Get a loan from a bank. Loans for consumer needs in bps bank

Housewarming with Sberbank

questionnaire statement;
the passport;

Housing construction and renovation with subsidies

Loan for any purpose

"Time to act"

"Classical"

application in the form of a questionnaire;
military ID;

car loan

new vehicles;

Credit card

real credit card

minimum set of papers;
favorable rate.

Real credit card with grace period

Overdraft on a credit card

rational interest rates;

Refinancing loan

"Time to act"

Education loan

"Learning Together"

rate - 16.3%;

Loans for consumer needs in BPS Bank

BPS Bank is the largest bank in the Republic of Belarus. Since 2009 it has been part of joint-stock company Sberbank of Russia.

Consumer loans of BPS-Sberbank

The bank offers a choice of consumer loans (the currency is indicated in Belarusian rubles):

Classical- for any purpose, from 15.8% per annum, from 300 rubles. From one year to 5 years. The maximum amount is calculated based on the solvency of the borrower. Income certificate is not required (except for IP owners). The rate depends on the size of the loan. The period for consideration of the application is up to 10 days.

It's time to act with Sberbank- for any purpose, 300-100,000 rubles, from a year to 5 years. For loans up to 5,000 rubles, a certificate of income is not required. The term of consideration is not more than 2 days.

Learning together - a loan for tuition fees, 15.8% per annum, 300 - 50,000 rubles (the amount issued cannot exceed the amount of the tuition fee). The maximum period is no more than 11 years. You can pay for your own education, as well as the education of relatives. Suitable for basic and additional education. It is obligatory to provide documents confirming training and completion of training. The loan is issued against a guarantee (over 10,000 rubles, 2 guarantors are required). Application processing time is 2 days.

It's time to act with Sberbank - for refinancing. From 15.8%. Minimum amount 300 rubles, the maximum is calculated from the solvency of the borrower and the amount of repaid loans. Period up to 84 months. Suitable for refinancing consumer, auto, overdraft loans, but not more than 5. See also: how long does Sberbank consider loan applications.

You can also apply for credit cards:

FUN card with installments up to 1 year in partner stores, with cashback up to 1% and VISA KLASSIK to pay for goods and services
A real credit card - up to 5,000 - 10,000 rubles for a period of up to 60 months. The minimum rate is 15.8%.

Applying for a loan at BPS Bank

You can apply for a loan on the BPS website. It is necessary to choose the type and purpose of the loan, confirm the age, registration, the presence of a permanent income and the absence of delinquency on loans.

After submitting the application, you must wait for the response of the bank manager. You can apply for a loan at any branch of the bank. The processing time depends on the amount and terms of the loan. See also: customer reviews of Alfa-banks.

Requirements for the borrower:

The period of work at the current place is more than 3 months.
Age from 18 to 65 years.
Passport of a citizen of Belarus.

Easy to use for loan calculation credit calculator on the bank's website.

BPS Bank: loans for consumer needs

JSC "BPS Sberbank" acts as the largest and most widespread organization in the Republic of Belarus. Its history goes back to the distant times of the USSR. In general, it all started in 1923, when this institution acted as an industry building structure. When did the reforms take place? banking In 1987, the industrial and construction bank of the USSR was formed on its basis. In 1991, a joint-stock commercial institution of the Belarusian Industrial Construction Bank was established.

In 2009, a large strategic investor was attracted to the company. Since then, the leadership of the Savings Bank of Russia, together with the Belarusian government, decided on an agreement related to the purchase of shares by Sberbank in the amount of 93.27%. An investment agreement was also signed on the long-term development of this organization in Belarus. In 2011, it was renamed to its current name.

Today, the organization boasts an extensive branch network. Besides central office, it includes as many as 6 directorates regional level, as well as 59 additional offices. The bank has its own representative office in Warsaw. Historically, such a picture has developed that state institutions, as well as firms operating in basic economic sectors, act as clients of the organization. The bank is universal and actively develops retail services and business programs.

In this article, we are interested in loans from BPS Bank for consumer needs.

Lending to the population in order to purchase housing is one of the most common programs of this organization. There are several directions, each of which includes special conditions.

This loan is issued for the purchase of finished housing or for construction from scratch. In order to count on borrowed funds, the borrower must be in the age range of 18-75 years. From the documents you will need to provide:

questionnaire statement;
the passport;
documents confirming the receipt of income;
securities related to securing credit obligations.

Loan rates from 16.3 to 16.8%, depending on the conditions that can be found on the site.

This program allows you to build a dwelling (single-family individual house or apartment) or improve its appearance. The minimum amount is 5,000 Belarusian rubles, and the maximum value should not exceed the maximum price of a residential building, which is determined on the basis of a decision of the executive committee. The loan term is 20 years, and the borrower will need a guarantee in the form of collateral and surety.

Financing real estate Novoselye with Sberbank and SKIF

Persons aged 18-75 can count on receiving a loan. If we are talking about the working-age part of the population, it is important that the borrower worked in the last place for 6 months and had a stable income. A set of documents is determined individually for each borrower, although in general it is considered universal.

Loans of "BPS" bank individuals for buying a home are varied.

Within the framework of this program, the consumer can count on receiving loan funds in the amount of up to 100,000 Belarusian rubles. Since the program assumes any goals, the borrower is not required to report to the bank on the directions of expenses. In addition, if the borrower does not want to bring a certificate of income or cannot do this, he can expect to receive an amount of up to 3,000 rubles. The rate is from 16.3%, and the term is up to 5 years.

A potential client of the bank can submit an online application for consumer credit called "Classic". The rate is from 16.3%, and the term is 1-5 years. From the documents you will have to bring the following set to the bank:

application in the form of a questionnaire;
a document proving your identity;
military ID;
reference materials from the place of work about a stable income and length of service.

The age of the borrower must be in the range of 18-65 years. At the last place of work you need to work from 6 months.

Auto loan programs at this financial institution are especially popular. The financial institution operates the "Main Road" program, under which a loan is provided for the purchase of:

new vehicles;
used cars (the key requirement is that the age must be no more than 10 years by the time the agreement is signed).

A loan application at the bank can be considered even if the client does not bring the sales contract. You can take a loan from BPS Bank to buy your own car in an amount equal to 100% of the cost vehicle. The determination of the price is carried out depending on which method of fulfillment of obligations will be chosen. % rate - from 16.3, and the term - up to 7 years.

Plastic cards, to which borrowers' credit accounts are linked, have recently gained momentum in popularity, and BPS, following the example of the West, has developed unique and profitable programs.

This card can be used for anything. Want to travel or shop? Or maybe make a useful and pleasant purchase? Then this opportunity is for you! This credit card has many significant advantages:

convenient term for repayment of credit resources - 36-60 months;
the possibility of obtaining a loan up to 3000 r. without the need for references;
promptness of consideration of the application;
minimum set of papers;
favorable rate.

This time period is understood as the interval within which it is possible to use loan funds at a rate of 1%. It is 50 days. The credit card, like the previous product, has convenient repayment options, including up to 5 years. The application is processed quickly, and to receive the required amount, you will need to provide only a minimum package of documents.

Having issued an overdraft once, you will receive permanent access to financial resources. Moreover, the loyalty program offers customers a lot of opportunities:

convenient repayment period - up to 12 months;
limited scope of consideration;
providing a small package of papers;
rational interest rates;
choice of cards of any categories and payment systems.

As you can see, BPS Sberbank offers loans for consumer needs in large quantities.

If you have accumulated debts in other financial structures, you can easily pay them off using one of the refinancing programs.

When refinancing a mortgage, the bank issues a loan from 5,000 rubles, and the maximum amount depends on the creditworthiness of the applicant. But it should be no more than the balance of the principal debt. The term is up to 20 years.

If you need to combine several loans into one and make the payment schedule more rational, then this opportunity is what you need. The maximum amount is based on the creditworthiness of the applicant and includes the balance of the principal debt and an additional amount (if desired and necessary). Amount - from 300 rubles, rate - 16.3%, term - up to 7 years.

Another common type of loans offered by this organization for individuals is an education loan.

This is a consumer loan that allows you to get an interesting education, laying the foundation for the future today. The company offers the most attractive conditions for such loans:

the amount is the full cost of training;
rate - 16.3%;
term - study time + 5 years, but the total period cannot exceed 11 years.

The number of loans and programs offered by Sberbank by its client is considerable. Downloading a salary certificate for a BPS bank loan will not be difficult for you.

The emergence of a problematic financial situation is characteristic of every person without exception. In such cases, the only way out of this situation is to apply for a loan at BPS Bank, where loans for consumer needs are issued without confirmation of their intended use.

Every adult citizen of Belarus who meets certain requirements of the lender can get urgent loans.

As for the terms of lending, they are individual in relation to each client, which depends not only on the level of his material well-being, but also on the lending program.

"Classical"

Individuals will be able to receive a loan from BPS Bank under this program only if they provide collateral in the form of real estate. The guarantee of a third party or the opening of a security deposit in this financial structure can act as collateral for a loan.

annual interest rate:
- the minimum mark is 15.8%;
- the maximum mark is not indicated, it may be higher than indicated, which depends on various changes and innovations of the National Bank.
period of use of borrowed funds:
- from 12 months (1 year);
- up to 60 months (5 years).
amount of consumer credit in BPS Bank:
- 300 Belarusian rubles, at least;
- the maximum amount is not indicated, it depends on the level of solvency of the borrower and the amount of monthly income.

"It's time to act with Sberbank!"

Thanks to this tariff, both individuals and individual entrepreneurs have the opportunity to take a consumer loan.

Moreover, a considerable amount of money can be obtained without a certificate of income and guarantors, the main thing is to take the lending process responsibly:

interest rate:
- the minimum rate is 15.8% per year;
- the maximum rate is not indicated on the bank's website, but it is specified that the mark may be higher than indicated.
the period after which the loan must be repaid in full:
- 12 months, not less;
- 60 months, no more.
amount of money owed:
- from 300 Belarusian rubles;
- up to 5 thousand Belarusian rubles without providing a certificate of income;
- up to 100 thousand Belarusian rubles with the provision of income statements and other documents confirming the solvency of the borrower.

Loan processing

In order to get a loan from BPS, individuals will need to visit a branch of this financial institution and contact an employee of the department for working with individuals. During a conversation with a specialist, it will be necessary to voice the amount desired to receive, after which the client will be selected and presented with the most advantageous offer.

You can also apply for a loan online, for which it is enough to visit the official website of the bank and apply for a monetary debt.

Requirements for individuals

The lending process cannot be imagined without the borrowers providing a certain package of documents. Also, in order to receive borrowed funds, each citizen, without exception, will have to meet a small list of requirements:

client age:
- at least 18 years old at the time of registration of the debt obligation;
- no more than 65 years at the time of full repayment of the debt to BPS Bank.
citizenship - the Republic of Belarus (citizens of other countries are also issued loans, for which it is enough to have a residence permit, other conditions for issuing a loan can be found by contacting the branch of the financial institution directly);
work experience - 3 months at the last (current) place of work, at least.

Required documents

The last thing that is required from the borrower is to provide the employee of the department for working with individuals with a certain package of documents that could confirm not only the identity of the borrower, but also the level of his solvency:

Individual entrepreneurs can provide an extract on bank account or a financial report for the last year - these papers will be enough to assess the financial situation of the individual entrepreneur. For pensioners, it will be enough to request a certificate from government agency the amount of the monthly pension.

The banking organization BPS-Sberbank was established in 2009, after the acquisition by Sberbank of the main stake in BPS-Bank. Today, the institution works with legal entities and individuals, providing them with a full range of banking services. Private clients can apply for a loan from BPS Bank for the purchase of housing.

Mortgage lending from BPS-Sberbank

Citizens of the Republic of Belarus have the opportunity to use one of the credit products of the Belarusian branch of Sberbank. A banking institution provides its customers with both targeted and non-targeted loans. You can take a loan to buy a car, pay for education, cover a previous loan. Of particular interest is the mortgage from BPS-Sberbank.

In total, the bank has 6 mortgage programs. However, all of them can be divided into three types:

Standard mortgage "Housewarming with Sberbank".
Mortgage loans provided in cooperation with developers.
Mortgage using a state subsidy (in accordance with the Decree of the President of the Republic of Belarus under number 240).

Programs vary in the amount of funds provided, interest rates, and documentation requirements, so each program should be reviewed on a case-by-case basis.

"Housewarming with Sberbank"

Housewarming with Sberbank is the basic mortgage program of a financial institution. You can take a loan to purchase real estate in the primary and secondary markets. It is also possible to provide funds for the construction of a separate house. Under property in this case this refers not only to housing, but also non-residential premises (garages, outbuildings, etc.), as well as land plots. You can receive funds without providing a purchase / sale agreement.

To use the program, the borrower will have to contribute part of personal funds. The bank is ready to pay no more than 90 percent of the total cost of housing (respectively, the minimum down payment is 10 percent). The specific amount of the loan depends on the solvency of the borrower, his credit history, provision of collateral and guarantors. The main parameters of the program are as follows:

The minimum loan amount is not less than 5 thousand Belarusian rubles.
The maximum amount depends on the specific circumstances and is:
- up to 90% of the price of real estate (not more than 150 thousand dollars), if there is a guarantee of two or more citizens;
- up to 90% - with the guarantee of one citizen, if the loan amount does not exceed 10,000 rubles;
- up to 80% - if the borrower has a deposit opened in the bank (acts as collateral);
- up to 70% - if the property acquired by the client of a financial institution acts as collateral.
Funds can be issued at a time or gradually, over 6-36 months (depending on the property being acquired).
Interest rate - from 16.3% per annum.

The income of the borrower's family members may be taken into account when determining the allocated amount. An application for a loan is considered within 3 days. Repayment occurs by depositing funds every month (until the 20th). The maximum loan term is no more than 20 years.

Programs provided in cooperation with developers

If a citizen decides to purchase an apartment on the primary market and has not yet chosen a specific offer, he can use special conditions loans provided by BPS-Sberbank in cooperation with developers. As of today, the bank has 4 such programs. The borrower can use one of the offers that the bank puts forward in cooperation with:

BPS-Sberbank housing loans are issued for 20 years. The speed of consideration of the application and the process of repayment of loans do not differ from the "Housewarming from Sberbank" program. Clients of a financial institution pay a reduced interest rate using the programs described above. However, these types of mortgages have a significant drawback.

The lower interest rate reduces the financial burden on the borrower and his family, but the latter can take advantage credit funds to pay for housing only in specific buildings. This in some way limits the freedom of choice.

Mortgage with state support

On July 4, 2017, the President of the Republic of Belarus signed a decree number 240. It provides for the provision of state support to citizens who wish to improve living conditions by buying a new home with the help of loans. BPS-Sberbank also takes part in this program.

The mortgage program using state subsidies allows citizens to purchase housing in the primary or secondary market, or to reconstruct existing real estate. Take advantage of a mortgage to buy land plot or construction non-residential premises it is forbidden.

A feature of the program is the absence of the need to make down payment. The financial institution pays 100% of the value of the property. The loan term is 20 years. Part interest rate(14% per annum) is repaid through government subsidies, which reduces the financial burden on the borrower's budget.

Requirements for the borrower and the documents to be provided

Borrowed funds are issued to citizens of the Republic of Belarus. A person who is not a resident of this state can use the mortgage program only if he has a residence permit in the Republic of Belarus. To receive funds, the borrower must be of legal age. At the time of mortgage repayment, the age of the client must not exceed 75 years.

A prerequisite is the employment of the borrower. The length of service at the last workplace must exceed 6 months. To receive funds, you must provide the following documentation:

Application for a loan.
Personal passport (for persons who are not citizens of the Republic of Belarus - a residence permit).
Military ID. If the borrower does not have this document, it is necessary to provide a paper indicating the presence of a delay.
Registration certificate.
Consent to provide information from the NBRB/Ministry of Internal Affairs/NB (a sample document can be downloaded from the official website of the financial institution).
Income statement for the last 6 months.
Support documents.

Citizens wishing to use a state subsidy must additionally provide an extract or a copy of the decision of the state body on the appointment of state support. It should be noted that in this case, you can submit a certificate of income not for 6, but for 3 months.

Thus, an adult employed citizen of the Republic of Belarus can take out a loan for the purchase of housing in the financial institution "BPS-Sberbank". The bank's services can also be used by persons with a residence permit. The institution has 6 mortgage programs. A loan service is provided with the involvement of state subsidies. A decision on the application of a potential borrower is made within 3 days.

BPS Bank is the largest bank in the Republic of Belarus. Since 2009, it has been a part of the joint-stock company Sberbank of Russia.

Consumer loans of BPS-Sberbank

The bank offers a choice of consumer loans (the currency is indicated in Belarusian rubles):

You can also apply for credit cards:

FUN card with installments up to 1 year in partner stores, with cashback up to 1% and VISA KLASSIK to pay for goods and services
A real credit card - up to 5,000 - 10,000 rubles for a period of up to 60 months. The minimum rate is 15.8%.

OJSC BPS-Sberbank is considered one of the oldest and largest credit institutions in the Republic of Belarus, which was founded in 1923. Various banking programs are available to clients. Loans are provided in different currencies to choose from favorable conditions, a convenient repayment scheme, a flexible approach to the selection and evaluation of a collateral object. Today, BPS Bank offers loans to individuals, small and corporate businesses for the purchase of housing, cars and any other purpose.

BPS Bank issues a loan for any type of real estate for a period not exceeding 20 years with the lowest down payment of 10%, but you can make more if you wish.

At the same time, the borrower has access to buying an apartment in the primary and secondary markets, building in apartment building, as well as the construction or restoration of residential premises in an apartment building, residential block or single-family house under the subsidy provided, regulated by Decree of the President of the Republic of Belarus No. 240 dated July 4, 2017.

The minimum loan amount is 5,000 rubles, and its maximum size is affected by the method of fulfilling obligations:

If the borrower attracts from 2 to 5 guarantors, he will receive up to 90% of the cost of the home, but not more than 150 thousand dollars.
If a security deposit is opened Money in Belarusian/foreign monetary unit – 80%.
If property rights to a housing under construction or purchased are pledged with further pledge real estate, the car of the borrower or a third party - 70%.

Note! When calculating the maximum loan amount, not only the income of the borrower is taken into account, but also the involved family members (wife / husband of the borrower) or the next of kin.

Loan funds are provided in a lump sum or non-revolving credit line by crediting money to the account of the seller.

Payments for the payment of principal and interest are always made before the 20th day, and the repayment of the interest rate begins the next month after the signing of the loan agreement.

Interest rates

The interest rate for the use of borrowed funds for each banking program different and depends on certain factors:

The refinancing rate of the National Bank of the Republic of Belarus from February 14, 2018 is 10.5%. If it is changed, the percentage on all credit products will decrease or increase.

Requirements

BPS Bank approves housing loans to borrowers who meet a number of requirements:

The presence of Belarusian citizenship or a residence permit.
The minimum age at the date of conclusion of the contract is 18 years.
The maximum age on the date of the last payment is 75 years.
Official employment from 6 months at the current place of work (according to the program of construction and reconstruction of housing using subsidies, 3 months are enough).

Guarantors or co-borrowers must also fall under these conditions.

Required documents

To consider an application for a loan, the borrower (guarantor) must attach a pre-prepared package of documents to the application form:

If the borrower wants, when calculating total income the bank took into account the salary of the spouse or close relative, they must give written consent to this. The bank will also need a document indicating the value of the collateral and confirming that it is owned by the applicant.

Online application process

You can send an application to BP-bank for the construction or purchase of housing both at the institution’s branch and on the Internet. The second method is much more convenient, as it significantly speeds up the process, and the borrower will not spend extra time on the road to a banking institution. The online application process is simple and even inexperienced PC users can do it. To do this, you need to follow several steps.