A sample of filling out a questionnaire for a Sberbank mortgage. Sample application for a loan product at Sberbank Application form for a consumer loan at Sberbank
Sberbank is the leader in the majority of banking services among Russian financial institutions.
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It is here that people most often turn to get a loan or a card. Loan processing at Sberbank begins with filling out an application form.
Although this document has a fairly simple form, it is necessary to take into account a number of nuances that are not always obvious.
Important Points
Sberbank offers various types of loans, including mortgages, consumer loans, credit cards and other products.
The choice of a specific lending option will depend on many conditions - the required amount of funds, the desired term, the purpose of obtaining a loan and the preferences of the borrower.
Sberbank specialists in branches and by calling the contact center can help you choose the right option.
You can choose a loan product on your own, based on information from the official website or documents received at the office.
Any loan process starts with the application process. In Sberbank, it is a statement-questionnaire.
The credit organization carefully checks all the data specified in the application and analyzes them.
The documents attached to the application also undergo various checks.
Only after the necessary procedures have been completed, a decision is made on the possibility of issuing a loan, which is communicated to the client.
The client must sign the application, its submission means consent to the processing of personal data, verification of information and making requests to the Credit Bureau.
But the application does not actually impose any obligations on the client or credit institution.
Sberbank has every right to refuse to issue a loan or approve it on other terms, while the financial institution is not obliged to explain the reason for the decision, and in most cases will not.
Comment. When making a decision, the bank takes into account many parameters from the borrower's income and credit history to activity in social networks or mobile phone costs.
No credit institution, including Sberbank, discloses exact data on what information the decision on the loan application is based on. Otherwise, various scammers could take advantage of this.
In turn, the client is not obliged to receive a loan, even if it is approved on the requested terms.
For example, many prefer to apply for a loan at Sberbank and at the same time to other financial institutions.
And after the approval of several applications, such clients choose the best offer.
This is their full right, although banks do not like it when a client has frequent requests in connection with loan applications in the BKI report.
Too many simultaneous applications for a loan can lead to refusal in all banks.
The decision on the application is valid for a limited period of time. Usually from 10 to 180 days depending on the type of loan.
During this time, the client must sign a loan agreement, otherwise the decision will be canceled and you will have to start all over again.
Key Concepts
A loan application is a written application by a client to a bank asking for a loan.
It can be in both paper and electronic form. Usually, the credit institution itself develops a special form of such documents, since they are not established by law.
The application must contain all the basic information about the client, his property, etc., necessary for making a decision on the possibility of granting a loan.
If necessary, the bank may request additional data, documents and explanations.
The main part of the loan application is the personal data of the client - this is actually all the information related to a particular person (full name, phone number, document data, etc.).
Data is processed and stored by credit institutions in accordance with the Federal Law "On Personal Data".
The client's consent to the processing of his personal data by the bank must be indicated in the loan application.
A client who is not a bank debtor can withdraw consent to the processing of personal data without any problems.
The credit institution will have to stop processing them and, in cases provided for by law, destroy them.
How to apply
For quite a long time, Sberbank, like other credit organizations, allowed you to apply for a loan only by personally contacting the office.
But this is not convenient for customers, as it requires additional time to visit the branch, where queues are created due to the large number of applicants.
But modern technology has made it possible to apply online and in fact all banks today offer such an online application form through the official website.
Applications for certain types of loans, for example, with third-party guarantees, can still be submitted to Sberbank only through a branch.
Sberbank accepts applications for consumer and most other types of loans from existing customers through the Sberbank-Online Internet banking system.
If a potential borrower also receives a salary through Sberbank, then they can provide a loan to him online.
For new customers, it is also possible to submit applications on the official website of Sberbank.
New and existing customers of Sberbank can also apply for housing loans via the Internet. For this, the credit institution created a special DomClick service.
Video: how to get a loan at Sberbank
Application for a loan from Sberbank
Each client must fill out a special application in paper or electronic form in order to receive a loan.
You can get a ready-made form for filling out at any branch of Sberbank, and its example is available for review.
Before filling out the application, it is best to consult with Sberbank specialists to provide all the necessary data.
Comment. Similar applications must be completed by all co-borrowers / guarantors, if they are provided for by the terms of the selected loan product.
The completed application form must be handed over to Sberbank employees, who will verify the data in the application with the documents and transfer the document to work.
The term for making a decision can vary significantly for different products and categories of borrowers.
For example, payroll customers of Sberbank on a consumer loan receive a decision on an application in a maximum of 2 hours, and it can take up to 10 days or more to check a mortgage application form.
Housing
Various housing loans from Sberbank are very popular among the population.
These are mortgages, loans for housing construction, the purchase of garages or parking spaces, etc. In fact, the application form for a housing loan from Sberbank is no different from the standard one, except for the section on the loan product.
Additionally, here you will need to indicate data on the real estate planned for acquisition (construction), the availability and desire to use maternity capital to repay the loan, the availability of the right to receive special rates on the loan.
consumer
A sample questionnaire for a consumer loan from Sberbank can be downloaded. It should be borne in mind that several consumer lending programs operate at Sberbank and some points when filling out an application will differ.
It will be possible to apply for a loan with a guarantor only through a branch, but the chances of its approval are much higher. During its execution, the questionnaires are filled out by both the borrower and his guarantor.
Features of entering information
All information entered into the application must be true. It will not be difficult to check any information for the bank, and an attempt at deception will be easily detected, and as a result, a loan will be refused.
There is no need to try to indicate additional income that does not exist in reality or otherwise improve your solvency or good faith in the eyes of the bank.
If the application is filled out in paper form, then a regular ballpoint pen should be used for this. No corrections or corrections to the application are allowed.
If a mistake is made, it is better to immediately rewrite the entire sheet of the document, this will save you from unnecessarily dragging out the procedure. With corrections, the application in any case simply will not be accepted.
The procedure for filling out the questionnaire
First of all, the borrower must indicate his personal and passport data, address of registration and residence, as well as contact information.
After that, you need to fill in information about income (main place of work and additional income), as well as family composition and marital status.
At the last stage of filling out the questionnaire, you must specify the parameters of the desired loan, as well as data on salary (pension) cards.
Required documents
Together with the questionnaire, the borrower (guarantor, co-borrower) must submit his passport, and preferably also SNILS.
A financial and credit organization (in this case, Sberbank), when applying for a loan under any lending program, has the right to require the client to provide comprehensive information about himself. Sberbank loan application form: sample applications and forms containing personal data, characteristics and other conditions are available for study below.
The procedure for filling out a form for a loan at Sberbank
This form is a six-page application that allows you to submit a loan application form. Only applications with correctly entered and correct data are reviewed and approved (or not) by the credit committee. The form can be filled in by any person related to the application: a bank manager, a guarantor, a lawyer, the client himself. The application itself can be made in written or printed form. The main thing is to enter all the information without missing a single section. It is advisable to write correctly right away, and if corrections are made, they must be accompanied by the signatures of the borrower or the one who fills out the form.Sberbank has a number of loan programs. Before applying, you should choose your loan option. But regardless of the choice (consumer loan, mortgage, car loan), the form that is issued at the branch or downloaded to the computer from the official website is the same. On five pages of the questionnaire, you should give comprehensive information about yourself, and only on the last page choose a loan program, indicate the amount of the loan. The sixth page includes the following columns:
- loan amount;
- currency;
- maturity;
- purposes of the loan: for consumer needs, for the purchase of real estate or a vehicle;
- additional loan options: standard option, secured, with a guarantee. You should also write detailed information about the housing or car being purchased: cost, year of construction or production, etc .;
- checking account for a loan.
Sberbank questionnaire for obtaining a loan: sample applications and forms
It is best to fill out the questionnaire according to a single model, signing in the right places:- after filling out the pages with personal information;
- after choosing a lending program;
- a signature confirming the relevance of the specified information.
View online file:
What documents are needed to apply for a loan?
An application form for a loan can be obtained at a bank branch or through Internet banking. Everyone will be able to understand the Sberbank questionnaire for obtaining a loan: samples of applications and forms are presented in an accessible way. To provide information about yourself, you will need a whole package of documents:- identity document;
- employment contract and book, any certificates from work;
- personal income tax form-2;
- documents for the right to own real estate, if a secured loan is taken;
- statements from salary and pension accounts, if any.
The procedure for filling out the questionnaire
The following fields should be filled in:- on whose behalf the application comes: from the borrower, trustee, guarantor.
- personal information (passport data). When changing personal information, be sure to note this, indicating the reason;
- communication: phone numbers: home, cell, work, etc. You can enter the contacts of authorized persons, co-borrowers, guarantors. The more information, the faster the application will be analyzed and considered;
- education;
- family information. The husband / wife must be indicated, since he / she is a co-borrower. If you wish, you can tell about other relatives. If one of the relatives works at Sberbank, this must also be indicated;
- place of work, position, length of service, employer data. If you wish to receive a loan under the program for individual entrepreneurs, you should mark the corresponding item;
- salary, additional sources of income, family budget, regular expenses (repayment of other loans, alimony, rent, etc.);
- information about any real estate or vehicles owned. If the house or car belongs only to, for example, the father, it is not necessary to indicate it;
- if there are salary or pension cards of Sberbank, indicate this.
Internet banking of Sberbank
Sberbank can offer a loan on individual terms if Internet banking services have been used for a long time. It is enough just to download the form and fill it out according to a single sample, if the offer received from the bank is of interest. But specify a different type of loan - "Individual offer". Along with the project, the bank also provides a key, which must also be entered in the application form. The completed form is sent through the feedback form of the service.The procedure for lending at a bank begins with the process of filling out a questionnaire. The questionnaire is designed to collect information about the client and allows the bank to check basic parameters, such as the validity of documents, the presence of an official place of work and the amount of income. Next, we will study what constitutes an application for a loan to Sberbank.
Features of applying to the bank
Before you apply for a loan, you need to study the features of lending at Sberbank. To do this, you can visit the website of the institution, which presents all the current loan programs. You can also download the borrower's questionnaire on the official server.
Loan programs are divided into:
- mortgage;
- consumer;
- car loans;
- refinancing.
The application form for a mortgage requires targeted confirmation. Therefore, documents on real estate are necessarily attached to the application.
Sberbank has many loan programs
Features of applying for a loan are:
- the questionnaire can be submitted online or with the help of a bank specialist;
- a Sberbank application form for a consumer loan is submitted only if you have a complete package of documents, which includes a passport, a second document to choose from: TIN, SNILS, driver's license, income certificates, education documents;
- if the loan is targeted, then it is necessary to provide documents for the property, for the car;
- a loan can be received in cash or transferred to a card, which is also noted in the questionnaire;
- information in the questionnaire must be entered accurately and reliably, since any mistake, typo or inaccuracy will lead to an automatic refusal;
- The term for consideration of the questionnaire depends on the amount of the loan and the program: the larger the amount, the more complex the program, the longer the application will be considered. On average, the terms are about 1 day. If the loan amount is up to 50,000 rubles, then a scoring check of the application is possible, and a decision on it is possible within 15 minutes;
- questionnaires for regular and salary customers are shortened, since the bank already has information about this person.
In general, the process of filling out the questionnaire is quite simple, but you need to prepare for it. A correctly completed application form is a 50% guarantee of approval. Therefore, before visiting the office of the institution, it is necessary to write out all the required telephone numbers, prepare documents and copies.
In the application, it is better to indicate a large number of landline phones (HR, accounting). This increases the credibility of the client.
Filling out the questionnaire, sample
Filling out the questionnaire is carried out either by a bank specialist or by the client independently online. The main blocks of the questionnaire:
- personal information: last name, first name, patronymic, date of birth, place of registration;
- information about documents (number, series of passport, as well as data of other documents provided by the borrower);
- work data: phone numbers, last name, first name, patronymic of the head, full name of the organization;
- information about contact persons: phone numbers and last names, first names, patronymics of friends and acquaintances with whom the bank can contact if it does not get through to the borrower;
- information about the collateral and the guarantor, if any.
Thus, the application form for a loan is quite simple and is completed within 10-15 minutes. The questionnaire is printed out and added to the client's file, so when you re-take a loan, you do not need to submit a new one. This will save a lot of time when applying. The approval process will take no more than 10 minutes.
Sample application for a loan
Is it possible to do without a statement
An application is not a survey. An application for a loan is called an offer. It comes only after the client's profile is approved. The loan application contains individual and general conditions. In individual conditions, the main parameters of the loan are prescribed: rate, term, amount.
General conditions contain general parameters for using the loan, for example, where you can pay the debt, how to deal with unforeseen circumstances, conditions for early repayment of the loan, and so on.
It is impossible to do without a statement, since under civil law an offer is the basis for a transaction. Accordingly, at the end of the offer, the signatures of both the client and the bank are put. After signing the contract, the client has obligations to the creditor.
Since after signing the contract, the loan is considered to be issued, before signing it is worth carefully studying the conditions. The main nuances that may be specified in the contract, but not announced to the borrower:
- increased interest rate. Sometimes the bank in their advertisements indicates low interest rates, which may change when applying. In Sberbank, the rate is set individually and depends on the category of the borrower, therefore, after obtaining approval, it should be clarified how much the overpayment awaits the client at the end of the term;
- reduced loan term or amount. These parameters can also be changed, since the bank sets the amount and term depending on the solvency of the borrower. If income is not enough for a given amount, then the bank sends approval, but with a lower loan amount;
- availability of insurance. This increases the chances of approval of the application, increases the loan amount, but reduces the interest rate. The presence of insurance is a guarantee for a credit institution to pay off a debt.
Thus, a client who has reached the age of 23 years can fill out a questionnaire for a loan. Submission of an application online is not a basis for the emergence of obligations for the client, but is only a preliminary application for a loan. And the solution obtained in this way is preliminary. For the final one, you need to contact the bank's specialists with a full package of documents.
Having made an important decision for yourself about the need for a bank loan, but not having decided on a bank, you should try using online lending. This method of obtaining a loan is both modern and very common. Sberbank is one of many that uses online lending in its work.
If a person is very busy or cannot come to the bank at the moment, but he needs information on the exact description of the procedure for obtaining a loan, as well as registration details or financial details, then you should pay attention to the online lending option. It should be noted that this method of obtaining a loan will be introductory. A preliminary study of the terms of the loan will help in the future with its direct registration.
On the Internet, on the bank's website, the types of loans are conveniently arranged in a table that clearly demonstrates the advantages of some types of loans over others, as well as their features. There are special filters on the site, with the help of which you can quickly determine the type of lending that is right for you.
First you need to visit the official website of Sberbank. When you go to the online application section, you will be asked to fill out an application, which is a questionnaire with certain information. You need to fill it out directly on the Sberbank website. The questionnaire asks for personal data (information is optional), the amount you would like to borrow, your income, and contact details to contact you. It is also necessary to scan personal documents and attach the scans to the application form. It should be noted that the security service of the bank strictly monitors the safety of confidential information.
So, you have applied online. After reviewing your application, a bank employee will call you. You need to understand that from this moment cooperation with the bank begins, so you should expect questions that you may be asked to clarify some points important for the bank. Treat this circumstance with understanding. An online application is only the initial stage on the way to obtaining a loan, it introduces the parties to each other. And you should not consider a positive answer at the initial stage of communication as a final decision in your favor. There are still many organizational moments ahead.
If a positive decision was received on your application in advance, then you must come to the branch of Sberbank, which is conveniently located for you, and actually apply for a loan. Using online lending, which saves you time, introduces you to the intricacies and features of the procedure, helps you navigate the difficult issues of obtaining a loan and avoid unnecessary negative emotions.
To submit an online application, the client goes to the Sberbank website and is authorized in his personal account. After entering the login and password, the user goes to the lending section. The third step is filling out the form and submitting the application. After that, it remains only to wait for consideration.
New customers apply at a bank branch, which means they need a printed application form. Forms for mortgage and car loans are presented on the lender's website and are available for download. To obtain a consumer loan, you will need to visit a bank branch and take a questionnaire there. After filling out the forms, they are transferred to the employee along with the documents.
Sample questionnaires and applications for a loan
It is convenient that you can view a sample application form for a home loan at Sberbank in advance on the Internet. This will help you understand what information you need to provide to the bank and prepare it. Examples of filling out the most popular types of questionnaires:
You will need a blank loan application form to complete. It is enough to download and print it, and then fill it out in accordance with the samples provided for various types of loans.
The procedure for filling out the questionnaire
Before visiting the bank to apply, make sure that you have the documents you need to process with you. In addition to your passport, you will need:
- certificate 2-NDFL - confirms the solvency of the client;
- a copy of the work book - indicates that the borrower has a job;
- TIN certificate and detailed information about the employer.
You can see a sample application form for a home loan at Sberbank above, but here you need to understand in detail how to fill out printed forms. First, in block letters with a pen, detailed information is entered in the empty fields, including:
- type of loan product - consumer, automobile or mortgage;
- personal, passport and contact details, as well as the role in the registration process;
- place of permanent or temporary registration, address of actual residence;
- information about relatives and marital status, information about education;
- information about the place of employment, income, employer, position, length of service;
- property (if any) that belongs directly to the borrower.
The next step is to check the forms and place signatures. After that, the documents are provided to the bank employee, and the application goes for consideration. You can also submit an online application form on the bank's website. It includes much fewer items, and its design takes a minute or two at most. This will make it easier to borrow in the future.