Gazprom interest rate on the loan. Cash loan at Gazprombank
Consumer loans of Gazprombank are issued in rubles at a time or in the form of a credit line. Applications are considered within five working days after the submission of a complete package of documents (starting from the next day). The borrower can take out an insurance policy (health, life, etc.) from any insurer. If a vehicle acts as security, the presence of CASCO is mandatory.
"Easy Loan"
- Amount - 50 thousand to 3 million rubles, without collateral.
- Term: from 13 to 84 months.
"Consumer loan with collateral"
The program is designed for borrowers who want to receive a large amount for any purpose. This is a one-time loan for any purpose, which is issued on the following conditions:
- amount - from 3 to 5 million rubles;
- term: from 13 to 84 months.
"Refinancing consumer loans"
Program for refinancing an existing consumer loan. The main requirements for the current loan: repayment of at least six months on the date of the transaction, the end of the term in at least 3 months.
- The amount is 100 thousand to 3 million rubles.
- Term: from 13 to 60 months.
"Consumer credit for military personnel"
It is issued to military personnel included in the NIS list for consumer purposes in the form of a one-time loan on the following conditions:
- amount - 50 thousand to 500 thousand rubles;
- term - from 13 to 36 months.
"Consumer loan secured by an apartment"
The loan amount is from 500 thousand to 30 million rubles, the loan term is from 1 to 15 years. An apartment owned by the borrower is accepted as collateral.
To choose the right program, you can use the Gazprombank consumer loan calculator. It is used to calculate the monthly payment and the amount of the overpayment.
How to apply?
To apply for a loan, you can contact one of the Gazprombank offices in Moscow or fill out a form on the website. In the case of remote application, the client indicates information about himself, the required loan parameters and contact details. After that, a bank employee will contact the applicant and help you choose the right program.
If the borrower has already made a choice, you need to send a complete online application for a cash loan from Gazprombank. You will need to scan the necessary documents, including a printed and signed consent to a request to the CBI and the processing of personal information.
You will need a passport, SNILS, a document confirming income (certificate or certified original of the salary card statement). Additional documents confirming the solvency of the borrower are welcome. If necessary, the bank has the right to request a copy of the work book certified by the employer.
The loan can be taken by a citizen of the Russian Federation, it is necessary to have a permanent registration on the territory of the Russian Federation. Age restrictions: from 20 to 70 years. The client must have a good credit history, work experience at the current place of work for at least six months (for holders of salary cards - at least 3 months).
Go to the Gazprombank website. Choose the right loan program:
Select the section "Fill out an application" in the menu on the left:
To apply for a callback, please fill out the Express Questionnaire. A Gazprombank employee will call you and help you prepare the documents.
If you want to send a full application and upload scans of documents, use the "Apply a loan online" service.
Requirements for the borrower
- Citizenship of the Russian Federation
- 20 to 65 years old
- Registration or permanent residence in the Russian Federation
- Work experience from 6 months
- Positive credit history
Required documents
- RF passport
- SNILS
- Income Statement or Account Statement
- A copy of the work book certified by the employer (optional)
About bank
Gazprombank is a large universal bank at the federal level. Founded in 1990 to serve the gas industry. Gazprombank heads the financial group of the same name, which includes Credit Ural Bank, GPB-Ipoteka, Evrofinance Mosnarbank and a number of other organizations. In 2019, Evrofinance Mosnarbank came under US sanctions, which is why Gazprombank plans to transfer its shares to the Federal Property Management Agency.
The bank is controlled by the Gazprom and Gazfond groups - together they own more than 87% of the shares. The head office of the bank is located in Moscow. The regional network includes 20 branches, 344 departments and four representative offices in Kazakhstan, India, China and Mongolia. In addition, the bank owns subsidiaries in Belarus, Switzerland and Luxembourg. General license number - No., issued by the Central Bank on December 29, 2014.
Gazprombank actively serves large industrial enterprises in various sectors of the economy. He participated in the organization of a number of interstate projects, including the South Stream gas pipeline. The bank also offers all the necessary services to private clients and small businesses. Among them are lending, deposits and deposits, bank cards, cash and settlement services, investment services and many others.
The documents
- General conditions for granting consumer loans
You will learn how to enter your personal account on the official website of Gazprombank online. Detailed instructions for convenient and quick access to gazprombank.ru with screenshots and video instructions. A visual guide to recovering a forgotten password to a personal bank account. We provide only the most up-to-date information.
Answers to popular questions
Is it possible to get a loan without coming to the office of Gazprombank?
You can submit an online application and send scanned documents on the Gazprombank website. The bank will make a decision on issuing a loan within 5 working days and inform you by phone or SMS.
To sign a contract and receive money, you need to come to the office.
Gazprombank loan calculator will help calculate a consumer cash loan in 2020: the amount of monthly loan payments and the payment terms for early repayment. You can use the official online calculator on the site for free!
Living on credit is convenient and practical. Consumer loans have firmly entered the life of Russians. Cash loans are especially popular among borrowers. Lending in 2017 - 2018 will please with a variety of offers for individuals.
To choose the most interesting and profitable of them, to plan early repayment of the loan, you need a financial instrument. This is exactly what the Gazprombank loan calculator is: convenient, visual, free.
Lending terms
- Age of the borrower: from 18 to 75 years (at the time of repayment);
- Minimum amount: 30,000 rubles;
- Maximum amount: 5 million rubles;
- Term: from 3 months to 5 years;
- Commission for issuing a loan: none;
- Security: guarantees of individuals - citizens of the Russian Federation (no more than 2).
Interest rate on a loan
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Gazprombank serves key sectors of the Russian economy and is indirectly controlled by the state. The Bank offers 3 consumer lending programs: for Gazprom share holders, for military personnel and the Consumer Credit program.
The loan repayment calculator allows you to calculate online the amount of payment, interest and overpayment for loans with early repayment, with partial early repayment.
The loan calculator will calculate:
- For payroll card holders
- For legal entities.
- For individuals.
- For pensioners.
- For IP.
The conditions for granting a loan depend on the purpose of the loan, and determine: the required package of documents, interest rates, the amount of allocated funds. Bank loans can be taken:
- Cash.
- For small business development.
- To buy a car.
- To buy a house, to build a house.
- For refinancing.
Gazprombank offers citizens over the age of 20 who have a stable income and employment to use one of the loans included in the bank's retail line:
- Cash loan for military personnel up to 500 thousand rubles - available to participants of the NIS (Accumulative Mortgage System) aged 25 years and over. It is issued for a period of up to 36 months and allows you to send credit funds for any consumer purposes.
- Credit with a guarantor up to 5 million rubles - for borrowers for whom at least one solvent individual can guarantee. The maximum loan term is 7 years. In case of non-compliance by the borrower with the credit obligations undertaken to service the debt, the guarantor is obliged to repay it.
- Loan secured by real estate up to 30 million rubles - provided for a long period of up to 15 years. With it, you can buy a new home without a down payment or pay for the purchase of an expensive car. The bank will ask you to present documents confirming the intended use of credit funds.
- Cash loan up to 3 million rubles - issued without collateral and guarantors for up to 7 years. Borrowed funds can be used to purchase household appliances, pay for goods and services, carry out repairs in an apartment or house, as well as for any urgent needs.
- Refinancing up to 3 million rubles - will help pay off the current debt through a new loan at a lower rate. This will reduce the monthly payment and the amount of overpayment to creditors.
General requirements for the borrower
In order to count on obtaining a loan from Gazprombank, a potential borrower must meet the standard requirements presented in the table:
For military personnel, the age must be between 25 and 45 years old on the loan repayment date.
List of documents for obtaining a loan
To apply for a loan, a potential borrower needs to collect certificates from the list in accordance with the general conditions and sign a document confirming consent to a credit history check.
For a loan secured by real estate, you need to present to the bank the title documents for the collateral object, an appraisal report, and documents confirming the intended use of credit funds.
How to get a loan from Gazprombank without references?
The Bank does not provide loans without certificates confirming the financial condition of the borrower.
How to reduce loan interest?
Loan from reduced rate available to participants of the bank's salary project. For other categories of borrowers, you can reduce the interest rate when applying for a loan:
- On the security of real estate - an apartment in an apartment building on the secondary market. The bank may also accept additional collateral in the form of a car and/or a guarantee from a legal entity/individual.
- With a guarantor - at least one solvent natural person.
Why can Gazprombank raise interest rates?
The bank will increase the nominal rate:
- At 5% in case of refusal of personal insurance, depending on the category of the borrower.
- 1% if the borrower is not a payroll client of the bank.
In addition, when choosing a loan secured by real estate, insurance of the collateral and title is mandatory, which increases the total cost of the loan and affects the final overpayment to the bank.
How to choose the most profitable loan at Gazprombank?
When choosing a loan at Gazprombank, carefully consider credit terms and options that affect the interest rate.
- Use to calculate the monthly payment schedule and determine the amount of the overpayment to the bank.
- Do not forget about personal insurance, if you refuse it, the loan rate can increase by 5%. In addition, when applying for a loan secured by real estate, you will have to insure the collateral without fail, which will also affect the final cost of the loan.
- Carefully study the tariffs for additional services offered by the bank when servicing a loan. Avoid redundant services, as their use can significantly increase the overall cost of the loan.
- Consider transferring wages to Gazprombank (for payroll clients, the rate is 1% lower).
Before signing a loan agreement, pay attention to the total cost of the loan (TCC), the lower its size, the more profitable the loan for you.
Possible calculation of a cash loan in the amount of 200 thousand rubles, a period of 84 months, a nominal rate of 10.5%, in case of cancellation of insurance + 5% - 15.5%:
How to apply for a loan?
There are two ways to apply for a loan at Gazprombank:
- Find the nearest branch of the bank and personally contact the credit manager.
- independently online on the official website of the bank.
The bank will consider the application within 1-5 business days. For borrowers whose place of registration is different from the location of the bank branch where the application was submitted, the consideration period may be up to 10 business days.
After the application is approved and the loan agreement is signed, the borrowed funds are transferred to the borrower's account previously opened with the bank. You can get a loan - in one lump sum or in installments in the form of a line of credit, depending on the offer you choose.
Where and how to repay a loan from Gazprombank?
Loan repayment is made monthly, according to the schedule. The bank gives the borrower the right to choose whether to pay the loan with annuity or differentiated payments. To do this, you can choose any method convenient for you:
The bank does not have a moratorium on early repayment of the loan. You can completely close the loan or make partial early repayment without penalty.