Loan application rejected by Sberbank online. What to do if Sberbank refused a loan. Reapplying for a loan. Why is the bank refusing a loan?

Interior Design 12.07.2021

When making transactions in Sberbank Online, you can track the status of the application in real time. How to react and what to do when you see the payment status "Rejected by the bank" or "Confirm in the contact center" is described in this article.

Making transfers through the Sberbank Online system no longer raises any questions for many. Everything is quite simple, I went into my personal account and transferred money according to the instructions that are described in our article -.

As it turned out, not everything is so simple with the payment statuses, and there is not only the familiar “completed” status, but also a number of others that we would like to tell you about today.

Payment status in Sberbank Online

Payment status " Draft»

This means that you have not completed the transfer of funds and the application, filled in whole or in part, has moved to the payment/transfer template.

You can view the list of created templates and complete the transfer of funds using them through the “my templates” section.

Payment status " Accepted for execution»

This status appears in the process of transferring funds through Sberbank Online. Most often, it is assigned for 10-30 seconds, while the operation is being executed by the bank. After, the operation is assigned the status "completed".

The status “accepted for execution” or “executed by the bank” can stand for the transaction up to 2 days if the transfer is made to another bank. But such situations are rare. Therefore, if your transfer is delayed in time, contact the bank and apply for a search for a payment.

It is worth noting that the status “performed by the bank” still allows you to cancel the operation. If you change your mind about transferring money, go to the transaction report and click the "cancel" button. In this case, the money will not be transferred.

Payment status " Fulfilled»

Everyone's favorite payment status is "completed". It means that the payment was completed correctly, the funds were transferred to the recipient's account.

However, this status does not yet guarantee that the funds have already arrived to the recipient. I have already given an example from personal experience when the term for transferring from a Sberbank card to a Gazprombank card was delayed by as much as 9 days. But this is more the exception than the rule.

Payment status " Confirm at the contact center»

One of the most disliked payment statuses, which means that to confirm the transaction, you need to call Sberbank at a toll-free number - 8 800 555 5550.

This means that you have exceeded the daily or monthly transfer limit through the Sberbank Online system, you can see the size of the current limits here - limits on transactions in Sberbank Online. If the limit is exceeded, each subsequent operation will need to be confirmed at the contact center, stating your passport data and code word.

Often, such a status is assigned to an operation when an operation is performed from abroad. The protection system against unauthorized transfers is triggered if you have always transferred money while in Russia, and then suddenly you are trying to make a transfer from abroad.

If the Sberbank Online service requires transaction confirmation in the contact center, this means that the system, according to its built-in algorithms, perceives the operation as doubtful. Possible reasons for applying additional security measures:

the communication channel has been compromised. This happens, for example, during hacker attacks;
there are too frequent requests for transfers to individuals. For example, if money is sent at intervals of 1 time in 1-3 days to the same person;
if a request for atypical a large amount, for example, for 10,000 rubles, although previously more than 1,000 - 3,000 rubles have never been transferred to anyone;
Suspicious transactions were previously performed from the account;
An “intelligent system” designed to calculate suspicious transactions “accidentally” identified a legal request as a problematic one.

As the situation develops, the bank, in order to protect the financial interests of the client, has the right to block his bank account.

In this case, you still have to go through a check in the call center. Operators can also be called to 900. A serious problem, how to confirm a payment at the Sberbank contact center, arises when there is no money on the phone account, as well as when you are in roaming.

In the first case, if a ban on outgoing calls began to operate, you still won’t be able to call from your number. It may no longer be possible to replenish the phone’s account in order to restore its performance. In the second case, even if there is money on the subscriber's account, they will most likely run out quickly in an attempt to get through to the call center.

If one way or another you can’t get through to the call center, you can try to make a payment not through an Internet browser, but in Sberbank’s proprietary mobile application.

Payment status " Denied»

This status means that the operation cannot be performed. To find out reason for refusal, hover over the status. Most often, this status exits when incorrectly entered data for the recipient of funds. For example, the number entered incorrectly when paying mobile communications, contract number entered incorrectly, etc.

Try to make the transaction again, if the situation repeats, contact the bank's contact center at the number - 8 800 555 5550.

Payment status " Rejected by bank»

This status may appear when incorrectly entered data, for example, incorrectly entered wallet number for or for technical reasons. Often, Sberbank customers cannot pay for a phone through Sberbank Online, just such an error comes out, which means that there are technical problems on the side of the bank.

You should try to repeat the operation later or contact the Sberbank contact center.

Payment status " Application has been canceled»

It means that you have canceled the order for the transaction before its execution. As mentioned earlier, before the operation is assigned the status of "executed", you can click the "cancel" button and stop the payment execution.

Other statuses of a payment order in Sberbank Online

You can check the status of a payment in Sberbank Online in the Transaction History section.

In addition to the above values, you can find the following:

“Completed” when personal financial planning has been carried out by the client or bank employee;
"Executed by the bank" - the document has been automatically checked and sent for processing;
"Awaiting processing" - indicates that the document was received during non-operational time. It will be processed on the next business day;
"Interrupted" - indicates that personal financial planning was interrupted by the account holder or bank employee.

Setting up the operation confirmation function in the call center

It is also necessary to confirm the status of the operation through the call center when the user himself has set such a restriction. This requirement will not apply only to transfers between own accounts and those transactions that are made according to templates confirmed in the call center.

How to set such a restriction in Sberbank Online:

enter the "Settings" tab;
select the category "Expenditure limits for transfers and payments";
activate the necessary option in "Confirmation of transfers and payments in the contact center, regardless of the daily limit";
a one-time password will be sent to the phone number;
a pop-up window will appear;
make sure that the data of the SMS message and the inscription on the screen match;
in the window line you need to enter the received cipher and confirm the request.

Confirmation of the restriction can also be found in the "History of Sberbank Online transactions" section. If transfers and payments are limited, then you will no longer be able to change their daily limits on your own. Disabling such a restriction is possible only through the contact center.

How to transfer a large amount bypassing the call center

Overlimit templates require only one confirmation at the call center. Subsequently, you can use the saved data to transfer large amounts without communicating with the bank operator.

In Sberbank Online, you can disable the option, thanks to which the system requests additional confirmation of the transfer through the call center. In the "Settings" in the same section "Confirmation of transfers ..." you need to deactivate the option "Confirmation of transfers to cards and accounts of other people and organizations". Here in the column "Daily limit on transfers and payments" indicate the maximum amount that can be transferred from the account in excess of the limits set by the bank. Changes are confirmed by SMS codes.

Meaning of payment status in Sberbank Business Online

The initial status of a payment in Sberbank Business Online is displayed at the stage of generating a payment document and can be as follows:

“Control error”, which indicates that the document has been saved, but it has errors when filling in the fields. The form can be edited later;
"Created" - all fields are filled in correctly, and the document is saved. The form can be modified, signed, or deleted;
"Imported" - the document was checked, saved and imported from the accounting program. The form can also be adjusted, signed, or deleted.

There are also signing statuses assigned at the stage of signing a document. In this case, the payment status in Sberbank can be:

"Partially signed" when a number of signatures are missing;
"Signed" when the document is certified by a full set of signatures and can be sent to the bank.

Knowing the processing status values will help to correct the situation in a timely manner:

"Sent" - the document has been sent to the bank, but has not yet been accepted by it;
“Delivered” is an intermediate status indicating that the order has been delivered. The bank can either accept it or reject it;
"Accepted" - when the document has been checked and is ready for execution;
"Uploaded" - the document entered the bank's system;
"ABS denied" - based on the results of an automatic check, processing was denied. To find out what the problem is, you need to double-click on the line with the payment order, and in the window that opens, go to the "Information from the bank" tab;
"Executed" - status, which means that the order has been processed by the bank.

Conclusion

We have considered all the main statuses that can be assigned to your transfer made through Sberbank Online. As a rule, translation problems arise due to incorrectly entered data or technical failures.

If you cannot figure out the status of the payment on your own or the payment is taking too long, call the Sberbank support service at the toll-free phone number - 8 800 555 5550 or 900.

Question: Why does Sberbank refuse a loan not only to a citizen from the “street”, but even to a salary client, that is, “its own” client, to whom Sber is usually willing to issue loans?

Answer: there are a huge number of reasons for this, and it is far from always possible to find out, due to the fact that the bank is not obliged to explain its decision to the client, we can only guess.

We will not deliver porridge on a plate, we have a specific question, we will give a specific answer to it.

First of all, you need to understand that the reasons for refusing a loan, after you, can be associated both with the personality of the borrower himself and with the bank itself. There can be no other reasons for refusal.

But first you need to make sure that the loan at Sberbank is really not approved. How to do it, .

The borrower does not meet the requirements of the bank, does not fit the bank's idea of a "good" borrower. Nobody hides these requirements from the public, read the descriptions for each loan product. But even if you understand that you are able to fulfill these public requirements, this does not mean at all that the loan will be successfully approved for you. For there is also the internal kitchen of the bank, on the basis of which it makes a decision.

Why is Sberbank still refusing a loan?

ON A NOTE! You must be honest about your candidacy, if the minimum age for a loan is 21, then you should not think that in your 20s you will be approved for a loan. If your income is below the baseboard or it is black, then you will also be denied a loan. Be honest with yourself!

Bad credit history. This is the most common reason for rejection. Absolutely many people now have bad CI. We hope you do not need to explain what a bad credit history is and how it affects the decision of the bank? How to check the purity of your CI, .

Credit workload. High credit load is also a common reason for denial of credit. Each bank has its own understanding of the level of workload, Sberbank also has it, but this position is not disclosed.

Wrong age. On the this moment in order to receive a loan from Sberbank, the borrower must be at least 21 years old and not older than 65 years old at the time of the end of the loan agreement. For information on how to get a loan for a pensioner at Sberbank, read this article.

Read also

The best offers of banks for refinancing loans

Trouble with the law (conviction). If you have a criminal record or problems with the law, this can also be a direct reason why Sberbank refuses a loan.

Borrower's specific profession. Some professions are undesirable for a bank in terms of lending. These are primarily high-risk professions.

Citizenship and region of registration. Sberbank is present in almost every city in Russia, but still not in every one. Therefore, the bank does not lend to residents of remote settlements, where there are no branches of Sberbank, as well as citizens of other countries, only Russians.

Employment and work experience. If you are not employed or have a black, undeclared income, then you will immediately be denied a loan. And also if your work experience at the current place is less than 6 months or less than 1 year during the last 5 years.

Low or no income. In the banking sector, there is an unofficial bar for the minimum requirement for the income of the borrower. Most often, it is 1-4 minimum wages (6,000 - 24,000 rubles).

Lack of guarantors or property, which can be very important for certain types of lending (secured loans, mortgages, real estate pledges).

Fake certificates 2NDFL, 3NDFL. Due to the fact that there are a lot of bad borrowers in Russia, and they cannot get a loan from a bank, but they really want to, because of this they go to scams, to deceive banks, to forge documents that reflect the reliability of income. Announcements like "I will sell / buy a certificate of 2NDFL" does not say anything?

Forgery / collusion with the employer, with the guarantor and other scams. The same story as above - deceit and fraud with the testimony of guarantors and employers about the real income of the borrower.

Availability of dependents, which "devour" a significant part of the borrower's income.

Errors in documents or invalidity certain documents.

Mistakes in the loan application- a fairly common and banal reason why Sberbank refuses a loan even to a payroll client. Be careful not to make mistakes in the data when filling out an application for a loan.

"Bad" or untidy appearance. If you apply for a loan directly to a bank branch, when communicating with an employee, do not forget about an adequate dress code and demeanor. After all, they are greeted by clothes, and escorted by the mind.

"Bad" relatives and friends. No wonder Sberbank always asks for the data of your relatives or guarantors when filling out a questionnaire. He looks not only at your financial condition, but also at the condition of your loved ones. If they are heavily loaded with loans, or have no income at all, and you are the sole breadwinner, then this is an obvious reason why Sberbank refuses to lend to its customers.

I agree to the requirements of "Banks Credits Online" for the execution of an agreement, according to which "Banks Credits Online" compares and selects loans and other services for me. I undertake to consider all options offered to me.

According to paragraph 5 of part 1 of Art. 6 of the Federal Law "On Personal Data", the processing of personal data is permissible when it is required for the implementation of the terms of the contract. I agree to the processing of the following personal data:

email and password;
address of registration and place of residence;
city of residence;
cell phone numbers;
nickname on the site;
photographs;
information about the marital status (+ a photo of the document page or a scanned copy);
information taken from the passport (+ a photo of the document or a scanned copy);
information taken from the passport (+ a photo of the document or a scanned copy);
information about children (+ a photo of the document page or a scanned copy);
certificates from the place of work (+ a photo of the document or a scanned copy);
information taken from the driver's license (+ a photo of the document or a scanned copy);
information about registration (+ a photo of the document or a scanned copy);
bank card details;
car brands and models.

I agree that "Banks Credits Online" can perform the following actions with my personal data:

The Bank has the right to inform me about the provision of services under this agreement through phone calls, SMS messages, instant messengers, email and publication of relevant information in my personal account.

This agreement also allows the distribution of my personal data among third parties, namely among the companies and partners of Bank Credits Online on the basis of agreements signed between them in order to provide services under this agreement. According to federal law"About personal data", I authorize "Banks Credits Online" to process (including doing it in an automated mode) my personal data (name, gender, date of birth and age, place of residence, contact number, information taken from a civil passport ), as well as collect, systematize, store, use, publish, distribute (including outside the state), depersonalize, block and destroy them. My agreement to all of the above actions will be confirmed by any action related to registration on the site, including authorization on the site and its further use through social networks.

I agree with the conditions for the processing of my personal data, prescribed in this agreement. In addition, I agree that "Banks Credits Online" will transfer personal data about me to third parties who are their agents, in accordance with the agreements concluded between them.

The user accepts this offer after he performs any actions related to registration in his personal account or filling out a questionnaire on the Bank Credits Online website. This offer has no specific expiration date. "Banks Credits Online" have the right to withdraw the offer by making certain amendments to its content and posting a new version of the document on its official portal on the Internet.

The user has the right to withdraw this offer and refuse to provide his personal data for processing by sending "Banks Credits Online" a standard written application drawn up in accordance with the legislative requirements of the Russian Federation.

Operations history

On the page Operations history You can view a list of your transactions for the specified period, view the payment or application you are interested in, find transactions in Sberbank Online, etc. You can go to this page from the side menu of the system by clicking on the link Operation history Sberbank Online.

The list for each transaction displays the name of the transaction, the number of the card, account, deposit or loan, the payee, the date and time of the transaction, the amount for which the transaction was performed, and the status reflecting the stage of payment processing.

Note. If the operation is rejected by the bank for any reason, then this operation will be highlighted in red in the list.

By using Operation history You can do the following:

view the selected payment or application, to do this, select the operation you are interested in in the list. A viewing page will open containing the details of the document. The following details are shown for the document:
- Information about the recipient, such as account or card number, company name, or recipient name.
- Payment details such as amount, commission and status.
edit the relevant document in the list. To do this, click on the document you are interested in, the payment / application confirmation page will open, on which click the link Back to service selection. You can only edit documents with the Draft status.
perform an operation. To do this, click on the date, name, amount or status of the operation you are interested in, the payment/application confirmation page will open. You can continue making a payment or request only for documents with the "Draft" status.
repeat operation. To do this, click on the date, name, amount or status of the transaction you are interested in, the page for viewing the document will open, on which click the button Repeat payment. You can repeat the operation for documents with the status "Executed", "Executed by the bank".
withdraw payment. You can cancel a payment in the "Executed by the bank" status. To do this, select the payment you are interested in. The Document View page will open, click the button Cancel. As a result, this document will not be sent to the bank for processing.
delete document. To do this, click on the date, name, amount or status of the transaction you are interested in, the transaction confirmation page will open, on which click the link Delete. You can delete an operation for applications and payments with the "Draft" status.
create template. If you want to create a template for a completed operation, then click Operations and choose Create Template. An additional field will open, in which enter the name of the template, and click the button Save. If you change your mind about creating a template, click the link Cancel.
Attention! You can create a template only for transactions with the "Completed" status.
create a repayment reminder. If you want to create a reminder to re-make a payment or transfer, click Operations and choose Remind me to pay again. A block will open, where in the "Reminder name" field, enter a name under which the reminder will be displayed. Then specify the frequency and date of reminders by clicking the link once. On the page that opens, select the frequency of the reminder from the list: "Once", "Monthly" or "Quarterly", then click the calendar icon and specify the date on which the reminder template will appear in the list of accounts payable. After all parameters are set, click the button Save. Then confirm the creation of the reminder with a one-time password.

If the history of operations takes up more than one page, then you can go to another page using the arrows < ; > .

You can also choose how many transactions will be shown on the page - 10, 20 or 50. For example, if you want to view 20 transactions, then select "20" in the "Show by" line. The system will display the last 20 operations performed.

Operation search

To quickly find the desired operation in the search bar, enter its name or the name of the recipient to whom this operation was performed. Then specify a few characters to search for, for example, the first letters of the name of the recipient of the operation and press the button Find. The system will display a list of found recipients, in which select the value of interest. As a result, transactions to the selected recipient will be shown in the transaction history.

In the menu item Operations history You can also use advanced filter, with which you can find the operations you are interested in.

To use the advanced filter, click the link Advanced Search and set search criteria:

"Operation" - select the name of the operation from the list;
"Deducted from the account" - select from the list the account from which the money was debited;
"Period" - specify from the calendar located in this field, the start and end dates of the period of the required operation;
"Amount" - specify the range, which includes the amount for which the operation was performed;
"Currency" - select the designation of the currency in which the operation of interest was performed;
"Status" - select from the list the status in which the operation you are interested in is located.

You can enter values in one or more filter fields. For example, you can search for recurring payments in the last month.

After all the required parameters are specified, click the button Apply. The system will display a list of the operations you are interested in.

Operation statuses

in Sberbank Online, you can track the debiting and crediting of your funds according to the state (status) of the operation. Status - stage of payment or request processing. Operations in Sberbank Online can be in one of the following states (statuses):

"Draft" - the document is filled partially or completely and saved. It needs to be validated in order to be executed.
"Completed" - this status means that personal financial planning by you or a bank employee has been completed.
"Executed" - the document (payment or application) was successfully executed by the bank. If you have made a payment transaction, this status means that cash transferred to the account of the payee;
"Executed by the bank" - the document (payment or application) is confirmed and sent for processing to the bank;
"Confirm in the contact center" - the document is confirmed by the password from the message received on the mobile phone and is awaiting confirmation by the Contact Center employee.
"Awaiting Processing" - You sent the document outside business hours, and it will be processed on the next business day.
"Rejected by the bank" - you were denied the execution of the operation for any reason. To find out the reason for the refusal, hover over the status.
"The application was canceled" - the document was withdrawn by you for some reason;
"Interrupted" - this status means that personal financial planning has been interrupted by you or a bank employee.

in Sberbank Online, on each page you can turn to the help of a personal consultant who will answer all your questions. To start the assistant, click the link Frequently asked Questions in the side menu. As a result, a window will open containing answers to frequently asked questions about working with the Sberbank Online service.

If your income is below the baseboard or it is black, then you will also be denied a loan. Be honest with yourself! Bad credit history. This is the most common reason for rejection. Absolutely many people now have bad CI. We hope you do not need to explain what a bad credit history is and how it affects the decision of the bank? How to check the purity of your CI, read here. Credit workload. High credit load is also a common reason for denial of credit. Each bank has its own understanding of the level of workload, Sberbank also has it, but this position is not disclosed. BY THE WAY! How to restructure loans from other banks in Sberbank, read this article. And how to refinance in this one, because refinancing and restructuring are two different things! Wrong age.

Reasons for refusal to issue a loan from Sberbank

When can you apply again? Now that you know what points to work on if Sberbank refused a loan, let's figure out when a re-application is appropriate. In most banking organizations, and Sberbank is no exception, there is an unspoken rule under which a negative decision to issue a cash loan works for 60 calendar days.

Attention

This is the answer to your question - once again you can come to receive the amount of money at least 2 months after receiving the previous refusal. An important parting note - it is highly recommended not to rush to submit a re-application if you are not yet ready and have not eliminated the reasons for the refusal indicated above.

Also, you should not re-apply to Sberbank for a loan after a refusal before the expiration of 60 calendar days.

The procedure for submitting a repeated application to Sberbank for a loan

1 Reasons depending on the borrower
2 Reasons depending on the bank
3 Why Sberbank refused a loan to a payroll client

Reasons depending on the borrower The borrower does not fit the requirements of the bank, does not fit the bank's idea of a "good" borrower. Nobody hides these requirements from the public, read the descriptions for each loan product.

But even if you understand that you are able to fulfill these public requirements, this does not mean at all that the loan will be successfully approved for you. For there is also the internal kitchen of the bank, on the basis of which it makes a decision.

Why is Sberbank still refusing a loan? ON A NOTE! You must be honest about your candidacy, if the minimum age for a loan is 21, then you should not think that in your 20s you will be approved for a loan.

Sberbank rejected an application for a loan online reasons

In the case when the bank has already made a decision to provide a loan, the borrower can simply refuse to receive it before signing the loan agreement. When a credit institution refuses to issue a loan, the application is reflected in the transaction history in red, the information goes to the BKI. After clicking the "Apply for a loan" button, the application is automatically sent to the credit bureau, to the applicant's personal file.

Important

The next time you apply for a loan, the lender may ask why the borrower refused the loan. He can evaluate this step as the optionality of the borrower, the inability to control his own financial receipts.

Info

However, this fact will not affect the quality of the borrower's credit history in any way. These options arise when the borrower simultaneously applies to several banks in order to be able to choose more favorable conditions lending.

What does the application rejected by Sberbank mean?

The bank will not be able to sue a disabled person, which means that no one wants to get involved with credit obligations.

Banks will not issue a loan if it is needed for treatment, for starting a new business. These loans are a big risk for the bank.
Loans that are issued in cash do not require collateral and guarantors, it is not necessary to indicate the purpose of the loan. Banks are willing to allocate funds for the purchase of an apartment, car, furniture or equipment.

In addition, you can get a loan for a vacation. If the money is needed for other purposes, then you need to indicate - "other". It is not recommended to use the above three needs before. In this case, the bank will not control the use of funds, which means that they can be disposed of as you like.
First of all, you need to decide on the amount of the loan, because the funds will need to be returned.

Reasons why Sberbank may refuse a loan

At the moment, in order to receive a loan from Sberbank, the borrower must be at least 21 years old and not older than 65 years old at the time of the end of the loan agreement. For information on how to get a loan for a pensioner at Sberbank, read this article.

BY TOPIC Where to get a loan at the age of 80 Trouble with the law (conviction). If you have a criminal record or problems with the law, this can also be a direct reason why Sberbank refuses a loan. The specific occupation of the borrower. Some professions are undesirable for a bank in terms of lending. These are primarily high-risk professions.

Employment and work experience.

What to do if the savings bank refused a loan. reapplying for a loan

Of course, it is always unpleasant to receive a notification about a negative decision, especially when it comes to lending. Faced with such a decision of a banking organization once does not mean completely losing the opportunity to get a loan from this institution.
There is always a chance to reapply. CONTENT

1 Reasons for refusing a loan
2 When can I reapply for a loan?
3 How to reapply

Reasons for refusing a loan Sberbank may refuse a loan only if there are good reasons, which include:

Non-compliance of the borrower with the main conditions (age restriction, the presence of official employment, the duration of the total length of service for 5 years).
A loan will not be approved if the applicant is under 21 years of age or over 65 years of age.

Why does Sberbank refuse a loan?

Question: Why does Sberbank refuse a loan not only to a citizen from the “street”, but even to a salary client, that is, “its own” client, to whom Sber is usually willing to issue loans? Answer: there are a huge number of reasons for this, and it is far from always possible to find out, due to the fact that the bank is not obliged to explain its decision to the client, we can only guess. Go! We will not deliver porridge on a plate, we have a specific question, we will give a specific answer to it. First of all, you need to understand that the reasons for refusing a loan, after you have filled out an online application to Sberbank, can be associated both with the personality of the borrower himself and with the bank itself. There can be no other reasons for refusal. But first you need to make sure that the loan at Sberbank is really not approved. How to do it, read here.

Reasons for refusal when applying for a loan online

And providing false information again increases the risk of rejection. When you can re-apply for a loan The maximum time for the formation of a conclusion on the issuance of a loan in Sberbank is 2 months.

The same time frame applies to loan denials. When issuing banking organization negative decision, it will be unchanged for 2 months.

In case of re-submission of the application before this deadline, it will be rejected by the system without even reaching the specialist of the department. If the reasons for refusal have become irrelevant before 60 days, it makes sense to apply for another loan product. For example, if a bank refuses to issue a consumer loan without collateral, you can open a credit line secured by collateral or guarantee, and this request will already be considered a new one.

How to delete an application for a loan to Sberbank online

Online loan application is convenient and in a simple way loan processing. However, there are situations when the borrower decides to refuse to attract borrowed funds after the application has already been completed or at the stage of its execution.

An error may also be made when entering information about the borrower, the required amount, term and other lending conditions. Therefore, there is a need to remove the application. In the Sberbank Online system, there are the following options for deleting an online application for a loan: Cancel an online application in the Draft status You can delete an application in Sberbank at any time while it is in the Draft status.

To fill out an application on the website, the applicant is invited to fill out a questionnaire - an application that contains personal information about the borrower, the parameters of the requested loan.