly payment and overpayment.

Which bank has the lowest loan interest rates - ratings for past years

1. Cash – Svyaz-Bank – from 10.00%
2. Consumer - Binbank - from 10.49%
3. Consumer for government employees - Promsvyazbank - from 10.90%
4. Personal – Raiffeisenbank – 10.99%
5. Universal - FC Otkritie - from 10.90%
6. For any purpose - Moscow Credit Bank— from 10.90%
7. Pension - Interprombank - from 11.00%
8. Unsecured pension for public sector employees - Revival - 11.40%
9. Consumer without collateral - Gazprombank - from 11.40%
10. Big season - Eastern Bank — 11,50%
11. Refinancing secured by real estate - Moscow Industrial Bank - 11.90%
12. For everything about everything with proof of income - SKB-Bank - from 11.90%
13. Without collateral without proof of income - Bank Uralsib — 11,90%

1. Cash 12% - Sovcombank - from 12.00% (does not require insurance)
2. For any purpose - Moscow Credit Bank - 12.50%
3. Personal – Raiffeisenbank – from 12.90%
4. With collateral, for public sector employees - Gazprombank - 13.50%
5. For military personnel - Zenit - from 13.50%
6. For public sector employees with collateral - Moscow Industrial Bank - 13.50%
7. For any purpose - 48 hours - Alexandrovsky - from 13.90%
8. Consumer guaranteed — — from 13.90%
   up to 399,999
9. Without collateral, for public sector employees - Gazprombank - 14.00%
10. Consumer - Citibank - from 14.00% (does not require insurance)
11. Pension - Rosselkhozbank - 14.50%
12. For state employees, without collateral - Moscow Industrial Bank - 14.50%
13. Money - opportunities for workers budgetary sphere, with security - Russia - from 14.75%
14. Cash – Svyaz-Bank – from 14.90%
15. Cash - VTB Bank of Moscow - from 14.90%
16. Consumer - Promsvyazbank - from 14.90%
17. Promo – OTP Bank – from 14.90%
18. Big money 2.0 – Vostochny Bank – from 14.90%

Sovcombank, Denezhny 12%, from 12%, up to 12 months.
Raiffeisenbank, Personal, from 14.9%, up to 60 months.
Zenit, For military personnel, from 15%, up to 15 years.
Binbank, State employees, 15.9%, up to 60 months.
Promsvyazbank, For public sector employees and civil servants, from 15.9%, up to 84 months.
Gazprombank, Consumer without collateral for public sector employees, 16%, up to 12 months.
Citibank, Consumer, from 16%, up to 60 months.
Rosbank, Just money, from 16.4%, up to 60 months.
Bank of Moscow, Cash, from 16.9%, up to 84 months.

Which bank has the lowest loan interest rates for 2014: top banks with the most low rates for consumer lending:

The following key parameters were set: loan size – 30,000 rubles, loan term – 1 year.
Additional parameters: no collateral or guarantors, for any purpose, proof of income required and no additional fees.

1. Cash loan " The right things" The most profitable proposition the bank offers. The interest rate range starts at 12.9%. Monthly payment amount from 2,678 rubles. I have an opportunity early repayment. The decision on extradition is made within two days.
2. « Credit for purchases"from the bank. The interest rate on the loan is 13%, the amount of the monthly payment is 2,680 rubles. There is a possibility of early repayment.
3. « Special credit» offers GI Money Bank at interest rates from 13.5 - 13.9% with the possibility of early repayment and a monthly payment amount of 2,687 rubles.
4. « Your terms" V . The loan is issued at 14% per annum. The monthly payment amount is 2,694 rubles. There is a possibility of early repayment.
5. « Standard» - loan from with an interest rate of 14.5% and the possibility of early repayment. Every month you will have to pay 2,701 rubles.
6. « Salary loan"Sobinbank offers. The interest rate on the loan is 14.5% per annum, the monthly payment amount is 2,701 rubles. Early repayment is possible.
7. « Consumer loan without collateral"from . The range of interest rates is from 15 – 24.5%. Monthly payment from 2,708 rubles. There is a possibility of early repayment.
8. The National Bank offers a loan " New opportunities» with an interest rate of 15% and a monthly payment amount of 2,708 rubles. It is possible to repay the loan early.
9. suggests " Loan with insurance" You will have to pay 2,721 rubles per month. The interest rate is 15.9% per annum. The loan can be repaid ahead of schedule.
10. « Cash loan"offers Renaissance Credit Bank. Its interest rates are in the range of 15.9 – 74.9%, while the monthly payment amount is 2,721 rubles. The loan can be repaid ahead of schedule.

You can send to many of the banks listed - just follow the link and choose a bank.

BNP Paribas— from 6.9%, loan “No overpayments” up to 450,000 rubles for 36 months, with an annuity repayment system, does not provide for collateral. The loan is issued according to five documents on the day of application.

CB National Investment and Industrial Bank— from 11% per 10,000 rubles, with installments for 3 years. The maximum loan amount is 100,000 rubles. Security is required - collateral.

— from 12.9%, “Necessary Things” loan up to 750,000 rubles is issued in cash on two documents for a period of 5 years, without collateral conditions. Early repayment is allowed on any date.

- from 13%, loan “For purchases”, with a maximum loan amount of 500,000 rubles with installments up to 5 years, without specific requirements for the borrower.

- from 14%, loan “For urgent needs” from 90,000 rubles, with the obligatory condition of insuring the collateral. A one-time fee for issuing a loan of 2% (in the range of 3,000-20,000 rubles) is paid.

The first place among banks with a low interest rate on consumer loans is occupied by and, with 11.9 – 12% per annum, respectively. Conditions are not the best, it is required a large number of documents, guarantors are required. The loan repayment period is only 1 year.

At the second stage, with 14.1%. There is only one relaxation in comparison with the previous couple - the loan term is 2 years. The worst among the studied indicators was

The Main Bank of Russia never ceases to surprise and delight customers by releasing various promotional offers dedicated to the holidays. New Year 2018 was no exception.

Sberbank of Russia offers individuals to obtain a consumer loan at only 12.5%. Let's consider the conditions of the requirements for borrowers.

New Year's loan: conditions

Often, it is during the New Year that stores offer maximum discounts on their goods, which means you need to have time to make all your purchases during the promotion period. But what if you don’t need the amount? Of course, you can borrow money from friends by registering with them. But, if they also do not have extra finances, they cannot do without a loan.

Where to get favorable loan on New Year's Eve?

Of course, in Sberbank of Russia, because the country's main financial institution cannot ignore the needs of its clients. Every year, Sberbank tries to present its clients with more than just a New Year’s gift in the form of an attractive loan offer or an increased interest rate on a deposit.

This year, Sberbank offers individuals to apply for a New Year loan. Let's consider the conditions.

The conditions for obtaining a loan are as follows:

• minimum interest rate on offer " New Year's loan from Sberbank" you can receive 500,000 rubles or more when registering through Sberbank Online;
• maximum amount: 3 million rubles;
• minimum amount: 250,000;
• The maximum term of the New Year consumer loan is 5 years;
• Registration deadline: until January 31, 2018;
• This is a non-target loan;
• Both old or salary clients of Sberbank and new consumers can apply;
• online application takes 5-30 minutes to process;
• An application submitted through the bank is considered within 3 working days.

Interest rate

Required documents

To apply for a “New Year’s” loan from Sberbank to an individual who is a payroll client of this financial organization It is enough to provide passport data. Within 15 minutes after the application is approved, the money will be credited to the borrower’s account.

If a new client wishes to apply for a consumer loan, he must provide the bank with a complete package of documents:

• passport;
• another identification document of your choice;
• income certificate;
• a certified copy of the work book.

You also need to be prepared to have your credit history checked. If there are open overdue loans in other banks, a new loan will be refused, since Sberbank adheres to the policy: “Cooperation only with reliable and solvent borrowers.” The more documents, the higher the likelihood of the request being approved.

A new client can apply online for a “New Year’s” loan and, if approved, come to the bank with a full package of documents.

Methods for receiving money are provided:

• on the map;
• in cash.

The individual indicates the desired option in the application.

Refinancing loans at 12.5%

Sberbank offers individuals who have open loans in other banks, combine debts amounting to up to 3,000,000 rubles into one loan and refinance it with Sberbank at 12.5%.

If the refinanced debt is less than 500 thousand, then the rate will be 12.9%. This offer is also valid only until January 31, 2018.

To obtain approval for refinancing under the New Year's offer, you must provide a complete package of documents identifying the borrower and statements on past loans. This:

• application - questionnaire;
• passport;
• income certificate in form 2 personal income tax;
• work record book or a copy thereof, certified by the employer (work experience at the last place of work must be at least 6 months);
• documents for refinanced loans:
  • agreement,
  • certificates of payments (the loan must be issued at least 6 months ago),
  • certificate of absence of debt from the previous bank.

remember, that Sberbank does not refinance overdue debts , therefore, it is important to pay off all accrued interest from the previous creditor and only then submit an application.

Offer "New Year's Loan" from Sberbank - profitable promotion, allowing you to get money at a favorable interest rate or a loan to pay off old debts at the same rate.

Remember that you can always get money even with bad credit history. Read about who issues such loans and where:

Quick application form

Fill out the application now and receive money in 30 minutes

Sberbank of Russia has extended its campaign to reduce the interest rate on unsecured consumer loans until July 1, 2019. In addition, the bank began to issue loans with guarantees for young people and pensioners. Let's consider how profitable it is to take out loans from this bank today.

Sberbank of Russia has extended the promotion for two months and today offers loans for individuals at a reduced rate. Profitable terms valid until July 1, 2019!

The loan amount within the framework of the promotion varies from 30 thousand to 5 million rubles. Ordinary individuals can receive a loan from Sberbank without collateral or guarantors in the amount of up to 3 million rubles, and salary clients - up to 5 million rubles.

But the rate was reduced by 1 percentage point. As a result minimum bid within the framework of the promotion until July 1, 2019 it is 11.9%.

« At the beginning of spring, we traditionally hold promotions on consumer loans due to the growing demand for this product. During the promotion, we saw that the volume of issues increased by 24% on average monthly, compared to the period before the promotion, and closer to its end, we are pleased to announce that for the first time we decided to extend the promotion for another 2 months. This will allow clients to realize their wildest plans ahead of May holidays and the start of the holiday season" – Says Sergey Shirokov, managing director of Sberbank’s “Borrow and Save” division.

Sberbank loan without guarantors as part of the promotion

Basic conditions

Special conditions if you receive a salary or pension into an account in Sberbank

Sberbank loan with guarantors

This program consumer lending intended for young people and pensioners. Young people aged 18 to 21 and pensioners aged 60 to 80 can receive money through it. The main thing is to find a solvent person who could act as a guarantor when applying for a loan. According to the bank's terms, the guarantor must be over 21 years old and under 70 years old (at the time full refund money).

Loan rates within the spring promotion depend on the amount and term of the loan.

Note that Sberbank does not have any loan fees, and the offer of life insurance, which is voluntary, does not affect the interest rate under the loan agreement.

Look detailed description conditions and interest rates of a loan for refinancing at Sberbank.

General license of the Central Bank of the Russian Federation No. 1481. The information is not a public offer.

Are you thinking about applying for consumer loan to one of the branches of Sberbank of Russia? We invite you to familiarize yourself with the latest information on its proposals in our article, which will outline the main conditions and requirements for borrowers.

This service is represented by several programs, which are divided depending on the category of the borrower, as well as the collateral that he can offer. The amount and percentage approved for you will depend on whether you receive a salary or pension from Sberbank, whether you have taken out a loan here before or not, whether you are ready to provide the bank with additional guarantees of your solvency or not.

What programs are there in 2019

The main conditions are set out below:

• "For any purpose"

Promotion for a cash loan with a reduced interest rate of 11.9% per annum, which can be used until April 29, 2019. They may offer you maximum amount up to 5 million rubles for salary clients on long term up to 5 years, while all other borrowers will be able to count on only 3 million rubles.

What are the features? The conditions will be quite different in terms of interest rates for different categories clients, and the method of submitting the application is also important.

You can save on overpayments if you receive a salary or pension from Sberbank. The following benefits will apply to you:

1. reduction of the base interest by 1 percentage point,
2. application review time - only 2 minutes to make a preliminary decision,
3. The only document you need is a passport of a citizen of the Russian Federation.

Here's how the rates are broken down:

Many of our readers are interested in this particular loan from Sberbank, which involves issuing money for any needs. It is worth noting that you will not receive banknotes in your hands. Once your application is approved, a bank account will be opened for you, to which the agreed amount will be credited. And now you can get cash from your account.

• For owners of private farms

It started operating again in the spring of last year. Issued at a single interest rate of 17%. The amount depends on the duration of the contract, the minimum you can receive is 30 thousand rubles, and the maximum - up to 1.5 million rubles. for one farm.

The term of the agreement is from 3 to 60 months, but in the case of only temporary registration, lending is carried out for a period not exceeding the validity period of the registration. There is no issuance fee; a guarantor from individuals is required. It is required to provide an extract from the household ledger on the accounting of personal subsidiary farming borrower.

• Secured by real estate

Owned by the client - issued for any purpose at an interest rate of 13 to 13.5%. The client will be able to receive a significant amount from 500 thousand to 10 million (no more than 60% of the appraised value) and have the opportunity to return them within 20 years.

The collateral can be Residential Properties, land plot, garage. Let us remind our readers that with this type of lending, you must take into account in the list of expenses property insurance, This required condition execution of the contract. You will find other options in this article.

• Loan with a guarantor

A new offer that appeared in the bank in early spring. This is an attractive loan option for young people aged 18 to 21, as well as for pensioners aged 60 to 80.

It is these categories of citizens who most often face bank refusals for loans due to domestic policy companies. Now the borrower can significantly increase his chances of approval if he brings a guarantor aged 21 years at the time of application and up to 70 years at the time of repayment of the debt.

What conditions do they offer:

1. amount from 30,000 to 3,000,000 rubles,
2. rate from 11.9% to 19.9% ​​per year,
3. decision on the application - from 2 minutes,
4. The loan term is up to 5 years; if one of the parties to the transaction has temporary registration, the agreement is concluded for its validity period.

Note that the guarantor bears the same responsibility as the main borrower, so if the debtor does not pay the loan, this responsibility will pass to the person who vouched for him. They also check your income, employment, and credit reputation.

CALCULATE LOAN:
Interest rate per year:
Duration (months):
Amount of credit:
Monthly payment:
Total you will pay:
Overpayment on loan

You can use our advanced calculator with the ability to build a payment schedule and calculate early repayment on this page.

• For refinancing

A separate service that involves refinancing the client’s existing credit debts. You can combine up to 5 different loans.

What you can refinance:

1. consumer loan or car loan from Sberbank,
2. consumer loan, mortgage, car loan, credit cards other companies
3. In this case, you can receive an additional amount for personal needs.

For these purposes, up to 3 million rubles are issued for a period of up to 5 years, the rate starts from 12.9% to 13.9% per year. Detailed conditions are described in this review.

• For shopping

Not so long ago, a new offer appeared in Sberbank of Russia - receiving credit funds for the purpose of making purchases in online stores. In this case, you do not have to visit a bank branch to register.

• no down payment,
• without overpayment within the installment plan,
• period from 3 to 36 months,
• amount from 3,000 to 300,000 rubles.

You can take advantage of this offer on websites that are partners of Sberbank. To do this, you select the product you need on their website, “put” it in the cart, then “buy on credit”, log in to Sberbank online and leave a request.

How to get a loan?

In order to apply for a consumer loan without collateral, you can submit an online application on the bank’s official website using this link. A similar function is provided for payroll clients from Personal account Sberbank Online systems.

Detailed instructions for filling out an application in your Personal Account:

1. Register in the Sberbank Online system using your phone or at an ATM, receive a login and password,
2. Go to the official website of the bank, look for the help above, look for the “Login” button, click on it,
3. Authenticate using your login and password; in addition, you need to print the code from SMS,
4. In your personal account, find the “Credits” tab,
5. In this section, find the “Fill out online application” button
6. Enter your data into the form, you need to fill in all the empty fields. Copy information from documents very carefully, indicate only reliable data,
7. Check the text for accuracy and submit the form for review.

In all other cases, to fill out the form, you must personally contact the bank branch with a passport and other documents provided for the program you have chosen. You can view them.

What requirements are put forward to the borrower?

From potential client required:

• Russian citizenship,
• permanent or temporary registration,
• age from 21 to 70 years (for people receiving a pension or salary from Sberbank -),
• official employment,
• general seniority– 12 months (does not apply to salary clients and pensioners, for them the period is from 3 months), at the last place of work - from 6 months.

Documents you need are a passport, an employment document (or contract), in form 2-NDFL or in the form of a bank. If your registration is temporary, you need an additional document that confirms this.

For citizens of foreign countries, papers are added that confirm your right to stay on the territory of the Russian Federation. This could be a residence permit, visa + work patent, etc.

The official website of Sberbank provides an online calculator. It lets you know your current rate, approximate amounts of monthly payment and total overpayment. Approximate - because they are not included in the calculations Additional services, in particular, insurance, its cost can only be calculated at the branch.

Why is this necessary? Thanks to the obtained numbers, you will be able to find out your chances of approval of the application.

• If the result obtained is monthly payment is no more than 40-45% of your official income after deducting all mandatory payments, then your application will be approved.
• If the expected contributions are 50% or more of the salary, then the chances are very small. You will need to either reduce the desired amount, or increase the loan term, or look for a co-borrower to increase your total income.

Where can I find a calculator? To do this, you need to follow the link sberbank.ru to the bank’s website, select the “Loans” section at the top and indicate the product you need, for example, “For any purpose.” A new page will open with a description of the program, scrolling through which you will see a calculation form.

All you need to do is enter the numbers of the amount you want to receive and the period within which you plan to repay the debt. Remember that the longer the term, the lower the payment and the higher the total overpayment. If you are a salary client of the bank, be sure to indicate this - your % will decrease.

Look for other posts on this topic.