The need for cash may arise suddenly. Banks come to the rescue. The financial market is distinguished by an abundance of proposals. On a general background, it is beneficial to the VTB 24 Bank 24. The service has a high amount of credit limit and relatively.
Terms of registration
If a person wants a VTB 24 bank in a bank, he can take advantage of 1 out of 3 current tariff plans. Financial organization specialists have tried to develop services that satisfy customer requirements. You can take advantage of the proposal even with the presence of a mortgage. The tariff plans are somewhat different from each other, but choose the most suitable of them will not be difficult.
Mortgage bonus
The tariff "Mortgage Bonus" was created specifically for citizens who have an unlocked loan. You can use money for any purpose. Capital is provided under 13.5% per annum. The size of the loan is from 400 thousand to 5 million rubles. The maximum loan amount is available only to salary customers.
If a citizen receives a monthly income to a map of another organization, more than 3 million rubles. It will not be possible to take. Calculate is necessary on time from 6 to 60 months. The decision on the application is taken from 1 to 3 business days.
Tariff plan "Large"
If a person needs a voluminous consumer loan at VTB 24 Bank 24, you can use the "large" tariff plan. Financial organization allows you to get from 400 thousand to 5 million rubles. Persons who are not salary customers can count on a maximum of 3 million rubles. The interest rate on the consumer loan in the VTB 24 Bank begins from 15%. Calculation is required for 5 years.
Tariff plan "Comfortable"
If a large amount is not required, you can use the tariff plan "Comfortable". The service allows you to get from 100,000 to 399999 rubles. Loan is issued for a period of 6 to 60 months. The consumer loan rate in the VTB 24 bank varies from 16 to 22%. The offer is different from the rest of the minimum packet of documents. For registration you will need a passport, certificate of income and reduss.
Requirements for the borrower
Citizens of the Russian Federation who are registered in the Bank's Presence Region can get at VTB 24 Bank. To get more than 500,000 rubles, it is necessary to have official employment. The income of the borrower should be sufficient to produce a unimpeded loan calculation.
VTB 24 tries to interact with trustworthy borrowers. The presence of negative credit history can be an obstacle to the receipt of money.
Required documents
If a citizen meets the requirements of the company, you can begin to prepare documents. For the registration of consumer loan in the VTB 24 bank will need:
- passport;
- documents allowing to make an idea of \u200b\u200bthe amount of income;
- Reduss;
- a copy of the employment record or contract certified in the personnel department (for loans, the volume of which exceeds 500,000 rubles).
Salary customers for registration of the loan requires only a passport and SNILS.
Credit calculator
By making a decision at VTB 24 Bank, it is worth calculating the approximate cost of the service. For information, you do not need to visit the company's branch. You can calculate the size of the consumer loan in the VTB 24 bank on the calculator. Potential customer is enough:
- Go to the website of the financial organization.
- Go to the page with consumer loans.
- Specify whether a citizen receives wages on the organization's card and whether a mortgage has a mortgage.
- Reflect the required amount of loan.
- Specify the calculation period.
The system allows you to calculate the approximate amount of consumer loan in the VTB 24 bank on the credit calculator. Real indicators may differ. The final contribution is influenced by the interest rate. It is determined individually as part of the selected tariff plan.
Consumer loan in VTB Bank 24: Registration Procedure
How to get a loan in VTB Bank? Initially, you need to apply in one of three ways:
- personally visit the Bank's office and fill out a questionnaire;
- report data on phone;
- send request online.
Standard loan design scheme:
- A citizen examines the available proposals and requirements of the bank. After that, chooses the most appropriate option.
- Potential borrower prepares a package of documents.
- A person submits an application for issuing a loan.
- The bank analyzes the questionnaire. The decision is made within 1-3 days.
- The borrower informs the final decision.
If the bank agrees to the provision of a loan, you need to visit the office of the company. A loan agreement will be signed here and issuing money. With me, you need to have documents for a loan. To secure yourself, it is worth familiar with the provisions of the agreement. The features of the calculation on the loan depend on its items.
Acquisition of insurance
A citizen can protect himself from unforeseen circumstances by placing insurance. With an occurrence of unforeseen circumstances, repay consumer credit at VTB 24 Bank, there will be an insurance company. You can use one of two tariff plans. The risk list includes:
- the death of the borrower;
- temporary or complete disability;
- loss of work.
The list of risks differs depending on the selected tariff. Acquisition of insurance is carried out on the day of registration of a consumer loan. Additional documents are not required. To connect to the insurance program, you need to contact the consultant manager. The term of insurance is equal to the period of the loan agreement.
Receiving the money
Features of cash issuance depend on the nuances of design. In the case of a remote application of the application, you must contact the Bank's office. When you need to have a complete package of documents. Visit the office is required after receiving a positive solution.
If the application is carried out during a personal visit, funds will be automatically credited to the Client's account. The action takes place on the third working day. Salary customers will be able to get money on the day of circulation.
Additional services
After creating a consumer loan in VTB 24 Bank, a citizen will be able to use the service "Preferential payment". It allows you to reduce the size of the first three payments. The borrower can only pay interest on the loan. The service is provided free of charge when making a loan.
If there are difficulties in repaying debt, the borrower can use credit holidays. The service allows you to skip the planned payment every 6 months. You can use credit holidays six months after receiving a loan and no later than 3 months before the completion of the calculation period. However, the closing time of obligations will increase.
The service needs to be activated separately. To do this, contact the company's call center or to the office of the organization. Service cost - 2000 rubles. You can visit the bank at any time, except for the date of the monthly payment. If a citizen cannot come in advance, it will be possible to use credit holidays only to shift the following loan contribution. Current payment will have to make according to the repayment schedule.
Methods of repayment of loan
You can calculate:
- in VTB 24 ATMs;
- through the service VTB 24 online;
- in the branches of the financial organization;
- in the network of transfers Golden crown;
- in Russian post;
- by listing money from another bank.
The rate of transfer of funds and the transfer fee depends on the selected method. On average, Capital comes on time from 1 to 10 days.
Conclusion
VTB 24 can be used for any purpose. The service has a high credit limit and a relatively low interest rate. For salary customers, bonuses are provided. The financial institution provides a number of additional services that facilitate the closure of liabilities.
