Despite the economic crisis in the country and in the world as a whole, the financial sector is rapidly developing. Banks compete among themselves, luring customers with profitable interest rates on loans and deposits. Attract financial institutions and a large selection of additional services. Recently, Expert Bank has been gaining more and more popularity. Customer reviews are proof of this.
Financial Institution Summary
The first steps to create a modern "Expert Bank" were taken in 1994. Then a limited liability partnership under the name “Siberian Merchant Bank” was registered. In the formation of the authorized capital was attended by only 16 individuals, as well as the Omsk Regional Council of Trade Unions.
Initially, his main area of activity was related to the support of small businesses. Profitable loans were issued for private entrepreneurs. Interesting conditions for businessmen are still offered by Expert Bank. Reviews show that 60% of the services of this financial institution are connected with the maintenance of individual entrepreneurs.
From the very beginning, the bank has been actively working with domestic payment systems. Interestingly, this campaign was one of the first to introduce plastic cards.
In 2001, the bank was transformed into a Closed Joint-Stock Company. Then the authorized capital already exceeded 1 billion rubles. Since December 2004, the company has been a member of the deposit guarantee fund.
Customer credit
Reviews show that consumer loans remain the most sought after among individuals. This can be confirmed by any employees of economic structures, including financial experts of Post Bank. Feedback on the conditions offered by the institution described can be heard for the most part positive.
Citizens of the Russian Federation aged 21 to 65 years can act as borrowers. The main condition is official employment in one place for at least 6 months. Confirm the information will have a certificate of income.
The minimum loan amount is 100 thousand rubles. The rate is 18% per annum. It is also proposed to use a convenient loan calculator. “Expert Bank” (we offer you your feedback about it) gives you the opportunity to find out the amount of the estimated minimum payment before the transaction is concluded. The maximum loan term is 60 months.
On more favorable terms, military personnel can borrow money. Mandatory experience at the last place of service - 4 months. The loan rate is 16% per annum.
Car loan
To quickly manage to solve all the tasks is almost impossible without your own transport. This is well understood by the managers of Expert Bank. Customer reviews show that a financial institution offers favorable credit conditions for the purchase of a car. The amount of the transaction can start from 100 thousand rubles. In this case, Casco design is not necessary. You can purchase both a new vehicle and a used car. The contractual rate is 14% per annum. The maximum term is 60 months. Perhaps early repayment of the loan without penalty.
Any citizen of the Russian Federation who has reached the age of 21 can become a client of the bank. It is important that at the time the contract expires, the client should not be older than 65 years. That is, if a person aged 63 years old wants to buy a vehicle on credit, the contract can be concluded only for 2 years. To conclude a transaction, you must provide:
- passport of a citizen of the Russian Federation;
- SNILS number;
- income statement for the last 6 months.
Credit Housing
Not every young family can afford to buy an apartment today. It will be more profitable to buy square meters at the construction stage. However, in this case, the collected funds may not be enough. This is where Expert Bank can come to the rescue.
Employee reviews show that housing lending is very much in demand today. And the plus is that there are no restrictions on the maximum amount. A financial institution studies the client’s application, evaluates its solvency and makes a decision on the conclusion of the transaction. The maximum loan term is 30 years.
The conditions for acquiring housing in the primary and secondary markets are different. In the first case, the size of the commission cannot be less than 10.25% per annum. When buying a lived-in apartment, you will have to overpay 9.25% per year.
Under one agreement, you can attract up to three co-borrowers. Their income will be taken into account when registering a mortgage. It is important that the age of the parties to the transaction at the time the contract is completed does not exceed 65 years.
Favorable mortgage terms are offered for military personnel. Customers aged 25 to 45 years can make a deal. The rate is 9% per annum. The maximum loan term is 25 years. In this way, you can buy an apartment, both in a new building and in the secondary market.
Deposits for individuals
And what deposit conditions does Expert Bank offer? Employee reviews show that the number of clients who turn to this institution to conclude deposit agreements is growing daily. This is due to the fact that the company is a member of the deposit guarantee fund. Customers can be sure that their money will be returned in full.
The most popular is the deposit called "Optimal". The program helps to reliably protect funds from inflation. The plus is that interest on the deposit can be withdrawn monthly. The contract is concluded in rubles. The rate is 8.25% per annum. When concluding a transaction without monthly withdrawal of earned interest, the rate is 8.5% per annum. The minimum deposit period is 2 months, the maximum is one year. If the client does not come for money after the end of the transaction, the money is credited to the “on demand” account with an accrual of 1% per annum.
Debit card
A plastic card is a convenient key to finances that are under reliable protection in a bank. You can open an account absolutely free in any department. Expert Bank debit cards (customer reviews - confirmation of this) are popular. Having designed such a product, everyone gets the opportunity to profitably change the currency per bank bite, pay bills in real time, and also receive passive income. For finances held by the bank, a commission of 8% per annum is charged.
A debit card is especially beneficial for those traveling abroad. Overpayment during currency conversion does not exceed 2%. The client replenishes the card with rubles and can be paid at stores, hotels and restaurants around the world. You can order a card in real time by submitting an application on the official website of the bank.
Services for business owners
Favorable conditions of cooperation are offered for individual entrepreneurs by Expert Bank. Reviews in Moscow about the work of a financial institution can be heard for the most part positive. The most popular is the service associated with the opening and maintenance of a current account. Attracts customers the absence of hidden fees. Issuing an account is free of charge. A monthly installment is also missing. There is no need to deposit funds for payment orders. Moreover, the bank itself pays the client 5% per annum on the remaining amount in the current account. The issuance of funds within 700 thousand rubles is carried out without commission.
Each individual entrepreneur gets the opportunity to remotely make accounting calculations and manage their finances. For this, special software with several security levels is provided. Money is under reliable protection.
Business loans
You can quickly increase sales by increasing the volume of working capital. Favorable lending conditions are offered by Expert Bank for individual entrepreneurs. There is an opportunity to receive up to 50 million rubles for the development of their business. Lap lending 0 60 months. The rate under such an agreement is 16% per annum. There are no hidden fees.
Any citizen of the Russian Federation aged 21 to 65 years can make a deal. The term of employment should not be less than 6 months. For registration of the amount exceeding 100 thousand rubles, proof of income will be required.
Deposits for business
Expert Bank offers individual entrepreneurs profitable to save their savings. A debit card, reviews of which you can hear mostly positive, is a convenient tool with which you can withdraw accumulated funds, as well as interest on deposits. Many entrepreneurs have already transferred their accounts to Expert Bank due to more favorable conditions.
What does a financial institution offer? First of all, this is a short-term allocation of funds. You can issue a deposit agreement for only a month. You can replenish your account by bank transfer. Warehouse rate - from 8% per annum in national currency.
Feedback on the work of a financial institution
The plus is that economic transactions (transfer of funds, signing of an agreement, etc.) are carried out in the shortest possible time. Only financial experts of Post Bank are working so fast. Employee reviews show that due to well-coordinated work in the departments there are practically no queues.
“Expert Bank” attracts customers with a wide range of beneficial services. Good feedback on the work of the institution can be heard from both private clients and business owners.