Maximum age for obtaining a loan from Belarusbank. Belarusbank loans. Documents required by the Bank

OJSC "ASB Belarusbank" is the largest bank in Belarus, currently offering a whole range of financial services for individuals and legal entities. With its help you can. Taking out a loan in Russia is as easy as taking out a loan for consumer needs from Belarusbank. But first you need to decide for what purpose you will need the loan.

Advice: some microfinance organizations, such as, give loans even to those with a bad credit history. Belarusbank issues loans to borrowers of any reputation. The only differences are in determining the interest rate.

Loan programs from Belarusbank

As soon as you open the Belarusbank website, you can stumble upon an offer for loans for any consumer needs. Loans are offered with minimal requirements and packages of documents, on very favorable terms.

Credit "Time Tested"

Issued to persons with both a positive credit history and those with a less than good one. The only difference is in the interest rates, which are set individually. The monthly principal payment is 5% of the outstanding balance. The loan size is also set individually, based on the solvency of the potential borrower. An international credit card is provided with the loan.

The requirements for borrowers are quite simple: the loan is issued to bank salary card holders who have not reached 57 years of age and have at least 3 months of work experience.

Documents:

• Passport and copy of passport;
• Certificate of income;

The application can be submitted directly at a bank branch, information kiosk, on the Belarusbank website, or by calling the contact center number.

Consumer loan

You can apply for a consumer loan from Belarusbank yourself directly on the website, as well as at a branch, information kiosk or by calling the contact center number.

The maximum loan size is 8 thousand Belarusian rubles, and the actual amount depends on the client’s solvency. A loan for a period of up to 1 year is issued at 24%, and for a period of up to 5 years - at 26-27% per annum.

Requirements for borrowers: permanent registration and permanent income in the territory of the Republic of Belarus.

Documentation:

• Passport and copy of passport;
• Certificate of income;
• Consent to provide 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 the official dealer of Avtotorgservis OJSC.

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 options, but in addition to the package of documents, a car purchase and sale agreement is attached.

Loan for the purchase of goods from retail chains

Provided for a period of up to 18 months at an interest rate of 24% per annum. With its help you can pay for goods and services on the Internet. The requirements for the borrower and the package of documents (plus an invoice) are standard.

Credit "Serious plans"

Provided within 200 basic units, taking into account the borrower’s income. The application can be submitted online. Term - up to 3 years secured by property or with guarantors. The interest rate is 24% per annum.

The package of documents is standard (as for a consumer loan). The requirements are also standard.

Credit "Time to Live"

It is 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 pledge of movable and immovable property. The interest rate is set individually.

The requirements for the borrower are standard, but guarantors can be both persons with Belarusian citizenship and foreign citizens living in the territory of the Republic of Belarus and receiving a permanent income.

The standard package of documents includes 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.

Loan “Optimal Partner”

Issued without guarantors and certificates under standard requirements. The interest rate, as well as the loan amount (no more than 200 basic units), is set depending on the borrower’s income.

Required documents:

• Original and copy of passport;
• Certificate of income;
• Invoice indicating the manufacturer.

Credit "Confident Start"

“Confident Start” can answer the question “” and is issued for a period of up to 2 years at an interest rate of 18% to 20% per annum, depending on the borrower’s solvency. The amount is no more than 50 basic units, guaranteed by a close relative.

Such a loan can be obtained by legally capable persons under the age of 31 at the time of applying for the loan; permanent registration and permanent income in the territory of the Republic of Belarus are required.

Documents:

• Passport and its copy;
• Certificate of income for the last 6 months (including scholarships);
• Record book and its copy.

Student loan

A loan for training at Belarusbank is issued taking into account the annual cost of training 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. Property collateral and surety are required.

Requirements for the borrower: the borrower must be a capable citizen of Belarus with permanent registration and a regular income.

Documents:

• Passport and its copy;
• Certificate of income;
• A copy of the training agreement;
• A document confirming the education received (certificate or diploma);
• Registration of a guarantee.

Advice:? Perhaps you should choose a loan for a specific purpose. Belarusbank offers a whole range of special lending programs for any consumer purpose. Therefore, before applying, you should think about whether your goal matches the loan program and choose the option that suits you best.

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Belarusbank is a Belarusian bank that provides loans with any credit history for any amounts and consumer purposes. The bank's requirements are the most loyal, 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 affiliate programs that allow them to receive discounts and bonuses.

General conditions

Loans for consumer needs from Belarusbank are a loan (credit line), the amount of which depends on your solvency, issued under the guarantee of individuals.

Loan calculator

In addition, the calculator will help you determine the amount you will 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.
• Guarantor's documents (passport and income certificate)

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 on the income certificate.

Loan repayment

• Through a cash desk at a bank branch
• Using Internet banking and mobile banking of Belarusbank
• 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.

OJSC Belarusbank is a state bank of the Republic of Belarus. The company is active not only with legal entities, being a systemically important financial institution, but is also widespread in the retail market. This organization offers a full range of banking services, but in this article we will talk about what loans Belarusbank provides.

About the bank

Before deciding which bank to take out a loan from, you should study the reliability of the company. Belarusbank is the largest organization in the republic. The degree of representation of this bank is comparable to Sberbank in Russia. True, unlike its Russian counterpart, the Belarusian neighbor is almost entirely state-owned, since more than 98% of the shares belong to the Republic of Belarus, while the shareholder of Sberbank (50% plus one share) is the Central Bank, independent of the state.

Belarusbank dates back to 1922. The company lends to more than 90 thousand legal entities and private entrepreneurs, including the largest industrial companies. The organization’s activities are also aimed at the international arena. The bank has representative offices in Russia, China, Germany, as well as a wide network of partners and investment projects around the world.

The peculiarity of Belarusbank consumer loans is that the offer directly depends on the refinancing rate. In the Russian market, standard supply and demand relations operate as a regulator.

The interest rate on loans from this bank depends on the current refinancing rate and the loan term. In this case, the rate is floating. This means that if the bank changes the refinancing rate during the course of consumer lending, then it automatically changes in the agreement. Let's consider the current offers of consumer loans from this bank.

At the time of writing, the refinancing rate in force in the Republic of Belarus, adopted in October 2017, was 11%. The maximum amount is determined individually and depends directly on the borrower’s solvency. At the same time, the banking company does not set a certain limit.

Only the client's solvency is limited. It is believed that the borrower’s confirmed income should not exceed 15 basic units. Thus, the company avoids clear formulation of the maximum loan amount expressed in specific figures.

Both citizens of Belarus and foreigners, and even stateless persons can apply for a loan at Belarusbank. The main requirement for potential clients of a banking organization is that the potential borrower has a permanent place of residence in the republic. You also need income, which is generated in Belarus. It is possible to obtain a loan for consumer needs without guarantors.

Required documents

To get a cash loan from this banking institution, you will need to prepare a set of documents from the following list:

• passport. Banking specialists will need a copy, but they should also have the original with them;
• if a guarantor is provided for a consumer cash loan, then a copy of the passport will also be required, but the original will also be required for presentation;
• application for permission to check the credit history for all parties to the agreement. Such an application is created both in the bank department and independently in the National Belarusian Bank;
• application for reconciliation of personal data of potential loan participants in Belarusbank;
• income certificate. The document can be requested directly from a banking institution to be completed at your place of work.

Obtaining a loan from Belarusbank is possible without certificates or guarantors. It is necessary to confirm your income if, in the opinion of the bank, the requested amount exceeds the borrower’s solvency.

For pensioners receiving a pension into an account in Belarusbank, as well as receiving a salary on a card from this bank, providing income certificates is also not necessary. It will be enough for a bank specialist to generate an account statement for the last three months.

If a consumer loan is issued by an individual entrepreneur, then he needs to prepare additional documentation. This package of information will include:

• certificate of state registration as an entrepreneur. As well as providing a license if necessary. What is needed is the originals;
• documents confirming monthly income;
• statement of cash flows in a current account in a banking organization for the last three months. It may not be provided if the activity is carried out without opening an account;
• tax payment documentation;
• Also, specialists from the banking department for registering credit transactions may request additional financial documents that confirm the solvency of the potential borrower in order to determine the degree of risk of such a transaction and the possibility of lending.

Loans for consumer needs can be obtained in several ways:

• contact a bank branch with documents;
• submit an application through the banking organization’s website online;
• call the hotline.

Specialists will check the credit history and provided documentation and contact the client within three business days. After which you will need to go to the bank branch with the original documents to complete the transaction and receive funds. If a guarantee is issued, then it is necessary that the guarantor leave his signature on the agreement, and his original documents must also be provided.

It is possible to submit an application electronically and receive a response – also remotely by mobile phone or email. From the date of the positive decision, you can withdraw the money within 30 days. If funding is not provided within this period, you will need to resubmit your application.

To submit an application remotely, you must select “Consumer lending” in the “Loans” section. Then click on the “Loan Application” menu. A link titled “Loan Application” will appear at the bottom of the page.

Before submitting an application, you should decide on the type of loan. Standard offers differ only in the term and interest rate; there are also special options, which we will discuss later. After selecting the name of the program, the system will show the term and interest rate.

Next, you will need to fill in information about possible income and expenses. At this stage, we recommend providing reliable information, since if experts believe that the borrower is deliberately entering incorrect data or trying to hide any information, then most likely a negative decision will be made about the possibility of lending.

After this, the system will calculate the maximum available amount and also offer an option for the size of the monthly payment. It will be divided into payments on the loan body and interest on the loan agreement.

Next, you will need to fill out contact and personal information: information on place of residence and registration, passport details, family composition and others. Thus, the application will be generated and submitted for processing. After 3 business days, you can expect feedback from the company with a positive decision.

With the help of the refinancing program, you can pay off your current debt by drawing up an agreement with Belarusbank. The company will make payments by closing the agreement, and the debt will be issued to Belarusbank on new, more favorable terms for the borrower. In this way, you can repay both loans from this bank and agreements that were executed in other financial institutions of the Republic of Belarus.

Interest under the agreement is also set as floating and depends on the refinancing rate. The maximum loan duration reaches 10 years in the case of mortgage lending and up to 7 years under consumer loan agreements. And the rate in both cases is equal to the refinancing rate from the National Bank + 3%.

In addition to the standard requirements, the banking organization puts forward additional conditions for refinancing:

• the agreement that is the object of refinancing must be executed in the name of the same individual;
• There is no current overdue debt on the loan. During the course of payments, there were no more than two delays lasting 8 days or more;
• more than two months have passed since the date of financing the loan;
• According to the actual repayment schedule, at least three months remain until the end of the loan term.

Additional documents

In addition to the basic certificates, the bank will need to provide a certificate from the current lender, which contains the following information:

• Full name (for whom the contract is drawn up);
• amount of current debt;
• information about the presence or absence of a current delay;
• details of the company where you need to transfer money to close the contract;
• an account statement showing information about funds being credited.

Bank certificates can only be valid for 15 days from the date of their generation.

The main difference between this service is that Belarusbank can issue a card even to those borrowers who do not have a good credit history and are often refused a loan.

The card is issued for three years with subsequent automatic reissue. At the same time, the credit limit is renewed. This means that if you deposit money into your account, you can continue to use the credit funds again. Credit card terms:

• the maximum available amount is determined individually;
• the interest rate is floating, equal to the refinancing rate + 3% for clients with a bad credit history, + 2% for borrowers with a good credit history;
• the monthly payment amount is 5% of the current debt amount at the end of the billing period;
• commission for cash withdrawals at the cash desks of third-party banking companies is 3% with a minimum of 6.50 rubles;
• through ATMs of third-party banks 2% with a minimum of 3 rubles.

Moreover, when withdrawing, a commission may also be assigned directly to the bank through which the operation is performed. How does Belarusbank distinguish between good and bad credit history?

A banking organization considers the history good if the client has not had more than two delays over the past 5 years. In this case, credit agreements with a duration of at least one year are taken into account.

There are age restrictions. The banking institution is ready to cooperate with potential clients whose age is less than 57 years. In addition, the company is not ready to invite third-party borrowers. Credit cards are issued only to those persons who have a current bank account into which funds are received on an ongoing basis.

This could be a salary project from the employer or an account to which the employer transfers money or a pension is credited. The main thing is that the earnings are of an official nature and can be documented.

You can also submit an application online, and standard documents will be required, as in the case of regular consumer lending.

Belarusbank offers a loan agreement option with minimal interest, as well as installment terms.

Internet "Cashless"

The maximum loan duration is up to 1 year. Money can be transferred to a Belarusbank bank account. The loan amount cannot exceed 5,000 rubles. The interest rate is equal to the refinancing rate. At the same time, during the course of the agreement, the rate remains the same, unless the agreement provides for conditions for changing interest in accordance with the change in the refinancing rate.

Another option involves an interest-free loan. The maximum amount also does not exceed 5,000 rubles. The rate is 0.01%. There are contract options from 4 to 12 months. Thus, it is not possible to receive cash, but you can finance the purchase and sale transaction, i.e., receive the goods in installments.

This way, the organization will receive financing from a banking institution, and the client will have a debt to the banking company, but on an installment plan.

Who can use the service

To receive such advantageous offers, you must have a bank card that has received wages or other deposits in a stable form for at least the last three months.

A car loan at Belarusbank can be applied for both a new car and a used one. In this case, the age of the car should not exceed 3 years. Cars can be purchased both from dealers and from individuals. You can trade-in your current car for a new vehicle.

Terms of the agreement

• The maximum period cannot exceed 7 years.
• The interest rate in the first six months is 13%, then it becomes floating and depends on the current refinancing rate + 2%.
• There is no need to make a down payment.
• There is no need to take out comprehensive insurance.
• Lending is provided only with a guarantor.
• The maximum amount will be determined individually.
• Financing is carried out by transferring money to the seller's account.
• There is an option to defer payment for 6 months.

Borrowers can be both citizens of the republic and foreigners or stateless persons, but registered in the country, with official work and income. The following may not confirm their solvency:

• clients purchasing a Gleely car from our partner Avtotorgservis;
• borrowers who have a salary project or pension at Belarusbank.

Documentation

In addition to the standard package, you should prepare a document that confirms the purchase and sale of a vehicle with an individual or legal entity. Other certificates are relevant, as in the case of applying for a regular consumer loan.

This is a loan aimed at financing people receiving full-time education at school or university. The bank can pay the cost of annual training by transferring money to the account of the educational institution.

The interest rate directly correlates with the refinancing rate. At the time of study, only interest on the loan is paid. From the moment of completion of training, the loan is repaid in full, while:

• within three years in case of graduation from a secondary educational institution;
• for five years in the case of a higher academic institution.

The banking company does not put forward any additional requirements. It is worth noting that there are specific references:

• agreement on paid training;
• a document that will reflect the form of training and terms;
• current educational certificates (certificates, diplomas, etc.).

You will need to confirm your status as a student or apprentice annually.

Belarusbank did not bypass this social segment of the population either. Pensioners of any age can become participants in this type of loan. Funds are issued to a bank card, the interest rate is set as follows:

• 1st year in the amount of the refinancing rate;
• subsequently, 1% is added to the floating rate until the end of the term.

When applying for a special offer on “Velvet” debit bank cards, interest is distributed as follows:

• 1st year in the amount of the refinancing rate, but minus 3%;
• in the future – refinancing minus 2%.

Clients can only be those persons who have the right to receive a pension, but guarantors can be people regardless of citizenship. An additional document is a pension certificate of a citizen of the Republic of Belarus.

Thus, the Belarusian bank provides a full range of loan offers, focusing on all social segments of the population. Taking into account the specifics of the economy, the banking institution links its products to the rate offered by the country’s national bank.

Recently, Belarusbank has been providing the opportunity to obtain certain types of loans for consumer needs without income certificates. Svetlana Filipchuk, Deputy Director of the Personal Lending Department of JSC ASB Belarusbank, spoke in more detail about the registration procedure and benefits for clients, as well as about the wide range of loan products.

-Who can take advantage of such an obvious advantage?

— Everyone, while previously only clients of Belarusbank, whose accounts were credited with wages and other income, could apply for a loan without a certificate of income.

In Belarusbank partner stores, it is possible to obtain any loan amount within the limits of the client’s monthly income and the cost of the goods, including on installment terms. To purchase goods, you just need to present an identification document and an invoice.

— What if the store is not a partner of the bank?

— For other loans for consumer needs, with the exception of loans with insurance against the risk of non-repayment, the maximum amount without income certificates is determined based on the average monthly net income not exceeding 15 basic units, which currently amounts to 345 rubles. I would like to note that our bank offers a wide range of loan products.

— Do you have to come to the bank to apply for a loan?

— Today, to apply for a loan, it is not at all necessary to go to a bank office. It’s easier to apply for a loan online using remote banking channels. Moreover, there is also a choice here - the bank’s corporate website, Contact Center, M-banking, Internet banking, bank information kiosks. By expanding our services, we act in the interests of the client. You know, Belarusbank positions itself as a nearby bank. Considering the development of IT, this is not only a territorial component, but also a technological one - the bank is in your phone or tablet, and, therefore, in your jacket pocket or handbag.

— For what purposes can you take out a loan?

— Today you can get a loan from Belarusbank for any purpose.

Moreover, our loans are affordable, simple, without hidden fees. The client can repay them monthly, taking into account his usual expenses.

— What loan products are in greatest demand?

— Perhaps, loans for consumer needs, which are issued very simply, do not require guarantors or proof of income.

— Are age interests taken into account?

— Yes, we have loans for various age categories. For example, loans for young families. Within 30 days from the date of conclusion of the loan agreement, the loan rate is reduced by 2 times, i.e. During this period of time, the client uses a loan at 7% per annum.

A loan "Time to Live" is aimed at citizens who are eligible to receive a pension. For this loan, the interest rate in the first year of use has been reduced to the level of the National Bank's refinancing rate. Moreover, if credit is provided to participants club "Velvet", then the rate is reduced by another three percentage points.

"Instalments without overpayments" is intended for the purchase of goods in trade organizations, and the loan "Successful update" provided for refinancing loans from other banks. At the same time, when calculating the loan amount, payments on refinanced loans are not taken into account, and it can be issued against a penalty, that is, without guarantees.

— Why is a loan interesting? " Belarusbank"to buy a car?

— Credit to purchase a car is provided for a period of up to 7 years. The rate on this loan for the first 6 months is 13% per annum, subsequently - the refinancing rate of the National Bank plus two percentage points.

The loan is issued without a down payment and CASCO. It is possible to defer the payment of the loan principal for six months.

— A few years ago, a bank offered a loan to pay for in vitro fertilization? Is there demand?

— Over all this time, more than 2,000 women have used it. Preferential loan.

Provided loan for IVF for a period of up to 5 years with interest payment in the amount of 50% of the National Bank refinancing rate. Moreover, if the IVF procedure was successful and a child was born, the parents receive a deferment in repaying the loan debt for the period of receiving child care benefits with an extension of the loan repayment period.

- And finally, about the most significant loans - for the purchase of housing. What changes have these tools for solving the housing problem undergone?

— The conditions for providing such loans have become even more attractive. Firstly, the loan term has been increased to 20 years, and secondly, the interest rate in the first two years from the date of conclusion of the loan agreement has been reduced to the refinancing rate of the National Bank. Then three percentage points will be added to it, but given that the rate is falling, there is no need to talk about obvious benefits.

Let me remind you that the bank has retained the function of providing preferential loans for the construction, reconstruction and purchase of housing as part of the implementation of government programs.

If you are interested in details, details about lending conditions can be found by contacting any Belarusbank branch or by calling the single reference number 147.

Almost all banks consider consumer loans to be the most popular type of lending. They come to the aid of every person when purchasing any item, during repairs, or if necessary, to exchange a wardrobe. At the same time, you don’t need to wait a long time, putting aside a certain amount from each salary, you can take consumer loan at Belarusbank and spend the borrowed money on personal needs. Borrowed funds from this financial institution will help solve many current problems. Borrowing money from this bank has some advantages:

A person who receives wages on a Belarusbank payment card does not need to prove his solvency and submit a certificate of income;

You can pay the monthly fee at bank branches, through M-banking or the Internet.

Belarusbank issues money for consumer needs non-cash to the borrower's payment card. As in other financial institutions, the borrower must repay the borrowed money within the terms specified in the contract according to the actual use of the borrowed funds.

Conditions for issuing a consumer loan at Belarusbank

How much a borrower will receive a consumer loan from Belarusbank depends only on his solvency and is considered by the bank individually in each specific case. If a person needs to borrow a fairly large amount, then the financial organization in almost all cases requires a guarantee from other individuals or security with liquid property, movable or immovable.

Belarusbank sets the payment rate depending on the loan term. If the loan is taken for more than five years, the loan rate increases by 1%. In addition, the size of the rate in this financial institution is also influenced by the borrower’s place of residence. If a person lives in a locality where the population does not exceed 20 thousand people, then the interest rate on the loan, regardless of the borrowing period, will be one percentage point lower than for residents of megacities. The bank does not change the established interest rate throughout the entire loan term, even if the organization changes it, this will not affect already concluded agreements.

Requirements for a borrower to obtain a consumer loan from Belarusbank

The financial institution does not impose strict requirements on its borrowers. Today, not only Russian citizens, but also foreigners and even stateless persons can receive a consumer loan from Belarusbank, but they must permanently reside in the Russian Federation and have a permanent income.

When applying for a loan, a potential borrower must provide a certain package of documents. It is necessary to submit not only the original passports of the borrower and guarantor, but also their copies. In addition, to confirm his solvency, a person must provide a certificate of his monthly income and what deductions he had over the last three months.

Both the recipient of the loan and his guarantor must give written consent that a report will be submitted for this loan to the Credit Register of Belarusbank. At the borrower’s request, borrowed funds can be transferred to his payment card or to the account of another individual; they can be used to pay for services and goods or to withdraw cash.

• Applying for a consumer loan at Belarusbank via the Internet

  Currently, consumer loans at Belarusbank can be obtained via the Internet. Based on electronic applications, this financial organization issues loans, the amount of which does not exceed 200 basic units. Filling out an online application is as convenient as possible; you do not need to visit a bank branch, and the application itself can be completed directly at home. The borrower must enter his personal data and data on his own creditworthiness. But to receive the money, you still have to wait for a positive response from the financial organization, and it remains to be seen whether it will be received. We know all the methods that will have an impact on issuing a positive answer. You just need to fill out an application on our website, and we will use all our experience to ensure that the response from Belarusbank is positive. By contacting us, you increase your chance of being approved for borrowed money. There is no need to take risks, we will do the most important part of the work for you, and all you have to do is wait for a call from the bank informing you of a positive response. After this, all you have to do is visit a branch of this financial institution and, after checking the documents with the online application data, receive loan funds and use them for your needs.