"Sberbank began to totally check and block the cards of individuals." This is not true. How does Sberbank check borrowers and approve mortgages? Why check the card at Sberbank

For a whole year, several times a month, a wave of panic has been rising in messengers after the same message:

“Now there are checks in Sberbank about accepting money for commercial. activity on the cards ... Calls began this week and go to all cities. " Yes, yes, a whole year has already started from this week.

We decided to warn you about the next start of "ringing". Of course, this is not true. In exceptional cases, if the transaction looks atypical or looks like a fraud, the bank may suspend it and ask for confirmation. Then we will contact you or send an SMS with a request to call 900. The card is blocked only if you tell the operator that you did not carry out transactions with the card.

We do our best to keep your money and personal data safe. We are monitoring new threats and improving protection. But even robust security systems will not eliminate the need to be careful. Compliance with basic security rules will allow you to protect yourself from fraud.

When you are told that the bank has blocked someone's account for no reason, do not believe the rumors. We explain in what cases banks may consider transactions on an account as suspicious and what to do if this happens.

The bank monitors transactions that are atypical for the client in order to protect their funds in the event of data compromise. For this, additional confirmation may be requested for transfer operations to third parties or to individual organizations.
To clarify the possibility of unblocking the card, we recommend contacting our contact center at the free number 900 (only for Yota, Tele2, MTS, Beeline, Megafon and Motive).

Why banks check customers and how not to fall under suspicion

Banks really check all transfers and payments - this is their duty under the law against money laundering (No. 115-FZ). If the bank turns a blind eye to illegal money, it will quickly be left without a license and let down all its clients. Therefore, when a client commits suspicious transactions, the bank may suspend remote access to the account and demand an explanation.

Each bank has a financial monitoring service: dubious account transactions are automatically recorded here. At Sberbank, everything that comes under suspicion is transferred to its employees - experts who analyze each situation individually. In each case, the bank must warn the client and ask for the information necessary for verification. If suspicions are not dispelled, then the money will remain in the account, but it will not be easy to use it - you will have to coordinate each operation in.

Who is being blocked?

Criteria for suspicious transactions are established by the Central Bank (the full list is in the Regulation of the Central Bank of the Russian Federation No. 375-P, p. 41). First of all, the so-called cashiers are at risk. These are people who, for a certain percentage, pass non-cash money through their accounts and turn it into cash - they withdraw from ATMs.

For example, a firm wants to have cash for “gray salaries” or bribes. To do this, they hire a "cashier" - they transfer to his account, for example, a million rubles for the allegedly rendered services, and receive 800 thousand rubles in cash. Such operations are carried out to hide illegal movements of money or to evade taxes.

The bank will be interested in those who are trying to illegally hide the money received abroad. So, one-day companies prepay for the delivery of equipment that will never be delivered. There are also phantom companies created solely for tax evasion. On their accounts, multi-billion dollar turnovers can pass.

The bank's attention is also guaranteed to those companies that pay insignificant taxes. If an entrepreneur spends less than a certain percentage of the debit turnover on taxes and contributions, then monitoring will consider this suspicious. There is a percentage for each field of activity, usually 0.5-0.9%.

I am an honest person, and the account is blocked. What to do?

Sometimes it happens that a completely conscientious client falls under suspicion. This can be solved quite simply: it is enough to explain to the bank where the money came from, and access to the account is restored.

If the bank sent you an SMS or a letter asking you to explain where you got the money, then carefully read all the questions and prepare the necessary documents. For example, if you received payment under a contract, then you must have the contract itself and payments. If everything is in order, you can use the account freely again.

Such requirements are not a whim of banks and not a desire to look into the client's pocket once again. It is an obligation to comply with legal requirements and not to miss illegal money transactions. Therefore, it is better to simply provide explanations at the request of the bank. Information about suspicious customers is included in a single list, which is used by all banks. This is done so that the “refusenik” cannot simply go to another bank and continue to launder money there.

· Do not accept offers to make money on "cash out" using yours, accounts or e-wallets.

· Do not use your bank cards for illegal business activities. Register as an individual entrepreneur and issue a Business Card.

· Keep documents confirming the receipt of one-time large income.

· Accept payments according to your OKVED. If your field has expanded, make changes to your registration data for an individual entrepreneur or legal entity and send new documents to your bank. For example, financial monitoring may be interested in the income of a company that opened to sell wholesale electronics, but suddenly received a payment for advertising services.

· Specify the purpose of payments in detail and demand the same from your partners. Financial Monitoring will definitely pay attention if there is something vague in the payment description, without specifying document numbers, for example, simply "Consulting services for October".

· Do not cooperate with unscrupulous contractors, this can negatively affect your reputation. You can check your partner in.

· Use non-cash payments more often. Apply for a Business Card and pay with it in stores. The bank will see that you are spending money for understandable needs, and not just withdrawing cash.

· Pay taxes and fees from your main account. If you have accounts in different banks, pay from them one by one, or, for example, advance payments to the budget - from one account, and insurance premiums - from another. This is necessary so that you are not considered a "fly-by-night" company that sent money through your account and disappeared.

· Keep all documents in order - contracts, invoices, etc. If the bank asks to show them, you can easily do it.

If a person plans to apply to a bank for a loan, that place of work is of fundamental importance. Of no less importance is the length of service and the duration of work in one place. Often this criterion for assessing the borrower's solvency is more important than the amount of income. Realizing that the borrower has a stable income, bank employees are confident in the timely repayment of funds with interest.

Difficulties in obtaining a loan may arise for working people of retirement age, as well as those who receive the minimum wage. At least, you shouldn't count on getting a large loan. Usually, borrower verification specialist estimates income for the last 3-6 months.

Therefore, with modest incomes, the loan size will be appropriate. It is no secret that banks take into account all the client's income. But even the presence of volatile and large income is unlikely to help get a large amount of credit: banks are cautious with such borrowers.

In the event that a potential client has a highly paid and official job, then a certificate will be required from him. Work experience in the last job must be at least six months, but some banks are loyal to borrowers, setting a three-month period.

When applying for a large loan at a bank, security officers will definitely check the borrower's income and other information provided in the application form. Moreover, banks even check companies. If salaries are issued to employees in "envelopes", which is quite common, the loan amount may be reduced. Sometimes the borrower gets rejected.

The income statement is the main document that is taken into account by the bank employees. The form of the document can be standard - 2-NDFL or established by a financial institution. The certificate displays information about the position of the applicant and the level of his income for a certain period, most often 3-6 months. Some clients buy certificates on the Internet or fake them on their own. It is hardly worth the risk and spending money on fake documents, since in almost all cases the fraud is revealed. It is not difficult to establish the actual amount of wages. And this applies to both large companies and small private firms.

So, like banks check the place of work potential client who applied for a loan?

First of all, experts study the size of the salary and compare it with the size of the borrower's salary. Discrepancies, inaccuracies, inconsistencies in the level of wages in the corresponding segment and other nuances allow identifying cheaters remotely.

Most often, the check is carried out remotely, namely, using phone calls. But in some cases, bank employees go to the applicant's place of work in order to confirm the information. Of particular interest are certificates with inflated incomes, as well as documents with obvious signs of forgery.

Additional verification of documents confirming the eligibility of the borrower, includes the study of a copy of the work book. This document is increasingly appearing in the list of requirements of financial institutions.

It is quite obvious that the constant change of place of work or the minimum number of records will also cause appraisers to be wary. There are many nuances that are unknown to borrowers. For example, sometimes borrowers provide information about an additional job that does not coincide with the main occupation.

Bank employees are well aware of the existence of trifles, for example, the absence of a date or signature in the required place of documents. Therefore, various inconsistencies raise questions and additional checks.

Large banks are well aware of the activities of large enterprises in the city in which they are located. In addition, the employees know the size of the income of clients of different social status. Therefore, it is important to reiterate that document forgery is senseless and illegal. For applicants who are interested in a question, do banks check clients' place of work, the answer is yes. As noted, in order to clarify the necessary information, they use telephone communication. If we are talking about a small company, then the bank will definitely check the details of its bankruptcy. The following information is also checked:

• whether the firm pays taxes;
• the amount of contributions to the pension fund;
• the amount of tax deductions.

Checking the data on the seizure of property is relevant. If the company meets any of the above criteria, the borrower will be denied debt financing.

To obtain a loan on favorable terms, the borrower must provide the bank with a document confirming his solvency. Unfortunately, a significant part of Russians do not work officially and receive wages "in envelopes". In this case, you need to count on stringent requirements:

• reduced loan limits;
• high rate;
• the need to provide collateral.

That is, checking borrower by bank is carried out according to a simplified scheme and the probability of failure increases several times. If the verdict of the credit institution is positive, then the money is issued on tough conditions.

Lengthy checks on borrowers are considered costly. For this reason, many banking products include an increased interest rate for risky transactions. Not all banks carry out customer verification through the CRI, since each request requires additional costs. Written requests to government agencies are extremely rare, as the verification time can drag on for months.

Therefore, when applying for small loans check of the borrower by the bank is performed using a scoring system. This is a program that, based on statistical information and analytical data, performs an assessment of solvency in minimum lines.

The program provides for a number of issues that affect the financial and personal indicators of the borrower:

• the amount of income;
• the presence of delays and other nuances from the credit history;
• property status;
• the borrower's relationship with the law;
• education;
• external data and communication skills.

The listed questions are only a small part of the list of the scoring system. At the same time, every nuance, including the opinion of a bank employee, is important. It should be borne in mind that the scoring system often does not provide for additional checks. Therefore, the interest on such loans is always overstated.

When applying to a bank for a consumer loan, a client must provide a standard package of documents, which can be limited only by a passport. "Classic" loan provides for the provision of:

• additional identity document;
• copies of the work book;
• income certificates.

If the borrower provides a full package of documents that will not raise questions, then, most likely, the verification will be simplified. So, with small amounts, bank employees can do without calls to work.

If we are talking about a mortgage, then it is necessary to prepare an extended package of documents and be patient, so how banks check when issuing mortgage credit carefully and long. Calls to work are mandatory, and the bank representatives will communicate with the employees of the financial department and management.

Obviously, before as issue a loan, the bank must check the borrowerhaving studied many questions. Verification is carried out using:

• phone calls;
• going to work;
• inquiries to the credit bureaus;
• specialized databases.

Do not forget that the check of the borrower is carried out in most cases by former law enforcement officers. Therefore, to increase the chances of obtaining a loan, it is better to submit truthful information.

How much does it cost to check money at Sberbank?

There are situations when a person just needs to check money. People do this infrequently, so they have a natural question, and how much does it cost to check money at Sberbank?

The need for such an operation is usually associated with some kind of large transaction, for example, with the sale of a car and real estate. Not everyone today uses cashless payments, and there are those who prefer to give money into their hands. And here it is very difficult to independently determine their authenticity, even impossible, because the technologies are so developed that some counterfeit bills cannot be distinguished from real ones without special equipment.

And the situation, it would seem, is completely ordinary. The buyer gives the money to the seller and all that remains is to put a signature to confirm the transaction. In such cases, often at the very end a person has doubts about whether the bills are real?

You need to understand that counterfeit money is not always transferred on purpose. It so happens that a person himself does not know that his cash is a fake. This often happens when one transaction is made, and another one is made with the proceeds. Finding the culprit in such a chain can be very difficult.

In order not to get into a similar situation, you need to contact Sberbank during the operation to verify the authenticity of the money. There are several methods for detecting counterfeit bills. Moreover, they all have their advantages and disadvantages.

Methods for checking money in Sberbank

So, in order not to get into a scrupulous situation, you should familiarize yourself with the available methods for verifying the authenticity of money. Each of them can be used in a controversial situation to cast aside all doubts.

Use of specialized equipment

It is not always necessary to contact Sberbank for help. There are times when an intermediary, for example, has a special technique that determines the authenticity of bills. Such a check takes place very quickly, and its cost is zero.

But not everyone has such devices, and buying it because of one transaction is completely unprofitable. Therefore, few will be able to take advantage of this advice.

Contacting the bank for a paid recount

Most banks provide their clients with a money counting service, which also includes banknote authentication. To understand how much it will cost, you need to familiarize yourself with the price list.

Determination of the cost can depend on the following two factors:

• the total amount of funds;
• the number of banknotes.

Usually, one criterion is chosen for the calculation. Most often, banks charge 0.5-1% of the total amount of funds. This option is quite costly. Therefore, it is used extremely rarely.

Opening a bank account

Many will be surprised, how can this help? In fact, this method is considered the most preferable. The thing is that the cost of checking money at Sberbank in this case is zero.

To check using an account you need:

1. Open a demand deposit in Sberbank. It's even better if you already have one. Otherwise, you need to contact the nearest bank branch and issue a deposit. Here you need to understand that you may have to stand in line.

It is very important to familiarize yourself with its terms and conditions when making a deposit It is better to choose those banking products that allow you to deposit funds without additional commission. In short, it is better to prepare for this method of verification in advance.

The only expense the client will incur will be the cost of opening an account. In fact, this is a purely symbolic amount not exceeding 50 rubles. Compared with the previous verification methods, the difference in cost is enormous.

On the day when the money will be transferred, the buyer and the seller must together visit the bank in which the seller has a deposit. Both parties need to bring their identification documents and, of course, cash. Those who opened a deposit will also need a document certifying the opening of a deposit.

1. Next, you need to contact a Sberbank specialist and say the amount you want to put. After that, the bank employee writes out a credit slip indicating the amount.
2. With the order and all the documents you need to go to the cashier. After the transfer of documents to the cashier, indicating the deposit number, the funds are checked. This operation is performed when working with cash. The client is not charged for checking.
3. At this point, the operation comes to its logical conclusion - all that remains is to sign the contract and transfer the purchased item to the buyer.

The seller can withdraw funds at any convenient time. But nevertheless, it is better to warn the bank if the amount of the transaction is quite large, because they may not have that kind of money on hand. But you can transfer funds to the card without notice.

This method is considered the most reliable, and its cost is low. That is why it is very popular among the participants in purchase and sale transactions.

We transfer funds to an ATM

This method of checking banknotes is also quite convenient and easy to use. To implement it, you only need a bank card and money. It is important that you can deposit funds to your account without charging commissions and interest. In principle, many debit cards have these properties.

The mechanism of action is very simple - you need to send all the bills to the bill acceptor. True, you will have to do this yourself, bringing each bill separately.

A significant drawback of such verification is that sometimes the terminal does not accept ordinary bills either. Here you need to either try to turn them over, smooth them out, or replace them with others. And not all buyers will agree to such a deal, because there will be no witnesses to the deposit of funds.

Choosing any of the presented methods, you need to understand that it is best to use large banknotes. This will save time, in the latter case even very significantly.

Clients who take loans from Sberbank are interested in how this company checks borrowers, and whether it does it at all. What are the criteria, who can approve the application, and who will be refused - we will tell further.

Why check?

For the bank, the safety of money and their timely return is very important, therefore, of course, it checks the data provided by the borrower to make sure it is reliable. It is precisely making a profit that is the main goal of absolutely all financial organizations, and therefore it is very important for the lender to cooperate only with reliable people.

Do all banks check their customers, are there those who are ready to issue money immediately? Absolutely every creditor necessarily examines the dossier of every citizen who applied to him, the only exceptions are those who are ready to provide funds to almost everyone who wishes.

But back to the question of Sberbank. Each client who applies here goes through a special procedure of electronic-automatic verification called scoring. More details about this procedure are described.

Each person can be rated in terms of the system on a point scale. The higher the scores you get, the more likely the lender will want to work with you.

What the automatic grading system pays attention to:

1. Russian citizenship and registration in the region of the Russian Federation,
2. Age - Sberbank loans from 21 to 65 years old, if there is a pledge in the form of real estate - then,
3. Marital status, number of children (dependents),
4. Positive, i.e. you should not have overdue debts, especially not closed ones. CI data is stored in special bureaus for 10 years, and even if you had a problem loan several years ago, you may still be refused,
5. Solvency is very important, the decision of the company on your application depends on it to the greatest extent. You must have an official income that you can document, i.e. part-time work, salary in an envelope, etc. will not be taken into account,
6. Employment and seniority - banking specialists are sure to assess your employer, it is desirable that it was not an individual entrepreneur. The total work experience must be at least 1 year, and at the current place of work - from 6 months, for salary clients of Sberbank - from 4 months.
7. Possibility to pay a monthly installment - this is an assessment of your income in terms of the possibility of paying a loan. It is well known that the bank approves the application only when the loan does not exceed 40-50% of your official salary. It is logical that if you receive 10 thousand, and request 500 thousand, then you simply will not physically pull such expenses, and you will receive a refusal,
8. Existing commitments. For example, if you already have several loans from other banks, you pay alimony, etc., then your official income will be reduced by the amount of current liabilities. And if it is not enough for the requested amount, again, your application will be refused.

It is worth noting that if you involve co-borrowers or guarantors to conclude an agreement, then they will also undergo a similar check. Therefore, you need to look for people who are conscientious, with good earnings and a positive reputation. If you have a good CI, and yours has it spoiled, then you may be refused.

How is the check done?

This process is based on the documents you provide to prove your income. There are many ways for this, for example, to find out information about the salary through the tax or accounting department. If what you indicated in the certificate differs from what it actually is, it is unlikely that a loan will be issued to you.

In addition, now banking organizations have the opportunity to approve loans to those borrowers who confirm their solvency through information from the portal.In other words, the lender can immediately see information on your tax and pension contributions, and based on this, draw conclusions about the level of your income.

I would like to say right away that when preparing documents, you do not need to increase real numbers or even fake papers. All certificates that you bring for consideration are carefully checked, and if your fraud "emerges" out, then you will not only be denied your application, but also indicate the reason for this in your dossier, which means that other banks will also give negative answers ...

This is at its best. And in the worst case, the bank may turn to the police with a statement about an attempted fraud with forgery, which threatens you with administrative liability.

In addition to solvency, the client's credit history is required. This is done very simply - through special CRIs, which contain information about all borrowers in our country. You can also look through your dossier yourself, instructions are given.

Applying for a loan to a banking institution is widespread: the need to provide funds can arise in various situations, and one of the main issues for most people is the speed of decision-making. Many borrowers doubt whether they will approve a loan for me. Most often, the bank independently contacts the client and informs about the decision made (both positive and negative). Potential borrowers are informed about the results of consideration by the contact phone number indicated in the questionnaire or via SMS-notification. But if a lot of time has passed since the application was submitted, and the results of its consideration were not reported, each borrower asks the question: how to find out whether the loan was approved by Sberbank or not.

In such a situation, it is not at all necessary to continue waiting for a message from a banking institution: the borrower can independently obtain the information of interest and find out whether he will be provided with a loan or denied for any reason (this is due to the indication of inaccurate information, low income level, bad credit history, etc.). You can use one of several methods to check the status of the application.

How to check the status of an application

The development of information technologies made it possible to automate the process of processing applications for non-targeted consumer loans (this reduced the time for making a decision), and also provided borrowers with the opportunity to independently find out the result of the application (thanks to this, visiting the branch became unnecessary). Borrowers who are thinking about how to find out the approval of a loan from Sberbank can use the bank's online service (this is a popular, but not the only option).

Terms of consideration of an application for a loan at Sberbank

The issuance of credit funds does not take place immediately: after receiving the application, the bank checks the information provided and makes a decision. There is no clear answer to the question of how long to wait for the loan approval at Sberbank: the consideration period depends on the chosen loan product.

So, an application for a consumer loan is considered within 2-5 days. It will take more time to approve the mortgage: the term for making a decision on such applications is 7-14 days.

How to find out if the application is approved?

In the event that the terms for consideration of the application have already passed, and the decision has not been communicated, each client thinks about how to find out if the loan was approved by Sberbank via the Internet. There is such a possibility: Sberbank services allow you to get information about the status of the application.

Through Sberbank online

Contacting a special banking service - Sberbank online, is considered the most convenient way to obtain information of interest. Access to the service is available to individuals who are already clients of a banking institution (for example, who have an account to which salaries are transferred). After passing the authentication procedure in Sberbank online, you need to go to the "Loans" tab: here you can find information about the submitted applications and their status.

So, if the decision has not been made yet, the status will be indicated - "Under consideration". If there is a mark "Approved" next to the application, this means that the banking institution has made a positive decision and is ready to issue borrowed funds. In this case, the client can apply to the department for paperwork and the provision of funds.

Via Mobile Bank

For Sberbank customers, another way to find out whether a loan will be issued or not is also available - this is the Mobile Bank application. To get information on the application, you need to go to the application and open the "Credits" tab. The tab that opens will contain information about the status of the submitted applications.

By phone or at the bank

If there is no opportunity to go online or get information through the Mobile Bank, a potential borrower can use two more methods: you can find out about the results of the consideration by phone or by contacting directly the Sberbank branch. A phone call or a visit to a bank branch is also suitable for those who are not yet a client of the bank.

So, you can find out the status of the application by calling the bank's "hot line" number: this action will not take much time, and the client will be able to receive reliable information on his application. In case of a positive result, the bank employee will inform you when the client can contact the bank to receive funds.

If the borrower has the opportunity to visit the branch, then you can get the information of interest directly from the bank employees in person. In case of a positive decision, you can immediately proceed to the preparation of the necessary documents.

Thus, Sberbank provides customers with several ways to obtain information on submitted applications. In order to find out about the approval of a loan, the borrower can choose the preferred option and quickly receive the necessary information. But in most cases there is no need to worry: employees of a banking institution independently report on the decision.

How to get a loan from Sberbank: