Loan calculator Russian standard consumer credit. Car loan Russian standard
Consumer loans have thoroughly entered our lives. Of course, the most popular are cash loans. There are many offers on the market for individuals.
How to choose the best of them, choose the best monthly payment, calculate the amount of overpayment on the loan, plan early repayment loan. The Russian Standard loan calculator will help you with this.
Advantages of our calculator Russian Standard:
Russian Standard Bank JSC is a large highly specialized retail bank in the capital, controlled by Rustam Tariko, the creator of the vodka brand of the same name. financial institution is one of the market leaders credit cards. At the same time, the financial institution became a pioneer and one of the largest participants in the high-margin market. consumer lending. The basis of the bank's resource base is approximately equal in shares of deposits of individuals and attracted interbank loans, which significantly reduces the acute dependence in the past credit institution from public attraction of funds in foreign markets.
Get objective information regarding the choice of the most profitable and suitable loan program for you, will allow credit online bank calculator Russian standard for the calculation of all kinds of loans to individuals. The online loan calculator, which is posted on the official website of Russian Standard Bank, helps to calculate detailed payment schedules for all possible types of loans. At the same time, the calculator calculates loans taking into account individual requirements, as well as the capabilities of each specific client. Using a universal online loan calculator allows you to soberly evaluate your own financial opportunities, discover maximum size loan, optimal rate, loan term. The online loan calculator gives all data based on the total income of a single family. This tool is convenient and easy to use.
Without a loan - nowhere!
Thanks to the loan calculator of Russian Standard Bank, you have the opportunity, by varying the terms and amounts of loans, their interest rates and types of payments (differentiated or annuity), to choose exactly the loan that will be most suitable for you. Calculating a loan on the official website of Russian Standard Bank will help you find out the monthly amount of payments going to repay the debt, as well as understand which part of the payments goes to repay interest, and which part goes to paying the body of the loan. To obtain the necessary information, the client needs to enter the desired loan amount in a specially designated column, and enter the loan term, interest rate into other columns, and then click the "Calculate loan" button. The online loan calculator of Russian Standard Bank is a reliable and very useful tool designed to quickly compare the types of loans available at the bank, as well as to make payments on loan payments. To quickly decide on the most convenient loan for you, use the "Compare loans" function. After that, you will see all the differences in the credit programs of this banking institution. Everything credit programs Russian standard are distinguished by high interest rates and easy accessibility for all citizens of our country. Now the bank is mainly focused on consumer loans to the population (retail consumer lending to citizens).Credit calculator Russian Standard Bank will help you calculate consumer credit in cash in 2018 - 2019: the amount of monthly payments on the loan and the terms of payment in case of early repayment. use the official online calculator on the website 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 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 financial instrument. This is exactly what the Russian Standard Bank loan calculator is like: 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
We are gradually filling this section. It's worth the wait :)
Russian Standard Bank is a leading financial institution in the consumer lending market. 5,000 ATMs and terminals, cash settlement points in federal networks serve over 27 million bank cardholders. You can also spend a consumer loan in the online stores of the bank's partners.
Increasingly, banks are trying to provide their customers with additional features that make it easier to use banking system. A common loan service is the service - Russian Standard loan calculator. It's comfortable online program, allows you to choose the most suitable conditions for yourself.
In order to make a calculation, it is enough to specify a few data:
- size sum of money which you would like to take,
- it is also necessary to select the currency in which the loan will be issued,
- then it is worth specifying the time frame in which you can repay the borrowed amount,
- specify the interest rate
- and also when the payment will start (optional),
- You may need to select a payment type.
After you have entered the data, you need to click on "Calculate", after which you will be provided with the results in the form of a table or in the form of a graph. You will see how much you need to return to the bank, how much you will pay monthly. You will also see how much money you overpay and what percentage of the borrowed amount.
Terms of lending at Russian Standard Bank
Individuals can apply for consumer loans in banks. You can use the money borrowed from the bank for any personal needs. Often these types of loans are issued in national currency Russia, i.e. in ruble. The minimum amount that you can issue is 15 thousand rubles, in some conditions from 45 thousand rubles. in some conditions.
Whereas, maximum amount is 1.5 mil. r.. This money is issued without collateral for the loan. Also, the bank does not provide a commission fee for issuing a loan. It is also worth noting that the time for which it is necessary to repay the loan can be from 3 months. and up to 5 years.
Requirements for a loan borrower in Russian Standard Bank
The borrower is presented minimum requirements. The borrower must provide the bank with the following documentation:
- an application containing personal data,
- identity card, i.e. a copy and original of the passport of a citizen of the Russian Federation, which must contain a mark from the place of registration,
- the financial condition of the borrower must be documented,
- employment must also be documented,
- TIN of the client.
As you can see, a minimum set of documents is required. Perhaps, when considering the documents received, bank employees will be asked to provide a few more certificates.
Interest rates on loans at Russian Standard Bank
Depending on which category banking clients you apply, as well as for how long you take the amount, depends on the size of the favorable interest rate. Consider overall dimensions interest rate for individuals:
- If the loan term is 3 months. - 2 years., Then pensioners and people receiving wages you can borrow money at a rate of 14.9-20.9%, and for other individuals 16.9-21.9%.
- If the repayment period is 25 months - 5 years, then working citizens with wages and pensioners can take a loan at an interest rate of 15.9 -20.9%, and other consumers 17.9 - 22.9%.
There are additional conditions for those clients who already have a salary or pension card. All details should be clarified with bank consultants.
Early repayment of a loan at Russian Standard Bank
Then, when you need to make an early repayment of the loan, you should contact Russian Standard employees and clarify how this can be done. Often they offer a full one-time repayment, or partial payment of the amount.
The main specialization of the bank is the issuance of credit cards to private clients. The bank also lends to customers in stores and offers them to receive cash for any purpose. The bank has been operating since 1993, but it has been known under its current name since 1998, when it was acquired by businessman Rustam Tariko, the creator of the famous Russian Standard vodka brand. The network of offices is represented mainly in Moscow and the Moscow Region, in total the bank has 150 branches.
Loan for the purchase of a car from Russian Standard Bank
Currently, the bank has stopped issuing targeted loans that are intended for the purchase of a car. But in return, he offers to issue and take a cash loan.
- The loan amount is up to 2,000,000 rubles. The minimum amount is 30,000 rubles.
- The rate is 19.9% - 29.9%. The rate can be reduced to 15% if a loan is issued for a period of 1 year for those customers who have already managed to form a positive credit history. The maximum you can take is half a million rubles.
- Loan terms range from 1 to 5 years in increments of 1 year.
Credit cards
The bank offers a wide range of credit cards, which can also be used to pay for a car.
Platinum Card
There is no charge for cash withdrawals. Credit limit- up to 300,000 rubles. Rate from 21.9%. Up to 5% of purchases made with the card will be returned back as bonuses that can be spent on new purchases.
Black Map
Credit limit up to 600,000 rubles. Cashback up to 15% of the value of completed purchases. Rate from 19.9%. Borrowers under the age of 65 can get a card.
Requirements that the bank imposes on customers
- Possession of Russian citizenship.
- Age from 23 to 70 years.
- Permanent registration in any subject of the Russian Federation.
Required documents
- Passport of the Russian Federation.
- Certificate of income taken from the place of work and issued according to 2-personal income tax.
- At the choice of the borrower: SNILS, a certificate of state registration of real estate in his name, an extract from the Unified State Register for real estate owned by the borrower.
- Valid passport.
- Valid driver's license.
- Pension certificate or certificate from pension fund on the calculation of pensions in the name of the borrower.
If the loan exceeds 500,000 rubles, then you will need to additionally provide:
- OMS policy.
- Military ID (if available).
- Bank card "Russian Standard" (if any).
- Vehicle registration certificate, vehicle passport.
- For military personnel: certificate, certificate from the place of service. The certificate must indicate: position held, length of service, salary or allowance.
- Name pass from the place of work.
- Individual entrepreneurs additionally provide: a declaration in the form of 3-NDFL, or a tax return under the simplified taxation system, or an imputed income tax declaration (all declarations are submitted for the last reporting period stamped by the tax office).