The Russian Standard Bank invites individuals aged 23 years to make a loan within one of the proposals:
- Cash loanup to 2 million rubles will allow major repairs to complete construction work, go on a journey, pay for education or use cash for urgent needs. Provided for a period of up to 5 years, without collateral and guarantee.
- Cash loan for reliable customers Up to 500 thousand rubles is provided for 12 months on the security of real estate, available for current customers of the bank, the owners of the Platinum credit card. It is drawn up on the passport + the second document certifying the personality of the borrower to choose from, according to general conditions.
- Consumer loan for the purchase of goodsup to 300 thousand rubles. It is issued in Russian Standard's partner stores. Repayment period up to 36 months, the possibility of making a passport without certificates of income and employment.
General requirements for the borrower
General requirements that Russian Standard Bank places for a potential borrower are presented in Table:
As part of a loan proposal for reliable customers on the security of real estate, a borrower's monthly income requirement has been established - at least 150 thousand rubles. For other loans, this requirement is not applicable.
List of documents for obtaining a loan
List of documents that need to be collected to obtain a loan in the bank Russian standard depends on the loan amount and the selected offer.
| General Conditions - Cash Credit |
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With loan amount up to 500,000 rubles:
With the amount of loan over 500,000 rubles:
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In the event of a consumer loan for the purchase of goods in the Bank's partner stores, it is necessary to present only the passport of the Russian Federation. According to the results of consideration of the application, the Bank may request one of the additional documents in accordance with general conditions.
How to get a loan in a Russian standard bank without reference?
All bank loans can be issued confirming income by replacing them with any second document to choose from, according to general conditions. Thus, to obtain a loan, you must present a passport of the Russian Federation + second document from the general list depending on the loan amount
How to reduce interest on the loan?
The interest rate is established individually for each loan agreement. Reduce interest on credit Bank Russian Standard is ready for borrowers with a positive credit history.
What can the Russian standard bank lift the interest rate?
There are no explicit premises in the bank to the interest rate on the loan. Personal insurance of the borrower is carried out voluntarily. However, when purchasing polis, the total cost of the loan can grow significantly.
It is also worth paying attention to additional services that are provided for a fee, for example, SMS-informing or shifting the payment date. Do not forget that at the expense of such payments, the total cost of the loan will be higher.
How to choose the most profitable loan in the Russian standard bank?
The most advantageous offer in the Russian standard bank is available for borrowers with a positive credit history in the amount of up to 500 thousand rubles. For this category of clients, the Bank will reduce the bid and suggests issuing a loan on two documents. For the rest of the borrowers to get a loan on favorable terms:
- It is necessary to clearly determine the purpose of the loan, the amount and maturity. The rate and list of documents that must be collected to obtain a loan depends on these parameters.
- With the help, calculate the monthly payment and find out the amount of overpayment of the jar. Make two calculation options, with the inclusion of the amount of insurance and without it.
- Personal insurance does not affect the level of the loan rate. But the failure to buy the policy can reduce the chances of approving the application.
- Try not to connect additional services when servicing a loan, since the commission for their use you pay at the expense of your own funds.
- Soberly appreciate your financial capabilities and choose a comfortable loan repayment schedule. In the future, try to make payments on time, otherwise the bank counterses you a penalty. Take advantage of one of the ways to repay without commission
Special attention is paid to the full cost of the loan (PSK). The size of the PSK is specified in the loan agreement in percentage and monetary terms. This indicator reflects the real rate that you pay for the bank. Offer with the smallest PSK - the most profitable for you!
Possible calculation of the loan in cash in the amount of 200,000 thousand rubles, the period is 3 years, the nominal rate is 19.9%:
How to apply for credit?
You can apply for a loan to receive a loan in the bank of the Russian standard by 3 ways:
- In the department of the bank, contacting the credit manager.
- Online on the official website of the bank.
- In the outlet or online store when choosing a product.
The bank will consider the application during the day. The decision in the framework of the consumer loan for the purchase of goods and payment of services will be known after 15 minutes. In case of approval, funds are transferred to the borrower's account open in the bank Russian standard
Where and how to repay Credit Bank Russian Standard?
The loan repayment is made monthly, according to the approved payment schedule. Early repayment is carried out without restrictions and fines on any date. You can use any convenient way to deploy funds to make money on the loan payment that the Russian Standard Bank offers.
Maxim Demchenko
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The bank offers borrowers loans for consumer needs without collateral. Individuals can get money for any purpose or pay for purchases in partner stores. Russian standard loans are conveniently managed through an Internet bank or mobile application. For the payments made in time, the Bank charges bonus points.
The Russian Standard Bank offers customers two types of loans: on purchases in stores and cash in the bank offices. Applications decorated in the store are considered for 15 minutes. Standard loan is issued during the day.
All Russian standards loans are convenient to repay. Payment date you can choose yourself, and to control the repayment and payment of payments there are Internet services.
Cash loan
On this product, the lender issues money on shopping in stores and online stores.
Lending terms
The credit institution issues loans in rubles for up to 5 years. If you properly prepare documents, the Russian standard decides on the issuance of a loan within one day. The deposit and guarantee upon receipt of the loan is not required.
General terms
When making a purchase in the store, the maximum loan amount is 300,000 rubles. Up to 2 million rubles can be obtained at the Bank's office. Cash. Available credit limit is calculated depending on the solvency of the borrower.
The interest rate on the loan is calculated individually. The minimum bet on the "Cash Credit" is 15% per annum. A targeted purchase loan in the store can be issued at a rate of 8.14%.
Features of the provision of a loan
For clients with a positive credit history, favorable conditions are provided. Loans up to 500,000 rubles. The credit institution issues at a preferential rate. If the borrower provides a document confirming retirement, it can count on a reduced percentage.
Russian Standard pays bonus remuneration to reliable borrowers. 500 bonuses are charged for making a loan, and for each of the 5 first payments you can get 100 bonuses. Accumulated bonuses can be spent in the Bank's partners, including household appliances, travel agencies, airlines.
Requirements for the borrower
The Russian Standard Bank limits the age of borrowers and requires that they meet certain criteria. For registration of the loan, official employment and registration in Russia are required.
Primary requirements:
- age from 23 to 70 years;
- russian citizenship;
- permanent registration in the territory of the Russian Federation;
- official place of work;
- category of the borrower - a pensioner working;
- the presence of a landline phone.
Required documents
Russian Standard Bank requires a borrower to confirm its status. Be sure to make the personality. Usually there is enough passport for this, but the bank employee may ask the second document.
Mandatory:
- Passport of a citizen of the Russian Federation.
- Second document: Passport, SNILS, driver's license, real estate documents.
Additional:
- Certificate of income in the form of the bank.
- Certificate of income 2-NDFL.
- Tax return.
To obtain more favorable loan conditions, it is recommended to confirm income and employment. If you need to make a loan in the amount of more than 500,000 rubles, then the documents from the additional list must be provided. Other documents Russian standard can request in exceptional cases if additional income must be confirmed.
Methods of registration
Loan in the Russian standard can be issued in several ways. "Cash loan" is convenient to place on the site or in the bank office. Target loans on purchases can be issued in partner stores.
Through the Internet
To apply over the Internet, you need to go to the product page on the official website of the bank and click on the "Credit" button. The form you have discovered must be filled out and send to the bank.
Russian Standard will consider the application within 24 hours. An employee of the bank will call on the phone and report deciding. After prior credit approval, it is necessary to confirm the information of the questionnaire package of documents.
In the office
A loan application can be submitted in the nearest branch of the Russian standard. This method is convenient because it is possible to get detailed advice and immediately submit documents to the credit application. An employee of the bank will help correctly fill out the questionnaire and inform the preliminary decision.
To find a convenient office of the credit institution, you need to open the "Offices and ATM" tab. If you specify your city, the service will make a list of suitable options and their location on the map.
In the shop
The target loan of the Russian standard can be issued in a partner store. The list of such organizations is located on the official website of the bank. After submitting an application, a credit organization will decide for 15 minutes. After approving the loan, it is enough to sign a loan agreement and you can immediately get a purchase.
In the online store
Loan can be obtained when making a purchase in a partner online store. After filing the application, the Russian standard employee will call to confirm the application. He will announce the decision of the credit institution. After approving the application for a loan, the purchase will bring the delivery service of the online store.
Methods for getting
The Russian Standard Bank issues a loan by transferring the amount:
- at the expense of the borrower, open in the bank;
- at the expense of the organization.
Cash borrower can remove from account after enrollment. Credit for paying purchases The Bank lists to the bill account of the store.
Methods of repayment
To repay a loan in the bank Russian standard can be in cash and non-cash methods. Payment options are distinguished by terms and commission.
Without commission
C Commission
The borrower can use any convenient way. However, when choosing, it is necessary to take into account the term of enrollment to prevent delay.
Insurance
This service protects the borrower and its loved ones from the need to pay a loan in a difficult life situation. The insurance program may include protection against loss of work or disability, death. When the insured event occurs, the loan will be repaid by the insurance company. The client can choose the insurance company himself.
The bank offers individuals two types of consumer loans. In Russian standard, you can get a cash loan or shopping loan in stores. Money for payment of goods can be obtained at a low interest rate. The credit institution issues its customers loans on preferential terms.
The Russian Standard Bank Credit Calculator will help calculate the consumer loan in cash in 2020: the amount of monthly payments on the loan and payment time for early repayment. You can use the official online calculator on the site for free!
Live on credit is convenient and practical. Consumer loans firmly entered the life of Russians. Especially popular among borrowers cash loans. Lending in 2018 will delight the proposal for individuals.
To choose the most interesting and advantageous of them, plan early repayment of the loan, a financial instrument is needed. This is exactly how the Credit Calculator Russian Standard Bank: Comfortable, visual, free.
Lending terms
- The age of the borrower: from 18 to 75 years (at the time of returning money);
- Minimum amount: 30 000 rubles;
- Maximum amount: 5 million rubles;
- Term: from 3 months to 5 years;
- Commission for issuing a loan: absent;
- Provision: guarantee of individuals - citizens of the Russian Federation (no more than 2).
Interest rate on the loan
We gradually fill this section. It is worth a little bit :)
Russian Standard Bank Leading Financial Institute in the consumer lending market. 5000 ATMs and terminals, settlement and cash points in federal networks are serviced over 27 million credit cardholders of the bank. You can spend consumer credit in online stores of bank partners.
Eldorado store - the kingdom of thieves of a blatant lie, a deception, fraud made a Russian Standard Bank employee in the loan execution department at the Eldorado store in Severodvinsk in relation to me on December 14, 2017. The bank's employee deceived me from the very beginning, assuring that there are no representatives of this bank in the store, although, as I found out today on March 21, 2018, she was a representative of the Russian Standard Bank. Badzhik did not have. Same name and position she refused. The name is Catherine. So who do you work - I asked her - a cleaner? And I gave her my contract without her signature. Yes, she answered me, smiling, - a cleaner. I, seeing her brazen smile, said: then write in the contract - in a monetary document that you are a cleaner. This unknown person wrote: I am a cleaner (?!). She did not call his surname. My question for the Russian Standard Management Bank: Why I lied and branded me in a loan department at the Eldorado store on December 14, 2017 and did not explain what conditions - material losses are waiting for me when issuing a loan at the cost of goods worth 13 thousand. With the size of my pension in 12 thousand, I know this is vital. No information was given by this unknown person in the loan department. If I received information about insurance of 2 thousand 500 rubles, I would never make a loan for goods. I just won't buy them in this store. On the phone of the hotline on March 21, 2018, I was also deceived. Vladimir answered from Saratov - so he called. He urged me to urgently make money and deceived that in Arkhangelsk there is no Russian Standard Bank. 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 a circular lodgment is thrive - a lie and deception - Deputy Director of Popov Alexander in response to what is happening March 21, 2018, answered I do so. I do not know who is a person in the loan department. Perhaps she (it) went on his affairs and therefore does not have a bageik. I have an impression from the interaction with the employees of the Eldorado store, the credit department - the Russian Standard Bank and the Russian Standard Hotline is as if I was among the piles of thieves. I demand an unknown person - how she herself called himself in writing - Catherine's cleaner, who made me deceiving documents, answered his lies and deception on December 14, 2017, as well as on March 21, 2018, and reimbursed the money lost by me in the amount of 2 thousand 500 rubles for insurance. If this unknown person (as it turned out, the employee of the Russian Standard Bank), I repeat, competently explained the terms of the loan, I would not buy any things in this store. In addition, two customized letters - I wrote to Moscow to Russian standard. And there I was deceived. Everywhere lie and deception. I want to know from the bank manager, what is this theater of the absurd, where the thieves, "ticket" in which, as I counted, is worth 17 thousand in less than a month and a half of the loan? I could not even imagine such a joind group lie and deceive. And if I had imagined, then this store would go for a lot, many kilometers. Now I know where the chas of thieves can go. Please answer me. And take with copies of papers on the appointed day and hour.
Go to the Russian Standard Bank website. Calculate the loan in the online calculator. To send a request, click on the "Build on the site" button:
Fill out the application - enter the name and age, select Paul. Indicate the amount and loan period. Choose the city in which you want to get a loan. Click on the "Submit" button:
An employee of the Russian standard will call and help prepare documents for a loan application.
Requirements for the borrower
- Citizenship of the Russian Federation
- From 25 to 65 years
- Permanent registration in Russia
Required documents
- Passport of the Russian Federation
- Additional document - Polis of OMS, TIN, driver's license, SNILS, military ID, Sailor certificate or military personnel, Map of Russian standard, passport, STS, PTS, certificate of registration of property ownership, certificate of service, 2-NDFL, extract Account or contribution
About Bank.
Russian Standard is one of the largest private banks in the country. Founded in 1993 called "Agroopttorg". In 1998, I was purchased by Rustam Tariko, the creator of the "Russian Standard" vodka brand. The bank is one of the first to begin to navigate consumer lending and actively develop this product. Later, he also began to develop car loans and credit cards. In 2018, a Russian standard emerged large debt to investors, which led to a sharp decrease in the reliability of the bank.
Rustam Tariko continues to own all the shares of the Russian standard and does not plan to let in his capital of other persons and the organization. The head office of the bank is located in Moscow. The network of offices has more than 150 offices in many regions of the country. The number of the General License is No., issued by the Central Bank on November 19, 2014.
One of the main activities of the bank is consumer lending, loans in stores and issuing 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, remittances and services for wealthy customers. The Bank serves and business entrepreneurs available, loans, deposits, acquiring, salary maps and other services.
Documentation
- Consumer loans with lending limit
- List of information for borrowers for consumer loans
You will learn how to enter your personal account on the official website of the Russian standard online. Detailed instructions on a convenient and rapid access to www.rsb.ru with screenshots and video instructions. Visual guide to restore the forgotten password to the bank's personal account. We have only the most relevant information.
Answers to popular questions
How to find out the amount of the monthly payment?
To find out the amount and date of repayment of the loan, use one of the Russian Standard services - the Internet Bank, a mobile application, a telephone center 8 800 200 31 13. Refine information about the loan can be in the Bank's office.
Do I need to insure a Russian standard loan?
Insurance service is optional. Russian Standard issues loans and uninsured borrowers. Decorated insurance will protect against the need to pay a loan in an unfavorable situation. The Bank offers the "Insurance of Life and Health" and "Insurance from the Cheank Loss of Work".
