One of the most popular programs of the bank today is a loan from Sberbank cash.Urgent to get such a loan in any branch of the government financial institution.The amount of consumer credit vary widely, from 30 thousand to 10 million rubles, depending on the package of guarantees and documents.
What is consumer credit
This type of loan is meant to receive funds to meet some of the needs of the client.Normally it contains a large number of different programs.In general terms, a cash credit in the Savings Bank can be attributed to one of two categories:
- Trust - when finances allocated banking organization to achieve a specific purpose set out in the contract.This can be a major overhaul, education or health care, the trip to rest and so on.When a loan is made in the Savings Bank, cash to get it is not always possible.The fact that the bank has the right to control the spending of money allocated and monitor the purposes for which they were put.Under the agreement, he can immediately transfer the funds to the final company providing fee-paid services to the clinic, college, university, a construction company or a hotel where the client will spend their holidays.Non-earmarked
- - when the loan from Sberbank cash simply handed out to the borrower.After that, the bank only requires timely payment of payments to service the program.Interest on it is slightly higher than the target credit, however, the borrower is free to dispose of the proceeds and spend them as they wish.
Getting milder conditions
to reduce the overall interest rate on formalized the loan and get a better loan with Sberbank in cash, the financial institution must provide the most complete set of documents and guarantees, which includes:
- passportRussian citizen;
- second official document that can confirm the identity of the borrower;
- certificate from the employer indicating the time;
- certificate of income for the last 6 months;
- surety;
- pledge object.
Savings - application for cash loan
Making contract with any bank begins with filing certain documents.The first thing you need to fill out a special application in which you can specify the purpose of obtaining the loan and the accompanying documents.Get an application form can be in the nearest branch of the public credit institution, and on their main website.After filling out the paper should be sent to the manager of the bank and wait for the verdict.In the case of online applications receive response within a few hours over the phone.To complete the operation the borrower will be asked to come to the bank, where after a short interview and study the original documents he offered to sign a contract.It is worth remembering that even after the initial approval of the Bank may refuse to grant funds provided after studying the papers.Therefore, to obtain the loan you need to carefully fill out an application and have a good credit history.
