Russian Standard Bank to take on credit. Consumer cash loan at Russian Standard Bank: conditions, rates and customer reviews
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 the monetary document, that you are a cleaning lady. 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. On the 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.
In this review, we will consider the terms of 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 date, the bank has become 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 Russian cities. 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 a good credit history can get money on more favorable terms.
4. Minimum documents
Money is issued without collateral and guarantors according to the passport and one of the 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
The Credit Line product 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 individually from 19.9% to 28%.
However, the rate of 19.9% and the maximum loan amount of 2 million rubles is set if the borrower is an employee of an organization that has entered into 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%
Not all customers can apply for a loan at a minimum interest rate. 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
The loan calculator on the official website of the bank will help you calculate the amount of the monthly payment depending on the interest rate and the amount. 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 of the 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: a passport, SNILS, a driver's license, a certificate from the Pension Fund on 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
Applying for a consumer loan in cash at 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 banking will always allow you to control the balance of the debt and repay payments on time. You can receive information from the bank in any convenient way: via SMS, e-mail, phone or through your 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.
Russian Standard is a Russian commercial institution whose main activity is the issuance of loans to the population. The banking products of this organization are in great demand among the inhabitants of our country due to their availability, ease of obtaining a loan and the ability to get quite a decent amount to solve urgent problems. The topic of today's article will be a Russian Standard cash loan, an online application for which can be made 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 have 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 payments 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 been popular with customers of a banking institution for many years. Misappropriation of received funds 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 to be received is up to 300,000 rubles;
- 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 (minimum 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 in the form of a cashless transfer;
- repayment of the loan is carried out by monthly annuity payments;
- it is possible to repay the loan ahead of schedule, while the client will not have to pay additional fees;
- in the event of a delay in payment, a fine of 20% of the amount owed is charged.
Russian Standard - favorable credit terms
Additional benefits of this loan program the following points can be attributed:
- Getting a loan is possible without confirmation from the official place of work.
- A loan agreement is drawn up upon presentation by the borrower of 2 documents.
- Lots of payment options.
Special program for regular customers
This program is provided individually for regular borrowers.. You can 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 in a timely manner in the amount stipulated 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 option described above, although some differences still exist:
- the interest rate under this program is 24% per annum;
- the maximum amount to be received is 500,000 rubles;
- The maximum loan repayment period is 3 years.
Consumer +
This program is a mini-loan for applying for a payday loan. Ideal for people who need a small amount of money to purchase some thing. The Bank provides the following conditions for this loan 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 favorable lending programs
After the application is approved, 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
- the interest rate is charged at the rate of 24% per annum;
- loan amount from 300 thousand to 1 million rubles;
- loan repayment period - 6-36 months.
Loan for the purchase of goods
Sometimes our desires do not coincide with the possibilities available to us at the moment. Proceeding from this, the banking institution entered the sphere of microcrediting of the population. And almost every person can get a profitable consumer loan in cash in order to spend the funds received on the purchase of the required goods or payment for any services.
Applying for a loan at a bank office
You can get the missing funds at any of the numerous branches of the bank operating in Russia, for example, branches of Russian Standard Bank 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 instantaneous execution and minimal overpayment. To obtain a loan under such a program, it is not at all necessary to go to a bank office - you just need to find a representative of a financial organization at a retail outlet that is a partner of the bank and apply for a loan on the spot. This will save a lot of time.
When applying for such a loan, a person must provide 2 documents: a passport is required and, for example, SNILS. The conditions of the "Credit for the purchase of goods" program are as follows:
- the amount to be received 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 minutes.
Russian Standard Bank - favorable loan programs for the population
How to issue
To obtain a Russian Standard consumer loan, a 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 a special form available there. The borrower will need to provide real information, otherwise he will be denied the issuance of funds.
After processing the questionnaire (this will take some time), an employee of a banking institution will call the borrower in order to clarify the necessary data. If the lender makes a positive decision, the borrower will be invited to the bank's office for personal paperwork and issuance of funds.
Applying for a loan online
Documents required for obtaining 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).
Requirements for the borrower
Before applying for a loan, you should carefully read the terms and conditions of the loan and the requirements of the lender to the borrower, as well as look at the reviews of current and former customers of this financial institution.
Fast cash loan processing at Russian Standard Bank
Main requirements for bank borrowers are:
- citizenship of the Russian Federation;
- permanent registration;
- age from 21 to 65 years (in some situations, the minimum age can be reduced to 18 years);
- the presence of a permanent place of work to provide a 2-personal income tax 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 must have a positive CI or none at all(the person has not previously issued 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-personal income tax certificate, but an additional document is required, as well as documents establishing the ownership of the property. But upon receipt of significant amounts of money, the borrower must provide all of the above documents.
A loan in this bank is suitable for many citizens. So, consumer credit is beneficial for pensioners. Upon presentation of an appropriate document confirming the status, the borrower can count on a reduction in the final cost of the loan at times.
Applying for and getting a loan
Having prepared the required documents, the borrower does not always know how to proceed. Often, bank employees do not tell 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 "Credits" tab;
- select the product that suits you;
- click the "Finish" button;
- fill out a questionnaire;
- consent to the processing of personal data and wait for a response.
The borrower can receive credit funds in cash or non-cash form (depending on the chosen program).
Payment
Pay monthly Loan repayments can be made in a variety of ways:
- automatic debit from the card "Bank in your pocket";
- at the cash desk of the bank or its ATMs;
- interbank transfers;
- using Qiwi, ICD, Eleksnet terminals;
- by sending an electronic transfer Leader;
- through a postal order;
- by making a transfer from a mobile phone account.
It should be emphasized that payments must be made a few days before the date specified in the agreement and in the amount specified in the loan agreement.
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In 2020, Russian Standard Bank offers Moscow residents two areas of consumer lending: for goods in a network of partner stores and in cash for any purpose. For a cash loan, the interest rate is calculated individually. The client can use additional services that make it possible to be served with comfort. For example, choose a convenient loan repayment date.
Loan programs in Moscow
Russian Standard Bank issues a cash loan for any purpose without guarantors and collateral. A financial institution studies information about customers, checks their credit history, and then forms individual offers for each borrower.
Standard conditions:
- amount - from 30 thousand to 500 thousand rubles (up to 2 million rubles for payroll clients);
- term - up to 60 months.
You can take out life insurance or job loss insurance, which will help reduce the risk of non-repayment.
Additional services
When applying for a loan, the client can use additional useful options - for example, choose a convenient payment date. The service is provided free of charge. Subsequent date changes are paid, the cost is included in the payment amount.
SMS service allows you to receive information about the status of the loan and transactions carried out on it to your mobile phone. The borrower will be notified not only about the receipt of funds, the system will also remind you of the payment date 10 days in advance.
How to get a loan from Russian Standard Bank?
An online loan application is submitted on the website, after which the borrower will receive a preliminary decision. You can also visit one of the bank's offices in Moscow.
An online application for a loan from Russian Standard Bank is available to citizens of the Russian Federation who are over 23 years old. Documents from the place of work are not required. A passport and one additional document of your choice is required.
How to repay?
The bank offers convenient ways to repay consumer loans: make a payment through a terminal or ATM, make a transfer through the Internet bank, replenish cash through the cash desk, send money by postal or bank transfer.
Withdrawal from the "Bank in your pocket" card is a convenient service that allows you to automatically transfer money to repay a loan without visiting the bank. The service can be activated at any point of sale by providing a passport.