Sberbank has tightened rules governing the granting of consumer loans.

Savings Bank in order to protect themselves from the non-introduced new rules for issuing consumer credit, writes the newspaper "Kommersant" on 13 March. If earlier the bank had information on income, on its own form, which could be sensitive and non-profits, but now need a certificate from tax inspection.
Information on the form filled by the borrower bank and certified by the signatures of Director and Chief Accountant, thus, there may appear "gray" income not reported the tax inspectorate. Became a mandatory 2-NDFL certificate issued by the tax inspection, and it shows all the official income of the borrower in the past six months. In addition, when issuing a loan the bank will also require a copy of the borrower's employment record.
Since the beginning of the financial and economic crisis "Sberbank" twice raised interest rates for credit. From 1 October 2008 at 0,75 - 2,25 per cent were raised rates on housing loans and 1 percent - to the consumer. From 1 February 2009, all bets were increased by another 0.5 - 3 per cent a year. In addition, the bank imposed a mandatory initial payment of 30 per cent of credit.
Sberbank's desire to limit the number of potential borrowers due to the growing number of overdue loans. The share of overdue loans to individuals rose in January at 16.7 percent and amounted to 2.02 per cent of the portfolio of the bank. In the third and fourth quarters of 2008, Sberbank has been forced to write off bad loans to 3.82 billion rubles, taking on that second only to the bank "Russian Standard". It was expected that in 2009 the amount of non-payments will increase significantly.