Dear Clients!
Due to the increasing number of requests from clients with information about receiving calls from prospective bank employees regarding obtaining information about personal data (passport details, card numbers, availability of deposits, etc.), we inform you.
If an application for a loan was not completed by individuals, including through remote banking service channels (bank corporate website, information kiosk, contact center), or the application was sent erroneously with its subsequent cancellation, bank employees provide personal information (passport data, account numbers, account balances, etc.) are not requested.
In addition, we draw your attention to the need to store (non-disclose) card details (number, expiration date, CVC2/CVV2 code value), as well as other confidential information: 3-D Secure password, login and password for logging into the Internet banking system , code card data for logging into the Internet banking system, SMS banking registration code, any one-time SMS codes sent by the Lender, etc.
Dear Clients!
WITH 01.08.2019 the conditions for repayment of interest under loan agreements valid as of 08/01/2019, concluded on the terms determined by the Bank, as well as in accordance with Decree No. 368, have changed. The Public Offer (Offer) for concluding an additional agreement to the loan agreement can be found below.
Public offer (proposal) to conclude an additional agreement to the loan agreement
This document, posted on the Internet on the website at www.asb.by by the Open Joint Stock Company Savings Bank Belarusbank, hereinafter referred to as the Bank, as well as in the newspaper SB - Belarus Today, is a public offer, that is, the Bank’s proposal to change the terms of repayment of interest on loan agreements valid as of 08/01/2019, concluded on the terms determined by the Bank, as well as in accordance with Decree of the President of the Republic of Belarus dated June 2, 2006 No. 368 “On measures to regulate relations in gasification of the exploited housing stock of citizens with natural gas" (hereinafter referred to as Decree No. 368), according to which the payment of interest for the use of the loan is carried out in the amount accrued on the balance of the debt for the period ( depending on the terms of the current loan agreement):
from the date of the last payment (the day the loan was issued) to the day preceding the payment repayment day (inclusive);
from the day following the day of the last payment (the day following the day the loan was issued) until the day of payment repayment (inclusive).
The Bank considers itself, under the conditions specified in this proposal, to have entered into an additional agreement to the loan agreement with an individual, hereinafter referred to as the “Lender”, who, subject to the conditions of this proposal in the manner prescribed by this proposal, will respond to this proposal (accept the proposal).
Acceptance of this offer (conclusion of an additional agreement to the loan agreement on the conditions set forth below) is the payment by the Borrower of the next payment to pay off the loan and (or) pay interest for its use.
1. The terms for repaying interest for using a loan should be stated as follows:
“When making a payment in the event of acceptance of this offer, interest accrued on the balance of the debt for the period from the date of the last payment or from the day following the day of the last payment is paid , until the last day of the previous month.
If the above payment is also the first scheduled payment from the moment the loan agreement is concluded, then interest accrued on the amount of the loan issued for the period from the day following the day the loan was issued to the last day of the month in which the loan (part of the loan) was issued is paid.
If the above payment is also the last payment, then interest is paid accrued on the balance of the debt for the period from the date of the last payment to the day preceding the day of full repayment of the loan (inclusive), or from the day following the day of the last payment to the day of full repayment of the loan ( inclusive) (depending on the terms of the current loan agreement).
For subsequent payments, interest accrued on the outstanding balance for the period from the first to the last day of the previous month is paid.
At the last payment, interest accrued on the outstanding balance for the period from the first day of the previous month to the day preceding the day of full repayment of the loan (inclusive) or until the day of full repayment of the loan (inclusive) is paid. (depending on the terms of the current loan agreement).
For loans using credit cards, if there are expense transactions that are not taken into account when calculating interest for using the loan, the Lender adjusts the amount of interest for using the loan in the month of reflecting expense transactions in the loan account without assigning unpaid amounts to the account of overdue interest payments.” .
2. The conditions for early repayment (repayment) of the loan should be stated as follows:
under loan agreements for real estate financing, as well as in accordance with Decree No. 368 - “The borrower has the right to make early full repayment of the loan with simultaneous payment of interest for the actual time of using the loan or partial repayment of the loan, in which the early repaid amount is counted towards future payments on a loan or when the Borrower applies, the loan payments are recalculated with the conclusion of an additional agreement to this agreement indicating the amounts of loan payments recalculated based on the balance of the loan debt and the remaining number of payment periods.”;
under loan agreements for consumer needs (with the exception of the “Time-Checked” loan and loans for consumer needs, repayment of payments for which is carried out in accordance with the repayment schedule) - “The borrower has the right to make full early repayment of the loan with simultaneous payment of interest for the actual time of using the loan during the period of validity of the loan agreement. Early repayment of part of the loan is allowed with payment of interest for the actual time of using the loan. In this case, the early repaid part of the loan is counted towards the repayment of future payments under the loan agreement, or when the Borrower applies, the loan payments are recalculated with the conclusion of an additional agreement to this agreement indicating the amounts of loan payments recalculated based on the balance of the loan debt and the remaining number of payment periods ;
under loan agreements for consumer needs, repayment of payments for which is carried out in accordance with the repayment schedule, under the loan “Time-tested” - “The borrower has the right to make full early repayment of the loan while simultaneously paying interest for the actual time of using the loan during the period of validity of the loan agreement. Early repayment of part of the loan is allowed with payment of interest for the actual time of using the loan.”
3. The additional agreement to the loan agreement provided for by this proposal comes into force from the moment of acceptance of this proposal and applies to the relations of the parties from 01.08.2019.
Information on payment of loans in the ERIP system
WITH 01.09.2019 In the ERIP system, a service has been introduced to pay for a loan from JSC "JSSB Belarusbank" for the current period in Belarusian rubles.
Payment of loans is made from the 2nd working day to the 25th day of the month inclusive (except for overdue payments, full repayment of the loan, future payments).
The service is available in self-service devices and remote channels of other banks, as well as RUE "Belpochta" and is located in the ERIP tree - "Settlement (ERIP)" / Banking services / Banks, NKFO / Belarusbank / Loan payment (current period).
It is possible to pay for loans issued at bank institutions in Minsk and the Minsk region, Mogilev and the Mogilev region.
Access to the service for paying for loans issued at bank institutions throughout the republic will be provided in stages.
To make a loan payment and identify the client, it is necessary to fill out a field with the name:
There is a hint for filling out the “Payment Details” field:
To display the loan requirement, pay attention to the correctness of data entry, i.e. The separator * is used between the loan agreement number and the last three digits of the passport
Payment of the loan for the current period is made according to the invoiced payment (downward adjustment of the payment is possible).
It should be taken into account that, according to the operating conditions of the ERIP system, funds for the payment made will be credited to the Lender's account on the next banking day.
According to the terms of the loan agreement, the day of repayment (repayment) of the loan and payment of interest for using the loan is considered the day on which funds are credited to the Lender's account or paid in cash to the Lender's cash desk.
Attention! During the period of restriction (from the 26th day of the month to the first working day (inclusive)) on payment of a loan from JSC "JSSB Belarusbank" in the ERIP system, it is possible to make a payment by bank transfer, including using the systems of JSC "JSC Belarusbank" Internet banking , M-banking, through information kiosks of JSC ASB Belarusbank, as well as by depositing cash into the cash desk of OJSC ASB Belarusbank.
Information on loan repayment
OJSC "ASB Belarusbank" informs about changes in the numbers of loan agreements for individuals received at branch No. 703, Central Bank No. 707, 709, 722.
In connection with the closure of branch No. 703 in Bobruisk, JSC ASB Belarusbank informs about changes in the numbers of loan agreements for individuals.
When performing transactions to repay loans received at branch No. 703, Central Banking Bureau No. 707, 709, 722, you must enter the numbers “703” before the loan agreement number.
For example: before changing the loan agreement number No. ХХХХХХ, after changing No. 703ХХХХХХ.
OJSC "JSSB Belarusbank" informs about changes in the numbers of loan agreements for individuals received at branch No. 714, CBU No. 708, 710, 712, 713, 721, 724, 727.
In connection with the closure of branch No. 714 in Krichev, JSC JSB Belarusbank informs about changes in the numbers of loan agreements for individuals.
When performing transactions to repay loans received at branch No. 714, Central Banking Bank No. 708, 710, 712, 713, 721, 724, 727, you must enter the numbers “714” before the number of your loan agreement.
For example: before changing the loan agreement number No. ХХХХХХ, after changing No. 714ХХХХХХ.
This loan repayment procedure does not apply to loan agreements whose numbers begin with No. 795xxxxxxxx.
OJSC "JSSB Belarusbank" informs about changes in the numbers of loan agreements for individuals received at branch No. 700, CBU No. 701, 706, 711, 715, 723, 725,726, 728.
In connection with the closure of branch No. 700, the Mogilev regional department of JSC "JSSB Belarusbank" informs about changes in the numbers of loan agreements for individuals.
When performing transactions to repay loans received at branch No. 700, CBU No. 701, 706, 711, 715, 723, 725,726, 728, you must enter the numbers “700” before the number of your loan agreement.
For example: before changing the loan agreement number No. ХХХХХХ, after changing No. 700ХХХХХХ.
This loan repayment procedure does not apply to loan agreements whose numbers begin with No. 795xxxxxxxx.
OJSC "ASB Belarusbank" informs about changes in the numbers of loan agreements for individuals received at branch No. 633, as well as at Central Bank No. 607, 609, 613, 615, 620, 623.
In connection with the closure of branch No. 633, JSC "JSSB Belarusbank" informs about changes in the numbers of loan agreements for individuals.
When performing transactions to repay loans received at branch No. 633, as well as at Central Banking Bank Nos. 607, 609, 613, 615, 620, 623, you must enter the numbers “633” before the number of your loan agreement.
For example: before changing the loan agreement number No. ХХХХХХ, after changing No. 633ХХХХХХ.
This loan repayment procedure does not apply to loan agreements whose numbers begin with No. 795xxxxxxxx.
OJSC "ASB Belarusbank" informs about changes in the numbers of loan agreements for individuals received at branch No. 612, as well as at Central Bank No. 602, 610, 616, 621.
In connection with the closure of branch No. 612, JSC "JSSB Belarusbank" informs about changes in the numbers of loan agreements of individuals.
When performing transactions to repay loans received at branch No. 612, you must enter the numbers “612” before the number of your loan agreement.
For example: before changing the loan agreement number No. ХХХХХХ, after changing No. 612ХХХХХХ.
This loan repayment procedure does not apply to loan agreements whose numbers begin with No. 795xxxxxxxx.
OJSC "ASB Belarusbank" informs about changes in the numbers of loan agreements for individuals received at branch No. 601, as well as at Central Bank No. 619, 632.
In connection with the closure of branch No. 601 and the carrying out of technical work to modernize the software, OJSC "JSSB Belarusbank" informs about changes in the numbers of loan agreements of individuals.
When performing transactions to repay loans to individuals received at branch No. 601, you must enter the numbers “601” before the number of your loan agreement.
For example: before changing the loan agreement number No. ХХХХХХ, after changing No. 601ХХХХХХ.
This loan repayment procedure does not apply to loan agreements whose numbers begin with No. 795xxxxxxxx.
OJSC "JSSB Belarusbank" informs about changes in the numbers of loan agreements for individuals received at branch No. 500 - Minsk Department, as well as at Central Bank No. 605, 606, 611, 624, 625, 626, 627
In connection with the closure of branch No. 500 - the Minsk Department, the creation on its basis of the Minsk Regional Department No. 500 and the carrying out of technical work to modernize the software, OJSC "JSSB Belarusbank" informs about the change in the numbers of loan agreements of individuals.
When performing transactions to repay loans to individuals received at branch No. 500, as well as at Central Banking Bank Nos. 605, 606, 611, 624, 625, 626, 627, you must enter the numbers “500” before the number of your loan agreement.
For example: before changing the loan agreement number No. 2425000000001, after changing No. 5002425000000001.
This loan repayment procedure does not apply to loan agreements whose numbers begin with No. 795xxxxxxxx.
OJSC "JSSB Belarusbank" informs about changes in the numbers of loan agreements for individuals received at branch No. 514
In connection with the closure of branch No. 514 of Minsk, the creation of Central Bank No. 514 of Minsk on its basis and the carrying out of technical work to modernize the software, OJSC ASB Belarusbank informs about changes in the numbers of loan agreements of individuals.
When performing transactions to repay loans to individuals received at branch No. 514, you must enter the numbers “514” before the number of your loan agreement.
For example: before changing the loan agreement number No. 2425000000001, after changing No. 5142425000000001.
This loan repayment procedure does not apply to loan agreements whose numbers begin with No. 795xxxxxxxx.
OJSC "JSSB Belarusbank" informs about changes in the numbers of loan agreements for individuals received at branch No. 614
In connection with the closure of branch No. 614 and the carrying out of technical work to modernize the software, OJSC "JSSB Belarusbank" informs about changes in the numbers of loan agreements of individuals.
When performing transactions to repay loans to individuals received at branch No. 614, you must enter the numbers “614” before the number of your loan agreement.
For example: before changing the loan agreement number No. ХХХХХХ, after changing No. 614ХХХХХХ.
This loan repayment procedure does not apply to loan agreements whose numbers begin with No. 795xxxxxxxx.
Proposal to change (extend) the repayment period for payments for December 2018 on overdrafts and payment of interest for using an overdraft (public offer)
www.asb.by Open Joint Stock Company Savings Bank Belarusbank, hereinafter referred to as the BANK, is a public offer, that is, the BANK’s proposal to change (extend) the deadline for making an overdraft payment and paying interest for using an overdraft under current account agreements containing conditions for overdraft lending concluded at the OPERA of the Head Office, CBU No. 524, branch No. 527.
The BANK considers itself, on the terms specified in this proposal, to have entered into an additional agreement to the current account agreement containing the terms of overdraft lending with an individual, hereinafter referred to as the LENDER, who, subject to the conditions of this proposal in the manner prescribed by this proposal, will respond to this proposal (accepts the offer).
Acceptance of this offer (conclusion of an additional agreement to the current account agreement containing the terms of overdraft lending on the conditions set forth below) is the payment by the LENDEE for December 2018 for the overdraft and payment of interest for its use.
The additional agreement provided for by this proposal to the current account agreement containing the terms of overdraft lending comes into force from the moment of acceptance of this proposal and applies to the relations of the parties from 01/03/2019.
Terms of the additional agreement to the current account agreement containing the terms of overdraft lending
The CREDIT RECIPIENT undertakes to make payments on the overdraft and pay interest for using the overdraft for December 2018 no later than 01/03/2019 (inclusive).
Proposal to change (extend) the repayment period for payments for December 2018 under loan agreements (public offer)
This document, posted on the Internet on the website at the address: www.asb.by by the Open Joint Stock Company Savings Bank Belarusbank, hereinafter referred to as the BANK, is a public offer, that is, the BANK’s proposal to change (extend) the payment deadline on the loan and payment of interest for the use of the loan for December 2018, under loan agreements concluded at the OPERA of the Head Office (except for loans issued using the Internet banking system), CBU No. 524, branch No. 527 and at the Mortgage Office.
The BANK considers itself, under the conditions specified in this proposal, to have entered into an additional agreement to the loan agreement with an individual, hereinafter referred to as the LENDER, who, subject to the conditions of this proposal in the manner prescribed by this proposal, will respond to this proposal (accept the proposal).
Acceptance of this offer (conclusion of an additional agreement to the loan agreement on the conditions set forth below) is the payment by the LENDEE for December 2018 to pay for the loan and pay interest for its use.
The additional agreement to the loan agreement provided for by this proposal comes into force from the moment of acceptance of this proposal and applies to the relations of the parties from 01/03/2019.
Terms of the additional agreement to the loan agreement
The LENDER undertakes to make payments on the loan and pay interest for using the loan for December 2018 no later than 01/03/2019 (inclusive).
Loan selection
Have you decided to take out a loan, but don’t know which one to choose? Our loan selection service will help you choose a loan based on your needs. Enter your preferences and compare available options.
Consumer loans
JSC ASB Belarusbank has provided consumer loans for any needs in terms of ease of use and repayment of loans for the purchase of a car, training, purchases of goods and services, as well as other needs.
Installment card
Need additional funding? – We offer an easy and profitable solution to financial problems, which will allow you to pay both in the territory of the Republic of Belarus and abroad, not only with your own funds, but also at the bank’s expense, thanks to the overdraft service on the Magnit installment card.
Overdraft lending
Don’t like to borrow money, but your own funds are not always enough to meet your needs? – Take advantage of all the benefits of an overdraft – a short-term loan provided by the bank through a debit bank payment card.
Real estate loans
Are you thinking about buying an apartment or building a house? – We offer financial assistance in the form of a loan for the construction or purchase of real estate, including as part of state support for citizens or in shared construction.
Just started working, but you need to buy a lot of things, but don’t have enough money for everything? Or maybe you dream of getting a good education, but it is expensive? Perhaps you are planning to have a baby using IVF? – For all these purposes and more, we have developed a whole line of preferential loans.
We offer leasing services for individuals. At affordable prices, you can lease vehicles, real estate, durable goods, or goods through joint programs. For the convenience of calculating payments, a leasing calculator has been developed.
Mortgage office
We will help you profitably and quickly resolve the issue of buying an apartment on credit. To provide a full range of services for real estate transactions, the country's first mortgage office has been opened, where you can get comprehensive advice on the preparation and issuance of housing loans.
Progress in considering an application for a loan (overdraft)
Have you applied for a loan (consumer or overdraft) and want to know what stage it is at? – We suggest using a specially developed online service for these purposes.
Issuing loans is a fundamental service for banks, including those operating in the territory of the Republic of Belarus. We will evaluate the features of obtaining loans by citizens of the country, and also analyze the important aspects of lending in the Republic of Belarus.
Main types of loans in Belarus:
Consumer. It is recognized as one of the most popular banks among clients. In this case, you can take money to satisfy personal needs: purchasing goods, spending on vacations abroad, and so on.
For business. A current option for a bank loan for individuals involved in the creation and development of their own commercial project.
Car loan. Another option for obtaining targeted loan funds. Applying for a loan of this type is beneficial when buying a car at a car dealership, since the vehicle can be used as collateral.
Mortgage loan. In this case, the opportunity to take out a bank loan will allow you to purchase residential real estate. Banks offer extended repayment terms for mortgage debt, due to the large volumes of funds issued in this case.
What aspects should be taken into account when choosing a loan in Belarus
There are several important criteria that a bank client should pay attention to when choosing a specific loan program. When deciding where it is better to take out a loan, it is worth evaluating the following characteristics:
Loan currency. Belarusian banks offer recipients some types of loans not only in the national currency. The choice depends on the specific goals of the client. Thus, loans in foreign currency are often obtained for business development.
Repayment terms. It is important to strictly follow them in order to avoid deterioration of your own credit history.
Interest rate. The amount that the client pays for the right to use credit funds.
Possibility to apply for a loan online. A service that simplifies the application process and saves time for bank clients.
To get a loan, you need to provide a certain package of documents to the bank. As a rule, this is a passport, a certificate of income from the place of work, a military ID for men. The potential loan recipient must be an adult and have a positive credit history.
The simplest option for receiving money from a bank at a certain percentage in today’s realities is to submit an online application for a loan. This can be done conveniently on our website through special forms. To do this, you need to select in advance the amount and exact repayment period of the debt, indicate additional features of receiving money, after which you can evaluate the offers of Belarusian banks and choose the most attractive one for yourself. Next, you need to provide personal information: name, phone number, city of residence. After this, your application for an online loan will be reviewed within one hour from the moment it is submitted.
Thus, the procedure for assessing creditworthiness in Belarusian banks has been simplified compared to the practice of past decades. However, the process of obtaining a loan requires the client to fulfill special conditions and is demanding in terms of repayment terms.
In the classic case, consumer loans in Minsk are taken to purchase items needed in everyday life. This could be furniture, home appliances, a car and everything that makes our life more convenient. Somewhat less often, borrowed money is needed to pay for treatment, repairs or vacation. Finally, they are also used to celebrate a special occasion, usually a wedding or anniversary.
Whatever the reason, a consumer loan is a quick way to get the necessary amount and not give up on your plans. However, before taking out a loan in Minsk or another city in Belarus, you should carefully read the offers of banks and compare them with each other.
It happens that the amount that the borrower has to repay to the bank includes additional payments. They hide behind florid phrases, the essence of which is quite difficult for a person to recognize. For example, in addition to the principal and interest on the loan, the amount to be repaid may include one-time or monthly fees. As a rule, they are associated with additional services that the lender is implicitly silent about at the time of concluding the transaction.
On our website, information about banking products in Minsk is presented accurately and clearly. With its help, everyone can determine for themselves whether a consumer loan is profitable or not. At the same time, we offer two ways to find the best option:
- Use the selection form. This is convenient if you want to take out a loan in cash or on a bank card; it is important to indicate the required amount or maximum repayment period.
- Explore the top 20 most profitable loans from leading banks in Minsk and Belarus. The offerings of these financial institutions are backed by reputation and, more importantly, customer reviews.
With us it is easy to get money in Minsk.
Loan rates
Calculation of a consumer loan has its own characteristics. Since it is issued for a short period, the interest rate is not high. In some cases, a bank client can use the services for free for a month by replenishing the missing amount on the card on time.
The interest rate is affected by:
- Official income of the borrower. A certificate of employment for the last six months is provided. It plays a decisive role in the amount of interest.
- Positive credit history. Promotes bank confidence and speeds up issuance.
- Age. Has an indirect relation. But it is important to understand that the disabled population and people of pre-retirement age may be refused a loan.
Advantageous consumer loans
Today, the financial market of Belarus can offer many interesting and attractive options for short-term loans for the population. You need to decide on the form of lending and the term. It is worth knowing that the services of state banks are cheaper.
Features of obtaining a consumer loan on favorable terms:
- issuance in national currency;
- small amount;
- working age;
- registration of insurance;
- early repayment.
Credit calculator
Loans for consumer needs of Belarusbank today are represented by a wide range of loan products, among which everyone can choose suitable option.
What kind of loans does Belarusbank issue, what are the requirements, what documents need to be prepared and how the application process works - in more detail below.
Belarusbank loans for consumer needs in 2020
ASB Belarusbank offers a fairly wide range of consumer loans in 2020 on fairly acceptable conditions.
All loans for consumer needs have a fundamental difference between each other– this is the purpose of lending money, that is, if money is required for education, then this is a loan for education from 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 loan application process. More detailed information on each type can be found on the official Belarusbank lending website.
Consumer loan
The loan is issued for consumer needs, also you can pay online for various services or goods. Features of Belarusbank consumer loans is that that it can be issued without guarantors.
Certificate of income not required in cases of receiving a pension/salary from Belarusbank and when receiving the amount of funds, which is calculated on the basis of net income on average per month, no more than 20 bases. units.
The size of the loan is affected by:
- If income is confirmed by a document or wages (pension) are credited to an account in Belarusbank, then based on the client's solvency.
- If the document confirming income no way to provide, then based on solvency, but taking into account the net income that the client receives on average per month, but no more than 20 bases. units.
- If the collateral 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:
| Submission procedure | Type of security | Period, months | The annual interest for use is floating and is calculated using the formula refinancing rate of the National Bank of the Republic of Belarus (10% from June 27, 2018) + percentage points established 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 linked to a debit bank card | Any, but within the framework of the legislative framework of Belarus | 12 | 13 |
| 24 | 13.5 | ||
| 36 | 14 | ||
| 48 | 14.5 | ||
| 60 | 15.5 | ||
| Penalty | 12 | 14 | |
| 24 | 14.5 | ||
| To a credit card | Insurance against the possibility of loan non-payment | 36 | 15 |
| 48 | 15.5 | ||
| 60 | 15.95 |
Credit “Successful update” up to 7 years
A loan for consumer needs “Successful Renewal” up to 7 years is issued for refinancing:
- Debt on consumer loans in the national currency and foreign which were received at Belarusbank.
- Debt on loans issued for consumer needs by Belarusian banks, in the national currency and foreign.
Compliance with 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.
- The security may be pledge, penalty, guarantee, etc., but within the framework of the law.
- The amount of credit funds is determined by the client’s wealth (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 client’s solvency, taking into account his average net monthly income, but no more than 20 bases. units
- Borrowed funds provided are transferred towards repayment debt on the applied loan.
Consumer loan “Time-tested”
A loan for consumer needs “Time Tested” is designed for clients of Belarusbank ASB who have accounts based on a salary project and who no 57 years old upon receipt of papers for registration. You can get a loan without a guarantor with the option of withdrawing in cash.
Contents of the credit report Provided based on established criteria:
Loans using the Internet banking system
Take out a loan for consumer needs through Internet banking maybe then when 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 online banking without certificates or guarantors.
Terms of the loan “Instalment without overpayments”:
- The amount is no more than 10 thousand rubles., but based on the client's solvency.
- Annual interest rate – 0.01.
- In the role of support a penalty appears.
- Loan funds are provided in Belarusian rubles transfer to OTS bank account.
- Credit period— from 4 to 36 months.
A loan for consumer needs “Internet-Bezalichny” has similar conditions, but differs in interest and method of provision:
- The loan is provided in the national 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 car loan 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% during the first 180 days, from 181–15.5% (refinance rate of the National Bank of the Republic of Belarus + 5.5%).
The amount of borrowed funds depends on the client’s ability to fulfill monetary obligations to the bank, based on the document provided with income display.
Security is provided by a guarantee from individuals. Borrowed funds goes to the accounts of 3 persons, that is, sellers.
Loans for the purchase of goods (works, services) from OTS
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" | "Instalment without overpayments" | Loan based on cooperation agreements with OTS |
|---|---|---|---|---|
| Conditions | ||||
| 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, no more than 2,500 rubles, if the loan is issued for a purchase from ATLANT CJSC | Not more than the price of the goods, but based on ability to pay | No more than 200 bases. Vel., but based on solvency |
| How is it issued? | Transfer to OTS account | Transfer to accounts of 3 persons based on invoice | Transfer to OTS account | Transfer to the account of 3 persons |
| Security | Penalty | |||
Consumer loans for youth
- Higher - the loan is issued at 13%, repaid for 5 years after finishing studies.
- Secondary specialized - loan is issued at 13%, repaid within 3 years after graduation.
The security is collateral, guarantors, etc.
Credit "Time to Live"
A loan for consumer needs “Time to Live” from 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 no more than 150 bases. units.
A loan is provided for pensioners using a bank credit card, the loan period is up to 3 years. The interest for use is 13.5% in 1 year, 14.5% in 2 and 3 years.
Pensioners who are associated with the Velvet Club are provided with a preferential loan for consumer needs, namely with a 1.5% discount on interest.
A loan can be secured by collateral, guarantee and other legal means.
How to get a loan from Belarusbank for consumer needs?
To take out a loan for consumer needs must comply Belarusbank's requirements for borrowers:
- Permanently reside in Belarus.
- Have a source of income on a permanent basis and the ability to confirm it.
- Be competent.
In order to get a loan, you need to visit a banking institution or use it remotely - fill out an online application on the bank’s website, through online banking, an information kiosk, or call the bank’s hotline - 147.
Also on the Belarusbank website are the locations and telephone numbers for consultation of lending departments in Minsk, but you can also use the search branches in cities such as Gomel, Vitebsk, Grodno, Brest, Mogilev, etc.
By phone you can consult and to choose the optimal lending option and find out the debt on loans already taken.
Required documents for submission to the bank:
- Passport.
- Certificate of income/account statement in Belarusbank, where income is accrued. In most cases, to obtain a loan for consumer needs, a document confirming income not necessary. With a certificate form for obtaining a loan (registration of a guarantee) at OJSC "ASB Belarusbank"
- For highly specialized loans you will need additional documents, so for the “Time to Live” loan you must provide a pension certificate, for a student loan – a certificate from the educational institution, for “Partner Optimal” – an invoice, etc.
- Consent of the client and the guarantor (if any) to verify their personal data and for the issuance of the corresponding document from the Credit Register of the National Bank of the Republic of Belarus.
Video on the topic:
For the convenience of Belarusbank clients offers to use designer of consumer loans.
The following parameters must be filled in:
- Desired amount.
- Desired payment.
- Earnings per month.
- Expenses.
- Type of security.
After filling out, the designer will select the most suitable options loans for consumer needs under the specified parameters.
Completing an online application for a loan at Belarusbank
To apply for a loan online, you must use the Belarusbank website. Thanks to this, an application can be submitted at any time, with only Internet access.
Online application you can apply for these types, How:
- "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, you must indicate the method of receiving money, complete by clicking at the bottom of the page buttons to agree to the terms and conditions and “Continue”
Next, you need to indicate income and expenses, choose whether 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 willing to lend you and how much you will need to pay on the loan per month.
Then required to fill out an application the borrower in the form of a questionnaire, indicating his personal data, address, telephone numbers, passport details, etc.
When the application has been sent, you need to wait for a call from the bank, to find out whether 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 calculation
The Belarusbank loan calculator 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 largest loan amount required to specify:
- Average earnings for the last three months.
- Payments for other loans.
- Expenses.
After this, the loan calculator will calculate the amount that needs to be repaid each month, namely by interest and the loan amount.