Deposits of Sberbank of Russia. Sberbank deposits Securities portfolio

The devaluation of the ruble and high inflation stimulate Russians to look for reliable ways to preserve capital. Despite the fact that during the crisis, bank deposits do not enjoy the trust of clients, the authority of Sberbank allows it to feel confident in the country's deposit market. In this article we will look at the conditions for placing deposits in the most stable bank and compare them with the offers of competitors.

Interest rates at the beginning of 2015

From December 24, 2014, Sberbank increased deposit rates for individuals and savings certificates at 3.5% per annum. For deposits in rubles, the increase was 3.25% per annum, while the maximum rate of 11.25% per annum applies to the “Save Online” deposit.

The rate on deposits in foreign currency also increased. For basic programs, the increase reached 1.6% per annum, and for premium products – 1.7% per annum. As part of the Sberbank First service package, the interest rate increased to 7.5% per annum, and among the basic programs, the maximum income can be obtained from the “Save Online” deposit with an interest rate of 5.25% per annum.

Conditions for placing funds

The deposit can be made at a bank branch, as well as at an ATM or on the website of a credit institution. Maximum rates apply to products that are opened online. For pensioners, it is possible to register a deposit at the maximum rate, regardless of the amount and period of placement of funds.

For all deposit programs, interest is calculated monthly and added to the principal amount of the deposit or paid to the client. The size of the bet depends on the term and amount of funds placed.

Overview of offers

"Replenish"

Interest rates will most likely rise further at the beginning of 2015. For participants on the sanctions list, access to the international capital market is closed, so they have to look for ways to raise capital in Russia.

Interest rates on loans in 2015 vary in the average range from 15 to 24%. Pensioners and salary clients more attractive conditions are provided.

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

Conditions for reducing interest rates

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

Loan for pensioners

Pensioners are offered low rates similar to salary clients. The priority requirement of the program is the need to repay a loan of up to 75 l.

Types of lending

Unsecured form of loan - issued for an amount up to RUB 1,000,000. with the possibility of repayment in 5 l. Interest - from 17.5% per year.
The loan body is issued under guarantee: RUB 3,000,000. Minimum interest Interest charges reach up to 16.5% per annum.
A loan of up to 60% of the cost of housing is issued against real estate as collateral. The minimum interest on payments is 15.5% per year.

Consumer loan

Without collateral

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

With a guarantor

Loan repayment - up to 5 l.
Interest charges - from 14.5%
Loan amount - up to RUB 3,000,000.

Lending to military personnel - NIS participants

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

Non-target loan amount secured by real estate

Loan repayment up to 20 l.
Interest charges from 15.5%
Commission charges - no

Educational loan with state support

Financing of secondary and higher professional education. The period for issuing funds has been increased by 10 l.

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

Mortgage agreement

Applying for a mortgage loan with government 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 l.
Interest charges from 11.4%
Loan amount from 300 thousand rubles.

Purchase of a finished housing property

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

Loan repayment up to 30 l.
Loan amount from 300 thousand rubles.

Purchase of a facility under construction

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

Loan repayment up to 30 l.
Interest charges from 13%
Loan amount from 300 thousand rubles.

Mortgage + maternity capital

When purchasing finished or under construction housing in installments using SB, you can use a certificate for the issuance of maternity funds for the down payment or part thereof.

Loan repayment up to 30 l.
Interest charges from 12.50%
Loan amount from 300 thousand rubles.

Construction of a private house

Loan repayment up to 30 l.
Interest charges from 13.50%
Loan amount from 300 thousand rubles.

Suburban objects

Funds are provided for the purchase or construction of a summer house and other buildings.

Loan repayment up to 30 l.
Interest charges from 13%
Loan amount from 300 thousand rubles.

Military mortgage

You can count on receiving a loan when purchasing an apartment, private house or other home on the secondary and primary markets.

Loan repayment up to 15 l.
Interest charges 12.5%

Credit cards

Visa® and MasterCard® Gold

Premium bank cards with a wide range of special offers and attractive terms of service.

"Give Life" Visa Gold

Credit cards Visa Classic/MasterCard Standard

Credit card with the optimal set banking services and low maintenance costs

Aeroflot Visa Gold

Instant cards Visa Classic/MasterCard Standard “Momentum”

Universal credit card with free service.

Credit cards “Give Life” Visa Classic

When making payments using “Give Life” plastic, consumers help children fight serious illnesses.

Aeroflot Visa Classic credit cards

A credit card used to accumulate Aeroflot Bonus miles and exchange them for award tickets from Aeroflot or members of the SkyTeam alliance.

Credit cards for youth Visa Classic/MasterCard Standard

For young consumers, SB offers credit cards for withdrawal of funds just in case

Loan refinancing

Sberbank offers to use a convenient tool for making payments on a mortgage obtained from another financial institution.

Loan repayment - up to 30 l.
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 need to prepare a list of documents. In the list of loan products, you can choose a suitable option without guarantors and proof of income and larger loans.

To repay a loan, the SB provides a number of methods, the most convenient is payment of bank plastic. Operations can be carried out from electronic services, terminals and offline contacts at the Sberbank office.

Video

* Attention! The information article may have outdated or incomplete information. Current information can be posted on the official website of Sberbank PJSC sberbank.ru

For more than 20 years, thanks to government support and various programs for purchasing housing, a huge number of Russians have preferred to buy real estate on credit. Among credit institutions Sberbank of Russia takes a leading position in providing loans for apartments, cottages, and housing under construction. Every year, Sberbank develops new residential mortgage programs and works to improve conditions and reduce interest rates on existing loans.

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Conditions for issuing mortgage loans at Sberbank 2015

Clients who do not have an official income or employment can also receive a loan.

In addition, those who follow Sberbank news know that you can get a mortgage by taking advantage of benefits during various promotions.

Basic conditions of issue mortgage loans:

The borrower's age is from 21 to 75 years at the time of termination of the agreement;
Work experience – at least 1 year;
Work experience at last place of work – at least 6 months;
Possibility of attracting 3 co-borrowers;
Loan repayment period – up to 30 years;
Possibility of using maternity capital for a down payment;
Down payment 10% (under the “Young Family” program).

Loan terms may vary depending on the specific type of housing purchased. So, for example, if a bank participates in shared construction of a house in which an apartment is purchased with a mortgage, then the client is provided discount 0.5% per annum. Also, discounts and benefits are provided for those who take part in Sberbank salary programs.

Sberbank mortgage programs

There are several mortgage lending programs at Sberbank. In 2015, loans for “secondary” housing and new buildings, mortgages for young families and military personnel remain relevant. Since the beginning of 2015, the volume of lending under social programs has especially increased.

Mortgage for young families

A “young” family is considered to be a family in which at least one member is under 35 years of age at the time of receiving the loan. If this condition is met, then Sberbank is ready to consider an application for a certain subsidy. A young family can spend the amount received to purchase their own home or contribute it as a down payment when purchasing a home on credit.

In 2015, the bank provides a loan to families, which is 35% for those who do not yet have children, and 40% for families with children. The loan is issued for a period up to 30 years at 11% -14.5% per annum.

Peculiarities:

Participation of 6 co-borrowers is possible;
It is possible to contribute maternity capital in the form of a down payment;
Suspension of payment of the main part of the loan at the birth of a child and until he reaches 3 years of age.

According to the “young family” program Sberbank takes upon itself the calculation of the area of housing that a married couple can purchase. If the Apartment you are going to purchase with a mortgage is larger than the bank calculated, then you will not be able to get a loan.

Mortgage in the “primary” market

This program allows you to purchase housing on credit in a house under construction. This type of lending is especially popular in large cities, where entire neighborhoods are being built. Under the terms of the program, the borrower must deposit at least 20% of the cost of housing to the bank. The loan is issued for a period of up to 30 years. Until the completion of construction and registration of housing ownership, the bank rate will be 17%.

Peculiarities:

Reduced bank rate by 1% upon receipt of a certificate of ownership;
The financial attractiveness of the program in comparison with other banks, whose interest rates for purchasing housing in new buildings are at least 18-20%;
If Sberbank of Russia takes part in the construction of a house, the rate may be reduced by 0.5%.

Mortgage for military personnel

A specially developed program for military personnel - participants in the savings and mortgage system of Sberbank. According to it, you can purchase housing, both on the “primary” and “secondary” markets, for a period of up to 20 years.

The conditions of this program are especially attractive because military personnel do not need to confirm their income and draw up an agreement life insurance, as is required of other categories of citizens.

Peculiarities:

The loan must be repaid before the borrower reaches 45 years of age;
Low loan rate – 9.5% (first 4 years), then – 10.9%.

The only “disadvantage” of this program is the fixed maximum loan amount. In 2015, it cannot be more than 1.9 million rubles.

Sberbank mortgage for public sector employees

The program is intended for young teachers and is supported by the state. Until now, teachers and doctors are considered a socially unprotected category of people who are unable to independently purchase an apartment or house.
Sberbank provides people who receive wages from budget funds mortgage loan with an interest rate of 9.5%.
At the same time, for public sector employees, a subsidy of no more than 20% of the cost of the loan is provided, which the borrower will have to pay to the bank in the form of interest repayment.

Peculiarities:

Loan term from 20 to 30 years;
At the time of repayment, the borrower must not be more than 45 years old;
The housing area for each seven member should be no more than 18 m2;
Proof of income and insurance will reduce your annual rate.

Under this program, you can buy housing, both in a new building and on the secondary market. Those who already own a home will not be able to get a loan. An exception is made for public sector employees who live in the same area as a sick person whose illness can be life-threatening to others.

Mortgage refinancing program

Sberbank makes it possible to repay a loan taken for the purchase of housing from another bank with your own loan. The main condition of such a loan is mandatory availability of a certificate of ownership of the apartment. The loan term should not exceed 30 years, and the borrower's down payment should be 20%.

Peculiarities:

Interest rate from 15.25%;
Up to 3 co-borrowers can be involved;
The bank will require a re-appraisal of the home, as well as insurance;
The purchased property acts as collateral for obtaining a loan.

The amount issued by the bank depends on the cost of housing; the loan can be up to 80% of this amount.

Mortgage loan based on two documents

This banking program has only been running for a year, but has already gained popularity. It is designed for those who have neither the time nor the desire to tinker with numerous documents and certificates, and also cannot document their solvency.

To apply, all you need to do is present Russian passport and any other document (SNILS, TIN, driver’s license).

Peculiarities:

The down payment on the loan must be at least 40% of the total amount;
The rate will automatically increase by 0.5%;
Co-borrowers may be needed.

What documents are required to obtain a mortgage?

When applying for a loan, as a rule, Sberbank considers a standard package, but if you choose special program lending, additional documents may be required. To present you will need:

Application (on Sberbank letterhead);
Russian passports of the borrower, co-borrowers, guarantors, pledgors;
2NDFL certificate confirming the borrower’s income with the signature of the chief accountant of the enterprise. If it is not possible to obtain it, you can fill out information about solvency on a special bank form, however, such “opacity” may negatively affect the final result;
Work book and employment contract. Documents must be legally drawn up, certified by the head of the HR department and a blue official seal.

If the bank approves your application for a mortgage loan, you will also need documents for the apartment or house you are purchasing. You need to provide them to the bank no later than 120 days from the date of signing the contract.

Applying for a mortgage at Sberbank in 2015

At a bank branch, fill out a loan application form. Answer all questions truthfully and as completely as possible;
If the bank has notified you that your application has been approved, select housing project, in accordance with the requirements of the bank - an apartment or house must have communications in its ownership, and not be a cultural or historical heritage, technical wear and tear no more than 50%, etc.;
Attach the cost assessment report, data from the Unified State Register, BTI and house register;
Receive and sign the loan agreement;
Accept the Certificate of Title Registration.

If all points are met, the bank will issue a loan. If registration of property rights occurs before receipt Money, percentage The loan rate will increase by 1%.

With all seriousness and responsibility, assess all possible risks associated with the situation in the country, the stability of your enterprise, your state of health, and others. Try to calculate your income growth for at least half of the term mortgage repayments.

If among the bank’s partners there are other financial institutions, real estate or construction companies, you can save on the cost of the loan. Usually.

Sberbank reduces the rate if it participates in shared construction of a residential property, in which you are going to buy an apartment.

If you have been using a Sberbank plastic salary card for a long time, the processing time for your application may be accelerated. In addition, since 2015, Sberbank has been reducing the rate on loans for salary card holders.

Monitor financial forecasts for the provision of bank products. Perhaps in the future the bank plans to increase rates and you will have to hurry up to get a mortgage loan.

Most of the Russian population uses borrowed funds from financial institutions to carry out 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 light of the gradual reduction of the key rate, the cost of credit products is also becoming cheaper. It is advisable to estimate what the cost of borrowed funds is now in the largest financial and credit institution.

Credit products of Sberbank of Russia and their features

Currently, the largest bank in Russia offers its clients 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 on collateral, without collateral and on the guarantee of individuals. Their average cost is now 16.5-17.5%.
Car loans are issued primarily, and the rate depends on the type of vehicle and the wealth of the borrower.
Mortgage loans provide for the possibility of purchasing housing on the primary and secondary markets, investing in share building and individual housing construction, as well as lending special categories citizens - young families and military personnel. They now have an average cost of 13-14%.
Education loans provided subject to special conditions at a rate of 7% (due to government subsidization of the program);
Borrowed funds allocated to refinance loans received from other financial institutions. They are transferred for the use of clients at a rate of 14.25-15%.

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

Cost of loans at Sberbank today

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

Against the backdrop of this statement, a review of the cost of loans began, including:

the rate on a consumer loan with 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 special case is set individually, just like the loan term. The factors determining this 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 the borrower provides of his ability to repay the loan on time, the greater the likelihood 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 “Mortgage with State Support” offer was launched, within which you can attract a housing loan at only 11.9%.

The reduction in rates 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 clients by 20%. It is expected that as inflation slows in Russia, Sberbank will continue its policy of reducing the cost of its loan products.

This page of the Banki.ru portal provides the most current information on deposits for individuals currently operating in Sberbank of Russia. Here you will find detailed information about the conditions and interest rates on deposits of the largest Russian bank.

The line of Sberbank deposits is quite diverse and includes time deposits for various categories of citizens. Sberbank offers profitable deposits with interest capitalization, the ability to replenish and make debit transactions, multi-currency, as well as deposits for pensioners on more attractive terms. Most deposits provide for the possibility of early termination on preferential terms. Deposits opened through the Sberbank Online system also have higher interest rates.

How to choose a profitable deposit in Sberbank?

Compare offers in various sources- Banki.ru concludes an agreement on special, more favorable conditions for its visitors.
Study the main types of deposits and choose which program is more convenient for you:

With interest capitalization, it provides additional income, but sometimes it is more profitable to receive interest monthly.
With replenishment - this increase in the body of the deposit now in various products may have a limitation on the possible date of the last one before the end of the replenishment agreement, and the rate here may be lower.
The amount is no more than 1.4 million rubles - do not exceed the amount eligible for the insurance program for banking products.