service loans population is developing rapidly.The media can regularly hear or see ads with beautiful promises of loans at zero percent.In practice, this is rarely possible, only if the manufacturer of a product or service is ready to pay out of pocket the interest on loans, especially in order to increase sales.In all other cases we are talking about the standard bank loans, which will have to pay interest.The exception may be the only grace periods of time determined by the terms of the special shares.
If we talk about loans to the population, offered by financial institutions, mainly in the following types: mortgage, car purchase and consumer credit.Savings Bank provides all kinds of such services, and the last of these is told later in the article.
First we need to determine what you can use these loans.They can pay for home improvements or a car, purchase of household appliances and even travel, that is the purpose of its receipt can be anything.Under all of these needs, you can take credit for the consumer.Sberbank offers several programs.
The standard package can obtain a loan amount of up to 3 million rubles, but in this case need to guarantee other individuals.In his absence you can count on a total of not more than one and a half million.Traditionally, the minimum bet is valid in foreign currency for existing customers (eg, members of salary projects).The debt can be paid up to five years, and you can take it in rubles or foreign currency.
Consumer credit - Sberbank and special programs
lower interest rates can be paid in the event of a potential borrower's property, which he can leave as a deposit.Their value does not exceed the mark of 14.5% per year.This "borrowing" can be quite a substantial amount (up to ten million rubles) and spend it on whatever you want.
Those who need money for education (secondary, tertiary or secondary), there are several reasons to pay attention to the Savings Bank."Credit to consumer education" has a more favorable conditions.The interest rate on it is lower than on standard loans, and repayment period extended to 11 years.
Another loan program, through which it is possible to pay for their education, working with public subsidies.The maximum amount of the loan does not exceed the cost of training, and you can pay for ten years after its completion.Interest on the loan "floating" vary depending on the size of the refinancing rate.In any case, their value is significantly different in the smaller side, and at the moment is a little more than five percent.It is a pity that you can only get the money to pay for education in an educational institution, which has passed the accreditation for participation in the program.
Consumer Credit - Savings Bank and other lenders
If we compare this with the other financial institution - similar and offer similar services - it is possible to note the following advantages:
- sufficiently loyal to the conditions for the borrower;
- relatively low interest rates;
- transparent payment schemes;
- no commissions.
For those who need a quick loan and income verification if there is no road to Sberbank closed.These loans are best to look elsewhere, the interest rate on them will be rolled over twenty percent a year.
Thus, if you need to get a consumer loan, Sberbank offers enough interesting conditions.Borrower just need to verify your income, collect the necessary documents and wait for some time, during which his application will be considered.
