Loans issued to address consumer needs are the most common lending programs of financial institutions. Such a service can be used for education, major repairs, purchase of machinery or vehicles. Gazprombank offers money to meet the aforementioned needs. Consumer
credit issued in this financial organization will help to solve many life problems.
Despite the large number of different programs, this type of loan can be divided into two large categories:
1. Target loan - when there is a clause in the contract that defines the purpose of receiving funds. This may be the acquisition of higher education, the need for medical care, recreation, the purchase of household appliances and more. If you take a consumer loan at Gazprombank for a specific purpose, you can get milder loan conditions and a low interest rate. The main disadvantage of the target program is that a financial institution can control the spending of funds.
In some cases, the borrower may not even see the money received, since the bank immediately transfers it to the account of the organization that provides the service.
2. Non-target - within the framework of such a loan, it is intended to receive a certain amount of money to satisfy pressing problems. One of the most profitable organizations for designing such a program is Gazprombank. A consumer loan for vague purposes is issued to him at 16% per annum in rubles and 12% in dollars.
When applying for a loan, you can get money on a bank credit card. As a collateral object, the borrower may offer the organization any securities or property in his possession. To obtain a loan, a client must satisfy some requirements of the bank:
1. Age category. What is the minimum age of a client who can turn to Gazprombank for help? A consumer loan cannot be obtained if the borrower is under 20 years old, despite the fact that in the current legislation it is limited to 18 years. There is a maximum age: the borrower must be no more than 65 years old.
2. Registration. The client must be registered in the same region where the main office or one of the bank branches is located.
3. The amount of payments. The minimum amount that a borrower can receive under this loan program is 30 thousand rubles, and the maximum is 1.5 million rubles.
Car as collateral
The car today is one of the most popular collateral objects. In this case, the financial institution assigns an individual interest rate. Gazprombank, the consumer loan of which is issued at the lowest interest rates, offers a rate of 13 to 15% per annum in the case of a pledge in the form of a car. However, when you receive such a loan, you should pay attention to some of the pitfalls present in the agreement that Gazprombank offers. A consumer loan can only be issued if you pay a one-time loan fee of $ 100 . In addition, the client will not be able to install a GPS meter on his vehicle and continue to use it. He will have to put his property in a guarded parking lot, where it will remain until the loan is fully repaid.