The largest and most conservative bank is ready to change the credit policy, writes the newspaper «Vedomosti». There was the publication «The list of priority actions», compiled by the central apparatus of Sberbank, on the basis of analysis of the «field».
Most items in the list of natural persons related to lending. This, in particular, the introduction of loans without guarantors, credit cards, payment of loans through ATMs and terminals, mortgage loans, taking into account the sales of real estate, annuity payments (now the principal debt extinguished evenly, but the amount of interest variables). It is about the liberalization of assessing the solvency of the borrower (now the Bank takes into account only the official wage), and in some cases on non-income verification. Proposed to take into account the borrower's income from all jobs are automatically created to warn him of the overdue debt and allow the issue, taking into account the auto insurance.
There are proposals to launch joint credit programs at a reduced rate with the car and the joint mortgage programs with realtors and insurers.
