Credit from 23 years Russian standard. How to get a cash loan at a Russian standard bank. Minimum Rate Guarantee Service
Russian Standard Bank offers individuals over the age of 23 to apply for a loan within one of the following offers:
- Cash loan up to 2 million rubles will allow you to carry out major repairs, complete construction work, go on a trip, pay for education or use funds for urgent needs. It is provided for up to 5 years, without collateral and guarantee.
- Cash loan for reliable clients up to 500 thousand rubles is provided for 12 months on the security of real estate, available to existing bank customers, holders of a Platinum credit card. It is issued according to the passport + the second identity document of the borrower to choose from, according to the general conditions.
- Consumer credit for the purchase of goods up to 300 thousand rubles. Issued in partner stores of Russian Standard Bank. The repayment period is up to 36 months, the possibility of obtaining a passport without certificates of income and employment.
General requirements for the borrower
The general requirements that Russian Standard Bank imposes on a potential borrower are presented in the table:
As part of the loan offer for reliable clients secured by real estate, a requirement for the monthly income of the borrower is set - at least 150 thousand rubles. For other loans, this requirement does not apply.
List of documents for obtaining a loan
The list of documents that must be collected in order to obtain a loan from Russian Standard Bank depends on the loan amount and the selected offer.
| General conditions - cash loan |
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With a loan amount up to 500,000 rubles:
With a loan amount over 500,000 rubles:
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In the case of obtaining a consumer loan for the purchase of goods in partner stores of the bank, only a Russian passport must be presented. Based on the results of consideration of the application, the bank may request one of the additional documents in accordance with the general conditions.
How to get a loan from Russian Standard Bank without references?
All bank loans can be issued confirming income, replacing them with any second document of your choice, in accordance with the general conditions. Thus, in order to receive a loan, you must present a Russian passport + the second document from the general list, depending on the loan amount
How to reduce loan interest?
The interest rate is set individually for each loan agreement. Reduce interest on loans Russian Standard Bank is ready for borrowers with a positive credit history.
Why can Russian Standard Bank raise the interest rate?
There are no explicit surcharges to the interest rate on the loan at the bank. Borrower's personal insurance is voluntary. However, when buying a policy, the total cost of the loan can increase significantly.
It is also worth paying attention to additional services that are provided for a fee, for example, SMS informing or changing the payment date. Do not forget that due to such payments, the total cost of the loan will be higher.
How to choose the best loan from Russian Standard Bank?
The most advantageous offer in Russian Standard Bank is available for borrowers with a positive credit history in the amount of up to 500 thousand rubles. For this category of customers, the bank will lower the rate and offer to issue a loan under two documents. For other borrowers, to get a loan on favorable terms:
- It is necessary to clearly define the purpose of the loan, the amount and the repayment period. The rate and the list of documents that must be collected to obtain a loan depend on these parameters.
- Calculate the monthly payment with the help and find out the amount of the overpayment to the bank. Make two calculation options, including the amount of insurance and without it.
- Personal insurance does not affect the level of the loan rate. But refusing to buy a policy can reduce your chances of getting your application approved.
- Try not to connect additional services when servicing a loan, since you will pay the commission for their use at your own expense.
- Soberly assess your financial capabilities and choose a comfortable loan repayment schedule. In the future, try to make payments on time, otherwise the bank will charge you a penalty. Use one of the payment methods without commission
Pay special attention to the total cost of the loan (TCP). The amount of TIC is specified in the loan agreement in percentage and monetary terms. It is this indicator that reflects the real rate that you pay to the bank. The offer with the lowest TIC is the most profitable for you!
Possible settlement of a cash loan in the amount of 200,000 thousand rubles, a period of 3 years, a nominal rate of 19.9%:
How to apply for a loan?
There are 3 ways to apply for a loan at Russian Standard Bank:
- At the bank branch, contacting the credit manager.
- online on the official website of the bank.
- At a point of sale or online store when choosing a product.
The bank will consider the application during the day. The decision within the framework of a consumer loan for the purchase of goods and payment for services will be known in 15 minutes. If approved, the funds are transferred to the borrower's account opened with Russian Standard Bank
Where and how to repay a loan from Russian Standard Bank?
Loan repayment is made monthly, according to the approved payment schedule. Early repayment is carried out without restrictions and penalties on any date. To deposit funds to pay off a loan, you can use any convenient method offered by Russian Standard Bank.
A loan from Russian Standard Bank cannot be called the most advantageous offer on the domestic financial market. The interest rate only for selected clients will be less than 20% per annum, but the attitude towards borrowers is loyal. This is especially true for clients with unconfirmed income and damaged credit history.
An online application for a loan in Russian Standard does not oblige you to receive money and is not a loan agreement. This is a kind of verification of the borrower's compliance with the rules of lending at the bank. If you, as a borrower, are suitable for the bank, you will be informed about this and invited to a financial institution to sign a loan agreement and receive money.
Conveniently! If for some reason you do not resemble Russian Standard Bank as a borrower, then you will not waste extra time visiting the bank, waiting in line with the manager, collecting documents and other formalities.
How much time is needed?
Filling in the fields of the online application will take you 10-15 minutes at the most. After that, you send an application to the bank and wait for the managers to consider it. Processing takes up to 1 business day. If your application is approved, you will be contacted by phone and informed of a positive decision. Next, you will need to come to the branch of Russian Standard Bank to sign a loan agreement and receive money in the way you have chosen.
Interesting video! You can learn about the work of Russian Standard Bank and attitude towards customers in the image video.
Can scammers get money with the help of an application?
No, they can't. You can send an application on your behalf to Russian Standard Bank, but only to receive money and sign a loan agreement, you will need to personally and with a passport go to the bank branch. The submitted online application is not a legal document, but simply an offer to consider your candidacy as a borrower.
What should be included in the online application?
In the online application for a loan in Russian Standard, you will need to provide the following mandatory information:
- name of the borrower.
- Contact number.
- Your e-mail address.
You also need to decide on the amount of the loan and the term of the loan. For the convenience of the borrower, a special online calculator is provided. With it, you can calculate the monthly payment by the term and amount of the loan. If the payment is less than half of your monthly income, then you can safely apply for a loan online at Russian Standard Bank. If the payment exceeds half of your monthly income, then the loan will most likely be denied.
Important! The borrower must be at least 23 years old at the time of issuing a consumer loan and no more than 70 years old on the day the last payment is made according to the loan schedule.
What kind of loan can be applied for online?
The application is submitted for a financial product called "Credit Line". Its distinguishing characteristics are as follows:
- The loan amount is set at 30,000 to 2 million rubles.
- The interest rate on a consumer loan for any purpose varies from 19.9 to 28%. The interest rate will be set on an individual basis and depends on income, credit history, previously taken loans from Russian Standard Bank (if any).
- The maximum loan amount with a minimum interest rate is set only for those clients who receive a salary through Russian Standard Bank. Otherwise, the maximum loan amount is limited to 500 thousand rubles.
- For reliable clients who have confirmed their income with certificates and provided a document on real estate ownership, a preferential interest rate of 15% per annum is provided.
Remember that all the final conditions for providing a consumer loan at Russian Standard Bank are set on an individual basis after consideration of the borrower's candidacy.
How to increase the likelihood of obtaining a loan from Russian Standard Bank?
We recommend finding one or more guarantors who will be willing to share the burden of debt with you. You will pay the loan, but if you have delays, then Russian Standard Bank will have every right to recover from the guarantor the entire amount of the debt, along with interest.
How long will it take to process a loan at Russian Standard Bank?
Applying online for a consumer loan at Russian Standard Bank will save you time. You will need to come to the bank branch only once with the documents. During this meeting, the signing of the loan agreement and the verification of the data indicated in the questionnaire with the actual information in the documents will take place. Typically, borrowers spend about 15 minutes signing documents and receiving money.
Every person sometimes has to make expensive purchases or incur other large expenses. But not everyone can save a large amount on their own. The solution to the problem can be a cash loan at Russian Standard Bank. It allows you to get a loan of up to 2 million rubles right on the day of application. But before you start applying for a loan, you should study its conditions in detail and familiarize yourself with possible pitfalls. This will allow you to use credit funds with maximum benefit and minimum overpayment.
Russian Standard provides unsecured consumer loans. The absence of the need for a pledge or guarantee makes the product more accessible and increases the speed of decision making. The loan term can be 1-5 years. Under standard conditions, the bank is ready to provide a loan in the amount of 30 to 500 thousand rubles. If the client is an employee of an organization that has concluded an acquiring agreement or an agreement on the organization of cashless payments with RS, then the maximum credit limit for him may be increased to 2 million rubles.
The basic program rate is 19.9-28%. But for clients classified as reliable, it can be reduced to 15%. There are no fees for service, issuance, etc. Insurance protection is connected at the request of the borrower. This is a paid service and you can refuse it without changing the terms of the loan. But if the insurance contract is not concluded, then the borrower (or his heirs) will have to repay the debt and interest in any even the most unfavorable situation.
Credit card Russian standard Platinum
Credit limit:
300 000 rub.
Grace period:
55 days
from 21.9%
from 21 to 65 years old
Consideration:
Service:
499 rubles
The issuance of money is carried out by crediting them to a card or account. At the same time, no commission will be charged for cash withdrawals and the loan rate in this case will not change. Additionally, the client may be offered to connect various additional services (notifications via SMS, informing by e-mail, payment date selection, etc.). They can be provided for a fee, but they can be waived before the conclusion of the contract. Lending conditions in case of refusal from paid services are not revised.
Example and calculation
It is very important for the client to correctly calculate their financial capabilities in order to avoid delays in repaying debts and the negative consequences associated with them. For the convenience of potential borrowers, a loan calculator is posted on the Russian Standard website. It allows you to calculate the approximate amount of the monthly payment before applying. But keep in mind that this calculation is preliminary. The final amount of contributions and overpayments can be found out only after the scoring and approval of the application.
Example. When applying for a loan of 500 thousand rubles. for a period of 4 years, it will need to be paid monthly for approximately 16301 rubles.
Minimum Rate Guarantee Service
Paid options for rate reduction in Russian Standard are not offered. But the financial institution has developed a special program for reliable clients. According to it, you can get a loan for 500 thousand rubles with a period of 1 year. The rate in this case will be 15% per annum. No fee is charged for the use of special conditions, but the decision on their application is made by the bank independently.
Financial Protection Program
The bank offers 2 insurance options. Standard life and health insurance provides for the repayment of debt by the insurer upon the death of the borrower or disability. Additionally, you can connect financial protection. It provides for assistance to the insurance company in case of problems with the payment of debt due to involuntary loss of work (for example, during the liquidation of an enterprise or reduction).
Credit limit:
from 30,000 to 2,000,000 rubles.
5 years
from 19.9%
from 23 to 70 years old
Consideration:
Any insurance services are issued exclusively at will. Waiving them does not lead to a change in rates or other approved parameters of the contract and does not require a review of the decision on the application. You can turn off insurance before signing the loan document, then it will be very problematic or even impossible to do so.
Requirements for the borrower
Russian Standard is well known for its loyal attitude towards borrowers. Consumer cash loans in it are available to all citizens of the Russian Federation aged 23 to 70, subject to permanent registration in any locality of the country. There are no additional mandatory requirements (including work experience). But the decision on each application is made individually, taking into account many factors.
What to look out for
When applying for a loan, there are no trifles. All documents must be carefully examined before signing them. This will avoid unpleasant situations and conflicts in the future.
Consider what you should pay special attention to:
- Approved loan terms. They may differ significantly from those requested in the application and indicated in the advertisement. For each application, the credit institution not only checks the borrower's integrity, but also calculates the level of its own risks. Quite often, a loan is approved, but with changed conditions for the term, rate or amount.
- Connected additional services and insurance. Most options are available for a fee, but only with the consent of the borrower. It is expressed by affixing appropriate marks in the questionnaire, the contract and its annexes. If any additional services are not required, then you need to check the refusal of them in the documents. But when refusing insurance, it is necessary to take into account all the risks that arise.
- Responsibility. The absence of a guarantee and collateral does not mean that the borrower is not responsible for the fulfillment of loan obligations. For each day of delay, he will be charged interest in the amount of 20% per annum. This can lead to an increase in the cost of borrowed money. Also, the creditor can collect the debt in various ways, including through the courts.
- Early repayment. It is permissible without charging a commission, but a certain procedure must be observed during the operation. In particular, it is necessary to submit a relevant notification to the credit institution in advance using one of the provided methods.
How to get a
Russian Standard has been specializing in providing consumer loans for many years. This allowed the financial institution to work out well the procedure for issuing loans, making it as simple and transparent as possible for the client. To start registration, it is advisable to apply on the official website of the RS. This step is optional, but it allows you to significantly reduce the time when you apply to the office for a loan and find out individual conditions without leaving your home or work.
After receiving a personal offer, it remains to follow 3 steps to receive money:
- Visit the Russian Standard office and submit all the necessary documents to the manager
- Wait for final loan approval
- To sign documents
Credit limit:
from 30,000 to 2,000,000 rubles.
5 years
from 19.9%
from 23 to 70 years old
Consideration:
Online application
An electronic application allows you to pass scoring without a visit to a branch of a credit institution and immediately receive preliminary approval and approximate lending conditions. You can submit it on the RS website by filling out a special form. It will require you to provide the following information:
- Personal data. On the same page, you must specify data on the approximate monthly income, as well as the desired loan parameters.
- Passport data. In addition to information about an identity document, at this step you need to fill in the address of registration and residence, as well as select a convenient city and office for obtaining a loan.
- Contact Information. At this step, the system will also ask for consent to conclude an insurance contract and connect SMS notifications. If the options are not required, then it is better to refuse them right here.
- Additional information. On this page, you must specify information about the employer, position, marital status, an additional document to confirm your identity, etc.
How much to wait
A preliminary decision and an individual offer are received literally within 15 minutes after sending an electronic application. During this time, it is automatically processed by scoring systems and, if necessary, manually checked by the manager. The final decision will be made only after the submission of all necessary documents to the department.
It usually arrives no later than the next business day. Funds can be received immediately after signing the contract. They will be credited to the account in just a few minutes. If there is not enough cash at the cash desk at the moment, then they will have to be ordered the next day. But such situations are quite rare.
Cash loan at Alfa-Bank
Credit limit:
from 50,000 to 5,000,000 rubles.
7 years
from 7.7%
from 21 to 70 years old
Consideration:
Cash loan at Tinkoff bank
Credit limit:
from 50,000 to 2,000,000 rubles.
3 years
from 12%
from 18 to 70 years old
Consideration:
Cash loan at Renaissance Credit
Credit limit:
from 30,000 to 700,000 rubles.
5 years
from 10.5%
from 24 to 70 years old
Consideration:
Cash loan at Home Credit bank
Credit limit:
from 10,000 to 1,000,000 rubles.
7 years
from 7.5%
from 22 to 70 years
Consideration:
Cash loan at Vostochny bank
Credit limit:
from 25,000 to 3,000,000 rubles.
5 years
from 9.9%
from 21 to 76 years old
Consideration:
The documents
If a loan is issued under standard conditions in the amount of up to 500 thousand rubles, then to obtain it, it will be enough to present a passport and one of the additional documents to the department (for example, SNILS or a driver's license). When requesting a loan under the program for reliable clients or for employees of partner companies in the amount of 500 thousand rubles. or more additional proof of income will be required.
You can do this with the help of the following documents:
- certificate 2-NDFL
- personal account statement from the FIU
- extract / certificate of ownership of real estate
Sole proprietors can prove their income through tax returns. In some cases, employees of a financial institution may request additional documents from the client in order to make a decision on the application. 
Cash loan in OTP Bank
Credit limit:
from 15,000 to 10,000,000 rubles.
10 years
from 10.5%
from 21 to 67 years old
Consideration:
Cash loan at Sovcombank
Credit limit:
from 200,000 to 1,000,000 rubles.
5 years
from 17.9%
from 20 to 85 years
Consideration:
Cash loan at SKB bank
Credit limit:
from 51,000 to 1,500,000 rubles.
5 years
from 9.9%
from 23 to 70 years old
Consideration:
Cash loan in Rosbank
Credit limit:
from 50,000 to 3,000,000 rubles.
5 years
from 13.5%
from 23 to 70 years old
Consideration:
Cash loan at UBRD
Credit limit:
from 50,000 to 1,500,000 rubles.
7 years
from 7.9%
from 19 to 75 years old
Consideration:
How to find out the date and amount of payment
Upon receipt of a loan, a copy of the documents is issued to the client. Among them there is also a payment schedule. It contains information about the amounts of each payment and the dates of its debiting. It is recommended to make a payment in advance to avoid technical delays and penalties due to a transfer delay.
If there is no schedule at hand, then you can get information about the date, amount of the upcoming payment and details for crediting it in one of the following ways:
- Calling the call center. It works around the clock, and you can call it at 8-800-200-31-13.
- In the office of Russian Standard. They are available in almost all major cities. You can find the opening hours and the address of the nearest branch on the bank's website.
- With an online service. All borrowers are given the opportunity to use the Internet bank and the smartphone application free of charge.
- From SMS. If the SMS-informing option is active, a reminder with data on it will be sent 10 days before the upcoming payment.
Debt repayment methods
You can repay the debt without commission in cash at ATMs or terminals, as well as by transfer from any Russian Standard card (account) in the smartphone application or Internet banking. In this case, funds will be credited before the end of the current day, and in most cases - instantly. When depositing cash through the cash desks, there will also be no commission, but they will be credited only the next day.
For the convenience of borrowers, alternative methods of debt repayment are also available:
- Transfer from another bank. Funds can go up to 3 business days, and the amount of the commission is set by the sender.
- Postal transfer. Money will be credited within 3 days. The commission will be 1.5%, but not less than 40 rubles.
- In terminals or through Eleksnet online wallet. The commission for the operation will be from 0.9%, but not less than 20-50 rubles. The transfer of funds takes 1-3 days.
What happens if you don't pay
Late payment is a breach of contract. For this, the borrower will have to bear financial responsibility. For each day of delay, a penalty will be charged on the amount owed. Its size is determined based on the rate of 20%. Overdue debt also negatively affects credit history and makes it much more difficult to obtain new loans even in other banks.
Usually, the customer will be informed about the resulting delay by SMS or a phone call by employees of the problem debt service. If the debt is not repaid in the shortest possible time, then collectors and specialists from the collection department can connect to work with it. A credit institution in this situation may terminate the agreement and demand the immediate payment of the entire debt, interest and penalties on it.
The current legislation and the agreement allow the bank to also go to court and collect the debt through bailiffs on the basis of a court decision. In this case, enforcement proceedings are initiated against the debtor, and the FSSP employees have the right to apply the following measures of influence to him:
- Arrest of accounts/cards and write-off of funds from them to pay off the debt (including from the incoming salary)
- Imposing a ban on leaving Russia
- Arrest of property, as well as its withdrawal and sale from auction to pay off debt
Early repayment
The Bank allows early repayment of the debt in whole or in part. In accordance with the law, no commissions are taken for this operation, and the interest payable is recalculated. The client must be sure to notify the credit institution of the desire to repay the debt ahead of schedule. There is only one way to do this - to apply in person at the office. Notice of early repayment is accepted at least 30 days before the date of the transaction indicated in it.
Early repayment is carried out only on the date of the monthly payment. If on the date specified in the application there are not enough funds on the account for early repayment, the application will be automatically canceled. After the partial early repayment, a new debt repayment schedule is formed. It can be obtained at a branch of a financial institution or through online self-service services. In case of full early repayment of the debt, it is desirable to obtain a certificate of fulfillment of all obligations at the office.
Reasons for rejection
The decision on the application is made by the bank individually. In this case, the main checks are carried out by automated scoring systems, and only in some situations the final approval occurs by security officers. After analyzing the application, the financial institution may refuse to issue a loan.
At the same time, its employees are not required to explain why the negative decision was made. But the list of the most common reasons for rejection is well known:
- Delays of more than 5-10 days on other loans (including those repaid in other credit organizations), as well as other negative information in the credit history.
- Insufficient income of the borrower or a large number of active loans at present.
- Large arrears in fines, taxes, alimony, or court orders collected by the FSSP.
- Inaccurate information in the questionnaire, application or the presence of doubts about the authenticity of the submitted documents.
- Non-compliance of the borrower with minimum requirements (for example, lack of permanent registration).
Advantages
It's easy to get. This does not require proof of income and does not require collateral. This product also has the following benefits:
- A fairly large maximum amount, which is enough for almost any large purchase.
- No need to specify the purpose of obtaining and the ability to spend borrowed funds on any goods or services.
- The ability to receive the required amount very quickly - within 1 day.
- Optional conclusion of an insurance contract and the purchase of additional services for the approval of the application.
disadvantages
The main disadvantage of cash loans from Russian Standard is rather high rates. Especially they will be high for new borrowers. This directly affects the overall overpayment. And also among the minuses of the product include the following:
- The need to apply to the office for early repayment at least 30 days in advance.
- Availability of the minimum rate only for reliable bank customers when obtaining a loan on strictly agreed terms (amount - 500 thousand rubles, term - 1 year).
- Paid informing by SMS, although you can refuse it.
Today, it is rare for anyone to go to a branch of Russian Standard Bank in order to try to get a cash loan on a passport. After all, before directly receiving money, you need to collect the necessary set of documents and get encouragement for extradition. In order to save your time, you can submit an online application. The chance of a positive decision will be exactly the same or even higher if we take the fact that the bank employee does not like you when filling out the application.
Conditions for obtaining a cash loan at Russian Standard Bank
- Age from 23 to 70 years;
- Loan rate from 15% to 30% per annum;
- Amount from 30,000 to 2,000,000 rubles;
- Term from 1 year to 5 years;
- Of the documents - a passport + any other.
The bank itself says that a loan can be obtained for up to 5 years, the loan amount is up to 2,000,000 rubles, and the interest rate is only 15% per annum. The age of the borrower is from 23 to 70 years. Not a loan but a dream, no doubt. But, not everything is so simple. Let's sort it out in order.
Let's start with the most important - the interest rate. It can be from 15% to 30% per annum. In order to receive 15% per annum, it is necessary to draw up a “Credit for reliable clients for a period of 12 months”. Also, the loan amount is sharply limited and equal to only 500,000 rubles. The term of the loan at this interest rate is only 12 months. Unfortunately, in addition to your passport, you will also need:
- certificate of income 2-NDFL or information on the state of the individual personal account of the insured person,
- certificate of state registration of ownership of real estate or an extract from the Unified State Register of Real Estate in the name of the borrower.
As you can see, the bank did everything possible not to issue loans at such a low interest rate. In all other cases, the interest rate will be from 19.9% to 29.9% per annum. But here the conditions will not be so harsh.
To receive a minimum rate of 19.9% per annum and an amount of 2,000,000 rubles, your employer needs to have a current account with Russian Standard Bank. Otherwise, the rate will be slightly higher - up to 23-24% with a maximum amount of 1-1.5 million rubles, which is also not bad. But you do not need to confirm your income with any documents. All you need is a passport to approve your loan application.+ any document from:
1. Valid passport in the name of the client;
2. Insurance certificate of compulsory pension insurance (SNILS) in the name of the client;
3. An unexpired driver's license in the name of the client;
4. Pension certificate or Certificate of the territorial body of the Pension Fund of the Russian Federation on the insurance period of the insured person and the amount of the pension he receives (with the reason for granting the pension: old age / for length of service / III group disability) addressed to the client.
In general, Russian Standard Bank is one of the most loyal banks in the lending market. If you set out to get a cash loan, then this lending institution should be at the top of your list of all banks.
Unlike some other organizations, in order to get a loan from Russian Standard Bank through an online application, the borrower does not need any guarantors or collateral.
How to apply online for a loan at Russian Standard Bank
- go to the official website of the bank
- Next, in the window that opens, you need to fill in all the empty fields (name, gender and age, the amount of the desired amount, etc.) It is important to note that all the information provided must be reliable. After filling out the form, click on the "send" button;
- Wait for a call from a bank employee and answer all his questions. In most cases, the employee will be interested in the amount of income and the presence of other loans and delinquencies on them. Speak the truth, otherwise you will be denied.
- If the bank's answer is positive, all that remains is to go to any branch of Russian Standard Bank, sign an agreement and receive funds. Any refusal of the bank to further lending will be logically justified with advice on solving all difficulties.
Especially for potential borrowers, the bank made a video instruction.
How to pay a loan at Russian Standard Bank
There are several main ways to pay off debt at Russian Standard Bank:
- ATM. One of the most convenient repayment options. A visit to the bank is not required;
- Cashier of the organization. The least convenient way, but one of the most reliable;
- Bank transfer. Allows you to pay off the debt by transferring funds from the account of another bank;
- Map « Bank in your pocket". Specialized Russian Standard card. Issuing this card will eliminate the need to personally visit a bank branch - funds will be debited from the account automatically. The only detail is that on the day of debiting, the required amount must be on the card;
- Postal transfer. You can make a loan payment through any branch of Russian Post. The term for enrollment, however, can be up to 3 days;
- Terminal. A convenient way, however, it should be borne in mind that when making any financial transactions through terminals, a commission may be charged.
Thus, it is quite easy to apply for a loan at Russian Standard Bank online, but there are many subtleties and nuances, as well as a list of mandatory requirements that can complicate a credit relationship with a bank. In any case, Russian Standard is one of the most reliable financial institutions that you can trust in obtaining a profitable loan.
Go to the Russian Standard Bank website. Calculate your loan with an online calculator. To submit an application, click on the "Apply on the site" button:
Fill out the application - enter your full name and age, select gender. Specify the amount and term of the loan. Select the city where you want to get a loan. Click on the "Submit" button:
A Russian Standard employee will call and help prepare the documents for the loan application.
Requirements for the borrower
- Citizenship of the Russian Federation
- 25 to 65 years old
- Permanent registration in Russia
Required documents
- RF passport
- Additional document - compulsory medical insurance policy, TIN, driver's license, SNILS, military ID, certificate of a sailor or soldier, Russian Standard card, international passport, STS, PTS, certificate of registration of ownership of real estate, certificate from the place of service, 2-NDFL, extract from account or deposit
About bank
Russian Standard is one of the largest private banks in the country. Founded in 1993 under the name "Agroopttorg". In 1998, it was bought by Rustam Tariko, the creator of the Russian Standard vodka brand. The bank was one of the first to focus on consumer lending and actively develop this product. Later, he also began to develop auto loans and credit cards. In 2018, Russian Standard had a large debt to investors, which led to a sharp decrease in the bank's reliability.
Rustam Tariko continues to own all the shares of Russian Standard and does not plan to let other persons and organizations into his capital. The head office of the bank is located in Moscow. The branch network includes more than 150 offices in many regions of the country. General license number - No., issued by the Central Bank on November 19, 2014.
One of the main activities of the bank is consumer lending, loans in stores and the issuance of credit cards. The bank is a key partner of American Express and Diners Club payment systems in Russia. In addition to loans, the bank offers debit cards, deposits, money transfers and services for wealthy clients. The bank serves and business entrepreneurs have access to cash settlement services, loans, deposits, acquiring, payroll cards and other services.
The documents
- Conditions for consumer loans with a credit limit
- List of information for borrowers on consumer loans
You will learn how to enter your personal account on the official Russian Standard website online. Detailed instructions for convenient and quick access to www.rsb.ru with screenshots and video instructions. A visual guide to recovering a forgotten password to a personal bank account. We provide only the most up-to-date information.
Answers to popular questions
How to find out the amount of the monthly payment?
To find out the amount and date of repayment of the loan, use one of the services of Russian Standard - Internet banking, mobile application, call center 8 800 200 31 13. You can check the information about the loan at the bank office.
Do I need to insure a Russian Standard loan?
The insurance service is optional. Russian Standard also provides loans to uninsured borrowers. The issued insurance will protect against the need to repay the loan in an unfavorable situation. The Bank offers the Life and Health Insurance and Involuntary Job Loss Insurance programs.