Priorbank loans to individuals calculator. Priorbank: loan calculator and loan conditions
Priorbank is one of the largest financial institutions Belarus. He offers profitable terms for registration consumer loans, mortgages, car loans, deposits and programs for businessmen.
Priorbank loans are processed quickly and are easy to repay. But the main advantage is reduced interest rates compared to offers from other financial institutions in the country.
Under what conditions does Priorbank issue loans to individuals?
Individuals can apply for any of the following loan products at Priorbank:
Consumer cash loan for any purpose;
Credit cards;
Non-cash credit for payment of goods;
A loan to pay off current debts to other banks (refinancing).
Non-purpose consumer credit is issued for a period of 1 to 4 years. The maximum loan amount is 5,000 euros in terms of Belarusian currency. For borrowers receiving a salary on a Priorbank card, the limit is increased to 7,000 euros.
The interest rate is fixed at 25% per year. The loan is issued to citizens aged 22 to 58 years, at the time of debt repayment, the borrower should be no more than 63 years old.
A credit with a transfer to a card is issued for 1-4 years. The limit is also 5,000 or 7,000 euros, depending on the client's status. Interest rate - 23% per annum for amounts up to 5,000 euros, 20% per annum if the limit exceeds 5,000 euros.
A non-cash loan for the purchase of a particular product is issued at a bank branch or at a point of sale. The maximum loan amount is 10,000 euros. The term is set individually - from 6 months to 4 years. The interest rate depends on the place of registration, the group of purchased goods and ranges from 20 to 30% per year.
Priorbank also offers loan refinancing. The product is called "Loan to repay loans from other banks." It is issued at 20 or 23% per annum, depending on the amount, which can reach a maximum of 10,000 euros. The duration of credit obligations varies from 1 to 4 years.
How to apply for a consumer loan at Priorbank?
Priorbank became the first bank to offer residents of Belarus to apply for loans online. In general, you can apply for any of the loans:
at a bank branch;
on the organization's website;
In telephone mode.
Not only the online application simplifies the lending procedure, but also the Priorbank loan calculator. The service allows you to quickly calculate the total cost of the loan, the amount of the monthly payment and the overpayment. So you can compare several loans and choose the most suitable one.
Basic requirements for the client:
Priorbank cooperates only with officially working borrowers who:
Have at least 6 months of experience;
Can present a certificate of average earnings;
Suitable for age - from 22 to 58 years;
Have no delinquencies on loans (both current and already repaid).
Another nuance is that in order to receive the maximum loan amount, the borrower must receive a salary of about 80 euros per month. A client who meets these requirements can apply for a loan in any convenient way.
Loan repayment methods:
There are many options for making monthly payments on loans at Priorbank:
Through the Internet Bank system;
With the help of SMS-Bank;
In the branches of "BelPochta";
In payment terminals of Priorbank;
Through a card in Internet banking;
Withdrawal from an account in another bank;
Through the "Calculation" system;
At the cash desk of the Priorbank branch.
What are the attractive terms of lending at Priorbank?
There are a lot of advantages of obtaining a consumer loan in the largest Belarusian bank:
Large amounts of loans;
Long terms of crediting;
Low interest rates;
Automatic life and disability insurance of the borrower;
Possibility early repayment without fines and commissions;
Pre-calculation service with loan calculator"Priorbank";
Some convenient ways loan repayment;
Possibility of making a request remotely (via the Internet or by phone).
Priorbank is strong enough financial institution trusted by hundreds of thousands of customers.
Convenient methods of registration and repayment, quick verification of information, loyalty to borrowers - all this makes the bank one of the most popular among Belarusians.
What loans for individuals are available today at Priorbank?
At the moment, almost no major purchase, business opening, repair and much more can do without loans. Profitable loan can create some convenience, and disadvantageous can become a real problem. That is why it is so important to approach the issue of obtaining loans seriously and carefully choose the most convenient offers, avoiding large debts to banks.
Loans for individuals in Priorbank
Along with the opportunity to take a loan in Belarusbank, there is also the possibility of obtaining loans for any purpose in the Belarusian Priorbank from the Raiffeisen group of companies. The organization provides loans for almost any purpose and acquisitions at low interest rates, as well as several types credit cards. For customers who have bank accounts on which official income is accrued, the interest rate and requirements are reduced, and the package of necessary documents is also facilitated.
Consumer loans
Two consumer credit"Just shopping" and " Best Buys» differ in design possibilities. The first is available at the bank, the second - directly in the store. In addition, registration is also possible on the website through an online application. When applying for a loan at Priorbank, you can count on constant support and the opportunity to order and receive advice.
The loan "Just shopping" can have a term of 6 months to 4 years. The amount is from 500 to 10,000 euros in equivalent. The minimum interest rate is 20%, the maximum is 23%. Annuity payments.
- Age - from 22 to 63 years (at the time of repayment);
- Work experience - at least 6 months in one organization;
- Minimum average income for the last 3 months - 265 BYN.
- income statement;
- Sales contract (or similar documents);
- Additional documents (for entrepreneurs);
- An agreement confirming the introduction of own Money if necessary.
The "Best Buys" offer is available for registration right at the place of purchase of a particular product. It can be issued for 6-48 months at 30%. The amount in this case can be from 160 to 4500 BYN.
- Age and experience as in the offer "Just shopping";
- The minimum average income for the last 3 months is 210 BYN.
- Passport or residence permit;
- Income statement.
Cash loan
If there is a need to purchase a franchise in Belarus or for any other expenses, you can also get a cash loan. It is issued by Priorbank on the following terms: the amount is from 13 thousand BYN, the term is 1, 2, 3 or 4 years, the rate is 25%. An application can be made on the website, in the Internet bank and by phone. Requirements: Same as the "Just Shopping" offer.
- Passport or residence permit;
- Certificate of income for 3 months in the form of a bank.
Advice: gaining access to an organization's internet banking can save time not only when applying for a loan and receiving money, but also when managing accounts and payments.
For real estate
With the help of Priorbank, you can not only order online debit card but also to build or purchase housing on credit. Its registration is possible both under the guarantee, and without it.
For housing construction. The minimum amount that a bank can provide for a loan will be 3.7 thousand BYN. The interest rate is 23%, and the term is 5, 10 or 15 years. Minimum an initial fee on credit - 20%.
- Certificate of income (taking into account the total income of both spouses);
- A document confirming the payment of the required participation amount (first installment);
- Construction contract.
A loan for the purchase of real estate is issued under the same conditions. The difference is in the packages. In this case, you will need a purchase / sale agreement, a document on market value credited object, a document confirming the first installment.
car loan
Loan for individuals new car in Priorbank can cost the borrower 23% per annum with the minimum amount lending in the amount of 5 thousand dollars in the equivalent for a period of 5 years. In this case, you will need a guarantee of the spouse, a deposit of the purchased car and a full auto hull. The requirement for a minimum average monthly income of 465 BYN is added to the basic lending requirements.
A loan for any car can be obtained for 500-10,000 euros equivalent for a period of 1, 2, 3 or 4 years at 20-23%. Guarantee, pledge and compulsory insurance car insurance is not required. The minimum average income of the borrower should be 265 BYN.
- Passport or residence permit (own or spouse);
- Income statement (total income);
- Purchase and sale agreement of the object;
- A document confirming the first installment.
Advice: you can preliminarily calculate the amount of the monthly loan payment on the Priorbank website by selecting the program of interest in the "Credits" menu item. This will help to avoid questions about what to do if you cannot pay the loan to the bank, since this way you can compare your possibilities with the offer in advance.
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In Priorbank in Belarus, you can get a loan for any purpose - from shopping in a store to real estate construction. It is worth noting that the bank offers low interest rates, and the conditions and requirements are quite loyal and favorable. For the bank's clients, there is technical support (including round-the-clock), as well as the possibility of obtaining remote service and self-service, which allow you to avoid going to bank offices.
Loans at Priorbank
The article will tell about the current* credit programs of one of the leading banking institutions Belarus – Priorbank. The publication will acquaint you with the basic terms and conditions of products and how to design them. Also from the article you will learn how to independently make a preliminary calculation of loan payments using a loan calculator – service on the lender's website.
Interest on a loan at Priorbank
The table shows the main conditions * for the institution's loan products:
For payroll clients more loyal interest rates are provided for some products. So, for example, lending under housing programs to this category of clients is carried out at 38%.
The Bank issues real estate loans in the following main areas:
- Construction / share in the construction of residential real estate - houses, apartments.
- Acquisition of finished housing in the secondary market.
General are the standard terms of provision, namely:
- possible loan terms – 5, 10 or 15 years;
- mandatory down payment - 20% of the cost of housing being purchased or under construction;
- the applicable rate is 40%.
The issuance of loans for housing construction is carried out by the lender under two main programs:
- "Friendly Family" - provides for the obligatory security of a loan in the form of a pledge of an object under construction and a guarantee of individuals. In this case, the calculation of the maximum possible loan amount is made taking into account the income of attracted guarantors. Mandatory clearance insurance policy the amount of the loan outstanding.
- “Construction secured” – housing under construction acts as collateral for the loan. The conditions provide for mandatory registration of insurance for both the loan amount and the life of the borrower.
Consumers can purchase ready-made housing under the following loans:
- "Friendly family".
- "Purchase against guarantee" - the maximum possible loan amount is equal to the equivalent of 21 thousand EUR**. The loan is secured by the guarantee of the spouse of the borrower, other individuals. It is not necessary to pledge real estate and issue any insurance policies.
- "Purchase on security" provides for a mandatory pledge of the acquired property. Guarantee in the form of a program guarantee is not applicable. It is necessary to obtain insurance for the amount of debt on the loan and the life of the borrower.
To apply for a housing loan, along with the application form, you must provide the lender with:
- passport or residence permit of the applicant, second spouse and guarantors;
- a certificate issued by the employer in the form of a bank on income for six months - for the applicant, spouse, guarantors;
- a certified copy of the book/certificate of seniority applicant, second spouse and guarantors.
Consumer loan at Priorbank
- Cash loan - non-purpose loan with maximum amount for the general category of consumers up to 5 thousand EUR**. For payroll clients – 7 thousand EUR**.
- Non-cash commodity loan - a targeted loan for the purchase of specific goods / services. Lending is carried out under two programs: "Just Shopping" and "Best Buys". The second type provides for a mandatory prepayment against the borrower's own money - 10% of the cost of the goods. With a loan amount of more than 5 thousand EUR **, and for salary employees - from 7 thousand EUR **, the amount of personal participation of the consumer starts from 20%.
To apply for a consumer loan in an institution is available to persons:
- in the age range of 22-58 years. At the same time, the age at the end of the loan period should not exceed 63 years;
- one employer must have at least six months of permanent work experience.
The minimum level of the applicant's monthly income must be at least 2.5 million BYR, and for the "Best Buys" product - from 2 million BYR.
Issuance of consumer loans is carried out without collateral or surety. The terms of the loan provide for automatic insurance of the loan when it is issued.
Priorbank calculator
The calculator will allow the consumer to independently carry out a preliminary calculation for a specific product. To make calculations, the user must:
1. Select the desired type of loan.
2. Mark options:
- calculation mode - based on the size of the loan or income;
- settlement terms – currency and term;
- additional data - availability salary card and insurance.
3. Specify information about current obligations and enter the requested amount or average monthly income, depending on the selected mode.
As a result, the program will issue a calculation indicating:
- the required income of the applicant;
- the amount of the insurance premium;
- the amount of the monthly loan payment.
How to get a loan from Priorbank
Priorbank offers consumers the following ways to apply for loan products:
- At the customer service center.
- Through the Internet banking service. Available to users of the resource who are current customers of the bank, for loan products: cash loan, car loans, "Just shopping".
- On the website of the institution.
- By phone. A potential borrower needs to fill out a consultation application on the lender's website. The lender's specialist will contact the applicant at the number indicated in it, conduct a survey and fill out an application for a loan.
Registration loan agreement for the product "Best Buys" takes place directly at the point of purchase of the product / service.
Application for a loan to Priorbank
The lender provided for potential borrower the possibility of submitting an application form through its website. Making an application in this way is possible only for credit products: cash loan, "Just a car" and "Just shopping".
The application process is reduced to the phased filling of its forms with data on:
- credit;
- personal and passport information of the applicant;
- residential address and contact numbers;
- labor activity;
- income and liabilities;
- real estate, car, bank cards and accounts.
The Priorbank financial institution, a member of the Raiffeisen international group, provides services to both legal and individuals. The latter can issue a targeted or non-targeted loan, deposit, credit card. It is necessary to figure out which Priorbank loans for consumer needs available to the public, what are their main parameters and design methods.
Bank Information
The bank was founded in 1989, although it began to cooperate with clients only in 1990. Until 2003, the financial institution remained independent until it became part of the international group Raiffeisen Bank International. Thanks to this, Priorbank is today the only banking organization with Western European capital, operating on the territory of the Republic of Belarus.
As of today, Priorbank occupies a leading position in the banking sector of Belarus. The financial institution leads in such parameters as: issuing credit cards, attracting foreign investment, lending to the population. The Bank successfully cooperates with global financial institutions, including European bank reconstruction and development.
For several years, reputable international publications have called Priorbank the best financial institution in Belarus. Many agencies specializing in analysis financial market, pay attention to the reliability of the bank in the field of long-term cooperation.
Lending to the population
One of the areas of activity financial institution – customer credit population. Today, the bank provides different products that differ from each other both in maximum amounts and in the method of issuance. Some loans can be used at your own discretion, while others are issued for a specific purpose. The following loan programs of the bank can be distinguished:
- credit cards;
- consumer loans (Prosche.NET loan, non-cash loans, refinancing);
- loans for the purchase of movable and immovable property.
There are several types of credit cards from Priorbank, differing in minimum and maximum credit limit. Some loans can be issued to them. It is necessary to consider in more detail the credit programs operating in this banking organization.
Loan "Prosche.NET"
The loan "Prosche.NET" can be transferred to the "Boomerang" card or other debit plastic. In the first case, the cardholder will be able to use the money-back option and return part of the funds spent on the purchase. To apply for a loan, a bank client must be between the ages of 22 and 58 years. You can use the funds at your own discretion. The financial institution does not require any collateral or guarantors from the client.
You can borrow funds for a period of up to 5 years. There are restrictions regarding the loan amount. It cannot exceed 5 thousand euros or be less than 500 euros. At the same time, for citizens who receive wages for Priorbank plastic, special conditions apply. Such citizens can receive up to 7,000 euros.
The interest rate directly depends on how much money the borrower borrows and whether he insures his life. So:
- If the loan amount does not exceed 5,000 Belarusian rubles, the interest rate will be 16 percent per annum.
- If the loan amount exceeds the above figure, the rate is reduced to 14%.
- Most high percent applies if the client has canceled the insurance. In this case, you should be prepared for an interest rate of 17% per annum.
Repayment is made by making annuity payments. That is, a citizen every month must contribute the same amount of money. Only those citizens who have a monthly income above 265 rubles (work experience at the last workplace is at least 6 months) can receive a loan. If the borrower does not have plastic, it will be issued free of charge. Early repayment is allowed without penalty.
Cashless loan
Two more loans from Priorbank can be allocated to individuals, the funds for which can be spent at the personal discretion of the borrower. This is:
- "Just Shopping".
- "Best Buy".
Both loans are issued only to those persons who are at least 22 years old, but are not over the age of 58 years. As in the previous case, it is important to have a job (over the past 6 years). There is the possibility of early repayment without penalties and commissions. Collateral and guarantors are not required. Despite these similar features, the above loan programs have significant differences, so it is worth considering them separately.
"Just Shopping"
First of all, it must be indicated that this type of loan can only be issued at a branch of a financial institution, which distinguishes it from the Best Buys loan. There are differences in the main parameters of both loans. In the case of the Just Shopping product, the following conditions apply:
- The minimum loan term is at least 1 year, the maximum is up to 5 years.
- You can get from 500 to 10,000 euros in equivalent.
- Interest rates, as in the case of Prosche.NET, depend on the loan amount and other nuances. Minimum bet- 14 percent per annum, maximum - 17%.
- Loan repayment is carried out by making annuity payments.
To get a loan, you must have a monthly salary above 265 Belarusian rubles per month. A prerequisite is the presence of a permanent workplace (the length of service at it is at least 6 months), so the client will need a certificate to obtain a loan from Priorbank.
"Best Buy"
Unlike the previous bank loan, you can apply for this loan only directly at the outlet at the time of the purchase. This introduces certain changes to the basic parameters of the loan. So:
- Refunds must be made within 6-48 months.
- The maximum amount that can be received is 4,500 Belarusian rubles (the minimum is 160 rubles).
- The interest rate is fixed and does not change, regardless of specific circumstances. It is 21% per annum.
There are less stringent requirements for persons wishing to apply for this loan. Firstly, the minimum monthly income may be lower than in the previous case - from 240 Belarusian rubles. Secondly, the work experience at the last workplace must be at least 4 months, not 6. The disadvantage of the "Best Buys" product is the need to make an advance payment (10% of the purchase price). However, you can get a loan in just an hour, which is faster than in other cases.
Comparison of credits for the purchase of goods
Refinancing
Among consumer loans, which are provided by Priorbank, there are also loans intended for refinancing other debt obligations. This allows the bank's customers to repay outstanding debts on other, easier terms with a lower financial burden. Priorbank is given the opportunity to take a loan for refinancing:
- Loan taken from this institution.
- Loan from another bank.
As in the previous case, these loans differ from each other in some respects. Therefore, it is worth considering them separately.
Refinancing of the Priorbank loan
You can take a new loan to pay off the old one for a period of one to 5 years. The maximum loan amount is no more than 5 thousand euros. At the same time, as in other credit programs, special conditions apply for citizens who receive wages on a bank card. Such clients can count on 7,000 euros. In addition, they are provided with a reduced interest rate - only 12 percent per annum.
For other persons, standard interest rates apply (between 14 and 17 percent, depending on specific circumstances). The decision on the borrower's application is made within 1-2 days. In addition to funds for refinancing, the client can also receive from 500 Belarusian rubles as a consumer loan for other needs. The requirements regarding employment, collateral and guarantors are the same as in other cases.
Refinancing loans taken from other financial institutions
The main terms of the loan to pay off debts to another bank are the same as in the previous case. This fully applies to the term, the minimum and maximum interest rates, the age of the client, as well as early repayment without applying any commissions. The difference lies in:
- Maximum loan amount. In this case, you can borrow up to 10,000 rubles.
- Documents to be provided. Unlike the aforementioned product, in this case, bank employees have the right to request a certificate of income from the borrower, as well as an extract from another bank, which will contain information about the current level of debt (the latter document is provided after the application has been approved).
As in all previous cases, the client is not required to pledge and guarantee. To receive funds, you must apply for a loan from Priorbank.
Documents required for registration
To apply for a loan at Priorbank, you must provide a minimum package of documents. As mentioned above, borrowers are not required to provide collateral or guarantors for obtaining a consumer loan. To apply, you must have:
- Passport a citizen of the Republic of Belarus or a residence permit.
- income statement received within the three months preceding the date of application.
- In some cases, a purchase / sale agreement or other document that can replace it, and also - a paper confirming the fact of making an advance payment for the purchase.
Bank employees reserve the right to request additional documentation from the borrower. The latter must have the citizenship of the country or have a residence permit, be employed (at least 6, and in some cases - 4 months) and stay between the ages of 22 and 58 years.
Loan processing
You can take a loan from Priorbank for consumer needs in one of two ways: personally visit the branch or make an application online. The second method is more convenient, but it can only be used for refinancing and a car loan (“ProstoAuto”). To apply, you must have a device with Internet access and prepare a personal passport (data from it will be used when filling out the form).
The next steps look like this:
- Go to the official website of the bank.
- Hover over tab "Credits", and click the left mouse button, then select "Get a loan" in the window that opens.
- Fill out the five-page form and submit it for consideration.
- Wait for a decision on the application.
If the decision is positive, the client will have to personally visit the bank branch to sign the loan agreement. In the case of all other loan programs, a loan is issued only at the branches of a financial institution (the exception is the “Best Buys” loan, which can be issued at a point of sale).
To apply for the necessary loan in person, you need to visit the branch of the institution, after selecting loan program, and contact one of the bank employees with a request to apply for a loan. Once completed, it will be submitted for review. The result of the application will be known in a few days.
Thus, the Priorbank financial institution provides citizens of the Republic of Belarus with credit cards, consumer loans and targeted loans to buy a car, real estate. You can get acquainted with specific offers on the bank's website. It is also possible to submit an online application if you need to apply for refinancing or a car loan. In other cases, you should contact one of the branches of the financial institution. Borrowers will need a minimum package of documents, as well as citizenship of the Republic of Belarus and official employment.
. The publication will acquaint you with the basic terms and conditions of products and how to design them. Also from the article you will learn how to independently make a preliminary calculation of loan payments using a loan calculator – service on the lender's website.
Interest on a loan at Priorbank
The table shows the main conditions * for the institution's loan products:
Bid, % |
Sum, min. – max. |
Term, years |
|
car loan "New car" | 40 | 5 thousand – 60 thousand USD** | 5 |
Car loan "Just car" | 38 | 5 thousand – 10 thousand EUR** | 1 / 2 / 3 / 4 |
For purchase / constructionreal estate | 40 | 3.7 thousand – 108 thousand EUR** | 5 / 10 / 15 |
Cash loan | 39 | 500 – 7 thousand EUR** | 1 / 2 / 3 / 4 |
Cashlesscredit for purchases: | |||
Just shopping | 38 | 500 – 10 thousand EUR** | 1 / 2 / 3 / 4 |
Best Buys | 1.5 - 32 million BYR | 6 / 12 / 24 / 48 months | |
39 / 40 / 42 | 300 – 25 thousand EUR** | 1 / 2 |
For payroll clients, more loyal interest rates are provided for some products. So, for example, lending under housing programs to this category of clients is carried out at 38%.
Priorbank loan for housing
The Bank issues real estate loans in the following main areas:
- Construction / equity participation in the construction of residential real estate - houses, apartments.
- Acquisition of finished housing in the secondary market.
General are the standard terms of provision, namely:
- possible loan terms – 5, 10 or 15 years;
- mandatory down payment - 20% of the cost of housing being purchased or under construction;
- the applicable rate is 40%.
The issuance of loans for housing construction is carried out by the lender under two main programs:
- "Friendly family" - provides for the mandatory provision of a loan in the form of a pledge of an object under construction and. In this case, the calculation of the maximum possible loan amount is made taking into account the income of attracted guarantors. It is obligatory to draw up an insurance policy for the amount of the debt on the loan.
- “Construction secured” – housing under construction acts as collateral for the loan. The conditions provide for mandatory registration of insurance for both the loan amount and the life of the borrower.
Consumers can purchase ready-made housing under the following loans:
- "Friendly family".
- "Purchase against guarantee" - the maximum possible loan amount is equal to the equivalent of 21 thousand EUR**. The loan is secured by the guarantee of the spouse of the borrower, other individuals. It is not necessary to pledge real estate and issue any insurance policies.
- "Purchase on security" provides for a mandatory pledge of the acquired property. Guarantee in the form of a program guarantee is not applicable. It is necessary to obtain insurance for the amount of debt on the loan and the life of the borrower.
To apply for a housing loan, along with the application form, you must provide the lender with:
- passport or residence permit of the applicant, second spouse and guarantors;
- a certificate issued by the employer in the form of a bank on income for six months - for the applicant, spouse, guarantors;
- a certified copy of the book / certificate of employment of the applicant, second spouse and guarantors.
- Cash loan – non-purpose loan with a maximum amount for the general category of consumers up to 5 thousand EUR**. For payroll clients – 7 thousand EUR**.
- Non-cash commodity loan - a targeted loan for the purchase of specific goods / services. Lending is carried out under two programs: "Just Shopping" and "Best Buys". The second type provides for a mandatory prepayment against the borrower's own money - 10% of the cost of the goods. With a loan amount of more than 5 thousand EUR **, and for salary employees - from 7 thousand EUR **, the amount of personal participation of the consumer starts from 20%.
To apply for a consumer loan in an institution is available to persons:
- in the age range of 22-58 years. At the same time, the age at the end of the loan period should not exceed 63 years;
- one employer must have at least six months of permanent work experience.
The minimum level of the applicant's monthly income must be at least 2.5 million BYR, and for the "Best Buys" product - from 2 million BYR.
Issuance of consumer loans is carried out without collateral or surety. The terms of the loan provide for automatic insurance of the loan when it is issued.
Priorbank calculator
The calculator will allow the consumer to independently carry out a preliminary calculation for a specific product. To make calculations, the user must:
1. Select the desired type of loan.
2. Mark options:
- calculation mode - based on the size of the loan or income;
- settlement terms – currency and term;
- additional data - the presence of a salary card and insurance.
3. Specify information about current obligations and enter the requested amount or average monthly income, depending on the selected mode.
As a result, the program will issue a calculation indicating:
- the required income of the applicant;
- the amount of the insurance premium;
- the amount of the monthly loan payment.
How to get a loan from Priorbank
Priorbank offers consumers the following ways to apply for loan products:
- At the customer service center.
- Through . Available to users of the resource who are current customers of the bank, for loan products: cash loan, car loans, "Just shopping".
- On the website of the institution.
- By phone. A potential borrower needs to fill out a consulting application on the lender's website. The lender's specialist will contact the applicant at the number indicated in it, conduct a survey and fill out an application for a loan.
The execution of the loan agreement for the product "Best Buys" takes place directly at the point of purchase of the product / service.
Application for a loan to Priorbank
The lender provided for a potential borrower the possibility of submitting an application form through its website. Making an application in this way is possible only for credit products: cash loan, "Just a car" and "Just shopping".
The application process is reduced to the phased filling of its forms with data on:
- credit;
- personal and passport information of the applicant;
- residential address and contact numbers;
- labor activity;
- income and liabilities;
- the presence of real estate, a car, bank cards and accounts.
Will allow everyone to choose a loan program and calculate monthly payment for yourself.
Ruler consumer loans in Priorbank includes two programs. The "Best Buys" credit is issued in one of the bank's partner stores and applies to the purchase of goods and services. A Just Buy Loan will also allow you to purchase goods or services. Both programs may require a down payment ranging from 0% to 20%. The exact amount of the initial payment depends on the type of product and its value.
From the point of view of overpayment, the loan "Best Buys" is much more profitable, where the interest rate is kept at a surprisingly low level for Belarus - 70% per annum. Plus, there are no monthly fees. You can find a list of partner stores on the website, it includes hundreds of businesses selling household appliances, building materials etc. The only drawback is that the credit applies only to goods in partner stores.
If you are interested in buying at an outlet that is not included in the list of Priorbank partners, then the loan "Just Shopping" will suit you. Here the rate is significantly lower and amounts to 55%.
Consumer lending terms:
To start calculating the loan amounts, please fill out the form below.
Priorbank consumer loan calculator
At the moment, almost no major purchase, business opening, repair and much more can do without loans. A profitable loan can create some convenience, while a bad one can become a real problem. That is why it is so important to take the issue of obtaining loans seriously and carefully choose the most convenient offers, avoiding large ones.
Loans for individuals in Priorbank
Along with the opportunity, there is also the possibility of obtaining loans for any purpose in the Belarusian Priorbank from the Raiffeisen group of companies. The organization provides loans for almost any purpose and purchases at low interest rates, as well as several types of credit cards. For customers who have bank accounts on which official income is accrued, the interest rate and requirements are reduced, and the package of necessary documents is also facilitated.
Consumer loans
The two consumer loans “Just Purchases” and “Best Purchases” differ in their processing possibilities. The first is available at the bank, the second - directly in the store. In addition, registration is also possible on the website through an online application. When applying for a loan at Priorbank, you can count on constant support and the opportunity to order and receive advice.
The loan "Just shopping" can have a term of 6 months to 4 years. The amount is from 500 to 10,000 euros in equivalent. The minimum interest rate is 20%, the maximum is 23%. Annuity payments.
Requirements:
- Age - from 22 to 63 years (at the time of repayment);
- Work experience - at least 6 months in one organization;
- The minimum average income for the last 3 months is 265 BYN.
Documentation:
- income statement;
- Sales contract (or similar documents);
- Additional documents (for entrepreneurs);
- An agreement confirming the deposit of own funds, if necessary.
The "Best Buys" offer is available for registration right at the place of purchase of a particular product. It can be issued for 6-48 months at 30%. The amount in this case can be from 160 to 4500 BYN.
Requirements:
- Age and experience as in the offer "Just shopping";
- The minimum average income for the last 3 months is 210 BYN.
Documentation:
- Passport or residence permit;
- Income statement.
Cash loan
If there is a need for an acquisition or for any other expenses, you can also get a cash loan. It is issued by Priorbank on the following terms: the amount is from 13 thousand BYN, the term is 1, 2, 3 or 4 years, the rate is 25%. An application can be made on the website, in the Internet bank and by phone. Requirements: Same as the "Just Shopping" offer.
Documentation:
- Passport or residence permit;
- Certificate of income for 3 months in the form of a bank.
Advice: gaining access to an organization's internet banking can save time not only when applying for a loan and receiving money, but also when managing accounts and payments.
For real estate
With the help of Priorbank, you can not only build or purchase housing on credit. Its registration is possible both under the guarantee, and without it.
For housing construction. The minimum amount that a bank can provide for a loan will be 3.7 thousand BYN. The interest rate is 23%, and the term is 5, 10 or 15 years. The minimum down payment on the loan is 20%.
Documentation:
- Certificate of income (taking into account the total income of both spouses);
- A document confirming the payment of the required participation amount (first installment);
- Construction contract.
A loan for the purchase of real estate is issued under the same conditions. The difference is in the packages. In this case, you will need a purchase / sale agreement, a document on the market value of the loaned object, a document confirming the first installment.
car loan
A loan for individuals for a new car at Priorbank can cost the borrower 23% per annum with a minimum loan amount of $5,000 equivalent for a period of 5 years. In this case, you will need a guarantee of the spouse, a deposit of the purchased car and a full auto hull. The requirement for a minimum average monthly income of 465 BYN is added to the basic lending requirements.
A loan for any car can be obtained for 500-10,000 euros equivalent for a period of 1, 2, 3 or 4 years at 20-23%. Guarantee, pledge and compulsory motor hull insurance are not required. The minimum average income of the borrower should be 265 BYN.
Documentation:
- Passport or residence permit (own or spouse);
- Income statement (total income);
- Purchase and sale agreement of the object;
- A document confirming the first installment.
Advice: you can preliminarily calculate the amount of the monthly loan payment on the Priorbank website by selecting the program of interest in the "Credits" menu item. This will help avoid questions about how, because this way you can compare your capabilities with the offer in advance.
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In Priorbank in Belarus, you can get a loan for any purpose - from shopping in a store to real estate construction. It is worth noting that the bank offers low interest rates, and the conditions and requirements are quite loyal and favorable. The bank's customers are provided with technical support (including round-the-clock), as well as the possibility of obtaining remote service and self-service, which allow them to avoid going to the bank's offices.
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