Today, because of the low rate compared to other loans, the most popular social consumer loans Sberbank.
Disadvantages obtain credit from Sberbank
But along with the advantages of such programs exist and cons of taking out a loan from Sberbank.The most important of them can be regarded as a decision for a long time and a large number of certificates that prove the borrower's income.
Almost all credit programs of the banking institutions require guarantors.That is, to obtain consumer credit without someone who can vouch for you, and in the case of insolvency to pay your loan - it is impossible!Even the so-called social consumer loans without collateral exist only on paper.Typically, the amount of loans ranges from 15-16 thousand to 40-45 thousand rubles.With one surety amount is increased from 45 thousand to 300 thousand rubles, and the presence of two guarantors can count on the amount of 300 thousand to 750 thousand rubles.
What is meant by providing credit
Guarantee individuals who have stable earnings and confirmed officially, or a guarantee of legal entities.Collateral in the form of real estate, cars, bars and securities.
In addition, consumer loans without reference Savings Bank does not issue, leaving it to the hopeless in terms of bank management, the company the share of commercial banks.
How to get a loan
As everyone knows, the social consumer loans require certain documents of the borrower.In the case of Sberbank, documents traditional standard, but can be expanded (which is very often the case) in case of suspicion of your ability to pay the employee the bank.
passport and TIN application form - this is the minimum documentation that may be required.
Help for working people in the form NDFL2, for pensioners - a certificate of the amount of pension they receive, for entrepreneurs - a package of documents confirming the solvency of the very wide (accounts for the period, statement from the tax lists of accounts payable and receivable, certificate SPand others).Also keep in mind that all of these same documents and information you need to provide and guarantors.If there is a substantive deposit - then you also need to bring a certificate proving your right to own them.For real estate - is the owner of the passport and the contract for motor vehicles - technical passport, etc.
The minimum loan amount for consumer needs is 40-45 thousand rubles for Moscow and 15,000 rubles for residents of other regions.It should also be noted that if you needed an amount less than the minimum, then apply to the Savings Bank is no need.The loan in the amount of, for example, 30 thousand to 11 thousand Muscovites and for the rest of the citizens will not be given.In this case it is easier to apply to another bank.
Despite the disadvantages of the Savings Bank, we can conclude that social consumer loans with lower rates are hard to find!