Consumer loans are the main source of income for each bank. Today, almost every Russian has one or two open loans. Today we consider the banks of Perm. Consumer loans here are issued by more than thirty institutions, each of which offers its own conditions. Subdivisions of the capital's financial institutions and regional banks issue money with or without a statement of income. Do not forget that the more loyal the conditions, the higher the interest rate.
The most favorable conditions
Each person who considers their money will first analyze all the offers available on the market in order to choose the best. Perm banks give a consumer loan every day, 360 days a year. Therefore, you will never be late.
Where to get the most profitable? Comparing the conditions, experts recommend paying attention to Petrocommerce Bank. Founded in 1992, it specializes in short-term loans for purchases. Dates up to 6 months, and amounts up to 500,000 rubles. You can apply for a loan at 9% per annum. Cash withdrawal is subject to a 3% commission.
With and without a commission
This information will be important for an inquisitive borrower who wants to find really better conditions, so he carefully studies Perm banks. Consumer credit is not a momentary whim, but a balanced decision. Be sure to consider the option of borrowing money without interest from relatives, to accumulate the entire amount or at least part of it. If there are no such options, then proceed to the search for the best conditions:
- UniCredit Bank . Here, without income statement, a loan will be issued to car owners, as well as to those who have recently been abroad. The rate is quite attractive - from 16.9%.
- Bank opening". It offers loans up to 750,000 rubles at 12.9%. However, the client must insure his life, health and the risk of losing his job. There is a financial institution on Monastyrskaya street, 41.
- MDM Bank . Offers to take a loan for up to 5 years. The rate of 14% is determined individually. Address: Lenin Street, 26.
- “BCS-Bank” . Offers its customers the cheapest consumer credit. Perm banks (most of them) enter into a contract with compulsory insurance. This item is not here. There are also no fees for cashing funds. The loan size is from 0.5 to 1.5 million rubles for a period of up to 13 months, the rate of 13%. Address - Petropavlovskaya street, 77.
As you can see, each offer has pros and cons. The most attractive seems to be lending without insurance and commission.
Regional banks
These are not all the offers on the market. They have their pros and cons. Therefore, it is necessary to study the conditions. Perminvestbank is ready to provide you a loan for consumer needs (80 Komsomolsky prospekt street). The “Very necessary” program allows you to get money at 16%, 18% or 20% for 1 year, 3 years and 5 years, respectively. Moreover, the bank offers each client a choice. Do not want to take out insurance? It's okay, just the rate rises by 6%.
If a person does not have a certificate of income, then he will also receive money, but at 30%. And if your credit history is pretty bad, then the bank is ready to take a chance and give you a loan at 50% per annum. This is a lot. But as an option to correct the credit history, this is suitable, especially if the amount and term of payment is small.
For what purpose
The Pochtobank program is quite profitable, in the branches of which you can borrow from 100 to 300 thousand rubles. Perm bank addresses can be viewed on the official website of the company. The central office is located at ul. Lenin, 68. The lending conditions in this bank are somewhat peculiar. Managers are required to confirm the intended use of funds. Despite the fact that money is given for any purpose, you will have to explain why you needed it and where you spent it.
Home Credit Bank, Perm
Today there are branches of this bank throughout the Russian Federation and even abroad. This financial institution offers 10 programs to its clients:
- 3 options for consumer credit;
- 1 car loan;
- 6 types of credit cards.
The central office of Home Credit Bank (Perm) is located at Komsomolsky Prospekt, 7. The bank provides loans at 29.9% per annum for up to 4 years. Money is issued for any purpose. Very loyal conditions, practically no one is denied money here, provided that the necessary documents are provided. But the interest rate is very high.
"Bank for Reconstruction and Development"
Or the Ural Bank. Perm is another city where today there are 5 branches. The central branch is located at ul. Petropavlovskaya, 85. Loans are issued for any purpose, the interest rate of 13%. There is an opportunity to issue it without inquiries, while the rate is reduced to 14%. For amounts up to 200 thousand rubles, you only need to provide a passport. Judging by the feedback from consumers, quite attractive conditions are offered here. Among the inhabitants of Perm there are many who regularly use the programs of this bank.
Renaissance Bank (Perm)
At the end of the review, we will talk about one of the leading banks in the consumer lending sector in Russia. He works with millions of customers in Russia. Money is issued without collateral, up to 700 thousand rubles for any urgent purposes. Other conditions are offered to reliable customers, namely: flexible rates and increased loan amounts.
Money can be received already on the day of treatment, the application is considered almost instantly. The interest rate from 19.9% ​​to 29%, is negotiated individually in the office. Loan term from 24 to 60 months. It’s not necessary to come to the bank. It is enough to fill out an application through the official website, and the manager will contact you within a few hours.
In the city of Perm, you can contact the office, which is located at ul. Lenin, house 47. The Bank offers its customers a huge number of programs and an individual approach. To find the best conditions for you, contact the managers.
Finally
There are a lot of offers in the consumer lending market, so take your time to make a decision. You can place an application at once in several departments, and then compare the proposed conditions. A separate recommendation - immediately collect all the necessary information: income and from the place of work. This will allow the manager to conduct a more substantive conversation, choosing the optimal program for you. You can get money without inquiries. However, the conditions will be far from the most attractive.