Loan rate at BPS Bank. Loans for consumer needs at BPS Bank. Online order of a bank card
OJSC BPS-Sberbank is considered one of the oldest and largest credit institutions in the Republic of Belarus, which was founded in 1923. All kinds of 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 the collateral object. Today, BPS Bank offers loans to individuals, small and corporate businesses for the purchase of housing, cars and any other purposes.
BPS Bank issues a loan for real estate of any type for a period not exceeding 20 years with the smallest down payment of 10%, but you can make more if you wish.
At the same time, the borrower has access to purchasing an apartment in the primary and secondary market, construction in apartment building, as well as the construction or restoration of residential premises in an apartment building, residential block or single-apartment building under the provided subsidy, regulated by Decree of the President of the Republic of Belarus No. 240 of July 4, 2017.
Minimum amount loan - 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 dwelling under construction or purchased are pledged with further pledge real estate, 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 of the involved family members (the borrower’s wife/husband) or the closest relative.
Loan funds are provided as a one-time payment or non-renewable line of credit by crediting money to the seller's bank account.
Payments for the payment of principal and interest are always made before the 20th day, and repayment interest rate begins the next month after signing the loan agreement.
Interest rates
The interest rate for using borrowed funds for each banking program is different and depends on certain factors:
The refinancing rate of the National Bank of the Republic of Belarus since February 14, 2018 is 10.5%. If it changes, the interest rate on all loan products will decrease or increase.
Requirements
BPS Bank approves housing loans to borrowers who meet a number of requirements:
- Availability of Belarusian citizenship or residence permit.
- The minimum age on the date of conclusion of the contract is 18 years.
- The maximum age on the day of making the last payment is 75 years.
- Official employment from 6 months at the current place of work (under the program for construction and reconstruction of housing using subsidies, 3 months is enough).
Guarantors or co-borrowers must also fall under these conditions.
Required documents
To consider a loan application, the borrower (guarantor) must attach a pre-prepared package of documents to the application form:
If the borrower wants the settlement total income If the bank takes into account the salary of your 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 submit an application to BP Bank for the construction or purchase of housing either at a branch of the institution or on the Internet. The second method is much more convenient, as it significantly speeds up the process, and the borrower will not waste extra time traveling 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.
The banking organization BPS-Sberbank was formed in 2009, after Sberbank acquired 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 BPS Bank loan to purchase a home.
Mortgage lending from BPS-Sberbank
Citizens of the Republic of Belarus have the opportunity to take advantage of one of credit products Belarusian branch of Sberbank. The banking institution provides its clients with both targeted and non-targeted loans. You can take out a loan to purchase a car, pay for education, or cover a previous loan. Of particular interest is the mortgage from BPS-Sberbank.
In total, the bank operates 6 mortgage programs. However, they can all be divided into three types:
- Standard mortgage "Housewarming with Sberbank".
- Mortgage loans provided in cooperation with real estate developers.
- Mortgage using state subsidies (in accordance with the decree of the President of the Republic of Belarus number 240).
Programs vary in the amount of funds provided, interest rates and documentation requirements, so you should consider each program individually.
"Housewarming party with Sberbank"
“Housewarming with Sberbank” is the basic mortgage program of a financial institution. You can take out a loan to purchase real estate on the primary and secondary markets. It is also possible to provide funds for the construction of a separate house. Under real estate in in this case This means not only 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 some personal funds. The bank is ready to pay no more than 90 percent of the total cost of housing (accordingly, the minimum an initial fee is 10 percent). The specific loan size depends on the borrower’s solvency, his credit history, providing collateral and guarantors. The main parameters of the program are as follows:
- Minimum loan amount – at least 5 thousand Belarusian rubles.
- Maximum amount depends on specific circumstances and amounts to:
- up to 90% of the price of real estate (no more than 150 thousand dollars), if there is a guarantee from 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 open in the bank (acts as collateral);
- up to 70% – if the collateral is property purchased by a client of a financial institution.
- Funds can be issued at a time or gradually, over 6-36 months (depending on the property being purchased).
- 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. The loan application is processed within 3 days. Repayment occurs by depositing funds every month (before the 20th day). Maximum term lending – no more than 20 years.
Programs provided in cooperation with developers
If a citizen has decided to purchase an apartment on the primary market and has not yet chosen a specific offer, he can take advantage of special lending conditions provided by BPS-Sberbank in cooperation with development companies. As of today, the bank has 4 such programs. The borrower can take advantage of one of the offers that the bank puts forward in cooperation with:
Housing loans from BPS-Sberbank are issued for 20 years. The speed of application consideration and the loan repayment process do not differ from the “Housewarming from Sberbank” program. Financial institution clients pay a reduced interest rate using the programs described above. However, these types of mortgages have a significant drawback.
A reduced 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 freedom of choice.
Mortgage with government support
On July 4, 2017, the President of the Republic of Belarus signed decree number 240. It provides for the provision state support citizens who want to improve living conditions by purchasing a new home using loans. BPS-Sberbank also takes part in this program.
A mortgage program using government subsidies allows citizens to purchase housing on the primary or secondary market or reconstruct existing real estate. Use a mortgage to purchase land plot or construction non-residential premises it is forbidden.
A special feature of the program is that there is no need to make a down payment. The financial institution pays 100% of the cost of the property. The loan term is 20 years. Part of the interest rate (14% per annum) is repaid by government subsidies, which reduces the financial burden on the borrower’s budget.
Requirements for the borrower and documents provided
Borrowed funds are issued to citizens of the Republic of Belarus. Non-resident person of this state, can use the mortgage program only if they have a residence permit in the Republic of Belarus. To receive funds, the borrower must be of legal age. At the time of repayment of the mortgage, the client’s age must not exceed 75 years.
A prerequisite is that the borrower is employed. Work experience at the last job 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 - residence permit).
- Military ID. If the borrower does not have this document, you must provide paper indicating the existence of a deferment.
- Registration certificate.
- Consent to provide information from the NBRB/Ministry of Internal Affairs/NB (a sample document can be downloaded on the official website of the financial institution).
- Certificate of income for the last 6 months.
- Security documents.
Citizens wishing to take advantage of a state subsidy must additionally provide an extract or a copy of the decision government agency 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 to purchase housing in financial institution"BPS-Sberbank". Persons with a residence permit can also use the bank's services. The institution operates 6 mortgage programs. Lending services are provided with government subsidies. Application decision potential borrower delivered within 3 days.
Credit online calculator BPS-Sberbank provides you with the opportunity to calculate the costs associated with repaying credit loans. Using this convenient tool, you can calculate not only the loan amount, but also the amount of overpayment and other parameters
BPS-Sberbank offers its clients loan "On consumer needs» . The loan rate is 44% per annum. Money can be received in cash or Bank transaction to your card account. One of the prerequisites for obtaining a loan is the presence of a guarantor and the provision of a salary certificate for 3 months from the current place of work. The loan term can be from 2 to 5 years. The important fact is that early repayment happens without penalties.
If you have an urgent question, you can always contact the bank’s call center specialists via the hotline.
Head office location: Minsk
BPS-Sberbank consumer loan calculator
The emergence of a problem financial situation 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.
Anyone can get urgent loans adult citizen Belarus, which meets certain requirements of the lender.
As for lending conditions, 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"
Under this program, individuals will be able to receive a loan from BPS Bank only if they provide collateral in the form of real estate. The role of collateral for a loan can be a guarantee from a third party or the opening of a guarantee deposit in a given financial structure.
- annual interest rate:
- minimum level – 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 funds borrowed money:
- from 12 months (1 year);
- up to 60 months (5 years).
- size consumer loan at BPS Bank:
- 300 Belarusian rubles, at least;
- The maximum amount is not specified; 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, you have the opportunity to take out a consumer loan as individuals, as well as for individual entrepreneurs.
Moreover, considerable sum of money can be obtained without a certificate of income and guarantors, the main thing is to take the lending process responsibly:
- interest rate:
- minimum rate – 15.8% per year;
- the maximum rate is not indicated on the bank’s website, but it is clarified that the mark may be higher than this.
- the period after which the loan must be repaid in full:
- 12 months, no 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 certificates and other documents confirming the borrower’s solvency.
Applying for a loan
In order to get a loan from BPS, individuals will need to visit a branch of this financial structure 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 most advantageous offer will be selected and presented to the client.
You can also apply for a loan online, for which you just need to visit the bank’s official website and submit an application 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, every citizen, without exception, will have to meet a small list of requirements:
- client age:
- at least 18 years of age at the time of registration of the debt obligation;
- no more than 65 years old at the time full repayment debt to BPS Bank.
- citizenship - the Republic of Belarus (loans are also issued to citizens of other countries, for which it is enough to have a residence permit, the remaining conditions for issuing a loan can be found out 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 financial report for Last year– these papers will be sufficient to assess the financial situation of the individual entrepreneur. Pensioners will only need to request a certificate from a government agency about the amount of their monthly pension.
Housewarming party with Sberbank
- application form;
- passport;
Construction and reconstruction of housing with subsidies
Loan for any purpose
"It's 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.
A real credit card with a grace period
Overdraft on a credit card
- rational interest rates;
Loan for refinancing
"It's time to act"
Education loan
"Learning together"
- rate – 16.3%;
Loans for consumer needs at BPS Bank
BPS Bank is largest bank The Republic of Belarus. Since 2009 it has been part of joint stock company Sberbank of Russia.
Consumer loans from BPS-Sberbank
The bank offers a choice consumer loans(currency is indicated in Belarusian rubles):
Classical– for any purpose, from 15.8% per annum, from 300 rubles. From one to 5 years. Maximum size calculated based on the borrower's solvency. A certificate of income is not required (except for individual entrepreneurs). The rate depends on the loan size. The application review period is up to 10 days.
It's time to act with Sberbank– for any purpose, 300-100,000 rubles, from one to 5 years. For loans up to 5,000 rubles, an income certificate is not required. The review period is no more than 2 days.
Let's learn together - loan to pay for training, 15.8% per annum, 300 - 50,000 rubles (the amount issued cannot be higher than the cost of training). The maximum period is no more than 11 years. You can pay for your own education, as well as the education of your relatives. Suitable for basic and additional education. It is mandatory 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 review time is 2 days.
It's time to act with Sberbank - to refinance. From 15.8%. The minimum amount is 300 rubles, the maximum is calculated based on the borrower’s solvency and the amount of repaid loans. Period up to 84 months. Suitable for refinancing consumer, auto, overdraft loans, but no more than 5. See also: how long does it take Sberbank to review loan applications.
You can also issue 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. Minimum bid 15,8%.
Applying for a loan at BPS Bank
You can apply for a loan on the BPS website. You must select the type and purpose of the loan, confirm age, registration, availability permanent income and no overdue loans.
After submitting your application, you must wait for a response from the bank manager. You can apply for a loan at any bank branch. The processing time depends on the amount and terms of the loan. See also: reviews from Alfa Banks clients.
Requirements for the borrower:
- The period of work at the current place is over 3 months.
- Age from 18 to 65 years.
- Passport of a citizen of Belarus.
It is convenient to use to calculate the loan credit calculator on the bank's website.
BPS Bank: loans for consumer needs
The company OJSC "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 industrial construction structure. And when reforms took place in the banking sector in 1987, the Industrial and Construction Bank of the USSR was formed on its basis. In 1991, the 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 management Savings Bank Russia, together with the Belarusian government, decided on an agreement related to the purchase of shares by Sberbank in the amount of 93.27%. It was also concluded investment agreement
about the long-term development of this organization in Belarus. In 2011 it was renamed to its existing name. Today the organization boasts an extensive branch network. In addition to the 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, the picture has developed that the organization’s clients are government institutions, as well as companies operating in basic economic sectors. The bank is universal and is actively developing retail services and business programs.
In this article we are interested in loans from BPS Bank for consumer needs.
Lending to the population for the purpose of purchasing housing is one of the most widespread programs of this organization. Several areas can be distinguished, each of them includes special conditions.
- application form;
- passport;
- This loan is issued for the purchase of finished housing or for construction from scratch. In order to qualify for borrowed funds, the borrower must be in the age range of 18-75 years. Documents you will need to provide:
- documents confirming receipt of income;
securities related to securing loan obligations.
Loan rates range from 16.3 to 16.8%, depending on the conditions, which can be found on the website. This program allows you to build a dwelling (single-family or apartment) or improve its appearance. The minimum amount is 5,000 Belarusian rubles, and the maximum amount should not exceed the maximum price of a residential building, which is determined based on the decision of the executive committee. The term of the loan is 20 years, and the borrower will require a guarantee in the form of collateral and surety.
Real estate financing "Novoselye" with Sberbank and SKIF
Persons aged 18-75 years can count on receiving a loan. If we are talking about the working-age population, it is important that the borrower has worked in the last place for 6 months and has a stable income. The set of documents is determined individually for each borrower, although in general it is considered universal.
BPS Bank loans to individuals for the purchase of housing are varied.
Under 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 areas of expenses. In addition, if the borrower does not want to bring a certificate of income or is unable to do so, he can count on receiving an amount of up to 3,000 rubles. The rate is from 16.3%, and the term is up to 5 years.
A potential bank client can submit an online application for a consumer loan called “Classic”. The rate is 16.3%, and the term is 1-5 years. You will have to bring the following set of documents 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 stable income and length of service.
The borrower's age must be between 18-65 years. You must work at least 6 months at your last job.
Car loan programs at this financial institution are especially popular. The financial institution has a “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 at the time of conclusion of the agreement).
A loan application at a bank can be considered even if the client does not bring a purchase and sale agreement. You can take out a loan from BPS Bank to purchase your own car in an amount equal to 100% of the cost vehicle. The price is determined depending on which method of fulfilling obligations is chosen. % rate - from 16.3, and term - up to 7 years.
Plastic cards, to which borrowers' credit accounts are linked, have recently been gaining momentum in popularity, and BPS, following the example of the West, has developed unique and profitable programs.
This card can be used for anything. Do you want to go on a trip or go shopping? Or maybe make a useful and pleasant purchase? Then this opportunity is for you! This credit card has many significant advantages:
- convenient repayment period for credit resources – 36-60 months;
- Possibility of obtaining a loan up to RUB 3,000. without the need for certificates;
- promptness of consideration of the application;
- minimum set of papers;
- favorable rate.
This time period refers to 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 a term of up to 5 years. The application is processed quickly, and to receive the required amount you will only need to provide a minimum package of documents. Once you apply for an overdraft, you will have constant 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;
- rational interest rates;
- provision of a small package of papers;
selection 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 institutions, 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. Duration – 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 applicant's creditworthiness and includes the remaining principal balance and 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 terms for such lending: the amount is full cost
- 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 to its clients is considerable. Downloading a salary certificate for a BPS bank loan will not be difficult for you.
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