Everyone wants to live beautifully and not deny themselves anything. But financial opportunities are not always enough to acquire even the necessary things. And then a lending program comes to the rescue. Many financial institutions today lend money at interest. Favorable loans at Idea Bank - an opportunity to improve the quality of life.
Basic information
It is a financial institution with a rich history. Today there are many loan offers. Moreover, “Idea Bank” cannot be called one of the leaders in this field in the domestic market. Despite this, the financial institution has many regular customers who not only borrow money, but also sign deposit agreements.
The Federal Bank is actively developing today. In 16 regions of Russia, people have the opportunity to profitably obtain a loan. A decision on extradition is made in a matter of minutes. To sign the contract, a minimum package of documents is required.
Car loan
To purchase a vehicle, there is no need to save the necessary amount for several years. All you need to do is get a loan at Idea Bank. The conditions are completely transparent. Any citizen of Russia can enter into a transaction whose permanent registration period exceeds 6 months. Attention is paid to age characteristics. Idea Bank loans can be issued to citizens who are 23 years old at the time of signing the contract. It is important that at the time the transaction ends, the age of the client does not exceed 65 years.
The currency of the transaction is the ruble. This eliminates the possibility of reducing benefits due to inflation. For registration of the contract, a minimum package of documents is required - a passport of a citizen of the Russian Federation, as well as a certificate of assignment of an identification code.
According to the proposed program, Idea Bank loans can be issued for both new and used cars. It is important that the age of the vehicle at the time of the transaction does not exceed 10 years.
Lending terms
Each citizen has the opportunity to conclude a deal for a period of 15 to 60 months. The maximum contract amount is 5 million rubles. There are restrictions on the minimum amount. A transaction of less than 100 thousand rubles is not concluded. Really beneficial offers "Idea Bank" loans. Customer reviews show that the contract rate depends on several factors. First of all, this is the amount of the down payment. If you make at least 70% of the total amount of the car, the annual rate will be 15%. It is possible to complete a transaction without a down payment, and this is noted in the reviews as the most positive moment. The rate will be 22% per annum.
The term also affects the cost of the loan. When registering a deal for the maximum, it is worth counting on an increased percentage (from 20 to 25% per annum). Early
repayment of a loan at Idea Bank is permitted. But this does not affect the rate set at the conclusion of the contract.
How to repay a loan at Idea Bank?
When concluding the contract, the manager gives the client several receipts, which indicate the details for paying the debt. The lending program in a financial institution provides for an annuity system for paying off debts - in equal parts. Initially, a large amount goes to pay interest. With each payment, the amount of overpayment decreases.
It should be borne in mind that in other banks for the services you also have to pay a commission.
Credit Card
In the world of information technology, many people refuse cash. Money can be stored in accounts, and you can use it with a plastic card. Even in order to take money on credit, it is not necessary to fill out forms and wait a long time for an answer on the transaction in the office of a financial institution. Credits "Idea Bank" - it saves time. In order to get a certain amount of debt, you have to visit the office only once.
A credit card is issued absolutely free to Russian citizens who have reached the age of 21 years. To conclude a transaction, you must provide a passport, as well as a certificate of assignment of an identification number. The loan amount will depend on the financial data of the client (salary, additional income) and will range from 10 to 100 thousand rubles.
Credit Card Features
Customers are offered plastic cards of the international financial system MasterCard. This means that you can withdraw funds anywhere in the world. Through ATMs of a network of partner banks, money can be withdrawn without a commission. A credit card provides financial freedom both in the Russian Federation and abroad.
The basic interest rate on the loan is 20%. It can be reduced in agreement with the leadership of the financial institution. Having concluded a deal with the bank, customers also receive additional bonuses in the form of free account maintenance, interest accrual on the balance of their own funds. Convenient for customers is also an Internet bank. Everyone can check their account status through a home computer or mobile application.
Reviews
Clients note that due to the unstable economic situation in the country, the financial institution is moving towards. Those who cannot pay the Idea Bank loans on time should contact the nearest branch to resolve the situation. There are two options for solving problems. A grace period may be provided for the payment of a loan. In this case, the amount of the minimum payment is reduced only for a certain period. Then you have to pay the debt at an increased rate.
Another option is to reduce the minimum monthly payment. It should be borne in mind that the contract will be extended. The decision on the possibility of changing the terms of the loan agreement is made on the basis of the documents submitted confirming the deterioration of the financial condition of the client (health certificate, copy of the work bookmarked with the notice of dismissal from work). Reviews provide an opportunity to understand that a solution to the issue is offered to almost everyone. Individual approach is a huge plus.