Can I get a loan at the Post Bank? This is a common question. We will understand in this article.
The Bank is a universal retail company created last year by VTB, as well as the Russian Post. The key goal of the establishment of Post Bank is the desire to increase the availability of financial services provided to residents of Russia. This financial institution today is developing a large-scale network based on Russian Post. By the beginning of 2018, it is planned to open about eighteen thousand branches at postal points, which will make it possible to strengthen the penetration of basic banking services throughout the country. About how to get a loan at Post Bank, as well as about the opinions of consumers about the products of this financial institution, we will discuss below.
Bank Information
The Bank Post product line offers the following services:
- Savings accounts and deposits.
- Transfers and payments.
- A wide range of loan products.
- Salary and pension services for the population.
- Providing mobile and online banking.
According to the results of the first six months of this year, the bank managed to open about ten thousand points of service in more than seventy regions of Russia. Today, Post Bank holds the second place in terms of the size of the retail network in the domestic financial market. It is interesting to note that over eighty percent of the geography of the presence of this structure is in small cities with a population of up to thirty thousand people. The total number of Post Bank customers reaches four and a half million people. And by 2023, this financial organization plans to further increase its customer base. It is also important to note that a third of the customers of this bank are pensioners.
How to get a loan at Post Bank is interesting to many.
What does it look like?
In postal points, the bank is presented in the form of sales windows where employees of this financial organization work. It operates without cash nodes, any operations are performed by customers through the use of ATMs with a closed cash flow regime. Today, Post Bank is the only organization in Russia whose terminal network consists entirely of such devices. You can withdraw money or replenish the balance of your card at those points of the “Russian Post” where the pos-terminals of this bank operate.
Loans
So, how to get a loan at Post Bank?
The organization offers various loans. Products range from personal lending and education to providing funds for the development of the Far Eastern Hectare and supporting corporate clients. In addition, there are refinancing services, loans for senior citizens and so on.
Most often, people want to get a cash loan at Post Bank.
The interest rate on consumer loans is thirteen percent. The amount that can be obtained as part of lending for personal purposes, reaches one million rubles. Dates are provided from one year to five years. In order to apply, you must present your passport, as well as the number of SNILS. An application can be submitted in several ways:
- Fill out the form on the official website.
- Fill out an application at the customer center.
- Make a request at the sales desk or at a point of sale with partners of the bank.
Customer requirements
The bank will not make all applicants for cash borrowed funds its customers. For a positive decision, the applicant must fulfill the following requirements: be 18 years old, a citizen of the Russian Federation with a permanent residence permit in any region of the country, work in one place for at least three months. You also need to think about additional documents (SNILS, driver's license, passport with marks). Mostly loans are issued to people who carry out labor activities. But if the applicant does not work, he can also apply for a loan, however, the conditions for cooperation with him will be more severe.
Preliminary decision
A preliminary decision is communicated to customers within a minute if the application is filled out on the site. When it is submitted to the bank branch, it takes up to one business day. After receiving a loan, customers can withdraw cash through an ATM or pay with a plastic card. We learn what consumers think about taking a loan at the Post Bank of Russia.
Consumer Reviews
Consumers who have taken a loan from this bank report both the pros and cons of this financial institution. For example, it is reported that the staff at Post Bank is friendly enough and always trying to help with something. Also, people like the speed of paperwork.
But among the majority of reviews, there is such a minus that there are no cash desks in the offices of this institution, and all funds are paid by using ATMs. People find this extremely inconvenient, as they constantly need to come with the exact amount of the planned payment, and the terminal does not always recognize bills.
Consumers like that Post Bank provides its customers with a grace period of one hundred and twenty days. People also appreciate that they have the opportunity to receive any information about the service immediately before applying for a loan. Another advantage is the design of an online application without scans of documents and certificates. In addition, based on most reviews, we can say that consumers consider this bank reliable, since it operates on the basis of VTB.
Among the minuses are often called the lack of a cache back. Consumers also believe that Pochta Bank still has a very weak network of ATMs and branches, providing its customers with not the lowest interest rate along with annual service. A number of individual comments also noted the incompetence of employees and the inconvenience in using the Internet bank.
According to reviews, many people want to take out a loan at Post Bank, but not everyone succeeds. Very often loan applications are rejected.
Bank advantages based on reviews
Based on the reviews, the following advantages of a financial institution can be distinguished:
- Carrying out licensed activities and deposit insurance.
- The availability of bank branches, which are located in almost every postal point.
- A large number of terminals.
- Ability to use VTB ATMs.
- Interest on the balance of funds.
- Issuing a free debit card.
- Replenishment of the account from the card of any other banking institution without writing off a commission.
- Providing increased interest for retirees.
Disadvantages of "Post Bank"
Most often, people in their comments report on the following shortcomings of this financial institution:
- Lack of cache back.
- The decrease in annual interest.
- Large commission for cash withdrawals over four hundred rubles a month.
- In order for a pensioner to be able to receive a higher percentage, it is necessary to transfer funds to the account of this particular organization.
We figured out how to get a loan at Post Bank.