Belinvest loans for consumer needs. Housing loan from Belinvestbank. Requirements for the borrower
A consumer loan is a type of loan provided to citizens or households for the purpose of purchasing consumer goods.
In Belarus, consumer loans are issued by OJSC Belinvestbank. With their help, every citizen can purchase the necessary things for their needs. The consumer loan is issued for a period of five years, maximum amount it is thirty million Belarusian rubles. head office "Belinvestbank" is located in the city of Minsk.
The client is given the opportunity to choose a classic type of loan or a revolving line of credit. A floating loan is attached to a consumer loan. interest rate, which interacts with the refinancing rate of the National Bank of the Republic of Belarus. For more favorable conditions the borrower has this rate reduced by 2%, provided that he simultaneously chooses life and disability insurance.
Citizens also have the opportunity to obtain a consumer loan to pay for education. Cash loans can be obtained for the entire period of study and for an additional five years. To obtain this type of loan, a guarantee is required.
If the borrower has already repaid at least two loans in "Belinvestbank" then he will not need to take a guarantee for next loan, otherwise it is required.
OJSC Belinvestbank has great experience working with clients in the field of consumer loans. Our specialists have extensive experience in the field of lending and are highly qualified to help clients choose the most suitable advantageous view loan, will tell you about the requirements and conditions for the loan, and will also help you document everything.
Consumer loans "Belinvestbank" issues to adult individuals who are citizens of the Republic of Belarus, or foreign citizens(non-residents, but permanently residing in the territory of the Republic of Belarus) who are registered at the place of residence or stay in the Republic of Belarus and have an officially confirmed stable income in the country of receipt.
Based on an assessment of the borrower's creditworthiness and his needs, the loan amount is determined. To assess creditworthiness individual entrepreneurs who wish to take out a consumer loan, no more than 50% of net profit. For non-working pensioners no more than 10% of the pension is taken into account.
If the borrower has a negative credit history (overdue debt, outstanding loans etc.), the bank has the right to refuse to issue a loan.
Consumer loans "Belinvestbank" are issued to individuals only in Belarusian rubles.
According to the terms of the loan agreement, execution various types credit obligations provided:
- - the ability of the creditor to dispose of property and property rights borrower;
- — guarantee;
- — guarantee;
- — other options provided for by law in the Republic of Belarus.
The borrower must fulfill its obligations under loan agreement using the above methods (one or more).
Program consumer lending "Belinvestbank" provides the possibility of withdrawing a cash loan by transferring it to a bank card.
Program conditions:
- — loan term from 6 months to 7 years;
- — the loan rate varies from 34 to 41 percent, depending on the loan term.
Sum credit loan individually.
Belinvestbank individually selects possible ways ensuring loan repayment in each specific case, taking into account the specifics of its credit policy.
CONDITIONS FOR PROVIDING A LOAN FOR CONSUMER NEEDS OF BELINVESTBANK
| Loan term | Loan name | Delivery method | Maximum loan amount | Type of provision | Method of provision | Interest rate |
| 6 months | On consumer needs | One-time issue | Surety | 34% | ||
| 1 year | For consumer needs | Cash withdrawal cash | Calculated based on the applicant’s solvency | One-time issue | Surety | 36% |
| 4 years | For consumer needs | Cash withdrawal | One-time issue | Surety | 40% | |
| 5 years | For consumer needs | Cash withdrawal | Calculated based on the applicant’s solvency (up to 50 million Belarusian rubles) | One-time issue | Surety | 41% |
| 2 years | For consumer needs | Calculated based on the applicant’s solvency | Guarantee, penalty | 38% | ||
| 3 years | For consumer needs | Using a bank payment card | Calculated based on the applicant’s solvency | Non-revolving line of credit | Guarantee, penalty | 40% |
| 4 years | For consumer needs | Using a bank payment card | Calculated based on the applicant’s solvency (up to 50 million Belarusian rubles) | Non-revolving line of credit | Guarantee, penalty | 40% |
| 5 years | For consumer needs | Using a bank payment card | Calculated based on the applicant’s solvency (up to 50 million Belarusian rubles) | Non-revolving line of credit | Guarantee, penalty | 41% |
| 4 years | For consumer needs | Calculated based on the applicant’s solvency (up to 50 million Belarusian rubles) | One-time issue | Penalty | 40% | |
| 5 years | For consumer needs | Non-cash transfer of funds | Calculated based on the applicant’s solvency (up to 50 million Belarusian rubles) | One-time issue | Penalty | 41% |
| 5 years | For consumer needs | Non-cash transfer of funds | Calculated based on the applicant’s solvency | One-time issue | Guarantee, penalty | 39% |
| 5 years | For consumer needs (with simultaneous insurance against accidents and illnesses) | Cash withdrawal | Calculated based on the applicant’s solvency (up to 50 million Belarusian rubles) | One-time issue | Penalty | 39% |
| 7 years | For consumer needs | Non-cash transfer of funds in payment for goods (work, services) of domestic production on the basis of a payment document submitted by the borrower | Calculated based on the applicant’s solvency | One-time issue | Guarantee, security deposit, penalty | 36% |
Belinvestbank is a financial structure whose services are in great demand among citizens of Belarus. Such popularity is more than justified, because this institution includes huge amount special offers and loan programs developed for almost all segments of the population, from students to military personnel and retirees.
At Belinvestbank you can get a cash loan for a purchase necessary goods, and for the purchase of real estate or a car, which allows clients to change their lives for the better, and on very favorable terms.
In this context, it is very difficult to single out any specific lending program, much less call it, for example, the most profitable. This is impossible, since each tariff was developed for certain purposes and for certain citizens with a certain income level.
In other words, everything is connected, the credit department of Belinvestbank, when creating tariffs, took into account all the needs of the population, relied on statistical data and social surveys, took into account the current economic situation in the country.
For clarity, the most used tariffs by clients will be published for the attention of readers, within which they can take out a loan from Belinvestbank. This financial structure has 11 lending programs, but now the conditions for using only 3 tariffs will be announced:
Within this tariff you can get monetary debt both in cash and by transferring borrowed funds to a card or current account. Any person who has Belarusian citizenship or a residence permit on the territory of the Republic can act as a borrower:
- annual interest rate:
- when receiving a cash loan – 16.4%;
- when receiving a loan to a bank account (card) – 15.2%.
- term of use of credit funds:
- from 2 years;
- up to 5 years.
- size consumer loan– the loan amount is not indicated, it directly depends on the borrower’s income level, his credit history and whether he has collateral for the loan.
Tariff "Officer"
Employees of the law enforcement agencies of the Republic of Belarus can receive an “Officer” loan from Belinvestbank, they can be both active officers (military personnel) and former employees, they are also the so-called military pensioners:
- interest rate – 15.8% per year;
- lending period – up to 5 years;
- Maximum amount of consumer loan in cash:
- 20 thousand Belarusian rubles – for current employees of law enforcement and security agencies;
- 10 thousand Belarusian rubles – for pensioners who previously worked in law enforcement agencies.
Quite often, unforeseen life situations arise that require citizens to urgently cash investment. It is in such cases that this tariff is more useful than ever, because the process of registering it, including signing and issuing cash, will not take more than 60 minutes:
- annual interest rate – 27%;
- the period after which the monetary debt will need to be repaid is 1 year, no more;
- The maximum size of a consumer loan is 10 thousand Belarusian rubles.
Requirements and documents
It’s not easy to get a loan from Belinvestbank, just like in any other financial institution. So, in order for a consumer loan to be issued, each potential applicant for borrowed funds will have to meet certain lender requirements:
- age – from 18 years;
- citizenship - the Republic of Belarus (non-residents can also get a loan, for which it is enough to have a residence permit);
- absence of delays on previously received loans for the last two years (the lender will verify the information by submitting a request to automated system Credit Bureau);
- employment – mandatory presence of a stable official income(an alternative is collateral or guarantors).
Regarding package necessary documents, then this must also be collected and provided to the employee working with individuals upon request in full:
It is noted that, if necessary, a representative financial structure may request an additional list of papers, which should not be surprising.
To purchase their own living space, it is easier for a citizen with an average income to use the services of credit institutions.
At Belinvestbank, a loan for the purchase of housing is available under several programs, including preferential ones for people on the waiting list for improvements living conditions.
To purchase an apartment or house, Belinvestbank clients can take advantage of several targeted offers:
This program allows clients to obtain a cash loan for the purchase or construction of residential and other real estate under the following conditions:
- Amount – up to 90% of estimated value housing (within the borrower's creditworthiness).
- Duration – up to 20 years.
- The rate is 14.9%.
- Down payment – from 10%.
The application is reviewed by the bank within 10 working days. According to the terms of the loan agreement, it is allowed early repayment debt without paying a fine.
2. Apartments from a partner
This offer is for clients who are ready to purchase real estate directly through a developer cooperating with Belinvestbank. In this case, the terms of the loan depend on the choice of the partner, as well as on the desired amount and term of the loan. All provisions of the agreement are developed individually for each borrower.
You can view the list of companies on the bank’s official website in the section with the selected lending program. It also specifies the conditions under which the bank issues a loan in cooperation with a specific organization. Today, the choice of developers is limited to Minsk, Minsk and Mogilev regions.
This program is designed specifically for participants state program to improve living conditions. Loans for clients in the queue are issued on the following terms:
- Amount – from 500 rubles to 100% of the cost of building a house (within the borrower’s creditworthiness).
- Duration – up to 20 years.
- Rate – 13%.
- Security – pledge, surety of individuals.
The application is reviewed within 3 working days.
As a guarantee for the bank, clients are invited to attract guarantors before the facility is put into operation. Only after all the documents for the house are completed, it is transferred as collateral to the lender until the obligations under the contract are fulfilled.
Requirements for the borrower
Belinvestbank puts forward standard requirements for its clients. The organization is ready to cooperate with capable citizens of the Republic of Belarus who, at the time of filling out the application, have a common work experience from 1 year and work experience at the current place of work for at least 6 months.
Required documents
Belinvestbank issues loans for the purchase of housing in 2018 upon presentation of the following documents:
The list is supplemented with documents at the request of the bank, for example, the following may be requested:
- information about the housing that is planned to be purchased with borrowed funds;
- documents for land plot for the construction of a house and other real estate;
- confirmation of participation in the program to improve housing conditions;
- consent of the spouse to transfer real estate as collateral and others.
The final list of required documentation will be provided to the client in structural unit bank where the loan agreement will be concluded.
To receive detailed advice on Belinvestbank products, you can fill out an online loan application on the official website of the institution. During the working day, the manager will call you back and answer all your questions or invite you to the nearest branch to fill out a detailed application form for a loan.
Alternative options
Other banks
In addition, the borrower can obtain a mortgage from another financial institution. Let's consider the main options and proposals.
Methods of obtaining:
Mortgage from Tinkoff Bank
up to 25 years term
from 6% to 14.5% per year interest rate
up to 100,000,000 rubles loan amount
from 10% to 40% down payment
15 minutes application review time Go
Methods of obtaining:
Selection mortgage loan via Beregu.Ru
up to 25 years term
from add per year interest rate
up to 20,000,000 rubles loan amount
from 0% to 80% down payment
15 minutes application review time Go
MFO
In addition, the borrower can apply for a loan from a microfinance organization, where funds can only be obtained by providing documents confirming the client’s identity. Getting a loan from such an organization is quite easy; sometimes you don’t even need to provide collateral.
Methods of obtaining:
3-336 days period
up to 98,000 rubles 1st loan
up to 98,000 rubles re-loan
from 0.16% to 2.1% per day rate for new clients
4 minutes application review time Go
Methods of obtaining:
1-30 days period
up to 10,000 rubles 1st loan
up to 15,000 rubles re-loan
2.24% per day rate for new clients
15 minutes application review time Go
Methods of obtaining:
7-21 days period
up to 30,000 rubles 1st loan
up to 30,000 rubles re-loan
from 0% to 2.1% per day rate for new clients
10 minutes application review time Go
General conditions
Loans for consumer needs from VTB Bank are - credit lines, in the amount of up to 5,000 rubles, which can be issued without a certificate of income and a guarantee.
Loan calculator
In addition, the calculator will help you determine the amount you can save on interest if you are prepared to keep your 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 location (branch) for processing all the necessary documents.
Documents for obtaining a loan
- Passport or residence permit;
- Certificate of income (for loan amount over 3,000 rubles).
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.
- Work experience. Confirmed by information about the employer (name of the organization and telephone number of the accounting department or a certificate of income if the loan amount exceeds 3,000 rubles.
Loan repayment
- Through a cash desk at a bank branch
- Using the Internet and mobile banking
- Using Internet banking and mobile banking of other banks, if they are connected to ERIP
- Through ATMs and information kiosks of other Belarusian banks connected to the ERIP system.