For a loan amount up to RUB 300,000 inclusive for non-clients of The bank (up to RUB 600,000 for clients of The bank, according to the tariffs):

• Passport of a citizen of the Russian Federation

• A second document of your choice

driver's license, valid international passport, Taxpayer Identification Number (TIN), Individual Insurance Account Number (SNILS), document confirming income

For a loan amount exceeding RUB 300,001 inclusive for non-clients of The bank (exceeding RUB 600,001 for clients of The bank, according to the tariffs):

• Citizenship of the Russian Federation

• Documents confirming income for the last six months, of your choice 

income certificate in Form 2-Personal Income Tax (PIT), income certificate in the bank's form (including that of a third-party bank), income certificate in the employer's form, Pension Fund statement, statement from a payroll account with a third-party bank

• For pensioners

a document confirming pension income, of your choice: a certificate from the Pension Fund or another state authority paying the pension; a statement from the bank account on pension payments; Pension Fund statement

Clients receiving salary to a card of PJSC "Bank Uralsib":

• Passport of a citizen of the Russian Federation

The following loans are eligible for refinancing:

• Personal loans
• Secured by a vehicle
• Mortgage loans
• Credit cards

The following types of loans cannot be refinanced:

• Co-borrower loans
• Loans previously issued by Bank Uralsib
• Loans denominated in foreign currency
• Loans or credit lines issued for business development
• Microloans – loans obtained from microfinance and other organizations that are not banks
• Loans with overdue debt

A loan from any third-party bank (not Bank Uralsib).

Yes, when applying for a loan with a refinancing condition, confirmation of closure of the refinanced loans is required (within 60 calendar days from the loan issuance date). If not provided, the interest rate under the agreement increases by 5%.

The certificate must be provided in the original on the official letterhead of the primary lender or generated through the mobile bank.

The document may be provided at a The bank office or sent to the email address kk@uralsibbank.ru.

The requirements for the certificate are set out in the memo

1. Дождитесь звонка
   В течение 24 часов вам позвонит сотрудник банка или представитель нашего партнера. Во время разговора оператор подтвердит ваши данные, согласует место и время встречи. Также вы получите СМС с деталями доставки.
   
   Если вы выбрали доставку в офис
   Дождитесь СМС об одобрении. После этого вы можете прийти в офис, чтобы получить кредит. После получения СМС дождитесь звонка от банка, вам подскажут, какие именно документы нужно взять с собой.
   Пока вы ждете звонок, лучше отключить телефонного ассистента и проверять входящие — номер может быть помечен как спам.
2. Получите кредит и подпишите документы
   Карту с деньгами доставим в удобное для вас место и время. Подпишите документы. Вас могут попросить подписать их на бумаге или в электронном виде в приложении Уралсиба, на сайте нашего партнера efr.ru.*
   При встрече потребуются паспорт и ваше фото с ним — это подтвердит, что карту получаете вы.
3. Скачайте приложение или войдите в личный кабинет
   Перейдите по ссылке и следуйте инструкции.
   
   Важно:
   — Устанавливайте приложение только из официальных источников.
   — Для быстрого входа сохраните пароль в браузере или менеджере паролей.
4. Дождитесь активации карты
   Сперва нужно дождаться СМС об активации карты в течение нескольких часов. Затем установите ПИН-код.
   
   * После заключения договора вы получите уведомление от НКО АО НРД. Это требование Федерального закона № 211-ФЗ от 20.07.2020. В документе договор называется «финансовой сделкой» и оформляется на сайте АО «ЕФР».

• Uralsib Online is the most convenient payment method; top up your loan in 3 clicks. To make a payment, go to the mobile app or the Uralsib Online web version, select your loan and the card or account for payment. If paid from an account with Bank Uralsib, the funds will be credited instantly; from accounts with other banks, the payment may take up to 3 business days.
• Faster Payments System (SBP) (instant top-up)
• Via a Bank Uralsib ATM (instant top-up)
• Bank branches (instant top-up)

The bank notifies its clients of upcoming monthly payment dates and also provides an opportunity to repay the loan quickly and without a fee, however, if the deadline or amount of repayment of the monthly minimum payment is violated, The bank will charge penalties on the overdue debt. The amount of the accrued penalties is specified in the tariffs & fees for your loan.

• Log in to Uralsib Online.
• Select your loan, click the full early repayment icon, and the amount for full early repayment will be displayed in the window that opens .
• It is important to note that the amount for full early repayment must be in the account before submitting the application for early repayment

Order it at a bank branch.

A request for partial or full early repayment can be submitted via Uralsib Online.  

This is the fastest and most convenient repayment method. The request will be executed on the date specified by you (usually on the same day).

To make an early loan repayment, you need to complete two actions:

• Fund the loan repayment account in any convenient way
• Create an early loan repayment request

To create a request for partial or full early loan repayment in Uralsib Online, select the loan you want to repay, then select the "Early repayment" action.

• If an insured event related to life and health occurs, you or your loved ones will not need to think about where to obtain funds to repay the loan — the insurance company will cover your debt to the bank.
• Under the consumer lending program, the annual interest rate is reduced for the period during which the voluntary life and health insurance agreement is in effect.

You can find out more in this section. 

• LLC "Inlife Insurance" (LLC IC "URALSIB INSURANCE"). Information about the insurance company for clients and Agents.
• JSC "Inlife Life Insurance" (JSC IC Uralsib Life). Information about the insurance company for clients and Agents.

The Total Cost of Credit is an important indicator that allows the Borrower to assess all expenses associated with obtaining and servicing a credit product.

The Total Cost of Credit includes not only the principal amount of debt and interest on the loan, but also various fees and charges that may be collected by the bank. Such charges include:

– Fee for opening and maintaining an account;
– Fee for issuing and servicing the loan;
– Charge for early repayment of the loan;
– Fees for additional services (for example, the Borrower's life insurance).

Calculation of the Total Cost of Credit:

To calculate the Total Cost of Credit, it is necessary to take into account all the fees and charges specified above. The formula for calculating the Total Cost of Credit is as follows:

Total Cost of Credit = i * (1 + i)^n / (1 + i)^n - 1, where i is the annual interest rate, n is the loan term in years.

The Total Cost of Credit does not include:

• Fines, penalties,  liquidated damages for violation of the agreement terms;
• additional services from the bank, for example, SMS notifications;
• mandatory insurance;

If you find an inaccuracy in your credit history held by a credit bureau for loans issued to you by Bank Uralsib, please submit an application at any Bank Uralsib office.

If you have a valid loan agreement with Bank Uralsib, you may also submit an application electronically via the Online banking chat, the Uralsib Online mobile app, or the website.