Loans in a belarusbank for consumer needs conditions. How to get a consumer loan in Belarusbank? Optimal Partner loan
It will help you decide on the choice of the right loan product, calculate the basic parameters of the loan and build a schedule for upcoming payments.
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Loan calculator Belarusbank for young professionals
The bank is located and operates in the territory of the Republic of Belarus and issues loans in belarusian rubles.
"Belarusbank" provides such types of credit programs as: consumer loans, loans for the construction and repair of real estate, soft loans for home renovation, loans for studies, including soft loans, loans to young professionals, loans for the improvement of burial sites, loans "Health "And" Agrotourist ".
The size of a loan 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 others individuals, to pay for goods and services, and, of course, in cash. The interest rate on the loan depends on the period for which you take out the loan, as well as on the place of your actual residence. So, if you take a loan for 1 year - interest rate it will be 35% per annum, and for rural residents - 34%. The loan amount cannot exceed 200 base units.
The maximum term for a consumer loan is up to 5 years, in this case annual rate percent is equal to 40% per annum. For citizens who live in settlements with a total population of up to 20 thousand people, a privilege is provided - instead of 40% - 38% per annum.
To start the calculation, fill in the form below and click the "Calculate" button.
Belarusbank consumer loan calculator
Consumer loans are considered the most popular type of lending in almost all banks. They come to the aid of every person when buying a thing, during repairs or, if necessary, to exchange wardrobe. At the same time, you do not need to wait for a long time, setting aside a certain amount from each salary, you can take consumer credit in Belarusbank and spend borrowed money for personal needs. Borrowed funds in this financial institution help solve many current problems. Borrowing money from this bank has some advantages:
To a person who receives wages for payment card Belarusbank, you do not need to prove your solvency and submit a certificate of income;
You can pay a monthly fee at bank branches, through M-banking or the Internet.
Belarusbank issues money for consumer needs in a non-cash way to the borrower's payment card. As in other financial institutions, the borrower must pay the borrowed money within the terms specified in the contract as it is actually used borrowed money.
Conditions for issuing a consumer loan in Belarusbank
How much the borrower will receive a consumer loan in 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 a financial organization in almost all cases requires guarantees from other individuals or the provision of liquid property, movable or immovable.
The size of the payment rate is set by Belarusbank depending on the loan term. If a loan is taken for more than five years, then the loan rate increases by 1%. In addition, the borrower's place of residence also affects the rate in this financial institution. If a person lives in a settlement in which the population does not exceed 20 thousand people, then the interest rate on a loan, regardless of the borrowing period, will be one percentage point lower than that of residents of megalopolises. The bank does not change the established interest rate throughout the entire lending period, even if the organization changes it, this will not affect the already concluded agreements.
Requirements for a borrower to obtain a consumer loan in Belarusbank
The financial institution does not impose strict requirements on its borrowers. Today, a consumer loan in Belarusbank can be obtained not only by Russian citizens, but also by foreigners and even stateless persons, but at the same time they must permanently reside in the territory of the Russian Federation and have a constant income.
At the time of applying for a loan, a potential borrower must provide a certain package of documents. It is necessary to submit not only the originals of the borrower's and guarantor's passports, but also their copies. In addition, in order to confirm his solvency, a person must submit a certificate of his monthly income, what he had withholdings over the past three months.
Both the recipient of the loan and his guarantor must give written consent that a report will be submitted to the Credit Register of Belarusbank on this loan. At the request of the borrower, borrowed funds can be transferred to his payment card or to the account of another individual, you can spend them to pay for services and goods or to withdraw cash.
- Making a consumer loan in Belarusbank via the Internet
At the moment, consumer loans in Belarusbank can be issued via the Internet. This financial institution issues loans for electronic applications, the amount of which does not exceed 200 base units. Registration online applications as convenient as possible, for this you do not need to visit a bank branch, and the application itself can be made directly at home. The borrower must enter his personal data and information about his own creditworthiness. But to receive money, you still have to wait for a positive response from the financial institution, and it remains to be seen whether it will be received. We are aware of all the methods that will have an impact on the issuance of a positive answer. You only need to fill out an application on our website, and we will apply all our experience so that the response from Belarusbank is positive. By contacting us, you increase your own chance of approval in obtaining borrowed money. There is no need to risk, we will do the most responsible part of the work for you, and you will only have to wait for a call from the bank with a positive answer. After that, you will only have to visit the branch of this financial institution and, after checking the documents with the data of the online application, receive loan funds and use them for your needs.
JSC "ASB Belarusbank" is the largest on the territory of the Republic of Belarus. The bank sells more than 100 types of financial services, including consumer lending. Belarusbank's clients are about 70% of all borrowers in the country, and this is more than 800 thousand citizens.
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Lending terms
There are several types of consumer credit products in Belarusbank. There are options for the target direction, with support, social focus. At the same time, the lending conditions for all loan products are similar to each other.
Filing an application
In order to obtain a consumer loan, the Applicant has the opportunity to apply:
- in any of the branches of JSC "JSSB Belarusbank", which provides banking services;
- fill out an online application on the corporate website of Belarusbank;
- call the contact center on the special short number 147.
The application for a trade loan is made directly in trade organizations that cooperate with the Bank.
Documents required by the Bank
To approve a loan application and grant a loan, the Bank requires the following documents:
- Passports, as well as their copies of the borrower and loan guarantors (in the case of choosing a secured loan - surety of individuals).
- Application form for a loan.
- Certificates confirming the existence of income from the borrower, as well as from the guarantor (if attracted). Or an account statement for the last quarter, provided that the borrower receives a pension or salary through Belarusbank. The validity of certificates is limited to 30 days.
- Borrower's consent formalized with the National Bank of the Republic of Belarus to provide information about him, namely, a credit report from the Credit Register.
- The client's consent to receive and verify the creditor bank's personal data about him.
Additionally, depending on the purpose of lending, the Bank requires:
1. As part of a trade loan:
- invoice.
2. When applying for a loan for burial:
- death certificate;
- invoice.
3. The need for a loan for medical services, the borrower must confirm:
- a certificate from a medical institution stating that the applicant himself or his relative is registered with the dispensary;
- contract and (or) invoice for the provision of medical services with an indication of the cost of medicines and services provided.
4. For a loan for education:
- a copy and original of the contract on training a specialist in a higher or secondary specialized educational institution on a paid basis;
- help from educational institution, indicating the presence of the first higher or secondary specialized education.
The document must contain information on the form and timing of graduation.
Before applying for a loan, you should think about it. You will find detailed information on this type of lending on our website.
You want to take out a mortgage, but you do not have the funds to an initial fee? We will tell you.
Interest rates
The peculiarity of the current interest rates on consumer loans in Belarusbank is its linking to the refinancing rate of the National Bank of the Republic of Belarus.
Thus, the Bank sets the cost of a particular loan as a multiple of the NBRB's refinancing rate plus (or minus) a certain number of credit points.
The size of the interest rate under the concluded lending agreement remains unchanged throughout its duration, unless otherwise provided by the agreement itself.
The refinancing rate of the National Bank of the Republic of Belarus was last changed down in August 2019. As of November 2019, its value corresponds to 20% per annum.
Video: How to take out a loan correctly?
Types of consumer loans from Belarusbank
Consumer lending in Belarusbank is limited to 9 offers.
Requiring security in the form of surety, insurance of default, pledge:
- "Consumer loan" for any need. Provided by bank transfer or to a payment card;
- "For the purchase of a car", in fact, targeted car loans;
- "For training", provided for the purpose of obtaining higher and secondary specialized education. The money is transferred to the account of the educational institution;
- "", As well as the installation of monuments and fences;
- "For medical services" for citizens who are registered at the dispensary, in order to pay for medical care, purchase medical supplies and equipment.
- With security only in the form of forfeit:
- Time-tested is a non-earmarked loan designed for salary clients no older than 57 years old. Money is transferred to credit card international standard;
- “For the purchase of goods”, as the name suggests, a targeted consumer loan for the purchase of goods in trade organizations with which the Bank has concluded agreements;
- "Application for Santa Claus", a special offer for the New Year holiday, valid from November 24, 2019 to January 15, 2019. The loan is provided to a bank card.
Without security:
- "Installment plan without overpayments" is a loan intended for the purchase of goods in certain trade organizations. The loan is transferred to the current account of the trade organization.
Borrower requirements
The Bank's requirements for an applicant for a loan are the same for almost all loan products:
- citizen of the Republic of Belarus;
- foreign citizen;
- a stateless person;
- compulsory residence in the country;
- a permanent source of income in Belarus;
- branch and representative office employee legal entity, which is located abroad.
Loan processing
Regardless of the method of applying for a loan, in order to draw up a loan agreement, the borrower must visit the Bank's branch. Moreover, this makes it possible to count on the maximum loan amount.
Features of filing an application via the Internet
For borrowers who apply for in electronic format a loan of no more than 200 base units is available.
As of November 2019, this is within 30 million Belarusian rubles. rub. The process of filling out and sending an online application is as clear and simple as possible. It is enough to fill out the form offered on the website.
The Bank's decision is communicated to the applicant in the manner specified in the application. Refusal is possible in a situation where loan payments exceed the amount of the borrower's net income by more than 50%. In case of a positive decision, the client must personally appear at the bank with a package of necessary documents.
Interest rate
The size of the interest rate is set by the Board of the Bank in accordance with the type of loan, the terms of its provision and the term of use.
In most cases, its calculation is based on the refinancing rate of the National Bank of the Republic of Belarus (hereinafter the NBRB rate), which as of November 2019 is 20% per annum.
Loan product type |
The size and features of the interest rate |
|
Calculation in relation to the refinancing rate of the NBRB |
Absolute value as of November 2019,% |
|
"Time-tested" |
For citizens with a positive CI: 2-fold rate of the NBRB - 4.5 percentage points |
|
For all other borrowers: 2-fold rate of the NBRB - 3.5% |
||
Consumer loan |
For a loan for up to 1 year: 2-fold rate of the NBRB at the time of the conclusion of the agreement - 4.5% |
|
For a loan for up to 5 years: 2-fold rate of the NBRB at the time of the conclusion of the agreement - 2.5% |
||
For a loan for up to 5 years, subject to the conclusion of an insurance contract: 2-fold rate of the NBRB |
||
To purchase a car |
For up to 7 years - 2 times the rate of the NBRB |
|
For a period of up to 5 years - 2-fold rate of the NBRB - 2 pp. |
||
For the purchase of goods |
2-fold rate of the NBRB - 4 p.p. |
|
For education |
For obtaining the first education: the rate of the National Bank of the Republic of Belarus on the date of imprisonment loan agreement + 10% |
|
For obtaining a second education: the rate of the NBRB on the date of the loan agreement + 12% |
||
For the improvement of burial sites |
rate of the NBRB as of the date of conclusion of the loan agreement + 6 pp |
|
For medical services |
||
"Installment plan without overpayments" |
with payment of 0.01% per year |
|
"Application to Santa Claus" |
In accordance with the terms of credit agreements, the size of the interest rate does not always remain the same throughout the entire period of the agreement.
A change in the cost of a loan may be caused by a change in the refinancing rate of the Central Bank of the Republic of Belarus. Or by the decision of the Board of the Bank.
The borrower is informed about the new loan conditions through newspapers, on the websites and in the branches of the Bank.
Maximum and minimum loan amount
Before concluding a loan agreement, the Bank assesses the client's creditworthiness.
During the assessment, loan debts, surety agreements, credit history, factors that can affect the borrower's solvency (marital status, expenses).
The result of this analysis is the determination of the maximum loan amount, that is, the limit of the borrower's solvency. It cannot exceed the ratio of the borrower's net income set by the Bank.
Minimum size for consumer loans Belarusbank is not installed.
The available amount of the maximum loan for the borrower necessarily meets the above criterion. Individual loans have additional conditions:
Consumer loan name |
Maximum loan amount within the borrower's solvency |
Consumer loan |
but not more than 50 million Belarusian rubles rub. |
To purchase a car |
taking into account the cost of the car |
For the purchase of goods |
in the amount of up to 200 basic units established by the legislation of the Republic of Belarus as of the date of the decision to issue a loan (currently - up to 30.0 million rubles) |
"Installment plan without overpayments" |
|
"Application to Santa Claus" |
|
For education |
within the annual tuition fee |
Loan issuance terms
Lending terms in Belarusbank mainly vary from one year to seven years.
Consumer loan |
Lending terms |
"Time-tested" |
|
Consumer loan |
from 1 to 5 years |
To purchase a car |
|
For the purchase of goods |
up to 1.5 years |
For education |
|
For the improvement of burial sites |
|
For medical services |
up to 2 years |
"Installment plan without overpayments" |
depends on the outlet |
"Application to Santa Claus" |
State regulation of the interest rate level allows you to control the lending system in the Republic as a whole and in Belarusbank in particular.
All loan products are available, inexpensive and easy to obtain. Through credit funds you can become parents, solve current issues and perpetuate the memory of loved ones.
This allows us to say that Belarusbank is ready to help its customers throughout their lives.
Debt repayment
Payment of the debt to Belarusbank is made monthly for the actual time of using the loan in accordance with the schedule.
There are several ways to pay off:
- at the bank's cash desks;
- in info kiosks, using cards issued by ASB Belarusbank and other resident banks. In the latter case, the commission is 1% of the amount;
- through M-banking;
- using the Internet banking service.
According to customer reviews, the main problems of the bank are:
- commissions, as the bank calls them "the size of the commission," charged for certain services. If we talk about consumer lending, then such remuneration for the client costs 3.5% of the amount of cash withdrawn, but not less than 10 thousand Belarusian rubles. rub.;
- problems with internet banking. Unfortunately, the service is not always available to customers "for technical reasons", which naturally causes inconvenience and discontent;
- insufficient number of ATMs and branches.
But these minor flaws are more than covered by today's pluses:
- affordable rates for loans;
- two low-interest proposals for social targeted loans for medical services and improvement of burial sites;
- a convenient website of the Bank, which allows the client to independently understand the terms of lending, get an answer to questions of interest through an online consultation, calculate the terms of a loan using a calculator;
- holding holiday promotions on credit offers;
- credit offer "Installment plan without overpayments", which allows you to purchase on the basis of an almost interest-free loan.
But tomorrow the Bank has room to grow. In the future it would be nice:
- increase the number of branches;
- expand the list of partner retail outlets;
- eliminate shortcomings in the work of Internet services;
- expand the line consumer loans without security.
Separately, I would like to note the big plus of lending not only in Belarusbank, but also in the country as a whole - this is the presence of presidential decrees aimed at concessional lending.
In particular, in this Bank, preferential consumer loans are available to students receiving their first higher education, young professionals, for gasification and even for in vitro fertilization. The cost of such loans is several times lower than the cost of consumer loans.
APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and WITHOUT DAYS.
Loans for consumer needs of Belarusbank today are represented by a wide range of loan products, among which everyone can choose suitable option.
What loans Belarusbank issues, what are the requirements, what documents need to be prepared and how the registration process takes place - in more detail below.
Belarusbank loans for consumer needs in 2019
ASB Belarusbank in 2019 offers a fairly wide range of consumer loans on the reasonably acceptable conditions.
All consumer loans have a fundamental difference among themselves - this is the purpose of lending money, that is, if money is required for education, then this is a loan for training in Belarusbank, if for a wedding, then you can take a consumer loan or "Serious plans" and so on.
The bank's requirements for borrowers are minimal, which simplifies the process of obtaining a loan. More detailed information on each type can be found on the official website of Belarusbank lending.
Consumer loan
The loan is issued for consumer needs, also you can pay online for various services or goods. A feature of the consumer loan Belarusbank is thatthat it can be made out without guarantors.
Income statement not required in cases of receiving pension / wages in Belarusbank and upon receiving the size money, which is calculated based on average monthly net income, no more than 20 bases. units.
The size of the loan is affected by:
- If income is confirmed by a document or wage (pension) is credited to the account in Belarusbank, then based on the client's solvency.
- If the document confirming income there is no way to provide, then on the basis of solvency, but is taken into account net incomethat the client receives on average per month, but not more than 20 bases. units.
- If the role of security is insurance against the risk of non-repayment of borrowed funds, then on the basis of solvency, but not more than 10,000 rubles.
The terms of provision are as follows:
Procedure for providing | Type of security | Period, months | The annual interest for use is floating and is calculated according to the formula the refinancing rate of the National Bank of the Republic of Belarus (10% from 27.06.2018) + percentage points set by the bank |
---|---|---|---|
1. Transfer to the account of 3 persons (individual entrepreneur, legal entity) 2.Using a credit card 3. Transfer to a bank account associated with a debit bank card | Any, but within the framework legislative framework Belarus | 12 | 13 |
24 | 13.5 | ||
36 | 14 | ||
48 | 14.5 | ||
60 | 15.5 | ||
Penalty | 12 | 14 | |
24 | 14.5 | ||
To credit card | Loan default insurance | 36 | 15 |
48 | 15.5 | ||
60 | 15.95 |
Credit "Successful renewal" up to 7 years
Credit for consumer needs "Successful renewal" up to 7 years is issued for refinancing:
- Debt on consumer loans in nat. currency and foreign, which were received in Belarusbank.
- Debt on loans issued for consumer needs by banks of Belarus, nat. currency and foreign.
Compliance with the conditions is taken into account
Terms of provision:
- The interest rate is 15%, that is, the sum of the refinancing rate and 5 percentage points.
- Period - 7 years.
- Collateral can be pledge, penalty, surety, etc., but within the framework of the law.
- The amount of credit is determined by the client's solvency (confirmed by a certificate of income or the presence of an account in Belarusbank, where the salary is credited). If income cannot be verified, then within the framework of the client's solvency, taking into account his average net monthly income, but not more than 20 bases. units
- Borrowed funds provided are transferred against repayment debts on the declared loan.
Consumer loan "Time-tested"
A loan for consumer needs "Time-tested" is calculated for clients of Belarusbank JSB who have accounts based on salary project and who else no 57 years old upon receipt of papers for registration. You can get a loan without guarantors with the possibility of cash withdrawal.
Credit report content
Provided based on established criteria:
Loans using the Internet banking system
Take out a loan for consumer needs through Internet banking can thenwhen the client has registered, uses it and has a Belarusbank payment card.
Belarusbank offers two kinds consumer loans:
- Installment plan without overpayments.
- Internet Cashless.
It should be noted that you can apply for a loan using Internet banking without certificates and guarantors.
Terms of the loan "Installment without overpayments":
- The amount is no more than 10 thousand rubles.but based on the customer's ability to pay.
- The annual interest rate is 0.01.
- In the role of providing forfeit acts.
- Loan funds are provided in Belarusian rubles transfer to OTC bank account.
- Lending period - from 4 to 36 months
Credit for consumer needs "Internet-Cashless" has similar conditions, but differs in percentage and method of providing:
- The loan is provided in the nat. currency by transfer to an account in any bank.
- Interest rates depend on the period, namely, for a year - 11.5%, for 3 - 12.5%, for 4 - 13.5% and for 5 years - 14.5%.
Useful video:
Car loan
A loan for the purchase of a car from Belarusbank is provided for the purchase of a new car from legal entities or individuals.
The loan is provided for 7 years at 14% in the first 180 days, from 181–15.5% (refinancing rate of the NBRB + 5.5%).
The amount of borrowed funds depends on the client's ability to fulfill monetary obligations to the bank, based on the provided document with income display.
The guarantee is the guarantee of individuals. Borrowed funds credited to the accounts of 3 persons, that is, sellers.
Loans for the purchase of goods (works, services) from OTC
Belarus bank offers loans for consumer needs, namely for payment for goods or services, on the basis of agreements with trade or service organizations (OTS) 4 types:
Name | "Partner" | "Partner Optimal" | "Installment plan without overpayments" | Loan based on cooperation agreements with UTS |
---|---|---|---|---|
Terms | ||||
Period, months | Based on an agreement with OTS | 12 | 2 to 36 | 18 |
Interest rate on loans | Based on an agreement with OTS | 11 | 0.01 | 16 |
Loan size | Solvency is taken into account, but not more than the commodity price | The solvency is taken into account, not more than 2,500 rubles, if the loan is issued for the purchase from ATLANT Inc. | Not more than the price of the product, but based on ability to pay | No more than 200 bases. great, but based on solvency |
How is it issued? | Transfer to OTC account | Transfer to accounts of 3 persons based on invoice | Transfer to OTC account | Transfer to the account of 3 persons |
Security | Penalty |
Consumer loans for youth
- Higher - the loan is issued at 13%, is repaid for 5 years after finishing studies.
- Secondary specialized - a loan is issued under 13%, is paid off within 3 years after graduation.
The collateral is pledge, guarantors, etc.
Credit "Time to Live"
A loan for consumer needs “Time to Live” by Belarusbank is issued to citizens of Belarus who are entitled to receive pension payments. The amount of borrowed funds depends on the client's creditworthiness, but not more than 150 bases. units.
A loan is provided for retirees using a bank credit card, the crediting period is up to 3 years... The percentage for use is 13.5% in 1 year, 14.5% in 2 and 3 years.
Pensioners who are related to the Velvet Club are provided preferential loan for consumer needs, namely with a percentage discount of 1.5%.
The loan can be secured by pledge, surety and other legal means.
How to get a loan in Belarusbank for consumer needs?
To take out a loan for consumer needs need to match the requirements of Belarusbank to borrowers:
- To live permanently in Belarus.
- Have a source of income on an ongoing basis and the ability to prove it.
- Be competent.
In order to get a loan you need to visit banking institution or use the remote method - fill out an online application on the bank's website, through online banking, an info kiosk or call hotline bank - 147.
Also on the website of Belarusbank are the location and phone numbers for consultations of lending departments in Minsk, but you can use the search branches and in cities such as Gomel, Vitebsk, Grodno, Brest, Mogilev, etc.
By phone you can consult and by choosing the best loan option and find out the debt on already taken loans.
Required documents for filing with the bank:
- The passport.
- Certificate of income / statement from the account in Belarusbank, where income is accrued. In most cases, in order to obtain a consumer loan in an income document, not necessary... With a certificate form for obtaining a loan (issuing a surety) at JSC "ASB Belarusbank"
- For highly specialized loans you will need additional documents , so for a loan "Time to Live" you must provide a pension certificate, for a loan for study - a certificate from an educational institution, for "Partner Optimal" - an invoice, etc.
- Consent of the client and the guarantor (if any) to verify their personal data and to issue the corresponding document from the Credit Register of the NBRB.
Related videos:
For the convenience of Belarusbank customers offers to use consumer loans designer.
The following parameters must be filled in:
- Desired amount.
- Desired payment.
- Earnings per month.
- Expenses.
- Type of security.
After filling, the constructor will select the most suitable options loans for consumer needs under the specified parameters.
Making an online loan application in Belarusbank
To apply for a loan online, you must use the Belarusbank website. Thanks to this, the application can be submitted at any time, with only Internet access.
Online application can be applied for such types, as:
- "It's time to live".
- Time-tested.
- "Serious plans."
- For consumer needs for a period of one to five years.
After a loan has been selected in the appropriate field, it is required to indicate the method of receiving money, end by clicking at the bottom of the page buttons agree to the terms and "Continue"
Next, you need to indicate income and expenses, choose whether the income will be confirmed by documents or not. After clicking the "Calculate" button you can see the preliminary calculation, namely, how much the bank is ready to lend you and how much you need to pay on the loan per month.
Then an application is required the borrower in the form of a questionnaire, indicating his personal data, address, phone numbers, passport data, etc.
When the application has been sent, you need to wait for a call from the bank, to find outwhether they will give you a loan or not. After one visit to the bank is enough to provide the relevant papers and complete the registration stage.
Loan calculator for calculating
Credit calculator Belarusbank allows you to calculate the maximum amount of borrowed funds and the required income to obtain a loan based on the selected type of loan.
To calculate the maximum loan amount required to specify:
- Average earnings over the past three months.
- Payments for other loans.
- Expenses.
Thereafter credit calculator will calculate the amount to be repaid every month, namely by interest and the body of the loan.
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 creating the programs consumer lending, thanks to which loans have become even more accessible to all categories of the population of the republic.
In this article, we will analyze the current credit programs from Belarusbank. Perhaps someone will like some kind of credit after reading this article.
There is a loan in Belarusbank that provides for consumer spending. 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 apply for this loan.
Belarusbank requirements for applicants:
- Capable persons
- Permanent residence in the Republic of Belarus
- Stable source of income in Belarus
It is noteworthy that this money loan can be obtained by both a citizen of the Republic of Belarus and stateless persons permanently residing in the Republic of Belarus.
So, the following credit conditions are available to the applicant:
- Loan issuance method: by bank transfer or by credit card of the bank
- Debt payment procedure: actually for the period of using the money 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 (consent / refusal of insurance, loan term, etc.).
Let's call it a standard consumer loan and consider other current bank offers aimed at consumer needs.
Loan product "Time to Live"
This cash loan is designed for consumers who have reached retirement age. However, there is a proviso that this loan can be applied for by persons entitled to a pension in accordance with the legislation of the Republic of Belarus.
The advantages of this loan:
- Lower loan rate
- The ability to get a loan without income certificates
- Customers can buy goods and services online
- The applicant is provided with several ways to register an application
By conditions this loan the applicant can count on the following credit conditions:
- Provision of a loan amount to a credit payment card
- Loan amount: in an amount not exceeding 150 base units within the creditworthiness of the borrower
- Loan collateral required
As security, the following are possible: surety of individuals, pledge and any other means of security debt obligationstipulated by the legislation of the Republic of Belarus.
It is noteworthy that the loan rate is floating.
This loan is also intended for consumer needs of borrowers. It provides for the issuance of borrowed funds to refinance a problem loan.
Refinancing applies to consumer and mortgage loans, which were issued in Belarusian rubles or in foreign currency. But it is important that the bank provides an opportunity to take advantage of this credit 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.
Loan conditions:
- Loan issuance method: non-cash transfer to repay the principal debt on a refinanced loan
- Interest payment procedure: upon use of the loan
- Loan amount: depending on the client's solvency
- Security: any option provided by the legislation of the republic
The amount of a cash loan, although it depends on the solvency of the borrower, will definitely not exceed the amount of the outstanding balance on the principal debt of the refinanced loan.
The loan rate will look like this:
- Any balance of debt on the loan, but using the loan up to 1 year: 20%
- The balance is over 1 thousand rubles, and the use of a loan up to 5 years: 21%
Let's quickly go over the requirements for borrowers wishing 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 in permanent residence in the Republic of Belarus
- Having a permanent source of income in the Republic of Belarus
Submit an application in a way convenient for you and the bank will certainly inform you of its decision as soon as possible.
Time-tested credit
Provides for the issuance of a loan using an international credit line through the opening of a revolving credit line.
This cash loan is available to salary clients 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 size of the loan will be calculated based on the data on the borrower's solvency.
Belarusbank provides several ways to register a loan application. The applicant only needs to choose the most suitable method for him and fill out a bank application form.
Methods for registering an application in Belarusbank:
- At the bank branch
- Through the info kiosk of Belarusbank
- In the M-Banking system
- On the corporate website of Belarusbank
- Through the contact center
As you can see, the bank has made sure that it is 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 the bank branch.
Loan application documents
To document a loan obligation to a bank, you need to collect a certain package of documents.
The standard list of securities that will be needed to conclude a loan agreement is as follows:
- Applicant's (and guarantor's) passport
- Certificate of income 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 specify 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 payroll clients, since the lender has the necessary information about the borrower. It is enough for such customers to fill out an application and prove their identity with a passport.
There are a lot of consumer lending programs in Belarusbank. There is also a separate section of loans for the younger generation, as well as educational loans. Follow the current loan offers of the bank and you will definitely find such a loan product that will provide for favorable lending conditions.