Sberbank bank calculator consumer credit. Calculate a cash loan at Sberbank
One of the most popular types of loans among citizens of the Russian Federation is a cash loan at Sberbank. This is due to fairly favorable lending conditions and a loyal attitude towards each client. A cash loan for different bank customers may differ in its conditions. To understand how much loan is available to you and under what conditions it will have to be repaid, you can use the loan calculator below.
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If you want to take a cash loan from Sberbank, the calculator will help you pre-calculate all the conditions for obtaining and repaying a loan. You can also apply online for it.
Amount of credit
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Interest rate
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Loan terms
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Calculation results
Monthly payment:
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Loan repayment:
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Total cost:
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Cash loan at Sberbank: types of loans
If you decide to take a cash loan from Sberbank, first you need to decide which type of loan is right for you. Not only the terms of the loan itself depend on this, but also the amount of the amount that can be borrowed.
Today you can get a loan from Sberbank on the following conditions:
- No collateral. This is a standard scheme for obtaining a cash loan without guarantors and collateral.
- With security. Such a scheme for obtaining a loan implies the presence of guarantors who can provide their income certificates. The data specified in them affects the amount of the loan that the bank can provide to the client.
- With a pledge. This lending condition allows you to get a larger loan amount. Various property owned by the client can serve as collateral.
- Refinancing a cash loan received from another bank. The conditions for such a loan are selected on an individual basis, taking into account the data specified in the agreement.
Important! Through the website of Sberbank, you can only submit a preliminary application for a loan. The final decision on it is made at the bank branch. The contract itself is signed there.
Features of the loan
As in almost all financial institutions, in order to receive a cash loan at Sberbank, the main parameters requested from clients are their age, Russian citizenship and a permanent place of work. Other conditions may differ from each other and relate only to certain types of loans.
Requirements for clients applying for a loan
The main list of requirements that Sberbank imposes on customers wishing to take out a loan includes:
- Age restrictions from 21 to 65 years. It should be borne in mind that such restrictions are very conditional and are considered on an individual basis. If the client's age is close to the upper limit of the acceptable norm, he is unlikely to be approved for a long-term loan.
- Official employment. The client must be officially employed within the last 6 months. If a person receives a salary at Sberbank, this period can be reduced to 3 months.
- Work experience. Over the past five years, a client who applied to the bank must work for at least a year. For pensioners, this period is reduced to six months.
Important! Sberbank issues a cash loan for a period not exceeding 5 years (60 months). Payments must be made monthly in equal installments. An online calculation performed using a calculator will also help you make an approximate payment schedule.
Interest on the loan
The interest rate depends on the type of loan chosen. If you want to calculate the loan terms in advance, the calculator will help you do it pretty quickly. You just need to choose the type of loan you are interested in and focus on its main conditions:
- The interest rate for unsecured loans is 16.9-21.9% for loans for up to 2 years and 17.9-22.9% for up to 5 years;
- For a loan with a guarantee - 15.9-20.9% for a loan for a period of up to 2 years and 16.9-21.9% for a period of up to 5 years;
- For loans secured by property, when requesting an amount of up to 40% of its value - 15% for up to 10 years and 15.5% for more than 10 years. If the loan amount is from 40 to 60% of the value of the collateral, for a period of up to 10 years the interest rate will be 15.25%, for a period of more than 10 years - 15.75%.
You can learn more about the conditions of a particular type of loan using the online calculator.
Sberbank of Russia is the largest Russian bank with an extensive network of divisions and offices offering a wide range of loan products for individuals and pensioners. The Sberbank loan calculator will allow you to calculate the exact date and amount due online, taking into account the data provided.
What loans does Sberbank issue?
The main specialization of the bank is consumer loans for any purpose. They are issued both without collateral and under the guarantee of individuals or mortgage of real estate. Separate conditions await military personnel and participants in the NIS, as well as farmers with personal farms.
A special educational loan with state support has been developed for young and active people. Sberbank also offers loans to pay off debts in other banks (refinancing) and more than 6 types of mortgage loans.
Calculate any of these loans, find out the planned monthly payment will help Sberbank loan calculator. It is enough for a potential borrower to indicate the required amount, rate, type of payment, date and term, and the monthly payment will be calculated by itself. Of course, you can calculate the payment yourself, but this takes at least 15-30 minutes, and when it comes to hundreds of thousands of rubles, the difference in calculations can be huge. In such cases, you simply cannot do without a Sberbank loan calculator.
Sberbank loan calculator
Sberbank loans
Sberbank has prepared various products for its clients. For example, any citizen of the Russian Federation aged 21 to 65 can apply for a non-targeted consumer loan without security using one passport. At the same time, the interest rate for the use of borrowed funds will not exceed 23.5% per annum for payroll clients or pensioners, and 29.5% for all others, and the maximum amount is 1.5 million rubles.
The bank offers very interesting conditions for an educational loan with a deferred repayment period for the entire period of study and 3 additional months. At the same time, insurance or loan collateral is not required, and the interest rate is set at 7.06% and directly depends on the Central Bank refinancing rate at the rate of (1/4 refinancing rate + 5 percentage points).
| Credit | Max. sum | Min. Bid | Max. term | Payment type | Calculation |
|---|---|---|---|---|---|
| Consumer without security |
1500000 rub | 16,9% | 60 months | annuity | |
| Consumer on behalf |
3000000 rub | 13,9% | 60 months | annuity | |
| non-targeted pod pledge of real estate |
10000000 rub | 14% | 240 months | annuity | |
| Loan for military personnel and NIS participants |
500000 rub | 15,5% | 60 months | annuity | |
| Consumer on refinancing |
1000000 rub | 14,9% | 60 months | annuity |
Sberbank of Russia consumer loan calculator will help you calculate the monthly payment for any of the presented types of loans.
Mortgage and mortgage calculator of Sberbank
Sberbank of Russia offers its clients more than 6 types of mortgage products designed specifically for different categories of the population, including military and young families.
| Name mortgages/ options |
Min amount | Max amount | Rate in per annum |
Min term |
Max term | Initial contribution |
|---|---|---|---|---|---|---|
| Mortgage with state support |
45 000 rub | 8 million for Moscow and St. Petersburg 3 million for regions |
From 11.9% up to 12.9% |
1 year | 30 years | From 15% from the cost |
| Acquisition finished housing |
300 thousand rubles | No more than 80% of the price | From 13.5% to 14.5% | 1 year | 30 years | From 20% of the cost |
| Acquisition housing under construction with the provision |
300 thousand rubles | No more than 80% of the price | From 13.5% to 14.5% + surcharges up to 2.5% | 1 year | 30 years | From 20% of the cost |
| Military mortgage |
No | No more than 80% of the price | 12,5% | 1 year | 15 years | No |
For mortgage programs with the purchase of finished or under construction housing, repayment is available with the help of financial capital.
The main package of documents that will be required to apply for a mortgage of Sberbank of Russia:
- Passport of a citizen of the Russian Federation with a residence permit
- Any second document (passport, TIN, SNILS, etc.)
- Documents to confirm employment and financial status (certificate of 2NDFL for the last 6 months, a copy of the work book)
- Direct application with personal data
If the mortgage loan provides for a pledge, then a prerequisite is the provision of documents on the collateral property (original certificate of ownership; original contract of sale, exchange, donation, etc.; extract from the USRR; cadastral passport with a detailed plan, etc.)
If the bank makes a positive decision on the client's application for a mortgage product, then within 2 months you need to provide an additional package of documents:
- Full set of documents for the loaned premises
- Payment order for payment of the down payment
To obtain a mortgage under the Young Family and Maternity Capital programs, an additional package of documents is required.
Ways to repay a consumer loan in Sberbank of Russia
The bank offers its customers to repay the loan in several ways to choose from:
- By making a payment through the cashier
- At an ATM or PVN of the bank from your card
- Through the personal account of the Internet bank "Sberbank-Online". To do this, the borrower must have a debit or credit card. For convenience, you can activate the "Autopayment" service and the money will be debited from the next installment on the loan automatically on the specified date
- Automatic debiting of funds from the card account of Sberbank after issuing a written instruction for debiting funds by the bank. A similar agreement can be drawn up for debiting funds from a deposit account.
Penalties for late monthly payments
As penalties for late payment of a loan, Sberbank applies a penalty to borrowers in the amount of 20% per year of the amount of the planned payment for the entire delay period starting from the date following the date of the next payment to the date of the actual payment.
To apply for a loan at Sberbank online, you need to follow a number of simple steps. Go to your personal bank website online and fill out the form in the online calculator. Next, fill out the form that opens and select the loan parameters: its amount, repayment period - the program will automatically calculate the allowable interest rate. At the same time, you will also see a schedule for making payments for the product. Choose the branch that is convenient for you to visit and apply online for a loan by clicking on the appropriate button. Then it remains only to visit the office and take a loan. An application for a loan in the online service is already ready to be sent, but it does not have to be sent immediately. In the calculator that Sberbank offers to use, the online application is saved in drafts. The submitted online loan application will be located in the section of the same name. After you send an application for a loan to Sberbank online, you will not receive an answer immediately, but your request gets priority over those applications that customers submit at the branch. And although, according to the regulations, two days are allotted for consideration, an online application at the bank is usually considered on the same day.
How to apply to Sberbank online?
Applying for a loan at Sberbank online has a number of undeniable advantages.
- Saving time. Using the calculator, you can easily calculate an online loan and determine the appropriate payment schedule without visiting the office;
- Ease of use. The interface of the search engine, with which you can select and apply for a loan, is made simple and understandable. In the appropriate columns, you only need to indicate its amount and a convenient payment period. Parameters such as interest rate and payment schedule will be calculated automatically.
- An easy search for a loan offered by Sberbank - the online configurator will display only those offers that may interest you.
- The ability to compare loan parameters and weigh the pros and cons to get the right loan.
You can use a similar search engine on the Vyberu.ru portal. To select the required bank product, you need to click the "Banks" tab at the top of the screen, move the cursor to the "Loans" item and select Sberbank of Russia in the window that opens. The Vyberu.ru search engine is also convenient because it allows you to set more parameters by which you can apply for a loan online: its purpose, security, application consideration period and special conditions. A loan application formed to be sent to Sberbank may include specialized targeted programs.
Vyberu.ru makes it possible to easily compare the conditions under which Sberbank provides a particular financial product and submit an application. Using the Vyberu.ru calculator, you can easily determine the appropriate loan size, its interest rate and repayment period. Knowing the main parameters, it is easy to calculate the loan payment schedule and choose the right option, taking into account the specified parameters. After you find the best loan program for you, all that remains is to submit an application online - the bank will consider it in order to issue a loan. According to the regulations, Sberbank considers such an online loan within two business days (in practice, faster).
Consumer loans are very popular among the population - they provide an opportunity to get the required amount for your own needs in a short time. At the same time, you don’t have to borrow from relatives, friends or colleagues, you don’t have to depend on someone. Let's consider how attractive the loans offered by Sberbank of the Russian Federation are, and what needs to be done to obtain them.
| Name of loan | % Rate per year | Credit term | Amount of credit | Loan security | Income verification |
|---|---|---|---|---|---|
| Military mortgage for the purchase of finished housing | from 9.5% | up to 20 years | up to 2.398 million rubles | Pledge of the loaned premises | Not required |
| Military mortgage for the purchase of housing under construction | from 9.5% | up to 20 years | up to 2.398 million rubles | Pledge of the loaned premises | Not required |
| Loan for suburban real estate | from 9.5% | up to 30 years | from 300 thousand | Mortgage of the loaned premises, Physical guarantees. persons. |
Help in the form of a bank |
| Loan for the purchase of finished housing | from 8.6% | up to 30 years | from 300 thousand to 15 million rubles. | Mortgage of the loaned premises, Physical guarantees. persons |
Not required |
| Loan for the purchase of housing under construction | from 6.7% | up to 30 years | from 3.8 million to 8 million rubles. | Pledge of the loaned premises | Not required |
| Loan for the construction of a residential building | from 10% | up to 30 years | from 300 thousand | Pledge of the loaned premises | Help in the form of a bank |
| Loan to individuals leading a personal subsidiary farm | 17,00 % | from 3 months up to 5 years | from 30 thousand to 1.5 million rubles. | Help in the form of a bank | |
| from 12% | up to 20 years | from 500 thousand to 10 million rubles. | Pledge of the loaned premises | Help in the form of a bank | |
| Educational loan with state support | from 7.5% | study period extended by 10 years | up to 100% of the cost of training | Without collateral | Not required |
| Consumer loan without collateral | from 12.9% | up to 5 years | up to 3 million rubles | No collateral, no guarantors | Help in the form of a bank |
| Consumer credit to military personnel - NIS participants | from 16.5% | from 3 months up to 5 years | from 30 thousand to 1 million rubles. | up to 500 thousand without collateral | Help in the form of a bank |
| Consumer loan for refinancing loans | from 11.5% | up to 7 years | 3 million rubles | Not required | Not required |
| Consumer loan for refinancing bad debts | Equals ref. credit | from 6 months to 5 years | amount for full repayment of problem loans. | Guarantees of natural persons | Help in the form of a bank |
| Consumer loan secured by individuals | from 11.4% | from 3 months up to 5 years | up to 3 million rubles | Guarantees of natural persons | Help in the form of a bank |
| Refinancing secured by real estate | from 9.5% | up to 30 years | from 300 thousand | Not required | Help in the form of a bank |
Did you know? "Sberbank "of Russia is the oldest bank in the country. Its birthday is November 12, 1841, the day when Nicholas I issued a decree on the establishment of savings banks. Sberbank has the highest level of trust among the population of the Russian Federation, attracts customers by introducing loyalty programs and regularly holding promotions .
"Consumer loan without collateral": documents and conditions for obtaining a loan
Borrowers have the opportunity to receive up to one and a half million rubles for 5 years and at the same time - many pleasant bonuses:
- the absence of any collateral;
- the right to spend money at your own discretion (without reporting to the bank);
- no commission;
- favorable rate - from 14.9 to 21.9% per year.
Calculate a loan by contacting Sberbank and arrange it within the power of every paying and able-bodied citizen of the Russian Federation. There are some age restrictions: the borrower must be over 21 years old and at the time of the final settlement - no older than 65 years.
Important! "Sberbank" allows temporary registration (with a limitation on the terms of the loan by its action), but requires the provision of a passport office certificate confirming the borrower's residence at the specified address.
The following documents are required to apply for a loan:
- application-questionnaire(her form is on the site);
- passport;
- certificate of registration form No. 9. If you have a temporary registration, you can get a loan only for the duration of its validity;
- guarantor's documents(passport, employment certificates);
- evidence of solvency and employment(valid for 30 days from the date of issue);
- documents for collateral if it is provided;
- employment record and certificate of experience.
Did you know? Documents on solvency: certificates - from work in the form 2-NDFL, on the amount of pension, a certified copy of the tax declaration (form 3-NDFL).Employment documents: copies of the work book (agreement, certificate, contract from the place of work), certificates of state registration of individual entrepreneurship.
Applications are considered within two working days (but with the right of the bank to increase this period). Time begins to be counted from the filing of the entire complex of required papers. Borrowers-clients of Sberbank - with salary and pension cards, have benefits:
- the time for consideration of their applications is up to two hours;
- provide only a passport;
- receive tax breaks, etc.
Credit online calculator "Sberbank"
To correctly calculate the terms of the loan with all the additional features and services, use. Here you can get all the necessary information about the proposed loan and decide for yourself which conditions will be more profitable for you. 
How to apply for a loan online?
You can apply for any type of loan not only at a Sberbank branch, but also online. To do this, log in to Sberbank Online, and go to the "Loans" section.
The system will provide an application where you will need to fill in the following fields:
- Type of loan;
- Loan conditions (standard, secured, with a guarantor);
- Credit term;
- Amount of credit;
- Currency.
When filling in the required fields, do not lose sight of the additional fields. As practice shows, it is better to fill in all the fields with additional information, so that later there is no need to visit the Sberbank branch again. When the application is processed, a bank employee will contact you to tell you about the next steps.
How to get a "Consumer loan guaranteed by individuals" in "Sberbank"
This type of loan offers three million rubles for a five-year period at a rate of 13.9-20.9% for its customers and 15.9-21.9% for other borrowers. It is possible to increase the amount of the expected loan, taking into account the income of the spouse (s). A calculator will help you approximately calculate a consumer loan from Sberbank of Russia.
Necessary conditions in order to take a loan from Sberbank:
- be a citizen of the Russian Federation over 18 years of age. The Bank has set some age restrictions: the age group from 18 to 20 years old is prohibited from having co-borrowers, and parents are the guarantors. Age limit - not older than 75 years old at the time of payment for the loan;
- work experience (the last six months and at least 1 year in 5 years).
Papers submitted:
- statement;
- passport;
- confirmation of solvency and employment;
- confirmation of the relationship of clients 18-20 years old and guarantors.
Important! To save time, you can apply online. However, an online loan application does not guarantee a positive result - one cannot do without a personal visit to Sberbank.
"Consumer credit to military personnel - participants of the NIS": who is entitled to a preferential loan
A special lending scheme is provided for military personnel who participate in the NIS. They are offered:
- receive five hundred thousand rubles with 16.5% (without collateral), one million - with 15.5% (with a guarantee) for a period of five years;
- the purpose of lending does not matter (for the purchase of housing, recreation, etc.).
A serviceman who wants to receive a loan must be at least 21 years old and have a Military Mortgage loan or apply for this loan with Sberbank. When applying, submit:
- statement;
- passport;
- confirmation of financial security and employment of the applicant;
- certificate of military service (if you have a mortgage).
Important! Clients of Sberbank (receive pensions, salaries, scholarships), applying for loans, receive preferences and benefits (reduction of rates by 1-2%, the uselessness of providing a number of certificates, etc.).
How to get a “Non-purpose loan secured by real estate" in Sberbank and what you need for this
Long-term loans (20 years) in the amount of 500 thousand to 10 million rubles are popular. They attract with low rates - 14% (a calculator will help you calculate the loan from Sberbank correctly).
It is not required to pay a commission and bring confirmation of the use of the received money. Housing (apartments and private houses), land plots and other property are left as collateral. The loan amount will be up to 60% of the valuation of the mortgaged property, but not more than 10 million rubles.
The client-borrower is required to have insurance (if it is not available, the rate increases by 1%). The age limit of the borrower is 21 years and older (at the time of settlement with the bank - no older than 75 years).
A loan will not be issued if the borrower or one of the co-borrowers:
- is engaged in individual entrepreneurship;
- has the right to sign financial documents of a small enterprise;
- has more than 5% of the capital of a small enterprise;
- is engaged in farming.
In addition to the application and passport, the following are required:
- certificate from the passport office (for temporary registration);
- confirmation of solvency and employment.
In case of a positive decision, documents on real estate must be provided to the bank (no later than 60 days later). The exact list of securities is provided by the bank. Usually this is a confirmation of ownership, a cost estimate, a certificate of state registration of ownership, a technical passport, the consent of the spouse (s) for a pledge, a marriage contract, a certificate from the housing office, etc.
The application is considered in 2-8 business days.
"Consumer loan for refinancing": conditions and interest rates
Its purpose is to reduce payments on previously taken loans, remove the encumbrance from a car bought on credit, repay up to five different loans, replacing them with only one. Money on credit is provided by Sberbank (no more than 1 million rubles), an online calculator will show the full profitability of such refinancing in a five-year period.
Before confirming the designated purpose, the bank sets rates from 19.9 to 21.9%. After confirmation - already from 14.9 to 16.9%. Interest rates of bank customers are 1-2% lower.
For registration, you need to write an application and prepare a certificate of income, documentation on previous loans (statements of residual debt, details, dates and numbers of agreements, rates, etc.). All paperwork must be submitted within one month from the date of registration.
How to get a "Credit for individuals leading a personal subsidiary plot" in "Sberbank"
Sberbank offers consumer credit to owners of plots throughout the Russian Federation (except Moscow). The owner is entitled to a loan of up to 700 thousand rubles with a 20% rate for 5 years. Owners of plots, Russian citizens aged 21 years and older, who have submitted an application, passport, confirmation of work experience and solvency, and an extract from the household book, can take advantage of the offer.
Did you know? It is prohibited to charge a fee for repaying a loan earlier than the due date. This operation is free. To avoid standing in lines, you can pay for a Sberbank loan via the Internet with a bank card.
Thus, it will be most beneficial to take advantage of the proposed loans from Sberbank to its customers. The lending procedure is identical: filing an application, preparing the necessary documents and, if the criteria are met, a one-time transfer of money.
To make a preliminary decision on taking a loan, a special loan calculator has been developed at the bank. Thanks to him, you can do all the calculations without leaving your home, choosing the most optimal repayment options for different loan sizes.
Consumer loans are among the most popular banking products of Sberbank. Anyone who has a desire to issue it is interested in the question: "How to calculate the interest and the amount of monthly payments?". There are two ways to find out. The easiest is to contact the bank branch and get all the data. But this will take your own time. And the result may not always be satisfactory if you are not satisfied with the terms of the loan.
In order not to waste time, there is the most comfortable way - to make a calculation online.
You can calculate loan payments online. Choose an interest rate for standard Sberbank programs or an arbitrary value.
Standard loan offers
- Consumer loan without collateral
Rate from 11.9% - Consumer loan secured by individuals
Rate from 12.9% - Loan to individuals leading a personal subsidiary farm
Rate 17% - Non-targeted loan secured by real estate
Rate from 12%
Online loan calculator form
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