Yakutia is the largest republic in the Russian Federation. However, due to the remote location and low population density (less than 1 million people), the number of financial institutions in this region is limited. Accordingly, there are fewer opportunities to receive financial resources for personal needs. Let us consider in more detail what service conditions are offered by the banks of Yakutsk.
Rating
The banks of Yakutsk were included in the rating presented below for two factors: the presence of representative offices in the republic, and the size of assets. The list also includes the largest institutions of the Russian Federation. The most reliable banks in Yakutia in 2016 were:
- Sberbank
- Gazprombank;
- "VTB 24";
- Russian Agricultural Bank;
- "Alfa Bank".
In total, there are 52 representative offices of national and regional financial institutions in the region. Nevertheless, a quick loan for any purpose can be obtained only in a few banks.
Bank loans in Yakutsk
Renaissance Credit provides cash loans in the range of 30-500 thousand rubles. without collateral. To sign the contract, you need a passport and an additional one document. Loans with a maturity of up to 5 years are available to citizens of the Russian Federation aged 24 to 70 years, who worked in last place for at least 3 months.
Ural Bank provides loans to Russian citizens who have reached 21 years of age in 15 minutes. The maximum loan amount is 200 thousand rubles. The service charge is 15%. The loan must be repaid in two years.
Vostochny Express Bank (Yakutsk) requires a full package of documents from its clients (passport, certificate of work). Loans for a maximum amount of 1 million rubles. available to citizens of the Russian Federation from the age of 21 years. A loan is serviced at a rate of 15% per annum. You can pay off debt for 5 years.
Banks of Yakutsk will compete with Post Bank
Russian Post and VTB24 establish Post Bank, which will operate in post offices. The institution is being created on the basis of Summer Bank, whose head will take charge of the management of the new point. The first attempts to create a postal bank were made 16 years ago, but the real project was launched only in 2016.
The first banks of Yakutsk in post offices will begin to work at the end of 2017. Such an organization will be of interest to residents of Yakutia, since the country's only major financial institution, Sberbank, began closing branches in remote regions in 2015. A large number of residents of Yakutia were left without service.
Today, for 24 thousand residents of the Verkhoyansk and Olenek districts, only two branches of the bank are serviced. Residents of the village have to go to the regional centers for money and stand idle time queues at ATMs. The opening of Post Bank should ease social tensions.
Sberbank launched a new product
While other banks in Yakutsk are oriented towards providing loans on favorable terms, Sberbank has launched a new product - “Nominal account for social payments”. Trustees of minors or persons with limited legal capacity may receive payments directly to a bank account. The balance of unused funds will accrue 3.5% per annum. To open an account, you need to provide documents for payment once.