At what interest rate does Gazprombank issue consumer loans? Gazprombank: apply for a loan online. Submitting an online application at Gazprombank

Consumer loans from Gazprombank are issued in rubles as a lump sum or in the form of a line of credit. Applications are considered within five working days after submitting a complete package of documents (starting from the next day). The borrower can take out an insurance policy (health, life, etc.) from any insurer. If a vehicle serves as collateral, CASCO insurance is required.

"Easy loan"

Amount – 50 thousand to 3 million rubles, without collateral.
Duration: from 13 to 84 months.

“Consumer loan with collateral”

The program is intended for borrowers who want to receive a large amount for any purpose. This is a one-time loan for any purpose, which is issued under the following conditions:

amount – from 3 to 5 million rubles;
term: from 13 to 84 months.

"Refinancing of consumer loans"

Program for refinancing an existing consumer loan. Basic requirements for an existing loan: repayment of at least six months as of the transaction date, expiration of the term in at least 3 months.

Amount – 100 thousand to 3 million rubles.
Duration: from 13 to 60 months.

“Consumer loan for military personnel”

Issued to military personnel included in the NIS list for consumer purposes in the form of a one-time loan on the following conditions:

amount – 50 thousand to 500 thousand rubles;
period – from 13 to 36 months.

“Consumer loan secured by an apartment”

The loan amount is from 500 thousand to 30 million rubles, the loan term is from 1 to 15 years. An apartment owned by the borrower is accepted as collateral.

To choose suitable program You can use the Gazprombank consumer loan calculator. With its help, the monthly payment and the amount of overpayment are calculated.

How to apply?

To apply for a loan, you can contact an auditor from Gazprombank offices in Moscow or fill out a form on the website. In the case of remote application, the client provides information about himself, the required loan parameters and contact information. After this, a bank employee will contact the applicant and help select a suitable program.

If the borrower has already made his choice, he needs to submit a complete online application for a cash loan from Gazprombank. You will need to scan the necessary documents, including a printed and signed consent to the request to the BKI and the processing of personal information.

You will need a passport, SNILS, a document confirming income (a certificate or a certified original salary card extract). Additional documents confirming the borrower's solvency are welcome. If necessary, the bank has the right to request a copy work book, certified by the employer.

A citizen of the Russian Federation can take out a loan; permanent registration in the territory is required Russian Federation. Age restrictions: from 20 to 70 years. The client must have a good credit history and at least six months of experience at the current place of work (for salary card holders - at least 3 months).

Go to the Gazprombank website. Select the appropriate loan program:

Select the “Fill out an application” section in the menu on the left:

To request a call back, fill out the express form. A Gazprombank employee will call you and help you prepare documents.

If you want to submit a complete application and upload scans of documents, use the “Apply for a loan online” service.

Requirements for the borrower

Russian citizenship
From 20 to 65 years
Registration or permanent residence in the Russian Federation
Work experience from 6 months
Positive credit history

Required documents

Russian passport
SNILS
Income certificate or account statement
A copy of the work record, certified by the employer (optional)

About the bank

Gazprombank is large universal bank federal level. Founded in 1990 to serve the gas industry. Gazprombank heads the financial group of the same name, which includes Credit Ural Bank, GPB-Ipoteka, Eurofinance Mosnarbank and a number of other organizations. In 2019, Eurofinance Mosnarbank came under US sanctions, which is why Gazprombank plans to transfer its shares to the Federal Property Management Agency.

The bank is controlled by the Gazprom and Gazfond groups - together they own more than 87% of the shares. The bank's head office is located in Moscow. The regional network includes 20 branches, 344 branches and four representative offices in Kazakhstan, India, China and Mongolia. In addition, the bank owns subsidiaries in Belarus, Switzerland and Luxembourg. General license number - No., issued by the Central Bank on December 29, 2014.

Gazprombank actively serves large industrial enterprises in different sectors of the economy. He participated in the organization of a number of interstate projects, including the South Stream gas pipeline. The bank also offers all necessary services to private clients and small businesses. Among them are lending, deposits, bank cards, cash settlement services, investment services and many others.

Documentation

General conditions for providing consumer loans

You will learn how to log into your personal account on the official website of Gazprombank online. Detailed instructions for convenient and quick access to gazprombank.ru with screenshots and video instructions. A visual guide to recovering a forgotten password for personal account jar. We provide only the most current information.

Answers to popular questions

Is it possible to get a loan without coming to the Gazprombank office?

You can submit an online application and send scans of documents on the Gazprombank website. The bank will make a decision on issuing a loan within 5 business days and will notify you by phone or SMS.

To sign the contract and receive the money, you need to come to the office.

Our service is ready to analyze current offers and select the bank with the lowest interest rate.

Pick up

Wait, we are looking for the best offer: 17.0% loan.

We have selected several advantageous offers from banks with 12.0% per annum on loans.
The form to fill out is below.

If you want to send an online loan application to Gazprombank, then from this article you can find out how to do this. Applying for a loan online will help to significantly reduce the time it takes to receive the required amount of money, and favorable lending conditions will allow you to do this without unnecessary overpayments.

Filling out an online loan application at Gazprombank

Gazprombank is one of the most influential banks in the Russian Federation. It provides credit loans to both individuals and organizations at various levels. Such organizations include Rosneft, Russian Post, Inter RAO, RusHydro and many other influential organizations. At the end of 2017, the coverage network included more than 350 service points throughout Russia, as well as abroad. The following services are available to clients of this financial institution:

Lending (car loans, mortgage loans, cash loans, refinancing).
Accommodation.
Issuance and servicing of bank plastic cards.
Settlement and cash services.
Money transfers.

Based on the results of 2017, the bank showed strong profit growth, increasing its indicators by more than 25% compared to 2016 indicators.

Note! Gazprombank is one of the top three banks according to the financial ratings of major analytical companies.

To send an online application for a cash loan to Gazprombank, you must visit the organization’s official website and fill out the form posted there. Borrowers are offered two types of questionnaires – quick and complete.
When filling out a quick application, you must indicate your passport and contact information, place of permanent registration, desired loan amount and loan period. After checking the information entered, bank employees will contact you to confirm the correctness of the specified data and set a convenient time to visit the bank branch. It will take more time to complete a complete loan application, but it significantly increases the likelihood of approval. In addition, borrowers who completed the application form in electronic format, can receive a discount in the form of a reduction in the base rate by 0.5 percentage points. To confirm the accuracy of the entered data, scanned images are attached to the online application necessary documents, including a signed statement.

Important! Regardless of the chosen form of application, the loan will be processed and issued at the bank’s office.

Advantages of online loan application

The main advantage of remote access is the reduction in time required to visit a bank office. By agreeing on the date and time of visiting the bank, you do not need to wait in line. It is enough to come to the selected Gazprombank office and go through the loan application procedure. You can also find out in advance the likelihood of loan approval and how much you should expect. It should be remembered that each application is considered individually, so pre-approval is not a 100% guarantee of receiving a loan.

Types of lending

Today Gazprombank provides the following loan programs:

Consumer loan (with and without collateral).
For military personnel.
Refinancing of consumer loans.
Mortgage loans (for the purchase of housing in the primary and secondary markets, for NIS participants, mortgage refinancing).
Car loans.

Let's look at the consumer lending program as the most popular among borrowers. We remind you that you can apply for a loan online from Gazprombank on the official website of this financial institution.

Lending terms

Conscientious borrowers who apply for a cash loan and are ready to attract guarantors are offered the following conditions for receiving and using loan funds:

Interest rate – from 11.9-14.7% per year.
The maximum loan size is up to 3,500,000.
Loan term – up to 7 years.
Insurance is voluntary. If you refuse insurance, the bank has the right to increase the base rate by 0.5%.
The review period is up to 5 days from the date of receipt of the loan application and the requested package of documents by bank employees.
Form of repayment – differentiated and equal payments.
There are no restrictions or fees for early loan repayment.

In the case of a consumer loan without collateral, the conditions change according to the following points:

Loan rate – from 12.5-15.2% per year.
The maximum loan size is up to 2,000,000.

Important! The minimum rate is valid for salary clients applying for a loan from Gazprombank for a period of up to two years.

Advantages and disadvantages of lending at Gazprombank

The application processing period takes up to five days.
An increase in the rate if the borrower refuses personal insurance.
Minimum interest rate Available only to salary clients.
The loan is provided to employees of budgetary structures and persons with a positive credit history.

Low annual interest rate.
Long lending period.
Possibility of repaying debt with annuity and differentiated payments.
Possibility to take out a loan without collateral.
Providing a discount for persons who decide to apply online for a loan from Gazprombank.

Requirements for applicants

When applying for a loan, applicants should consider the following requirements:

Citizenship of the Russian Federation.
Age 20-65 years.
Permanent registration in the bank's service region.
Work experience at the current workplace is more than six months.
Full work experience – from one year.
Having a positive credit history, or working in a budget organization, or having a salary account with Gazprombank.
The borrower's average monthly income must be at least half of the monthly payment.

Note! These conditions are basic. During consideration of the application, additional requirements may arise.

Required documents

Before visiting the bank, you need to collect and prepare a basic package of documents:

A completed application form of the established form.
Original and copy of the passport of a citizen of the Russian Federation.
SNILS. When filling out an online loan application, you must indicate its number in the appropriate field.
Information about receipt of income - certificate 2-NDFL, information about regular receipts to a bank account, a completed certificate in the bank form.

To confirm the fact of employment, bank employees may request a certified copy of the work book, so we recommend preparing it in advance, before visiting a bank branch.
We remind you that you can apply online for consumer loan Gazprombank is open to salary clients, employees of budgetary structures, as well as persons with a positive credit history. If it is not possible to fulfill one of these conditions, we recommend using the services of the site, where you can get favorable lending conditions at any time.

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Gazprombank offers citizens over 20 years of age with a stable income and employment to take advantage of one of the loans included in the bank’s retail line:

Cash loan for military personnel up to 500 thousand rubles - available to NIS (Accumulative Mortgage System) participants aged 25 years or older. Issued for a period of up to 36 months and allows you to use loan funds for any consumer purposes.
Loan with a guarantor up to 5 million rubles - for borrowers for whom at least one solvent individual can vouch. The maximum loan term is 7 years. If the borrower fails to comply with its loan obligations to service the debt, the guarantor is obliged to repay it.
Loan secured by real estate up to 30 million rubles - provided for a long period of up to 15 years. With its help, you can purchase a new home without a down payment or pay for the purchase of an expensive car. The bank will ask to present documents confirming the intended use of loan funds.
Cash loan up to 3 million rubles - issued without collateral or guarantors for a period of up to 7 years. Borrowed funds can be used to purchase household appliances, pay for goods and services, carry out repairs in an apartment or house, as well as for any urgent needs.
Refinancing up to 3 million rubles - will help pay off current debt with a new loan at a lower rate. This will reduce the monthly payment and the amount of overpayment to creditors.

General requirements for the borrower

In order to count on receiving a loan from Gazprombank, a potential borrower must meet the standard requirements presented in the table:

For military personnel, the age must be between 25 and 45 years old on the date of loan repayment.

List of documents for obtaining a loan

To apply for a loan, a potential borrower must collect certificates from the list according to general conditions and sign a document confirming your consent to check your credit history.

For a loan secured by real estate, you must present to the bank the title documents for the collateral, an assessment report, and documents confirming the intended use of the loan funds.

How to get a loan from Gazprombank without certificates?

The bank does not provide loans without certificates confirming financial condition borrower.

How to reduce interest on a loan?

Loan from reduced rate available to participants of the bank’s salary project. For other categories of borrowers, you can reduce the interest rate when applying for a loan:

Secured by real estate - an apartment in apartment building on the secondary market. The bank may also accept additional collateral in the form of a car and/or a guarantee from a legal entity/individual.
With the guarantor - at least one solvent individual.

Why can Gazprombank raise the interest rate?

The bank will increase the nominal rate:

By 5% if you refuse personal insurance, depending on the category of the borrower.
By 1% if the borrower is not a salary client of the bank.

In addition, when choosing a loan secured by real estate, insurance of the collateral and title is mandatory, which increases the total cost of the loan and affects the final overpayment to the bank.

How to choose the most profitable loan from Gazprombank?

When choosing a loan from Gazprombank, carefully consider credit conditions and options that affect the interest rate.

Use it to calculate the monthly payment schedule and determine the amount of overpayment to the bank.
Don't forget about personal insurance, if refused, the loan rate may increase by 5%. In addition, when applying for a loan secured by real estate, you will have to insure the collateral, which will also affect the final cost of the loan.
Carefully study the tariffs for additional services that the bank offers when servicing a loan. Avoid excess services, as using them can significantly increase the overall cost of the loan.
Consider transferring wages to Gazprombank (for salary clients the rate is 1% lower).

Before signing a loan agreement, pay attention to the total cost of the loan (FLC); the lower its size, the more profitable the loan is for you.

Possible calculation of a cash loan in the amount of 200 thousand rubles, term 84 months, nominal rate 10.5%, if insurance is waived +5% - 15.5%:

How to apply for a loan?

There are two ways to apply for a loan from Gazprombank:

Find the nearest bank branch and personally contact the credit manager.
independently online on the official website of the bank.

The bank will review the application within 1-5 business days. For borrowers whose place of registration differs from the location of the bank branch where the application was submitted, the review period may take up to 10 business days.

After the application is approved and the loan agreement is signed, the borrowed funds are transferred to the borrower’s account previously opened with the bank. You can receive a loan - in one lump sum or in parts in the form of a credit line, depending on the selected offer.

Where and how to repay a Gazprombank loan?

The loan is repaid monthly according to the schedule. The bank gives the borrower the right to choose whether to pay the loan using annuity or differentiated payments. To do this, you can choose any method convenient for you:

The bank does not have a moratorium on early loan repayment. You can close the loan completely or make partial early repayment without penalties.

Lending conditions at Gazprombank are very attractive, especially if the borrower is a salary client of the bank. Also, do not refuse life insurance, as in this case the rates rise.

Programs

This year, Gazprombank offers the following types of consumer loans:

light - promotional offer;
with or without collateral (Gazprom shares, real estate, etc.);
refinancing;
secured by real estate;
for military personnel who participate in the savings mortgage program to provide housing for military personnel.

The main offer of Gazprombank is "Easy loan". To apply for it, just fill out an online application and wait for the bank’s decision. Interest rate - from 9.5% per annum. Amount - from 50 thousand rubles to 3 million. Term from 13 months to 7 years - depends on the category of the borrower and his age. For this offer there is no commission for issuing a day and reviewing the application.

Secured consumer loan issued at 9.8% per annum, provided that the borrower is a citizen of the Russian Federation, over 20 years old, has a good credit history and has been working in his last job for more than 3 months. The application is considered in more detail and takes up to 5 working days.

Secured by an apartment you can get an amount of 500 thousand rubles. up to 30 million for a period of up to 15 years. The rate starts from 11.9% per annum. At the same time, insurance of the property is mandatory, but the personal insurance of the borrower is voluntary.

Military personnel can get a loan from Gazprombank for personal purposes at 12.9% per annum. The maximum amount is 500,000 rubles.

Also at Gazprombank you can refinance loans from another bank the rate is from 9.5% to 15.5%, and the maximum amount is 3 million rubles.

Required documents

The required documents to obtain a loan from Gazprombank depend on which program the borrower has chosen. For example, an easy loan can be obtained by filling out an online application, while others require the provision of a larger package of documents. The main list includes:

application form;
original and copies of all pages of the credited person’s civil passport;
insurance certificate of state pension insurance or indication of its number in the application form;
documents confirming income: certificate 2-NDFL and the original statement of a bank account opened in GPB or another bank, which contains data on received salaries, certified by the stamp/seal of the bank and the signature of an official.

A copy of the employment document certified by the employer may also be requested.

To receive a loan, pensioners provide a similar package of documents with the exception of the original bank account/deposit statement. Instead, a certificate from the Pension Fund of the Russian Federation about the amount of the pension received can be provided.