Unfortunately, it is far from always that we have at our disposal sufficient funds in order to acquire what we need. What do people usually do in such cases? They try to get a loan from a trusted bank. But this does not always end happily. In some cases, it is difficult to get approval for a loan. Some banks do not allow them to those who have not yet reached twenty-one years. There can be many obstacles, but the main ones are still extremely unfavorable credit conditions that drive borrowers into new debts. Where can I get a loan without running into problems? Many people who want to get a loan apply to Post Bank and continue their cooperation with him even after the loan has been paid. What so attracts customers in obtaining a loan, a card at the Post Bank? Reviews will help to get an answer to all these questions. So, what is the bank in question? How is the early repayment of the loan in the "Post Bank"? Are most customer reviews positive or negative? What do borrowers not like in cooperation with the bank in question? How difficult is it to take a cash loan at the Post Bank? Customer reviews on this subject will be discussed later in this article. Be careful.
About the bank
Pochta Bank is a fairly young financial and credit institution, which was founded only in January 2016. The creators of the bank are VTB Group and FSUE Russian Post. The services provided by the bank in question are reduced to the following list:
- Opening and maintenance of a savings account.
- Create time deposits.
- Making payments and transfers.
- Internet banking.
- Mobile Bank
- Opening a retirement account.
- Payment cards.
- A variety of service products.
- Credit cards.
- Boxed insurance products.
- A wide variety of loan products.
The possibility of obtaining a loan at the Post Bank (reviews often remind of this) attracts many customers. The bank in question considers its goal to increase the availability of various financial services for citizens of the Russian Federation. Indeed, today only about half of adult citizens of the state actively use banking services. For example, in China in this context we are talking about 70% of the population, and in the countries of the Scandinavian region it exceeds 97%.
The bank is building large-scale development plans for itself. So, in the near future it is planned to open about fifteen thousand individual client centers, which will be located in post offices.
All this will provide the financial institution under consideration with the opportunity to obtain the status of one of the largest banks in the Russian Federation.
Shopping on credit
Taking the opportunity to take a loan at the Post Bank (reviews repeatedly confirm this fact), you can make purchases on credit. Thanks to this, only thirty minutes later, the things you need, for which you currently cannot pay in cash, will become yours.
The conditions of the service in question are as follows:
- The amount of credit that can be provided to you is three hundred thousand rubles.
- The down payment can be varied and ranges from zero to 90%.
- According to reviews, consumer loans of Post Bank of Russia can be repaid in the period from three to thirty-six months.
- Only thirty minutes pass from the moment when you decide on the choice of the desired thing, until the moment of purchase.
To do this, you just need to fill out an application on the official website of the bank.
Shopping is now incredibly easy. First you need to select the product in the store (a list of stores that take part in the program can be found on the official website of the institution in question), and then contact the representative of the Post Bank or the store employee directly with a passport in order to get a loan from "Bank Post". You will be happy to advise and select the most suitable loan program, calculate which monthly payment you will be comfortable paying. Then you will need to fill out a loan application. In half an hour, the desired thing will be yours.
How convenient is it to use a loan at the Post Bank? Reviews say that it is quite comfortable. In many ways, the following additional services contribute to this:
- Auto Extinguish. Your loan will be automatically repaid at any time convenient for you from any bank card that you choose.
- Change in payment date. You can independently change the payment date to the one that is most comfortable for you.
- Payment reduction. Once you can reduce the amount of monthly payments that you have left to pay. Accordingly, the loan term will increase.
How to get a loan
The institution in question offers three diverse loan products:
- Shopping on credit.
- Consumer loan.
- Online shopping.
So, how do you get a loan at Post Bank (St. Petersburg)? Reviews of experts highlight several steps:
- Make an application on the official website of the company, do it by phone or visit the client center in person. You can also invite a bank employee directly to the office of your organization in order to discuss and weigh all the details. He will not only advise you on the available offers, but also provide assistance in properly filling out an application for a loan. To apply, you must have your passport and mobile phone, as well as SNILS and TIN of the employer.
- "First Post". A loan for citizens of the Russian Federation who have reached the age of majority and have registration in the territory of the Russian Federation.
- "Preferential". Designed for retirees who are citizens of the Russian Federation and have permanent registration on the territory of the Russian Federation.
- "Preferential special." Provided for pensioners who receive their pension in the Post Bank.
- Get a solution from the bank according to your request and issue a loan agreement in the client center that is most convenient for you by location. The decision will be made a maximum on the next business day. An SMS message will be sent to your mobile phone stating that the loan has been approved. After that, you can during the week at any convenient time contact the client center where your application was issued. If you did this using the official website of the company, then the preliminary decision in question remains valid for a month.
- Get your loan in cash and make your desired purchases. At the same time, a savings account with a bank card will be issued for you. With it, you can shop around the world and withdraw cash at any ATM. Once you have signed a loan agreement, all your obligations take effect. You can withdraw money both immediately and in parts. It is important to follow all necessary safety measures when using the card.
How to pay a loan
Reviews of Post Bank (SPb) say that there are several ways to pay for a loan. Among them are:
- Payment online. Money will be credited from your card bank account. Enrollment will be made on the next business day.
- Repayment of a loan without commission:
- With the help of ATMs "Post Bank".
- ATMs "VTB 24".
- Using Internet banking or a mobile bank using cards of other banks.
- Auto Extinguish. The next payment will be credited automatically from any card you choose.
- Early repayment. It can be carried out without statements and additional fees.
Thus, as the reviews say, a loan at Post Bank (Omsk) can be incredibly easily repaid. The variety of available methods will allow you to choose your own.
Refinancing
It often happens that it became almost impossible to repay a loan taken from a bank. What to do in this case? The exit is provided by the financial institution in question. So, you can transfer your consumer loans to the Post of Russia bank. Reviews talk about it as a terrific opportunity to improve their financial situation. Monthly payments can be significantly reduced. What conditions does this bank offer? Among them are:
- Interest rate - 14.9% per annum.
- Several disparate loans can be combined into one.
- There are special conditions for serving pensioners.
Refinancing will provide you with the opportunity to significantly improve loan conditions. Now paying it will be much easier.
By refinancing a loan at Pochta Bank (Moscow) (reviews emphasize this opportunity), you get the opportunity:
- reduce the rate on loans that you are forced to pay today;
- choose which monthly payment you could afford to pay under new conditions;
- get some more cash;
- combine in one several different loans and pay them simultaneously on more favorable terms.
You can plan such conditions in advance. The loan calculator, which is available on the official website of the bank in question, will help you with this.
Which bank sets a requirement for new borrowers?
- If we are talking about a pensioner, he must certainly reach retirement age.
- The borrower must be a citizen of the Russian Federation who has permanent registration on its territory.
How can refinancing be formalized? The following algorithm must be followed:
- Apply for a loan. Tell your bank representative about your credit wishes and they will be taken into account. The next business day you will receive an SMS notification with the result of the consideration of your request.
- Conclude a loan agreement. Take with you all the documents on loans that you would like to refinance, and contact the bank branch. Mail Bank will independently pay off your debts in other banks.
- Submit to the banks where you took refinanced loans, applications for early repayment of the loan in full. After that, all your previous debts are considered repaid.
The following services will be provided for free:
- The ability to reduce the monthly payment.
- Ability to change billing dates.
- The issuance of a loan and its maintenance.
- Repayment of a loan at branded ATMs specially designed for this purpose.
- Cash withdrawal at branded ATMs.
Insurance
Protection in unforeseen situations means the payment of certain funds to the insured upon occurrence of an insured event. Such a service is also available for those who took a loan at the Post Bank (Moscow). Reviews, however, share that such insurance is often imposed on customers by force.
What types of insurance and on what conditions are available to bank customers?
- Health insurance.
- Children's doctor (two programs that differ in their cost and conditions). The cost of the policy: two or three thousand rubles. Duration of insurance: one year. A person from the age of one to seventeen may be insured. The total insurance amount is one hundred thousand rubles.
- Take care of your health. The cost of the policy is three thousand rubles. You can insure a person aged eighteen to fifty years, for a period of six months to one year. The total insurance amount is 125 thousand rubles.
- Personal doctor (two programs that differ only in cost and in some terms of the contract). Cost: two or three thousand rubles. The insurance amount is 100 thousand rubles. You can insure a person from eighteen to eighty-five years a year.
- Home insurance.
- Hi, neighbor! (two programs). Cost: two or three thousand rubles. The insurance period is one year. The insurance amount is 300 or 350 thousand rubles.
- Card Insurance.
- Defender of your cards (two programs). The cost is two or three thousand rubles. The term of insurance is only one year. The insurance amount is 80 or 90 thousand rubles.
How can I get an insurance policy for myself or my family members? To do this, you must visit the client center and follow these steps:
- Find the right insurance program for you.
- Make out a policy (a bank employee will help you with this) and make the required amount to pay it.
- Save the policy for the entire period for which it was issued.
Positive customer reviews
Many have already managed to get a loan at the Post Bank. Customer reviews gratefully respond to such a service from the financial institution in question. How comfortable are consumers of a loan product? What do those who issued a loan at the Post Bank say? Reviews highlight the following positive points:
- A large number of branches (you can always find a branch with a suitable location).
- Free registration of applications.
- Incredibly fast processing of applications.
- Friendly and friendly loan experts.
- Nice and comfortable office.
- The smallest possible set of necessary documents.
- Good service.
- The age limit is eighteen years.
- Acceptable and pleasant loan conditions.
Does what you found out motivate you to try to get a loan at the Post Bank? Reviews of a positive nature, however, are not the only things customers tell about the bank in question. So, negative feedback is left no less. We’ll talk more about this later.
Negative customer reviews
Negative feedback on the loan at Post Bank highlights a number of unpleasant moments that relate to the loan product itself and directly to the servicing of bank employees. What exactly upsets customers? So, the following negative points are distinguished:
- Not the most favorable terms of service.
- High loan rates.
- Incorrect information on the proposed financial product.
- Unfair imposition of insurance.
- In order to become a truly worthy brand, it is still necessary to develop.
- Sending SMS messages with spam.
- Incorrect paperwork by bank employees.
- Ignoring customer requests.
- Imposing unnecessary services.
- Illegal threatening calls.
- Regular causeless calls.
- The apparent discrepancy between the conditions of the loan application and the actual conditions under which the loan was issued.
- Huge late fees
Reviews of a cash loan in Mail Bank (Novosibirsk) of this nature make it possible to conclude that you should be careful what you are offered in the institution in question. Be careful! And if you are substantially worried about what was listed above in this paragraph, it may be worth abandoning the idea of using the services of the bank in question.
Contacts
The easiest way to contact bank representatives is to make a phone call to the hotline. Calls to it can be made both from the territory of the Russian Federation, and from abroad. So, with this phone number you will be taken to an automated menu with which you can block your card (both debit and credit); find out the amount lacking in order to fully repay the loan; find out the required amount of payment; find out the address of the nearest bank branch; apply for a consumer loan; find out the current card balance; Get complete information about all available services and products; ask for a connection with the operator.
If for some reason you do not have the opportunity to call the hotline, it is quite possible to order a call back from the bank to your mobile phone. For many, this turns out to be an excellent solution, and they manage to resolve all their questions.
If your problem cannot be solved with a phone call, it might be right to personally visit a bank branch. The addresses of the nearest branches can be found on the official website of the company, and the head office is located in Moscow on Preobrazhenskaya Square, building 8. The head office, as well as a number of individual bank divisions (press service, as well as staff recruitment service) can be contacted separately by dedicated telephone line.
Conclusion
Do you need money to buy household appliances or a loan for education? Reviews of "Post Bank" report that by contacting this financial institution, you will be able to get everything you need in the shortest possible time. In relations with the bank, most of all I want that the interest on the loan was not burdensome. According to credit reviews in the Post Bank, the conditions for obtaining a loan in it are more than attractive. , .
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