Sberbank of Russia today-is the most reliable and universal Bank in the country, the credibility of which has been confirmed by years and millions of satisfied customers. A variety of loan programs, cash transfers, quick payments, and other high-end services provided by Sberbank, the Russian citizens are valued very highly.
One of its main features – social orientation of credit and financial products. In particular, I would like to mention that the Bank gives a loan to pensioners. And it identifies them in a particular social group because of their income, though stable, but in most cases small. In connection with this circumstance the terms of the loan in the savings Bank for pensioners preferential. Moreover, the pensioner at the time of processing the loan may not work or may be unemployed.
The terms of the loan in the savings Bank for pensioners provide special privileges to persons receiving a pension on the account in the Bank:
· reduced the interest rate on any loan;
· filing of only one document (passport) with the loan;
· statement of loan considered as soon as possible (the decision will be known within 2 hours);
· retired may come with the application form in any branch of the savings Bank, which provides loans (and completely irrespective of the place of his residence);
· there is an alternative, related way of making money whether they will be issued in cash or will be listed on the card of the borrower.
Besides, the Sberbank provides loans to individuals among them, he also distinguishes a separate category – pensioners. The types of credit products for the elderly are quite diverse, but the Bank is very strict about their approval, realizing that this category of citizens implies a fairly high risk of non-payment of funds. Therefore, issues of Sberbank of Russia the credit to pensioners only in that case, if the borrower's credit history is impeccable.Loans for pensioners Sberbank divides into several categories:
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The conditions for obtaining credit in modern banking institutions
Any aspiring entrepreneur is faced with the problem of insufficient funding of their own business. Currently, this problem can be solved by knowing the terms of the loan and taking the necessary amount from the Bank. This method is best for solving p...
· consumer;
· target;
· credit card.
Borrowings may not have collateral as may be provided under the sponsorship of another individual.
This loan differs the most simple design of the application. The retiree will need a passport, the statement and proof of income (salary and/or pension).
Due To the fact that this loan does not include a security either in the form of any immovable property, or in the form of guarantees from third parties, the amount issued is relatively small. The minimum amount is 15 000 rubles (for Moscow consumers of banking services – 45 000), and limit the maximum loan-1 500 000 rubles.
Provides the loan from Sberbank for pensioners, the interest rate on which is determined depending on the loan term:
· credit, issued for a period up to 2 years, will be subject to a minimum of 17% per year;
· to borrow money for five years will cost pensioners 18,5% per year or more.
Citizens, who prefer to take loan in foreign currency, will enjoy more favorable conditions. Thus, the interest rate for a two-year loan will be 14% per annum and above, and over a five-year loan – 15, 5% per annum.
As the savings Bank gives out the loans to individuals age which is retirement, it is logical to note that at the time of application the borrower must be furnished a pension, and it needs to be not older than 65 years. In addition, it is important that at the time of execution of credit obligations, the borrower was under the age of 75 years of age.
Their request employees of the Bank to consider within two business days, and it can be organized within one month of the receipt of a positive response. Repayment occurs in equal monthly payments. Early repayment does not require the borrower any additional fees. Sberbank sets neither minimum part of the early partial payment, no minimum early repayment of the loan fully. The penalty for late payment is standard and is 0.5% of the amount of the monthly fee. It is added to the debt in such amount every day.
The terms of the loan in the savings Bank for pensioners provide the opportunity to loan large sums of money, only that you need be required to bring guarantors. The presence of persons, increasing the money back guarantee automatically increases the credit ceiling up to 3 million rubles. The process of obtaining and servicing the loan are identical to the ordinary consumer. The repayment period varies from 3 months to 5 years.The Main advantages of this type of lending are attractive interest rates and no commissions on payments.
Pensioners serviced by the Bank can obtain a consumer credit under the guarantee physicalindividuals at the rate of 16.5% per annum, and willing to take the money in dollars or euros will receive even greater benefits. For them the annual percentage will be equal to the minimum of 13.5%.
The savings Bank Gives out the credit to pensioners, whose age at the time of expiration of the contract will not exceed the threshold of 75 years.
Great rates service credit cards with large limit amount available to retirees who are participants in retirement or salary projects of the savings Bank. Also, the product can obtain the borrowers with positive credit history and customers with a debit card. In such cases, a credit card is offered to the client pre-approved. And it is considered by the Manager of the savings Bank in the shortest possible time, it is immediately reported and the available limit on it.The Pensioner is enough to show passport with Russian citizenship and registration. The annual interest rate on credit card will range from 18,9% to 24% per annum and the maximum amount can reach 600,000 rubles.
Bank loans for pensioners can be availed for buying a car, both new and used. If the car is domestic or China was already in use, its age should not be older than 5 years, and if a foreign car made in another country, that made it should be not more than 10 years ago.
Fees for the loan, the savings Bank does not provide. Not to provide evidence of income can be, if you make an initial payment of 30% of the loan amount on any car. You can also provide to the Bank any assets as collateral.
To buy a car ready to give the savings Bank the credit to pensioners, the percentage of which will vary from 13.5 to 15% at the minimum rate depending on the term of the loan. Preferential rates will also be charged on the loan in foreign currency loan of 1 year up to 3 years up to 5 are subject to 10.5%, 11.5% and 12%, respectively. The above prices are valid for pensioners, served in the savings Bank as recipients of pensions and other customers will receive credit at the rate of 1% more.
As of the loan you can get up to 5 million rubles, and the smallest amount-45000 RUB. once the Bank has approved the application begins to select credit facility, which lasts 90 days.
For home purchase you can find quite acceptable the terms of the loan in the savings Bank for pensioners. This member of the financial-credit market offers older customers three housing loan program:
Provides the loan from Sberbank for pensioners, the interest rate which is one percent lower than standard annual interest on the mortgage.
When you buy a ready or under-construction housing persons of retirement age is entitled to take a credit in the amount of 45 thousand rubles. The minimum initial contribution in this case will be 15% of the price of the house.The Maximum term of a housing loan is 30 years. With a down payment of half the purchase price, the borrower can make the loan more favorable, that is, the interest rate thereon will be reduced to 12% per year.
The proposals in the modern credit market have the highest appeal and benefit, and among all Russian banks. The service in the savings Bank for pensioners means the following benefits:
· terms of the loan for pensioners distinguished by their benefit;
· the loan can be repaid early without any additional payments;
· serve seniors only highly qualified professionals;
· hotline operates around the clock; calling it, you can find satisfactory answers to all interesting questions;
· the borrower is of retirement age in the savings Bank can become a participant of the bonus program or promotion, which favorably affect the state credit debt;
· making a loan in the Bank is distinguished by transparency and clear presentation of all points of the contract;
· the variety of ways of repayment of the pension credit: a cash payment at a Bank branch, transfer money from credit card money transfer through the system «Golden crown» or «Contact”, transfer of funds to the credit account from the electronic wallet.
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Alin Trodden - author of the article, editor
"Hi, I'm Alin Trodden. I write texts, read books, and look for impressions. And I'm not bad at telling you about it. I am always happy to participate in interesting projects."
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