Car loan in Sberbank - customer reviews. positive and negative feedback.

The largest bank in Russia is Sberbank, it is ahead of all other banking organizations in all respects: it has the most branches in the country, ATMs, and, accordingly, a huge number of people are served in Sberbank.

We have discussed the topic of bank car loans several times on Vodi.su and talked directly about car loans from Sberbank. And in this article we would like to analyze the reviews of customers - those who have already taken car loans from this bank - perhaps this article will be useful to those who plan to give themselves a gift and get a car loan.

Earlier, we have already analyzed the feedback from VTB 24 customers, and based on this, we came to the conclusion that the reviews are either positive or negative. However, if we consider specifically any of them, we can see that a huge part of the positive reviews is written to order - Agree that this is a good advertisement. And most of the negativity comes from the fact that people read the contract inattentively, although some reviews describe real situations that take place in our society:

• boorish attitude towards customers;
• long queues;
• red tape, when, because of one piece of paper, you have to spend the whole day and walk in a vicious circle from one office to another;
• elementary mistakes of inexperienced personnel.

Positive feedback on car loans from Sberbank

Elena from Saint Petersburg writes:

“I decided to take out a car loan. I contacted Sberbank. Polite staff told me everything in detail. I collected all the documents and the loan was approved very quickly. She contributed 15 percent of the cost at the car dealership, it was about 100 thousand (hence we conclude that Elena bought a budget car for 650-700 thousand). The interest rate was promised at 15.5%, but in reality it turned out a little more. I liked everything, despite the minor drawbacks.”

What are the disadvantages - Elena does not write, but the main thing is that the girl was satisfied.

Another example of positive feedback from a certain Casper from Moscow:

“I fell under the state program for car loans, taking into account state subsidies, the loan came out at 9%. I took out a loan in 2013 and paid it off very quickly. There were no complaints about the bank, only there was one jamb - in the branch to which I was attached, they carried out repairs and because of this, I did not have time to deposit funds to the account on time, so they charged a penalty (but only in another branch or through Internet banking Can't deposit money? In general, it’s enough for everyone, it’s only a pity that such a state program has already been covered up.”

There are dozens more such reviews. Of course, we don't know if these are real testimonials or if some consultant made them up in his office to attract people.

It is much more interesting to read negative reviews about car loans from Sberbank, because no one pays for them (perhaps only competitors). In addition, a person who is outraged by something is more likely to sit down at his computer to share his problems with others. And one more feature of negative feedback is that people do not hide behind nicknames, but accurately indicate their data.

Negative reviews about car loans from Sberbank

Nail, Kazan:

“We issued a loan for 280 thousand under the state program back in 2011. According to the agreement, 7,5 percent was deducted from me, and 5,5 percent was reimbursed by the state. We constantly tried to pay a large amount in order to pay off as soon as possible, but when the balance was recalculated a year later, it turned out that we still owed not 30, but 60. Our questions were answered that the state program was canceled and not 7.5 percent was written off, but all 13. Then it turns out that I bought a wretched Lada Priora in the basic configuration not for 330 thousand, along with an overpayment, but for 400? In a word, I am dissatisfied with the bank, and even more so with the service.”

An interesting situation. The agreement usually states that the bank can change the terms of the agreement, but it must also warn the borrower about this so that he can draw conclusions. If we lived in a state of law, where the law is above all, then Nail could easily go to court, unless, of course, he messed up anything.

Andrei Nikolaevich, St. Petersburg:

“We got a car loan in 2010 in St. Petersburg, although we ourselves live in Kirovsk. The spouse was engaged in repayment, she had to constantly travel to St. Petersburg for this. We decided to open an account in Kirovsk for repayment, so as not to dangle back and forth. The bank agreed to this, we paid ourselves 17 thousand monthly. But once they called from Moscow and said that we had a delay. I rushed to figure it out - it turned out that the term of the debt obligation had expired, it had to be renewed on time and the borrower was obliged to follow this. The penalty was small - three hundred thousand - but it's a shame that the bank did not bother to warn us about it. The result is a corrupted story. For service - bad.

In the case of an appeal, the bank will begin to explain that it was necessary to carefully re-read all the documents, maybe they are right, but they do not forget to send SMS or call because of debts, but they cannot remind you of the expiration of the debt obligation.

There are many other reviews in which people are outraged that they were not approved for a loan, more money was debited from their account, they were not served on time, and because of this there was a delay, and so on. Often the customers themselves are to blame, but the bank could listen to all these complaints and take measures.

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