The popularity of lending services is increasing every year. In order to withstand competition, each bank tries to offer its customers the most favorable conditions for consumer loans and credit cards. But not everyone manages to maintain a good reputation. Today we’ll review the reviews on Vostochny Bank.
Bank Information
Orient Express Bank is one of the private banks. Its branches are distributed throughout the Russian Federation. He received registration in 1991. Today, Vostochny Bank is one of the largest financial institutions in Russia. Its customer base has more than three million customers.
Now Vostochny is one of the ten largest banks in Russia. Due to such popularity, reviews about Vostochny Bank can be found on any website that selects loans for the population.
Bank Services
Like any other financial institution, Vostochny Bank provides its clients with services in the field of lending and opening savings deposits. So, anyone who meets the requirements of the institution can:
- Make an application for a consumer loan.
- Get a credit card at the bank.
- Open a current account.
- Issue a debit card.
- Open a cash deposit in a bank at a certain percentage.
- Get a salary card.
- Get a mortgage.
- Use other banking services (payments, transfers, etc.).
The most popular are consumer loan and credit card services. All reviews about Vostochny Bank and its services can be found on the organization’s official website.
Who can get a loan from a bank
Any potential borrower can get a consumer loan or get a credit card from Vostochny Bank. However, it must comply with all the requirements of the institution. These include:
- The presence of Russian citizenship.
- The presence of a valid passport of a citizen of the Russian Federation.
- The borrower must have a regular source of income. It may be wages, pension payments, other social benefits.
- The borrower must be at least 18 years old and not more than 65. In some cases, the age group starts from 21 years to 70 years. For older borrowers, a separate type of lending is offered - pension.
- At the current place, the future loan client of the bank should work for at least 3 months, and the total length of service should be six months.
- Must have your own phone number and work.
Before proceeding with a loan, it is recommended that you study the reviews on the "East Bank" on loans from its existing customers.
How to get a loan
In order to get a loan in such a bank, it will be necessary to apply to a branch of a financial organization with a package of certain documents. It can also be done at any Vostochny Bank credit service sales desk. True, you can not find them in all cities. But first, you should read the customer reviews on loans from Vostochny Bank.
In addition, there is the easiest and most convenient way - to apply for a loan or credit card on the Internet. This greatly saves time and nerves. In addition, you can get a loan in this way absolutely from any device that allows you to access the Internet. It doesn’t matter if it is a computer, laptop, tablet or even a phone.
To do this, just go to the official page of the bank and fill out the proposed application form. The procedure will not take much time, and the decision on the application will be sent in the form of SMS to mobile within 15 minutes. With a positive decision, all that remains is to visit the office of the nearest bank. You can do this at any convenient time.
Documents for a loan
Reviews about Vostochny Bank are often laudatory because of the minimum package of documents that a financial institution requires when applying for a loan. Indeed, when applying for most types of loans or credit cards, the bank does not ask for any additional papers and certificates. The main necessary documents are:
- Original of a valid passport of a citizen of the Russian Federation.
- SNILS is a green plastic card for state pension insurance.
Sometimes a bank may request additional documents from its potential borrower. These include the TIN. Such a document is considered mandatory for presentation to the bank if the borrower is an individual entrepreneur.
There are certain nuances. When applying for a loan of more than 300 thousand rubles, a mandatory document will be a 2NDFL certificate or in the form of a bank. It will serve as proof of the solvency of the client. But in some cases this is not required. The need to provide such a certificate disappears if the borrower is a salary client of the bank.
To obtain a loan or a credit card, additional documents may also be referred to a financial institution. This list includes:
- Driver's license.
- A copy of the work book certified by the seal of the employer.
- Title to the vehicle.
- Certificate of ownership of real estate.
- Foreign passport, with marks on leaving the country during the last year.
- Third-party credit card.
- Voluntary health insurance policy.
According to reviews of Vostochny Bank, such additional documents are rarely required. You can get a loan for just two inquiries.
Customer feedback on loans
Credit Bank "Vostochny" customer reviews, like most other financial and credit organizations, are very contradictory. Let's consider them in more detail. Some clients are very satisfied with lending services and a low interest rate, while others are absolutely not.
But despite this, both sides have an agreement on one thing: the bank too imposes its services. How is this manifested? According to current and former customers, employees of a financial institution intrusively offer their services in the field of lending. They often call numbers that were left as additional contacts, offering to arrange a loan.
But on the whole, the feedback from Vostochny Bank's customers is positive about the loan processing procedure and the annual rate on it. The benefits do not end there. The simplicity of filling out an application on the official website of the bank, as well as the speed of decision-making on the submitted application for a loan, received positive feedback.
Not all customers are satisfied that when you loan a large amount of money, you must provide not only a certificate confirming income, but also a copy of the work book.
Credit Card Reviews
Credit cards issued by the bank are also popular. However, customer reviews of Vostochny Express Bank on credit cards are not so positive. Why? Most negative opinions relate to the currently popular “Heat” credit card. Customers complain that you can not refuse insurance during its registration. It is worth noting that additional payments are made for card insurance.
But that is not all. A lot of complaints from customers come about the complete closure of the credit limit on the card.
Bank debtors reviews
A separate story is the opinion of debtors. Everyone understands that feedback from Vostochny Credit Bank from people who have overdue debts will not be positive. Complaints are received by collector calls at almost any time of the day. But this is understandable. None of the credit organizations will forgive the debt to its borrower. She will make every effort to ensure that the debtor returns the money.
In addition to negative reviews from the debtors themselves, negative ones also come from people whose number was left as an additional contact.
Feedback from Vostochny Bank employees about working in it
And now about the feedback that Vostochny Credit Bank receives from its current and former employees.
Unfortunately, most of them are not positive. Former employees of a credit institution complain about the irregular schedule associated with a lack of staff. Also, if you read reviews about working at this bank, you can find out that employees are practically forced to make calls with a proposal to get a loan. In this regard, the offices have a large staff turnover. Former employees complained that they had to hand out flyers advertising banking services. However, such work was not paid extra.
Of course, there are also positive reviews from Vostochny Express bank employees. They talk about the stable and timely payment of wages, a close-knit and friendly team and career opportunities.