How to get a loan from Sberbank for pensioners with a low interest rate?
A loan for pensioners in Sberbank can be obtained by a person who has an impeccable credit history and is able to prove to the bank his responsibility and solvency by providing the necessary documents.
What loans are available to pensioners?
Today Sberbank is the largest Russian bank. The scope of lending is selected for all segments of the population, taking into account their capabilities and needs.
Sberbank has not forgotten about pensioners and can offer them several types of loans:
- Cash loans with or without collateral.
- Credit cards.
- Loans to buy a car or a home.
Pensioners will not be able to get an interest-free loan, but taking the most profitable loan from Sberbank is no problem.
The bank takes enough risks when it gives a loan to a pensioner, since the probability of not returning the funds is very high (old age, illness, disability for working pensioners). Therefore, Sberbank is trying to protect itself and does not issue low-interest loans to unreliable pensioners. But pension loans for responsible people can be obtained at favorable interest rates by providing a money-back guarantee - a pledge.
Lending on preferential terms is available to all Sberbank customers, but pensioners who receive a pension from another banking organization will have to take out a loan at a higher interest rate.
If Sberbank refused to issue you a loan, try applying to other banks.
| Amount, rub: from 5,000 to 400,000 | |
| Amount: from 25,000 to 3 million rubles. | |
| Amount: up to 4,000,000 rubles. | |
| Amount: from 10,000 to 1 million rubles. | |
| Amount, rub: up to 1,000,000 | |
| Amount, rub: from 300,001 to 1,000,000 | |
| Sum: | |
| Amount, rub: up to 2,000,000 | |
| Amount, rub: up to 700,000 | |
| Amount, rub: from 100,000 to 1 million. | |
| Amount, rub: up to 2 mln. |
Credit cards
Obtaining a loan from Sberbank for pensioners in the easiest way can be done by issuing a credit card. The bank offers borrowers favorable interest rates, especially if you use borrowed funds for non-cash payments. To obtain a loan, a pensioner must come to the bank with a passport if he receives a pension or salary from Sberbank. For all other persons, it may be necessary to provide additional documents at the request of the bank.
Sberbank issues three types of credit cards that differ according to the conditions given in the table:
You can apply for a soft loan with a card at Sberbank if the person is its active client and has a clean credit history. Otherwise, it will not work to issue a card on favorable terms, since Sberbank does not really trust strangers.
For working pensioners, there is an additional option that allows you to apply for preferential credit cards - to provide a certificate of income, and if Sberbank deems this convincing, it will issue a loan for retirement and salary at the lowest interest rate and with an increased credit limit.
For a retired borrower, a credit card is a good option when borrowing money is required from time to time in small amounts, the main thing is to make contributions on time so that debt does not form.
Cash loans to pensioners at Sberbank
Sberbank of Russia can issue a pension loan to a person on various conditions. Depending on the chosen loan program, there will be various benefits - minimum rates, a large loan amount and the maximum age of the borrower.
In Sberbank, pensioners are given consumer loans in cash:
- Without guarantors and security.
- With a maximum of two loan guarantors.
- With the provision of collateral to the bank.
How much interest on the loan the bank will provide, what is the amount of the loan, the terms for fulfilling loan obligations - all this entirely depends on the chosen program, which are described below.
Many pensioners can get a consumer loan without collateral and in the absence of guarantors. But you should not count on the most favorable conditions - Sberbank is very demanding on its borrowers who do not provide loan collateral.
An important point is up to what age the loan is granted. With this type of loan, at the time of full fulfillment of debt obligations, the borrower must be under 65 years old, but things are better with a secured loan - the maximum age is 75 years.
Sberbank issues a loan without collateral to pensioners:
- For a minimum of three months and a maximum of five years.
- Starting from 30,000 rubles.
- With a maximum loan amount of 3 million rubles.
Interest rates on a loan will depend on many of the factors shown in the table below.
A potential borrower can receive a preferential loan from Sberbank if he brings a certificate of income to the bank, or transfers his pension and / or salary to this bank. Such actions often allow you to reduce the interest rate by 1-3 points.
A loan for a pensioner at Sberbank, if there is a guarantor, will be the most profitable than just a loan without collateral.
The pensioner can count on:
- Amount from 30,000 rubles to 5 million.
- Long term loan processing - 3 months - 5 years.
- Increasing the size of the loan, if the salary or pension of the spouse allows it.
The greater the total family income, the more profitable credit Sberbank will be able to provide to a pensioner. Interest rates for this type of loan are listed in the table.
Loan secured by real estate
When choosing which loan to take from a bank, a pensioner must pay some attention to a loan secured by real estate.
Such a loan is in many ways more convenient than the previous ones and is more beneficial for a pensioner, and the likelihood of obtaining it from Sberbank is much higher than just a consumer loan.
If the borrower provides property as collateral to the bank, and also brings a certificate of income and employment, then his age range expands from 50 to 75 years.
If a pensioner wants to take out a loan, having only collateral, then the maximum age at the time of repayment of the debt should be 65 years.
A person can receive cash under the following conditions:
- The loan amount is 500 thousand rubles. - 10 million rubles.
- The loan amount cannot exceed 60% of the value of the mortgaged property.
- Loan term up to 20 years.
Well-to-do pensioners can take out a mortgage from Sberbank and buy the property they want. The bank provides several programs on various terms.
| Interest rate (annual) | Down payment (percentage of the total cost) | Loan terms | additional information | |
|---|---|---|---|---|
| Buying an apartment in a new building | From 12.9% | 15% | Up to 30 years old | No employment documents required |
| Mortgage with state support | From 11.9% | 20% | Up to 30 years old | The package of documents is set by the bank individually for each borrower |
| Buying ready-made housing | From 12% | 20% | Up to 30 years old | The bank may require proof of income |
| Acquisition of housing under construction | From 12.5% | 20% | Up to 30 years old | A certificate of income is required if the person is not a bank client |
Car loan for pensioners
Sberbank helps pensioners purchase not only housing, but also a vehicle that meets the following requirements:
- Chinese or domestic vehicle less than 5 years old.
- Foreign car not older than 10 years.
To buy a car, a person can take from 45 thousand to 5 million rubles for a period of one to five years.
If a person provides a certificate of income, then Sberbank simply issues funds, and if there is no document, then the borrower must pay 30% of the cost of the purchased car from personal funds.
The interest rate will depend on the following indicators:
- loan currency;
- loan terms;
- receiving a pension through Sberbank.
The ratio of these requirements and the interest rate are indicated in the table for all categories of persons:
Credit calculator
Knowing what loans Sberbank issues, the borrower can begin to compare all offers in order to choose a loan as profitably as possible. A loan calculator can help you with this. You can use it by going to the official website of the bank. The program will independently calculate the monthly installments, the amount of overpayments, taking into account the annual percentage and the size of the loan.
