Bank loan Russian standard in cash. Application for a loan in the Russian standard. What is the purpose of the loan
Maxim Demchenko
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The bank offers borrowers loans for consumer needs without collateral. Individuals can receive money for any purpose or payment for purchases in partner stores. It is convenient to manage Russian Standard loans through an Internet bank or a mobile application. For timely payments made, the bank accrues bonus points.
Russian Standard Bank offers customers two types of loans: for purchases in stores and in cash at the bank's offices. Applications made in the store are considered within 15 minutes. Standard credit is issued within a day.
All Russian Standard loans are easy to repay. You can choose the date of payment yourself, and there are Internet services to control repayment and make payments.
Cash loan
For this product, the lender issues money for purchases in stores and online stores.
Lending terms
A credit institution issues loans in rubles for up to 5 years. If you prepare the documents correctly, Russian Standard makes a decision on issuing a loan within one day. Collateral and guarantee are not required when obtaining a loan.
General terms
When making a purchase in a store, the maximum loan amount is 300,000 rubles. At the bank office you can get up to 2 million rubles. in cash. The available credit limit is calculated depending on the solvency of the borrower.
The interest rate on a loan is calculated individually. The minimum rate on the "Cash Loan" is 15% per annum. A target loan for a purchase in a store can be issued at a rate of 8.14%.
Features of the loan
Favorable conditions are provided for customers with a positive credit history. Loans up to 500,000 rubles. credit institution issues at a preferential rate. If the borrower provides a document confirming retirement, then he can count on a reduced interest.
Russian Standard pays bonus fees to reliable borrowers. 500 bonuses are charged for applying for a loan, and for each of the first 5 payments, you can get 100 bonuses. The accumulated bonuses can be spent at the bank's partners, including household appliances stores, travel agencies, and airlines.
Requirements for the borrower
Russian Standard Bank limits the age of borrowers and requires them to meet certain criteria. To apply for a loan, you must have official employment and registration in Russia.
Primary requirements:
- age from 23 to 70 years;
- citizenship of the Russian Federation;
- permanent registration on the territory of the Russian Federation;
- official place of work;
- category of the borrower - pensioner, working;
- having a landline phone.
Required documents
Russian Standard Bank requires the borrower to confirm its status. Be sure to verify your identity. Usually a passport is enough for this, but a bank employee may ask for a second document.
Mandatory:
- Passport of a citizen of the Russian Federation.
- The second document: passport, SNILS, driver's license, real estate documents.
Additional:
- Bank statement of income.
- Certificate of income 2-NDFL.
- Tax return.
To get better loan terms, it is recommended to verify income and employment. If you need to apply for a loan in the amount of more than 500,000 rubles, then it is mandatory to provide documents from the additional list. Other documents may be requested by Russian Standard in exceptional cases, if it is necessary to confirm additional income.
Design methods
A loan in Russian Standard can be issued in several ways. "Cash loan" is convenient to issue on the website or at the bank's office. Target loans for purchases can be issued in partner stores.
Through the Internet
To apply online, you need to go to the product page on the official website of the bank and click on the "Apply a loan" button. The opened form must be filled out and sent to the bank.
Russian Standard will consider the application within 24 hours. A bank employee will call by phone and inform you of the decision. After the preliminary approval of the loan, it is necessary to confirm the information of the questionnaire with a package of documents.
In the office
You can apply for a loan at the nearest Russian Standard branch. This method is convenient in that you can get detailed advice and immediately submit documents for a loan application. A bank employee will help you fill out the questionnaire correctly and inform you of a preliminary decision.
To find a convenient office of a credit institution, you need to open the "Offices and ATMs" tab. If you specify your city, the service will compile a list of suitable options and their location on the map.
In the shop
Target credit of the Russian Standard can be issued in a partner store. The list of such organizations is on the official website of the bank. After submitting the application, the credit institution will make a decision within 15 minutes. After the approval of the loan, it is enough to sign a loan agreement and you can immediately receive a purchase.
In the online store
A loan can be obtained when making a purchase in a partner online store. After submitting the application, a Russian Standard employee will call to confirm the application. He will also inform the decision of the credit institution. After the approval of the application for a loan, the purchase will be brought by the delivery service of the online store.
How to get
Russian Standard Bank issues a loan by transferring the amount:
- to the borrower's bank account;
- at the expense of the organization.
The borrower can withdraw cash from the account after crediting. The bank transfers a credit to pay for purchases to the store's current account.
Repayment methods
You can repay a loan at Russian Standard Bank in cash and non-cash methods. Payment options differ in terms and commission.
No commission
With commission
The borrower can use any convenient way. However, when choosing, it is necessary to take into account the enrollment period in order to prevent delays.
Insurance
This service protects the borrower and his relatives from having to repay a loan in a difficult life situation. The insurance program may include protection against job loss or disability, death. In the event of an insured event, the loan will be repaid by the insurance company. The client can choose the insurance company himself.
The Bank offers individuals two types of consumer loans. In Russian Standard, you can get a cash loan or a loan for purchases in stores. Money to pay for goods can be obtained at a low interest rate. A credit institution issues loans to its customers on preferential terms.
Many customers (both regular and potential) talk about Russian Standard Bank. Some know about a financial institution by credit cards, others by loans that can be obtained in stores to purchase goods.
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But today we want to talk about consumer lending, where the interest rate is slightly higher than for car loans, mortgages (purpose lending), but significantly lower than for credit cards.
Lending terms
A consumer loan at Russian Standard Bank is offered to borrowers on the following terms:
- throughout the entire period, the bank undertakes not to change interest rates, commission fees, loan terms;
- the bank offers several consumer lending programs: "Cash loan on super terms -10%", "Cash loan -19%", "Loans in online stores", "Loans for goods in stores".
Each loan program differs in tariffs, maximum amount, terms of receipt. The loan is provided to citizens who are over 25 years old.
You can download a complete list of information for borrowers on consumer loans provided in accordance with the conditions for loans at.
The term for consideration of the decision, for example, for the loan “Credit for goods in stores” is 15 minutes, the maximum amount is 1,000,000 rubles.
Application
If you decide to apply for a loan in this financial institution, then the first thing to do is fill out a questionnaire - an online application for a consumer loan.
Russian Standard Bank will give a preliminary answer within a few minutes.
The documents
Russian Standard will issue a consumer loan if the borrower provides the following package of documents:
- the passport;
- application form.
The bank will also require one of the following documents:
Income certificate (form 2-NDFL), the form of which can be downloaded at. Or other documents confirming the client's income;
International passport;
pensioner's ID;
health insurance policy.
Interest rates
As noted above, interest rates depend on the loan program, as well as the loan amount:
Before signing the agreement, pay attention to the non-standard commission that is charged for issuing a loan:
| Loan amount, rub. | Commission, % |
| up to 10,000.00 | 0 |
| 10 000,01 – 50 000,00 | 1% |
| 50 000,01 – 500 000 | 5% |
| over 500,000.01 | 10% |
Obtaining and servicing a loan
You can apply for a loan through Internet banking or fill it out directly by visiting a bank branch.
The application is considered from 15 minutes to one day. If the decision is positive, the bank manager will call the borrower back and offer to visit the nearest branch to apply for a loan.
The client must have the entire package of documents with him. The bank signs an agreement with the borrower and provides the agreed amount. All that the client needs is to pay monthly payments on time.
Did you know that there are credit cards with a grace period for cash withdrawals? Want to know more? Walk on .
Everyone can take a consumer loan, but, unfortunately, not everyone knows what it is. If you do not know what a consumer loan is, then you need to read on our website.
Russian Standard - consumer credit
Russian Standard offers its customers loans for goods in stores, online stores, as well as in cash and, according to the bank, on favorable terms.
Cash
The maximum amount of such a loan 100 000 rubles, minimum - 30 000 rubles.
The bank can provide such a loan for up to 10 months with an overpayment of 10% for the entire period. Please note that this is about 21.26% per annum.
Another offer - a loan "19%" for those who need a loan from 100,000 to 500,000 rubles at 19% per annum.
The loan term is up to 36 months. If the bank approves an application for such a loan, in addition to the passport, you must provide a certificate of income, a copy of the work book certified by the employer, as well as any document from the list:
- international passport;
- documents for a car, land (if any), etc.
Video: Cash loan from Russian Standard Bank
Requirements for borrowers
Basic requirements for a potential borrower:
- passport of a citizen of the Russian Federation;
- permanent registration;
- age - 25-65 years;
- certificate 2-NDFL (you may not provide, but the presence of a document will reduce the interest rate);
- availability of fixed telephones (home and work).
The provision of a salary or credit card will also help the borrower to receive benefits on a loan.
Maximum and minimum amount
Russian Standard Bank offers to issue a consumer loan from 3 000 rubles(credit for goods). The maximum loan amount, subject to all conditions, reaches 1,000,000 rubles.
Loan disbursement terms
Loan terms depend on the chosen loan program. The minimum loan term is 3 months, the maximum is 3 years. Possible early repayment of the loan.
And if you want to take a loan for maternity capital, then you need to go through.
Debt repayment
Repayment of a loan or making a monthly payment on it can be carried out in any way convenient for the client.
These can be QIWI terminals, and be prepared to pay a commission of 1.6% (but at least 50 rubles), CyberPlat – 1.5% ( not less than 25 rubles), Contact – 1% ( at least 50 rubles).
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 (full 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.
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, selection of the payment date, 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.
The bank is famous for its good credit history, it offers favorable conditions available to everyone. Regardless of the size of the client's income and his previous credit history, obtaining a loan is easy and fast. There is also no collateral or guardian required. On the day of application, the money will be in the borrower's pocket.
Lending terms
The bank can issue a loan to its client in the amount of up to 300,000 rubles. Now getting a cash loan will not be a problem. Term - up to 48 months. To do this, you just need to bring a few documents to the bank: a passport and any other certificate. It can be anything: a foreign passport, driver's license, etc. The application will be reviewed within 15 minutes.
If approved, the client receives the money. Without certificates, commissions, everyone is allowed to receive funds for any purpose. Another advantage of a loan from BRS is the presence of a grace period when interest is not charged.
Obligatory conditions for the borrower:
- Russian citizenship.
- The issued card of the bank in which the loan is taken.
- You can contact the bank only at the place of your residence.
- Age 25-65 years.
- Availability of a contact phone number.
It is possible to apply for a loan online. To do this, you need to go to the official website of the bank and fill out a special form.
How to get a loan?
First you need to visit a branch of Russian Standard Bank, providing the necessary documents. Then carefully read the contract and sign it. After the application is approved, you can receive your money.
Repayment methods
You can pay a monthly fee in several ways: using an ATM, through a cash desk or using Internet banking.
The interest rate depends on the type of loan. Russian Standard Bank offers customers a choice: a loan at 19% for a period of 3 years and at 10% for a period of 10 months.
Consider the following example:
The client decided to take a cash loan in the amount of 50,000 rubles for a period of 1 year. Interest rate - 10%. Every month he will have to make a payment of about 4395 rubles. Thus, the overpayment will be 2749 rubles or 5.5% of the total loan.
Russian Standard Bank offers its clients the following programs:
In case of late payment, a fine will be charged. Initially, it will be 300 rubles. With each subsequent delay, the amount will double. A penalty of 0.2% of the total amount for each day will also be charged.
Benefits of contacting Russian Standard Bank
- This is the fastest solution to financial problems . It takes a minimum of time to approve the application, the money in the client's pocket is instantly.
- Everyone is guaranteed an individual approach and assistance in choosing the best loan program. Now you do not need to waste time, you can apply online.
- The credit card can also be used at other ATMs There is no commission for withdrawing money.
- No need to provide proof of income . It is possible to repay the loan ahead of schedule, and there will be no commission.
- The official website of the bank contains a calculator , through which you can calculate the loan. This service is free.
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