Russian standard consumer credit in cash according to the passport. How to get a cash loan in Russian standard online application
Russian Standard is a Russian commercial institution, the main activity of which is the issuance of loans to the population. The banking products of this organization are in great demand among the residents of our country due to their availability, ease of obtaining a loan and the ability to get a fairly decent amount to solve pressing problems. The topic of today's article will be a cash loan Russian Standard, an online application for which can be issued on the bank's website. Let's tell on the conditions for issuing a loan, the advantages of obtaining a loan for individuals and other important points for a potential borrower.
As we said, today Russian Standard Bank specializes in lending to individuals... But, at the same time, the bank actively attracts free funds of citizens into deposits, provides settlement and cash services, international settlements and transfers, and also offers its customers other types of banking services.
Cash loans at Russian Standard Bank
The bank is very popular, and therefore many residents of our country are interested in how to get a loan in Russian Standard in cash. It is quite simple to do this and, most importantly, the procedure for obtaining a loan and receiving money takes very little time.
This banking organization offers several loan products that individuals can use. Each of them has its own characteristics, including clear advantages and certain disadvantages.
Cash loans
This loan program has remained popular with clients of a banking institution for many years. The misuse of the funds received is the main benefit for borrowers. This the program assumes such conditions:
- loan rate up to 37% per year (minimum rate 19.5%);
- the maximum amount receivable is up to RUB 300,000;
- the maximum loan term is 3 years;
- the program does not imply additional collateral for the loan;
- for making a monthly payment through the bank's cash desk, a commission is provided - 0.5% of its amount (at least 50 rubles);
- the program does not imply compulsory insurance;
- the minimum time for consideration of the application is up to 10 minutes;
- you can get a loan in cash or by wire transfer;
- loan repayment is carried out in monthly annuity payments;
- there is a possibility of repayment of the loan ahead of schedule, while the client does not have to pay additional commissions;
- in the event of a delay in payment, a penalty of 20% of the outstanding amount is charged.
Russian Standard - favorable lending terms
Additional benefits of this loan program include the following points:
- Getting a loan is possible without confirmation from the official place of work.
- The loan agreement is drawn up upon presentation of 2 documents by the borrower.
- Many options for making mandatory payments.
Special program for regular customers
This program is provided individually for a regular borrower... It is possible to take out a loan under this program only if the terms of the loan agreement are strictly observed (there are no delays in making payments) and the loan is closed on time in the amount specified in the agreement.
Cash loan is an opportunity to solve many problems!
In the main part, the conditions of this program are identical to the variant described above, although some differences still exist:
- the interest rate for this program is 24% per annum;
- maximum amount receivable - 500,000 rubles;
- the maximum loan repayment period is 3 years.
Consumer +
This program is a mini-loan for a payday loan... Ideal for people who need a small amount of money to purchase something. The bank provides the following conditions for this credit program:
- a loan can be issued in the amount of 5 to 30 thousand rubles;
- interest rate under the program 42% per year;
- loan repayment period from 6 to 12 months;
- the loan can be closed ahead of schedule without paying an additional commission.
Russian Standard Bank offers profitable lending programs
After the approval of the application, the money is credited to the borrower's bank-in-pocket card.
Consumer-24
Russian Standard Bank offers credit program on the most favorable terms... It is aimed at borrowers who want to get a loan to receive a significant amount of money. The conditions for this program are as follows
- the interest rate is calculated at the rate of 24% per year;
- loan amount from 300 thousand to 1 million rubles;
- loan maturity - 6-36 months.
Loan for the purchase of goods
Sometimes our desires do not coincide with the possibilities we currently have. Proceeding from this, the banking institution entered the sphere of microcrediting of the population. And almost everyone can get a profitable consumer loan in cash in order to spend the funds received to buy the required goods or pay for any services.
Loan processing at the bank office
You can receive the missing funds in any of the numerous branches of the bank operating in Russia, for example, branches of the bank Russian Standard Chelyabinsk and Russian Standard Novosibirsk, or in cities such as Samara, Yekaterinburg, Volgograd, or in another convenient way.
In addition, the bank offers other products, the benefit of which lies in their almost instant registration and minimal overpayment... To obtain a loan under such a program, it is not at all necessary to go to the bank's office - you just need to find a representative of a financial organization at a retail outlet that is a partner of the bank and arrange a loan on the spot. This will save you a lot of time.
When making out such a loan, a person must provide 2 documents: a passport and, for example, SNILS. The conditions of the program "Loan for the purchase of goods" are as follows:
- amount receivable from 3 thousand to 1 million rubles;
- the loan is issued for a period of 3 to 36 months;
- high percentage of approval of applications;
- positive decision in 15 min.
Russian Standard Bank - profitable loan programs for the population
How to arrange
To obtain a consumer loan in Russian Standard, the borrower can apply for a Russian Standard loan online in cash. To do this, you need to go to the official website of the lender and fill out the special form available there. The borrower will need to provide real information, otherwise he will be refused to issue funds.
After processing the questionnaire (this will take some time), the borrower will be called by an employee of a banking institution in order to clarify the necessary data... If the lender makes a positive decision, the borrower will be invited to the bank office for personal paperwork and issuance of funds.
Loan processing online
Documents required for a loan
To apply for a loan at Russian Standard Bank you will need to provide the following documents:
- borrower's identity card (passport);
- loan application;
- the second document (at the discretion of the borrower) - a foreign passport, TIN, VMI, SNILS, driver's license;
- pension certificate (for the relevant category of borrowers);
- 2-NDFL certificate or other proof of income (when applying for a loan for large amounts).
Borrower requirements
Before applying for a loan, you must carefully read the terms of lending and the requirements of the lender to the borrower, as well as look at the reviews of current and former clients of this financial institution.
Fast processing of a cash loan at Russian Standard Bank
The main the requirements for bank borrowers are as follows:
- Russian citizenship;
- availability of permanent registration;
- age from 21 to 65 years (in some situations, the minimum age can be lowered to 18 years);
- having a permanent place of work to provide a 2-NDFL certificate (for some types of loans it is not mandatory, but then the loan rate increases);
- providing a home / work phone number (landline).
A potential borrower should have a positive CI or it should not be at all(the person has not previously applied for loans). There should be no current debts on other credit obligations to third-party banks.
Russian Standard Bank is a reliable partner
This credit institution often issues loans to citizens whose salary is at least 20 thousand rubles. This is justified by the minimum amount required for living (it is approved at the level of 10,000 rubles). In the presence of minor children, the income must be at least 30 thousand rubles.
For small loans, the lender does not require a 2-NDFL certificate, but an additional document is required, as well as documents establishing the ownership of the property. But when receiving significant amounts of money, the borrower must provide all of the above documents.
A loan from this bank will suit many citizens. Thus, a consumer loan is beneficial for retirees. Upon presentation of the relevant document confirming the status, the borrower can expect to reduce the final cost of the loan at times.
Applying and obtaining a loan
Having prepared the required documents, the borrower does not always know how to proceed. Often, bank employees do not tell you how to get a loan faster and cheaper. And you can do this on the bank's website by filling out an online application.
Cash loan in Russian Standard on favorable terms
This will require:
- go to the official website of the bank;
- open the "Loans" tab;
- select a product that is beneficial to you;
- click the "Checkout" button;
- fill out a questionnaire;
- give consent to the processing of personal data and wait for a response.
The borrower can receive credit funds in cash or non-cash (depending on the chosen program).
Payment
Contribute monthly loan repayments can be made in various ways:
- automatic debiting from the Bank in Pocket card;
- at the cash desk of the bank or its ATMs;
- interbank transfers;
- using terminals Qiwi, MKB, Eleksnet;
- by sending an electronic transfer Leader;
- via postal order;
- by making a transfer from a mobile phone account.
It should be emphasized that payments must be made several days before the date specified in the agreement and in the amount specified in the loan agreement.
In contact with
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Each person sometimes has to make expensive purchases or incur other major expenses. But not everyone can accumulate a large amount on their own. The solution to the problem can be a cash loan at Russian Standard Bank. It allows you to borrow up to 2 million rubles right on the day of circulation. But before proceeding with a loan, it is worthwhile to 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 collateral or surety makes the product more affordable 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 entered into an acquiring agreement with RS or an agreement on organizing cashless payments, then the maximum credit limit for him may be increased to 2 million rubles.
The rate for the basic program is 19.9-28%. But for clients classified as reliable, it can be reduced by up to 15%. There are no commissions for service, issue, etc. Insurance coverage is connected at the request of the borrower. This is a paid service and can be canceled without changing the credit conditions. But if the insurance contract is not concluded, then the borrower (or his heirs) will have to pay off the debt and interest in any even the most unfavorable situation.
Credit card Russian standard Platinum
Credit limit:
RUB 300,000
Grace period:
55 days
from 21.9%
from 21 to 65 years old
Consideration:
Service:
499 rubles
The withdrawal of money is carried out by crediting it 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 (SMS notifications, e-mail information, payment date selection, etc.). They can be provided for a fee, but they can be canceled before the conclusion of the contract. Credit conditions are not revised in case of refusal from paid services.
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 the application is made. But it should be borne in mind that this calculation is preliminary in nature. The final amount of contributions and overpayment can be found out only after scoring and approval of the application.
Example. When applying for a loan of 500 thousand rubles. for a period of 4 years, monthly it will need to be paid for about 16301 rubles.
Minimum rate guarantee service
There are no paid options for rate reduction in Russian Standard. But the financial institution has developed a special program for reliable clients. Under it, you can get a loan for 500 thousand rubles for a period of 1 year. The rate in this case will be 15% per annum. There is no fee for using 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 in the event of the death of the borrower or disability. Additionally, you can connect financial protection. It provides for assistance to the insurance company in the event of problems with debt repayment due to involuntary job loss (for example, when an enterprise is liquidated or downsized).
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. Refusal from them does not lead to a change in rates or other approved parameters of the contract and does not require a revision of the decision on the application. You can turn off insurance until the moment of signing the credit document, then it will be very problematic or even impossible to do it.
Borrower requirements
Russian Standard is well known for its loyal attitude towards borrowers. Consumer loans in cash in it are available for all citizens of the Russian Federation aged 23 to 70 years, 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 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 conditions. They may differ materially from those requested in the application and indicated in the advertisement. For each application, the credit institution not only checks the borrower's conscientiousness, 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 putting down the appropriate marks in the questionnaire, agreement and annexes to it. 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 imperative to take into account all the risks that arise.
- A responsibility. The absence of surety and collateral does not mean that the borrower is not responsible for the fulfillment of obligations under the loan. For each day of delay, he will be charged a penalty in the amount of 20% per annum. This can lead to an increase in the cost of borrowed money. And also the creditor can collect the debt in various ways, including through the court.
- Early repayment. It is permissible without charging a commission, but a certain order must be followed during the operation. In particular, it is necessary to submit an appropriate notification to the credit institution in advance using one of the provided methods.
How to get the
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 submit an application on the official website of the RS. This step is optional, but it can significantly reduce the time when contacting the office for a loan and find out the individual conditions without leaving home or work.
After receiving a personal offer, there are 3 steps left to complete to receive money:
- Visit the office of Russian Standard and submit all the necessary documents to the manager
- Wait for the final approval of the loan
- 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 undergo scoring without a visit to the branch of a credit institution and immediately receive preliminary approval and approximate credit conditions. You can submit it on the RS website by filling out a special form. It will require the following information:
- Personal data. On the same page, you must specify data on the approximate monthly income, as well as the desired parameters of the loan.
- Passport data. In addition to information about the identity document at this step, you must fill in the registration and residence address, as well as choose 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 activate SMS-informing. 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, additional document to confirm identity, etc.
How much to wait
A preliminary decision and an individual proposal 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 transfer of all the necessary documents to the department.
It usually arrives no later than the next business day. The funds can be received immediately after signing the contract. They will be credited to your account in just a few minutes. If there is not enough cash at the cash desk at the moment, they will have to be ordered the next day. But situations like this are 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 old
from 12%
from 18 to 70 years old
Consideration:
Cash loan in 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 old
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 in order to receive it, it will be enough to present to the department a passport and one of the additional documents (for example, SNILS or a driver's license). When applying for 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.
This can be done using the following documents:
- 2-NDFL certificate
- statement of a personal account from the FIU
- extract / certificate of ownership of real estate
Individual entrepreneurs can prove income using tax returns. In some cases, employees of a financial institution may request additional documents from the client to make a decision on the application.
Cash loan at 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 old
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 at 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
When receiving a loan, the client is given a copy of the documents. Among them there is also a payment schedule. It contains information about the amount of each payment and the dates of its debiting. It is recommended to pay in advance to avoid technical delays and penalties due to delayed transfers.
If you don't have a schedule at hand, then you can get information about the date, the amount of the upcoming payment and the details for crediting it in one of the following ways:
- Call the information center. It works around the clock, and you can call it at 8-800-200-31-13.
- At the office of Russian Standard. They are found in almost all major cities. You can find out the opening hours and the address of the nearest branch on the bank's website.
- Using an online service. All borrowers are given the opportunity to use the internet bank and smartphone app 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 pay off the debt without commission in cash at ATMs or terminals, as well as by transferring from any card (account) of the Russian Standard in a smartphone application or Internet bank. In this case, funds will be credited before the end of the current day, and in most cases - instantly. When depositing cash through 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 size of the commission is set by the sender.
- By postal order. The money will be credited within 3 days. The commission will be 1.5%, but not less than 40 rubles.
- In terminals or through the Eleksnet online wallet. The commission for the operation will be from 0.9%, but not less than 20-50 rubles. It takes 1-3 days for funds to be credited.
What happens if you don't pay
Late payment is a breach of contract. The borrower will have to bear financial responsibility for this. For each day of delay, a penalty will be charged for the amount owed. Its size is determined based on the rate of 20%. Overdue debt also negatively affects the credit history and significantly complicates obtaining new loans, even from other banks.
As a rule, the customer will be informed about the resulting delay by SMS or phone call to the employees of the service for work with problem debts. If the debt is not repaid in the shortest possible time, then collectors and specialists of the collection department can join the work with it. A credit institution in this situation may terminate the contract and demand the immediate payment of the entire debt, interest and penalties on it.
The current legislation and the agreement allow the bank to go to court and collect the debt already through the 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 to him:
- Seizure of accounts / cards and debiting funds from them to pay off debt (including from incoming salaries)
- Imposing a ban on leaving Russia
- Arrest of property, as well as its seizure and sale from the auction to pay off the debt
Early repayment
The Bank allows early repayment of debt in whole or in part. In accordance with the legislation, no commissions are taken for this operation, and the interest payable is recalculated. The client must be sure to notify the credit institution about the desire to repay the debt ahead of schedule. There is only one way to do this - by submitting an application in person at the office. Notifications of early repayment are accepted at least 30 days prior to the date of the transaction indicated therein.
Early repayment is carried out exclusively on the date of the monthly payment. If on the date specified in the application there are not enough funds on the account to carry out early repayment, the application will be automatically canceled. After partial early repayment, a new debt repayment schedule is formed. It can be obtained from a branch of a financial institution or through online self-service services. In case of full early repayment of the debt, it is advisable to obtain a certificate of the fulfillment of all obligations in the office.
Reasons for refusal
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 is the final approval made by the security personnel. After analyzing the application, the financial institution may refuse to issue a loan.
At the same time, his employees are not obliged to explain why a negative decision was made. But the list of the most common reasons for refusal is well known:
- Delays in excess of 5-10 days on other loans (including those repaid in other credit institutions), as well as other negative information in the credit history.
- Insufficient income of the borrower or a large number of active loans at the present time.
- Large debts in fines, taxes, alimony or court decisions, collected by the FSSP.
- Inaccurate information in the questionnaire, application, or doubts about the authenticity of the submitted documents.
- The borrower does not meet the minimum requirements (for example, the lack of permanent registration).
Advantages
It's easy to get. This does not require proof of income and does not require collateral. And also this product has the following advantages:
- Quite a large maximum amount, which will be enough for almost any large purchase.
- No need to indicate the purpose of obtaining and the ability to spend borrowed funds for any goods or services.
- The ability to receive the required amount very quickly - within 1 day.
- Optional conclusion of an insurance contract and purchase of additional services for the approval of the application.
disadvantages
The main disadvantage of cash loans from Russian Standard is rather high rates. They will be especially high for new borrowers. This directly affects the overall overpayment. And also the following can be attributed to the number of disadvantages of the product:
- The need to submit an application to the office for an early repayment at least 30 days in advance.
- The availability of the minimum rate only for reliable clients of the bank when receiving a loan on strictly agreed terms (amount - 500 thousand rubles, term - 1 year).
- Paid notification by SMS, although you can refuse it.
Go to the website of Russian Standard Bank. Calculate your loan in an online calculator. To send an application, click on the "Checkout on the site" button:
Fill out the application - enter your name and age, select your gender. Indicate the amount and term of the loan. Select the city where you want to get a loan. Click on the "Submit" button:
An employee of the Russian Standard will call and help prepare the documents for the loan application.
Borrower requirements
- Russian citizenship
- 25 to 65 years old
- Permanent registration in Russia
Required documents
- Russian passport
- Additional document - OMS policy, TIN, driver's license, SNILS, military ID, seaman's or serviceman's certificate, Russian Standard card, international passport, STS, PTS, certificate of registration of ownership of real estate, certificate from the duty station, 2-NDFL, extract on account or deposit
About the 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 developing car loans and credit cards. In 2018, Russian Standard had a large debt to investors, which led to a sharp decline 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 its capital. The bank's head office is located in Moscow. The branch network has 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, retail loans 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 high net worth clients. The bank also serves business - entrepreneurs have access to cash settlement services, loans, deposits, acquiring, salary 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 website of Russian Standard 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 the personal account of the bank. We provide only the most up-to-date information.
Answers to popular questions
How can I find out the amount of the monthly payment?
To find out the amount and date of loan repayment, use one of the services of the Russian Standard - Internet bank, mobile application, call center 8 800 200 31 13. You can clarify information about the loan at the bank's office.
Do I need to insure a loan from Russian Standard?
The insurance service is optional. Russian Standard also issues loans to uninsured borrowers. The issued insurance will protect against the need to repay the loan in an unfavorable situation. The bank offers programs "Life and health insurance" and "Insurance against involuntary job loss".
Russian Standard Bank branches are located in more than 1200 regions of Russia. In any of them, you can get a cash loan on favorable terms. The bank does not limit the purpose of lending, does not require guarantors and pledges. In the article we will tell you in more detail how to get a consumer loan in cash from the Russian Standard Bank. What kind of organization offers types of loans, what are the conditions and requirements.
Conditions for issuing consumer loans at Russian Standard Bank
An application for a loan at Russian Standard Bank can be submitted in several ways, the decision is made within 15 minutes.
You can apply for a consumer loan in one of the bank's offices, in partner stores or on the organization's website. The decision to grant a loan is made within 15 minutes. Basic conditions for issuing loans in cash:
- amount - from 30 to 300 thousand;
- annual percentage - from 15% to 36%;
- loan term - from 6 months to 3 years.
If a regular client of the bank applies for a loan, the following conditions are offered to him:
- amount - from 50 to 500 thousand rubles;
- rate - up to 24% per annum;
- validity period - 6 months-3 years.
Loan types
Russian Standard Bank offers borrowers several lending programs.
Cash consumer loan
- amount - from 30 to 500 thousand rubles;
- rate - from 15%;
- term - up to 60 months;
- the ability to repay the loan ahead of schedule;
- the decision is made instantly.
For reliable clients with a good credit history, the bank offers a "10%" loan. Under this program, you can get from 30 to 100 thousand rubles. Loan term - up to 10 months with an overpayment of 10% for the entire period. This amounts to about 21.26% per annum.
Another offer is a 19% loan. Under this program, you can get from 100 to 500 thousand rubles at 19% per annum. The loan term is 36 months.
Consumer loan for the purchase of goods
- amount - from 3 to 300 thousand rubles;
- the interest rate varies;
- term - from 3 to 36 months.
When applying for this type of loan, customers can use the services of stores that are partners of the bank. Advantages of the program:
- Upon presentation of the passport, the decision on the loan is made within 15 minutes.
- The bank's partner stores include a large number of retail chains.
- You can repay the loan ahead of schedule without commission.
- The interest rate may vary.
- Possibility of connecting the SMS-informing service.
- The possibility of life insurance of the borrower is offered.
Benefits in obtaining a consumer loan can be obtained by cardholders:
- credit;
- salary;
- transport;
- "Corn";
- "Turbo".
For the rest of the customers, a “Bank in Pocket” card is opened free of charge, to which funds can be transferred. It can also be used to make loan payments.
Obtaining a loan in "Russian Standard" - nuances
When applying for a loan at Russian Standard Bank, you need to remember about the additional commission. It is withdrawn at the time of debiting money from the client's account and does not apply to an amount less than 10 thousand rubles per day. In other cases:
- 1% of the amount of 10-50 thousand rubles;
- 5% of the amount 50-500 thousand rubles;
- 10% of the amount of 500 thousand rubles per day.
In addition, you need to remember about the timely repayment of payments. Otherwise, the bank charges a fine in the amount of 300 to 2000 rubles for each fact of delay. In addition, interest is charged in the amount of 0.2% of the amount owed for each day of delay.
Documents and requirements
To obtain a consumer loan at Russian Standard Bank, you will need to provide the following documents:
- passport;
- second identity document (passport, pension or driver's license, health insurance policy);
- 2-NDFL certificate from the place of work (not required, but will reduce the interest rate).
The borrower has the following requirements:
- borrower age - from 25 to 65 years;
- Russian citizenship is required;
- registration in the territory of the Russian Federation;
- 2 phone numbers (work and home) so that the bank can verify the identity of the client.
Advantages and disadvantages
A consumer loan in cash from Russian Standard Bank has a number of advantages:
- Availability. Any client can get a loan only on two documents. Proof of income is not always required.
- Simplicity of design. There is no need to collect a large package of documents; to obtain a loan, you just need to contact a bank specialist.
- The convenience of use. Clear goals are not indicated, the client can spend money as he wants.
- Inexpensive decoration. Insurance and other types of services are not required, the client pays only the percentage specified in the contract.
- The repayment schemes are convenient - the payments are equal.
- The possibility of early repayment.
Disadvantages:
- When applying for a loan, the bank obliges the client to pay a commission for the issuance of funds. The percentage depends on the amount and reaches 10%.
- Interest rates are high.
Russian Standard Bank offers several programs for obtaining a consumer loan in cash. The convenience is that you don't need to prove your income. But interest rates are high, so these loan products cannot be called very profitable.
Alternative favorable loan offers
Consumer loan from the bank "Russian Standard": conditions, types
4.8 (95.94%) 69 vote (s)Alexander Vereskov
I am a borrower with a positive credit history. There was a contribution to the "Russian Standard", which I took without any problems. After a while, the bank received an offer to take out a loan on favorable terms. I went to the office. The polite, assertive female manager assured me that there was a favorable offer for her positive clients - an interest rate of 14%. When asked why the contract indicated 27%, she replied that this is the state rate. I will see the real percentage in my Internet bank. I wanted to take out a loan to cover the debt on the card (there at 22%). The employee knew this, but she still convinced me that this was a profitable offer. Thus, she committed a direct deception of the client.
Seva
There is a consumer loan in the Russian Standard Bank. The contract has a preferential repayment schedule. Despite this, I noticed that only the amount of the minimum payment is debited on a monthly basis. The rest of the amount remains on the account. I called the bank on the hotline. The manager explained that this is normal and that during the grace period I will only be charged the minimum amount of the payment. And on the day of the last write-off on early repayment, they will write off the entire remaining amount from me. I objected that this resembles the standard repayment method and is contrary to the preferential schedule and the concluded agreement. He asked to send me a written confirmation of what was said, but the employee refused to do so. The question remained open ...
Lana
I went to the bank's office to write an application for a partial early repayment of a consumer loan. I waited in line for a very long time - it was stuffy and uncomfortable. In addition, the employee took the customer from the ATM area, which further increased my expectation. As a result, the young man considered something for a very long time in order to draw up a statement. After drawing it up, I received a payment schedule, according to which the amount of the monthly payment was to be just over 1,000 rubles. Soon I received an SMS notification that the application was not executed and early repayment was not possible. I contacted the bank by calling the hotline. By the way, I had to "hang" on the line for 20 minutes to wait for the operator's answer, and another 20 minutes while the employee figured out what was the matter. I never heard a clear explanation. The manager said that she had sent a request, and it will take another 3 days for consideration. I am extremely outraged by this fact.
Sergo
Once I got a call on my mobile phone from the Russian Standard Bank. The girl said that there is a special offer for a consumer loan for me. I drove up to the bank office. He named the required amount, after which he was told to wait for a decision. Nobody called me back within 24 hours (as promised). Therefore, he again went to the office on the other side of the city to find out a solution. The operator in the window said that a loan of 100 thousand was approved for me at 39% per annum! The monthly payment will be 5800. I asked why so much? The answer is with life insurance. Where did the insurance come from? I didn't sign anything. Moreover, according to my calculations, the amount of insurance was almost 40 thousand. So he left empty-handed. I don't have enough money to give 40 thousand to the bank just like that. Considering that insurance is voluntary. But as far as I understand, it is unrealistic to get a loan from this bank without insurance. The answer from the staff is the same - either take it as it is, or leave.
Andrey, Pyatigorsk
Applied online for a loan. They called me back on the phone and said it was approved. I arrived at the office. First impressions were terrible. It's stuffy, there are a lot of people in the queue. Only three employees work. Although, according to feelings, only one understands in her business. When my turn came, long checks began. The impression was that there was only a lie detector left to check. And all this torment for 99 thousand rubles (in the future). The result - no credit was given. Although my documents are in order, my credit history is excellent, my job is stable and paid. There are simply situations when a small amount of money is urgently needed. So I turned to this bank, which I have already regretted a hundred times.
Aigul, Tambov
I took a consumer loan in the "Russian Standard". Of the minuses, I will note - payment for SMS, penalties for delays. Pros - you can always call the bank and find out the balance of the debt. After repayment of the loan, you can easily take a certificate from the bank about the absence of debt.
Elena, Perm
There was such a situation that I and my mother urgently needed money. We decided to take a loan in the amount of 100 thousand rubles and apply for my mother. We arrived at the office of the Russian Standard Bank. Submitted all the documents, the loan was approved to us almost immediately, tk. mom is a regular customer of the bank. Drawn up a card and said to come in 3-4 days. The contract included a clause of compulsory insurance. The amount is 19 thousand. We didn't have that kind of money. But the problem was "solved" quickly - this amount was included in the loan and as a result we took not 100, but 119 thousand. They agreed to this because they saw no other way out. Having received the required amount on the card, we arrived home. I re-read the contract and found a clause that says that insurance can be canceled. I collected all the documents (my mother wrote the application by hand), and went back to the bank. As a result, almost the entire amount of insurance was returned to us - almost 18 thousand. After a while, it became possible to repay the loan ahead of schedule. We collected all the documents, waited in line, but in the end they canceled everything and went home with peace of mind. Six months ago, we needed money again. We turned again to the "Russian Standard". But the loan was denied without explanation. We turned to another bank, they issued it there without any problems. I was convinced that banks do not like early repayment and return of insurance.
Sudakova, Krasnoyarsk
Russian Standard Bank became the third bank where I was brought in in search of a loan for my repairs. I arranged an installment plan for interior doors, although in fact it was pure consumer credit. The down payment is 10%. The registration procedure is standard. The insurance was not imposed. The overpayment was obtained only due to SMS-informing (59 rubles per month). I could have refused too, but I didn’t. But the payment schedule made me nervous. Instead of a six-month installment plan, I received a two-year loan with an overpayment of 13,500 rubles. The employee replied that this was the bank's “safety net” in case of my insolvency. In fact, these were insane percentages (43%), which will go if I do not pay for six months. I agreed to such unfavorable terms, because I was sure that in six months I will close the loan. There are two months left. My opinion about the bank is extortionate interest rates and very tricky terms.
Our service is ready to analyze current offers and select the bank with the lowest percentage.
Pick up
Wait, we will select the best offer: 17.0% of the loan.
We have selected several lucrative offers from banks with 12.0% per annum on a loan.
The form to fill out is below.
You just need to contact Russian Standard (an online application for a cash loan using a passport is issued in a matter of minutes). At the end of the page there will be an application form. Fill it out and wait for the result.
You need to enter your full name, loan amount, contact details and more. You will find out the result via SMS. At a convenient time for you, the operator will dial your number and make an appointment.
How to quickly get the required amount
The process of receiving money is as simple as possible. You do not need certificates and other bureaucracy. The basic requirements are:
- Passport
- Registration
- Online application
- Age from 18 years
- Phone number
You can also choose the method of receipt - cash or non-cash. In the first case, you yourself need to visit the bank office or order delivery via courier. In the second case, the money will be credited to the card or bank account.
It's important to know! If you are going to receive finances on the card, then you need to indicate a 16-digit number. Do not under any circumstances divulge the expiration date and CVV code. This data is needed for fraudsters to get money from the card.
We work directly with the best credit partners. The application is being quickly checked and today you can find out the preliminary result. You don't have to run to offices and stand in lines there. Entrust this work to our portal and today you will receive a cash loan according to your passport at the Russian Standard Bank.
Lending characteristics
The registration process is quite simple, as you already understood. Here are the main suggestions:
- Amount - up to 300 thousand rubles
- Rate up to 36% per annum
- Terms - up to 36 months
- Fast loan solution
For regular customers, you can get a discount on the rate, as well as increase the loan amount to one million rubles. You can find out about this possibility through the operator.
For what purposes are loans issued?
Since the loan is not targeted, you can use the funds at your own discretion. You can spend money on:
- Repair of an apartment or car
- Purchase of digital equipment
- Payment for tuition or treatment
- Trip to the sea
- Etc
The main thing that is required of you is compliance with the terms of the loan. You need to make a minimum payment every month, which will be specified in the contract. If possible, you can pay off the debt ahead of schedule without unnecessary overpayments.
Lending in Russian Standard Bank
The advantages of our service
We carry out transactions with a large number of different financial offices. This means that you can count on loans and borrowings in any city of the Russian Federation. The advantages of working with us:
- Large database of proven companies
- No hidden fees
- Fast processing of applications
- The best credit conditions
- Minimum documents for receiving money
- Unique approach to clients
Fill out the application today and get the amount you need at affordable rates. It will be enough to use our services once to make sure how profitable it is.
conclusions
Now, to take out loans, you do not need to spend your personal time sitting in your pants in the office. Fill out the form on our website and get the best result.
Our staff takes into account all your needs. Based on the data provided, the most favorable conditions are selected. You can contact the Russian Standard Bank (an online application for a cash loan using a passport is submitted through our portal in a matter of minutes).
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