P 3.8 5 general conditions of crediting. General rules for lending to Sberbank

Loans are provided to individuals - citizens of the Russian Federation over the age of 21, provided that the loan repayment period under the agreement:

With differentiated payments - comes before the Borrower turns 75 years old;

For annuity payments - limited to the working age of the Borrower.

Credits are provided unless otherwise specified by others. normative documents Sberbank of Russia for lending individuals:

At the place of registration of the Borrowers;

At the location of the enterprise - the employer of the Borrower, the client of the Bank, in the presence of an employment contract for an indefinite period between him and the Borrower.

The provision of a loan not at the place of registration of the Borrower is carried out after receiving from the Bank at the place of registration of the Borrower information on the presence (or absence) of debt on loans, credit history followed by his notification of the fact of the loan.

Lending to the Borrower is made on the basis of:

A loan agreement providing for a one-time loan issuance;

Agreements on opening a non-revolving credit line with the establishment of the maximum loan amount (issuance limit) that the Borrower can receive within a specified period and subject to certain conditions (established by other regulatory documents on lending to individuals). Loan disbursement is made within the disbursement limit, while the repaid part of the loan does not increase the free disbursement limit.

General agreement on the opening of a framework credit line with the establishment of a debt limit, on the basis of which individual loan agreements are concluded.

The issuance and repayment of loans is made within the established debt limit during the entire period of validity of the General Agreement on opening a framework credit line, while the repayment of a previously granted loan increases the free balance of the debt limit to the initially established under the General Agreement.

The maximum loan amount for each Borrower is determined on the basis of an assessment of its solvency and provided collateral for repayment of the loan at the time of its application to the Bank (the day the application for a loan was registered with the Bank), as well as taking into account its reliability.

The Bank accepts as collateral:

Guarantees of citizens Russian Federation who have a permanent source of income;

Guarantees of legal entities;

Pledge of real estate (not accepted as the only security, unless otherwise provided by other regulatory documents of Sberbank of Russia on lending to individuals);

A pledge of real estate under construction (not accepted as the only security, unless otherwise provided by other regulatory documents of Sberbank of Russia on lending to individuals);

Pledge of vehicles and other property (not accepted as the only security, unless otherwise established by other regulatory documents of Sberbank of Russia on lending to individuals);

Pledge of measured ingots precious metals with obligatory storage of pledged property in the Bank;

Pledge of equity and non-equity securities;

Guarantees of subjects of the Russian Federation or municipalities.

The Bank has the right to conclude cooperation agreements with third parties - solvent enterprises that are in cash settlement services in the Bank, executive bodies of the constituent entities of the Russian Federation, municipalities for the purpose of lending to certain categories of Borrowers (employees of these enterprises, citizens in need of improvement living conditions) on terms that comply with the requirements of this Procedure and other regulatory documents of Sberbank of Russia on lending to individuals.

The Borrower (Co-borrowers) sign for information on the terms of the loan, the cost of the loan and an approximate payment schedule.

Before applying for a mortgage loan, the applicant must familiarize himself with the general conditions for mortgage lending at Sberbank. They can be found on the corporate website of the bank in the form electronic document. The general lending conditions describe the procedure for granting Money and termination of the mortgage agreement.

It is possible to solve the housing problem not only with the help of targeted mortgage programs. An alternative to a home loan can be a general purpose loan, .

This loan product has the following features:

• The maximum loan amount is 10 million rubles (no more than 60% of the market price of the collateral object);
• Long term loan agreement(up to twenty years);
• Loan interest - 12% per annum;
• The loan is not available to entrepreneurs, company executives, business owners and farmers.

According to the general terms of mortgage lending at Sberbank, non-purpose loans are provided only to citizens of the Russian Federation. Money is issued to clients who have at least six months of experience at the last place of work. The number of co-borrowers includes the spouse of the borrower (if any).

General requirements for obtaining a mortgage loan

If this value is set in US dollars, then when providing a loan in another foreign currency or Russian rubles its equivalent is determined at the exchange rate (cross-rate) of the Central Bank of the Russian Federation at the time the applicant applied to the Bank. If the applicant who applied to the Bank for a loan already has a loan debt to the Bank or other institutions of the Savings Bank of Russia, then maximum size of the provided loan is determined on the basis that the total amount of debt, taking into account this loan, cannot exceed the established limit value. At the same time, debt on loans for urgent needs in total amount debt cannot exceed the limit set for loans for urgent needs. 1.10. An age limit is established for borrowers and guarantors.

Official website of Sberbank of Russia

In the event of an increase interest rate The Bank, within three working days after receiving a written message about this from Sberbank of Russia (for a branch - from a territorial bank), notifies the guarantors and the Borrower of changes in the terms of the loan agreement by telegrams or registered letters with acknowledgment of receipt. Changes to the terms of the contract shall enter into force two months after the notice is sent.

Rules for lending to individuals by institutions of the Savings Bank of Russia

According to the rules, the following employees of branches of Sberbank of Russia (OJSC) are responsible for conducting lending operations: - for a loan officer - accepting documents from borrowers, reviewing them and drawing up an opinion, involving other bank services in reviewing documents, processing loan documents; support of the loan agreement, taking timely measures to return overdue debts; - for an employee supporting credit operations and accounting for credit operations - maintaining the personal accounts of borrowers and accruing interest and penalties, transferring funds, timely withdrawal of unpaid amounts to the accounts of overdue loans and informing the credit officer about the non-receipt of payment on time; - for an operating employee - carrying out direct operations for issuing cash, accepting payments to repay a loan, etc.

Legislative base of the Russian Federation

Lending operations are entrusted to the following employees of the Bank: a credit officer — acceptance of documents from the Borrower; their consideration and drawing up a conclusion; involvement of other services of the Bank in the consideration of documents; registration of credit documents; support of the loan agreement; taking timely measures to return overdue debts; for an accounting employee - maintaining personal accounts of borrowers and accruing interest and penalties; transfer of funds; timely withdrawal of unpaid amounts to the accounts of overdue loans and informing the loan officer about non-receipt of payments on time; for an operating employee - carrying out direct operations for issuing cash, accepting payments to repay a loan, etc. 1.5.

1. General Provisions

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Attention

Types of loans provided to individuals: a) loans for the acquisition, construction and reconstruction of real estate (hereinafter referred to as loans for the purchase of real estate); b) loans for urgent needs (acquisition of vehicles, garages, expensive household items, household equipment, paid medical services, purchase of tourist and sanatorium vouchers and other consumer purposes). Loans for the purchase of real estate are provided for up to 10 years.

Info

Loans for urgent needs are provided for up to 3 years. Credits are provided in rubles or in foreign currency.

General rules for lending to Sberbank

It is advisable that the guarantors are individuals who are related to the borrower: spouses, parents, adult children, adoptive parents, trustees, etc., regardless of their solvency, unless otherwise established by the regulatory documents of commercial banks for lending to individuals. Based on the results of the verification and analysis of documents, taking into account the requirements of the rules existing in the bank, the legal division and the security division of the bank draw up written opinions, which are transferred to the lending division.

General conditions for lending to Sberbank

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General conditions for lending Sberbank mortgage

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General conditions for lending to Sberbank of Russia

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General conditions for lending to Sberbank clause 3.9.5

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