Take a loan in SKB Bank. SKB-Bank loans. SKB Bank: Online Cash Credit Application

Go to the SKB-Bank site. Check out the main conditions for issuing a loan, fill out the questionnaire:

Enter the name and date of birth. Specify the phone and e-mail to communicate. Select the type of income certificate that you plan to provide. Click on the "Get Credit" button.

SKB-Bank examines the application within 1-2 days. The bank employee will call you and inform the preliminary decision.

To arrange documents, come to the office of SKB-Bank.

Requirements for the borrower

• Citizenship of the Russian Federation
• From 23 to 67 years
• Work experience from 3 months
• Registration and accommodation in the region where there is a bank branch

Required documents

• Passport of the Russian Federation
• Certificate of income for 6 months
• Military ID (for men under 27)
• An additional document is reduced, driver's license, passport, certificate of serviceman

About Bank.

SKB-Bank is one of the largest banks in the Sverdlovsk region. Founded in 1990 on the basis of the local department of Agroprombank. The bank with difficulty survived the 1998 crisis, after which part of his shares bought the regional administration. In 2001, the Bank entered the Sinar Group, which unites a number of companies in the metallurgical industry. From 2007 to 2013, the European Bank for Reconstruction and Development was also included in SCB shareholders.

Now more than 90% of SCB shares belong to a member of the Board of Directors Dmitry Pumpyansky, who controls the bank through Sinaru and the pipe metallurgical company. The central office of the bank is located in Yekaterinburg. The regional network includes seven branches and more than 140 offices in a number of regions of Russia. The Bank operates on the basis of a license No. of March 4, 2016.

SKB-Bank - a universal bank that serves both private and corporate clients, including enterprises of the Sinar group. Individuals he offers loans, deposits, bank cards, money transfers, operations S. securities and foreign currency. For business, RKO, loans and guarantees, deposits, corporate and salary cards, currency control and other services.

Documentation

1. Rules for integrated services of individuals in SKB-Bank

You will learn how to enter personal Area On the official website of SKB-Bank online. Detailed instructions on a convenient and rapid access to Skbbank.ru with screenshots and video instructions. Visual Restoration Guide forgot password To the bank's personal account. We have only the most relevant information.

Answers to popular questions

How to increase the amount of credit?

The bank is calculated maximum amount Loan on your income. If you need to make a loan on great amountYou can attract the coacher. SKB-BANK will take into account his income and increase the credit limit.

The coacher can be your relative or acquaintance. It must also comply with the requirements that the Bank places to the borrower.

How can I get a loan at a reduced rate?

SKB-Bank offers consumer loans for preferential conditions Employees of their customers. If your organization is accredited by the bank, then you can get a cash loan at a reduced rate. To get accreditation information, contact the SKB-Bank office.

There is one important point. SKB-Bank really issues, but in this case you can only count on the amount of from 100 to 299 thousand rubles for up to 3 years and at a rate of 15.9% per annum. And in order to get a cherished rate of 9.9% - there will be already a certificate of income in the form of a bank or 2-NDFL. Clean income On the hands for such a percentage - from 30 000 rubles.

The rate is 11.9% - and so low enough, plus there is also a "tasty" condition of the bank - no commissions and fines for early repayment. You can close it early at least the next day after they took to reduce overpay.

Requirements for the borrower

• Your age from 23 to 70 years;
• You are registered and live in the region of the Russian Federation, where you are going to take a loan;
• Your work experience is at least 3 months;
• Passport + second document.

As a second document, a passport, military ticket and a retirement or driver's license can traditionally be.

This offer is only for customers without overwhelming on current loans and with good history. If you have a bad or no, take advantage of the offer "

Maxim Demchenko

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SKB Bank offers its potential and current customers with cash. Customer credit From SKB Bank is presented with 3 main products.

Credit offers from SKB Bank - good opportunity Get enough large amount For the period of up to 10 years. Clients are available to the following products:

All loans are issued in rubles. The amount of interest rates depends on the loan amount, the action period
Credit transaction and customer category.

Conditions of action credit programs Could be changed by a banking organization unilaterally.

Lending terms

Consumer loans in the JCB Bank are distinguished by loyalty in relation to borrowers. Terms of conclusion of a loan agreement depend on the program chosen by the client.

In SCB, there are loyalty programs for certain categories of applicants. These include participants salary projects, as well as customers who have a positive credit history. They first of all can expect to reduce interest rates by 0.5 percentage points.

Requirements for the borrower

TO potential borrowers The lender places certain requirements:

• russian citizenship;
• the actual place of residence corresponds to the place of registration in Russia;
• the applicant must achieve an adult age at the date of submission of the application in SKB Bank;
• at the date of the estimated repayment of the loan in full, the borrower should be not older than 70 years;
• officially confirmed work experience at the last workplace should be at least 92 days.

When issuing a loan "On all about everything" in the amount of more than 299 thousand rubles or a loan "Individual" additionally from the applicant requires confirmation of its income (Help 2-NDFL,).

In case the size of the income is not enough to obtain a loan, the borrower can attract one or two coaches.

Package of documents for registration of consumer
Credit

To get a loan in cash, the applicant must have with you:

• general passport;
• men under the age of 27, a military ID;
• certificate of income (if necessary);
• document confirming official work experience.

Since to obtain a loan "Individual" requires the execution of a collateral, the applicant is necessary
Provide documents on property that is transmitted to ensuring a loan.

These include:

• certificate of ownership of real estate;
• a vehosparer on the car;
• deposit agreement concluded with any bank in the amount of more than 100,000 rubles.

Copies of all documents are checked with originals, certified by a bank employee and are entitled with the application.
on credit.

In the event that the borrower attracts coaches, then from each of them is also required
Providing a full package of documents.

How to make a loan

In SKB Bank, apply for a loan one of 4 ways:

1. Personal visits to office. In this case, with you, you need to have the entire package of documents. Here with the help of an employee, the applicant will fill out a questionnaire. After consideration of the application with the client, the department manager will contact and will be invited to sign a loan agreement and obtaining a loan.
2. On the official website of the bank. To do this, go to the "Cash Credits" page, select the product interested, go to the "Application" tab. Next, the user needs to make the appropriate data in the form field and click the "Get Credit" button. The prior decision the applicant will receive within 2 business days.
3. Through the DBO system. This method of filing the application is available to registered users. The application layout algorithm is as follows: Using the login and password, go to your personal account, go to the "Loans" tab, select "Apply". The system will suggest fill out the form. After that, it is recommended to carefully check all the information and send an application to the bank. The preliminary solution of the client will receive within two working days.
4. In the application Mobile Bank The algorithm for submitting an application for a loan of cash is similar to the application process through the remote service system.

Registration of the loan loan in Online mode will significantly reduce the applicant's time. After approval of the application, the Bank's specialist will invite a borrower to visit the department where he will be able to sign a treaty and get a loan.

Repayment of credit

The loan repayment is made every month with equal payments during the entire period of the credit transaction. The client has the right to early repayment of the loan, both partial and complete. To do this, you need to write a statement and after it is considered to make a stipulated amount in the account of repayment of the loan.

Without commission

Customer of the Bank of Bank is available 4 ways to make monthly loan payments, the Commission for Kotcari is not charged:

1. Visit the department of SKB Bank. Here the bank employee will be payment orderThe client will make funds in the bank's office. Money will immediately be credited to the repayment of debt.
2. Pay through your personal account. For this, the client must connect Internet banking. He will be able to do this only in the office, signing the comprehensive remote service contract. After that, the user will be able to pay debenturesUsing personal account services.
3. Use mobile banking. The registration procedure is similar to registration in the Internet bank.
4. Take advantage of the ATMs of SKB Bank. Using the system instructions, select the loan repayment section in the menu, make the necessary data and the appropriate amount.

When repaying a loan through an ATM, it should be borne in mind that cash will be credited to the account within 5 working days.

C Commission

If the applicant does not have the opportunity to make funds to the account through the cash desk of the CCB Bank, then the loan can be paid off in any other third-party bank.

Also borrowers are available different electronic services To repay debt. For such transactions from the borrower held the Commission.

Name	Commission size	Money transfer
In third-party departments banks	Minimum size - 10 rubles., 3% will be charged as much as possible. from the sum of transformation	1 - 5 days
Euroset	1% of the transfer amount. Minimum payment 50 rub., Maximum 500 rub.	To the next worker day
Svyaznoy	Is free	On the next Bank day
MTS	1% of the transfer amount, But not less than 50 rubles.	To the next worker day
Beeline	1% of the transfer amount, But not less than 50 rubles.	To the next worker day
Kari Shop	30 rubles for each payment	On the next Bank day

To repay a loan, you must have a passport with you, as well as details for implementation
Translation. In addition to the name of the bank, you should call the account number where funds must be credited and the number of the loan agreement.

Available Citizens of the Russian Federation aged from 23 to 70 years. Registration and actual accommodation in the constituent entities of the Russian Federation, in which the Bank's branches are located. The borrower must be employed, the experience in the last place of work is at least 3 months. The documents will require Russian, an additional document on the selection of a borrower - a driver's license, a certificate of the FIU, a passport, a certificate of the military personality, a certificate of income. Men under the age of 27 must present a military ticket. If the borrower does not have the opportunity to provide a certificate of income, then the amount of the loan provided may be no more than 180,000 rubles.

Tariffs and service

The loan is granted for a period of 6 to 60 months. The loan amount may be from 51,000 to 1.3 million rubles. The interest rate is determined individually within the borders from 9.9% to 25.5% per annum. The issuance of the loan by the Commission is not subject.

Widget repayment methods

The repayment of the loan occurs every month with equal payments. The bank provides the possibility of partial or complete early repayment of the loan. Payments can be made in the Bank's office, through the Internet Bank, bank transaction From any bank, through the service " Gold Crown"(Euroset salons, MTS, Beeline, Kari).

Credit benefits in SKB-Bank

Credit from SKB-Bank has several advantages, among which:

• registration of a loan application on the bank's website;
• transparent service conditions;
• the possibility of early partial or full repayment credit;
• ability to get a loan without income certificate.

Widget repayment methods

Questions and answers

I am 22 years old, will the bank give me a loan?

Credits are issued to applicants, which at the time of the registration of the loan agreement turned 23 years.

Credits in SKB Bank is one of the most demanded programs. Depending on the purpose, the borrower may apply for different types loans. The following are all nuances of lending to individuals in SKB Bank. *

How to calculate a loan in SKB Bank

Today, bank customers can learn how to count on the loan, directly on the bank's website. Here, citizens can familiarize themselves with the amount of the monthly payment. Credit calculator Designed in such a way that the calculation is made to choose a client, based on such parameters:

• the amount of the desired loan;
• salary size.

In the first case, the borrower itself chooses the loan amount, the size of the monthly payment is displayed on the screen. In the second case, the available amount is calculated on the basis of the citizen's opportunities to give debts.

What can I get a loan in SKB Bank

The establishment invites the population to arrange different types of loan, including without guarantors, pledge, certificates of income. In particular, without collateral can be obtained up to 1 million rubles.

In SKB Bank, credit rates depend on various parameters:

• type of product;
• contract time;
• financial stability of the borrower;
• credit history of a citizen, etc.

Today, SKB Bank offers the population such credit products:

• "To all about everything" (including corporate program as part of the proposal) - without collateral, guarantors;
• "For their" - holders of salary cards;
• mortgage to buy housing on secondary market;
• mortgage with the state system (buying finished real estate on the primary market).

Consumer loan in SKB Bank

As part of the loan "On all about all", customers can get the amount from 51 thousand to 1.3 million rubles. The loan is issued for any purpose for up to 5 years. No income certificate has such restrictions:

• the amount is up to 180 thousand rubles;
• term up to 3 years.

The application is considered 1-2 days, if necessary, the client can attract the co-coacher. Then takes into account total income (You can get a large amount of loan). Applied annuity paymentThe early repayment does not provide an additional commission.

When decorated in SKB Bank of the loan Cash to the borrower, such requirements are put forward:

• russian citizenship;
• age 23-70 years (the upper border - at the time of debt repayment);
• the experience of the last employer from 3 months.
• accommodation in settlementwhich is removed from the place of the presence of the bank not more than 50 km.

SKB Bank Documents for registration of a loan implies such:

SKB Bank Interest on Cash Credit installed in such a range:

• if there is a salary certificate - 19.9-31.9%;
• no revenue confirmation - 45%.

If the client has positive credit historyHe can count on more attractive loan conditions even without income certificate. Depending on the loan parameters, the bet is 24.9-28.9%.

Credit "For His" customers may arrange 17.9-24.9%. The age of the borrower should be within 21-65 years. The main parameters of the loan (amount, time) are not different from the product similar about everything about everything.

Credit pensioners in SKB Bank

The classic program "Loading Pensioners" in this institution has not been developed. But still, in SKB Bank, the conditions for issuing loans provide for the possibility of issuing a contract by citizens of old age:

• consumer credit Customers can arrange until the age of 70 at the time of debt repayment;
• mortgage - respectively to 65 years.

There is no classic product "Car loan" in SKB Bank. However, customers can get cash in cash on consumer needs and acquire for credit funds Autotransport (new or used). Citizens are available such programs:

• "For everything about everything";
• "For your".

Depending on the loan amount, the contract can be issued without collateral and guarantors, with a minimum packet of documents.

Mortgage in SKB Bank

Citizens who are interested mortgage credit lendingCan take advantage of one of the two programs proposed in SKB Bank.

1. Buying real estate in the secondary market. The sums from 350 thousand rubles are considered. For a period of 12, 20 or 30 years. The rate is 16% per annum, but in the absence of a client in the SCB of the Insurance Bank, it rises annually by one point before reaching 20%. The client can attract no more than two coaches (the cumulative income is taken into account). The first installment is at least 20%.

• age 23-65 years;
• russian citizenship;
• experience at the last employer from 3 months;

2. Credit with state participation (primary housing market). The sums from 350 thousand rubles are considered. For a period of 3 to 30 years. The rate is 12%, with the failure of the borrower from insurance, it increases by 2 percentage points. The first installment is 20%.

The client must comply with such requirements:

• age 21-65 years;
• russian citizenship;
• the experience of the last employer from 4 months., Common - from 1 year.
• registration in the region finding the bank.

From the documents, the borrower must be provided:

SKB Bank: profile to receive a loan

Obtaining any loan is preceded by the application by the Client's application to the bank. In paper this document Conditionally divided into several parts:

• general information about the client (personal, passport details, registration, contacts);
• credit parameters (term, amount);
• additional information (availability of existing loans, overdue, marital status, place of work, the level of income, the availability of property in the property).

SKB Bank: Online Cash Credit Application

Traditionally, to obtain borrowed funds, citizens visit the Bank's separation and submit the appropriate application in writing. In order not to spend time on a trip to Fin. Department, you can make a loan in SKB Bank online on the site. In a specially provided electronic form, the client should fill out such information:

• current city;
• date of Birth;
• contact number;
• e-mail address.

There are also two fields where you need to put "checkmarks":

• consent to sending letters to email address;
• confirmation of a banking agreement (permission for personal data processing).

Then you should click on the "Get Credit" button. Without refinement of additional data (place of work, experience, income level) the questionnaire is sent for processing. In the future, an employee of the institution will contact the client (by telephone, via email) and informs about the further scheme of interaction, namely:

• as a client must provide passport details, income information;
• what time frames will consider the application and how the client learns the decision on its issue;
• when you need to provide documents (and which one);
• when you can get money.

Credit Agreement of SKB Bank: Sample

IN loan agreement All highlights of the transaction are indicated:

• term, loan amount;
• what score list money is listed;
• repayment schedule;
• duties of the parties and mutual responsibility;
• contacts and details of the participants of the transaction.

SKB Bank: Debt refinancing

Under refinancing, they understand the issuance of a new loan, which is directed to the repayment of the already operating. Naturally, this scheme is advisable if new conditions on the loan is more profitable than previous ones. For example, when changing the policy of the Bank of Russia can observe the dynamics of the decline interest rates. At the same time active loans The approved conditions are preserved (relevant at the time of issuing a loan).

In addition, refinancing can be useful if there is a delay (this product is temporarily suspended in SKB Bank). New Credit Fully covers all debt over the body, interest, fines, and the client begins to pay contributions in the usual mode.

Sometimes refinancing is issued in order to cover several minor loans. The borrower takes one loan, which is directed to the repayment of all loans. In the future, the client is paid only one loan - it is convenient and profitable.

To apply for refinancing, citizens need to contact the Bank's Office.

How can I pay a loan in SKB

Convenience when paying a loan is no less important for the client than the rate of receiving a loan. In SKB Bank, debt can pay off different ways, including:

• at office offices;
• in Internet banking (through a computer, telephone, tablet, etc.);
• in the departments of third-party financial institutions;
• at the post office;
• with the help of electronic payment systems (Kiwi, Yandexdoney, WebMoney).

With you, the client must have a passport, the details of the contract.

SKB Bank: loan reviews

Among the positive feedbacks can be noted:

• rapid assertion of loans;
• lack of hidden commissions (including early repayment);
• interesting credit programs.

Negative reviews are also available:

• long wait in line for specialists;
• the persistent requirement is repaid late after the day (calls to the client and persons whose coordinates are indicated in the questionnaire as contact);
• inapplication of insurance when issuing a loan.

• evaluate your own chances of obtaining a loan;
• control the number of loans issued (in order to prevent fraudulent actions of third parties).

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