Shopping does not always bring joy, because, having spent a monthly salary, a person is forced to experience enormous financial difficulties. And what if you need to buy a car or expensive household appliances? Fortunately, today in almost every bank you can get a loan and get it in cash or on a card. However, such a variety of credit organizations and proposals from bankers leads to the fact that it becomes increasingly difficult for citizens to make a choice in favor of a particular program.
Therefore, it is worth considering which bank has the most advantageous cash loan or card. What conditions should the applicant meet? Are there any age restrictions?
What to look for: user recommendations
When deciding which bank has the most profitable consumer loan, reviews should be studied first. Those who have already taken loans repeatedly have come across a number of pitfalls that you can easily ignore. Consider the most common of them:
- Sometimes, in commercials, banks use only part of the real information about credit rates and loan conditions. The fact is that this or that rate is calculated on the basis of the documents provided. In some situations, a minimum commission is possible only after completing comprehensive insurance. If it is not done, then the interest commission automatically increases, which the client of the bank does not even guess about until he receives the first notice of debt.
- Some, deciding which loan is the most profitable, consider that with an early repayment of a loan, you can significantly save on overpayments. However, this is not the case. Some banks provide penalties for early deposit of funds. However, such conditions are usually typical for not the most popular organizations, but only for those that just want to get a lot more commissions, without looking far into the future and not particularly puzzled by their reputation.
- Many believe that by making monthly payments through the cashier at the bank, you can save a lot. This is actually not the case. Redemption through special terminals or when using a computer is much more profitable. In this case, no operator service fee is charged.
- The biggest problem banks customers face is late payment fines. If you comply with the terms of the contract in good faith, then there will be no consequences. All confusion begins when a bank customer makes a payment later than the promised date. In this case, the penalty system may differ depending on the bank. To avoid troubles, it is necessary to clarify the operator’s possible sanctions. It is also worth clarifying which paid services will be included in the package. Sometimes a loan involves an additional monthly payment of notifications that come to the phone. If the payment amount does not include this option, then additional interest for late payments may begin to accrue.
Before signing the contract, you need to re-read it several times and check with the operator the exact size of the interest rate, as well as the exact amount from which it is calculated.
Now it’s worth considering which bank has the best cash loan or best credit card.
Sovcombank
The interest rate is only 12% per annum, which is a pretty good offer today. Moreover, customers can apply for a loan for the maximum possible amount of 400 thousand rubles. However, upon provision of additional documents and depending on the specific client, the loan may be increased to 1 million.
To receive money with an interest rate of 12%, customers need to prepare an income statement. At the same time, a citizen of the Russian Federation over the age of 35 years must work in the same organization for at least 4 months.
If we talk about which bank is the most profitable for pensioners, then all residents of the country who are not yet 85 years old can apply. However, keep in mind that all cash must be paid before this age.
If the client is from 20 to 35 years old, then he can get a loan in the amount of up to 1 million rubles for 5 years with an interest rate of 17%. However, in this case there will be one important condition - a pledge in the form of a vehicle.
Post Bank
When deciding which is the most profitable consumer loan, many do not pay attention to this organization, which opened not so long ago. And in vain. This bank offers its potential customers to issue a credit card with a limit of up to 500 rubles. When repaying a loan within 4 months, no interest will be charged on funds. The minimum loan is 15 thousand rubles.
If the interest-free period has been overdue, the interest rate will increase from 0% to 27.9%. Also, annual card maintenance will cost 900 rubles.
Loans are issued to citizens over the age of 18 years. In this case, the working experience should be at least 3 months. However, a certificate of income is not required, just a passport is enough.
Binbank
If we talk about what the most profitable cash loan can be obtained, then it is worth paying attention to the proposal from this organization. Clients are invited to obtain a loan in the amount of 50 thousand rubles to 2 million. At the same time, you can repay the loan within 7 years at an interest rate of 14.5%. To do this, it is not necessary to visit a bank branch, all operations can be performed from your personal PC connected to the Internet. However, at the same time, loans are not issued to unemployed people and private entrepreneurs, i.e., individual entrepreneurs. There are also age restrictions. Bank customers wishing to apply must be at least 23 no more than 63 years old. In addition, you must provide an income statement and a copy of the work book so that the department staff or online operators can make sure that the citizen has been working in the same place for at least 3 months.
"VTB 24"
When deciding which bank has the most profitable loan percentage, many prefer time-tested organizations. In “VTB 24” you can get cash in the amount of up to 3 million rubles, the payment of which is given 7 years. The rate is 14.9%. To obtain such a consumer loan, you must provide a work book and a certificate confirming the presence of a fixed income. At the same time, the age of potential bank customers should be at least 21 years old, but no more than 70 years old.
The uniqueness of this loan offer lies in the fact that every year the interest rate on the loan is reduced. However, this is only possible if there are no delays in payments.
Citibank
In some situations, it is important for citizens not only to find out what is the most beneficial consumer loan, but also the possibility of obtaining funds in favor of an existing loan. In this case, it is worth considering the offers from Citibank. Clients can borrow funds to repay loans at other banking organizations. Moreover, the maximum loan amount is up to 2.5 million rubles. Interest on loans - from 16% to 20%.
To draw up a contract, it is necessary to prepare a statement of income. Also, funds can be obtained not only in cash, but also by issuing a credit card with a limit of up to 600 thousand rubles. In this case, the interest rate is from 23%. However, if you repay the loan within 50 days, then you do not have to overpay.
If a bank client already has a salary card, then he can count on a loan at a lower rate, which will be only 14%.
Raffeisenbank
When determining which loan is the most profitable, do not remove this organization from the list. You can get up to 1 million rubles for a period of 5 years at Raffeisenbank. Moreover, depending on specific lending conditions, the interest rate can range from 12.9% to 15.9%.
Loans are issued to citizens of the Russian Federation who have reached 25 years of age, and to those who are not yet 64 years old. At the same time, it is necessary to confirm that the client has a permanent job in which he has been working for at least 6 months. Salary should be at least 25 thousand rubles.
You can also get a credit card, the limit of which is 600 thousand rubles. In this case, the interest rate per annum will be 29%. For cash withdrawals through an ATM, an additional fee is not charged.
"Alfa Bank"
Speaking about which loan is the most profitable, it is worth considering another famous and well-known organization. Alfa-Bank can arrange a profitable loan in the amount of 50 thousand rubles to 1 million. The interest rate directly depends on the loan repayment period, which can be from 1 to 3 years. Typically, customers pay cash with a commission of 17% to 26% per annum.
To draw up a contract, a client must bring a certificate confirming solvency and the availability of stable work, where a citizen is registered over the past six months. Loans are not issued to people under the age of 21.
What is the best loan at the bank? Of course? card design. The fact is that in this case, interest will not accrue not 50 days, but two times longer. You can get a credit card with a limit of up to 1 million rubles. After 100 days, the interest on the loan will be 24%. Another plus of this program is that the card can be issued to those who are over 18 years old. However, in this case, you still need to confirm the presence of an official place of work.
MTS Bank
The largest mobile operator also offers quite interesting lending conditions. However, only those citizens who are subscribers of this provider for at least 1 month can get a loan.
To apply for a loan of up to 100 thousand rubles, you do not need to provide income certificates, just a passport and a second document confirming the identity of the potential client are enough. A loan can be repaid up to 1 year. The interest rate will be only 15.9%.
However, it should be borne in mind that in this case it will not work to get a loan if the citizen already has debts in other banks.
You can also get a "credit card" with a limit of up to 300 thousand rubles. In this case, interest will not be charged for 51 days. After that, the rate increases to 23%.
Sberbank
Not a single rating of banking organizations can do without it, especially when it comes to which bank has the most favorable mortgage loan. In Sberbank, the rate on it is only 10.75%. However, to get such a favorable loan for the purchase of housing, you must meet certain requirements.
The fact is that only large families with many children with at least 3 children can count on a loan. In this case, the bank is ready to issue customers up to 8 million rubles. Those who do not meet the requirements can apply for a loan. Its size is 15 million rubles.
Also, speaking about which loans at Sberbank are the most profitable, it is worth considering one interesting program. If the client brings the guarantor, then he can get a consumer loan at a reduced interest rate of 12.9%.
Finally
It is worth considering that the lending conditions of any bank may vary depending on the specific situation. Typically, information is provided on the sites for review, therefore, before signing the contract, it is necessary to clarify all the requirements of the bank again. In this case, you can draw up several applications at once. In the event of a refusal, you won’t have to wait a few more weeks for the next consideration of the applications.