often the only way to resolve the financial misunderstanding are loans "Savings Bank" to individuals.It is tempting at this lender is not only ubiquitous branch network and offices Stepping accessibility, but also the conditions of borrowing.What can attract consumer credits in the "Savings Bank" and what are they?
What good cash loans from the "Savings Bank"?
purpose loans "Savings Bank" individuals are pretty attractive offer.Especially when you consider that this financial giant did not try to hide and take over these tariffs.The stakes are low and there are no additional fees.
On top of that available to private clients large sums on personal objectives with the obligation of repayment over a long period.There are different levels of return guarantees: "Savings Bank" Russian loans to individuals issues and does not provide, and with the need to attract guarantors or draw liquid assets as collateral.From these criteria, and determines the cost of borrowed funds here.
to benefit from financing transactions affecting their needs and degree of familiarity with the borrower's bank.The most generous "Savings Bank" to those who receive it the salaries and pensions, work in accredited organizations, and large corporations have contributed either previously used credits.Discounts from the base size of the rate may be as high as 1-2 percentage points offered "for the" "Savings".Loans to individuals, the action of which is always the case, it could cost even cheaper due to seasonal decline in rates.
What gives cash loans "Savings Bank" to private individuals?
Loan program the most important bank in the country can be divided into three groups according to the type of the requested software:
- Loans "Sberbank" individuals without any collateral.It does not even need insurance, and only need to document their strong financial position and employment.Amount - up to one and a half million rubles.Term of return of the funds requested can stretch to 5 years.The rate will also vary between 17-21,5% per annum.
- loan with a guarantee.As a co-signer can be any solvent relative or acquaintance.Having a second actor increases the maximum amount of the loan up to 3 million rubles. And the term will remain the same - up to five years.Interest may reach 16,5-20,5% per year.
- loans with collateral property, which can be extremely pledge property, allow to receive up to 90% of the value of the collateral (but not more than 10-15 mln. Rubles) for up to seven years at a rate of 13.5-14.5% inyear.
However, the action until mid-February can obtain loans without collateral or surety at the same rate as that of a guarantee - by 14.5%.Consideration of applications for participation in this action is carried out on an individual basis, so long as you do not submit your application, do not know the chances of favorable borrowing.
Loans "Sberbank" individuals differ in a variety of conditions.And this is their main advantage: everyone can find the borrowed funds with the appropriate parameters.Any potential borrower has the opportunity to realize their plans for using the funds of the bank, unless, of course, will conform to its requirements.However, fault-finding and bureaucracy "Savings Bank" - that's another story.
