Lending has recently been one of the fastest growing sectors of the financial market. Having survived the first wave of the financial crisis, many banking organizations have strengthened and significantly expanded their field of activity. Now do not rack your brains to get a
consumer loan. Russian Agricultural Bank and many other banks of Russia are always ready to provide their services to everyone, but it is distinguished by the presence of several unique programs.
Educational Program
This loan can be used to pay for education, including the second, as well as specialized retraining in higher and secondary specialized commercial educational institutions - both full-time and part-time. In order to obtain such a loan, the Agricultural Bank requires the fulfillment of certain conditions:
- minimum age - 14 years;
- mandatory presence of a guarantee of a legal or natural person;
- parental consent if the borrower is less than 18 years old.
The maximum period for which you can get money under this program is 10 years, and the amount is 350 thousand rubles.
The interest rate is 16 or 17.5% per annum - depending on whether the life of the borrower is insured. The solvency calculation is calculated from the officially registered income of the client, his parents or family members. In addition, certain documents must be brought to the Agricultural Bank. Loans are issued with a valid passport of the Russian Federation, an application form for a loan and income statements for the past six months, certified by the employer from the current official place of work.
Pension program
With this loan, people of advanced age can borrow up to 100 thousand rubles for their needs. Such a program usually runs as a non-targeted consumer loan. The Russian Agricultural Bank issues loans of this kind to any citizen of the Russian Federation who is on state pension provision and has not reached the age of 75 years.
To receive money, you must open a pension account in one of the bank's branches and provide:
- passport;
- pensioner's ID;
- application form;
- surety.
Similarly, you can get from 10 thousand rubles. for up to 5 years at 15% per annum. In the case of life insurance, there is no need for a collateral object or guarantor.
For those who are interested in the amount of overpayment or the calculation of a monthly payment at a particular interest rate, a service such as a loan calculator can be provided. Russian Agricultural Bank is pleased to provide access to this convenient function on the corresponding page of its website. You can also find a convenient online application form here. By filling out and sending it to the bank manager, you can get a positive or negative answer within a few hours. Now you can even get a loan without leaving your home. The Russian Agricultural Bank is always at the peak of modern technology, and is pleased to provide its customers with convenient services for processing, obtaining and repaying loans. In addition to the ability to repay a loan in cash, there are payment options through terminals and online banking, through electronic currencies.