Dear Clients!
In connection with the increasing cases of customer requests with information about calls received from prospective bank employees on the issue of obtaining information about personal (personal) data (passport data, card numbers, availability of deposits, etc.), we inform you.
In the event that individuals did not file an application for a loan, including through remote banking service channels (, the bank's corporate website, information kiosk, contact center), or the application was sent erroneously with its subsequent cancellation, bank employees personal information (passport data, account numbers, account balances, etc.) are not requested.
In addition, please note that it is necessary to store (non-disclose) card details (number, expiration date, CVC2/CVV2 code value), as well as other confidential information: 3-D Secure password, login and password for entering the Internet banking system , code card data for entering the Internet banking system, SMS banking registration code, any one-time SMS codes sent by the Lender, etc.
Dear Clients!
With 01.08.2019 the conditions for repayment of interest under loan agreements valid as of 08/01/2019, concluded on the terms determined by the Bank, as well as in accordance with Decree No. 368, have changed. The Public Offer (Proposal) for concluding an additional agreement to the loan agreement can be found below.
Public offer (proposal) to conclude an additional agreement to the loan agreement
This document, posted on the Internet on the website at www.asb.by by the Open Joint Stock Company Savings Bank Belarusbank, hereinafter referred to as the Bank, as well as in the newspaper SB - Belarus Today, is a public offer, that is, the Bank’s proposal to change the terms of interest repayment under loan agreements in force as of August 1, 2019, concluded on the terms determined by the Bank, as well as in accordance with Decree of the President of the Republic of Belarus dated June 2, 2006 No. 368 “On measures to regulate relations with gasification of the operated housing stock of citizens with natural gas "(hereinafter - Decree No. 368), according to which the payment of interest for the use of the loan is carried out in the amount accrued on the balance of the debt for the period ( depending on the conditions of the concluded valid loan agreement):
from the date of the last payment (day of issuance of the loan) to the day preceding the day of repayment of the payment (inclusive);
from the day following the day of the last payment (the day following the day the loan was issued) until the day the payment is repaid (inclusive).
The Bank considers itself, on the terms specified in this offer, to have concluded an additional agreement to the loan agreement with an individual, hereinafter referred to as the "Lender", which, subject to the terms of this offer, in the manner prescribed by this offer, will respond to this offer (accept the offer).
Acceptance of this proposal (conclusion of an additional agreement to the loan agreement on the conditions set forth below) is the making by the Borrower of the next payment for the payment of the loan and (or) payment of interest for using it.
1. The conditions for repayment of interest for the use of a loan shall be stated as follows:
“At the payment made in case of acceptance of this offer, interest accrued on the balance of the debt for the period from the date of the last payment or from the day following the day of the last payment is paid , on the last day of the previous month.
If the above payment is at the same time the first scheduled payment from the moment of conclusion of the loan agreement, then the interest accrued on the amount of the issued loan for the period from the day following the date of issue of the loan to the last day of the month in which the loan (part of the loan) was issued is paid.
If the above payment is also the last payment, then the interest accrued on the balance of the debt for the period from the date of the last payment to the day preceding the day of the full repayment of the loan (inclusive), or from the day following the day of the last payment, to the day of the full repayment of the loan ( inclusive) (depending on the terms of the current loan agreement concluded).
In subsequent payments, interest accrued on the balance of the debt for the period from the first to the last day of the previous month is paid.
At the last payment, interest accrued on the balance of the debt for the period from the first day of the previous month to the day preceding the day of the full repayment of the loan (inclusive), or until the day of the full repayment of the loan (inclusive) (depending on the terms of the current loan agreement concluded).
For loans using credit cards, if there are debit transactions that are not accounted for during the accrual of interest for using the loan, the Lender adjusts the amount of interest for using the loan in the month in which the debit transactions are reflected on the loan accounting account without attributing the unpaid amounts to the account of overdue interest payments. .
2. Conditions for early repayment (repayment) of the loan shall be stated as follows:
under loan agreements for financing real estate, as well as in accordance with Decree No. 368 - “The borrower has the right to carry out early full repayment of the loan with simultaneous payment of interest for the actual time of using the loan or partial repayment of the loan, in which the early repaid amount is counted towards the repayment of future payments on the loan or at the request of the Borrower, payments on the loan are recalculated with the conclusion of an additional agreement to this agreement indicating the amounts of payments on the loan, recalculated based on the balance of the debt on the loan and the remaining number of payment periods. ”;
under loan agreements for consumer needs (with the exception of the “Time-tested” loan and loans for consumer needs, the repayment of payments for which is carried out in accordance with the repayment schedule) - “The borrower has the right to make full early repayment of the loan with simultaneous payment of interest for the actual time of using the loan during the term of the loan agreement. Early repayment of part of the loan is allowed with the payment of interest for the actual time of using the loan. At the same time, the early repaid part of the loan is counted towards the repayment of future payments under the loan agreement or, when the Borrower applies, the loan payments are recalculated with the conclusion of an additional agreement to this agreement indicating the amounts of loan payments recalculated based on the balance of the debt on the loan and the remaining number of payment periods ;
under loan agreements for consumer needs, the repayment of payments for which is carried out in accordance with the repayment schedule, under the “Time-tested” loan - “The borrower has the right to make full early repayment of the loan with simultaneous payment of interest for the actual time of using the loan during the period of the loan agreement. Early repayment of part of the loan is allowed with the payment of interest for the actual time of using the loan.
3. The supplementary agreement to the loan agreement provided for by this proposal shall enter into force upon acceptance of this proposal and shall apply to the relations of the parties from 08/01/2019.
Information on payment of loans in the ERIP system
With 01.09.2019 in the ERIP system, a service was introduced to pay for the loan of Belarusbank JSC for the current period in Belarusian rubles.
Payment of credits is made from the 2nd business day to the 25th day of the month inclusive (except for overdue payments, full repayment of the loan, payments of future periods).
The service is available in self-service devices and remote channels of other banks, as well as RUE "Belpochta" and is located in the ERIP tree - "Settlement (ERIP)" / Banking services / Banks, NKFO / Belarusbank / Loan payment (current period).
It is possible to pay for loans issued in institutions of the bank in Minsk and the Minsk region, Mogilev and the CBU of the Mogilev region No. 701 Belynichi, No. 706 Bykhov, No. 711 Klichev, No. 715 Krugloye, No. 723 Slavgorod, No. 725 Chausy, No. 726 Shklov, No. 728 Dribin.
Access to the service for paying for loans issued in bank institutions throughout the country will be provided in stages.
To make a loan payment and identify the client, it is necessary to fill in the field with the name:
To fill in the "Payment details" field, a hint is provided:
To display the loan requirement, we pay attention to the correctness of the data entered, i.e. a separator is used between the number of the loan agreement and the last three digits of the passport *
Payment of the loan for the current period is made according to the invoiced payment (adjustment of the payment down is possible).
It should be borne in mind that, according to the terms of operation of the ERIP system, the funds for the payment made will be credited to the Lender's account on the next banking day.
Under the terms of the loan agreement, the date of return (repayment) of the loan, payment of interest for the use of the loan is the day on which the funds are credited to the Lender's account or paid in cash to the Lender's cash desk.
Attention! During the period of the restriction (from the 26th day of the month to the first business day (inclusive)) on payment of a loan by JSC ASB Belarusbank in the ERIP system, it is possible to make a payment in a cashless manner, including using the systems of JSC ASB Belarusbank Internet banking , M-banking, through information kiosks of JSC ASB Belarusbank, as well as by depositing cash at the cash desk of JSC ASB Belarusbank.
Information on repayment of loans
JSC "ASB Belarusbank" informs about the change in the numbers of loan agreements for individuals received in branch No. 714, CBU No. 708, 710, 712, 713, 721, 724, 727.
In connection with the closure of branch No. 714 in the city of Krichev, ASB Belarusbank informs about the change in the numbers of loan agreements for individuals.
When making transactions to repay loans received at branch No. 714, CBU No. 708, 710, 712, 713, 721, 724, 727, you must enter the numbers “714” before the number of your loan agreement.
For example: before the change in the number of the loan agreement No. ХХХХХХ, after the change No. 714ХХХХХХ.
JSC "ASB Belarusbank" informs about the change in the numbers of loan agreements for individuals received in branch No. 700, CBU No. 701, 706, 711, 715, 723, 725,726, 728.
In connection with the closure of branch No. 700 - Mogilev regional department of JSC "ASB Belarusbank" informs about the change in the numbers of credit agreements of individuals.
When making transactions to repay loans received at branch No. 700, CBU No. 701, 706, 711, 715, 723, 725,726, 728, you must enter the numbers "700" before the number of your loan agreement.
For example: before the change in the number of the loan agreement No. ХХХХХХ, after the change No. 700ХХХХХХ.
This loan repayment procedure is not applicable to loan agreements, the numbers of which begin with No. 795xxxxxxxx.
JSC "ASB Belarusbank" informs about the change in the numbers of loan agreements for individuals received at branch No. 633, as well as at CBU No. 607, 609, 613, 615, 620, 623.
In connection with the closure of branch No. 633, JSC "JSSB Belarusbank" informs about the change in the numbers of loan agreements for individuals.
When making transactions to repay loans received at branch No. 633, as well as at CBU No. 607, 609, 613, 615, 620, 623, you must enter the numbers "633" before the number of your loan agreement.
For example: before the change in the number of the loan agreement No. ХХХХХХ, after the change No. 633ХХХХХХ.
This loan repayment procedure is not applicable to loan agreements, the numbers of which begin with No. 795xxxxxxxx.
JSC "ASB Belarusbank" informs about the change in the numbers of loan agreements for individuals received at branch No. 612, as well as at CBU No. 602, 610, 616, 621.
In connection with the closure of branch No. 612, JSC ASB Belarusbank informs about the change in the numbers of loan agreements for individuals.
When making transactions to repay loans received at branch No. 612, you must enter the numbers “612” before the number of your loan agreement.
For example: before the change in the number of the loan agreement No. ХХХХХХ, after the change No. 612ХХХХХХ.
This loan repayment procedure is not applicable to loan agreements, the numbers of which begin with No. 795xxxxxxxx.
JSC "ASB Belarusbank" informs about the change in the numbers of loan agreements for individuals received at branch No. 601, as well as at CBU No. 619, 632.
In connection with the closure of branch No. 601 and the technical work to upgrade the software, JSC "JSSB Belarusbank" informs about the change in the numbers of loan agreements for individuals.
When making transactions to repay loans to individuals received at branch No. 601, you must enter the numbers “601” before the number of your loan agreement.
For example: before the change in the number of the loan agreement No. ХХХХХХ, after the change No. 601ХХХХХХ.
This loan repayment procedure is not applicable to loan agreements, the numbers of which begin with No. 795xxxxxxxx.
JSC "ASB Belarusbank" informs about the change in the numbers of loan agreements of individuals received in the branch No. 500 - Minsk Department, as well as in the CBU No. 605, 606, 611, 624, 625, 626, 627
In connection with the closure of branch No. 500 - the Minsk Department, the creation of the Minsk Regional Department No. 500 on its basis and the technical work to upgrade the software, Belarusbank JSC informs about the change in the numbers of loan agreements for individuals.
When making transactions to repay loans to individuals received at branch No. 500, as well as at CBU No. 605, 606, 611, 624, 625, 626, 627, you must enter the numbers “500” before the number of your loan agreement.
For example: before changing the loan agreement number No. 2425000000001, after changing No. 5002425000000001.
This loan repayment procedure is not applicable to loan agreements, the numbers of which begin with No. 795xxxxxxxx.
JSC "ASB Belarusbank" informs about the change in the numbers of loan agreements of individuals received in branch No. 514
In connection with the closure of the branch No. 514 in Minsk, the creation on its basis of the CBU No. 514 in Minsk and the technical work to upgrade the software, Belarusbank JSC informs about the change in the numbers of loan agreements for individuals.
When making transactions to repay loans to individuals received at branch No. 514, you must enter the numbers “514” before the number of your loan agreement.
For example: before changing the loan agreement number No. 2425000000001, after changing No. 5142425000000001.
This loan repayment procedure is not applicable to loan agreements, the numbers of which begin with No. 795xxxxxxxx.
JSC "ASB Belarusbank" informs about the change in the numbers of loan agreements of individuals received in branch No. 614
In connection with the closure of branch No. 614 and the technical work to upgrade the software, JSC "JSSB Belarusbank" informs about the change in the numbers of loan agreements for individuals.
When making transactions to repay loans to individuals received at branch No. 614, you must enter the numbers "614" before the number of your loan agreement.
For example: before the change in the number of the loan agreement No. ХХХХХХ, after the change No. 614ХХХХХХ.
This loan repayment procedure is not applicable to loan agreements, the numbers of which begin with No. 795xxxxxxxx.
Proposal to change (extend) the maturity of payments for December 2018 on overdrafts and interest on overdrafts (public offer)
www.asb.by Open Joint Stock Company “Savings Bank “Belarusbank”, hereinafter referred to as the BANK, is a public offer, that is, the BANK’s offer to change (extend) the term for making an overdraft payment and pay interest for using an overdraft under current account agreements containing terms of overdraft lending, concluded in the OPERA of the Head office, CBU No. 524, branch No. 527.
The BANK considers itself, on the terms specified in this offer, to have concluded an additional agreement to the current account agreement containing the terms of overdraft lending with an individual, hereinafter referred to as the BORROWER, who, subject to the terms of this offer, in the manner prescribed by this offer, will respond to this offer (accepts the offer).
The acceptance of this offer (the conclusion of an additional agreement to the current account agreement containing the terms of overdraft lending on the conditions set forth below) is the payment by the BORROWER of the payment for December 2018 for the overdraft and the payment of interest for using it.
The additional agreement provided for by this offer to the current account agreement containing the terms of overdraft lending shall enter into force upon acceptance of this offer and shall apply to the relations of the parties from 01/03/2019.
Conditions of an additional agreement to the current account agreement containing the terms of overdraft lending
The LENDER undertakes to make payments on the overdraft and pay interest for the use of the overdraft for December 2018 no later than 03.01.2019 (inclusive).
Proposal to change (extend) the maturity of payments for December 2018 under loan agreements (public offer)
This document posted on the Internet on the website at: www.asb.by by the Open Joint Stock Company "Savings Bank "Belarusbank", hereinafter referred to as the BANK, is a public offer, that is, the BANK's proposal to change (extend) the payment deadline on a loan and payment of interest for using a loan for December 2018, under loan agreements concluded at the OPERA of the Head Office (except for loans issued using the Internet banking system), CBU No. 524, branch No. 527 and at the Mortgage Office.
The BANK considers itself, on the terms specified in this offer, to have concluded an additional agreement to the loan agreement with an individual, hereinafter referred to as the BORROWER, who, subject to the terms of this offer, in the manner prescribed by this offer, will respond to this offer (accept the offer).
The acceptance of this offer (the conclusion of an additional agreement to the loan agreement on the conditions set forth below) is the payment by the BORROWER of the payment for December 2018 to pay the loan and pay interest for using it.
The additional agreement to the loan agreement provided for by this offer shall enter into force upon acceptance of this offer and shall apply to the relations of the parties from 01/03/2019.
Conditions of the supplementary agreement to the loan agreement
The BORROWER undertakes to make payments on the loan and pay interest for the use of the loan for December 2018 no later than 03.01.2019 (inclusive).
Loan selection
Decided to take a loan, but do not know which one to choose? Our loan selection service will help you choose a loan based on your needs. Enter your preferred options and compare the available options.
Consumer loans
JSC "JSSB Belarusbank" has provided consumer loans for any needs in terms of ease of use and repayments on loans for the purchase of a car, training, purchases of goods and services, as well as other needs.
Installment card
Need additional funding? – We offer an easy and profitable solution to financial problems, which will allow you to pay both on the territory of the Republic of Belarus and abroad, not only with your own funds, but also at the expense of the bank, thanks to the overdraft service on the Magnit installment card.
Overdraft lending
Do not like to borrow money, but your own funds are not always enough for your needs? - Take advantage of all the benefits of an overdraft - a short-term loan provided by the bank through a debit bank payment card.
Real estate loans
Thinking about buying an apartment or building a house? – We offer financial assistance in the form of a loan for the construction or purchase of real estate, including as part of state support for citizens or in shared construction.
Just started working, but you need to buy a lot of things, but there is not enough money for everything? Or maybe you dream of getting a good education, but it is expensive? Perhaps you are planning to have a baby using IVF? – For all these purposes and not only, we have developed a whole line of soft loans.
We offer leasing services for individuals. At affordable prices, you can buy vehicles, real estate, durables or goods under joint programs on lease. For the convenience of calculating payments, a leasing calculator has been developed.
mortgage office
We will help you quickly and profitably resolve the issue of buying an apartment on credit. To provide a full range of services for real estate transactions, the first mortgage office in the country has been opened, where you can get comprehensive advice on registration and issuance of loans for housing.
The course of consideration of an application for a loan (overdraft)
Have you applied for a loan (consumer or overdraft) and want to know what stage it is in? – We suggest using a specially designed online service for these purposes.
JSC "ASB Belarusbank" is the largest bank in Belarus, offering today a whole range of financial services for individuals and legal entities. With it, you can. Getting a loan in Russia is as easy as taking a loan for consumer needs in Belarusbank. But first you need to decide for what purpose you need a loan.
Advice: some microfinance organizations, such as, give loans even with a bad credit history. Belarusbank issues loans to borrowers with any reputation. There are differences only in the definition of the interest rate.
Credit programs from Belarusbank
As soon as you open the website of Belarusbank, you can stumble upon an offer for loans for any consumer needs. Loans are offered with minimum requirements and packages of documents, on very favorable terms.
Loan "Tested by time"
It is issued to persons with both a positive credit history and those with not the best. The difference is only in interest rates, which are set individually. The monthly payment on the main debt is 5% of the balance of the debt. The loan amount is also set individually, based on the solvency of the potential borrower. The loan is accompanied by an international credit card.
The requirements for borrowers are quite simple: a loan is issued to holders of bank payroll cards who are under the age of 57 and have at least 3 months of work experience.
Documentation:
- Passport and a copy of the passport;
- income statement;
An application can be submitted directly at a bank branch, information kiosk, on the website of Belarusbank, as well as by calling the contact center number.
consumer credit
A consumer loan from Belarusbank can be issued independently directly on the website, as well as at a branch, information kiosk or by calling the contact center number.
The maximum loan amount is 8 thousand Belarusian rubles, and the actual amount depends on the client's solvency. A loan for up to 1 year is issued at 24%, and for up to 5 years - at 26-27% per annum.
Requirements for borrowers: permanent registration and permanent income on the territory of the Republic of Belarus.
Documentation:
- Passport and a copy of the passport;
- income statement;
- Consent to submit a credit report;
- Consent to the use of personal data from the register of the National Bank of Belarus.
car loan
A car loan is provided by Belarusbank for the purchase of a GEELY brand car from an official dealer of JSC Avtotorgservis.
Interest rates:
- For up to 7 years - 27%;
- Up to 5 years - 25%.
The requirements for the borrower are the same as in the previous versions, but in addition to the package of documents, a contract for the sale of a car is attached.
Credit for the purchase of goods from retail chains
It is provided for up to 18 months at an interest rate of 24% per annum. With it, you can pay for goods and services on the Internet. Requirements for the borrower and a package of documents (plus an invoice) are standard.
Loan "Serious plans"
It is provided within 200 basic units, taking into account the income of the borrower. Application can be made online. Term - up to 3 years on the security of property or with guarantors. The interest rate is 24% per annum.
The package of documents is standard (as for a consumer loan). Requirements are also standard.
Loan "Time to live"
Provided to individuals receiving a pension of no more than 150 basic units, and is assigned individually, based on the client's solvency. The loan is supported by a guarantee and a pledge of movable and immovable property. The interest rate is set individually.
The requirements for the borrower are standard, while the guarantors can be both persons with Belarusian citizenship and foreign citizens residing on the territory of the Republic of Belarus and receiving a regular income.
A copy of the pension certificate, a certificate of the amount of pension received for the last three months and a certificate for issuing a guarantee are attached to the standard package of documents.
Loan "Optimal Partner"
Issued without guarantors and certificates under standard requirements. The interest rate, as well as the amount of the loan (no more than 200 basic units), is set depending on the income of the borrower.
Required documents:
- Original and copy of the passport;
- income statement;
- Invoice indicating the manufacturer.
Loan "Strong Start"
"Confident Start" can answer the question "" and is issued for up to 2 years at an interest rate of 18% to 20% per annum, depending on the solvency of the borrower. Amount - no more than 50 basic units under the guarantee of a close relative.
Such a loan can be obtained by capable persons under the age of 31 at the time of loan processing, permanent registration and permanent income on the territory of the Republic of Belarus are required.
Documentation:
- Passport and its copy;
- Income statement for the last 6 months (including scholarships);
- Record book and its copy.
Student loan
A loan for education in Belarusbank is issued taking into account the annual cost of education and the client's solvency. A similar one can be obtained on less loyal terms. Here, the interest rate is set within 22-24% per annum for a period of 1 to 5 years. A pledge of property and a surety is required.
Requirements for the borrower: the borrower must be a capable citizen of Belarus with permanent registration and a steady income.
Documentation:
- Passport and its copy;
- income statement;
- A copy of the contract for training;
- Education document (certificate or diploma);
- Making surety.
Advice:? Perhaps you should choose a loan for a specific purpose. Belarusbank offers a whole range of special lending programs for any consumer purposes. Therefore, before applying, you should think about the compliance of your goal with the loan program and choose the option that suits you the most.
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Belarusbank is a Belarusian bank that provides loans with any credit history for any amount and consumer purposes. The bank has the most loyal requirements, low interest rates and the ability to choose options with a guarantee, collateral or without them. In addition, the bank provides loans to various categories of citizens, including pensioners and youth, and also supports partnership programs that allow you to receive discounts and bonuses.
In contact with
It will help you choose the right loan product, calculate the basic parameters of the loan and build a schedule for upcoming payments.
Belarusbank mortgage calculatorBelarusbank concessional loan calculator
Belarusbank loan calculator for young professionals
The bank is located and operates on the territory of the Republic of Belarus and issues loans in Belarusian rubles.
"Belarusbank" provides such types of loan programs as: consumer loans, loans for the construction and renovation of real estate, soft loans for home renovation, loans for education, including soft loans, loans to young professionals, loans for the improvement of burial sites, loans "Health and Agrotourist.
The amount of credit for consumer needs is determined by the solvency of the person who applied to the bank. Credit money can be transferred both to a plastic card and, at your request, to the accounts of other individuals, to pay for goods and services, and, of course, in cash. The interest rate on the loan depends on the term for which you take the loan, as well as on the place of your actual residence. So, if you take a loan for 1 year, the interest rate on it will be 35% per annum, and for residents of rural areas - 34%. The loan amount cannot exceed 200 base units.
The maximum term for issuing a loan for consumer needs is up to 5 years, in which case the annual interest rate is 40% per annum. For citizens who live in settlements with a total population of up to 20 thousand people, a benefit is provided - instead of 40% - 38% per annum.
To start the calculation, fill in the fields of the form below and click the "Calculate" button.
Belarusbank consumer loan calculator
Belarusbank offers loans for consumer needs to everyone who lives in the Republic of Belarus. This is a great opportunity to make a long-awaited purchase.
In Belarusbank, everyone will find the best loan product for themselves. The bank's specialists did a good job of creating consumer lending programs, thanks to which loans became even more accessible to all categories of the population of the republic.
In this article, we will analyze the current loan programs from Belarusbank. Perhaps someone will like some kind of loan after reading this article.
Belarusbank has a loan that provides for spending on consumer needs. This credit can be used to pay for goods and services, even if they were purchased on the Internet.
Consider the requirements of the bank in relation to its future borrowers and understand who can qualify for this loan.
Requirements of Belarusbank to applicants:
- Capable persons
- Permanent residence in the Republic of Belarus
- Stable source of income in Belarus
It is noteworthy that this cash loan can be issued by both a citizen of the Republic of Belarus and stateless persons residing on a permanent basis in the Republic of Belarus.
So, the following credit conditions are available to the applicant:
- Loan disbursement method: bank transfer or credit card
- Debt payment procedure: actually for the period of using the cash loan
- Loan amount: individually
The loan amount will be calculated based on the borrower's monthly income. By the way, the loan rate will also depend on some factors (agreement / refusal of insurance, loan term, etc.).
Let's call it a standard consumer loan and consider other relevant bank offers aimed at consumer needs.
Loan product "Time to live"
Such a cash loan is designed for consumers who have reached retirement age. However, there is a reservation that persons entitled to receive a pension in accordance with the legislation of the Republic of Belarus can apply for this loan.
Benefits of this loan:
- Lower credit rate
- Possibility to apply for a loan without proof of income
- Customers can buy goods and services online
- The applicant is provided with several ways to register the application
Under the terms of this loan, the applicant can count on the following loan conditions:
- Providing a credit amount to a credit payment card
- The amount of the loan: in the amount not exceeding 150 basic units within the solvency of the borrower
- Loan collateral required
As collateral, it is possible: a guarantee of individuals, a pledge and any other means of securing a debt obligation, provided for by the legislation of the Republic of Belarus.
It is noteworthy that the credit rate is floating.
This loan is also designed for the consumer needs of the borrowers. It provides for the issuance of borrowed funds to refinance a problem cash loan.
Refinancing applies to consumer and mortgage loans that were issued in Belarusian rubles or in foreign currency. But it is important that the bank provides an opportunity to use this loan program only for refinancing loans that were previously issued in Belarusbank.
This loan can be issued without a guarantee, and if the borrower is also a payroll client of the bank, then he will not need to confirm his income with certificates.
Credit terms:
- Method of issuing a loan: non-cash transfer to pay the principal debt on a refinanced loan
- Interest payment procedure: upon use of the loan
- Loan amount: depending on the solvency of the client
- Security: any option provided by the legislation of the republic
The amount of the loan, although it depends on the solvency of the borrower, but it certainly will not exceed the amount of the remaining debt on the principal debt of the refinanced loan.
The loan will look like this:
- Any balance of debt on the loan, but the use of the loan up to 1 year: 20%
- The balance is over 1 thousand rubles, and the use of the loan is up to 5 years: 21%
Let's take a quick look at the requirements for borrowers who want to refinance their existing loan.
Belarusbank requirements:
- A client who is a citizen of the Republic of Belarus, a foreigner or a stateless person who is on permanent residence in the Republic of Belarus
- Having a permanent source of income in the Republic of Belarus
Submit an application in a convenient way for you and the bank will certainly notify you of its decision as soon as possible.
Loan "Tested by time"
Provides for the issuance of a loan using an international credit line due to the opening of a revolving credit line.
This cash loan is available to payroll customers and their age does not exceed 57 years.
The loan is issued to an international credit card, which will be valid for 3 years. After this period, it can be reissued. Well, the amount of the loan will be calculated based on the data on the solvency of the borrower.
Belarusbank provides several ways to register a loan application. The applicant only needs to choose the most suitable method for him and fill out the application form of the bank.
Ways to register an application in Belarusbank:
- At a bank branch
- Through the information kiosk of Belarusbank
- In the M-Banking system
- On the corporate website of Belarusbank
- Through the contact center
As you can see, the bank made sure that it was convenient for the applicant to apply for a loan. And for those applicants who do not like queues, the remote option is very suitable, i.e. registration of the application in any way, except for a visit to a bank branch.
Documents for obtaining a loan
To document a loan obligation to a bank, you need to collect a certain package of documents.
The standard list of papers that will be needed to conclude a loan agreement is as follows:
- Passport of the applicant (and guarantor)
- Income statement or bank statement for the last 3 months.
- Consent of the applicant and the guarantor to the processing of their personal data
Please note that certificates are only valid for 30 days.
If necessary, the bank manager will clarify what other documents are needed to conclude a loan agreement, but this is already individual in each case.
The easiest way to get a loan is to payroll clients, since the lender has the necessary information about the borrower. It is enough for such clients to fill out an application and verify their identity with a passport.
Belarusbank has a lot of consumer lending programs. There is also a separate section of loans for the younger generation, as well as educational loans. Follow the bank's current loan offers and you will definitely find a loan product that will provide favorable loan conditions.
General terms
Loans for consumer needs from Belarusbank is a loan (credit line), the amount of which depends on your solvency, issued under the guarantee of individuals.
Credit calculator
In addition, the calculator will help you determine the amount of savings on interest, if you are ready to keep the amount of the loan payment at the same level.
Online loan processing
Using the order form, you can apply for a loan in 1 minute, after which the bank will contact you and inform you of the decision and determine the place (branch) for processing all the necessary documents.
Documents for obtaining a loan
- Passport or residence permit;
- Income statement.
- Documents of the guarantor (passport and certificate of income)
Basic requirements for the borrower
- Resident of the Republic of Belarus. Confirmed by a passport of a citizen of the Republic of Belarus or a residence permit in Belarus.
- Seniority. Confirmed by the information of the certificate of income.
Loan repayment
- Through the cashier at the bank branch
- With the help of Internet banking and mobile banking of Belarusbank
- With the help of Internet banking and mobile banking of other banks, if they are connected to ERIP
- Through ATMs and infokiosks of other Belarusian banks connected to the ERIP system.
