Loan at minimum interest: where to apply?
To cooperate with the bank was beneficial,it is necessary to familiarize yourself with the programs of banks. A loan with a minimum interest will be the best choice, since then you will not have to overpay. Now several banks offer similar conditions, you just need to choose the right ones. It is most profitable to contact Sberbank, but usually customers need to collect various documents, as well as undergo a lengthy clearance procedure.
Where to turn?
In Russia there are many banks thatoffer their terms. But not all of them are beneficial for people. The programs differ in terms of registration of the contract, amounts, rates. A minimum interest loan must be issued in a trusted bank. Their list includes:
- Sovcombank.
- "Renaissance Credit".
- "Home Credit".
- Sberbank.
- Citibank.
Each company offers an individualan approach. Salary clients have the right to receive favorable terms of cooperation. You can apply to a bank that has just opened in the region. Such institutions attract customers with profitable programs, so getting a loan at minimum interest will be real.
Often, at low interestlarge fines, additional costs, insurance. It is necessary to use the services of those banks that do not hide overpayments. Honesty in this matter is very important.
How to get the minimum percentage?
To get a loan at a minimum interest, you need to choose the right program. To design a consumer loan, you need:
- have a high salary;
- provide a security;
- be the owner of a good credit history;
- attract guarantors.
Thanks to this, you can quickly pass all the checks,receiving a positive answer. Such customers are offered favorable conditions. Long decoration reduces the rate. Loans for 2 documents that are issued for 1 day, have a high percentage. Banks take into account the place of work and experience, the composition of the family. It is necessary to carefully fill out the questionnaire, not missing any important moment.
The minimum percentage
You can meet the proposals, according to whichrate of 10% for consumer loans. The minimum percentage can be higher. The rate is about 15-20%. A figure above 20% is not considered a profitable proposal.
In each region, rates differ. Therefore, you need to familiarize yourself with the proposals of several banks by selecting the appropriate one. One should not look for an unrealistically profitable program, since financial organizations will not work at a loss. It is undesirable to use credit intermediaries, since many of them take interest.
Target loans
A non-targeted loan with a minimum interest in Moscowmore expensive than the target loan. The borrower, who lacks specific plans, poses a risk to the bank. If you need money to buy a car, education or a vacation trip, then you should choose the target program.
There is a possibility to make a loan for treatment orwedding. Such programs will save you 3-5% per annum. If you need to get a large amount, then such a benefit will be noticeable. For targeted programs, additional documentation is needed, as well as confirmation that the funds are being used for the intended purpose.
Types of loans in Sberbank
Interest rates on loans are profitable in Sberbank. The organization offers several types of loans:
- Consumer. It is provided for everyday needs. The maximum period is 25 years.
- Housing. With his help you will be able to buy real estate in a new building or build your own house. Payment period - up to 30 years.
- Automotive. Loans are issued for the purchase of a personal car. Loan term - up to 5 years.
Each of these services has its own characteristicsclearance. More details about them can be found on the website or in the office of the bank. Making any loan involves signing a contract, which contains the terms of cooperation.
Getting a consumer loan
In Sberbank, you can get a loan for pensioners underthe minimum percentage. Loans for security and surety are arranged. The maximum amount is 1.5 million rubles. The payment period is within 3 months - 5 years. To receive funds without third-party security, you need to prepare some documents:
- statement;
- passport;
- confirmation of temporary registration;
- employment and income.
If you need a large amount, you need to inviteguarantors. With this circumstance, you can get up to 3 million rubles. The decision is made by the bank within 1-10 days. In Sberbank, interest on loans may be low if there is a collateral in the form of real estate. Then a large amount is given.
Nuances of the service
If a person is not a regular customerSberbank, the rate will be about 19-20%. When making a loan in foreign currency, overpayment will be 15%. The minimum loan amount in Sberbank is 15 thousand rubles, and the maximum amount - 750 thousand rubles. If security is available, the amounts are doubled. The crediting period is equal to 5 years.
Favorable conditions are granted to regular customers. The rate will be lower by 8-10%. And the minimum and maximum amount will be at the same level. It turns out that overpayment will be small.
Insurance
The service is beneficial for banks that are afraiddeath or loss by the client of legal capacity. Usually the amount of payments is similar to the debt, but it can not be higher than 3 million rubles. The rate will be about 2-3%, but for each client it is set individually.
Insurance is not compulsory. If the bank is assured that the execution of the contract influences the decision, then it should not be believed. Even if insurance is not chosen, the continuation of the transaction will not change.
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