Go to the Gazprombank website. Choose a suitable loan program:

Select the section "Fill in the application" in the menu on the left:

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

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

Borrower requirements

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

Required documents

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

About the bank

Gazprombank is a large universal bank at the 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, Evrofinance 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 Rosimushchestvo.

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 the necessary services to private clients and small businesses. Among them are lending, deposits and deposits, bank cards, Cash settlement, investment services and many others.

The documents

1. General conditions for granting consumer loans

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

Answers to popular questions

Can I get a loan without visiting Gazprombank's office?

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

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

It will not be difficult to find a really profitable program of non-targeted lending - in the portfolio of Gazprombank consumer credit presented by various options designed for all categories of citizens and needs. With a thorough study of the conditions and preparation of the necessary package of documents, the bank's clients get the opportunity to attract borrowed funds at a low interest rate.

The main provisions of consumer lending in the bank

Thanks to a consumer loan at Gazprombank in 2018, many borrowers have the opportunity to use additional funds for expensive acquisitions or urgent needs, without the need to agree on the purposes of use.

Non-targeted programs at Gazprombank in 2018 are presented in the following categories:

• standard loans to individuals of all categories (with or without collateral);
• special offers for privileged groups of clients;
• refinancing programs for loans received from other banks at a higher interest rate.

Anyone who qualifies as a lender has a high chance of getting a loan approved:

1. Russian citizenship.
2. Age over 20 years old.
3. At the time of full repayment, the age should not exceed 60-65 years (depending on the gender of the borrower).

The rate charged for the use of borrowed funds depends on the requested data on the loan. You can reduce the interest of the bank if you take out a loan on the following conditions:

• minimum maturity;
• registration of collateral;
• purchase of an additional personal insurance policy;
• the client's belonging to a privileged category (for employees of partner organizations of the bank or employees of the public sector).

The selection of the program depends on many circumstances:

1. Compliance of the client with the requirements of the lender.
2. Sufficient and stable income.
3. Having a positive reputation of the candidate.
4. Willingness to provide additional security and guarantees of return (deposit, insurance).

The first thing that needs to be done to obtain a loan on favorable terms is to calculate for what amount, at what percentage and term a potential borrower can count on. Further actions for choosing a specific program will depend on the main parameters of possible lending, based on the information on the loan calculator.

Clients intending to take a consumer loan are advised to start the registration procedure with a preliminary calculation of the amount possible for approval, the amount of the expected payment, and the optimal term. With the help of a special calculator posted on the bank's website, you can estimate in advance your chances of receiving the required amount and your payment options for further repayment.

By entering basic parameters and information about his income, the borrower selects one of the most optimal options cooperation. Within the framework of inappropriate financing, Bank GPB allocates three main areas - for Gazprom shareholders, military personnel, and other categories of individuals. The loan calculator takes into account the possibility of a special offer for clients of a salary project, legal entities, pensioners, and private entrepreneurs.

In addition to the main monthly payment, the client can receive information about the interest rate and overpayment in favor of the bank, as well as find out the possibilities of early repayment - full or partial.

The standard list of documents includes the basic papers required to identify a person's identity and income.

To contact the bank, you will need the following papers:

1. Completed application of the established form (you can fill out an electronic form).
2. Civil passport, another equivalent document that allows you to verify your identity.
3. SNILS.
4. Certificate of earnings (2-NDFL, in the form of a bank), other income (statement of bank accounts reflecting salary transfers, deposits with accrued interest, etc.)
5. Employment record book or a copy certified by the employer (not required in all cases).

The documents confirming the client's income must contain information for the last six months. The minimum duration of employment with the last employer must be at least 3 months.

In addition to the standard portfolio of offers, Gazprombank periodically holds promotions, within the framework of which especially lucrative programs appear.

In December and until January 31, 2018, the New Year loan program is being implemented at Gazprombank, which allows borrowing up to 3.5 million rubles for a period of up to 7 years at 11.9-14.25% per annum. The value of the interest rate on the loan directly depends on the maturity - the shorter the term, the lower the interest. In addition, filling out an application online through the official Internet resource of the bank will allow you to take advantage of an additional 0.5 percent discount.

The following table presents the main programs that are relevant to borrowers today.

Based on the nuances of lending, the category of an individual, the procedure for submitting a preliminary application, the final value of how much the interest rate can be increased or decreased depends on the following circumstances:

• refusal from insurance increases the rate by half a percent on all types of consumer loans;
• assignment of an individual to the category of a salary project with the receipt of labor income to an account opened with a given financial institution reduces the rate by half a percent;
• making a preliminary request for a loan through the site will allow you to take advantage of an additional half percent discount.

For citizens receiving non-state pensions through the Gazfond NPF, there are special conditions for lending without a designated purpose.

Citizens under the age of 65 can also receive a loan, provided that they are employed and receive wages. However, preferential options do not apply to them.

The peculiarity of the loan for pensioners who have made transfers through the non-state Gazfond lies in the possibility of profitable loans, despite their advanced age. You can return the funds borrowed from the bank until you reach your 70th birthday.

The conditions of the consumer loan for retirees include the following characteristics:

1. The limit of funds is at least 50 thousand rubles.
2. The maximum size is up to 2 million rubles. In the absence of collateral, if by the time of repayment the borrower's age reaches 60 years, the credit limit is limited to 600 thousand rubles.
3. The payment is calculated in an annuity or differentiated way. If the payer is interested in a stable deduction of equal payments, the annuity method of calculation is chosen. With differentiated, it is most profitable to make early repayment.

Depending on the length of the repayment period, the interest rate is assigned:

• secured for up to 2 years - 13.25%, unsecured - 13.75%;
• with collateral up to 5 years - 14.2%, unsecured - 14.75%.

The refusal of an individual from the recommended insurance can increase the rate as an additional measure to guarantee a full and timely refund. In the absence of a contract, the insurance rate increases by 1%.

To reduce the overpayment of a loan by 0.5%, sending an online application through the site will allow.

With all the variety credit offers borrowers of Gazprombank can be sure of complete transparency of all processes under the agreement. The possibility of refinancing an existing loan with an additional amount issued, as well as a significant repayment period, adds a special value to cooperation with the organization. This will allow borrowers to borrow substantial amounts at low interest rates, sufficient for large purchases, effectively replacing targeted financing programs. For example, instead of applying for a car loan at a bank branch, they can give a simpler and more profitable consumer loan with a minimum of requirements and a low interest rate. Non-earmarked lending is an excellent alternative to mortgage programs if the future owners have already set aside the amount for the down payment. Perebzaim makes it possible to solve many financial issues without the need to enter encumbrances, with the possibility of profitable early repayment and additional benefits for regular and reliable customers from the lender.

Will share

Will share

Gazprombank Loan Calculator will help to calculate a consumer cash loan in 2020: the amount of monthly loan payments and payment terms for early repayment. Use the official online calculator the site is free!

Living on credit is convenient and practical. Consumer loans have become part of the life of Russians. Cash loans are especially popular among borrowers. Lending in 2017 - 2018 will delight you with a variety of offers for individuals.

To choose the most interesting and profitable of them, to plan early repayment of the loan, you need a financial instrument. This is exactly what the Gazprombank loan calculator is: convenient, intuitive, free.

Lending terms

• Borrower age: 18 to 75 years old (at the time of repayment);
• Minimum amount: 30,000 rubles;
• Maximum amount: 5 million rubles;
• Term: from 3 months to 5 years;
• Loan issuance fee: none;
• Security: sureties of individuals - citizens of the Russian Federation (no more than 2).

Interest rate on the loan

We are gradually filling this section. It's worth a little wait :)

Gazprombank serves key sectors of the Russian economy and is indirectly controlled by the state. The Bank offers 3 consumer lending programs: for holders of shares in OAO Gazprom, for military personnel, and a program for consumer loans.

Loan repayment calculator allows you to calculate online the amount of payment, interest and overpayment for loans with early repayment, with partial early repayment.

Loan calculator will calculate:

• For holders of salary cards
• For legal entities.
• For individuals.
• For retirees.
• For individual entrepreneurs.

The conditions for granting a loan depend on the purpose of the loan, and determine: the required package of documents, interest rates, the amount of funds allocated. A bank loan can be taken:

• Cash.
• Small business development.
• To buy a car.
• For the purchase of housing, for the construction of a house.
• Refinancing.

Lending terms at Gazprombank are very attractive, especially if the borrower is a payroll client of the bank. Also, do not give up life insurance, as in this case the rates go up.

Programs

The following types of consumer loans operate in Gazprombank this year:

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

The main offer of Gazprombank is « Easy loan» ... To issue it, you just need to 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 proposal, there is no commission for issuing a day and considering an 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 last place for more than 3 months. The application is considered in more detail and takes up to 5 working days.

On the security of an apartment you can get an amount of 500 thousand rubles. up to 30 million for up to 15 years. The rate starts at 11.9% per annum. At the same time, insurance of the real estate object is mandatory, but the personal 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 in Gazprombank you can refinance loans from another bank rate from 9.5% to 15.5%, and the maximum amount is 3 million rubles.

Required documents

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

• application form;
• original and copies of all pages of the general civil passport of the credited person;
• insurance certificate of state pension insurance or indication of its number in the application form;
• documents confirming income: a 2-NDFL certificate and an original statement of a bank account with a deposit opened in GPB or another bank, which contains data on received salary, 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 obtain a loan, retirees 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 received pension can be provided.

A cash loan at Gazprombank can be obtained after signing the agreement at the cash desk.

Gazprombank cut rates on consumer loans in 2020. See how favorable interest and conditions the bank offers today for ordinary individuals and holders of salary cards.

In this review, we will analyze what credit programs are currently presented in Gazprombank (GPB). How best to take a consumer loan, who can do it and what documents are needed. An online calculator will help you calculate the payment and overpayment.

In the line of Gazprombank loans in 2020, there are a number of loans for individuals for a wide variety of purposes:

Note that today in GPB you can get money on special conditions - the bank is running an action to reduce interest rates on cash loans. However, first things first.

All Gazprombank consumer loans to individuals

Let's consider under what conditions and at what interest rates Gazprombank will issue consumer loans to individuals in 2020.

Loan calculator

Easy loan from Gazprombank (share)

This is Gazprombank's consumer loan for individuals, which can be obtained without guarantors or any other collateral. You can borrow up to 3 million rubles for up to 7 years.

Conditions

• Term: from 13 months. up to 7 years old;
• Min. amount: 50,000 rubles;
• Max. amount: 3 million rubles.
• Security: no.

Interest rates

Discount:
8.5% per annum for Gazprombank's salary clients when applying for and obtaining a loan using a non-visit technology in a mobile application.

Allowances:
+ 5 - 6% in case of refusal from personal insurance.

Borrower requirements

Calculate payment and overpayment on credit

Secured consumer loan

This loan from Gazprombank for individuals allows you to get a fairly large amount from 3 million to 5 million rubles for a long term - up to 7 years. Its peculiarity is that money is issued against the guarantee of individuals. You can attract one or more guarantors, depending on the required amount.

Conditions

• Term: from 13 months. up to 7 years.
• Min. amount: 3 million rubles;
• Max. amount: 5 million rubles;
• Security: surety of an individual.

Interest rates

from 9.5% per annum.

Allowances:
+ 1% for all borrowers except Gazprombank's payroll clients;
+ 5% in the absence of an insurance contract or its termination.

Borrower requirements

• Age: from 20 to 70 (on the date of refund) years;
• Work experience: at least 1 year, of which at least 3 months - in the last job.

Doesn't fit? See conditions of consumer loans in

Consumer loan for military personnel

This is a loan from Gazprombank for individuals, which the security forces can issue. It is distinguished by a small amount (up to 500 thousand rubles) and a short term - up to 3 years. Another feature: the age of the borrower must be between 25 and 45 years old (at the time of repayment).

Conditions

• Term: from 6 months. up to 3 years.
• Min. amount: 50,000 rubles;
• Max. amount: 500,000 rubles.
• Security: no.

Interest rates

from 12.9% per annum.

Allowance:
+ 0.5% for all borrowers except Gazprombank's payroll clients.

Borrower requirements

• Age: from 25 to 45 (on the date of refund) years;

Not profitable? See rates on cash loans in

Consumer loan secured by an apartment

This loan is suitable for those who need a large amount. Gazprombank is ready to provide up to 30 million rubles on the security of the client's real estate for a period of up to 15 years. Many people call this type of lending "a mortgage without a down payment." But since the funds received can be spent not only on the purchase of real estate, but for any purpose, the loan still belongs to consumer loans.

Conditions

• Term: from 1 to 15 years.
• Min. amount: 500,000 rubles, but not less than 15% of the value of the property;
• Max. amount: 30 million rubles;

Interest rates

from 11.9% per annum.

Allowances:
+0,5% for clients who do not have salary credits to accounts opened with GPB.

Borrower requirements

• Age: from 20 to 65 (on the date of refund) years;
• Work experience: at least 1 year, of which at least 3 months - in the last job;
• No negative credit history.

Requirements for collateral

As a deposit, you can leave an apartment that meets the following requirements:

Owned;
located in Russia;
is not the only home of the borrower;
no one should be registered in it.

Additionally, you can leave other real estate or a car as a pledge, as well as find a guarantor.

Not good? See interest on loans

Gazprombank loan for the re-equipment of the vehicle (share)

This type of loan may be of interest to motorists who are planning to convert their car to gas. Now it falls into the category of promotions and has a reduced interest rate. You can get up to 3 million rubles for up to 7 years.

Conditions

• Term: from 13 months. up to 7 years old;
• Min. amount: 50,000 rubles;
• Max. amount: 3 million rubles.
• Security: no.

Interest rates

Discount:
8.5% per annum for Gazprombank's salary clients when applying for and obtaining a loan using a non-visit technology in a mobile application.

Allowances:
+ 5 - 6% in case of refusal from personal insurance.

Borrower requirements

• Age: from 20 to 70 (on the date of refund) years;
• Work experience: at least 1 year, of which at least 3 months - in the last job.

Doesn't fit? See the terms of cash loans in

How to get a loan from Gazprombank

If you decide to try to get a consumer loan for individuals at Gazprombank, then you have to do a few standard steps.

1. Fill out the application on the official website, in the mobile application or at the nearest Gazprombank office.
2. Within 1-5 working days, GPB will consider it and send an SMS with a message about the results. Moreover, if you are submitting an application not at the place of permanent registration, then the period for consideration of the application can be increased to 10 working days.
3. If the decision is positive, then you will have to go to the bank office to sign the necessary documentation. Those who use the Internet bank or mobile application can receive money without visiting the bank.
4. The bank will transfer funds to your account.

Who can get a loan

Above, talking about the various credit programs of the bank, we have already touched upon the requirements for borrowers. They differ slightly for each type of loan. This mainly concerns age. In most cases, it is between 20 and 70 (at the time of full refund) years. But there are general criteria:

• Russian citizenship;
• registration or permanent residence in Russia;
• lack of negative credit history.

But the main thing is that the borrower's income allows receiving and servicing the requested loan amount. In order to convince the bank of its solvency, it is required to provide the most complete package of documents.

See what interest on loans the bank offers

Does Gazprombank give loans to pensioners?

Of course. Pensioners can also take out a consumer loan at Gazprombank, the main thing is that at the time of full repayment of the money under the agreement, they are not 70 years old. True, today there are no special (preferential) lending conditions for pensioners in GPB.

See the conditions and rates of loans for retirees in

What documents are needed for a loan at Gazprombank

When applying for a Gazprombank loan for individuals, you must submit a whole heap of certificates and documents:

1. Application form;
2. Passport of a citizen of the Russian Federation;
3. Proof of income. This could be:
   certificate on the form 2-NDFL;
   bank statement;
   a certificate of the amount of the paid pension issued by the authorized body, and a certificate from the NPF, if any (for non-working pensioners);
   a certificate of life support - for retired judges.
4. A copy of the work book, certified by the employing company.

To obtain a loan, Gazprombank's salary clients only need a passport of a citizen of the Russian Federation.

Is it necessary to take out insurance

No. The insurance is voluntary, it is valid for the entire term of the loan and does not affect the decision on its approval. However, when taking out insurance, the interest rate will be significantly lower.

How to return money to the bank

Gazprombank is one of the few banks in Russia, which in most cases allows the client to decide for himself how to repay the loan: annuity (equal) or differentiated payments. And, of course, you will have to return the money with interest on a monthly basis, according to the payment schedule received at the bank.

Full and partial early repayment of the loan is also possible. There is no moratorium on early repayment of the loan or any penalties for this.

See also the conditions of consumer lending in

Conclusion

Gazprombank in recent times pays more and more attention to working with clients - individuals. Accordingly, he has to compete with such "monsters" as Sberbank or VTB. This competition clearly benefits GPB.

The list of credit programs in the bank has now become simpler and more understandable. It is not difficult to understand it. This is a clear plus.

In addition, Gazprombank quite often holds promotions, reducing interest rates on loans. Even today, money can be obtained at relatively low interest rates.

Of course, the bank's salary clients receive the most favorable rates, but ordinary individuals can also take out a consumer loan from Gazprombank on attractive terms.

How to get the minimum interest on a loan at Gazprombank

7.5% per annum - the minimum interest rate for a consumer loan in GPB.

To qualify for money at such a percentage, you need:

1. Apply for an "Easy loan" in the amount of 1 to 3 million rubles;
2. Pay for insurance.

Contacts for inquiries

Official site:

Phones:

8 800 100 07 01 (free call for all cities of Russia);

* 0701 (For subscribers of MTS, Beeline, Megafon, TELE2, MOTIV, Tinkoff mobile).

Legal address:

117420, Moscow, st. Nametkina, 16, building 1.

General license of the Bank of Russia No. 354.

The information is not a public offer.