Sberbank of Russia offers a wide range of loans to both individuals and legal entities. As an individual, you can take out a consumer loan, education, mortgage or car loan.
Instructions
Step 1
Select the type of loan you want to receive.
Step 2
Go to the credit department of Sberbank of Russia for a consultation. You can find out where it is located at any branch of the bank. The department consultant will tell you in detail about the conditions, interest rates and the amount of the loan you have chosen. You will also receive a list of documents that you will need to provide. You can take out a loan yourself or involve a co-borrower. Some types of loans require a guarantor or pledger.
Step 3
Prepare a standard package of documents for obtaining a loan. It includes: application - a questionnaire (in the form of a bank); copies of passports of the borrower, co-borrower; if necessary - copies of passports of the guarantor and the pledger.
Step 4
You also need documents that confirm the financial condition and work activities of the borrower and co-borrower. They are: a certificate in the form 2-NDFL for the last 6 months from the place of work, a certified copy of the work book (for those working in an organization, enterprise, institution); certificate of the amount of the pension paid for the last month (for pensioners); book of accounting of income and expenses; copy of the certificate of registration as an entrepreneur (for entrepreneurs).
Step 5
If you are working part-time, provide documents from your second job. When granting a loan for education, make a copy of the agreement concluded with the educational institution for the training of a specialist and a copy of the license of the institution itself.
Step 6
Submit the documents to the credit department of the bank and wait for a decision on granting you a loan. The decision is made within two days. The amount that the bank can provide you will directly depend on your income.
Step 7
If you took out a consumer loan, get your hands on money.
Step 8
To provide a loan secured by collateral, collect the necessary documents for providing collateral. In this case, the bank will transfer the loan amount directly to the seller.
