Banking organization BPS-Sberbank was founded in 2009, after the acquisition by Sberbank of the main block of shares in BPS-Bank. Today, the institution works with legal entities and individuals, providing them with a full range of banking services... Private clients can get a loan from BPS Bank for the purchase of housing.
Mortgage lending from "BPS-Sberbank"
Citizens of the Republic of Belarus have the opportunity to use one of the credit products the Belarusian branch of Sberbank. The banking institution provides its clients with both targeted and non-targeted loans. You can take a loan to purchase a car, pay for education, cover a previous loan. Of particular interest is the mortgage from BPS-Sberbank.
In total, the bank operates 6 mortgage programs... However, all of them can be divided into three types:
- Standard mortgage "Housewarming with Sberbank".
- Mortgage loans provided in cooperation with development companies.
- Mortgage using state subsidies (in accordance with the decree of the President of the Republic of Belarus under number 240).
Programs differ in the amount of funds provided, interest rates and documentation requirements, so you should consider each program separately.
"Housewarming with Sberbank"
Housewarming with Sberbank is the basic mortgage program of a financial institution. You can take a loan to purchase real estate in the primary and secondary market. It is also possible to provide funds for the construction of a separate house. Under real estate in this case I mean not only housing, but also non-residential premises (garages, outbuildings, etc.), as well as land. You can receive funds without providing a purchase / sale agreement.
To use the program, the borrower will have to pay part of the personal funds... The bank is ready to pay no more than 90 percent of the total cost of housing (accordingly, the minimum down payment is 10 percent). The specific amount of the loan depends on the borrower's solvency, his credit history, providing collateral and guarantors. The main parameters of the program are as follows:
- The minimum loan amount is at least 5 thousand Belarusian rubles.
- The maximum amount depends on the specific circumstances and is:
- up to 90% of the real estate price (no more than 150 thousand dollars), if there is a surety of two or more citizens;
- up to 90% - with the guarantee of one citizen, if the loan amount does not exceed 10,000 rubles;
- up to 80% - if the borrower has a deposit in the bank (acts as collateral);
- up to 70% - if the property purchased by a client of a financial institution acts as collateral.
- Funds can be issued as a lump sum or gradually, over 6-36 months (depending on the acquired property).
- Interest rate - from 16.3% per annum.
The income of family members of the borrower can be taken into account when determining the amount to be allocated. An application for a loan is considered within 3 days. Repayment takes place by depositing funds every month (until the 20th day). The maximum loan term is no more than 20 years.
Programs provided in cooperation with developers
If a citizen has decided to buy 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 developer companies. As of today, the bank has 4 such programs. The borrower can take advantage of one of the proposals that the bank puts forward in cooperation with:
Loans for housing "BPS-Sberbank" are issued for 20 years. The speed of consideration of the application and the process of repayment of loans do not differ from the program "Housewarming from Sberbank". Financial institution clients pay a reduced interest rate using the programs described above. However, these types of mortgages have a significant drawback.
The reduced interest rate reduces the financial burden on the borrower and his family, but the latter can take advantage of credit funds to pay for housing only in specific buildings. This in some way limits the freedom of choice.
Mortgage with state support
On July 4, 2017, the President of the Republic of Belarus signed a decree numbered 240. It provides for the provision of state support citizens wishing to improve living conditions by buying a new home using loans. BPS-Sberbank also takes part in this program.
The mortgage program using a state subsidy allows citizens to purchase housing in the primary or secondary market, or to renovate existing real estate. Use a mortgage to buy land plot either construction non-residential premises it is forbidden.
A feature of the program is the absence of the need to make down payment. The financial institution pays 100% of the value of the property. The loan term is 20 years. Part of the interest rate (14% per annum) is paid off through government subsidies, which reduces the financial burden on the borrower's budget.
Requirements for the borrower and the documents provided
Borrowed funds are issued to citizens of the Republic of Belarus. A person who is not a resident of this state can use the mortgage program only if he has a residence permit in the Republic of Belarus. To receive funds, the borrower must be of legal age. At the time of repayment of the mortgage, the client's age must not exceed 75 years.
A prerequisite is the employment of the borrower. Work experience at the last job must exceed 6 months. To receive funds, you must provide the following documentation:
- Loan application.
- Personal passport (for persons who are not citizens of the Republic of Belarus - a residence permit).
- Military ID. If the borrower does not have this document, it is necessary to provide a paper indicating the availability of a deferral.
- Registration certificate.
- Consent to provide information from the NBRB / MIA / 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 use the state subsidy must additionally provide an extract or a copy of the decision government body on the appointment of state support. It should be noted that in this case it is possible to 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 buy housing in financial institution BPS-Sberbank. Persons with a residence permit can also use the services of the bank. The institution has 6 mortgage programs. A lending service is provided with the involvement of government subsidies. A decision on the application of a potential borrower is made within 3 days.
The emergence of a problem financial situation is characteristic of every person, without exception. In such cases, the only way out of this situation is to apply for a loan at BPS Bank, where loans for consumer needs are issued without confirmation of their intended use.
Every adult citizen of Belarus who meets certain requirements of the lender can get urgent loans.
As for the terms of lending, in relation to each client they are individual, 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 obtain a loan from BPS Bank only if they provide collateral in the form of real estate. A guarantee of a third party or the opening of a guarantee deposit in this financial structure can act as collateral for a loan.
- annual interest rate:
- the minimum mark is 15.8%;
- the maximum mark is not indicated, it may be higher than the indicated one, which depends on various changes and innovations of the National Bank.
- term of use of borrowed funds:
- from 12 months (1 year);
- up to 60 months (5 years).
- the size consumer credit in BPS bank:
- At least 300 Belarusian rubles;
- the maximum amount is not indicated, it depends on the level of the borrower's solvency and the amount of monthly income.
"It's time to act with Sberbank!"
Thanks to this tariff, it is possible to take a consumer loan as in individuals as well as individual entrepreneurs.
Moreover, considerable sum of money can be obtained without a certificate of income and guarantors, the main thing is to take a responsible attitude to the lending process:
- interest rate:
- the minimum rate is 15.8% per year;
- the maximum rate is not indicated on the bank's website, however, it is clarified that the mark may be higher than that indicated.
- period after which the loan must be repaid in full:
- 12 months, not less;
- 60 months, no more.
- amount of money debt:
- 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.
Loan processing
In order to get a loan from BPS, individuals will need to visit the branch of this financial structure and contact an employee of the department for work with individuals. During a conversation with a specialist, it will be necessary to voice the amount desired to be received, after which the most advantageous offer will be selected and presented to the client.
You can also apply for a loan online, for which it is enough to visit the official website of the bank and apply for a monetary debt.
Requirements for individuals
The lending process cannot be imagined without the provision of a certain package of documents by the borrowers. Also, in order to receive borrowed funds, each citizen, without exception, will have to meet an insignificant list of requirements:
- client's age:
- at least 18 years at the time of registration of the debt obligation;
- not more than 65 years old at the time full repayment debts to BPS bank.
- citizenship - the Republic of Belarus (for citizens of other countries, loans are also issued, for which it is enough to have a residence permit, the rest of the conditions for issuing a loan can be found by contacting the department of the financial structure 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 work with individuals with a certain package of documents that would be able to 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 enough to assess the financial situation of the individual entrepreneur. It will be enough for pensioners to request a certificate from a state body about the amount of monthly accrued pension.
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 customers. Loans are provided in different currencies to choose from favorable terms, a convenient repayment scheme, a flexible approach to the selection and assessment of the collateral object. Today, individuals, small and corporate business BPS Bank offers loans for the purchase of housing, cars and any other purpose.
BPS Bank issues a loan for real estate of any kind for a period not exceeding 20 years with the smallest down payment of -10%, but if you wish, you can pay more.
At the same time, the borrower is able to purchase an apartment in the primary and secondary market, construction in apartment building as well as construction or restoration living quarters in a multi-apartment, residential block or single-family building on the provided subsidy, regulated by the decree of the President of the Republic of Belarus No. 240 dated July 4, 2017.
The minimum loan amount is 5,000 rubles, and for it maximum size the way of fulfilling obligations affects:
- If the borrower attracts from 2 to 5 guarantors, he will receive up to 90% of the cost of the dwelling, but not more than 150 thousand dollars.
- If a security deposit is open Money in Belarusian / foreign monetary unit – 80%.
- If property rights to a dwelling under construction or purchased are pledged with further pledge real estate, the car of the borrower or a third party - 70%.
Note! When calculating the maximum loan amount, not only the borrower's income is taken into account, but also the attracted family members (wife / husband of the borrower) or the next of kin.
Loan funds are provided in a lump sum or non-revolving line of credit by crediting money to the seller's account.
Payments for the payment of the principal and interest are always made before the 20th, and the repayment of the interest rate begins the next month after the signing of the loan agreement.
Interest rates
The value of the interest rate for the use of 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 from February 14, 2018 is 10.5%. If it changes, the interest on all loan products will decrease or increase.
Requirements
BPS Bank approves housing loans for borrowers that meet a number of requirements:
- Availability of Belarusian citizenship or residence permit.
- The minimum age at the date of the conclusion of the contract is 18 years.
- The maximum age on the day of the last payment is 75 years.
- Official employment from 6 months at the current place of work (according to the program of construction and reconstruction of housing with the use of subsidies, 3 months is enough).
Guarantors or co-borrowers must also fall under these conditions.
Required documents
To consider an application for a loan, the borrower (guarantor) must attach a pre-prepared package of documents to the application form:
If the borrower wants the bank to take into account the salary of the spouse or close relative when calculating the total income, then they must give written consent to this. Also, the bank will need a document indicating the value of the pledged object and confirming that it is in the ownership of the applicant.
Online application process
You can send an application to BP-Bank for the construction or purchase of housing both at the branch of the institution and on the Internet. The second method is much more convenient, as it significantly speeds up the process, and the borrower will not spend too much time on the way to the banking institution. The online application process is straightforward, and even inexperienced PC users can do it. To do this, you need to follow several steps.
Fill in the form.
Today, taking a loan from BPS Bank means helping yourself to make your dreams come true on favorable and reliable terms. Types of loans: refinancing, auto, consumer, overdraft, housing. Such a variety arouses undoubted interest and desire to cooperate with us among borrowers. Each of the above loans has its own rules, offers and provides certain opportunities.
There are no major differences in obtaining a loan from BPS Bank in comparison with others. There are a huge number of banks that allow you to take out a loan in St. Petersburg. Consequently, comparing them, experts give preference to BPS in supply and demand. It has the highest performance among all banks in Russia. In short, it is the constant demand that reveals the competition, forcing the banks of St. Petersburg to make the process of obtaining a loan simple and at reduced interest rates. The main advantage of BPS is the ability to provide loans mainly for all segments of the population, which is undoubtedly appreciated by clients who need to borrow money.
Today's reality has forced BPS banks to abandon the coercion to indicate intended use consumer credit, that is, it is no longer required to submit a statement of the amounts spent by clients to the bank. Although the bank is renowned for its relentless demands, take a loan from BPS bank proposed in recent times without collateral and surety of individuals. According to the latest developed loan issuance program, the interest rate is reduced by 2% per year, and the maximum loan amount is increased, this step is incredibly profitable for clients to purchase a large purchase, a long trip, and receive a higher education. Special offer for clients who dream of getting a diploma from a higher institution in Russia - Educational loan... A loan of this type makes it possible to receive up to 90% of the funds from the deposit of the amount during the entire training period at the lowest possible interest rate.
BPS Bank perfectly understands the desires of its clients and knows that first of all the borrower looks at the interest at which the loan is given. And this is the main guideline when choosing a lending program. Nevertheless, one should understand the conditions deeper: in some of the banks, BPSs are different kind commissions for obtaining a loan, such as opening an account by a client, servicing credit program other. The interest rate on consumer loans in the BPS varies within 15 - 25%. Positive side in the benefit of obtaining a consumer loan according to the developed programs for borrowers who receive official salary on our cards. In this option, the loan processing time will take place in the shortest possible time and the low interest rate will pleasantly surprise you. By the way, a client who has provided the bank with a guarantor can get a low interest rate. It is more likely to get a loan if you are married to a guarantor, or your parents or close relatives are acting as such.
Also, clients need to consider the terms of loan repayment provided, depending on its amount. If the borrower needs the amount for a rather long time, it is best to provide the BPS bank with a collateral in this case. It will be more difficult for the borrower to decide on the timing of payment. The bulk of BPS banks issue loans from three months to five years, sometimes it is possible to receive an amount for up to seven years. The longer the lending time, the more important documents are required to be provided to the borrower.
In any case, in order to take out a loan from BPS Bank, each individual should take into account their own requirements, desires and compare them with the possibilities.
