How to apply for a loan in Sberbank Online?

To apply for a loan from Sberbank Online, go to the “Loans” section in the top menu.

Click “Take a loan from Sberbank.” A form will open for selecting loan parameters. Select the options that suit you, including the loan amount and term. Please note: the interest rate and monthly payment are calculated automatically. The loan repayment schedule is indicated next to the monthly payment amount. Select a service office convenient for you and click the “Apply for a loan” button. Confirm your loan application with an SMS password and fill out all fields of the application form. After filling out the form, the “Submit Application” button will become active. You can submit your application immediately or save it to submit later. The deferred application will have the “Draft” status - you can find it in the “Loans” section.

What is the processing time for a loan application at Sberbank?

The maximum period for consideration of an application is 2 working days.

How to receive money for an approved application?

You can receive money within 30 days from the date of approval. Enrollment period is 1 business day after approval and signing of documents.

If you receive a salary or pension to accounts opened with Sberbank, you can receive money in Sberbank Online in the “Loans” section. On the screen with the approved application, click “Apply for a loan.” If this button is not there, log into Sberbank Online again or contact the Sberbank office indicated in the application.

If you do not receive a salary or pension into your Sberbank account, contact the Sberbank office to apply for a loan.

When applying for a loan with Sberbank Online, you can:

Select loan insurance;

View the preliminary payment schedule;

Select a convenient repayment date;

View individual loan terms;

Select a card for crediting (here you can also refuse the loan, for example, if you need to fill out a new application).

Important: the loan is credited to a debit card account opened in the region where the loan was issued.

Card requirements:

The overdraft is paid off or not used;

The card is active and there are more than 2 months left before expiration;

Card currency - rubles;

The card account has not been seized.

How do I find out what my monthly loan payment consists of?

Information on your payment can be viewed in Sberbank Online in the “Loans” section. Select the loan you are interested in - on the loan page you will see all the information on the monthly payment.

How to find out your loan debt?

Information on your debt can be viewed in Sberbank Online in the “Loans” section. Select the loan you are interested in - on the loan page you will see all the information on the debt.

How do I find out if I have debt on loans from Sberbank?

You can view all debts in Sberbank Online in the “Loans” section.

How do I find out if I have outstanding loans from Sberbank?

You can view information on loans outstanding at Sberbank in Sberbank Online in the “Loans” section.

How can I arrange early repayment of the loan?

How can I find out what penalties I have been charged if I do not repay the loan on time?

You can find out information on accrued penalties in Sberbank Online in the “Loans” section.

The refinancing service, that is, lending to repay previously taken loans, is provided today by many well-known banks, including Sberbank. This practice helps to reduce loan payments and, as a result, reduce the burden of corresponding obligations on the debtor’s budget. The Sberbank loan refinancing calculator is a useful online tool that allows the borrower to pre-calculate the parameters of this product and evaluate its profitability. How to refinance outstanding loans through Sberbank? Under what conditions can this be done? What benefits do borrowers get from this? Why do you need a loan calculator? All these issues certainly require more detailed consideration.

Loan refinancing: why does a borrower need it?

Anyone can find themselves in a difficult financial situation. It happens that an urgent need for money forces a person to turn to bank lending services, which are sometimes not issued on the best terms - either the interest rate is too high, or the borrowing period is very short. Monthly loan payments, as a result, become burdensome for the borrower and his family. However, modern Russian banks offer clients to improve the repayment parameters of previously issued loans by refinancing them. As already mentioned, Sberbank is no exception in this case.

It is necessary to study in detail what benefits and preferences become available to Sberbank clients when using the service of refinancing (on-lending) of loans issued previously in any other banks or in Sberbank itself.

Refinancing at Sberbank

Refinancing loans from other banks through Sberbank promises debtors of financial institutions the following advantages:

Reducing the monthly payment to repay obligations on previously taken loans.
Reducing the actual cost of lending, reducing the annual interest rate on the loan.
Applying for a new loan without third party guarantees, property collateral and charging the client latent payments and additional commissions.
One refinancing loan from Sberbank can combine up to 5 (five) loans previously received by the borrower from other banks.
A refinancing loan can be issued by a Sberbank client for an amount exceeding the total volume of refinanced obligations. In this case, the debtor receives a loan of additional money for personal needs.
Information assistance to the citizen is provided by bank employees at all stages of this borrowing - consideration of the client’s application, rendering of a verdict by the lender, registration of contractual relations, provision of funds, repayment of loan obligations.
Possibility of preliminary calculation of all parameters and correspondence assessment of the economic feasibility of refinancing (on-lending) issued by an individual at Sberbank using a convenient Internet calculator.
The bank provides customer service according to a transparent and understandable scheme - without hidden mechanisms and pitfalls.
The loan repayment period can be increased at the client’s request if there is a need to reduce the burden on the borrower’s family budget.
The repayment period of the issued loan can be reduced at the request of the debtor if the current income of his family favors an increase in the amount of monthly payments, which will allow the debt obligations to be fully repaid before the agreed date.
An application for credit refinancing can be submitted by the client through an online form on the institution’s official website on the Internet.
The application is considered by the lender quickly and efficiently.

What loans can be refinanced through Sberbank

The following types of loans issued by other banks are subject to on-lending at Sberbank:

loans issued in the form of consumer lending;
loans provided to individuals for the purchase of vehicles;
current obligations on plastic credit cards;
current obligations for the overdraft activated on the debit card.

Consumer loans and car loans previously obtained from Sberbank can be refinanced exclusively together with loans provided by third-party financial institutions.

The principle of refinancing in Sberbank

Requirements for loans subject to refinancing through Sberbank:

Over the past twelve months, financial obligations under the refinanced loan had to be repaid by the borrower in full and on time (in compliance with the established schedule).
At the time of application, the loan agreement applied for refinancing at Sberbank must be valid for at least one hundred and eighty calendar days from the date of conclusion.
There must be at least another 90 (ninety) calendar days remaining until the end of the credit agreement period.
Refinanced loans were not required to be restructured during their entire term.

What are the conditions for refinancing?

Main parameters of the refinancing loan:

The minimum period is 3 months.
The maximum period is 5 years (60 months).
Flat annual interest rate – 13.50%.
The loan amount to repay obligations under loans from third-party banks is a minimum of 30,000, a maximum of 3,000,000 rubles.

The application is considered by the lender within two working days after the applicant provides a complete set of necessary papers.

There is no requirement to secure the loan with property collateral or third party guarantees.
The lender does not deduct any commission fees for issuing a loan.
Partial or full repayment of a loan intended to pay off loans from other banks is allowed early without charging the client additional payments, penalties and commissions in favor of the creditor bank, as well as without limiting the minimum amount of early payment. The loan is repaid on the annuity principle - in equal monthly payments.

Late payment on a refinancing loan results in the bank accruing the prescribed penalty.

The borrower must meet the following requirements:

The minimum age for issuing a loan is 21 years.
The age for full repayment of the loan is a maximum of 65 years.
Russian citizenship.
Registration within the Russian Federation.
Positive credit reputation.
Employment experience in the last place is at least six months.
Cumulative work experience over the past five years - at least 12 months.

Before applying for refinancing, you need to carefully study the conditions and calculate the profitability of refinancing

Documents for obtaining refinancing:

Application form of the established form.
Citizen's passport.
Information about current registration.
Documentary proof of employment and earnings.
Information about loans subject to refinancing.

Credit calculator

You can find an online consumer refinancing calculator at Sberbank, which functions as follows:

The parameters of the refinanced loan are indicated:

outstanding debt balance;
remaining term of the loan;
current interest rate.

The conditions for the requested refinancing are selected:

the payment remains at the same level with a maximum reduction in the term and overpayment or decreases with a constant lending period;
new interest rate.

Calculate the parameters of on-lending and determine the benefits.

Its essence is to obtain a new loan to pay off the old one. The conditions become more favorable.

Sberbank also offers such a program. And if an organization definitely refinances loans issued by other banks, then what about those that were taken out by the same institution?

Let's try to figure out whether Sberbank refinances its own loans and what is needed for this.

Is it possible to refinance

Sberbank, in accordance with the refinancing program, allows you to refinance several loans at the same time.

In this case, one of them can be taken from the bank itself. It must be joined by at least one third-party loan product that has not been fully repaid at another banking institution.

This service has many advantages. It allows you to reduce interest rates, increase loan terms, combine several loans into one, thereby making the process of repayment much more comfortable.

One of the disadvantages worth noting is that it takes some time to complete it. In addition, it is not always profitable.

Can Sberbank refinance its own loan? Yes, the organization refinances, among other things, its own loans, but not all.

The program is valid only for consumer and car loans, provided that a loan taken from another institution is refinanced at the same time.

The service does not apply to cards: credit and overdraft.

An even greater percentage reduction can be obtained by those who are ready to re-issue a mortgage taken out from a third-party institution.

This will allow you to refinance the debt taken out from Sberbank itself together with the mortgage at a rate of only 9.5% per annum.

For its clients, Sberbank significantly simplifies the process of obtaining services refinancing a loan taken from Sberbank. And there is also the option to apply online.

Please note that Sberbank does not refinance its mortgage programs.

Terms of service

On-lending is carried out only in ruble currency. Its rules will differ depending on what loans need to be reissued.

So, if, along with a Sberbank loan, you refinance another consumer loan or several, then the conditions will be as follows:

Amount - from 30,000 to 3 million rubles.
Loan terms range from 3 months to 5 years.
No guarantors or security are required.
There is no issuance fee.
Certificates stating that you have repaid debts from third-party credit institutions are not required.
The interest rate is 12.5% for loan amounts greater than 500,000 rubles and 13.5 for smaller amounts.

If you carry out on-lending under a program that includes a mortgage loan, then the conditions will be as follows:

The minimum amount is 500,000 rubles.
The maximum cost will be no more than 80% of the market price of the property registered as collateral. In general, there is an opportunity to receive up to 5 million rubles. directly for a mortgage, up to 1.5 million - to cover other debts, up to 1 million rubles. for personal needs.
Using this program, you can refinance one mortgage and up to five other loans, which may include consumer loans, car loans, and credit card debts.
The final percentage will be determined by many parameters. One of them is providing a certificate of repayment of re-issued debts, you can reduce the rate by one point.

How to refinance a Sberbank loan at Sberbank itself? The financial institution imposes certain requirements in relation to the borrower and the debts being refinanced.

They are as follows:

The calculation of the amount will be determined based on what documentation the borrower provides, his level of income, marital status and a number of other parameters.

The total number of debts to be refinanced must be at least five (six, including the mortgage).

Registration procedure

First, let's look at what documents are needed to carry out refinancing:

If a person receives a salary on a Sberbank card, then the list of documents is the same, in addition to certificates from the place of work. But when refinancing a mortgage, it will be needed in this case as well.

If you need to pay off a credit card debt, you will need information about the size and currency of your credit limit.

For a mortgage, you will need additional documents on collateral real estate, a certificate of ownership, a certificate of valuation, a registration certificate, an extract from the Unified State Register, the consent of the spouse to provide housing as collateral to a banking organization, and, if available, a marriage contract.

If the collateral is a house located on a plot of land, then documents are also needed for the latter.

Consumer loans are issued as follows:

When refinancing a mortgage together with other loans:

Please note that the interest rate on a new loan may be higher than promised. It will decrease when the repayment of all loans is documented.

There is also a restructuring service. It involves changing the terms of the loan if the client cannot fully fulfill his obligations.

This program is provided only in cases where difficulties can be confirmed: a person has lost his job, was called up for military service, has become incapacitated, or is on maternity leave.

The design in this case will be approximately the same.

Thus, loan refinancing at Sberbank is offered on fairly favorable terms, and you can also refinance the debt taken out there.

But first take into account all the points, calculate the benefits, compare different offers, and only then make an accurate decision.

In contact with

Every regional or foreign bank that works with individuals in Russia offers lending services. Loan interest rates often differ dramatically and change in one direction or another depending on the volatility of the Central Bank’s refinancing rate. When the market situation changes towards cheaper loans, clients should consider refinancing loans from Sberbank on more favorable terms. You can refinance for every consumer loan, car loan or mortgage.

Benefits for the borrower when applying for refinancing

Sberbank's refinancing programs are steadily gaining popularity among clients of other banks paying off large consumer or mortgage loans. Under the terms of the agreement, the new lender pays off the payer's debts to another financial company by providing a loan with a lower interest rate or an extended repayment period.

Important to remember! Refinancing or refinancing at Sberbank is a real opportunity to reduce the debt burden not only for borrowers who have financial difficulties, but also for other clients who are accustomed to counting money and controlling expenses. For example, re-issuing papers on a loan of 1 million rubles at a rate 2% lower than the current one will bring the borrower a benefit of at least 30-40 thousand rubles per year or 300-400 thousand over 10 years of repayment.

Sberbank is a large and popular financial company in Russia, which is rightly called the leader in lending. It is here that thousands of people receive loans every day on the most favorable terms with minimal interest rates. Consumer loan payers can apply for refinancing at Sberbank at 12.5-13.5% (depending on the amount), and for a mortgage from 9.5%.

Where to get money to open a small business

What attracts borrowers from other banks? Every day, applications are submitted to the lending department for the following reasons:

An abundance of programs for all categories of borrowers. Sberbank confidently occupies a leading position in the implementation of banking products - launching new loan programs on the market, developing favorable refinancing conditions, increasing the transparency of transaction stages, and round-the-clock access to banking services;
Reduced rates in the lending market compared to other lenders. Thanks to its widespread distribution, the Sberbank financial corporation offers clients better refinancing conditions than other banks by increasing lending volumes rather than one-time loans at a higher rate.

Important advice!

If paying off a consumer loan or mortgage has become problematic, and you have been working in one place for more than six months, consider the refinancing program at Sberbank. When drawing up a new agreement with a bank, the monthly payment amount can be reduced by the rate and by increasing the payment term, and the remaining funds can be deposited into the account monthly in the form of early repayment transfers.

Terms of loan refinancing agreements

Every working Russian has the right to contact the nearest bank branch to refinance at the minimum rate:

Consumer loan. To refinance a loan at Sberbank, you will need a minimum package of documents and a personal visit to the nearest lending department;
Mortgage. Refinancing home loans is a help for young families with a limited budget, as well as for borrowers who know how to plan expenses;
Car loan. High interest rates on programs that do not participate in subsidies are compensated by the terms of on-lending.

Buy a minibus with a route

The banking program can be used by a working citizen of Russia over 21 years of age, who has received professional experience for more than a year and has been employed in one place for at least 6 months. You can refinance up to 5 loans at the same time, issued more than 6 months ago, the repayment period of which is from 3 months. Parameters for refinancing mortgages and consumer loans at Sberbank are presented in the table.

Important to remember! Scheme: the smaller the amount and the longer the term, the lower the interest rate, which applies in other banks, does not work for on-lending. On the contrary, borrowers who have borrowed from 500,000 rubles have the right to count on a preferential rate.

How to refinance your loan at Sberbank

To start cooperation with the country's leading bank, you will need to visit the nearest branch. If you can apply for a consumer loan online, the application for refinancing is completed in the personal presence of the payer. Review of the application takes from 1 to 2 days.

Refinancing a loan at Sberbank

Your savings -

Comparison of loans

Calculate loan refinancing at Sberbank in 2020

Calculate your benefit from refinancing a loan online using the Sberbank calculator. Program and conditions for individuals 2020.

Sberbank of the Russian Federation is rightfully considered the most reliable credit and financial institution in the country, offering its clients a wide range of programs for obtaining and servicing targeted and regular loans. Today, many citizens prefer to take out a loan to pay off old debts from other banks, specifically from this institution. This operation is called refinancing or refinancing, which allows you to reduce the total cost of the loan by reducing monthly payments.

Conditions for refinancing loans at Sberbank

Flat interest rate 13.5% per annum.
Issuance of up to 3 million rubles for a period of up to 5 years.
Repayment of all debts on existing loans for the last year.
Confirmed absence of debt restructuring.
The minimum loan amount is 30 thousand rubles.

Sberbank refinances consumer loans 2020, car loans, credit cards, as well as debit cards with permitted overdraft.

Advantages of on-lending at Sberbank

Possibility of combining 5 loans into one with simultaneous repayment of all old debts.
Full transparency of all operations.
Consulting and information support.
Possibility of receiving an additional amount without increasing the monthly payment.
No requirement to repay loans from other banks.
Zero loan fee.
Convenient loan calculator.
Loyal interest rates.

You need to know this

Refinancing is an operation that in most respects is completely identical to obtaining a regular loan. Therefore, all conditions also apply here, from monitoring the financial and material condition of the potential borrower to documentary confirmation of the declared status and income.
The package of documents for refinancing at Sberbank includes complete information about the primary creditors with agreement numbers and details.
An application for a loan for on-lending is reviewed within 2 business days.
The form of loan repayment is annuity in equal monthly payments, that is, interest is paid first, and then the loan body.
The penalty for late repayment of the loan is 20% per annum, which is calculated on the balance of the debt.

Refinancing at Sberbank of the Russian Federation, according to customer reviews, is carried out promptly, allowing you to quickly switch to a more profitable debt repayment scheme.