BPS Bank is largest bank Republic of Belarus. Since 2009 it has been part of joint stock company Sberbank of Russia.
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.
It's time to act with Sberbank - to refinance. From 15.8%. The minimum amount is 300 rubles, the maximum is calculated based on the borrower’s solvency and the amount of repaid loans. Period up to 84 months. Suitable for refinancing consumer, auto, overdraft loans, but no more than 5. See also: how long does it take Sberbank to review loan applications.
You can also issue credit cards:
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: reviews from Alfa Banks clients.
Requirements for the borrower:
To calculate a loan, it is convenient to use the loan calculator on the bank’s website.
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.
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.
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:
Loan rates range from 16.3 to 16.8%, depending on the conditions, which can be found on the website.
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 period borrowed funds is 20 years, and the borrower will require a guarantee in the form of collateral and surety.
Persons aged 18-75 years can count on receiving a loan. If we're talking about For the working-age population, it is important that the borrower has worked in the last place for 6 months and has a stable income. The set of documents is determined individually for each borrower, although in general it is considered universal.
Loans from BPS Bank individuals for the purchase of housing are varied.
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.
A potential bank client can submit an online application for a 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:
The borrower's age must be between 18-65 years. You must work at least 6 months at your last job.
Car loan programs at this financial institution are particularly popular. The financial institution has a “Main Road” program, under which a loan is provided for the purchase of:
A bank loan application 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.
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.
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:
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.
Once you apply for an overdraft, you will have constant access to financial resources. Moreover, the loyalty program offers customers a lot of opportunities:
As you can see, BPS Sberbank offers loans for consumer needs in large quantities.
If you have accumulated debts in other financial institutions, you can easily pay them off using one of the refinancing programs.
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.
Another common type of loans offered by this organization for individuals is an education loan.
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 number of loans and programs offered by Sberbank to its clients is considerable. Downloading a salary certificate for a BPS bank loan will not be difficult for you.
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. And when reforms took place in the banking sector in 1987, the Industrial and Construction Bank of the USSR was formed on its basis. In 1991, the joint-stock commercial institution of the Belarusian Industrial Construction Bank was established.
In 2009, a large strategic investor was attracted to the company. Since then, the management of the Savings Bank of 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.
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.
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:
Loan rates range from 16.3 to 16.8%, depending on the conditions, which can be found on the website.
This program allows you to build a home (single-family individual house or apartment) or improve its appearance. The minimum amount is 5,000 Belarusian rubles, and the maximum amount should not exceed the maximum price of a residential building, which is determined based on the decision of the executive committee. The term of the loan is 20 years, and the borrower will require a guarantee in the form of collateral and surety.
Persons aged 18-75 years can count on receiving a loan. If we are talking about the working-age part of the population, it is important that the borrower has worked in the last place for 6 months and has a stable income. The set of documents is determined individually for each borrower, although in general it is considered universal.
BPS Bank loans to individuals for the purchase of housing are varied.
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.
A potential bank client can submit an online application for a 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:
The borrower's age must be between 18-65 years. You must work at least 6 months at your last job.
Car loan programs at this financial institution are particularly popular. The financial institution operates the Main Road program, under which a loan is provided for the purchase of:
A bank loan application 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 of the vehicle. The price is determined depending on which method of fulfilling obligations is chosen. % rate - from 16.3, and term - up to 7 years.
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.
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:
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.
Once you apply for an overdraft, you will have constant access to financial resources. Moreover, the loyalty program offers customers a lot of opportunities:
As you can see, BPS Sberbank offers loans for consumer needs in large quantities.
If you have accumulated debts in other financial institutions, you can easily pay them off using one of the refinancing programs.
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. The maximum amount is based on the applicant's creditworthiness and includes the remaining principal balance and an additional amount (if desired and necessary). Amount – from 300 rubles, rate – 16.3%, term – up to 7 years.
Another common type of loans offered by this organization for individuals is an education loan.
This is a consumer loan that allows you to get an interesting education, laying the foundation for the future today. The company offers the most attractive terms for such lending:
To download the certificate, you need to select the “Required Documents” section in the tab of the loan you are interested in
Select document and download
The number of loans and programs offered by Sberbank to its clients is considerable. Downloading a salary certificate for a BPS bank loan will not be difficult for you.
Maxim Demchenko
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BPS-Sberbank offers loans to individuals for consumer needs and education. The bank issues loans both without collateral and with collateral in the form of a deposit, real estate, car or with a guarantee.
BPS-Sberbank issues consumer loans under three programs. The borrower can receive a loan for purchases or education.
This option is suitable for borrowers who can provide security in the form of a deposit, real estate or transport.
This loan can be obtained to pay for the education of relatives in the Republic of Belarus. On at the moment no credit is issued.
The credit institution issues loans, both without collateral and with collateral or a guarantee. You can provide real estate, transport or a deposit as collateral. Loan conditions vary depending on the purpose and credit rating.
BPS-Sberbank issues all loans at a rate of 15.8% per annum. The loan rate is floating and depends on the refinancing rate National Bank Republic of Belarus. The loan term depends on the option chosen. A loan for consumer purposes can be issued for a period of up to 5 years. To calculate the available loan amount, you can use the online calculator on the bank’s website.
The client is obliged to pay the loan according to established by the bank graphics. For violation of repayment terms credit institution takes a fine. The amount of the penalty is 0.3% of the amount of debt on interest for each day of delay and 10% of the amount of debt for the body of the loan.
The “Learn Together” loan is issued in the form of a non-revolving credit line. The maximum loan amount under a training agreement is BYN 50,000. Required condition Obtaining this loan requires the presence of one or two guarantors.
The bank sets a minimum loan rate for clients who have insured against an accident or serious illness. Holders of ComPass cards of various categories who sent loan application through the Sberbank Online or Partner Online systems.
BPS-Sberbank imposes requirements on the age and citizenship of the client. In addition, having a permanent place of residence and employment is important. It is desirable that the borrower has a positive credit history.
General list of requirements for potential borrowers:
To make a decision on issuing a loan, BPS-Sberbank requires the client to confirm their social status. When applying for a loan, you will definitely need documents confirming citizenship and income information.
The list of mandatory ones includes:
List of additional documents:
The bank may request other documents if they are required to make a decision. This could be a certificate of ownership, an insurance policy, or a document confirming additional income.
You can submit a loan application in one of two ways - via the Internet, by submitting an online application, or by visiting a bank branch.
A loan application can be quickly submitted on the BPS-Sberbank website. To do this, you need to select a loan product and click on the “Online application” button. Next, you need to select the type of product and fill out the fields of the questionnaire. To submit an application, you need to click “Send to Bank”.
BPS-Sberbank will review the request and report a decision within 2 days.
To find out where the nearest branch of BPS Bank is located, you need to follow the link “Divisions and ATMs” in the header of the site. If you specify a city and select the “Divisions” tab, the service will show the nearest branches on a map or in a list.
Get consumer loan at BPS-Sberbank you can only non-cash. The credit institution issues it in a lump sum, transferring:
If you need to get cash, you can withdraw it from a card or bank account. The commission for cash withdrawals in other currencies is 1.5%.
For the “Learn Together” loan, the bank opens a non-revolving line of credit. After the educational organization issues an invoice for the period of study, you can pay for your studies using loan funds.
BPS-Sberbank requires repayment of the loan amount and interest within the time limits established by the schedule. To pay off your loan on time, you need to choose the right repayment method.
No commission
With commission
You can choose any of these options convenient way repayment of a loan from BPS Bank, suitable in terms of term and cost. It is important to remember that for late payment, the credit institution charges penalties.
BPS-Sberbank offers several consumer loans to individuals. Each product is suitable for solving specific financial tasks. Program “It’s time to act with Sberbank!” helps you quickly get the required amount for purchase. With a “Classic” loan you can get a large sum on bail. If you need money for education, it is convenient to apply for a “Learn Together” credit line.
BPS Bank is the largest bank in the Republic of Belarus. Since 2009, it has been part of the joint stock company Sberbank of Russia.
The bank offers a selection of 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:
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.
The banking organization BPS-Sberbank was formed in 2009, after Sberbank acquired the main stake in BPS-Bank. Today the institution works with legal entities and individuals, providing them with a full range of banking services. Private clients can apply for a BPS Bank loan to purchase a home.
Citizens of the Republic of Belarus have the opportunity to take advantage of one of credit products Belarusian branch of Sberbank. Banking institution provides its clients with both targeted and non-targeted loans. You can take out a loan to purchase a car, pay for education, or cover a previous loan. Of particular interest is the mortgage from BPS-Sberbank.
In total, the bank operates 6 mortgage programs. However, they can all be divided into three types:
Programs vary in the amount of funds provided, interest rates and documentation requirements, so you should consider each program individually.
“Housewarming with Sberbank” is the basic mortgage program of a financial institution. You can take out a loan to purchase real estate on the primary and secondary markets. It is also possible to provide funds for the construction of a separate house. In this case, real estate means not only housing, but also non-residential premises (garages, outbuildings etc.), as well as land plots. You can receive funds without providing a purchase/sale agreement.
To use the program, the borrower will have to contribute some personal funds. The bank is ready to pay no more than 90 percent of total cost housing (accordingly, the minimum down payment is 10 percent). The specific loan size depends on the borrower’s solvency, his credit history, providing collateral and guarantors. The main parameters of the program are as follows:
The income of the borrower's family members may be taken into account when determining the allocated amount. The loan application is processed within 3 days. Repayment occurs by depositing funds every month (before the 20th day). The maximum loan term is no more than 20 years.
If a citizen has decided to purchase an apartment on the primary market and has not yet chosen a specific offer, he can use special conditions lending provided by BPS-Sberbank in cooperation with development companies. As of today, the bank has 4 such programs. The borrower can take advantage of one of the offers that the bank puts forward in cooperation with:
Housing loans from BPS-Sberbank are issued for 20 years. The speed of application consideration and the loan repayment process do not differ from the “Housewarming from Sberbank” program. Financial institution clients pay a reduced interest rate using the programs described above. However, these types of mortgages have a significant drawback.
A lower interest rate reduces the financial burden on the borrower and his family, but the latter can take advantage credit funds to pay for housing only in specific buildings. This in some way limits freedom of choice.
On July 4, 2017, the President of the Republic of Belarus signed decree number 240. It provides for the provision of state support to citizens who want to improve living conditions by purchasing a new home using loans. BPS-Sberbank also takes part in this program.
A mortgage program using government subsidies allows citizens to purchase housing on the primary or secondary market or reconstruct existing real estate. Use a mortgage to purchase land plot or construction non-residential premises it is forbidden.
A special feature of the program is that there is no need to make a down payment. The financial institution pays 100% of the cost of the property. The loan term is 20 years. Part interest rate(14% per annum) is repaid at the expense of government subsidies, which reduces the financial burden on the borrower’s budget.
Borrowed funds are issued to citizens of the Republic of Belarus. Non-resident person of this state, can use the mortgage program only if they have a residence permit in the Republic of Belarus. To receive funds, the borrower must be of legal age. At the time of repayment of the mortgage, the client’s age must not exceed 75 years.
A prerequisite is that the borrower is employed. Work experience at the last job must exceed 6 months. To receive funds, you must provide the following documentation:
Citizens wishing to take advantage of a state subsidy must additionally provide an extract or a copy of the decision of the state body on the assignment of state support. It should be noted that in this case you can submit a certificate of income not for 6, but for 3 months.
Thus, an adult employed citizen of the Republic of Belarus can take out a loan to purchase housing from the financial institution BPS-Sberbank. Persons with a residence permit can also use the bank's services. The institution operates 6 mortgage programs. Lending services are provided with government subsidies. A decision on a potential borrower’s application is made within 3 days.