Consumer credit - interest rate is ... consumer credit in the Savings Bank

Lending firmly established in the life of our fellow citizens as an opportunity to quickly obtain funds to specific needs.Through this service a person does not need to borrow from friends or over the years to save money to make, such as a major acquisition.You can simply go to the bank and arrange a loan, and then give it in small monthly installments.In our country the most popular consumer lending.It's fast, easy and convenient.

What is consumer credit

called the Consumer credit granted to individuals for various acquisitions for domestic, personal and other non-production needs.Usually it is intended for the purchase of goods in which a borrower is in need, but does not currently have the required number of funds.This may be a purchase of real estate, vehicle, home appliances, payment of education, health care, travel vouchers.

Consumer credit - a loan, having a maturity of between three months and five years.The amount is relatively small it is calculated on the basis of the borrower's income.Currency and method of producing self-selected, most Russians prefer to receive the money in cash and in rubles.Consumer credit - a loan that requires a minimum package of documents.Therefore, registration is fast.The main drawback - high interest rates on consumer loans.

Types of loans for consumer purposes

There are several types of consumer credit.They are classified according to different criteria.

form of issue:

• clearing;
• cash;
• credit card.

Maturity:

• short - a consumer loan for a year or less;
• medium term - duration of 1-5 years;
• term - loan for 5 years or more.

method of payment:

• differentiated;
• annuity;
• overdraft on the map.

Availability software:

• unsecured;
• bail;
• the security of property.

Purpose of lending:

• target - for the purchase of a particular product or service;
• untargeted - for urgent needs.

Each type of loan has its own characteristics - the conditions for obtaining, the interest rate for a borrower and so on. D. Besides, is carefully weighed before taking a consumer credit, which bank it is better to issue.

Terms lending Sberbank

Savings Bank - an institution that was established in 1841 and today is a giant Russian banking structure.Consumer lending - one of the most popular of its services.It is characterized by high requirements to validate the client's solvency and favorable interest rates.

in the facility, there are several programs of consumer lending:

• without security;
• against property (transport or real estate);
• to surety bonds;
• to pay for education;
• on special conditions for servicemen.

can receive money by cash or cashless.In addition, in rubles or foreign currency consumer loans issued by Sberbank.The interest rate, the term, the amount depends on the type of loan.The debt is repaid monthly or quarterly.

requirements borrower

Consumer credit - a service for which it is necessary to meet the criteria put forward by the Savings Bank to the borrower:

• age of 18 (if the loan is unsecured, the 21 th) to65;
• positive credit history;
• continuous service of the place of employment of 6 months;
• overall work experience of at least one year;
• presence of a formal income.

Required Documents To apply for a loan, in the department of Sberbank should fill in the questionnaire.It will consider during the week and provide an answer.When making a loan required documents: passport of a citizen of the Russian Federation to the specified location registration form 2-PIT data on place of work, income statement, the documents of the property offered as collateral, or passport person serving surety.The authenticity of all these data is checked very carefully, so you should specify only true information.

Interest Savings Bank

When making consumer credit Savings Bank, like other banks, charges the client interest rate for use of funds.Its size depends on several factors:

• amount and term lending;
• official income and credit history of the borrower;
• have a guarantor or collateral;
• part in client programs of the bank;
• type of credit;
• way of making money (cash, credit card).

The following table shows which offers consumer loans Sberbank.The interest rate on the loan, issued in rubles, as follows:

The table shows that the highest percentage to pay for consumer credit, whichquickly executed and does not require additional software.If you want to get a loan with a lower overpayment, please consult the manager of the Savings Bank.It will prompt the possible ways to reduce the interest rate.

Positive aspects of consumer credit

Before bound by financial obligations, is to evaluate the pros and cons of consumer credit in the Savings Bank.

Due to its advantages, the bank became the largest in Russia and is working with the largest number of customers.

1. stability.Borrowers can be confident that the creditor, because it is supported by the state.
2. Low interest rates.Their charging depends on the type and term lending, as well as the availability of its software.Interest in consumer credit in the Savings Bank is much smaller than in other institutions.
3. possibility of early redemption.For the payment of the loan ahead of schedule, no penalties and commissions are not charged.
4. differentiated payment scheme.Each month, the amount you need to make is reduced.This method of repayment of the loan is most advantageous to the borrower.
5. No hidden fees.Loan terms are transparent.The customer saves money and knows what he paid every ruble.
6. Loan Calculator.With the help of Sberbank posted on the Website service can be independently calculate the interest rate, monthly payment, and so on. D.
7. Attached loan officer.An employee of the bank, which deals with registration of the loan is secured for his client and monitors the repayment of its debt.If you have problems Inspector helps to solve them.

Disadvantages of consumer credit in the Savings Bank

There are some points that borrowers are applied to the shortcomings of consumer credit in the Savings Bank:

• lack of microcredit, the minimum amount - 15,000 rubles;
• demanding and serious verification of documents;
• consideration only the official income of the client;
• mandatory provision (guarantors, pledge).

Consumer credit - is a simple and fast way to get the required item or service.However, it would have to overpay rather big amount, because the interest rates are quite high.Pre is carefully weigh the pros and cons and only then apply for the loan processing.