This is important, first of all, in order to roughly assess your chances of obtaining a loan, as well as to foresee how much you can count on when applying for a loan.

To determine the solvency, the loan officer indicates the client's parameters in the database (or the person does it on his own when applying online). Then the program itself evaluates the specified parameters and issues a solution.

The assessment of the borrower's creditworthiness according to the Sberbank methodology involves dividing potential customers into 3 groups depending on the security of cooperation for the bank in lending matters:

1. There are no doubts about lending.
2. It is necessary to analyze all the pros and cons before granting a loan.
3. Increased risk.

Depending on which group the client will be assigned to, not only will a decision be made regarding the issuance of a loan as such. Also, according to the rules of Sberbank of Russia,

When loans are approved for borrowers at Sberbank, the following will be determined:

• the maximum loan amount that can be immediately received;
• loan terms;
• interest rate.

In the Russian Federation, it is quite possible that Sberbank loans are not provided to everyone on the same terms. The rules of the bank spell out a wide range of interest rates, available amounts. That is why the minimum and maximum values ​​\u200b\u200bare written, since they are determined by the program for each client individually according to the internal criteria of the bank.

It should immediately be determined that the assessment methodology will be more loyal to existing bank customers. If a person has a Sberbank card or at least once a loan agreement was drawn up (closed without delay), then when assessing the borrower's creditworthiness, the chances of obtaining a loan not only increase, but also to issue it on much more favorable terms at a low interest rate.

Solvency assessment rules

There are special programs and rules that allow you to assess the solvency of a person and the potential risk to the bank. Russian legislation does not prohibit refusing to provide funds without explaining the reasons - the answer is formed according to the bank's internal criteria and therefore sometimes even a loan officer may not know the reasons for the refusal. That is why, before applying, it is important to understand what the program focuses on when evaluating a client.
All approval programs and criteria are formed on the basis of many different financial and psychological factors. The main ones include:

• the presence of a stable job and work experience;
• family Children. Usually family people are more responsible in financial matters;
• age. Payers aged 25-55 are considered the most reliable;
• availability of loans, debit accounts with Sberbank;
• property owned.

Even if the client does not require a certificate confirming income, the financial capabilities indicated by him can still be equated to official ones. He signs his questionnaire, thereby confirming the data. In case of any misunderstanding, he will be responsible for false information and therefore only truthful data should be indicated.

Based on this level of income, an acceptable amount is also formed: by default, it is always considered that only those loans can be provided to the borrower, the payments for which do not exceed 40% of the amount of income per month. The only exceptions are mortgages and those loans that are issued by a family person (spouses are jointly and severally liable and therefore their total income can be taken as a basis).

It must be understood that the criteria may differ depending on what type of lending a person is interested in: Sberbank often issues credit cards only to existing customers or to those who have already successfully paid off a consumer loan. But loans for goods provided at points of sale can be very simple to issue.

Additional warranties

During valuation operations, sometimes alternative guarantees are taken into account, which the borrower is ready to provide.

These should include:

• provision of documents for property, on the security of which a loan is taken;
• decoration and health;
• additional guarantor under the contract;
• providing proof of income.

Depending on which additional guarantee document will be provided, the terms of credit will also be determined. For example, on mortgage loans, the interest rate will often be 15-18%. When applying for a loan, the interest rate is reduced by 1%. If you provide a guarantor - another 1%.

Thus, if the borrower wants to get a loan on more favorable terms, then it is better for him to provide additional guarantees to the bank - this will take a little more time, but the benefit will be obvious. In addition, with additional guarantees, you can get a larger amount, as well as increase the chances of getting money on credit.

Further work with the client

In conclusion, it is worth emphasizing that these parameters are relevant only at the initial conclusion of a loan agreement between a person and Sberbank. Further, the conditions will be more loyal if the client proves himself to be a trustworthy borrower. If a person has a debit account with Sberbank, then getting a loan will also be much easier.

Often, a bank may even independently offer customers to receive a credit card or cash in debt.

The amount will depend on the account or the activity of using funds. This applies to credit cards - the limit increases with the active use of funds and making payments without delay. But what is interesting here is that funds in a larger volume will not be provided if the borrower does not use the limit. The bank may increase the limit at its own discretion or in some cases when the client applies.

By the way, even if a regular client of the bank makes delays, but at the same time repays the balance of the loan in the future, taking into account accrued interest and penalties, then in the future the bank will most likely agree to lend to such a person again. It belongs to the 2nd risk assessment group, since as a result the bank received its funds back, as well as the due profit.

You will be interested

To obtain a loan, the Borrower submits the following documents to the Bank:

Application - questionnaire (Appendix 3)

Passport of the Borrower, its Guarantor and/or Pledgor (to be presented);

Table 3

Documents confirming the financial condition of the Borrower and its Guarantor:

	Provided Documents
Working	Certificate(s) of the enterprise where the Borrower and its Guarantor work for the last 6 months in the form 2-NDFL or a certificate in the form of Appendix No. 3. Persons who, in the specified period of time, were accepted to a new place of work in the order of transfer, provide certificates in the form 2-NDFL from the current and previous places of work; In case of providing certificate(s) in the form 2-NDFL, as well as in case of reorganization during the last 6 months of the enterprise where the Borrower and his Guarantor work - an extract from the work book or a copy of the work book certified by the enterprise;
pensioners	Certificate of the amount of the assigned pension from the branch of the Pension Fund of the Russian Federation and / or other state body that pays the pension, according to the forms used by them. If a pensioner receives a pension through the Bank, the certificate is not submitted.
Engaged in entrepreneurial activities without forming a legal entity (PBOYuL), or in private practice, or having another source of income permitted by law (depending on the type of activity)	PBOYuL certificate of registration in the Unified State Register of Individual Entrepreneurs (EGRIP) or a private notary's license, or a lawyer's certificate (presented); The original (presented) or a notarized copy of the permit (license) to engage in certain types of activities, if they are subject to licensing in accordance with applicable law; Tax return for the period according to (submitted); Book of accounting for income and expenses (for PBOYuL paying taxes in accordance with Chapter 26.2 of the Tax Code of the Russian Federation) for a period of at least the last 6 months (submitted); Form 2 of personal income tax for the last tax period (for individuals for whom taxes are paid by tax agents).

Table 4

Period for which a tax return is submitted:

Documents on the provided collateral:

a) when pledging residential premises (depending on the type of residential premises):

Documents confirming the ownership of the residential premises: a transfer agreement, a sale and purchase agreement, an exchange agreement, a donation agreement, etc.;

Certificate of state registration of rights, etc.;

Floor plan of the house, in which the mortgaged dwelling is indicated, indicating its area;

Permissive documents (permission of state bodies for construction, design and estimate documentation agreed in accordance with the established procedure, etc.);

Resolution (act) on the acceptance of a residential building for operation;

Certificate of the value of the object from the BTI or another body that maintains technical records of real estate (provided that it is included in the package of documents for registering a pledge, provided to the bodies that carry out state registration of rights to real estate and transactions with it);

A copy of the financial and personal account;

Extract from the house book;

Extract from the Unified State Register of Rights on restrictions (encumbrances) of the owner's rights to residential premises (mortgage, rent, arrest, etc.) from the bodies that carry out state registration of rights to real estate and transactions with it (it is recommended to demand from the Pledgor);

Notarized consent of all owners, spouse (s) to the transfer of residential premises as a pledge and its possible subsequent alienation; and if there are minors in the family - the appropriate permission of the guardianship and guardianship authorities (in accordance with the requirements of the current legislation);

An insurance policy under which the Bank acts as the Beneficiary, with mandatory annual re-issuance of it for the amount of the assessed value of the collateral, taking into account adjustment factors or debt on the loan and interest due for the period of validity of the insurance contract, if the amount of debt on the loan with interest is less than the estimated value;

Title documents for the land plot on which the residential premises are located, specified in clause c).

b) when pledging non-residential premises:

Title documents for non-residential premises;

Insurance policy under which the Bank acts as the Beneficiary, with mandatory annual renewal;

Document on the territorial boundaries of the land plot (copy of the drawing of the plot boundaries), issued by the Committee on Land Resources and Land Management;

A certificate from the body conducting the registration and technical inventory of real estate, and a floor plan of non-residential premises (provided that it is included in the package of documents for registering a pledge, provided to the bodies that carry out state registration of rights to real estate and transactions with it);

c) when pledging land plots:

Documents confirming the ownership (lease) of the land plot;

Information about the land plot provided by the body engaged in the maintenance of the state land cadastre (cadastral map (plan) of the land plot, etc.);

A document confirming the cadastral value (standard price) of the land plot offered as collateral.

d) when pledging vehicles:

Technical passport (to be presented);

An insurance policy under which the Bank acts as the Beneficiary, with mandatory annual renewal for the full value of the vehicle or for the amount secured by the pledge. The vehicle must be insured against the risk of theft and damage.

e) when pledging securities:

A document confirming the ownership of the pledged securities:

For securities of the Savings Bank of Russia - an extract from the depository or an extract from an account in the register;

For securities of third-party issuers - in accordance with Procedure No. 1310-r /1/.

f) in case of pledge of measured ingots of precious metals:

Measured ingots;

Manufacturer's certificates.

g) when pledging objects of construction in progress:

Document on registration of property rights;

Documents confirming the ownership of the land or ownership of the land on a different right;

Building permit;

Design and estimate documentation;

Documents containing a description of the object of construction in progress.

The list of documents on mortgaged immovable property may be amended or supplemented independently by the Bank in case of adoption of normative acts on mortgage and other normative acts.

Certificates and extracts with a limited validity period may be provided before the conclusion of the pledge agreement.

All owners of joint property accepted as a pledge should be required to obtain a notarized consent to its pledge and to its possible subsequent alienation in order to prevent the possibility of recognizing the pledge agreement as invalid in a judicial proceeding.

Other documents provided for by other regulatory documents of Sberbank of Russia on lending to individuals.

At the discretion of the Bank, the amount of income of the Borrower/Guarantor indicated in the certificate of employment may be confirmed by the subdivision of the Ministry of the Russian Federation for Taxes and Duties at the place of permanent residence (registration) of the Borrower/Guarantor.

The credit officer determines the solvency of the Borrower on the basis of documents confirming the amount of income and the amount of deductions made, and the submitted Application - questionnaire.

The certificate is submitted signed by the head and chief accountant of the enterprise, sealed. If there is no position of chief accountant or other official performing his functions in the state of the enterprise, the certificate can be signed only by the head of the enterprise. In this case, a note must be made on the certificate, certified by the signature of the head: “the position of the chief accountant (another official performing his functions) is absent in the staff of the enterprise.”

When a loan is granted to a pensioner who receives a pension through a bank, solvency is calculated based on the funds actually received on his deposit, to which pension amounts are credited (bank card account), from the bodies providing pensions for the last month on the basis of an extract received from the unit the accounting department exercising subsequent control over deposit operations, or the pension department. In this case, the lending unit, at the request of the Borrower, sends a request to the relevant division of the Bank's accounting department about the amount of funds received on the Borrower's pension contribution from the bodies providing pensions for the last month.

When calculating the solvency of the Borrower:

His average monthly income minus personal income tax is determined:

For employees - based on the data of the certificate (s) in form 2 of the personal income tax or certificate in the form (Appendix No. 3) according to the formula:

D - income minus personal income tax;

Average monthly income - average monthly income for the last 6 months;

The personal income tax rate is the personal income tax rate as a percentage.

The amount of personal income tax indicated in the certificate in form 2-NDFL or in the form of Appendix 3 is reference information and is not used in the calculation.

For pensioners - on the basis of a certificate in the form of a branch of the Pension Fund of the Russian Federation and / or other state body that pays the pension;

For citizens engaged in entrepreneurial activities without forming a legal entity, or in private practice, or having another source of income permitted by law - on the basis of a tax return (for individuals for whom taxes are paid by tax agents - forms 2 of personal income tax for the last tax period). At the same time, the amount of taxes payable according to the declaration is deducted from the income (for individuals whose taxes are paid by tax agents - Form 2 of the personal income tax for the last tax period).

From the resulting value are subtracted:

All mandatory payments specified in Section 8 of the Application - Questionnaire, with the exception of personal income tax (if income is confirmed by a certificate in the form of Appendix No. 3, then all deductions made from income indicated in it must be reflected in Section 8 of the Application - questionnaires);

Liabilities on other loans (loan applications under consideration), but not less than:

50% of the established overdraft limits for bank cards.

10% of loan liabilities, the maximum amount of which is determined by the Bank without calculating the solvency of the Borrower, based on the provided security in the form of measured precious metal bars;

20% of loan liabilities, the maximum amount of which is determined by the Bank without calculating the solvency of the Borrower, based on the provided security in the form of a pledge of securities;

Liabilities according to credit reports of BKI in the amount of:

Loan payment determined by the formula:

			P annual
		P annual

Pl - payment on the loan (for liabilities denominated in foreign currency, the recalculation is carried out in the ruble equivalent at the rate established by the Bank of Russia on the day the payment on the loan is calculated),

P annual - annual interest rate (in percent per annum). The value of the annual interest rate is established by a separate administrative document of an authorized member of the Management Board of Sberbank of Russia,

S is the loan amount,

T is the loan term (in months);

10% credit card limit;

Obligations under the guarantees provided, incl. for loan applications under consideration (except for guarantees issued under Regulation No. 285-5-r /2/), each of which is accepted in the amount of 50% of the average monthly payment for the corresponding principal obligation.

When determining the size of the average monthly obligation of the Borrower for an existing loan repaid in differentiated payments, its obligations are taken into account:

For interest - in the amount of the due payment on interest accrued on the actual balance of the loan debt, which is determined by the formula:

For principal debt:

For loans with monthly principal repayment - in the amount of the established multiple monthly payment;

For loans with periodic principal repayment - in the amount of the established multiple payment divided by the number of calendar months included in the relevant payment period;

For loans with a one-time repayment and repayment according to the schedule - in the amount calculated on the basis of the balance of the loan debt on the loan and the remaining term of the loan in calendar months. Wherein:

Part of the month in which the Borrower submitted a loan application, starting from the date of its submission and ending with the last day of this month (inclusive), is not taken into account in the calculation;

The last month of the term of the contract is taken into account as a full month.

When determining the amount of the average monthly obligation of the Borrower on the existing loan repaid by annuity payments, its obligations are taken into account in the amount of the monthly annuity payment. If the frequency of annuity payments differs from monthly (quarterly, etc.), then for the purposes of calculation, the amount of the monthly obligation is determined by dividing the annuity payment by the number of months included in the payment period.

The solvency of the Borrower is determined at the time of his application to the Bank as follows:

R \u003d Dh * K * t, where

Dch - average monthly income (net) for 6 months, minus all obligatory payments (for pensioners - the amount of pension they receive).

The amount of net income of citizens engaged in entrepreneurial activities without forming a legal entity, or in private practice, or having another source of income permitted by law, is determined on the basis of financial documents provided by them in accordance with this Procedure.

K - coefficient depending on the value of Dh

K \u003d 0.6 with Dh in the amount of up to 45,000 rubles (or the equivalent of this amount in foreign currency) (inclusive);

K \u003d 0.7 with Dh in the amount of more than 45,000 rubles up to 70,000 rubles (inclusive) (or the equivalent of these amounts in foreign currency);

K \u003d 0.8 with Dh in the amount of more than 70,000 rubles (or the equivalent of this amount in foreign currency)

t - loan term (in months).

The equivalent income is defined as follows:

K=
Foreign exchange rate

If during the expected term of the loan (with differentiated payments) the Borrower enters retirement age, then his solvency is determined as follows:

P \u003d Dch1 * K1 * t1 + Dch2 * K2, * t2, where

Dch1 - average monthly income, calculated similarly to Dh,

t1 - crediting period (in months) attributable to the working age of the Borrower,

Dch2 - the average monthly income of a pensioner (due to the lack of documentary evidence of the size of the future pension of the Borrower, it is taken equal to the size of the basic part of the labor pension (including indexation) established by Federal Law No. 173-FZ of December 17, 2001 “On labor pensions in the Russian Federation”) ,

t2 - crediting period (in months) attributable to the retirement age of the Borrower,

K1 and K2 are coefficients similar to K, depending on the values ​​of Dch1 and Dch2.

The month in which the Borrower enters the retirement age must be referred to the working period.

For calculation purposes:

calendar months are used;

part of the month in which the Borrower submitted a loan application, starting from the date of its submission and ending with the last day of this month (inclusive), is not taken into account in the calculation;

the last month of the crediting period is counted as a full month.

For certain categories of Borrowers entering retirement age during the proposed term of the loan, but receiving in connection with their professional activities a permanent income that is not pension payments, or whose pension provision procedure

differs from the generally established in accordance with certain norms of the current legislation of the Russian Federation, the values ​​(Dch2), (t1) and (t2) are set taking into account the indicated norms. The fact that the relevant norms of the legislation of the Russian Federation apply to a particular Borrower is determined taking into account the opinion of the Legal Department.

When a loan is granted to the Borrower on the terms of repayment by a third party - a solvent enterprise of a part of the Borrower's debt obligations under the Loan Agreement in accordance with the Cooperation Agreement concluded with it, the calculation of the Borrower's solvency and determination of the maximum loan amount is carried out by the Bank in accordance with the requirements of this Procedure.

When granting a loan in rubles, solvency is calculated in rubles. When granting a loan in foreign currency, solvency is calculated in foreign currency.

The maximum amount of the loan provided (SP) is determined based on the solvency of the Borrower (P) at the time of his application to the Bank.

t is the loan term (in whole months).

The obtained value of the maximum loan amount is adjusted downward, taking into account the provided collateral for repayment of the loan and other factors due to the socio-economic characteristics of the Borrower and the region of his residence.

At the same time, the total collateral must cover the amount of the loan and interest due for its use for a period of at least one year (if the loan is granted for a period of up to 1 year - interest for the period established by the Loan Agreement), i.e. when calculating the maximum amount of the loan provided, based on the total collateral (O) in the formula:

the period (t) during which the assessed value of the collateral, taking into account the adjustment coefficients, or the amount of the total collateral must cover the amount of the loan and the interest due for its use, is established as follows:

If the loan is granted for a period of up to 1 year, (t) is taken equal to the loan term (in whole months)

In other cases (t) is taken as 12 months.

In order to determine the maximum loan amount that can be granted to the Borrower, it is necessary:

Make a calculation and;

Compare value and. In this case, the maximum loan amount should not exceed the smaller of the compared values.

Consider an example. Suppose a borrower decides to apply to Sberbank for a mortgage loan to purchase an apartment.

General information about co-borrowers:

Co-borrower Shkatov Ivan Viktorovich (husband)

Date of birth: 03/12/1977 Age: 32 years

Place of employment: LLC "Unior Professional Tools"

Payroll: no

Position (profession): CEO

Work experience: since 01/08/2005

Higher education

Marital status / Family composition: married / spouse

Real estate:

100% ownership of a 3-room apartment with a total area of ​​69.7 sq.m., located at the registration address

100% ownership of a 1-room apartment with a total area of ​​41 sq.m., located at the address: St. Petersburg, Komendatsky pr.

Vehicle: BMW 525, year 2008

Other property: no

1.2 Co-borrower - Parshakova Olga Vladimirovna (wife)

Date of birth: 05/30/1983 Age: 26 years old

Address of registration / residence: St. Petersburg, pr. Aviakonstruktorov, 44, building 3, apt. 15

Place of employment: OJSC NW Telecom

Salary project: valid from 22/03/2004

Salary card: no (has a salary card in Svyaz Bank)

Position (profession): leading specialist

Work experience: since 05/14/2008

Higher education

Marital status / Family composition: married / spouse

Number of dependents: no

Availability of property owned by the co-borrower on the right of ownership:

Property: no

Car: no

Other property: no

Credit deal parameters

Type of loan - Housing, "Mortgage +" under the program "Young Family"

The purpose of obtaining a loan is the construction of a real estate object

Loan term (in whole months) - 322 months

Interest rate:

From 16.00% to 15.25% per annum (depending on the down payment) - before mortgage registration;

From 14.50% to 13.75% per annum (depending on the down payment) - after registering a mortgage

Security:

Pledge of property rights of the Co-borrowers, under the Construction Investment Agreement - for the period until the registration of ownership of the real estate object (according to the concluded Cooperation Agreement No. 47-i dated July 22, 2009 between YIT St. Petersburg CJSC and the North-Western Bank of Sberbank of the Russian Federation );

Suspensive conditions:

providing documents on the real estate object under construction.

Special conditions: no

Credit history of co-borrowers:

in the North - Western Bank of the Security Council of the Russian Federation is absent.

Obligations of co-borrowers to the Sat of the Russian Federation in aggregate: 0.00 rubles

The maximum possible loan amount, the right to make a decision on which does not go beyond the powers granted to the territorial Bank:

RUB 30,000,000.00

Information about the income of co-borrowers:

1) Net average monthly income of the Co-borrower Shkatov I.V. at the main place of work: 133,578.21 rubles.

Net additional average monthly income part-time: no

Table 5

Obligations according to BKI:

Number of contracts		Total volume of loans received under open loan agreements	Information on overdue debts (for the period of determining credit history)			Total payment under all open loan agreements closed
open	closed		number of cases	open
		149950.00 rubles credit card			RUB 14995.00

The co-borrower plans to close the credit card at CJSC VTB 24, and will provide a certificate of closing the card.

The amount of income from the main place of work, minus card obligations: 118,583.21 rubles.

2) Net average monthly income of the Co-borrower Parshakova O.V. at the main place of work: 51,820.30 rubles.

Net additional average monthly income: no

Liabilities on loans received and guarantees provided: no

Table 6

Obligations according to BKI:

The amount of income from the main place of work, minus all obligations: 51,820.30 rubles.

The total income of the Co-Borrowers at their main place of work, net of all liabilities: RUB 170,403.51.

Solvency of co-borrowers: RUB 43,895,942.91

Maximum loan amount: RUB 13,921,960.96

Monthly loan payment (1st full month) from the amount of 11,525,000.00 rubles:

RUB 155,856.83 (91.46% of the net average monthly income of the Co-Borrowers).

Net income remaining at the disposal of the Co-Borrowers after payment of the payment on the loan in question: 14,546.68 rubles. (for a family of 2).

Net income remaining at the disposal of the Co-Borrowers (subject to the provision of a certificate from VTB 24 CJSC on closing a credit card) after payment of the payment on the loan in question: 29,541.68 rubles. (for a family of 2).

3. Loan security:

Information about the pledge:

Reservation of an apartment: Help about the reservation

- No. 0207S0118 dated February 4, 2010: “1-room apartment with a total area of ​​​​55.6 sq.m., located at the address: St. Petersburg, Petrogradsky district, Barochnaya st., 12/76, letter B. Developer: CJSC YIT St. Petersburg, until February 22, 2010;

- No. 0207S0117 dated February 4, 2010: “1-room apartment with a total area of ​​​​55.5 sq.m., located at the address: St. Petersburg, Petrogradsky district, Barochnaya st., 12/76, letter B. Developer: CJSC YIT St. Petersburg, until February 22, 2010.

Subject of pledge/characteristic:

- “1-room apartment with a total area of ​​55.6 sq.m., located at the address: St. Petersburg, Petrogradsky district, Barochnaya st., 12/76, letter B. Developer: CJSC YIT St. Petersburg”, until February 22, 2010;

- “1-room apartment with a total area of ​​55.5 sq.m., located at the address: St. Petersburg, Petrogradsky district, Barochnaya st., 12/76, letter B. Developer: CJSC YIT St. Petersburg”, until February 22, 2010.

Pledgers: Shkatov Ivan Viktorovich, Parshakova Olga Vladimirovna

The cost of the apartment, according to the Certificate of booking the apartment:

RUB 7,209,930.00

RUB 7,196,962.50

Total: 14,406,892.50 rubles

Correction factor: not applicable

Security deposit:

RUB 7,209,930.00

RUB 7,196,962.50

Total: 14,406,892.50 rubles

Additional information:

1. The amount of the loan is 11,525,000.00 rubles and the interest due for its use in the amount of 1,844,000.00 rubles for a period of one year is 13,369,000.00 rubles;

2. Co-borrower Shkatov I.V. involves sole registration at the place of permanent residence in the acquired property.

3. Own funds will amount to 2,881,892.50 rubles (20.00%) of the value of the Property (accumulation).

4.conclusion of the security unit (No. 23-14/07/892 dated February 10, 2010):

1. General information about the essence of the application:

Requested loan amount: RUB 11,525,000.00

Loan term: 322(months)

Purpose of lending: - Acquisition, construction and reconstruction of real estate (purchase of two one-room apartments under the Mortgage + program).

2. General information about the co-borrower:

Surname, Name, Patronymic: Shkatov Ivan Viktorovich (husband of Parshakova O.V.)

Contact phones: work. 4498350, house. 3438282, mob. 9219609247;

Name of the employing organization: Unior Professional Tools LLC TIN 7810030006

Position: General Director

Average monthly income for the last 6 months: 153,537 rubles.

3. General information about the co-borrower:

Surname, name, patronymic: Parshakova Olga Vladimirovna (wife of Shkatov I.V.)

Contact phones: work. 7199293, house. 3438282, mob. 9215959025;

Name of the employing organization: OJSC S-Z Telecom, TIN 7808020593

Position: Leading Specialist

Average monthly income for the last 6 months: 59,563 rubles.

Availability of credit history: we do not have information about the availability of loans in other banks.

The co-borrowers submitted a Certificate issued by YIT St. Petersburg CJSC on reservation for Shkatov I.V. and Parshakova O.V. one-room apartment with a total area of ​​55.6 m2 at the address: St. Petersburg, st. Barochnaya, 12/76, letter "B", conditional apartment number 95 and a one-room apartment with a total area of ​​​​55.5 m2 at the address: St. Petersburg, st. Barochnaya, d. 12/76, letter "B", conditional apartment number 96.

As a result of the verification of the submitted documents, it was established that the passport data, addresses of registration, actual residence and other information indicated in the questionnaire of co-borrowers correspond to reality.

The information specified in the certificates of income of co-borrowers and the amount of deductions made are reliable. Employees are paid on time. The fact of registration of enterprises-employers of co-borrowers, their location at the addresses indicated in the constituent documents is confirmed. No negative information was received in relation to these organizations, the reliability of co-borrowers during the audit.

Verified persons in the current "STOP-LISTS", the List of borrowers of Sberbank, the provision of services to which is recognized as inappropriate and in the Register of persons who have proven themselves negatively when working with the North-West Bank of Sberbank of Russia, do not appear.

An on-site inspection was carried out at the place of work of the co-borrower Shkatov I.V.

An on-site inspection at the place of work of the Borrower was not carried out, because the number of employees at the employer is more than 50 people.

Based on the foregoing, the issuance of a loan to Shkatov I.V. and Parshakova O.V., UBiZ considers it possible.

Conclusion of the legal department: The legal department does not object to the provision of a loan to Ivan Viktorovich Shkatov, Olga Vladimirovna Parshakova.

Conclusion of other divisions: no.

7.conclusion of the department of lending to private clients

The Department of Lending to Private Clients considers it possible to provide a Housing Loan (“Mortgage +”) under the “Young Family” program for participation in shared construction of the following Objects:

1-room apartment with a total area of ​​55.6 sq.m., located at the address: St. Petersburg, Petrogradsky district, Barochnaya st., 12/76, letter B;

1-room apartment with a total area of ​​55.5 sq.m., located at the address: St. Petersburg, Petrogradsky district, Barochnaya st., 12/76, letter B

Co-borrowers Shkatov Ivan Viktorovich, Parshakova Olga Vladimirovna in the amount of 11,525,000.00 rubles, at 16.00% per annum; after providing the bank with a properly executed document confirming the state registration of the mortgage of the property in favor of the Bank at 14.50% per annum for a period of 322 months.

The result of the visual assessment of Clients: positive

The result of the visual assessment of the submitted documents: positive

Degree (level) of risk: absent.

Suggested solution:

Grant the right to the Central OSB No. 1991 to conclude a loan agreement with Shkatov Ivan Viktorovich, Parshakova Olga Vladimirovna on the following terms:

Type of loan - Housing ("Mortgage +") under the "Young Family" program

The purpose of the loan is to participate in the shared construction of the Real Estate Object –

1-room apartment with a total area of ​​55.6 sq.m., located at the address: St. Petersburg, Petrogradsky district, Barochnaya st., 12/76, letter B;

1-room apartment with a total area of ​​55.5 sq.m., located at the address: St. Petersburg, Petrogradsky district, Barochnaya st., 12/76, letter B

Interest rate:

16.00% per annum - before mortgage registration;

14.50% per annum - after registering a mortgage

Loan term - 322 months

Loan repayment method: annuity payments

Loan amount - 11,525,000.00 rubles

Security:

Pledge of property rights of co-borrowers, under the Construction Investment Agreement - for the period until the registration of ownership of the real estate object (according to the concluded Cooperation Agreement No. 47-i dated July 22, 09 between YIT St. Petersburg CJSC and the North-Western Bank of Sberbank of the Russian Federation );

Pledge of Housing - is issued after the completion of construction and registration of ownership of it, with mandatory insurance of the collateral in favor of the Bank;

Suspensive conditions:

One-time payment (tariff) for issuing a loan: in the amount of 1.5% percent of the amount of the loan provided (but not less than 10,000.00 rubles and not more than 30,000.00 rubles), which will amount to 30,000.00 rubles;

Provide documents confirming the availability of own funds of co-borrowers 2,881,892.50 rubles (20.00% of the value of the property), which is the difference between the value of the property and the amount of the loan.

Special conditions: issuance of a loan after the provision of a certificate from VTB 24 CJSC on closing a credit card.

Thus, in mortgage lending, Sberbank analyzes solvency and underwriting, while in consumer and car loans it analyzes creditworthiness using scoring with a mandatory analysis of credit history. This allows the bank to have the highest quality loan portfolio today.

To the Regulations for the provision of loans to legal entities by Sberbank of Russia to determine the financial condition and degree of creditworthiness of the borrower.

To determine the creditworthiness of the borrower, a quantitative (assessment of the financial condition) and qualitative risk analysis is carried out. The purpose of the risk analysis is to determine the possibility, size and conditions for granting a loan.

The assessment of the borrower's financial condition according to the Sberbank methodology is made taking into account trends in changes in the financial condition and factors influencing these changes. To this end, it is necessary to analyze the dynamics of estimated indicators, the structure of balance sheet items, the quality of assets, the main directions of the economic and financial activities of the enterprise.

Evaluation of the coefficient calculation results consists in assigning a category to the Borrower for each of these indicators based on a comparison of the obtained values ​​with the established sufficient ones.

Table 1. The system of financial ratios used by Sberbank of Russia in assessing the creditworthiness of a borrower

Indicator	Designation	Calculation according to the forms of financial statements
Absolute liquidity ratio	K1	Cash / [Current liabilities total - Deferred income - Reserves for future payments]
Critical Appraisal Ratio (Intermediate Coverage Ratio)	K2	[Cash + Short-term financial investments + Accounts receivable due within 12 months] / [Short-term liabilities total - Deferred income - Provisions for future payments]
Current liquidity ratio	K3	Current assets total / [Current liabilities total - Deferred income - Reserves for future payments]
Ratio of own and borrowed funds	K4	Capital and reserves total / [Long-term liabilities total - Short-term liabilities total - Deferred income - Reserves for future payments]
Profitability, %	K5	(Profit from sale / Proceeds from sale) x 100%

The inclusion of three liquidity ratios in the model is not accidental and is determined by their importance in assessing current creditworthiness. In case of investment lending, an analysis of the business plan is additionally carried out.

Evaluation of the results of K1-K5 calculations consists in assigning a category to the borrower for each of these indicators based on a comparison of the obtained values ​​with empirically established sufficient ones. Further, the sum of points for these indicators is determined taking into account their coefficient weights. In accordance with the amount of points received, the rating or class of the borrower is determined.

The breakdown of indicators into categories depending on their actual values ​​is presented in Table 2.

Table 2. Determination of the category of creditworthiness of the borrowing organization of Sberbank

S = 0.11 x K1 + 0.05 x K2 + 0.42 x K3 + 0.21 x K4 + 0.21 x K5

S = 1 or 1.05 - the borrower can be assigned to the first class of creditworthiness;

S more than 1.05, but less than 2.42 - corresponds to the second class;

S equal to or greater than 2.42 - corresponds to the third class.

At the same time, lending to first-class borrowers is usually not in doubt, lending to second-class borrowers requires a balanced approach from the bank, and lending to third-class borrowers is associated with increased risk and is rarely practiced by Sberbank.

In addition to the quantitative, a qualitative analysis of the creditworthiness of the enterprise is carried out. A qualitative analysis of the creditworthiness of an enterprise is based on the use of information that cannot be expressed in quantitative terms. For this analysis, information provided by the borrower and other organizations is used.

DKB. Lending organization

Purpose: to gain practical skills in assessing the borrower's creditworthiness.

1. Methodology for assessing the level of creditworthiness of the borrower based on the analysis of the parameters of its financial condition.

2. Interpretation of the parameters and conditions of the business plan in the process of preparing a loan application.

Analysis of the parameters of its financial condition of the organization:

Methodology for determining the creditworthiness of a borrower based on the developments of the Security Council of the Russian Federation

Assessment of the Borrower's creditworthiness according to the methodology of Sberbank of the Russian Federation

The methodology was developed on the basis of the Appendix to the Rules for granting loans to legal entities by Sberbank of Russia to determine the financial condition and creditworthiness of the Borrower. The purpose of the risk analysis is to determine the possibility, size and terms of the loan.

Quantitative Analysis is made taking into account the trends characterizing the change in the financial condition of the enterprise and the factors influencing these changes.

For this purpose, the dynamics of estimated indicators, the structure of balance sheet items, the quality of assets, and the main directions of the economic and financial policy of the enterprise are analyzed.

Qualitative Analysis based on the use of information that cannot be expressed in quantitative terms. To conduct such an analysis, information provided by the Borrower, the bank's security unit and database information is used.

Due to the fact that the qualitative risk analysis is based on subjective factors, which, due to their diversity and without the availability of specific information for each analyzed enterprise, cannot be systematized at this stage, qualitative analysis is not considered within the framework of this methodology.

2. Assessment of the financial condition of the Borrower. To assess the financial condition of the Borrower, three groups of performance indicators are used: liquidity ratios; equity ratio (financial stability); turnover and profitability indicators.

Table: Key performance indicators of the Sberbank methodology
№	Name of indicator	Calculation method	Explanation
1.	K 1 Absolute liquidity ratio	K1= (f.1)	- shows what part of short-term debt obligations can be repaid, if necessary, at the expense of available funds, funds in deposit accounts and highly liquid short-term securities. - when calculating the coefficient on line 253, only government securities, securities of the Savings Bank of Russia and funds on deposit accounts are taken into account. In the absence of relevant information, line 253 is not taken into account when calculating K1.
2.	K2 Intermediate coverage ratio (quick liquidity ratio)	K2= (f.1)	-characterizes the ability of the enterprise to quickly release cash from economic circulation and pay off debt obligations.
3.	K3 Current liquidity ratio (total coverage ratio)	K3= (f.1)	- gives a general assessment of the liquidity of the enterprise, the calculation of which includes all current assets in the numerator
4.	K4 Equity ratio	K4= (f.1)	- shows the share of the company's own funds in the total amount of the enterprise's funds.
5.	K5 Profitability of products (or profitability of sales)	K5= (f.2)	- shows the share of profit from sales in the proceeds from sales.
6.	K6 Profitability of the enterprise	K6= (f.2)	- shows the share of net profit in sales proceeds.

The above coefficients K1, K2, K3, K4, K5 and K6 are the main estimated indicators.

Other indicators of turnover and profitability are used for general characteristics and are considered as additional to the first six indicators.

The turnover of various elements of current assets and accounts payable is calculated in days based on the volume of daily sales (one-day sales proceeds).

Daily sales volume is calculated by dividing sales revenue by the number of days in the period (90, 180, 270, or 360).

Average (for the period) values ​​of current assets and accounts payable are calculated as the sum of half values ​​for the beginning and end dates of the period and full values ​​for intermediate dates, divided by the number of terms, reduced by 1.

Turnover of current assets: average cost of current assets (line 290 f.1) / daily sales volume

Accounts receivable turnover: average value of accounts receivable (line 230 + 240 f.1) / daily sales volume

Inventory turnover: average inventory value (line 210 f.1) / daily sales volume

Similarly, if necessary, the turnover indicators of other elements of current assets (finished products of work in progress, raw materials and materials) and accounts payable can be calculated.

Evaluation of the results of calculations of six coefficients consists in assigning a category to the Borrower for each of these indicators based on a comparison of the obtained values ​​with the established sufficient ones (table "Differentiation of indicators by categories").

Sufficient values ​​of indicators:

• K1 - 0.1
• K2 - 0.8
• K3 - 1.5
• K4 - 0.4 - for all Borrowers, except for trade enterprises
• 0.25 - for trade enterprises
• K5 - 0.10
• K6 - 0.06

Table: Calculation of the sum of points
Indicator	actual value	Category	Indicator weight	Point calculation
K 1			0,05
K 2			0,10
K 3			0,40
K 4			0,20
K 5			0,15
K 6			0,10
Total:	X	X

The formula for calculating the sum of points S has the form.

JSC "Arsenal" (EXAMPLE)

as of 01.01.2015

The methodology was developed on the basis of the Appendix to the Regulations for the provision of loans to legal entities by Sberbank of Russia to determine the financial condition and creditworthiness of the Borrower [ Regulations for granting loans to legal entities and individual entrepreneurs by Sberbank of Russia and its branches. With add. and rev. No. 285-3-r dated 06/30/2006].

To determine the creditworthiness of the borrower, a quantitative (assessment of the financial condition) and qualitative risk analysis is carried out.

The purpose of the risk analysis is to determine the possibility, size and terms of the loan. The assessment of the borrower's financial condition is made taking into account trends in changes in the financial condition and factors influencing these changes.

Quantitative Analysis is made taking into account the trends characterizing the change in the financial condition of the enterprise and the factors influencing these changes.

For this purpose, the dynamics of estimated indicators, the structure of balance sheet items, the quality of assets, and the main directions of the economic and financial policy of the enterprise are analyzed.

Qualitative Analysis based on the use of information that cannot be expressed in quantitative terms. To conduct such an analysis, information provided by the Borrower, the bank's security unit and database information is used.

Due to the fact that the qualitative risk analysis is based on subjective factors, which, due to their diversity and without the availability of specific information for each analyzed enterprise, cannot be systematized at this stage, qualitative analysis is not considered within the framework of this methodology.

To assess the financial condition of the Borrower, three groups of performance indicators are used:

• liquidity ratios;
• equity ratio;
• turnover and profitability indicators.

All groups are evaluated using six coefficients: K1, K2, K3, K4, K5, K6. Evaluation of the results of calculations of six coefficients consists in assigning a category to the Borrower for each of these indicators based on a comparison of the obtained values ​​with the established sufficient ones. Further, the sum of points for these indicators is determined in accordance with their weights. An estimate based on six factors is presented below.

Other indicators of turnover and profitability are used for general characteristics and are considered as additional to the first six indicators.

The provisional rating determined on the basis of six coefficients is adjusted taking into account other indicators and the qualitative assessment of the Borrower. If these factors have a negative impact, the rating can be reduced by one class.

In accordance with the methodology, enterprises are divided into three classes of creditworthiness:

• 1st class - lending to which is beyond doubt (sum of weighted scores S<= 1.25 );
• Grade 2 - lending requires a balanced approach (the sum of the weighted scores is 1.25< S <= 2.35 );
• Grade 3 - lending is associated with increased risk (sum of weighted scores S > 2.35).

An obligatory condition for classifying the 1st class is the value of the coefficient K5 at the level established for the 1st class of creditworthiness.

An obligatory condition for being assigned to the 2nd class is the value of the K5 coefficient at a level not lower than for the 2nd class of creditworthiness.

The main estimated indicators of the methodology of Sberbank of the Russian Federation

Indicators	Values			Coefficient Category		Indicator weight
	01.01.2014	01.01.2015	change	01.01.2014	01.01.2015
1	2	3	4	5	6	7
	0.233	0.413	0.18	1	1	0.05
	0.541	0.88	0.339	2	1	0.1
	1.385	2.009	0.624	2	1	0.4
	0.445	0.625	0.18	1	1	0.2
	-0.009	0.096	0.105	3	3	0.15
	-0.016	0.073	0.089	3	1	0.1

Assessment of the creditworthiness class of the borrowing enterprise
according to the methodology of Sberbank of the Russian Federation

Indicators	Weighted scores		Structure, %
	01.01.2014	01.01.2015	01.01.2014	01.01.2015	change
1	8	9	10	11	12
K1 Absolute liquidity ratio	0.05	0.05	2.5	3.846	1.346
K2 Intermediate coverage factor	0.2	0.1	10	7.692	-2.308
K3 Current ratio (total coverage ratio)	0.8	0.4	40	30.769	-9.231
K4 Equity-to-borrowing ratio	0.2	0.2	10	15.385	5.385
K5 Profitability of products (or profitability of sales)	0.45	0.45	22.5	34.615	12.115
K6 Profitability of the enterprise	0.3	0.1	15	7.692	-7.308
Total score	2	1.3	100	100	-0
Credit class	3	3

as of 01.01.2014	as of 01.01.2015
Coefficient 1 category 2 category 3 category K1 K2 K3 K4 K5 K6		Coefficient 1 category 2 category 3 category K1 K2 K3 K4 K5 K6

The overall creditworthiness score of the organization under study as of 01.01.2014 is 2. The organization belongs to the third class of creditworthiness. Issuing a loan is associated with great risk.

The overall creditworthiness score of the organization under study as of 01/01/2015 is 1.3. The organization belongs to the third class of creditworthiness. Issuing a loan is associated with great risk.