Loan for major goals at Sovcombank

At Sovcombank, you can get a consumer cash loan on more favorable terms than at most other credit companies. The minimum loan amount here is 30,000 RUB, and the maximum is 30,000,000 RUB. You can get such a loan for a term from 1 year to 15 years.

At the same time, to apply for more than 5,000,000 RUB with interest, you will need to provide collateral — real estate. 

The minimum interest rate here is 14.9% per annum. And the full cost of the loan ranges from 14.885% to 29.414% per annum. The bank determines the overpayment for each borrower individually.

At Sovcombank, as in any other credit company, early loan repayment is available. Customers can make both partial early payments and fully pay off the entire amount required to close the loan agreement.

In the latter case, you need to notify the lender in advance of your intention to receive a statement with the recalculated amount required for full loan repayment.

If the borrower is late on payments, Sovcombank charges a penalty. Its amount is 0.05% per day of the overdue debt amount. In addition, the credit company transfers information about the delay to the Credit History Bureau.

Do not forget that even the most minor debt can cause a loan refusal in the future.

A loan from Sovcombank is available to almost everyone. Thus, the bank sets the following requirements for its customers:

• Russian citizenship;
• permanent residency in the Russian Federation;
• age from 18 to 85 years by the expected date of full loan repayment;
• work experience at the last job of at least 4 months, and for LLC owners and individual entrepreneurs, a business operation period of at least 1 year;
• official old-age pension or early labor pension (for pensioners).

As for documents, to apply for a loan, you will need to provide a Russian citizen's passport, a certified copy of your work record book, and an income certificate.

In addition, when applying for a consumer loan in the amount of 5,000,000 RUB or more, you will need to provide documents for the collateral real estate:

• a certificate of state registration of ownership, an extract from the USRR, or an extract from the USRN;
• an extract from the house register or a single housing document.

If a car is used as collateral, you will need to provide:

• vehicle registration certificate;
• vehicle passport;
• compulsory MTPL insurance policy.

As already mentioned, you can receive loan funds in cash at a Sovcombank branch, or by transfer to the Halva installment card. The Halva card itself can also be picked up at a branch or delivered by courier to your home.

Monthly consumer loan payments are deducted automatically from the Halva installment card. You can top it up using the following convenient methods:

• by transfer between your own accounts opened at Sovcombank;
• by transfer from cards of other banks;
• in cash through Sovcombank ATMs;
• in cash through ATMs of other banks;
• in cash through Sovcombank cash desks.

Short name: PJSC "Sovcombank"

Tax ID (INN): 4401116480

BIC: 043469743

KPP: 440101001

Correspondent account: 30101810300000000743

OGRN: 1144400000425