Unfortunately, the economic situation in our country has long been poor. Every person has needs. But far from always there are means to satisfy them. Therefore, many people decide to apply for a loan. However, this is a serious decision. So people have to carefully look for a financial institution offering the most favorable loan terms. Only after comparing several options does it become clear which bank is best to take a loan from.
Clear leader
In the first place of the rating, of course, is Sberbank. Which is not surprising. After all, it is the largest and most “age-old” bank in Russia, most of whose shares (52%) belong to the Central Bank of the Russian Federation.
This financial institution offers several types of loans. Take, for example, consumer. In Sberbank it can be issued even without collateral. The maximum amount is 1,500,000 rubles, the rate is from 16.9%, and the term can reach five years.
More favorable conditions are offered to people for whom an individual can vouch. Then the possible loan amount rises to 3,000,000 rubles, and the interest rate starts at 13.9%. Only the term is unchanged.
Many people, wondering in which bank it is better to take a loan, like to make preliminary calculations so that the potential benefit can also be seen. Well, you can give an example. A person with an income of 60,000 rubles a month, receiving a salary on a Sberbank card, has the opportunity to take about 640,000 rubles for two years. For him, the interest rate will be 13.9% per annum. Each month, it will be necessary to give about 30,550 rubles, and the amount of the overpayment as a result will be 95,000 rubles.
"VTB 24"
Talking about which bank is better to take a loan, one cannot help but mention VTB-24. Indeed, in the ratings this organization takes the second place.
VTB-24 offers several types of consumer loans. “Large” - from 400,000 to 3,000,000 rubles, for a period of 37-60 months, with a rate of 15.9-17.9% per annum. "Fast" - from 100 t. up to 3 million. The period in which you have to meet, paying the debt, is from 6 to 36 months. And the last view is a “Convenient” loan. On it you can take the amount of 100 tons. up to 399 999 p. The term is from 37 to 60 months, the rate is 16.9 - 25%.
By the way, many people, wondering in which bank it is better to take a mortgage loan, get advice to contact VTB-24. This organization has really excellent conditions. Suppose a person wants to buy a 1-room apartment for 4,000,000 rubles. An initial contribution of 1,200,000 will be required. The amount for people who want to buy such housing is usually a lift. In this case, VTB-24 offers a mortgage for 10 years. If a person receives about 65,000 rubles a month, then for him the rate will be only 11.4% per annum. And you will need to pay 39,000 rubles / m.
Russian Agricultural Bank
This financial institution is in third place in the ranking. Many, having studied in detail the question of which bank is better to take a loan from, make a choice in favor of Rosselkhoz. This solution is especially beneficial for those people who participate in the “payroll project” program of this organization. For them, the interest on a consumer loan without a guarantee starts at 15.5% per annum. If a person wants to take 750,000 rubles (this is the maximum amount) for 36 months, with a monthly income of 60,000 rubles, then he will have to give only 26,000 rubles / m, at a rate of 16.9% per annum. It is not surprising that many people choose Rosselkhoz if they have a question regarding which bank is better to take a loan from.
In addition, there are favorable offers on a mortgage. For housing in Tsaritsyno residential complex, for example, a minimum annual rate of 7.5% has been set. And there is a military mortgage, loans for the purchase of real estate with state support and many other offers. You can even get a home loan on two documents! Only for this you have to make a down payment of 40%. The ability of a person to immediately give such an amount is an oral confirmation of his income. If he wants, say, to take 1 000 000 rubles for 36 months, then for him the rate will be 14.4% per annum. Only monthly income should be 60 tons Because every 30 days you will have to give 40 tons. as a payment.
"Alfa Bank"
In many ratings, which clearly demonstrate which bank is better to take a cash loan, this organization is included in the top three. The conditions are favorable. The maximum amount is 2,000,000 rubles. The term is from one year to five years. There are no commissions, and guarantors are optional, the annual rate starts at 13.99%, and the decision on extradition is made during the day. And early repayment is possible, which can be agreed upon even by telephone.
Also, salary clients of this organization are offered good mortgage conditions. If a person wants to buy an apartment in the secondary market, then they can be given funds for 5–25 years with an initial payment of 30% and execution of only one document. The rate will be 17.3% per annum. If you want to buy a house, you will have to pay 40% of the total.
Gazprombank
Many people claim that it is better to make a choice in favor of this organization, since the question has already arisen regarding which bank is better to take a loan from. Many call it one of the best.
If you arrange a loan for up to a year, the rate will be 13% with security and 14% - without it. Do you need a loan for a longer period? If it varies from a year to three years, the annual rate will increase to 13.5% with collateral and up to 14.5%, if there is none. And for a loan for a period of 36-60 months will have to pay 14% and 15%, respectively. By the way, for Gazprombank customers the rate is lower by 0.5%.
OTP
This organization is also not in last place in the rating of audited financial organizations. Moreover, many advise it, if a person is interested in which bank is better to take a consumer loan.
OTP loans are issued in cash and for any purpose. Suppose a person needs to occupy 500,000 tons. for a period of 24 months. He may be offered a rate of 14.9% per annum and a monthly payment of 24,220 rubles.
Mortgages in OTP are also profitable, especially for “their” clients. The maximum term is 30 years. Rates from 11.2% are set for mortgages with state support. For new buildings - from 12%, as well as for finished housing.
By the way, many companies cooperate with OTP, when buying in the centers of which you can arrange an installment plan or a loan. These are DNS, Svyaznoy, Euroset, Media Markt, Techno-Force, MegaFon, 585, Elena Furs and many other popular brands.
BinBank
This is also a fairly well-known commercial financial organization. Many often advise you to go there if you are interested in which bank is better to take a loan.
The minimum amount is 100,000 tons, the maximum is a million. Dates can vary from 24 to 84 months. The rate starts at 16.5%, and the decision on extradition is made in three business days.
If a person is a client of BinBank, then they can be given 1,000,000 rubles at 16.5% per annum, while the monthly payment will be 26 tons.
A mortgage can also be issued here. The minimum annual rate is 11.25%, the term is 5-25 years. The down payment should be 15%. The maximum loan amount is not limited, but at least 600 t. (Moscow) and 300 t. (other regions). The decision is made within five days. By the way, a partial reduction in the loan, the size of the payment, or early repayment is still possible.
Ugra
This is a joint-stock commercial organization. Talking about which bank is better to take a loan from (the list of names, as you could already understand, is very wide), one cannot fail to note the attention of Ugra. He gives four types of consumer loans. There are "Friendly", "For any purpose", "Loyal" and "Pension". The peculiarity of this bank is that there are no universal conditions - here, for each client, an offer is individually selected, in accordance with its income and capabilities. So for registration, you must first fill out an application.
The same goes for mortgages. But there are some standards. The down payment should be 20% of the total amount. The mortgage term is from three to thirty years. The minimum amount is 300,000 rubles, the maximum is 10,000,000 rubles.
Avtotorgbank
This limited liability company is also worth noting attention, talking about which bank is better to take a loan. The rating mainly shows the popular names of financial institutions. Few have heard about Avtotorgbank. But he offers favorable conditions for car loans.
This organization has many partners, including well-known foreign manufacturers. The car gives out money on a car loan in euros, dollars and rubles. The minimum amount is 300,000 rubles, the maximum is 5 million. The term can vary from 6 to 60 months. The down payment must be at least 20% of the cost of the machine. A pledge is not required, since it becomes the purchased car (it will be necessary to transfer the TCP for storage to the bank).
If a person takes an amount for a period of 6 to 12 months, then the annual rate will be 18%. From 13 to 36 - 19%. And from 37 to 60 - 19.5%, respectively. Many take a loan in euros or dollars, because in any case, no matter what the term the client chooses, the rate will be 15%. But in this case, too, there is a risk, and it lies in the unpredictable exchange rate.
Sovcombank
This organization is also worth noting attention, talking about which bank is better to take a loan. Reviews about her are mostly positive. After all, Sovcombank makes profitable offers to its customers. True, the services of this organization are suitable for those people who need small amounts. So, for example, 100,000 rubles in a bank can be issued at 12% per annum. Requirements for borrowers are low - citizenship of the Russian Federation, age from 20 to 85 years, 4-month experience at the last workplace and permanent registration in the region (also at least 120 days).
There is a consumer loan “Standard” with a maximum amount of 200,000 rubles, “Super Plus” (600,000 rubles), “Pension”, “Express” and even the so-called “For Responsible” loan, provided upon presentation of a passport and a diploma of higher education .
What do customers say?
Finally, we can talk a bit about what kind of feedback about the work of banks is left by people who have used their services.
Comments are different. The previously mentioned Sberbank, for example, receives both negative and positive reviews. The fact is that this organization makes too high demands on potential borrowers. And to get a loan at favorable small interest rates can only be the person who, due to the amount of money earned by him, is unlikely to ever feel the need to take a loan. So, for example, in the description of the service it is stated that the maximum amount is 3,000,000 rubles (with a guarantor). But even two and a half million can be issued for 60 months only to a person with experience of several years and a salary of 150,000 rubles / month. But this is disadvantageous, since the annual rate will be 14.9%, and the total amount of overpayment - 1,130,000 p. So the rates are controversial.
Customers make other claims to VTB-24. In terms of rates and services, everything is in good faith - as in the description, but too long a wait. The application can be considered for more than one or even two weeks. Therefore, if it was decided to take a loan at VTB-24, it is better to get it done earlier. The same applies to Rosselkhozbank. And the likelihood of obtaining a loan for a large amount and at favorable interest increases if a person has a pledge in the form of expensive property. So assure the people who issued the loan at the Rosselkhozbank.
And a few words about OTP bank . This organization, as its clients say, is confidently on its feet and pleases with good interest rates. Even people who have taken a loan regularly receive reminders from the bank about paying off the debt. Someone doesn’t like it, but this is done so that a person does not forget - for convenience.
In general, in Russia there are a lot of good banks. And the decision to take a loan is a serious and responsible step. So to make a choice in favor of this or that organization you need only to think carefully and familiarize yourself with the conditions of all verified banks.