Terms of credit in Sberbank for pensioners. Interest rate, age limit
Sberbank of Russia today is the most reliable and universal bank in our country, the trust in which has been confirmed over the years and millions of satisfied customers. A variety of money transfers, fast payments and other high-quality services provided by Sberbank are highly valued by Russian citizens.
One of its main features is the social orientation of credit and financial products. In particular, I would like to note that Sberbank provides loans to pensioners.
And he singles them out as a separate social group, because their income, although stable, is in most cases small. It is in connection with this circumstance that the terms of the loan at Sberbank are preferential for pensioners. Moreover, a pensioner at the moment can work, and maybe unemployed.
Preferential conditions
The conditions of a loan at Sberbank for pensioners provide for special privileges for persons receiving a pension to an account with this bank:
lower interest rates on any loan product;
Presentation of only one document (passport) when applying for a loan;
· the application for a loan is considered as soon as possible (the decision will be known within 2 hours);
a pensioner can come with an application to absolutely any branch of Sberbank that issues loans (and completely regardless of his place of residence);
· there is an alternative related to the method of receiving money: whether they will be issued in cash or will be transferred to the borrower's card.
Types of loans
In addition to the fact that Sberbank issues loans to individuals, among them it also singles out a separate category - pensioners. The types of credit products for people of retirement age 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, Sberbank of Russia issues loans to pensioners only if the borrower's credit history is impeccable.
Sberbank divides loans for pensioners into several categories:
· consumer;
target;
· credit cards.
Borrowed funds may not be secured, but may be provided under the guarantee of another individual.
Consumer loan without collateral
This loan is characterized by the simplest application process. A pensioner will only need a passport, an application and a certificate of income (salary and / or pension).
Due to the fact that this loan does not provide for the presence of collateral either in the form of any real estate or in the form of a guarantee from third parties, the amounts issued are relatively small. The minimum amount is 15,000 rubles (for Moscow consumers of banking services - 45,000), and the maximum loan limit is 1,500,000 rubles.
Provides for pensioners, the interest rate for which is determined depending on the loan term:
a loan issued for a period of up to 2 years will be subject to a minimum of 17% per year;
Borrowing money from a bank for five years will cost the pensioner 18.5% per year or more.
Citizens who prefer to take a loan in foreign currency will enjoy more favorable conditions. Thus, the interest rate for a two-year loan will be 14% per annum and higher, and for a five-year loan - from 15.5% per annum.
Borrower age limit
Since Sberbank issues these loans to individuals whose age is retirement, it is logical to note that at the time of application, the borrower should already have a pension, and he should not be older than 65 years. In addition, it is important that at the time of fulfillment of loan obligations the borrower is younger than 75 years of age.
The bank employees consider the submitted application within two working days, and it can be issued within a month from the date of receipt of a positive response. Repayment occurs in equal monthly installments. Early repayment will not require any additional fees from the borrower. Sberbank does not set either the minimum part of the early partial payment, or the minimum period for the early repayment of the loan in full. The penalty for late payment is standard and amounts to 0.5% of the amount of the monthly installment. It is added to the debt in this amount every day.
Loan secured
The conditions of a loan at Sberbank for pensioners provide for the possibility of borrowing large sums of money, only for this it will be necessary to attract guarantors without fail. The presence of individuals who increase money-back guarantees automatically increases the credit ceiling to 3 million rubles. The process of obtaining and servicing a loan is identical to the usual consumer option. The repayment period varies from 3 months to 5 years.
The main advantages of this type of lending are attractive interest rates and no payment fees.
Pensioners who are served by Sberbank can get a consumer loan secured by individuals with a rate of 16.5% per annum, and those who want to take money in dollars or euros will receive even greater benefits. For them, the annual percentage will be at least 13.5%.
Sberbank issues a loan to pensioners whose age at the time of the expiration of the contract will not exceed the threshold of 75 years.
Credit cards
Favorable rates for servicing credit cards with a large amount of the limit are available to pensioners who are participants in Sberbank's salary or pension projects. Also, this product can be obtained by borrowers with a positive credit history and customers with a debit card. In such cases, the credit card is offered to the client pre-approved. And the application for it is considered by the manager of Sberbank as soon as possible, he immediately reports the available limit on it.
It is enough for a pensioner to present a passport with Russian citizenship and registration. The annual interest rate on a credit card will vary from 18.9% to 24% per annum, and the maximum amount can reach 600,000 rubles.
car loan
Bank loans for pensioners can be provided for the purchase of a car, both new and used. If a car of domestic or Chinese production has already been in use, then its age should not be older than 5 years, and if a foreign car is made in another country, then it should be no more than 10 years old.
Does not include commissions. You can not provide proof of income if you make an initial payment of 30% of the loan amount for the car you like. You can also provide the bank with any of your property as collateral.
To buy a car, Sberbank is ready to issue a loan to pensioners, the interest on which will vary from 13.5 to 15% at the minimum rate, depending on the loan term. Preferential interest is also charged for using a loan in foreign currency: loans up to 1 year, up to 3 years and up to 5 are subject to 10.5%, 11.5% and 12%, respectively. The indicated prices are valid for pensioners serving in Sberbank as pension recipients, and other clients will receive a loan with a rate of 1% more.
As a loan, you can get up to 5 million rubles, and the smallest amount is 45,000 rubles. As soon as the bank has approved the application, the countdown for choosing the object of lending begins, which lasts 90 days.
Mortgage credit lending
To buy a home, you can find quite acceptable loan conditions in Sberbank for pensioners. This participant in the financial and credit market offers three home loan programs to older clients:
- purchase of finished housing;
- acquisition of an object under construction;
- building a house on your own.
Sberbank provides a loan for pensioners, the interest rate for which is one percent lower than the standard annual mortgage rate.
When purchasing finished or under construction housing, persons of retirement age have the right to take out a loan in the amount of 45 thousand rubles. The minimum down payment in this case will be 15% of the price of the house.
The maximum term of a housing loan is 30 years. With an initial payment of half the cost of the apartment, the borrower can make the loan more profitable, that is, the interest rate on it will drop to 12% per year.
Advantages of a pension loan at Sberbank
These offers on the modern credit market are the most attractive and profitable among all banks in Russia. Service at Sberbank for pensioners means the following benefits:
Loan conditions for pensioners differ in their benefits;
The loan can be repaid ahead of time without any additional payments;
Only highly qualified specialists serve pensioners;
· hot telephone line operates around the clock; by calling her, you can find out comprehensive answers to all questions of interest to the client;
a borrower of retirement age at Sberbank can become a member of a bonus program or a special promotion that favorably affects the state of credit debt;
Loan processing in this bank is distinguished by transparency and a clear presentation of all clauses of the agreement;
a variety of ways to repay a pension loan: cash payment at a bank branch, transfer from a plastic card, money transfer through the Zolotaya Korona or Contact system, crediting money to a credit account from an electronic wallet.
