Many people are used to trusting trusted financial institutions, which are always well known. Meanwhile, more advantageous services can be obtained from less popular banks. Good products do not need advertising. On loyal terms, Metallinvestbank offers to issue a loan. Reviews show that profitable deposit programs are also offered here.
General information
Today, not everyone knows what Metallinvestbank is. The reviews of experts show that individuals prefer to trust institutions that are always on hearing. These are Sberbank, Promsvyazbank, VTB24, etc. Meanwhile, Metallinvestbank has been operating since 1993 and is not going to stop there. The number of existing customers is increasing every year, and the authorized capital of the institution is growing.
The main activity of the bank today is integrated customer service. Profitable
lending programs are offered
. Everyone can make a contribution in both national and foreign currencies. The Bank is a member of the Deposit Guarantee Fund for Individuals. In 2017, Metallinvestbank entered the Top 100 largest national banks. In terms of assets, the company took 61 place.
Today, there are more than 50 offices and branches of the bank throughout the country. New representative offices open annually. High-quality service in real time. You can hear a lot of good reviews about the work of Internet banking.
Customer credit
This area of activity today is the most profitable for many financial institutions. Metallinvestbank is not far behind. Customer reviews show that you can get a product loan here on really favorable terms. The plus is that the borrower independently chooses a debt repayment scheme - annuity or differential. Low interest rates also attract. It is possible to get a loan at 18% per annum.
Each client has the opportunity to take cash in cash for a period of 12 to 60 months. The main condition is official employment in last place for at least 6 months. The loan amount can be from 50 thousand to 1 million rubles. Favorable conditions are offered for senior citizens. Clients under the age of 65 can take 600 thousand on credit at 15.5% per annum. The main documents for concluding the transaction are the passport of a citizen of the Russian Federation, SNILS number, as well as a statement of income for the last 6 months.
Good conditions are offered for holders of Metallinvestbank salary cards. Customer reviews show that it is possible to get a loan in the amount of 700 thousand rubles at 12.8% per annum.
Credit cards
Cards with a credit line have been popular for many years. This is an opportunity to make purchases on credit. In this case, you need to contact the bank only once - at the conclusion of the contract. A really advantageous offer attracts Metallinvestbank. Reviews show that credit cards with a grace period are becoming more and more popular. You can use the money for free for 55 days. If the amount taken is not returned to the account in a timely manner, a commission of 1.5% of the amount owed is charged. The card is issued in accordance with the international payment system. This means that you can withdraw credit at any ATM around the world. For conversion, you will additionally have to pay 2%.
Any adult citizen of the Russian Federation under the age of 65 can enter into an agreement with a bank. The maximum size of a credit line is up to 1 million rubles. It is also possible to open the card in dollars or euros.
Auto loans
Own vehicle is no longer a luxury, but a necessity. Everywhere you can catch only with a car. But not everyone can afford to buy a good car. Metallinvestbank offers its services in Moscow. Reviews show that in the capital car loans are most in demand.
A financial institution offers to purchase both a new vehicle and a used one. The contract can be concluded for a period of 1 to 5 years. Early repayment of the debt is possible, however, it will be necessary to make a commission equal to the use of credit funds within 12 months. The maximum for the purchase of a car can be 3 million rubles. The rate without insurance under the Casco program is 21.5% per annum. Subject to borrower insurance and Casco, the rate is reduced to 16.5% per annum. The age of the borrower is from 20 to 60 years. A car loan can only be issued by an officially employed citizen of the Russian Federation.
Mortgage
Housing lending is gaining more and more popularity every year. Young couples prefer to pay a commission to the bank than to pay for the rental of real estate. Offers to issue a Metallinvestbank mortgage without a down payment. The reviews show that in order to conclude such a deal, it is necessary to have official employment, as well as to enlist the support of loved ones. The more co-borrowers will be under the contract, the higher the chances of a positive response to the issuance of funds by a financial institution. The rate on such a loan is 12.5% per annum. The maximum term is 25 years.
On more favorable terms, you can conclude a deal to purchase housing in the primary market (in a new building) when paying a fee of 30%. The minimum loan amount is 500 thousand rubles. The maximum client can purchase real estate worth 12 million rubles. The level of income of the client as well as co-borrowers is taken into account. An important condition is the total working experience of at least 1 year, in the last place - 4 months. Permanent registration in Russia is also important.
Profitable deposit products
The bank offers Metallinvestbank really attractive deposit conditions. Employee reviews show that recently the number of clients has grown significantly due to the participation of the institution in the background of guaranteeing deposits of individuals. You can conclude an agreement in both domestic and foreign currency. The most profitable, according to reviews, is the product "Profitable Year." Each client can complete a deal for 12 months and receive 8.3% per annum. The contract can only be concluded in rubles.
The most popular product is “Maximum Revenue”. The contractual rate is 7.7% in rubles, 1.5% in dollars and 0.4% in euros. Interest can be received monthly or at the end of the term. Favorable can also be called the product “Managed”, which provides for the possibility of partial withdrawal of funds if necessary. The contractual rate is 7.0% per annum.
If you have a pension certificate, you can apply for a pension income deposit. A deal can only be concluded in rubles. The rate is 7.3% per annum. A huge advantage is the monthly capitalization of interest.
Insurance
Really universal can be called Metallinvestbank. Employee reviews show that insurance services are popular among customers. Programs are offered that help protect life, health, and property. The partner of the financial institution is Sogaz. The client independently decides how much to insure himself. The cost of the programs varies from 27 to 43 dollars. The plus is that the contract can be valid worldwide. The only exceptions are the territories in which hostilities take place.
In order to purchase an insurance policy, you must contact the nearest office of Metallinvestbank, select the program of interest and pay the fee through the cashier. The whole process of paperwork takes no more than 30 minutes.
Property insurance programs are also in demand. The cost of the policy depends on many factors. The minimum contribution is 1400 rubles per year. The policyholder has the ability to protect the property from the following risks - fire, flood, theft, gulf, explosion of domestic gas.
Settlement and cash services for individual entrepreneurs
A financial institution offers interesting services for business owners as well as legal entities. Those who want to open a checking account here will have to pay 2,000 rubles. The cost of service is 1500 rubles per month. For interbank transfers you will have to pay 1% of the transaction amount.
Despite the high tariffs, many entrepreneurs choose Metallinvestbank for cooperation. Revocation of the license of a financial institution has not yet been provided. This means that the bank can be trusted with their funds.
For business owners, many additional services are offered. So, for example, individual entrepreneurs can receive passive income from cooperation with the bank. For business owners, special deposit conditions are offered. In rubles, you can store funds at 9% per annum. The placement period is from 31 to 540 days.
Business loans
Metallinvestbank offers a wide range of loan products, taking into account the characteristics of various business lines. Each individual entrepreneur can borrow money in dollars to increase the volume of working capital. The main requirements are citizenship of the Russian Federation, as well as the term of the company or individual entrepreneur at least 6 months.
The owners of their own business can receive up to 150 million rubles. The decision on the loan amount is made individually in each case. The contract can be concluded for a period of 3 to 7 years. The rate is 15.25% per annum.
Opinions on the work of Metallinvestbank
Mortgage, reviews of which you can hear a variety, is by far the most sought after product of a financial institution. Attracts customers the opportunity to complete a transaction without a down payment. Employees note that the bank finds an approach to almost every client. Failures come only to customers with a negative credit history.
Deposit products are also in demand, according to reviews. They attract attractive interest rates and the reliability of a financial institution.