With the advent of the economic crisis, only the most stable financial institutions that managed to choose the right tactics for providing services remained to work on the Russian market. One of them was the Russian Mortgage Bank. Reviews show that the number of customers of a financial institution is growing every year, and management comes up with attractive new products.
Basic information
The financial institution began its activities in 1992. For more than 20 years, the bank's management has achieved tremendous success. In March 2005, the organization became a member of the mandatory deposit insurance system for individuals, after which the number of customers began to increase rapidly. The national rating agency assigned the bank the category “A-”, which means a slight level of credit risk.
Since 2009, the main activity of the company has become mortgage lending. Thanks to the work of the bank, many young families were able to acquire their own housing on loyal terms. In addition, the financial institution offers profitable deposits, credit cards and many other services that make life easier for the modern person. Who can cooperate with the Russian mortgage bank? Reviews show that the institution works both with individuals and with organizations.
Mortgage
It is no coincidence that housing lending was chosen as the main activity. Today, not every Russian can save up for his own house or apartment. Meanwhile, a little overpaying, it will be possible to acquire housing after the conclusion of an agreement with the bank. What does the Russian mortgage bank offer ? Reviews show that everyone can buy real estate both in a new building and in the secondary market. Positive is the fact that the interest rate is fixed for the entire loan period and is 15% of the debt amount. The maximum contract term is 30 years.
After the conclusion of the contract, the client can immediately move into the purchased housing, register his relatives in it. This is a great alternative to savings. By purchasing housing here and now, we manage to protect our savings from inflation. No need to be afraid that there will be no opportunity to repay a loan in the future. In the event of force majeure, you can arrange a
credit vacation.Customer credit
Consumer lending remains popular. Many interesting programs are offered by the Russian Mortgage Bank. Employee reviews show that credit cards remain the most sought after. You can make a product absolutely free in any branch of a financial institution. This can be a card belonging to the international system "Visa" or "MasterCard". Using the product, you can withdraw cash from a credit account, make purchases on the Internet or in stationary stores around the world. The maximum amount of a credit line is 300 thousand rubles.
The “Pledge” program is also popular, according to which everyone can receive a certain amount of cash in rubles to improve housing conditions. The rate is fixed for the entire loan term and is 11.5%. The maximum amount is up to 60% of the value of the mortgaged property.
Cards
Offers to issue a Russian mortgage bank debit card. Reviews show that this product is very convenient to use. Besides the fact that there is no need to store large amounts of cash in your wallet, you also manage to protect your savings from inflation. The bank pays 1.5% per annum in the amount of the positive balance on the card. In addition, it is possible to get a discount when paying with a card in organizations that are partners of a financial institution. These are numerous beauty salons, restaurants, grocery stores, etc.
Unfortunately, not all cities may have an
accumulative card issued by the Russian Mortgage Bank. Reviews show that the service is most in demand in Moscow and St. Petersburg. A deal can also be concluded in Ufa, Yekaterinburg, Barnaul, Vladimir, other megacities and cities of regional significance.
Deposits
What else does the Russian mortgage bank offer? Contributions! Reviews show that a deposit agreement here can be concluded on favorable terms. The “Online Bonus” program is popular. The contract can be concluded in rubles at 8.2% per annum, in dollars and euros at 1.6% per annum. The minimum deposit amount in national currency is 30 thousand rubles. The plus is that you can replenish the account at any time without restrictions. In case of early termination of the transaction, interest earned is not paid.
Many more profitable programs are offered by the Russian Mortgage Bank. According to the feedback of investors, the product “Convenient management” is popular. The bottom line is that a plastic card is issued to the client, the key to the deposit account. It is possible to withdraw money without limits to the
minimum balance. You can also
replenish the deposit without restrictions. The contractual rate is 7.5% per annum. Transactions can be concluded directly at the branch of a financial institution.
Any deposit agreement can be executed with a passport, as well as an identification code.
Lease of bank cells
It is not always safe to store especially important documents or jewelry at home. Take advantage of the safe deposit box offers Russian mortgage bank. Reviews show that for a small fee you can be sure of the safety of your belongings. The rental price depends on the size of the cell and the period for which the contract will be concluded. So when renting a minimum cell for one month, you will have to pay 45 rubles per day. When concluding a contract for a year, the cost of the service is almost halved.
The largest cell measures 59x59x47 cm. When renting for a minimum period, you will have to pay 80 rubles per day. At the conclusion of the contract, a personal manager is attached to each client, who will be able to help, answer any questions.
Settlement and cash services
A huge range of services is offered by the Russian Mortgage Bank for legal entities and private entrepreneurs. Here you can open a current account and manage finances on favorable terms. Initially, the client must pay 750 rubles. This price includes opening an account, installing the Bank-Client system. If the company prefers to break off cooperation with the bank, closing the account will be absolutely free.
At the conclusion of the contract, a personal manager is attached to the legal entity or private entrepreneur. All financial transactions can be carried out online thanks to the Bank-Client system.
Feedback on the work of a financial institution
Russian Mortgage Bank is an organization that has been working in the field of lending for more than 20 years. Therefore, reviews about him can be heard both positive and negative. For the most part, the institution is spoken well. But there is also a negative associated with the inexperience of some employees.
Pleases a wide range of credit services. The bank offers to purchase housing on favorable terms. Almost every citizen of the Russian Federation with an official income can make a deal.
A lot of good reviews can be heard about deposits from the Russian Mortgage Bank. A contribution is an opportunity to preserve your savings and receive, albeit a small, additional income.