Many people have situations in life when they cannot do without a loan. What do they do when such a need arises? Begin to study the proposals of banks with low interest rates on loans. Fortunately, there are a lot of such cases. And it is worth listing them.
Bank Renaissance Credit
An organization with a very telling name. Here are the conditions she offers:
- The rate is from 11.9% to 26.3%. The exact size is determined individually.
- A loan is allowed - up to 700,000 rubles.
- The maximum term is 60 months.
- The age should be from 20 to 70 years for bank customers. For all others, a minimum of 24 years is set.
- Salary - from 12,000 rubles per month for residents of Moscow and from 8,000 for the rest.
- Opportunity to get a loan on the day of applying.
Suppose a person needs half a million rubles. He submits an application and prepares a loan for 36 months. Calculations using the bank's online calculator show that then the monthly payment will be 16,583 rubles. 3a the whole term he will pay his debt and from above 96,988 rubles as a%.
By the way, this is not only a bank with low interest rates on loans and flexible terms, but also a very loyal organization. Indeed, for existing customers, remote registration is available without a visit to the department.
Bank Vostochny
Another organization with customer-friendly offers. Ha at the moment the most relevant is the loan "Seasonal". The conditions are as follows:
- A fixed rate of 12%.
- Possible amounts for a loan - from 25 to 500 thousand rubles.
- Duration - from 13 to 36 months.
- Decision in a quarter of an hour.
A more profitable, affordable option for everyone is a loan secured by real estate. In this case, the conditions are as follows:
- The loan amount is from 300,000 to 30,000,000 rubles.
- Duration - from 13 to 240 months.
- The rate starts from 9.9%, but can reach 26%.
- The decision can be made up to 45 days, but if all the documents are in order, then in 4 days.
It is not surprising that with such proposals, Vostochny is included in many top banks with low interest rates on loans. In addition, you can get a loan secured by a car, with special conditions (for pensioners) and without confirmation of the intended use of finances.
OTP Bank
Turning to this organization, you can quickly get a convenient consumer cash loan. The client is invited to:
- Amount for a loan of up to 1,000,000 rubles.
- The rate is from 11.5%.
- Making a decision in 15 minutes.
B OTP can take on a loan quite a large amount, even a person with an average salary. Bce is easily calculated using the online calculator. If a client’s salary is, for example, 35,000 rubles / month, then a loan of 450,000 rubles for 24 months can be issued to him. The monthly payment will be 21 078 rubles. A can issue and 800,000, but for 60 months. Then every month you will need to give 17 594 rubles.
What is required from the client? Russian citizenship, permanent registration in any region where there is an OTP department, age 21 years and a permanent place of work with a minimum experience of 3 months.
This is a really good bank with low interest rates on loans, but you need to remember that everything is calculated individually and depends on the client’s salary, loan amount and term.
Sberbank
This organization does not need an additional introduction. In this bank, a consumer loan with a low interest rate is quite realistic. The most popular offer is an unsecured loan. His conditions are as follows:
- The rate is 12.9%. Now, by the way, the New Year’s campaign is taking place - the indicator has been reduced to 12.5%.
- The maximum amount is up to three million rubles.
- The term is up to five years.
- The application is considered within two business days.
- There are special conditions for customers receiving a salary on a Sberbank card.
- You can apply online.
According to the online calculator, everyone will calculate the amount that he can issue as a loan. A person with a salary of 40,000 rubles, for example, has the right to take a loan of 925,000 rubles for 5 years. Moreover, the monthly payment will be about 21,000. At the end of the term he will give the bank about 1,260,000 rubles.
"Alfa Bank"
You can also contact this organization if you are interested in flexible terms and a low interest rate on a loan. The bank offers loans for the following amounts:
- From 700 001 to 1 000 000 rubles. The rate is 11.99-22.49%.
- From 250 001 to 700 000 rubles. The rate is 14.99-22.49%.
- From 50,000 to 250,000 rubles. The rate is 16.99-24.99%.
What are the deadlines? From one to five years. If, for example, a person has a salary of 40,000 rubles, then he can count on a loan in the amount of 500,000 rubles for 36 months. The monthly payment will be about 17,500-19,350 rubles. The exact figure depends on individual conditions. A will need to produce only four documents: passport, certificate 2-personal income tax and two more to choose from.
Raiffeisenbank
When listing banks with low interest rates on cash loans, this organization should also be noted. The most popular tariff offered to customers is called “Personal”. Offered:
- Loan term from 1 to 5 years.
- The rate is 11.99%.
- The minimum number of monthly payments is 12. The maximum is 60.
- The minimum loan amount is 90,000 rubles.
- The maximum is two million.
For salary clients, simplified conditions apply. They are subject to less stringent requirements regarding length of service (from 3 months), and the minimum package of documents is only a passport and application form.
Russian Agricultural Bank
Another notorious financial institution. There are many offers:
- Consumer loan without collateral. The rate starts from 10%. Without collateral and guarantors both for the bank's customers and for the first time applicants. With collateral, the rate is the same, but the conditions compare favorably.
- Pension loan. The rate is from 11.5%. A loan for any purpose for all pensioners with an appropriate certificate and under the age of 75 years.
- Inappropriate loan secured by real estate. Ha any purpose. The rate is from 12.5%.
- Consumer refinancing loan. The rate is from 11.5%.
- Special loans. For members of the Union of Gardeners of Russia LLC rates from 6.75%. For a loan, the funds from which will be used to pay for utilities - from 13.5%. For gardeners - from 13.25%.
And this is just a small list of the proposed tariffs. There are many individual and general proposals - everyone can get acquainted with them if desired.
Loans in Chelyabinsk
For example, it is worth telling how things are with profitable loans in specific cities. Let's say in Chelyabinsk. Banks issue loans with a low interest rate, and these are exactly what:
- Chelyabinvestbank. Favorable offers for pensioners - from 10.5%. Amounts - up to 1,000,000 rubles. Dates - up to 36 months.
- Forshtadt. From 10.5%. Amounts are negotiated individually. The maximum term is 2 years.
- Bystrobank. From 11.5%. Amounts - up to 300,000 rubles. Dates - up to 60 months.
- "Ural Bank for Reconstruction and Development". Offer - from 15%. Amounts - up to 1,000,000 rubles. Dates - up to 84 months.
- Promsvyazbank. To state employees and civil servants. Supply - from 11.9%. Amounts - up to 1,500,000 rubles. The term is up to 84 months.
- "SKB-Bank". Customers without current delays. Supply - from 11.9%. Amounts - up to 1,300,000 rubles. The term is up to 60 months.
- Tinkoff Any borrower. Without information or guarantors. Supply - from 12.9%. Amounts - up to 300,000 rubles. Dates are individual.
- Rosbank. Any borrower with proof of income. Offer - from 13%. Amounts - up to two million. Dates - up to 60 months.
- "VUZ-Bank". The offer - from 17%. Amounts - up to 300,000 rubles. Dates - up to 60 months.
Well, as you can see, there are a variety of proposals. But the fact is that it is quite possible to find banks with a low interest rate on loans, both providing small and large amounts.
And if you have a good credit history, convincing stable income, no delinquency and existing debts, getting approval for a profitable loan will not be difficult.