Demand creates supply - this is the truth proved by time and modern realities. Today, almost everyone is a client of many lending organizations. Uralsib Bank is one of the reliable and profitable banks for cooperation not only in the field of lending. He successfully works as part of salary projects with many public and private organizations. Caring for its customers, this financial institution offers special, most favorable credit conditions.
And for those who are already a client of Uralsib Bank, a “For theirs” loan will be much more profitable and easy to design.
Loan offers
According to statistics, the most popular form of official loan today is a cash loan for any consumer needs. Demand is in such programs as mortgage, auto and commodity credit. Credit plastic cards are gaining popularity (many require a spare wallet).
Uralsib Bank offers potential customers and those who already cooperate with the bank a special line of loan products and services.
It is fair to say that any Uralsib bank loans are distinguished by favorable interest rates and an individual approach to each client.
The runaway of the interest rate on these products starts with the minimum values - from 10.75% per annum (for a mortgage loan). The rate depends on the lending program and is selected for each client individually after submitting an application and considering it by the bank.
About the most convenient and profitable consumer loan of Uralsib Bank we will tell further.
Loan "For their own"
Anyone can borrow cash for various purposes at Uralsib Bank, but subject to certain conditions. So, the bank gives this opportunity to its clients as part of a salary project or to those who have already used credit services here and received a personal offer to take advantage of the preferential program.
The Uralsib Home loan is distinguished by the most favorable interest rate among such offers. It will make up 13.9% per annum. Moreover, customers receiving their plastic salary from Uralsib Bank will not need to provide a full package of documents when applying for a loan, and the loan amount can be increased to 1,500,000 rubles.
Thus, for regular and / or salary customers of Uralsib Bank, the “For their own” loan is beneficial to the following:
- low interest rate;
- simple design and a minimum set of documents;
- the opportunity to receive the amount of up to one and a half million rubles without collateral and surety.
Cash loans
For those who are not yet a client of Uralsib, the bank has proposed lending programs of choice that will be beneficial for one or another purpose. He developed lending programs on different conditions and for various social groups.
Thus, employees of budget organizations can apply for a consumer loan at Uralsib on fairly favorable terms. The interest rate in this case will be from 15% per annum, and the loan does not provide collateral and guarantors. Consideration takes no more than a day, the amount to be issued may reach 1 million rubles.
In Uralsib Bank, a cash loan can be obtained without collateral at a rate of 15% per annum. If all the requirements of the bank for the borrower are met, the application can be submitted through a special convenient online service, where you can determine the necessary loan amount and calculate the monthly payment without leaving your home in a comfortable environment.
Payments on cash loans, according to the loan agreement of Uralsib, are mandatory monthly and annuity, that is, equal, not changing during the entire term of payments.
It is important to remember that the loan rate is not fixed and may change depending on some conditions. It is selected for each client individually.
General information about cash loans, depending on the lending program, looks like this:
| Loan program | Amount to issue | Full loan term | Insurance | Loan rate (% per annum) |
| Loan “For Your Own” at Uralsib Bank | Up to 1,500,000 rubles | 13 to 84 months | If desired | 13.9 to 18.2% |
| Unsecured cash loan | Up to 1,000,000 rubles | 13 to 84 months | If desired | 15-25% |
Cash loan conditions
Uralsib grants cash loans under various programs only to employed citizens of the Russian Federation who have reached 23 years of age. There is a certain package of documents that must be submitted to the bank after approval of the application when drawing up a loan agreement and writing a loan application:
- passport of the Russian Federation;
- a copy of all pages of the work book with a seal certified by the employer;
- a document confirming the level of income - this can be a personal income tax certificate 2, a special certificate in the form of a bank or an extract from a salary account;
- copies of certificates of ownership of a car or any property (at the request of the bank).
Conclusion
Uralsib Bank has long been engaged in lending to the population. Many programs have been developed to satisfy citizens' requests for credit. The named financial institution is a reliable partner. For conscientious and responsible customers, he offers more favorable conditions and special interesting offers for further cooperation.