Deposits in Sberbank for today. Mortgage in Sberbank: conditions, interest rates, deposits. Basic conditions for issuing mortgage loans

To keep their savings, citizens place funds on a deposit that allows them to receive certain additional profits. Not too trusting of most private banks, many people bring their money to Sberbank, which has enjoyed a well-deserved trust for many years. It is not surprising, therefore, that interest rates on deposits in Sberbank in 2015 are of great interest to the population.

Sberbank deposits in 2015

For individual depositors, the bank offers deposit products of the following types:

With interest capitalization;
with the addition of funds to the deposit;
with partial withdrawal of money (up to the established minimum balance).

All three of these conditions are met by the "Manage" deposit. Deposits in the bank can be placed in addition to rubles in euros, Swiss francs, dollars, yens, pounds sterling. By opening a special multi-currency deposit, bank customers can transfer their investments from one currency to another, thus earning additionally on the difference in their rates.

The most popular in Sberbank are deposits at interest "Save", "Manage", "Replenish". Also, since July 2015, the “Profitable Season” deposit began to operate, with a higher rate than other programs.

Sberbank: interest rate on deposits in 2015

The new deposit "Profitable Season" promises from 11.3 to 12%. The minimum investment you can make is from 1,000,000 rubles at 11.3% (up to 10,000,000). 12% will be charged on amounts starting from 10,000,000 rubles.

It is possible to open a “Save” deposit both in rubles (minimum 1,000), and in dollars (from 100) and euros (from 100). In rubles, the rate will be 6.3-9.07%, in euros - 0.1-1.87%, in dollars - 0.3-1.78%.

The “Manage” deposit can be regularly replenished, and also, if necessary, partially withdraw money. The amount for its opening starts from 30,000 rubles, from 1,000 euros / dollars. Interest: 5.85-7.31% in rubles, 0.3-1.56% in euros, 0.75-2.58% in dollars.

Interest rates on Sberbank deposits in 2015 are not too high, but they allow you to increase your funds without worrying about their safety. Deposit "Replenish" can be opened by those who wish to save money constantly. The minimum is 1,000 rubles, 100 euros/dollars each. You can top up with the same amounts. Interest rates: ruble deposit - 6.85-8.07%, in euro - 0.5-1.76%, dollar - 0.8-2.68%.

The "Multicurrency" deposit, having opened it in three currencies at the same time, can be replenished from 1,000 rubles, from 100 euros / dollars, as well as by bank transfer (unlimited). Additionally, income from jumps in the exchange rates of these currencies is possible. Rates: 0.01-6.68% for ruble deposits, 0.01-1.61% for euros, 0.01-2.63% for dollars.

The "International" deposit is provided for such currencies as Swiss francs, British pounds and Japanese yens. It gives the investor the opportunity to earn, in addition to interest, also on fluctuations in the exchange rates of these currencies. Interest rates are as follows: 0.1-2.65% (Swiss francs), 0.7-4.5% (pounds) and 0.3-2.65% (yen).

Interest rates on deposits in Sberbank made online

Deposits "Save", "Manage", "Replenish" can be opened via the Internet, using the service "SberbankOnline". The conditions for placing money on them are similar to the conditions for deposits of the same name opened when visiting a bank office. However, the rates are slightly different:

"Save Online": 6.5-9.52% in rubles, 0.2-2.12% in euros, 0.4-3.04% in dollars;
ManageOnline: in rubles - 6.15-7.72%, in euros - 0.55-1.81%, in dollars - 1-2.84%;
"Replenish Online": 7.05-8.69% for a ruble deposit, 0.65-2.02% for euros, 1.05-2.94% for dollars.

In accordance with which deposit conditions are preferable, you can invest your savings on any of the specified ones, with the conditions for replenishing the deposit or the opportunity to partially use the funds.

The unstable economic and political situation in the country led to a rush to buy real estate in 2014. Many Russians who are planning to buy a home have decided not to postpone the purchase, but to take out a mortgage.

Sberbank has been enjoying the trust of the population for many years, which plays an important role in a crisis, because customers at such times prefer reliable credit institutions with a proven reputation.

In this article, we will tell you what mortgage conditions Sberbank offers, what rates will apply to loans in 2015, and also compare the bank's offers with competitors' programs.

Terms

Sberbank mortgages are available for different categories of borrowers, including young families and the military. The bank also offers a loan without proof of income and employment, which is important for clients who do not have official income. Another advantage of a credit institution is that there are constantly promotions that allow you to get a loan on favorable terms.

At the moment, the site presents special programs for young families and for new buildings. Since the beginning of 2014, when applying for a mortgage, maternity capital can be used not only to partially repay the loan, but also to pay the down payment.

A mortgage is issued for the purchase of an apartment or house in the primary, secondary housing market, for the purchase or construction of a summer house or garage. The loan has a maturity of thirty years, and the down payment is 20%. Young families can count on a minimum contribution of 10%. The purchase of real estate built with the participation of bank funds is also allowed with a down payment of 10% of the cost.

Borrowers must be between 21 and 75 years of age at the end of the contract, but the repayment period is either of working or retirement age. If a loan is issued without providing documents confirming income and employment, then the maximum age of the borrower is limited to 65 years.

The total length of service must be at least 1 year, and the period of work in the last place - from 6 months. The Bank allows the involvement of three co-borrowers, whose income is taken into account when calculating the maximum loan.

When buying real estate built with the participation of bank funds, there is a discount of 0.5% per annum. For participants of the salary project, preferential terms of crediting are also provided.

Mortgage programs of Sberbank

"Acquisition of finished housing". It is allowed to purchase an apartment, room, residential building or other premises in the secondary market. The interest rate depends on the term, the amount of the first installment, the category of the client, the volume of insurance and is 12% -15% per annum.

Mortgage can be issued on two documents, subject to the first installment of at least 40% of the value of the property. The interest rate in this case is 12% -14.75% per annum.

"Acquisition of housing under construction." The loan is provided for the purchase of an apartment in the primary market. The interest rate is 12.5% -16% per annum. When applying for a loan under two documents, the rate increases to 13% -16.25% per annum.

"Construction of a residential building". The loan is issued for the construction of an individual house. Interest rate - 13% -16.5% per annum. Other conditions are standard for all mortgage programs.

"Country estate". A loan for the purchase or construction of a dacha and other consumer buildings, as well as for the completion of an existing building or for the purchase of a land plot. Interest rate - 12.5% -16% per annum.

The bank also operates the Garage program for the purchase of a parking space or a garage, Military Mortgage and Mortgage Plus Maternity Capital.

Promotion for new buildings. By applying for a loan before December 31, 2014, you can get a loan on preferential terms. To pay the first installment, you can use maternity capital and housing certificates. A loan is issued for the purchase of housing under construction or an apartment in a new building from a seller company.

The interest rate is 12.5% per annum subject to life and health insurance, 13.5% per annum without an insurance policy. The minimum down payment is 13% of the cost of housing, the loan term is up to 13 years.

Action for young families. If one of the spouses in your family has not reached the age of 35, then until December 31, 2014 you have the opportunity to receive a mortgage on special conditions. The program allows the purchase of finished housing.

The minimum down payment is 10% of the cost, and for families without children and for housing built without the participation of bank loans - from 15% of the value of the object, the loan term is up to 30 years. The interest rate is 11%-14.5% per annum, there is no surcharge for the period before mortgage registration.

Mortgage programs of other banks

VTB 24

The bank offers eight basic mortgage programs, with which you can purchase housing in the primary and secondary housing markets, as well as refinance existing loans or issue a non-purpose loan. In addition, a special program for military personnel and a loan under two documents are presented.

A loan for finished housing is issued for a period of up to 50 years with an initial payment of 10% of the cost of housing (subject to additional insurance). A down payment of at least 35% allows you to get a mortgage without proof of employment and income under the Victory over Formalities program for up to 20 years. When buying a house, the down payment must be at least 30% of its value. As a down payment, the use of a housing certificate and maternity capital is allowed.

The interest rate depends on the amount of the loan, the volume of insurance and is 12.95% -15.45% per annum, there are benefits for participants in the salary project and owners of Privilege and Prime packages.

The New Building program allows you to buy an apartment at an early stage of construction. A loan for the construction of an individual house can be obtained under the Non-Targeted Mortgage program. Under the Freedom of Choice program, a loan is issued for an apartment in a house under construction without additional approvals and accreditation of the facility. Loan term - up to 20 years, down payment - from 20%, amount - up to 2,000,000 rubles. The interest rate depends on the insurance package and is 13.85% -14.85% per annum, but at the construction stage it increases by 3.5% per annum.

Alfa Bank

The Bank provides mortgage loans for the purchase of a residential building and a finished apartment, as well as for the purchase of housing secured by real estate and a cash loan secured by real estate. There is also a program to refinance loans from other banks.

An apartment on the secondary market can be bought for up to 25 years and with a down payment of 15% of the property value. The interest rate for corporate and payroll clients is 14.5% -15.5% per annum, for other individuals - 14.8% -15.8% per annum. With partial risk insurance, rates increase by 3% per annum.

When buying a residential building with a plot, the down payment is 40% of the cost of housing. Interest rate - 14.7% -16.1% per annum, depending on the category of the borrower, region and loan term. With partial insurance of risks, the rate increases by 3% per annum.

Rosselkhozbank

The Bank provides loans for the purchase of an apartment, a residential building with a plot, participation in shared construction, as well as for the construction of a residential building, the purchase of a land plot, and the completion of a residential facility. There are special conditions for young families and owners of maternity capital.

Loan term - up to 25 years, down payment - from 15% of the property value. Compulsory property insurance. Interest rate - 14% -19.5% per annum. It is possible to obtain a mortgage under two documents.

Gazprombank

Offers a variety of programs for the purchase of housing in the primary and secondary markets. In the bank, you can get a loan for apartments, individual houses, apartments, land plots, mortgaged real estate, as well as refinance a loan from another bank or buy a garage. In addition, there is a mortgage program for the military and maternity capital is accepted.

You can buy an apartment on the primary and secondary market with a down payment of 10% of the cost, for up to 30 years. The minimum interest rate for the purchase of a finished apartment is 13% -16% per annum, for housing under construction - 13% -16.6% per annum.

When purchasing a finished house with a plot, the down payment is 30%, and the minimum rate is 14% -16.25% per annum. When buying a residential building under construction in accredited settlements, the first installment is from 20%, the minimum rate is 12.2% -13.7% per annum.

What awaits borrowers in 2015?

At the end of 2014, there is a slowdown in consumer prices and an increase in inflationary risks, which depend on the tense political situation, the devaluation of the ruble and the unpredictable dynamics of the national currency. In this regard, the key rate increased to 8%, which led to an increase in the cost of loans.

The Central Bank said that in case of further inflation growth, the key rate would have to be raised again. The rating agency "Expert RA" predicts that in 2015 interest rates will rise by an average of 1% and will remain at a level of at least 13.5% per annum. At the same time, AHML considers this forecast too optimistic and notes that if mortgage rates approach the border of 15% per annum, then borrowers will begin to refuse mortgages.

Most of the Russian population uses borrowed funds from financial institutions to complete large and small transactions. At the same time, about 34% of loans attracted by organizations, and 35% used by individuals, are issued by Sberbank of Russia. In the light of the gradual reduction of the key rate, the cost of credit products also becomes cheaper. It is expedient to estimate what the cost of borrowed funds is now established in the largest financial and credit institution.

Credit products of Sberbank of Russia and their features

Currently, the largest bank in Russia offers its customers a wide range of loan products that differ in purpose, terms and interest rates. In general, they can be combined into several large groups:

Consumer loans are provided secured, unsecured and under the guarantee of individuals. Their average cost now is 16.5-17.5%.
Car loans are issued mainly, and the rate on them depends on the type of vehicle and the solvency of the borrower.
Mortgage loans provide for the possibility of acquiring housing on them in the primary and secondary markets, investing in shared construction and individual housing construction, as well as lending to special categories of citizens - young families and military personnel. They now have an average cost of 13-14%.
Education loans provided under special conditions at a rate of 7% (due to state subsidies for the program);
Borrowed funds allocated for refinancing loans received from other financial and credit institutions. They are transferred to the use of customers at a rate of 14.25-15%.

Additionally, Sberbank issues non-purpose loans secured by real estate, as well as small loans for farming. In addition, the financial and credit institution offers its customers a plastic credit card of a universal or partner type.

The cost of loans in Sberbank today

The largest financial institution in Russia reacts very flexibly to changes in the key rate, in connection with this, since the beginning of the summer of 2015, the management of Sberbank has publicly announced its intention to gradually reduce the interest on basic loan products by 1-6%.

Against the background of this statement, a review of the cost of loans has begun, including:

the consumer loan rate in the presence of a guarantee is 16.5%;
the price of loans for consumer needs without collateral - 17.5%;
percentage of loans allocated for external refinancing - 17.5%;
the cost of borrowed funds allocated for farming is 24%.

At the same time, the management of Sberbank of the Russian Federation notes that the cost of borrowed funds in each individual case is set individually, exactly like the loan period. The factors determining such a decision are the reliability and solvency of the borrower.

Thus, a loan for consumer needs with a guarantee can be issued at a rate of 16.5-21.5%, and without collateral - 17.5-22.5%. As a result, the more evidence of its ability to repay the loan on time, the borrower provides, the more likely it is that he will receive borrowed funds on very favorable terms.

As for mortgages, since July all programs have fallen in price by 1%. In addition, the offer “Mortgage with state support” was launched, within which it is possible to attract a housing loan at only 11.9%.

The rate cut affected mainly loan offers in rubles. At the same time, in just two months, this decision contributed to an increase in the number of loan applications from potential customers by 20%. It is expected that as inflation slows down in Russia, Sberbank will continue to reduce the cost of its loan products.

Despite the decline in the level of Russians' confidence in the banking system, Sberbank managed not only to maintain its leadership in terms of the volume of deposits attracted from individuals, but also to increase its deposit portfolio. This is explained not only by its reliability, developed branch network, but also by a wide range of deposits.

As of February 1, 2015, Sberbank's portfolio of individual deposits exceeded 8.4 trillion rubles against 7.5 trillion rubles a year earlier. That is, even in the very difficult conditions of the last year, when the population massively took their money from banks, Sberbank managed to increase its deposit portfolio. And this despite the fact that the state bank has a conservative policy regarding rates: in many private banks, the return on deposits will be much higher. However, the reliability of the bank, the presence of offices even in remote locations, as well as a large selection of offers for a wide variety of clients make Sberbank deposits so attractive.

Table 1. "Deposits of individuals in Sberbank in 2015"

Contribution	Max. bid	Min. sum	Min. term
"Save"	10,3% 5,00% 4,90%	1000 rubles 100 dollars 100 euro
"Save Online"	11,25% 5,25% 5,15%	1000 rubles 100 dollars 100 euro
"Replenish"	10,05% 4,95% 4,85%	1000 rubles 100 dollars 100 euro
"Replenish Online@yn"	11,00% 5,20% 5,10%	1000 rubles 100 dollars 100 euro
"Control"	9,80% 4,90% 4,80%	30 000 rubles 1000 dollars 1000 euros
"Manage Online"	10,70% 5,15% 5,05%	30 000 rubles 1000 dollars 1000 euros
"Savings account"	2,30% 0,40% 0,40%	Not limited	Indefinitely
"Pension-plus"
"International"	4,50% 2,65% 2,65%	£10,000 CHF 10,000 1,000,000 Japanese yen
"Gift a life"		10 000 rubles
"Savings Certificate"		10 000 rubles
"Multicurrency"	7,65% 3,90% 3,70%	5 rubles 5 dollars 5 euro

Data as of March 2015

Maximum yield on the "Save" deposit.

Rates - up to 10.30% per annum in rubles, 5.00% per annum in dollars and 4.90% in euros.
The minimum deposit amount is 1000 rubles / 100 dollars / 100 ero.
The term is from 1 month to 3 years.
capitalization is possible. However, replenishment of the deposit and partial withdrawal of funds from it is not provided.
Early withdrawal of funds - on preferential terms.
If the funds have been deposited for more than 6 months, interest is paid based on 2/3 of the interest rate; less than 6 months - 0.01% per annum.
In case of early termination of the deposit, interest is recalculated without taking into account the monthly capitalization of interest.
Auto-prolongation of the deposit is possible.
The “Save Online@yn” deposit can be opened remotely, through the Internet bank.
Rates on it will be higher - up to 11.25% per annum in rubles, 5.25% per annum in dollars and 5.15% in euros.

Savings deposit "Top up".

It provides for the possibility of replenishment, that is, the investor can regularly save funds, thereby increasing the final income.

Rates on it are up to 10.05% per annum in rubles, 4.95% per annum in dollars and 4.85% in euros.
The minimum deposit amount is 1000 rubles / 100 dollars / 100 euros.
The term is from 3 months to 3 years.
Interest is paid monthly, to a bank card account.
capitalization is possible.
Partial withdrawal is not provided.
Early withdrawal of funds - on preferential terms. If the funds have been deposited for more than 6 months, interest is paid based on 2/3 of the interest rate; less than 6 months - 0.1% per annum.
The "Replenish Online@yn" deposit is opened through the Internet bank and implies higher rates - up to 11.00% per annum in rubles, 5.2% per annum in dollars and 5.1% in euros.

Maximum freedom with the Manage investment.

It is possible to replenish the deposit, as well as withdraw part of the funds.

Rates on it are up to 9.8% per annum in rubles, 4.9% per annum in dollars and 4.8% in euros.
The minimum deposit amount is 30,000 rubles / 1,000 dollars / 1,000 euros.
The maximum amount of the deposit is equal to the initial deposit, increased by 10 times; if the deposit amount exceeds the maximum amount, then the difference between the actual deposit amount and the maximum interest is charged at the rate of 1/2 of the deposit rate effective on the date of excess.
The term is from 3 months to 3 years.
Interest payment - monthly, to a bank card account.
Capitalization - at the choice of the client.
When placing funds over 100 thousand rubles. (or the equivalent in US dollars and euros) and with a shelf life of at least 1 year, a bank card Sberbank - Maestro, Sberbank - Visa Electron is issued. Early withdrawal of funds - on preferential terms.
Rates on the "Manage Online @ yn" deposit - which can be opened through the Internet bank - up to 10.70% per annum in rubles, 5.15% per annum in dollars and 5.05% euros.

Access to deposited funds without restrictions on the "Savings Account".

The depositor can replenish and withdraw funds from the account at any time, in any volume. There are no requirements for the minimum amount, terms of placement of funds.

Rates - up to 2.30% per annum in rubles, 0.40% per annum in dollars, 0.40% in euros. Rates depend on the amount placed and increase when the next threshold is reached. Interest is accrued monthly: on the minimum balance kept on the account during the month - at the interest rate that was determined based on its amount; for the difference between the minimum and actual balance - at an interest rate of 0.01% per annum.
Early termination determines the minimum balance kept in the account during the month in which the account is closed. An interest rate of 0.01% per annum is charged on the difference between the minimum and actual balance.

High yield "Savings certificate".

Placing funds on it from 10,000 rubles for a period of 91 days, you get a yield of 13.25% per annum in rubles, which is significantly higher than deposit rates. But the high yield also has a downside: the funds on the deposits are insured, but the funds on the certificate are not. That is, if the license is revoked from the bank, they will not be returned to you. Although it should be recognized that in the case of Sberbank, this scenario is unlikely. Payment of interest on the certificate is made at the end of the term. Early termination - at the demand rate. Replenishment and partial withdrawal are not provided, because this is not a contribution in the literal sense of the word, but a security.

Additional income for retirement with the "Pension Plus" deposit.

It is designed specifically for pensioners who want to receive interest from the placement of temporarily free funds. It is opened to Sberbank clients who receive pensions from the Pension Fund of the Russian Federation, ministries and departments that provide pensions, and from non-state pension funds.

The minimum deposit amount is from 1 ruble, the term is 3 years, the rate is 3.55% per annum (including interest capitalization, without - 3.5% per annum).
The deposit is replenishable, with the possibility of partial withdrawal of funds (up to the level of the minimum amount of the minimum balance).
Interest payment - quarterly, with capitalization of interest.
In case of early termination of the deposit, interest is recalculated without taking into account capitalization of interest.

Additional income from exchange rate differences with the "Multicurrency" deposit.

The deposit is opened simultaneously in three currencies. It is possible to convert funds from one type of currency to another without loss of accrued income.

The minimum amount for placement in national currency (from 5 rubles), in foreign currency - in dollars (from 5 dollars) or euros (from 5 euros).
Rates - up to 7.65% per annum in rubles, 3.90% per annum in dollars and 3.70% in euros.
The term is 1 year.
Interest payment - quarterly, to a bank card account.
Capitalization of interest is possible.
Partial withdrawals are not allowed.
Replenishment is possible, the minimum amount is 1,000 rubles, 100 dollars / euro; when replenishing the deposit by bank transfer, the amount of the additional contribution is not limited.
Early withdrawal of funds - on preferential terms, 2/3 of the rate after 6 months of deposit storage.

Deposit in exotic currencies - "International".

It, like a multi-currency deposit, allows you to receive, in addition to the main income on the deposit, additional income from changes in the exchange rate. It can be opened in pounds sterling (rate - 4.5% per annum), Swiss francs (rate - up to 2.65% per annum), Japanese yen (2.65% per annum).

The minimum deposit amount is 10,000 pounds sterling, 10,000 Swiss francs or 1,000,000 Japanese yen.
The term is from 3 months to 3 years.
Interest payment - at the end of the term of the deposit.
Partial withdrawal and replenishment of the deposit are not provided.
Early withdrawal of funds - on preferential terms. If the funds have been deposited for more than 6 months, interest is paid based on 2/3 of the interest rate; less than 6 months - at the demand rate, 0.01% per annum.

Charitable contribution "Give life".

It was created to help children with oncological, hematological and other serious diseases. Every 3 months, Sberbank transfers an amount of 0.3% per annum of the deposit amount to the Podari Zhizn charitable foundation.

Interest rate - 8.65% in rubles (with interest capitalization - 8.93%).
The term of the deposit is 1 year.
The minimum deposit amount is 10,000 rubles.
Debit transactions - partial withdrawal and replenishment - are not provided for the deposit.
Early termination of the deposit agreement - on preferential terms. If funds are withdrawn before 6 months - at a rate of 0.01% per annum, after 6 months - 2/3 of the established interest rate.

Interest rates on loans in 2015 vary in the average range from 15 to 24%. More attractive conditions are provided to pensioners and payroll clients.

The maximum loan amount depends on the possibility of providing collateral and surety. A confirmed loan always has a better interest rate.

Conditions for lowering interest rates

Without collateral, a loan is issued for consumer needs up to 1.5,000,000 rubles. at 17.5% per annum for up to 5 years.
A loan secured by a guarantee at 16.5% with an amount of up to 3,000,000 rubles.
A loan secured by collateral is issued at 15.5% per year. The consumer's chances of getting up to 10,000,000 rubles are growing. Return processing - up to 20 liters.
A separate category of citizens has the right to take advantage of special conditions for obtaining a loan: the military, who are members of the NIS, is issued a consumer loan at 18.5% per year. The body of the loan - from 500,000 rubles. up to 1,000,000 rubles with a guarantee. Owners of private household plots have the right to apply for a loan amount to a bank in the amount of up to 700,000 rubles. at 24.5% per annum.
Mortgage registration is carried out at 11.4% per year under the state support program.

Credit for pensioners

Retirees are offered low rates similar to payroll clients. The priority requirement of the program is the need to pay a loan up to 75 liters.

Types of lending

Unsecured form of loan - issued in the amount of up to 1,000,000 rubles. repayable in 5 years. Interest - from 17.5% per year.
Under the guarantee is issued Loan body 3,000,000 rubles. The minimum percentage Interest accruals reaches up to 16.5% per annum.
Under collateral real estate is issued Body loan up to 60% of the cost of housing. The minimum interest on payments is 15.5% per year.

consumer credit

Without collateral

The maximum loan amount is 1,500,000 rubles.
Loan repayment - up to 5 liters.
Interest charges - from 15.5%
Loan body up to 1.5,000,000 rubles.

With a guarantor

Loan repayment - up to 5 liters.
Interest charges - from 14.5%
Loan body - up to 3,000,000 rubles.

Lending to military personnel - participants of the NIS

Loan repayment - up to 5 liters.
Interest charges - from 18.5%
No commission charges.

Non-target loan amount secured by a real estate object

Loan repayment up to 20 years.
Interest charges from 15.5%
Commission accruals - none

Educational loan with state support

Funding for secondary and higher prof. education. The term for issuing funds has been increased by 10 years.

Interest charges - 7.06%
Loan body from 45 thousand rubles.

Mortgage agreement

Applying for a mortgage loan with state support

Cash is issued for the purchase of an object under construction or the purchase of a finished apartment in new buildings.

Loan repayment up to 30 years.
Interest charges from 11.4%
Loan body from 300 thousand rubles.

Purchase of a finished housing facility

The loan amount is issued for the purchase of an apartment, private house or other object in the secondary real estate market.

Loan repayment up to 30 years.
Loan body from 300 thousand rubles.

Purchase of an object under construction

The use of borrowed funds for an apartment or other residential premises in the primary real estate market.

Loan repayment up to 30 years.
Interest charges from 13%
Loan body from 300 thousand rubles.

Mortgage + maternity capital

When buying a finished or erected housing in installments with the help of the Security Council, you can use a certificate for the issuance of maternity funds for the first installment or part of it.

Loan repayment up to 30 years.
Interest charges from 12.50%
Loan body from 300 thousand rubles.

Construction of a private house

Loan repayment up to 30 years.
Interest charges from 13.50%
Loan body from 300 thousand rubles.

Country objects

Funds are provided for the purchase or construction of cottages and other buildings.

Loan repayment up to 30 years.
Interest charges from 13%
Loan body from 300 thousand rubles.

military mortgage

You can count on obtaining a loan when buying an apartment, a private house or other housing in the secondary and primary market.

Loan repayment up to 15 years.
Interest charges 12.5%

Credit cards

Visa® and MasterCard® Gold

Premium banking plastics with a wide range of special offers and attractive service conditions.

"Give life" Visa Gold

Credit cards Visa Classic/MasterCard Standard

A credit card with an optimal set of banking services and a low cost of service

Aeroflot Visa Gold

Instant cards Visa Classic/MasterCard Standard "Momentum"

Universal credit plastic with free service.

Credit cards "Give life" Visa Classic

When making payments using Podari Zhizn plastic, consumers help children fight serious illnesses.

Credit cards "Aeroflot" Visa Classic

A credit card used to earn Aeroflot Bonus miles and exchange them for premium tickets from Aeroflot or SkyTeam members.

Credit cards for youth Visa Classic/MasterCard Standard

For young consumers, SB offers credit cards for withdrawals just in case

Loan refinancing

Sberbank offers to use a convenient tool for calculating mortgages received from another financial institution.

Loan repayment - up to 30 liters.
Interest charges - from 13.75%

More accurate calculations of credit conditions can be made using the calculator on the Sberbank website.

To apply for a loan in the Security Council, you must prepare a list of documents. In the list of loan products, you can choose the appropriate option without guarantors and proof of income and larger loans.

There are a number of ways to repay a loan in the Security Council, the most convenient is the payment of bank plastic. Operations can be carried out from electronic services, terminals and offline calls to the office of Sberbank.

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* Attention! An informational article may contain outdated and incomplete information. Up-to-date information can be posted on the official website of PJSC Sberbank sberbank.ru