Orient Express Bank consumer loan calculator. East bank loan calculator
Loan calculator Orient Express Bank is an effective online service, on the basis of which it is possible to calculate all its main parameters for any loan product: the amount of the monthly payment, the amount of the loan overpayment, the effective interest rate and the payment schedule.
Calculate a consumer loan using the East Express Bank calculator 2018
Before deciding to attract borrowed money, it is important to assess your ability to cover the body of the loan and interest on it. You can calculate a loan using the Vostochny Express Bank calculator on the pages of the GidCredit.Ru portal. This service allows you to find out within a few minutes:
- How much is the total overpayment of the loan;
- What amount will have to be transferred monthly in favor of debt repayment;
- At what rate you can get the desired loan;
- In what order should the funds be returned to the bank.
Based on the results of the calculation, the user receives a payment schedule by dates, which can not only be opened in a new window, but even downloaded to his computer or sent by e-mail.
The consumer loan calculator from East Express Bank 2018 has a number of advantages that are important for borrowers:
- The calculation can be carried out on the basis of two parameters - the desired loan amount and the term for using the funds;
- The calculator can be used on the basis of any electronic gadget - smartphone, laptop, tablet;
- The result is generated within a few seconds;
- For each loan on the calculator page there is a separate tab with individual fields, which saves the user time.
Online calculator for bank loans Eastern Express allows not only to calculate the parameters of an individual loan product, but also to compare various offers to select the most optimal option. After a loan with the required parameters is found, it is worth starting to fill out an online application, which can be submitted to obtain a preliminary decision of the credit commission directly from the website portal.
PJSC Vostochny Express Bank is a Russian commercial financial institution founded in 1991 in Blagoveshchensk (Amur Region).
The main activity of Vostochny Bank is to attract deposit funds and issue loans to legal entities and individuals.
In 2010, Vostochny Bank acquired all shares of Gorodsky mortgage bank"And" Santander Consumer Bank ".
Bank Vostochny occupies one of the positions in the TOP-30 financial institutions as of assets - it has more than 254 billion rubles. Its client base numbers over 3 million people.
Deposit deposits from individuals is in the amount exceeding 126 billion rubles, issued consumer loans in the amount of 172 billion rubles. Taking into account the above parameters, Vostochny Bank is included in the rating of the largest Far Eastern credit institutions.
Vostochny Express Bank places its bonds on the largest Moscow stock exchange. Priority of the bank's activities - cash lending and registration credit cards... The bank has 20 branches, several regional offices and more than 700 branches in Russia.
It confidently takes its position in the TOP-5 banks in terms of the scale of its branch network. In 2015, some of the Moscow branches were closed, but a year later, the banking network of Orient Express Bank began to gradually recover.
Types of loans from Vostochny Bank
"Vostochny Express Bank" offers targeted and non-targeted loans to the population with minimum requirements and a package of documents.Among them:
"AutoCASH" - in the amount of 200 thousand rubles
The purpose of the loan is the purchase of a car or its repair. The interest rate on the loan is 29.5% per annum. The term allotted for repayment of the debt in Vostochny Bank is 6 years. Early repayment is possible;
There are no commissions. Payments are made on an annuity basis. Of the documents, only a passport of a citizen of the Russian Federation is required. The bank does not require collateral and guarantors.
"SuperCASH" - in the amount of 50 thousand rubles
The interest rate on the loan is 32-45% per annum. The term allotted for the repayment of the debt is 6 years. Repayment is possible through monthly payments of the same size;
Early repayment of a loan at Vostochny Bank is not punishable by fines. The application from the applicant is considered on the day of application. No collateral or guarantors required.
Important! With the help of a loan calculator on the site of "Orient Express Bank", you can calculate a loan. Namely: the amount of monthly payments, the total amount of the overpayment.
"Second" - in the amount of 30 to 500 thousand rubles
The interest rate on the loan is 31.5% per annum. The term allotted for the repayment of the debt is 6 years. There are no commissions. Vostochny Bank provides for debt repayment through monthly payments of the same size;
The bank does not penalize early repayment of the loan. Extradition decision credit funds by specialists of the "East Bank" is received during the day.
"Super Cash" - in the amount of 750 thousand to 1 million rubles
The purpose of lending is any. The interest rate on the loan is 32.5% per annum. The term allotted for the repayment of the debt is 6 years. Terms of registration and repayment of a loan in Vostochny Bank are similar to the previous programs;
Using a loan calculator from "Vostochny Express Bank", you can independently, based on the monthly income, choose the optimal loan amount and the amount of the monthly payment.
"Eurorepair" - in the amount of 200 thousand rubles.
The purpose for which you can apply for a loan in the "Vostochny Bank" is the repair of a house, apartment or other needs subsidiary plots... The interest rate on the loan is 26-27% per annum. The term allotted for the repayment of the debt is 6 years.
There are no commissions, as well as a penalty for early repayment of the loan. The debt should be repaid by annuity payments. The bank requires a passport of a citizen of the Russian Federation and a residence permit from an applicant for a loan. No deposit required.
How does the loan calculator from Orient Express Bank help?
Important! Before online calculators appeared on the websites of financial institutions, clients had the opportunity to find out all the features of a loan at the bank's office when directly concluding a loan agreement.
Now, anyone who wishes in just a couple of minutes can independently make settlements on a loan from Vostochny Bank. You can find calculators not only on the websites of banks, but also on other Internet sites.
A loan calculator from "Orient Express Bank" can easily calculate a consumer loan. Namely: it will calculate the size of the monthly payment, the total overpayment of the loan. Some calculators are equipped with the option of plotting a loan repayment schedule using a card or cash.
A loan calculator from "Vostochny Express Bank" allows each client to find out the ratio of payments, to determine how profitable the program is (based on the interest rate and the amount of overpayment).
To do this, you just need to enter certain data into the program:
Loan amount;
Debt repayment method;
The term allotted for debt repayment;
Interest rate.
Also, in the fields of the calculator, you should enter information about possible commissions or about availability, size down payment... If the bank allows the repayment of the debt with differentiated payments, then the calculator will issue a table where payments for each month will be scheduled.
Loan payment schedule
Bank Vostochny offers for its potential clients
For potential clients, this financial institution offers a list of several loans with different tariff plans. The most profitable and affordable loan is recognized to be issued in cash with the provision of one document. In accordance with the “Reduce the rate” tariff plan, the client can draw up an amount of 25,000 - 200,000 rubles up to three years at 20-53% per annum. If there is no delay, the rate can be reduced once every six months until the end of the contract. Overpayment, depending on the solvency of a particular borrower, can vary between 20% and 35.9% per annum.
To apply for this type of loan, the borrower needs to submit only one document - his passport.
Savings on interest and loans larger amount possibly at the "Big Money" tariff. 50,000 - 300,000 rubles at 29% per annum up to three years can be obtained with two documents: a passport and a 2NDFL certificate or a certified copy work book.
On the same conditions, but with an overpayment of 22-36% per annum, a cash loan is issued for bank clerks of partner companies on the “Partner” loan.
If you need a large loan amount, you can get a loan from 300,000 to 15 million rubles. secured by private or commercial real estate, at 16% -29% per annum.
Using the loan calculator offered by us in just a few seconds, you can get comprehensive information about the loan, early repayment options and see the accrued interest, which is quite convenient for any of the potential borrowers.
When calculating credit loan, issued in the Orient Express Bank, it is easy to determine the amount of the monthly repayment, total amount loan and upcoming overpayment.
By entering the data on the selected loan in the program windows and clicking the "Calculate" button, any of the bank's clients will be able to have comprehensive information regarding the loan product.
Mortgage loans and car loans are not offered by Orient Express Bank.
Making a monthly loan payment
Borrowers can repay the loan taken in any way. But, do not forget that the bank takes a commission even if you pay in cash at their cash desk.
So, you can make a payment:
- Directly through the bank's cash desk.
- Using the service of the PVN-terminal through a credit card.
- By postal order.
- Via the QIWI terminal.
- Transfer from the account of another banking organization.
Among the nuances of the East, regarding the payment credit debt, it is worth noting the “Reduce the rate” loan, in which repayment is possible without a commission, through the cash desks and the bank's POP. If the "Big Money" loan is being repaid, you should expect that you will be charged a mandatory commission of 110 rubles. When making a cashless account replenishment, money is not taken. In any case, a careful study of the loan agreement is required.
Fines applied by the bank
In the event that Vostochny borrowers violate their obligations, the bank applies various types of punishment. For example, if you have issued a loan in the amount of 50,000 rubles and are overdue, then you will be charged a fine equal to 590 rubles, but not exceeding 20% of the payment amount.
If the loan amount is not more than 100,000 rubles. a fine of 600 rubles is charged, in case of a repetition of the situation, the fine will be 1000 rubles.
Borrowers of 100,000 - 200,000 rubles need to be especially responsible, since their first delay in payment will be punished by 800 rubles, the second - 1,300 rubles, and the third and subsequent ones - 1,800 rubles. without additional penalties and interest.
Loan calculator Choose.Ru is a simple and convenient service that allows you to make a calculation in a matter of minutes. For this you need:
- enter the required amount and select the loan currency,
- choose a convenient maturity date,
- add the size of the preferred interest rate,
- choose a payment scheme - annuity or differentiated,
- click "Calculate costs".
The system will automatically make all calculations for the indicators you specified and display the payment schedule on the page. In it, you will see the amount of the monthly payment, also divided by the amount of the principal and the amount of interest accrued, as well as the balance of the debt for each period.
The graph can be saved in any format convenient for you - PDF or Excel, as well as immediately printed using a printer. In addition, Vyberu.Ru will select suitable offers for you, taking into account your calculation: click "Pick up a loan", and the page will display all offers from Moscow banks that correspond to your wishes.
An important point when using a loan calculator is that the resulting schedule may differ from that offered by the bank. The fact is that the terms of the loan are individual for each borrower. So, you may be offered a slightly higher rate if you do not meet any of the bank's requirements - for example, do not have a certificate of income. In order to find out the exact amount, you need to contact a bank specialist and give him all the necessary information for the calculation. Using the loan calculator, you can pre-calculate the approximate costs and decide on the choice of a consumer loan.
Orient Express Bank is one of the leaders in the sector of regional bank lending controlled by several investment funds... The main base is the funds of the population attracted in deposits. Over its 25-year history, "Orient Express" has earned a good reputation among its borrowers and depositors, and confidently occupies a leading position in the issuance of credit cards.
The bank is in the TOP 45 among all credit institutions in the country. This is what determines the wide range of products that offers credit organisation... You can get an online calculation for any loan using the Orient Express Bank loan calculator right on our website.
What does Vostochny offer to a potential borrower?
The organization presents several loans with different tariff plans to its potential clients. The most popular among borrowers is a cash loan according to the 1st document. According to the “Reduce the rate” tariff plan, the borrower can borrow from 25 to 200 thousand rubles. for up to 3 years. % rate is set at 20-53% per annum. If delays are avoided, the rate will decrease every 6 months. during the entire term of the contract. The exact overpayment depends on the borrower's solvency and varies from 20% to 35.9% per year.
To apply for a loan under this program, the borrower must submit only 1 document - a passport of a citizen of the Russian Federation.
You can save on interest and get an impressive amount on credit using the "Big Money" tariff plan. The loan is issued according to 2 documents: passport + 2NDFL certificate or a copy of the work book. You can get from 50 to 300 thousand rubles under this program. for up to 3 years. The interest rate is fixed at 29% per annum.
The loan product "Partner" is designed specifically for the employees of partner companies. The terms of provision and the list of documents are similar to the previous loan, but the overpayment varies from 22% to 36% per annum.
A loan to the Equal Payment card allows you to borrow up to 200 thousand rubles. one document at a time. The interest rate varies from 33% to 59% per annum and depends on credit history borrower.
If you need a large amount of funds, then you can use a loan of up to 15,000,000 rubles. Wherein minimum amount loan is 300 thousand. Loan terms vary from 1 year to 20 years, and liquid collateral can be provided as collateral (private and commercial property). The interest rate for this tariff varies from 16% to 29% per year.
The credit institution offers almost the same type of loans, but with different interest rates and additional terms. In order not to get confused and make the right decision, it is better to make an online calculation of each loan in credit calculator of Orient Express Bank.
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Mortgage Loan Calculator for Android
Calculation and accounting of many loans. Data export by email. The ability to assess the benefits of early payments. Graphical presentation of profitability using graphs. Calculation with a change in the interest rate.
Loan calculator for iPhone / iPad
Version available for iPhone and iPad. Convenient calculator that allows you to calculate the loan, as well as possible early repayment of the loan
Credits Calculator for Windows Phone 7-8
Calculator consumer credit Orient Express Bank can issue all loan data in a matter of seconds, taking into account possible changes during early repayment or different types accrual of interest. This is very convenient, because instead of a visit to the office and long waiting for a response from specialists, you will immediately receive a detailed report.
Calculation of the East Express Bank loan will allow you to find out the amount of the monthly installment, the total amount to be returned for the entire period, overpayment in rubles, etc. This will help you with the filing.
It is very easy to use the Orient Express Bank loan calculator: fill in the loan parameters in the appropriate fields and click "Calculate".
Credit | Max. sum | Min. Bid | Max. term | Payment type | Payment |
---|---|---|---|---|---|
New Year | 50,000 rubles | 15% | 36 months | Annuity | |
Equal payment | 200,000 rubles | 29% | 36 months | Annuity | |
Big money | 500,000 rubles | 18% | 36 months | Annuity | |
Car loan | 1,000,000 rubles | 19% | 60 months | Annuity | |
Equal payment | 200,000 rubles | 33 % | 36 months | Annuity | |
Pension | 100,000 rubles | 29% | 36 months | Annuity | |
Secured by real estate | RUB 15,000,000 | 10% | 240 months | Annuity | |
On the security of a car | 1,000,000 rubles | 19% | 60 months | Annuity |
But Orient Express does not offer mortgage loans or car loans. Although with such a variety of acting tariff plans hardly anyone will remember the mortgage. You can get a detailed calculation of any of the loans using credit calculator Orient Express Bank.
How to make the next loan payment?
Bank customers can repay the loan in any way. However, you need to remember about the bank's commissions for depositing cash even at your own cash desks (depending on the tariff plan).
- At the box office
- At PVN terminals using a bank card
- By postal order
- In QIWI terminals
- By bank transfer from an account opened with another credit institution
Vostochny has many nuances regarding loan repayment. For example, a “Reduce the rate” loan can be repaid without commission at the cash desks and the bank's cash register, but for the repayment of the “Big money” loan, a commission of 110 rubles is charged. regardless of the amount and even at the bank's cash desks. But non-cash account replenishment will be free. Therefore, choosing convenient way repayment, first carefully read your credit agreement, so as not to overpay again.
Penalties for delinquent borrowers
Vostochny very harshly punishes borrowers who breach their obligations. So, for example, for the fact of going into delay, the client must pay a one-time fine in the amount of 590 rubles, but not more than 20% of the payment amount. This condition applies only to borrowers with maximum amount loan in the amount of 50 thousand rubles.
If the loan amount does not exceed 100 thousand, then the one-time fine will be 600 rubles. for the first delay. If history repeats itself, then 1000 rubles will be charged for all subsequent delays. fine.
However, the most severe punishment is for borrowers who have taken out a loan in the amount of 100 to 200 thousand rubles. For them, the fine for the first delay in payment is 800 rubles, for the second - 1300 rubles, and for the third and all subsequent ones you will have to pay 1800 rubles. At the same time, there are no additional penalties or penalties.