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Belarusbank is a leader among banking institutions in the Republic of Belarus, owning a huge range of financial programs and services, offering them to individuals and legal entities. Anyone can become the owner of a consumer loan from Belarusbank, even if they have a bad credit reputation, subject to certain conditions. The interest rate will depend on this. It is necessary to indicate the purpose of receiving the loan.

Bank lending programs

There are several of them, the favorable conditions will depend on the package of documents provided. The most common is for consumer needs. The maximum received on the loan is eight thousand rubles in national currency, the actual amount can be obtained in accordance with the borrower’s creditworthiness. The interest rate for a period of up to 12 months is 20 percent, for a period of up to five years - at 24 percent per year.

You can apply for a loan on the credit institution’s website by filling out an application online. To do this, you don’t need to leave your home, just have a computer or other device with Internet access. The site asks you to fill out an application form with complete and correct indication of all personal data. The borrower must have permanent registration on the territory of the republic and be its citizen. Proof of official income in Belarus is required.

Documents required for registration:

In addition to the official website, the application can be completed at any of the branches of Belarusbank, through an information kiosk or by calling the contact center.

To a potential borrower

Belarusbank uses in its practice special programs loans aimed at various consumer needs and of a social nature - for example, to support children for study or for young families, which provide the most transparent conditions and reduced interest rates. There are offers with a minimum interest rate for the first months of using loans. The tactics used are the possibility of obtaining the desired amount on the most favorable terms for each potential borrower. Applying for a consumer loan is available not only to citizens of the republic, but also to foreigners and stateless persons legally staying and permanently residing in the country - all you need is a passport and a certificate of official income. The interest rate depends on the volume of the loan, the duration of the agreement and the creditworthiness of the client.

Loans from Belarusbank are also issued upon collateral of movable and immovable property, on depositary terms, in the presence of guarantors or various types of insurance. The loan is issued quite quickly, upon presentation necessary documents A preliminary decision is given, and a final decision is given a few days later. Then the money is credited to the client's account. Repayment is possible in any available way.

Belarusbank offers loans for consumer needs to everyone living in the Republic of Belarus. This is an excellent opportunity to make a long-awaited purchase.

At Belarusbank, everyone will find the optimal loan product for themselves. The bank’s specialists did a good job of creating consumer lending programs, making loans even more accessible to all categories of the republic’s population.

In this article we will analyze current loan programs from Belarusbank. Perhaps someone will like some kind of loan after reading this article.

Belarusbank has a loan that covers expenses for consumer needs. This loan can be used to pay for goods and services, even if they were purchased on the Internet.

Let's consider the bank's requirements 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 the Republic of Belarus

It is noteworthy that this cash loan can be obtained by both a citizen of the Republic of Belarus and stateless persons residing permanently in the Republic of Belarus.

So, the following loan conditions are available to the applicant:

Method of issuing a loan: by bank transfer or credit payment card jar
Procedure for paying off debt: actually for the period of using the loan
Cash loan amount: individual

The loan amount will be calculated based on the monthly income of the borrower. By the way, the loan rate will also depend on some factors (consent/refusal of insurance, loan term, etc.).

Let's call this a standard consumer loan and consider other current bank offers aimed at consumer needs.

Loan product “Time to Live”

This type of cash loan is designed for consumers who have reached retirement age. However, there is a caveat that persons entitled to receive a pension in accordance with the legislation of the Republic of Belarus can apply for this loan.

Advantages of this loan:

Lower credit rate
Possibility to apply for a loan without proof of income
Customers can buy goods and services online
The applicant is provided with several ways to register an application

Under the terms of this loan, the applicant can count on the following loan conditions:

Providing a loan amount for a loan payment card
Cash loan amount: in an amount not exceeding 150 basic units within the borrower’s solvency
Loan collateral required

Possible collateral: surety individuals, pledge and any other methods of securing a debt obligation provided for by the legislation of the Republic of Belarus.

It is noteworthy that the credit tariff 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 that were issued in Belarusian rubles or in foreign currency. But it is important that the bank provides the opportunity to use this loan program only to refinance loans that were previously issued specifically at Belarusbank.

This loan can be issued without a guarantee, and if the borrower is also a salary client of the bank, then he will not need to confirm his income with certificates.

Credit terms:

Method of issuing a loan: non-cash transfer to pay off the principal debt on a refinanced loan
Interest payment procedure: upon use of the loan
Credit amount: depending on the client’s solvency
Security: any option provided for by the legislation of the republic

Although the amount of the cash loan depends on the solvency of the borrower, it 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 outstanding balance on the loan, but using the loan for up to 1 year: 20%
Balance over 1 thousand rubles, and use of the loan for up to 5 years: 21%

Let's quickly go over the requirements for borrowers who want 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 seeking permanent residence in the Republic of Belarus
Availability of a permanent source of income in the Republic of Belarus

Submit your application in a way convenient for you and the bank will certainly notify you of its decision as soon as possible.

Credit "Time Tested"

Provides for issuing 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 internationally 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 solvency of the borrower.

Belarusbank provides several ways to register a loan application. The applicant only needs to choose the most suitable method for him and fill out the bank’s application form.

Methods for registering an application at Belarusbank:

At a bank branch
Through the Belarusbank information kiosk
In the M-Banking system
On the corporate website of Belarusbank
Via contact center

As you can see, the bank made sure that it was 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 an application in any way, except for a visit to a bank branch.

Documents for obtaining a loan

To document a loan obligation to the bank, you need to collect a certain package of documents.

The standard list of papers that will be needed to conclude a loan agreement is as follows:

Passport of the applicant (and guarantor)
Income certificate or bank account statement for the last 3 months.
Consent of the applicant and guarantor to the processing of their personal data

Please note that certificates are only valid for 30 days.

If necessary, the bank manager will clarify what other documents are needed to conclude a loan agreement, but this is individual in each case.

The easiest way to get a loan is for salary clients, since the lender has the necessary information about the borrower. Such clients just need to fill out an application and prove their identity with a passport.

Belarusbank has a lot of consumer lending programs. There is also a separate section of loans for the younger generation, as well as educational loans. Keep an eye on the bank's current loan offers and you will definitely find a loan product that will provide favorable lending conditions.

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

About the bank

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

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

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

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

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

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

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

Required documents

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

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

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

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

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

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

Loans for consumer needs can be obtained in several ways:

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

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

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

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

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

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

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

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

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

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

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

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

Additional documents

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

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

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

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

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

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

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

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

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

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

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

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

Internet "Cashless"

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

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

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

Who can use the service

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

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

Agreement conditions

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

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

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

Documentation

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

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

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

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

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

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

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

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

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

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

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

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

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