Sberbank New Year's loan offer. New Year's programs of Sberbank. List of required documents
Everyone associates the New Year with pleasant chores, a festive mood and an abundance of gifts. The leading bank of the Russian Federation did not stand aside from this tradition and prepared another action. Sberbank offers Russians to take out a New Year's loan at a fixed rate of 12.5%, as well as refinance old ones issued at other banking institutions.
Basic conditions of the promotional loan
According to the current proposal, any citizen can take out a loan for a period convenient for themselves, without indicating the purpose for using the money. The peculiarity of the offer is that the interest rate is fixed. When submitting an online application on the website of a credit institution, it is reduced by 1%.
Repayment period – up to 5 years.
When submitting an application at a bank branch, the following documents will be required:
- passport with a mandatory registration mark (temporary is allowed);
- application form;
- certificates of employment and financial status.
Salary clients have an additional benefit: funds are credited 15 minutes after the bank’s approval is made.
Promotional offer for refinancing
Improved refinancing conditions Starting in 2018, not only those who apply for a loan have the chance to lighten their loan burden. This opportunity was given to borrowers from other banks who already had several loans on hand. The program has a number of advantages:
- refinancing allows you to combine 5 loans into one (auto and consumer loans, debit cards with overdraft, credit cards);
- several payments will be combined into one monthly, significantly smaller amount;
- reduction in interest (13.5% - up to RUB 500,000 and 12.5% above this amount);
- the opportunity to receive additional funds for personal purposes without increasing monthly payments;
- the loan is issued without a mandatory guarantee, collateral or commission;
- confirmation of repayment of loan funds from previous creditors will not be required.
According to the terms, the on-lending procedure is allowed for a period of 3 months to 5 years and is acceptable for amounts from 30 thousand to 3 million rubles.
Reduced rate to attract loans from other banks How to apply for refinancing under new conditions? The whole procedure consists of several stages.
As the new year 2018 approaches, Sberbank announces a grandiose loan product. The bank offers a loan with comfortable conditions for any purpose and for a period chosen by the borrower. You must submit your loan application by January 31 of the following year. So, time is running out!
Conditions
Following the basic principles of the financial company's strategy, it is proposed to issue a loan online, i.e. in your personal account " ", or at a bank branch. As you can see from the table below, the interest rate is more attractive when using online banking.
| The promotion is valid until 01/31/2018 | To Sberbank Online | At a bank branch |
| From 500,000 rub. | 12,50% | 13,50% |
| From 250,000 to 500,000 rub. | 14,50% | 15,50% |
| Up to 250,000 rub. | 0t 12,90% | from 12,90% |
- Maximum loan amount: up to 3,000,000 rubles. for any purpose.
- Maximum loan term: up to 5 years.
We use the Sberbank calculator
You can use it to calculate monthly loan payments. But to accurately determine the interest on the loan, you need to contact the nearest Sberbank branch.
It is also necessary to note that for clients holding Sberbank salary cards, the loan will be credited within 15 minutes after the application is approved. But if the client is not connected to the salary project, but actively uses Sberbank’s Internet banking, then after submitting an application to Sberbank Online and its approval, you can safely come to the branch to get money.
The undoubted advantage of this loan offer is the convenient ways to repay the loan.
How to repay a consumer loan at Sberbank
- You can repay the loan by drawing up an agency agreement in the employer’s accounting department. Upon instructions, part of the salary will be transferred according to the details to repay the debt;
- The easiest way to close a loan debt is in your Sberbank Online personal account. You can enable automatic monthly write-off of the loan body and accrued interest. Sberbank auto payment is a very convenient tool for managing personal finances.
- You can enter into an additional banking service agreement and an order for monthly debiting of funds from the card.
- Funds can also be written off from a deposit opened in Sberbank. To do this, you also need an order issued once at a branch of a banking organization.
This consumer loan can be repaid either in parts, according to the repayment schedule, or ahead of schedule in full/partial amount.
New Year's holidays are a time of magic and miracles. It is at this time that you really want to please your loved ones with original and memorable gifts. Unfortunately, not all people can boast of the opportunity to make expensive gifts. What to do in such a situation? New Year's loan from Sberbank 2017 comes to the rescue.
What is this offer?
A New Year's loan from Sberbank is an exclusive offer for clients who receive wages on debit cards serviced by this financial company.
A person can obtain a loan at a fixed interest rate. The advertising campaign mentions a rate of 12.5% per annum. This is not entirely true. The interest rate is calculated based on the loan amount and the method of applying for it.
The conditions for obtaining a New Year's loan from Sberbank will last until January 31, 2018.
The amount of borrowed funds provided varies from 30,000 to 3,000,000 rubles. It is calculated individually for each client, taking into account his solvency. Money is provided for a period of up to five years.
You can calculate the interest rate applicable to the current offer using the loan calculator on the official website of Sberbank.
When submitting an application through your personal account, the amount that must be paid for using borrowed funds varies from 12.5 to 14.9% per year. If the client contacts a branch of a banking organization and submits an application there, then its size increases and ranges from 12.9 to 15.5% per annum.
Applying for a loan through Sberbank online will take a person just a few minutes. He will not have to visit a bank branch and fill out a large number of necessary papers.
In order to take advantage of this offer, you must fill out a form on the official website of the financial institution. After this, you need to wait for a call from her employee and answer several security questions. The application is approved automatically. After receiving a positive decision to provide borrowed funds, a person must confirm his intention to receive them by entering an individual combination of numbers in a special field. The transaction confirmation code is sent via SMS to the number to which the borrower’s salary card is linked. Funds will be transferred to the card within 15 minutes after receiving a positive response from the bank.
Criteria for the borrower and table of rates
| The promotion is valid until February 1, 2018. | Sberbank Online | In Sberbank branches |
| From 500 tr. | 12.50 per annum | 13.50 per annum |
| From 250 rub. up to 500 tr. | 14.50 per annum | 15.50 per annum |
| Up to 250 tr. | 0t 12.90 per annum | from 12.90 per annum |
Those citizens who have already crossed the age threshold of 21 will be able to take advantage of the New Year's loan offer. The maximum age of the borrower must be no more than 65 years at the end of payments.
The person must have been formally employed for at least one year in the last five years. He must have been employed at his last place of employment for at least six months. More loyal requirements are imposed on salary clients. They must have been employed for at least three months at their last place of work.
Obtaining and repaying a loan
The borrowed money is transferred to the Sberbank card immediately after receiving a positive response from bank employees. Returning them is also very convenient. The required amount will be debited automatically from the card account on the date of making the obligatory payment. A person can only take care of its availability in advance.
The “ ” system allows you to control the status of your credit account. By opening a personal account, the borrower will see the balance of the current debt, the interest rate level, the date of making the obligatory payment and full payment of the obligations.
This feature allows you to exercise full control over the status of your credit account.
Pros and cons of the New Year's promotion
Any loan offer has its pros and cons. The benefits of a New Year's loan include the following:
- impressive limit;
- reduced interest rate;
- long term of the contract;
- remote application processing online;
- receiving the required amount within 15 minutes.
The negative side of the offer is that it can only be used once the borrower reaches the age of 21.
Fines and hidden fees
There are no additional fees for providing borrowed funds.
If the client fails to make the obligatory payment on time, then penalties in the amount of 20% per annum are applied to him for the entire period of delay.
As can be seen from this review, Sberbank provides its clients with the opportunity not to limit themselves in celebrating the New Year. This offer deserves to take a leading position over similar ones from other banks.
The arrival of the new year is a period of various promotions and sales. And the banking sector is no exception. People buy each other expensive gifts, and marketers, knowing this, create special New Year's offers to further increase demand. What have Russian banks come up with to attract customers? The portal site analyzed several New Year's loan offers and compiled a list of the seven best.
1. SBERBANK - 13.9%
Annual rate: 13.9%
Loan term: from 3 months to 2 years
The minimum amount is 300 thousand rubles.
Additional terms:
- No commissions
- Fast decision-making process - from two hours
- Possibility of early repayment without penalties and commissions
The promotion is valid: from 11/14/2016 to 01/31/2017
(!) Favorable conditions, fast loan processing, the largest number of ATMs and branches throughout Russia.
2. CITIBANK 13.9%
Annual rate: 13.9%
Loan term: up to 60 months
The maximum amount is 300 thousand rubles.
No additional conditions
The promotion is valid: from 12/01/2016 to 02/28/2017
But the interest rate is set individually in the amount of 13.9 to 29.9% per annum.
Registration at a rate of 13.9% per annum is available only when submitting an online application on the website and the transfer amount is from 100,000 rubles for the “Universal Transfer” program and from 300,000 rubles for the “Universal Transfer Plus” program.
(!) A good interest rate, but it applies to those clients who fulfill the additional conditions of the promotion.
3. VTB 24 - 13.9%
Credit "Fast"
Annual rate: 13.9%
Loan term: from 6 to 36 months
Amount: from 100,000 to 3,000,000 rubles.
Additional terms:
- fixed rate
(!) Quick decision, no additional conditions, good interest rate.
4. MKB (Moscow Credit Bank) - 14%
Annual rate: from 14%
Loan term: from 6 months to 3 years
Loan amount: from 50,000 to 2,000,000 rubles
Additional terms:
- No monthly fees or loan origination fees
- Collateral and guarantors are not required
- Early repayment of the loan - without restrictions and penalties
An interest rate of 14% per annum in rubles is applied when providing non-targeted (consumer) loans (hereinafter - LC) to individuals who do not have valid LC at PJSC "CREDIT BANK OF MOSCOW" on the date of application for a period of 6 to 12 months.
This means that a loan under these conditions can only be obtained by those persons who do not have other loan obligations with the bank for a period of 6 to 12 months.
Promotion valid: not specified
(!) High requirements for the borrower; loans on New Year's terms are issued only to reliable clients.
5. Post Bank - 14.9%
Annual rate: 14.9%
Loan term: from 1 year to 5 years
Loan amount: from 50,000 to 1,000,000 rubles
Additional terms:
- you only need a passport and SNILS number
- decision on the day of application
- guaranteed rate
- we will reduce the rate if you repay without delay and make at least 12 payments
The promotion is valid: until 01/31/2017
(!) Affordable minimum loan amount, simple conditions, good interest rate.
6. Eastern Bank - 15% + 1000 rubles for each friend
Annual rate: from 15%
Loan term: from 12 to 36 months
Credit limit: from 25,000 to 50,000
Additional terms:
- Issuance on the day of application
- Application review time: 15 minutes
Interest rate is fixed
- Bring a friend!
After receiving a loan or credit card from a bank, you will be given an invitation coupon for a friend. When your friend applies for a loan or uses a credit card (minimum withdrawal amount is 20,000 rubles), you will receive a reward of 1,000 bonuses. Your friend will also receive 500 bonuses as a gift.
The bank does not limit the number of payments. The more friends who receive a loan or credit card based on your recommendation, the more bonuses you will receive. Also, to receive a bonus, you and your friend must not have overdue payments on a loan from Vostochny Bank.
(!) By calling the bank's hotline, we learned that you can receive one or more coupons when you sign up for a single loan agreement. Great promotion for students. The minimum loan amount on favorable terms is 25 thousand rubles.
7. Raiffeisenbank - from 14.9% to 19.9%
Annual rate: from 14.9% to 19.9%
Loan term: from 12 to 60
Loan amount: from 90,000 rubles to 1,500,000 rubles
Additional terms:
- Minimum amount of partial early repayment: 10,000 rubles
- Insurance payment (if applicable): monthly or one-time
- For late monthly payment: penalty 0.1% of the amount of overdue debt per day
- Monthly payment is 0.39% of the initial loan amount; the one-time payment is calculated based on the 0.22% tariff, the insured amount and the number of months of the insurance period.
(!) A mandatory requirement when obtaining a consumer loan on New Year's terms is to activate the insurance service.
Special conditions
As you probably noticed, out of the 7 offers we selected, the terms of the promotions differ greatly from each other. In this regard, the risk of taking out a loan not on the favorable terms promised by advertising increases significantly. Be careful:
Pay attention to all points, footnotes and subtleties of the terms of the loan agreement and its annexes.
- Read the terms of the contract carefully.
- Ask bank employees as many questions as possible before applying for a loan. Don’t be naive; in this case, misunderstanding of some points in the contract can create a lot of troubles for you in the future.
For example, there are credit conditions according to which the annual interest rate increases every year and this is not prohibited by law. Let's say you signed such a New Year's agreement for 3 years. But under the terms of the promotion, the reduced interest rate is valid for only two years. And you were not notified that the rate would increase in the future. But your signature is already there, the contract is signed. You'll have to pay more.
The trick with insurance
Credit institutions often impose insurance on their clients. By concluding an insurance contract, banks reduce credit risks. Namely: they guarantee the receipt of their funds and interest even if the borrower cannot repay them himself. If you have insurance, the money must be returned to the bank by the insurance company. But, having studied this practice, these companies are very reluctant to pay the debt to the bank.
You will have to prove that it is the insurance company that now owes the bank, since you had an insured event. In addition, the cost of insurance increases the loan amount. Interest rates are set individually depending on the reliability, solvency and category of the client. Keep in mind that for some banks, insurance is a mandatory item to obtain a loan on favorable terms.
Note that Sberbank does not have any loan fees, and the offer of life insurance, which is voluntary, does not affect the interest rate under the loan agreement.
You can still refuse insurance. During the cooling-off period - this is the name given to the first 5 working days after signing the contract. It is at this time that you can cancel the insurance contract. Including if this insurance is related to a loan.
Let's say you signed a contract on December 1 along with insurance. Starting from this date, you have 5 working days during which you can refuse the imposed insurance. You can send an application for refusal to the bank. To do this, you will need to provide the bank with:
- Application for withdrawal from the contract;
- A copy of the agreement;
- A check or other document confirming payment of the insurance premium;
- A photocopy of the policyholder’s passport;
You can serve the documents in person, but to do this you will have to visit the insurer's office. Documents can be sent by mail, but must be sent by registered mail with a list of attachments. The coverage ends when the insurer receives your application. After you provide all the documents to the insurance company, compensation will be credited to your account within 10 business days.
(!) Do not forget that the bank has the right to refuse to issue you a loan at any time, since the loan is issued on a voluntary basis.
Banks come up with schemes that try to circumvent the law. For example, a lending institution may create one common group insurance for all borrowers.
The borrower is connected to a collective insurance system, rather than insurance being sold to him. It turns out that in order to terminate the insurance contract, the client needs to “disconnect from the system”, and not directly terminate the contract. The law does not apply to this type of insurance, and therefore the client cannot terminate such insurance.
(!) Specify the type of insurance.
Reliability of banks
To summarize, the most reliable and attractive banks, both according to the Central Bank rating for 2016 and according to the terms of New Year’s loan promotions, are Sberbank and VTB24.
“Pochta Bank” and “Vostochny Bank” - the terms of their shares are transparent at first glance. Vostochny Bank is great for students, as it issues loans for small amounts.
MKB prefers to work with regular clients. For beginners, the annual interest rate will be higher than that indicated in the promotion.
Doubts were raised by Citibank and Raiffeisenbank. There are too many intricacies in loan agreements.
There are no promotions on loans in Sberbank today
Sberbank periodically reduces interest rates on loans. The last such promotion, which made it possible to receive money from the Security Council of the Russian Federation at a low interest rate, took place before the New Year - from November last year to February 2020.
As the bank's press service reported, rates on consumer loans were then reduced by 1 percentage point compared to basic conditions. But by today the percentages have returned to their normal state.
The following consumer loans can now be issued at Sberbank:
1. “without collateral”;
2. “under guarantee”;
3. “for refinancing.”
Let's look at each of them in more detail.
Consumer loan for any purpose without collateral
Borrower age: 21 - 70 years;
Min. amount: 30,000 rub.;
Max. amount: 3 million rubles;
Duration: from 3 months. up to 5 years;
Commission: none;
Collateral: not required.
Interest rates
Special conditions
Basic conditions
for other individuals
|
Amount, rub. |
Bid |
||||||||||||||||
|
from 14.9 to 19.9% |
|||||||||||||||||
|
from 300,000 to 1 million |
from 13.9 to 17.9% |
||||||||||||||||
Loan with a guarantor for young people and pensionersBorrower age: 18 - 21 years and 60 - 80 years; Interest rates Special conditions for those who receive a salary or pension into an account in Sberbank Basic conditions for other individuals
|
