If you want to issue the credit in Sberbank, be prepared for the fact that in any branch you will require your passport, the certificate on form 2-pit or on the Bank's letterhead, a certificate from the Pension Fund for pensioners and employment history for employees, as well as the questionnaire. In addition, depending on the type of loan you will need and other documents. For example, when obtaining a mortgage loan, you will need to submit documents for purchased housing, upon receipt of the loan on the vehicle. If necessary the credit inspector of the savings Bank may request other papers.
After you present to the Bank a full package of documents, the procedure of consideration of the application. Your data will be checked by security service and legal service, if there is a deal with real estate or other property taken as collateral. After the decision data services credit officer calculates your creditworthiness, and then the application is considered by a Credit Committee.
Once your application is approved, you will be invited to sign a loan agreement. In addition, you will be asked to sign the pledge agreement and your guarantor a contract of guarantee or one of these contracts, depending on security. Please note that the text of the contracts of amounts, terms, numbers at least once should be indicated in words, surnames, names and patronymic must be written correctly and completely, and all documents signed by the person referred to in the preamble.
Be sure to get your hands on the repayment of the loan if you will repay the loan in unequal installments. In Sberbank it is a separate document which States the monthly amount to be repaid, including principal and interest, as well as the total balance of the loan.
To issue the credit (to sign the credit agreement) you may within 10 working days from the date of the decision on issuance of credit. After this period you will have to collect new documents.