Service of granting loans to the populationdevelops rapidly. In the media, you can regularly hear or see ads with beautiful promises of loans at zero percent. In practice, this is extremely rare, only if the manufacturer of a particular product or service is ready to pay interest on loans from his own pocket, purely for the purpose of increasing sales. In all other cases, we are talking about standard bank loans for which interest will be paid. An exception can be only privileged periods of time, determined by the conditions of special actions.

If we talk about loans to the population offeredfinancial institutions, then basically distinguish the following types: mortgage, for car purchase and consumer credit. Sberbank provides all kinds of similar services, and the last of the listed is discussed further in the article.

To begin with it is necessary to be defined, for whatyou can use similar loans. They can pay for repair of housing or cars, purchase of home appliances and even travel, that is, the purpose of obtaining it can be any. For all these needs you can take a consumer loan. Sberbank offers several programs at once.

In standard packages in a debt it is possible to receive the sumup to 3 million rubles, but in this case it will require the guarantee of other individuals. In case of his absence, you can count on an amount not more than one and a half million. Traditionally, the minimum stake is in foreign currency for existing customers (for example, participants in payroll projects). Debt can be paid up to five years, and you can take it in rubles or foreign currency.

Consumer loan - Sberbank and special programs

Lower interest can be paid in caseThe presence of a potential borrower of real estate, which he can leave as collateral. Their magnitude will not exceed the level of 14.5% per year. In doing so, you can "borrow" a very substantial amount (up to ten million rubles) and spend it on anything.

Those who need money for education (secondary,higher or additional), there are several reasons to pay attention to Sberbank. "Consumer loan for training" is distinguished by more favorable conditions. The interest rate is lower than for standard loans, and the maturity is increased to 11 years.

Another credit program, through whichthere is an opportunity to pay for their education, working with the state subsidy. The maximum loan amount does not exceed the cost of training, and you can pay within ten years after the end. Interest on the loan "floating", vary depending on the size of the refinancing rate. In any case, their magnitude is significantly different in the smaller direction and at the moment it is just over five percent. It is a pity that you can get money only to pay for education in an educational institution that has been accredited for participation in this program.

Consumer loan - Sberbank and other lenders

If you compare this financial institution with others - similar and offering similar services - you can note its following advantages:

• sufficiently loyal conditions for the borrower;
• relatively low interest;
• transparent payment schemes;
• absence of commissions.

Those who need a quick loan, and confirmationThere is no income, the road to Sberbank is closed. Such loans are better to look elsewhere, while the interest rate on them will exceed twenty per cent per year.

Thus, if it is necessary to obtainconsumer credit, Sberbank offers quite interesting conditions. The borrower will only have to confirm his income, collect the necessary documents and wait for some time, during which his application will be considered.