To take a loan in the savings Bank you can only if you are 18 years of age. In addition, you must be either a Russian citizen or have authorization documents residence and work in Russia. While you can count on a minimum amount of 15 000 rubles. And the deadline of the application will take from 3 days to 3 weeks.
To the Bank's specialists can begin registration of all necessary papers, you need to write an application requesting the issuance of a loan. In addition, you must bring and present it to the Finance Department ID (passport) and documents that certify your creditworthiness (generally these include income, documents of ownership of real estate or a vehicle). Also you will need a copy of the work book, the INN, and the certificate of size of pension (if the borrower is a pensioner). If you want to increase your chances of getting a loan, if possible, try to provide information about your guarantors.
After you give all the necessary documents, credit inspectors, you will have to wait for their decision. In any case, the Bank will stop ringing and will report on the adopted resolution. If the decision is positive, then you can get your money. Sberbank offers its loans in one of three currencies - euros, dollars and rubles. After that, do not forget to repay their debts.
To pay the loan in two ways - differencirovannoe and annuity payments. In the first case, the debt repayment is decreasing from month to month sums. While the percentage charged on the balance owed and recalculate regularly. In the case of repayment of a debt of the second option payment must be received in the Bank in equal amounts. Of course, all these payments have to arrive on time. Otherwise, your history of loans in the savings Bank will be ruined. And the next time the Bank will easily be able to refuse without explanation.