Consumer loan with low interest rate. Consumer loans of Sberbank with a low interest rate

For many of us, consumer credit is a real chance to quickly solve your problems or make your life more comfortable and well-organized. But the lack of the right amount - this is not a reason to take money under high, and sometimes very heavy interest. Despite the variety of offers from various banks, one can not find quickly where consumer loans with low interest rates can be borrowed. There is an exit! More precisely, there are some secrets, how to choose the right bank and which one is the most reasonable to address.

What is the interest rate composed of

When a client turns to a bank for a specific purpose - to get a consumer loan in cash with a low interest rate, he compares his material possibilities and considers offers. To some extent, the client, his reputation and many other things can affect the size of interest, but mostly it consists of many other factors:

• Rising inflation;
• Costs of servicing deposits from the public;
• Economic situation in the country;
• Costs for the maintenance of the office of the bank and its employees.

All of the above factors are not connected in any way with the borrower, accordingly, the client will not be able to influence them in any way. But there are a number of circumstances that will make it possible to obtain a consumer loan on more favorable terms.

How to reduce the interest rate on a loan

To obtain consumer loans with a low interest rate in a bank can a client with an ideal credit history. That is, at the time of issuing a cash loan, the client must have closed loans without delay. The absence of a credit history can not affect the rate reduction.

One of the effective ways to reduce the loan rate is to participate in a salary project. There is no need for income statements and guarantors. That is, consumer loans of Sberbank with a low interest rate are available to customers who receive their earnings on the plastic card of this organization and may not submit additional documents when drawing up a loan.

The last option is to issue a loan with security, that is, to leave a pledge or to attract a guarantor. In this case, the bank reduces the risk of non-return of money to a minimum and reduces the loan rate. In the event of insolvency of the client, he collects the debt from the guarantor or sells the property left as collateral.

What to look for

It is quite natural that today the client is looking for the lowest interest rates on consumer loans in various banks through the Internet and compares offers. But, as a rule, banks advertisements only attract the attention of a potential client, promising big money "almost for nothing".

Under each announcement in small print it is described, under what conditions and which group of persons can receive a soft loan. This suggests that not every client can get a low interest on the loan, however he can apply and can be approved, but the amount of remuneration will be significantly different from that stated in the advertisement.

And the last trick of banks is an online application without a visit to the office. That is, the client fills out a questionnaire on the organization's website, and he is pre-approved of it. But after that, he definitely needs to come up with documents to the office, where the credit conditions can be somewhat different.

How to choose a bank

So, now you need to determine how to choose a consumer loan with a low interest rate. In each city there are many branches of various banks, and on each of them there is a bright and attractive advertisement. But you do not need to take a passport and run to the first department that comes across. It is more reasonable to use the Internet and compare all offers online.

The search will take some time, because you will not only have to look through many offers, but also carefully read the conditions. In some banks, insurance is mandatory for the client, and this is at least one percent of the loan amount. In other banks, beneficial terms only for borrowers who have applied repeatedly.

In general, it is more expedient to deal with each bank separately, calculate your possibilities and use the loan calculator. It often happens that a loan with a higher interest rate is ultimately more profitable for the borrower.

Now it is worth considering the rating of the most popular banks and the terms of lending in them, compare the conditions and determine which of them is the most beneficial to cooperate and why.

Sberbank of Russia

Undoubtedly, today it is the leader in the Russian market, among consumers it is positioned as a reliable and honest partner for the borrower. So, what consumer loans of Sberbank with a low interest rate can be issued today?

• Loan "Without collateral": the rate starts at 17.5% per year. The maximum loan amount is 1.5 million rubles for a period of up to 5 years.
• "Credit with a guarantor" reduces the interest rate by one percent compared to the previous offer and increases the loan amount to 3 million rubles.
• A loan secured by real estate owned by the company gives the right to issue a loan in an amount not exceeding 60% of the appraised value of the object with an interest rate of 15.5% for a period of up to 20 years.
• Members of the mortgage-funded system can issue a loan of up to 500,000 rubles without guarantors at 18.5% or 19.5% per year. With the guarantor, the amount will double.

In addition, Sberbank regularly conducts shares, develops new loan products, reduces loan rates for certain groups of people. Details of all offers can be found on the bank's website.

Gazprombank

This financial institution also provides an advantageous consumer loan for individuals. The low interest rate, which banks provide far from each client, starts from 16.5% and ends at 21.79% per year. It is calculated individually, according to the requirements, surety is not a prerequisite for the borrower.

The loan amount is from 30,000 rubles. It is possible to issue 2 million rubles, but only with security, that is, with a surety. The maximum term of payment of a debt will make 5 years. The term of consideration of the application is up to 5 days.

VTB 24

This bank offers a consumer loan with a low interest rate - from 20.5 to 23.5%. The loan amount is up to 1 million rubles for a period of 5 years. The rate depends not only on the reputation of the client, but also on his desire to draw up two types of insurance. By the way, here the potential borrowers are presented with rather high requirements, and in order to get a loan, you need a certificate of wages with a high level of income.

Bank of Moscow

He offers a consumer loan with a low interest rate - from 19.9%, the maximum amount - 299 thousand rubles. But such privileged conditions are available only for salary clients, the rest is raised to 26.5% per year. To make a loan, you need a certificate of income.

Conclusion

Consumer loans with low interest rates are offered by hundreds of banks today, and all of them have definitely favorable conditions. But do not expect that financial organizations will work at a loss to themselves. We need to adequately assess the situation and, if possible, apply to those banks that have already had a successful experience of cooperation.