Belweb Bank loans for consumer needs. BelVEB Bank has resumed accepting documents for consumer loans “Dabrabyt”, “Dbayny Gaspadar” and “Spryntar” They planned to purchase a large purchase
Fully capable individuals - citizens of the Republic of Belarus, foreign citizens and stateless persons who meet the following requirements:
- age: at least 21 years old on the date the applicant submitted documents and no more than 63 years old for women and 68 years old for men on the expiration date of the loan repayment period;
- for male applicants of military age - passing military service on call; exemption or deferment from military service for conscription for the entire loan period.
- documents confirming receipt of income for the last 3 months:
*. If you receive wages to a current (settlement) account opened with OJSC Bank BelVEB for at least 3 months, providing a certificate of income is not required;
individual entrepreneurs provide , as well as documents confirming the payment of taxes for the last 3 months;
persons receiving cash payments in the form of a pension, they must provide a certificate of the amount of the pension received, issued by the authorized body.
* The income certificate must contain information about income and the amount of deductions made (if any) for the last three calendar months in which income was accrued, preceding the day the documents were submitted to the bank.
- applicant - individual entrepreneur presents a certificate of registration as an individual entrepreneur and a special permit (license) to carry out a certain type of activity (if any);
- documents confirming the fact of previous completion, exemption or deferment from military service under conscription (military ID, registration certificate) - for a male applicant of military age
at the Bank's office, it is necessary to fill out the applicant's application form and the applicant's consent to provide credit report.
Guarantors can be individuals (except for individual entrepreneurs who are single tax payers and individual entrepreneurs applying the simplified taxation system) - citizens of the Republic of Belarus, foreign citizens and stateless persons who meet the following requirements in aggregate:
- age: at least 21 years old on the date the guarantor submits documents and no more than 58 years old for women and 63 years old for men on the expiration date of the loan repayment period;
- registration on the territory of the Republic of Belarus;
- availability of a residence permit on the territory of the Republic of Belarus (for foreign citizens and stateless persons);
- a permanent source of income on the territory of the Republic of Belarus;
- continuous work experience at the current place of work for at least 3 months;
- for male guarantors of military age - military service under conscription; exemption or deferment from military service for conscription for the entire loan period.
- at the bank office, you must fill out a guarantor’s questionnaire and the guarantor’s consent to provide a credit report;
- passport (for citizens of the Republic of Belarus), residence permit (for foreign citizens and stateless persons permanently residing on the territory of the Republic of Belarus);
- guarantor and/or;
- documents confirming the fact of earlier completion, exemption or deferment from military service under conscription (military ID, registration certificate) - for a male applicant of military age;
- guarantor - individual entrepreneur - payer income tax presents a certificate of registration as an individual entrepreneur and a special permit (license) to carry out a certain type of activity (if available).
* - in the event of a change at the client’s initiative in the terms of one contract, entailing the need to make changes to the terms of other contracts, the fee is charged under one of the contracts as part of the transaction.
Repayment (return) of the loan and payment of interest for its use can be made by the borrower:
- depositing cash in, regardless of the place where the loan was received;
- V non-cash form by transfer from your current (current) account;
- by deductions from wages or other income;
- payment card of any bank of the Republic of Belarus through a network of devices (in and ), marked with a blue and white logo;
- on the Internet using the service;
- using the "Calculation" system:
Already a week Bank BelVEB accepts from individuals packages of documents for obtaining loans under popular programs consumer lending“Dabrabyt”, “Dbainy Gaspadar” and “Spryntar”.
Are you planning a major purchase?
Apply for a loan under the Dabrabyt program up to 100 million rubles for a period of up to 3 years. The loan is issued within 1 business day. The “Dbayny Gaspadar” loan is issued within 2 hours and is provided in an amount of up to 40 million rubles without guarantors.
Need money urgently?
Get a Spryntar loan in the amount of up to 25 million rubles in just 30 minutes without guarantors or proof of income! If you periodically need money, then a credit card is ideal for you.
Credit card "Sprauna" was developed by BelVEB Bank to finance daily needs and unforeseen expenses. Apply for a card once and use a loan amount of up to 50 million rubles many times until your retirement age!
Do you need to renovate your apartment?
Apply for a Dobry Pachatak credit card up to 200 million rubles for a period of up to 7 years, buy building materials, furniture, pay for the services of builders and do your repairs as quickly or not as quickly as you want. This program was developed by BelVEB Bank specifically for those who make large purchases over a long period of time. With credit cards, you only pay interest on the amount you use. If you don’t use the card, you don’t pay anything to the bank. Issuing and servicing cards is FREE.
Use the BelVEB Bank loan calculator and calculate your loan amount.
Call the BelVEB Bank call center right now at (+375 17) 209-29-44 or 205 (from your mobile phone) or come to the branch nearest to you and find out more about lending conditions. BelVEB Bank specialists advise on all issues of providing loans.
Complete an online application without leaving your home! BelVEB Bank values your time.
You can also leave a request for a loan at your place of work or leave a request at the bank’s call center by calling (+375 17) 209-29-44 or 205 (from mobile). (the call center is open 24 hours a day)
In the near future, our specialists will visit you at your place of work and formalize everything Required documents to obtain a loan.
Bank BelVEB is considered one of the largest banks in Belarus. It has been actively working since 1991. During this time I managed to gain a huge client base, which includes not only individuals, but also legally registered companies. Provides initial capital to an entrepreneur to open his own business or develop an existing one, and for an ordinary client, Bank BelVEB provides loans for consumer needs, the amount of which depends on the chosen tariff.
A large selection of loan products provided to individuals allows different categories of clients to make their wishes come true. It is possible to apply for special conditions if you have a positive credit history.
Loans for consumer needs are issued in accordance with established tariffs:
- "Lagodny." Issued without guarantors, for a period of 2 months to 5 years. Loan amount – up to 12,000 Belarusian rubles($6,062) for clients in the “Classic” category, up to 17,000 ($8,588) for the “Prestige” and “Premium” categories, up to 22,000 ($11,115) for the “VIP” category. The interest rate is determined individually depending on the category of the client and the loan term, ranging from 11.5 to 16.5%.
- "Dabrabyt." Interest rate 14-15.5%, loan size from 1,000 to 50,000 Belarusian rubles ($505 – $25,261) for the categories of clients “Classic”, “Prestige” and “Premium”, up to 60,000 ($30,313) for "VIP" category. Loan term from 2 to 12 years. Clients who have taken out a loan under the Dabrabyt program have access to a deferment on the payment of the principal debt for 6 months from the date of receipt of the loan.
- "Asables." Loan from 500 to 3,000 Belarusian rubles ($252 – $1,515) at 15/15.5% per annum for 1 or 2 years. Under this program, a deferment on the payment of the principal debt is available for 2 months from the date of receipt of the loan.
- "Spryntar". Loan amount – up to 12,000 ($6,062) Belarusian rubles for clients in the “Classic” category, up to 17,000 ($8,588) for “Prestige” and “Premium”, up to 22,000 ($11,115) for the “VIP” category . Loan term from 2 to 48 months. Interest rate from 11.5 to 16.5%. Review of the application within 1 hour.
Basic requirements for clients when applying for a loan
Requirements for the borrower depend on the choice of loan product. Thus, “Asablivy” and “Lagodny” are issued to citizens of Belarus aged from 21 to 63 years for women, from 24 to 68 years for men, with a passport with permanent residence in the Republic.
“Assemblies” are issued without income certificates and guarantors. Consumer loans are not provided to non-working pensioners, individual entrepreneurs and their employees. But to register “Lagodna” you already need income certificates, as well as to register “Spryntar. Only the requirements for the age of the borrower have been changed: for women 21 – 63 years old, for men 21 – 68 years old. An individual entrepreneur can take out a Spryntar consumer loan if he officially confirms his income for the last three years.
To take out a loan from Dabrabyt, you need to meet the following bank requirements:
- age of women 21 – 63 years, men 21 – 68 years;
- citizenship of Belarus;
- passport;
- permanent registration on the territory of the Republic of Belarus;
- income certificate;
- guarantee (up to 30,000 Belarusian rubles ($15,156) – 1 guarantor, from 30,000 – 2 or more);
- a set of the same documents from the guarantors.
Categories of clients of BelVEB Bank: “Classic”, “Prestige”, “Premium”, “VIP”
As you have already noticed, loan terms depend on what category of clients you belong to. Let's take a closer look at each of them.
- VIP clients are salary earners and bank employees whose monthly income over the last 3 months was not less than $2,500.
- There is at least $100,000 in the accounts of Bank BelVEB.
- Over the past six months, the account balance has not been below $50,000.
- There is a loan open for at least a year, paid without delay, in the amount of $100,000 or more.
- Salaries and bank employees whose monthly income over the last 3 months was not less than $1,000.
- There is at least $40,000 in bank accounts.
- Over the past six months, the account balance has not been below $20,000.
- There is a loan open for at least a year, paid without delay, in the amount of $40,000.
- Salaries and bank employees who have had at least one receipt of funds over the last 3 months.
- Individual entrepreneurs - participants salary project who have made at least one salary transfer over the last 3 months from accounts opened with BelVEB Bank.
- Over the past six months, the account balance has not been below $1,000.
- There is an open loan, repayable for at least a year without delays.
- Individuals who do not belong to the categories “VIP”, “Premium”, “Prestige”.
- Persons who have a loan from a bank and are overdue for more than 30 days (or have bad debts) within last year using a loan, even if the loan expired a year ago.
Methods of obtaining and paying a loan
Before contacting the bank office, use the calculator posted on the website to choose the most favorable loan in Belarus.
Make another payment or money for partial or full early repayment possible via:
- Currency exchange point;
- BelVEB bank cash desk;
- Information kiosk and any ATM of banks of the Republic of Belarus, using a payment card;
- Internet Bank "BelVEB";
- The “Calculation” system (through “Loan repayment” it is possible to make a payment, but no more than according to the schedule, i.e. early repayment is not possible; loans, the repayment of the debt for which occurs by debiting from the current account, must be paid through “Account replenishment”);
- Accounting at the place of work by automatically deducting the payment amount from the salary.
The information may be out of date. Check the information on the official website.
Consumer loans from BelVEB Bank
BelVEB Bank offers consumer loans for any purpose, including real estate financing. The editors of the Bankonomics portal have studied all the Bank’s offers and are ready to help in choosing the optimal loan product.
Main parameters of credit products
The Bank provides differentiated terms for loans for main clients and preferential categories of borrowers.
Individual entrepreneurs and their employees, as well as pensioners who are not officially employed, will not be able to use the Asabliva loan. For those who want to get money quickly, this loan is not suitable - the application review period reaches 4 working days.
Lending terms
Lending conditions differ depending on the type of loan product and category of the client.
General terms
Features of providing loans
The bank divides all clients into categories. There are 4 of them in total: VIP, Prestige, Premium and Classic. The conditions for entering the category are quite varied, but the main criterion is the amount of funds that passes through bank accounts every month.
The more money a client receives and spends, the higher his category and the more profitable terms on loans he can receive:
- Only VIP clients will be able to receive the maximum amount of each type of consumer loan;
- also for VIP, Premium and Prestige class borrowers, interest rate for each type of loan will be reduced;
- borrowers belonging to the “Classic” category will receive only the possible minimum Money.
For the Lagodna loan proposal, another group of beneficiaries is taken into account - specialists from organizations cooperating with the bank. They are offered a price reduction credit funds up to 0.01% for up to six months. The duration of benefits is determined on an individual basis. Thus, clients who have salary (pension) cards and deposits for a certain amount in BelVEB will be able to take full advantage of the offers.
If the financial situation changes, BelVEB proposes to revise the terms of the loan agreement. To do this, you must provide supporting documents and not have any late payments.
Requirements for the borrower
The lender has the right to establish its own requirements for the borrower depending on domestic policy organizations. With their help, the bank guarantees the fulfillment of obligations under contracts.
General requirements
To take out a loan, potential borrower must meet the following requirements:
- Citizenship of the Republic of Belarus or residence permit;
- Permanent registration in the country, in particular, in the region where the bank branch operates.
- Regular income, documented.
- Work experience in one workplace for at least 3 months.
Minimum net income the borrower must be higher than minimum payment on a loan by 50% or more.
Since bank managers must verify the information, the borrower needs to provide valid business phone numbers, as well as an active contact number.
Preferential requirements
Individual entrepreneurs and partner legal entities who are provided with preferential terms, to receive a loan must fulfill their obligations to various authorities. If there are debts to the tax service, the state budget or to employees, favorable conditions do not apply. In addition, such irresponsibility may cause a loan refusal.
To receive an Asablivy loan, the minimum age for men is 24 years. To use the other three products, men are required to have a deferment from military service or a military ID with a mark on its completion.
Required documents
The borrower can confirm the ability to pay the loan by providing the relevant documents.
Mandatory
Of the required documents, first of all they provide a passport of a citizen of the Republic of Belarus or a passport foreign citizen with a certificate of issued residence permit. You will need original documents and copies of their pages (taken at the bank).
You also need information about income:
- certificate of income from work;
- certificate of income of the individual entrepreneur in the form of the Bank;
- certificate from the Pension Fund about pension accruals.
Persons having salary cards at BelVEB Bank for a period exceeding 3 months are exempt from providing income certificates.
Men under 27 years of age must prepare a certificate from the military registration and enlistment office, a military ID with data on military service, or a certificate of deferment for the duration of the loan.
At a bank branch, a potential borrower fills out an application form for the provision of funds.
Additional
Individual entrepreneurs, in addition to confirming solvency, must provide an extract from tax service about the absence of debt, as well as a business registration document and a license for certain activities.
The same list of documents is provided by the guarantor if necessary.
How to get a loan
BelVEB offers to apply for a loan through its official website or directly at its inpatient department. The client chooses the most convenient option for him.
Through the Internet
The application on the BelVEB website is preliminary in nature and does not oblige you to anything.
The application must fill in the following fields:
- current phone number;
- E-mail address.
If the client wants to apply for a loan directly at a bank branch, he must find the nearest office. You can contact the help desk or look on the website.
On the BelVEB website you can sort offices by city and find the nearest one.
On home page open the tab “Offices and ATMs” - “Offices”. Next select locality. For convenience, you can use the following options:
- show nearest;
- are working now;
- work on Saturday;
- automatic safes.
After this, the list or labels of branches on the map will be loaded.
Methods of obtaining
BelVEB Bank offers to receive the necessary amounts by bank transfer. Upon signing loan agreement The client's deposit account is automatically opened. It is also possible to transfer the amount to the account of another bank specified by the borrower.
Repayment methods
“Lagodny” and “Dabrabyt” provide a differentiated method of repayment. “Asoblivy” and “Spryntar” are repaid differentially for the first two months, and later a transition to annuity payments is possible.
It is important to promptly replenish the current account from which amounts will be withdrawn. You can choose the date for writing off the loan funds yourself by filling out the appropriate application.
No commission
To save money, you should choose the right loan repayment method. The commission does not provide for the following options:
Credits found: 18
- grace period 20 days
- interest rate from 5% per annum
- loan amount up to 25,000 rubles
- multiple extension of the renewal period
- premium cards Visa Gold and Visa Platinum
- for the purchase of cars at the Minsk-Lada auto center
- Loan amount - up to 60,000 rubles
- Loan term - from 1 to 10 years
- apartment construction
- loan amount – from RUB 5,000.
- loan term – from 1 to 20 years
- installment amount - up to 5,000 rubles.
- Installment period – up to 3 years
- interest rate – 0.0000001% per annum
- without providing documents
- without visiting a bank branch
- non-revolving line of credit
- loan amount - up to 50,000 rubles.
- loan term – from 2 to 7 years
- – up to 1 year
- provision of bonus Visa cards Gold (from RUB 7,500)
loan term - from 1 year to 7 years
overdraft loan for holders salary cards OJSC "Bank BelVEB"
automatic repayment of the loan upon payment of wages
construction (purchase) of residential premises from partner organizations of the Bank
loan term - 25 years
deferment of principal repayment
construction (purchase) of residential premises, dachas, garden houses, garages
refinancing of loans received from other banks for real estate financing
loan term - from 1 to 20 years
deferment of principal repayment
refinancing of overdraft loans previously obtained from other banks
grace period - 20 calendar days
for a loan amount of up to 1000 rubles. An income certificate is not required (except for non-working pensioners).
for the purchase of cars
loan term - from 1 to 7 years;
independent choice of car seller
grace period – 20 calendar days
interest rate – from 7% per annum
instant virtual release credit card without visiting a bank branch
without providing documents
without providing documents
anywhere in the world 24/7 (twenty-four hours seven days a week)
loan term – 4 years
- overdraft loan for holders of salary cards of OJSC Bank BelVEB
applying for and receiving a loan without visiting a bank branch
without providing documents
anywhere in the world 24/7 (twenty-four hours seven days a week)
loan amount - up to 5000 rubles.
one-time provision to an existing Bank card
applying for and receiving a loan without visiting a Bank branch
without providing documents
anywhere in the world 24/7 (twenty-four hours seven days a week)
loan term – from 2 months to 5 years
review period – 1 hour
one-time loan
loan term – from 2 to 12 years
guarantee of individuals
ability to independently choose the monthly payment date
one-time loan
annuity loan repayment schedule
review period - 1 hour
loan term – from 1 year to 5 years
You can repay loans from Bank BelVEB OJSC using the “Raschet” system *
- 1. You can use the “Loan repayment” service in the “Settlement” system using the remote banking self-service channels of any bank (except for OJSC Bank BelVEB and partner banks). To do this, you need to select “BelVEB Bank” in the “Settlement” system catalog in the “Financial Services” / “Banks” section and activate the “Loan Repayment” service. Next, you will be asked to enter the loan account number in IBAN account format: BYХХ BELB 24XX XXXX XXXX X022 6000 You can check the loan account number by contacting the office of Bank BelVEB OJSC at the place where the loan was issued.
! Using the "Calculation" system, you can only make current loan payments. If you want to repay the loan early or pay the loan a larger amount than indicated in the chart - please contact an economist at the bank office.
- 2. To make payments on loans, the repayment of which is carried out by writing off funds from the current (settlement) bank account, You need to select “BelVEB Bank” in the “Settlement” system catalog in the “Financial Services” / “Banks” section and activate the “Account Top-up” service. Next, you will be asked to enter the current account number (IBAN account format: BYXX BELB 3014 XXXX XXXX X022 6000) and the Payment Amount (you can specify an amount from 3 rubles to 100,000 rubles). The commission for crediting funds to the current account is charged according to the bank's tariffs.
*Payments made through the Calculation system are received by Bank BelVEB OJSC on the next business day after they are made.
The procedure for lending to individuals at OJSC Bank BelVEB
As a universal banking institution, OJSC Bank BelVEB provides clients with a wide range of services, ensuring high quality banking services.
The development of lending to individuals at OJSC Bank BelVEB will significantly increase client expectations in terms of quality of service and availability of services 24/7. The criterion of process speed is fundamentally important. For more high level will provide an indicator of service satisfaction based on emotional perception. Taking into account all of these factors when setting up services, developing products and processes will ensure the strengthening of the Bank’s position in the market.
Thus, the key elements for the development of lending to individuals in OJSC Bank BelVEB are:
— improving the quality of service;
— increasing operational efficiency;
— optimization of the product line and sales channels;
— further development of the VRM system, automated system“Coordination of loan issuance.”
The main change in service quality management is the use of systematic approach, including:
— implementation and implementation of customer service quality standards. The main goal of service standards is to systematize the sequence of actions of front office employees at all stages of relationships with clients;
— employee training. Improving training programs, including distance learning, is aimed at both reducing the training time for newly hired employees and improving sales skills (cross-selling), including new products and services of the Bank;
— quality control system. The main change is a significant increase in the reliability of information about the professional skills of each of the front office employees and about customer satisfaction with service at the Bank.
The key to intensive development of lending to individuals in OJSC Bank BelVEB is the expansion of the functionality of the Bank’s services provided through remote channels, increasing the efficiency of the existing network of offices.
The list of services in remote channels continues to expand banking services, as well as the transfer of a significant part of customer transactions to automated sales and service channels, including through incentives in the field of pricing and increasing the level of financial literacy Bank clients.
Lending to individuals at OJSC Bank BelVEB is carried out in the following areas:
— Purchase of vehicles;
Retail credit products OJSC Bank BelVEB are presented in Figure 2.1.
Figure 2.1 - Retail loan products of Bank BelVEB OJSC
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