Russian standard bank loans to individuals. Consumer cash loan at Russian Standard Bank: conditions, rates and customer reviews
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 serviceman, Russian Standard card, international passport, STS, PTS, certificate of registration of ownership of real estate, certificate from the place of service, 2-NDFL, statement of 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 issuance 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, salary cards and other services.
Documentation
- 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 personal account jar. 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.
In this review, we will consider the conditions consumer loans in Russian Standard in 2020. But before that, a few words about the bank itself must be said.
Russian Standard Bank JSC was founded in 1999. To today the bank became one of the largest national financial institutions of federal significance. It is the leading private bank in the consumer lending market.
Russian Standard Bank has a wide own client network. Today, more than 150 divisions of the bank operate, which are located not only in Moscow, St. Petersburg, Yekaterinburg or Krasnodar, but also in other major metropolitan areas Russia. Russian Standard offices are scattered in many cities from Arkhangelsk to Sochi and from Kaliningrad to Vladivostok.
Ease of service, combined with favorable lending conditions, is what makes Russian Standard Bank so popular among the population of the country. More than 28 million individuals use its services, more than 2,048 billion rubles of loans have already been issued.
Features of loans at Russian Standard Bank
Among the features of a loan at Russian Standard Bank are the following:
1. Processing speed
From the application to the receipt of cash takes an average of 1 day.
2. No commissions
You will not have to pay extra for withdrawing money, servicing and repaying the loan.
3. Preferential rate
clients with good credit history can get money on better terms.
4. Minimum documents
Money is issued without collateral and guarantors according to the passport and one of additional documents(see their list below).
See the conditions under which you can get a consumer loan at Russian Standard Bank today.
Russian Standard loans: terms and rates in 2020
Today Russian Standard Bank offers individuals, including pensioners, cash loans in the amount of up to 2 million rubles for up to 5 years. The conditions are simple.
A loan can be obtained in just 1 day and according to 2 documents, one of which is a passport. But interest rates vary depending on the amount and term of the loan.
Let's try to figure out what conditions will be offered today to customers who turn to this bank for money.
Credit line product
Product " Credit line» is provided in the amount of 30,000 to 2 million rubles. Loan term - 12, 24, 36, 48, 60 months. The annual interest rate is set at individually from 19.9% to 28%.
However, the rate of 19.9% and maximum amount of a loan of 2 million rubles is set if the borrower is an employee of an organization that has concluded an agreement with Russian Standard Bank on the organization of cashless payments and / or an acquiring agreement. Otherwise, the maximum loan amount is 500,000 rubles.
Bank loan Russian Standard at 15%
Apply for a loan minimum percentage Not all clients may. The interest rate of 15% per annum is valid for the "Loan for reliable customers for a period of 12 months". The loan amount in this case is not more than 500,000 rubles. Term - 12 months.
The final conditions for obtaining a loan are offered to each client individually.
An example of calculating a bank loan Russian Standard
In this case, at the time of payment, the payment will be the following amounts:
(Calculations are for information and reference purposes only)
Bank loan calculator Russian Standard
Calculate the amount of the monthly payment depending on the interest rate and the amount will help credit calculator on the official website of the bank. But for a preliminary calculation, you can also use our online loan calculator.
Who can get a loan from Russian Standard Bank
The bank makes simple requirements for borrowers:
√ citizenship Russian Federation;
√ age from 23 to 70 years;
√ permanent registration at the place of residence on the territory of the Russian Federation.
Learn more about consumer loans at Alfa-Bank →
Documents for a Russian Standard loan: a list
The package of documents that must be submitted to the bank for obtaining a loan may differ depending on the amount of the loan.
As a rule, to obtain a loan from Russian Standard Bank, it is enough to have:
1. Passport of a citizen of the Russian Federation
2. The second document to choose from: passport, SNILS, driver's license, certificate from pension fund about the appointment of a pension, etc.
However, in some cases, the bank may also require a certificate of income in the form of 2-NDFL, as well as documents for real estate, for example, an extract from the USRN.
How to get a loan from Russian Standard Bank
Checkout consumer loan cash in Russian Standard is quite simple. We suggest you follow the step by step instructions.
Step 1 . Apply for a loan.
Fill out an application on the bank's website. A decision on it will be made on the same day.
Step 2. Submit documents.
In case of a positive decision, contact the nearest bank office to sign the documents.
Step 3 Get cash.
The money will be transferred to an account previously opened for you. It remains only to withdraw the required amount.
Learn more about a loan at Vostochny Bank →
How to repay a loan
The money taken, no matter how sorry it is to part with them, will still have to be returned. Debt repayment occurs monthly on the dates specified in the payment schedule. You will receive this document when you receive a loan.
You can deposit money in cash through the cash desk or ATM of Russian Standard, as well as by postal order. There are also several non-cash ways to repay a loan: through the Internet bank, through the accounting department at the place of work, through the instant payment systems QIWI, Unistream, etc.
Internet banking and mobile bank allow you to always control the balance of debt and repay payments on time. You can get information from the bank by any convenient way: via SMS, email, phone or personal account.
Contacts
Phone: 8 800 200-6-200 (in Russia)
Website: www.rsb.ru
Legal address: 105187, Moscow, st. Weaving, 36.
JSC Russian Standard Bank. General license of the Bank of Russia No. 2289. The information is not a public offer and is presented for reference purposes.
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 send 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 with 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 ownership of real estate or an extract from the Unified state register real estate in the name of the borrower.
As you can see, the bank did everything possible not to issue loans under such low interest. 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 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 territorial authority of the Pension Fund of the Russian Federation insurance experience of the insured person and the amount of the pension he receives (with the reason for granting the pension: old-age / seniority / Group III disability) in the name of the client.
In general, Russian Standard Bank is one of the most loyal banks in the lending market. If you have set out to get a cash loan, then this is credit 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.
Specially 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, but it should be borne in mind that when making any financial transactions fees may be charged through terminals.
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 who you can trust in obtaining a profitable loan.
ELDORADO SHOP - THE KINGDOM OF THIVES A blatant lie, deceit, and fraud was committed by an employee of the Russian Standard Bank in the loan processing department at the Eldorado store in Severodvinsk in relation to me on December 14, 2017. The bank employee deceived me from the very beginning, assuring me that there were no representatives of this bank in the store, although, as I found out today, March 21, 2018, she was the representative of Russian Standard Bank. She didn't have a badge. She declined to give her name or position. Known name - Catherine. So what do you work - I asked her - a cleaner? And gave her my contract without her signature. Yes - she answered me, smiling - a cleaning lady. I, seeing her impudent smile, said: then write in the contract - in money document that you are a cleaner. This unknown person wrote about: I am a cleaning lady (?!). She never gave her last name. My question is to the Manager of Russian Standard Bank: why I was lied to and I was brazenly deceived in the credit department at the Eldorado store on December 14, 2017 and they did not competently explain what conditions - material losses await me when applying for a loan with a cost of goods in the amount of 13 thousand. With my pension of 12 thousand, it is vital for me to know this. No information was given to me by this unknown person in the credit department. If I had received information about insurance of 2,500 rubles, then I would never have taken out a loan for goods. I just wouldn't buy them from this store. By phone hotline On March 21, 2018, I was also deceived. Vladimir answered from Saratov - that's how he called himself. He urged me to urgently deposit money and deceived me that there was no Russian Standard bank in Arkhangelsk. From the forced interaction from December 14, 2017 to March 21, 2018 with employees of the Eldorado store and the loan department, I realized that mutual responsibility flourishes there - lies and deceit - Deputy Director Alexander Popov, in response to what is happening on March 21, 2018, answered me so. I don't know who this person is in the credit department. Perhaps she (it) went about her business and therefore does not have a badge. My impression of interaction with the employees of the Eldorado store, the credit department - Russian Standard Bank and the Russian Standard hotline is that I was among a gang of thieves. I demand that an unknown person - as she called herself in writing - CLEANING WOMAN Ekaterina, who fraudulently filled out the documents for me, answer for her lies and deceit on December 14, 2017, and also on March 21, 2018, and reimburse the money I lost in the amount of 2 thousand 500 rubles for insurance. If this unknown person (as it turned out, an employee of Russian Standard Bank), I repeat, had competently explained the terms of the loan, then I would not buy any things in this store. In addition, I wrote two registered letters - complaints to Moscow in the Russian Standard. And there I was deceived. Lies and deceit are everywhere. I want to ask the Bank Manager what kind of theater of the absurd is this, where thieves operate, "TICKET" for which, as they calculated, costs 17 thousand for less than a month and a half of a loan? I could not even imagine such an impudent group lie and deceit. And if I had, I would have bypassed this store for many, many kilometers. Now I know where the gang of thieves is operating. Please answer me. And accept with copies of papers on the appointed day and hour.
Maxim Demchenko
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The bank offers loans to borrowers 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 the Internet bank or mobile app. 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
Credit organisation 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. Accessible credit limit calculated depending on the solvency of the borrower.
The interest rate on a loan is calculated individually. Minimum bet 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
For clients with a positive credit history, profitable terms. 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 apply for 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. Once the loan is approved, all you need to do is sign loan agreement and you can purchase immediately.
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 avoid delays.
Insurance
This service protects the borrower and his relatives from having to repay a loan in a difficult life situation. Insurance program may include protection against loss of employment or disability, death. On the onset 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.
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