Finding a good bank is not easy. An expert financial institution is able to increase money through a deposit and issue a loan on favorable terms. One of the leading banks in Saransk, "Active Bank" has been serving customers since 1990, and at the moment it has practically no competitors in its field, annually occupying the highest places and becoming the winner of industry awards.
About financial institution
The organization began its banking activities in 1990 as a branch of Finist Bank, but after 2.5 years, Active Bank separated and began to work independently. The institution is based on the principle of shares. Initially, the shares were distributed between 14 different enterprises and commercial structures. The bank had such a form of ownership as a limited liability partnership.
When establishing an organization, shareholders intended to direct its assets to lending and support small and medium-sized businesses. These are mainly construction, industrial enterprises, but there are also municipal organizations among them. In recent years, management has also begun to pay considerable attention to working with individuals and lending programs for them.
After expanding the customer base and growing volumes in 1998, a decision was made to change the form of ownership. The bank was reorganized and received the status of a joint stock company.
The head office of Active Bank is located in Saransk at ul. Communist, house 52. In addition, the organization has 18 branches distributed throughout the Republic of Mordovia and three offices in the Ulyanovsk region.
The financial institution works with most well-known electronic payment systems, including Master Card, Visa and Mir. More than a hundred enterprises pay salaries to their employees through Active Bank accounts.
Deposits
More than 80% of the bank's liabilities are deposits of individuals, the organization's dependence on them is estimated as high. Deposits of "Active Bank" are favorable and diverse conditions, each client will find a suitable product for himself.
- The “New Year” contribution is a 3-month program. The minimum deposit amount is 1 thousand rubles, the maximum is not limited. When storing money on the account until the end of the contract, the deposit accrues income of 7.1% of the amount. If the depositor withdraws money ahead of schedule, the interest amount will be 0.1 per annum for the actual storage period. For the second term, this contribution is not prolonged.
- The term of the “Accumulative" deposit is only 31 days, the rate is 2% per annum. Payment of income is carried out after the expiration of the contract. Contribution is allowed to renew an unlimited number of times.
- Money is placed in the bank for 91 days at 5.5% per annum. This is the “Quick Income” deposit in “Asset Bank”. Reviews about the bank position it as one of the most profitable. It is not recommended to close the deposit ahead of time. Otherwise, the borrower will receive only 0.1% per annum of the amount during the actual storage.
- The asset deposit can be re-issued an unlimited number of times. Deposit - from 1 thousand rubles for a period of 121 days at 5.8%. The deposit cannot be replenished until the expiration of the contract.
- Long-term deposits in PJSC "Active Bank" are represented in a variety of ways. One of them is “Maximum Income”. The deposit is placed on the account of a financial institution for 1 year and 1 day. The deposit amount is from 1 thousand rubles, but the account can be replenished during the entire period of the contract. The client has the right to withdraw interest on the deposit after 91 days from the date of conclusion of the contract. The amount of interest is 6.3. A deposit on such terms is “Profitable”, but the annual rate will be 7%.
- The “Pension” deposit does not differ from the previous paragraph in anything but interest, here the rate is 6.8%. It can only be issued by people of retirement age.
- The “Best” product is characterized in that the rate depends on the amount of the initial deposit amount. From 1 to 500 thousand rubles - 6.1%, over 500 and up to 1 million rubles the rate will be 6.3%. If the deposited amount is above 1 million rubles, the annual rate is 6.5%. The period is also 1 year and 1 day. The client can replenish the account in the capitalization process, but the rate will remain the same as that set at the conclusion of the contract.
- There is a deposit for 420 days in AKB "Active Bank". The minimum amount for the contribution is 1 thousand rubles at a percentage of 6.2. The depositor can withdraw his income every 2 months and renew the contract an unlimited number of times.
- When choosing the “Guaranteed income” product, a person puts his funds in the bank for 18 months at a percentage of 5.6 to 5.8. The rate depends on the deposit amount. Once a month, the investor can guaranteed to receive his income.
- The “Maximum” deposit is replenished once upon opening. The term is 1.5 years at 6.5%.
- The “Actual” product is designed for 730 days at 7.4% per annum. The deposit amount starts from 1 thousand rubles, in the process the account can be replenished.
- The “long-term” deposit is designed for 3 years and 1 day at a percentage of 5.7 per annum. Unlimited amount of deposits and prolongations of the contract. The client receives income on a monthly basis.
- "Pension interest" differs from the previous product in the minimum deposit amount, it is 100 rubles.
- All varieties of the Lux product are distinguished by increased initial deposit amounts and rates from 6.25 to 7.74.
Consumer loan
Not so long ago, Active Bank specializes in loans to individuals; previously, mainly companies acted as borrowers.
A consumer loan in a financial institution is issued for a period of 1 month to 7 years. The maximum amount a borrower can count on is up to 3 million rubles. The rate varies between 11-15.5%, it depends on the loan term.
The applicant must provide one of the types of security: the co-borrower, the guarantee of an individual or collateral, the value of which can fully cover monetary obligations.
Mortgage
Mortgage lending is represented by two programs in the bank. Reviews about "Active Bank" indicate an interesting product for which an apartment can be purchased at 6% per annum. This rate applies to those families where a second or third child will be born from January 1, 2018 to December 31, 2022.
The second child is given 3 years from the date of signing the contract, the third - 5 years. Both periods add up. Loan amount - up to 8 million rubles. After the grace period ends, the loan rate is set based on the key rate of the Central Bank.
Also, within the framework of social support, Active Bank offers loans from 300 thousand to 4 million rubles, while the loan amount cannot exceed 80% of the purchase price of housing. Duration - from 3 to 15 years.
Refinancing
Any person would like to be re-credited on more favorable terms. You can refinance a loan in Active Bank at a percentage of 9.5 to 15.55. Possible loan amount - from 300 thousand to 5 million rubles, with an amount above 500 thousand is required to provide a pledge. You can refinance consumer loans and mortgages.
To qualify for loan approval, you must be officially employed and avoid delinquencies over the past 12 months.
Car loans
"Active Bank" provides car loans only for new vehicles. A person with a constant income can buy a car, provided that it is confirmed by a 2-NDFL income statement or in the form of a bank for individual entrepreneurs. Work experience - at least 1 year.
The loan amount is from 100 thousand to 3 million rubles. The interest rate depends on the loan term, starts from 11%.
The purchased car is a guarantee until the full fulfillment of obligations to the creditor.
Credit for VIP clients
Individuals who provide most of the income of a credit institution and form its resources can receive a loan on special conditions. For example, for a client who has a large sum of deposits with Asset Bank, the organization’s management will offer an individual interest rate. The amount of borrowed funds starts from 500 thousand rubles, the limit is set by the bank's board.
If the loan amount is more than 1 million rubles, it is necessary to provide collateral liquid property. For the lender does not matter the age of the VIP borrower and his length of service.
Reviews
Virtually every bank has deficiencies in service or products. Reviews about the "Asset Bank" indicate this. Clients speak of him as an institution that keeps its word. If the mortgage specialist said that the application will be considered within 3 days, it will be so. Among the advantages of the bank, borrowers also note the absence of hidden fees, low interest rates and a wide range of deposit programs.
If we talk about the shortcomings, then this is the isolation of the institution from the network of federal banks. Reviews about "Active Bank" are full of customer dissatisfaction due to the lack of ATMs in the rest of the Russian Federation. Leaving the borders of Mordovia or the Ulyanovsk region, they are forced to withdraw money in advance or do it later with a commission.