How to get credit holidays at Sberbank in 2024?

About credit holidays at Sberbank in 2024

When borrowers lose their jobs or become temporarily disabled, they find themselves unable to fully meet their obligations to the bank. In such cases, the lending institution often accommodates them and changes the terms of the agreement, for example, by reducing monthly payments through a loan term extension, or by granting a payment deferral for several months.

However, granting such measures is the creditor's right, not its obligation. Therefore, some clients end up with overdue debts, failing to reach an agreement with the bank.

Realizing this, the Government made the preferential holiday program permanent in 2024 for borrowers facing financial hardship. The advantage of this measure is that the bank cannot refuse to grant the benefit to a client if they fully meet the legal requirements.

Conditions for obtaining credit holidays at Sberbank in 2024

Approval for participation in the state support program can be obtained if all conditions specified in the law are met:

1. If you have experienced one of the following life situations and can document it: — Your official taxable income for the two months prior to applying for a credit holiday decreased by more than 30% compared to your average monthly income for the preceding 12 months. — You reside in residential premises located in an emergency zone, resulting in the loss of property and disrupted living conditions.
2. You have not previously been granted a holiday on this loan under Federal Law No. 106-FZ of 03.04.2020.
3. Furthermore, you have not previously been granted a credit holiday for this loan under a similar life situation pursuant to Article 6.1-2 of Federal Law No. 353-FZ of 21.12.2013.
4. At the time of applying for the credit holiday, you do not have an active military personnel holiday under Federal Law No. 377-FZ of 07.10.2022 or a holiday under Federal Law No. 106-FZ of 03.04.2020.
5. There is no entered-into-force judicial act regarding the loan, and compulsory enforcement measures are not being applied.
6. You have not been declared bankrupt in the manner established by law.

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How to get credit holidays at Sberbank in 2024?

First of all, only borrowers experiencing financial hardship can apply for a credit holiday at Sberbank—specifically those whose income level has decreased by more than 30% compared to the previous year.

Far from all low-income borrowers can apply for a credit holiday at Sberbank, but only those whose loans fall under the program's terms. In 2024, the requirements for loans are as follows:

• consumer loan for individual entrepreneurs — 450 thousand RUB;
• car loan with collateral — 1.6 million RUB;
• credit card — 150 thousand RUB.

What documents are required to participate in the program?

Since the state program is specifically intended for categories of citizens in need, the borrower will need to confirm their eligibility for the benefit.

To do this, they must provide one of the following documents of their choice:

• Personal income and tax amount certificate with information for the current and previous year.

• A certificate for the last 12 full months regarding the amount of income received that is subject to the professional income tax (PIT). The certificate must be signed with an electronic signature obtained from the Federal Tax Service of Russia.

• Income and expense ledger in the approved form for the current and previous year.

• If you are on parental leave, you may additionally provide a salary certificate from your employer and a document confirming the leave.

Additionally, Sberbank may verify the authenticity of the documents you submitted by sending requests to the Federal Tax Service, Pension Fund, Social Insurance Fund, or Federal Compulsory Medical Insurance Fund.

How to get credit holidays at Sberbank in 2024?

You can apply for a credit holiday in several ways:

• online on the official bank website in the "Borrower Support Programs" section;
• directly at a Sberbank branch;
• by calling the hotline at 8 (800) 200-82-00.

Supporting documents can be uploaded in the desktop version of Sberbank Online or brought to a bank branch. Sberbank reserves the right to refuse a deferral if you fail to provide documents confirming the income reduction.

Answering questions

To conclude the article, we will answer the most frequently asked questions on the topic.

Can I apply for a credit holiday for both a car loan and a mortgage?

Yes, you can request a deferral for each credit product.

For what period can I apply for a credit holiday?

You can apply for a payment deferral for a period of one to six months.

What should I do if the bank refuses to grant a credit holiday?

The most common reason for refusal is non-compliance with the program requirements, so you will not be able to influence the bank's decision. However, if you disagree with Sberbank's decision, you can file a complaint on the official website of the Bank of Russia.

Do I need to make any payments on the loan during the preferential holiday?

No, a credit holiday implies the absence of any payments. All penalties (if they were accrued before receiving the deferral) and interest will have to be paid by you at the end of the program.