Target cash loan Russian standard bank. Russian standard online application for a cash loan by passport

Every person sometimes has to make expensive purchases or incur other large expenses. But not everyone can save a large amount on their own. The solution to the problem can be a cash loan at Russian Standard Bank. It allows you to get a loan of up to 2 million rubles right on the day of application. But before you start applying for a loan, you should study its conditions in detail and familiarize yourself with possible pitfalls. This will allow you to use credit funds with maximum benefit and minimum overpayment.

Russian Standard provides unsecured consumer loans. The absence of the need for a pledge or guarantee makes the product more accessible and increases the speed of decision making. The loan term can be 1-5 years. Under standard conditions, the bank is ready to provide a loan in the amount of 30 to 500 thousand rubles. If the client is an employee of an organization that has concluded an acquiring agreement or an agreement on the organization of cashless payments with RS, then the maximum credit limit for him may be increased to 2 million rubles.

The basic program rate is 19.9-28%. But for clients classified as reliable, it can be reduced to 15%. There are no fees for service, issuance, etc. Insurance protection is connected at the request of the borrower. This is a paid service and you can refuse it without changing the terms of the loan. But if the insurance contract is not concluded, then the borrower (or his heirs) will have to repay the debt and interest in any even the most unfavorable situation.

Credit card Russian standard Platinum

Credit limit:

300 000 rub.

Grace period:

55 days

from 21.9%

from 21 to 65 years old

Consideration:

Service:

499 rubles

The issuance of money is carried out by crediting them to a card or account. At the same time, no commission will be charged for cash withdrawals and the loan rate in this case will not change. Additionally, the client may be offered to connect various additional services (notifications via SMS, informing by e-mail, payment date selection, etc.). They can be provided for a fee, but they can be waived before the conclusion of the contract. Lending conditions in case of refusal from paid services are not revised.

Example and calculation

It is very important for the client to correctly calculate their financial capabilities in order to avoid delays in repaying debts and the negative consequences associated with them. For the convenience of potential borrowers, a loan calculator is posted on the Russian Standard website. It allows you to calculate the approximate amount of the monthly payment before applying. But keep in mind that this calculation is preliminary. The final amount of contributions and overpayments can be found out only after the scoring and approval of the application.

Example. When applying for a loan of 500 thousand rubles. for a period of 4 years, it will need to be paid monthly for approximately 16301 rubles.

Minimum Rate Guarantee Service

Paid options for rate reduction in Russian Standard are not offered. But the financial institution has developed a special program for reliable clients. According to it, you can get a loan for 500 thousand rubles with a period of 1 year. The rate in this case will be 15% per annum. No fee is charged for the use of special conditions, but the decision on their application is made by the bank independently.

Financial Protection Program

The bank offers 2 insurance options. Standard life and health insurance provides for the repayment of debt by the insurer upon the death of the borrower or disability. Additionally, you can connect financial protection. It provides for assistance to the insurance company in case of problems with the payment of debt due to involuntary loss of work (for example, during the liquidation of an enterprise or reduction).

Credit limit:

from 30,000 to 2,000,000 rubles.

5 years

from 19.9%

from 23 to 70 years old

Consideration:

Any insurance services are issued exclusively at will. Waiving them does not lead to a change in rates or other approved parameters of the contract and does not require a review of the decision on the application. You can turn off insurance before signing the loan document, then it will be very problematic or even impossible to do so.

Requirements for the borrower

Russian Standard is well known for its loyal attitude towards borrowers. Consumer cash loans in it are available to all citizens of the Russian Federation aged 23 to 70, subject to permanent registration in any locality of the country. There are no additional mandatory requirements (including work experience). But the decision on each application is made individually, taking into account many factors.

What to look out for

When applying for a loan, there are no trifles. All documents must be carefully examined before signing them. This will avoid unpleasant situations and conflicts in the future.

Consider what you should pay special attention to:

• Approved loan terms. They may differ significantly from those requested in the application and indicated in the advertisement. For each application, the credit institution not only checks the borrower's integrity, but also calculates the level of its own risks. Quite often, a loan is approved, but with changed conditions for the term, rate or amount.
• Connected additional services and insurance. Most options are available for a fee, but only with the consent of the borrower. It is expressed by affixing appropriate marks in the questionnaire, the contract and its annexes. If any additional services are not required, then you need to check the refusal of them in the documents. But when refusing insurance, it is necessary to take into account all the risks that arise.
• A responsibility. The absence of a guarantee and collateral does not mean that the borrower is not responsible for the fulfillment of loan obligations. For each day of delay, he will be charged interest in the amount of 20% per annum. This can lead to an increase in the cost of borrowed money. Also, the creditor can collect the debt in various ways, including through the courts.
• Early repayment. It is permissible without charging a commission, but a certain procedure must be followed during the operation. In particular, it is necessary to submit a relevant notification to the credit institution in advance using one of the provided methods.

How to get a

Russian Standard has been specializing in providing consumer loans for many years. This allowed the financial institution to work out well the procedure for issuing loans, making it as simple and transparent as possible for the client. To start registration, it is advisable to apply on the official website of the RS. This step is optional, but it allows you to significantly reduce the time when you apply to the office for a loan and find out individual conditions without leaving your home or work.

After receiving a personal offer, it remains to follow 3 steps to receive money:

• Visit the Russian Standard office and submit all the necessary documents to the manager
• Wait for final loan approval
• To sign documents

Credit limit:

from 30,000 to 2,000,000 rubles.

5 years

from 19.9%

from 23 to 70 years old

Consideration:

Online application

An electronic application allows you to pass scoring without a visit to a branch of a credit institution and immediately receive preliminary approval and approximate lending conditions. You can submit it on the RS website by filling out a special form. It will require you to provide the following information:

• Personal data. On the same page, you must specify data on the approximate monthly income, as well as the desired loan parameters.
• Passport data. In addition to information about an identity document, at this step you need to fill in the address of registration and residence, as well as select a convenient city and office for obtaining a loan.
• Contact Information. At this step, the system will also ask for consent to conclude an insurance contract and connect SMS notifications. If the options are not required, then it is better to refuse them right here.
• Additional information. On this page, you must specify information about the employer, position, marital status, an additional document to confirm your identity, etc.

How much to wait

A preliminary decision and an individual offer are received literally within 15 minutes after sending an electronic application. During this time, it is automatically processed by scoring systems and, if necessary, manually checked by the manager. The final decision will be made only after the submission of all necessary documents to the department.

It usually arrives no later than the next business day. Funds can be received immediately after signing the contract. They will be credited to the account in just a few minutes. If there is not enough cash at the cash desk at the moment, then they will have to be ordered the next day. But such situations are quite rare.

Cash loan at Alfa-Bank

Credit limit:

from 50,000 to 5,000,000 rubles.

7 years

from 7.7%

from 21 to 70 years old

Consideration:

Cash loan at Tinkoff bank

Credit limit:

from 50,000 to 2,000,000 rubles.

3 years

from 12%

from 18 to 70 years old

Consideration:

Cash loan at Renaissance Credit

Credit limit:

from 30,000 to 700,000 rubles.

5 years

from 10.5%

from 24 to 70 years old

Consideration:

Cash loan at Home Credit bank

Credit limit:

from 10,000 to 1,000,000 rubles.

7 years

from 7.5%

from 22 to 70 years

Consideration:

Cash loan at Vostochny bank

Credit limit:

from 25,000 to 3,000,000 rubles.

5 years

from 9.9%

from 21 to 76 years old

Consideration:

Documentation

If a loan is issued under standard conditions in the amount of up to 500 thousand rubles, then to obtain it, it will be enough to present a passport and one of the additional documents to the department (for example, SNILS or a driver's license). When requesting a loan under the program for reliable clients or for employees of partner companies in the amount of 500 thousand rubles. or more additional proof of income will be required.

You can do this with the help of the following documents:

• certificate 2-NDFL
• personal account statement from the FIU
• extract / certificate of ownership of real estate

Sole proprietors can prove their income through tax returns. In some cases, employees of a financial institution may request additional documents from the client in order to make a decision on the application.

Cash loan in OTP Bank

Credit limit:

from 15,000 to 10,000,000 rubles.

10 years

from 10.5%

from 21 to 67 years old

Consideration:

Cash loan at Sovcombank

Credit limit:

from 200,000 to 1,000,000 rubles.

5 years

from 17.9%

from 20 to 85 years

Consideration:

Cash loan at SKB bank

Credit limit:

from 51,000 to 1,500,000 rubles.

5 years

from 9.9%

from 23 to 70 years old

Consideration:

Cash loan in Rosbank

Credit limit:

from 50,000 to 3,000,000 rubles.

5 years

from 13.5%

from 23 to 70 years old

Consideration:

Cash loan at UBRD

Credit limit:

from 50,000 to 1,500,000 rubles.

7 years

from 7.9%

from 19 to 75 years old

Consideration:

How to find out the date and amount of payment

Upon receipt of a loan, a copy of the documents is issued to the client. Among them there is also a payment schedule. It contains information about the amounts of each payment and the dates of its debiting. It is recommended to make a payment in advance to avoid technical delays and penalties due to a transfer delay.

If there is no schedule at hand, then you can get information about the date, amount of the upcoming payment and details for crediting it in one of the following ways:

• Calling the call center. It works around the clock, and you can call it at 8-800-200-31-13.
• In the office of Russian Standard. They are available in almost all major cities. You can find the opening hours and the address of the nearest branch on the bank's website.
• With an online service. All borrowers are given the opportunity to use the Internet bank and the smartphone application free of charge.
• From SMS. If the SMS-informing option is active, a reminder with data on it will be sent 10 days before the upcoming payment.

Debt repayment methods

You can repay the debt without commission in cash at ATMs or terminals, as well as by transfer from any Russian Standard card (account) in the smartphone application or Internet banking. In this case, funds will be credited before the end of the current day, and in most cases - instantly. When depositing cash through the cash desks, there will also be no commission, but they will be credited only the next day.

For the convenience of borrowers, alternative methods of debt repayment are also available:

• Transfer from another bank. Funds can go up to 3 business days, and the amount of the commission is set by the sender.
• Postal transfer. Money will be credited within 3 days. The commission will be 1.5%, but not less than 40 rubles.
• In terminals or through Eleksnet online wallet. The commission for the operation will be from 0.9%, but not less than 20-50 rubles. The transfer of funds takes 1-3 days.

What happens if you don't pay

Late payment is a breach of contract. For this, the borrower will have to bear financial responsibility. For each day of delay, a penalty will be charged on the amount owed. Its size is determined based on the rate of 20%. Overdue debt also negatively affects credit history and makes it much more difficult to obtain new loans even in other banks.

Usually, the customer will be informed about the resulting delay by SMS or a phone call by employees of the problem debt service. If the debt is not repaid in the shortest possible time, then collectors and specialists from the collection department can connect to work with it. A credit institution in this situation may terminate the agreement and demand the immediate payment of the entire debt, interest and penalties on it.

The current legislation and the agreement allow the bank to also go to court and collect the debt through bailiffs on the basis of a court decision. In this case, enforcement proceedings are initiated against the debtor, and the FSSP employees have the right to apply the following measures of influence to him:

• Arrest of accounts/cards and write-off of funds from them to pay off the debt (including from the incoming salary)
• Imposing a ban on leaving Russia
• Arrest of property, as well as its withdrawal and sale from auction to pay off debt

Early repayment

The Bank allows early repayment of the debt in whole or in part. In accordance with the law, no commissions are taken for this operation, and the interest payable is recalculated. The client must be sure to notify the credit institution of the desire to repay the debt ahead of schedule. There is only one way to do this - to apply in person at the office. Notice of early repayment is accepted at least 30 days before the date of the transaction indicated in it.

Early repayment is carried out only on the date of the monthly payment. If on the date specified in the application there are not enough funds on the account for early repayment, the application will be automatically canceled. After the partial early repayment, a new debt repayment schedule is formed. It can be obtained at a branch of a financial institution or through online self-service services. In case of full early repayment of the debt, it is desirable to obtain a certificate of fulfillment of all obligations at the office.

Reasons for rejection

The decision on the application is made by the bank individually. In this case, the main checks are carried out by automated scoring systems, and only in some situations the final approval occurs by security officers. After analyzing the application, the financial institution may refuse to issue a loan.

At the same time, its employees are not required to explain why the negative decision was made. But the list of the most common reasons for rejection is well known:

• Delays of more than 5-10 days on other loans (including those repaid in other credit organizations), as well as other negative information in the credit history.
• Insufficient income of the borrower or a large number of active loans at present.
• Large arrears in fines, taxes, alimony, or court orders collected by the FSSP.
• Inaccurate information in the questionnaire, application or the presence of doubts about the authenticity of the submitted documents.
• Non-compliance of the borrower with minimum requirements (for example, lack of permanent registration).

Advantages

It's easy to get. This does not require proof of income and does not require collateral. This product also has the following benefits:

• A fairly large maximum amount, which is enough for almost any large purchase.
• No need to specify the purpose of obtaining and the ability to spend borrowed funds on any goods or services.
• The ability to receive the required amount very quickly - within 1 day.
• Optional conclusion of an insurance contract and the purchase of additional services for the approval of the application.

Flaws

The main disadvantage of cash loans from Russian Standard is rather high rates. Especially they will be high for new borrowers. This directly affects the overall overpayment. And also among the minuses of the product include the following:

• The need to apply to the office for early repayment at least 30 days in advance.
• Availability of the minimum rate only for reliable bank customers when obtaining a loan on strictly agreed terms (amount - 500 thousand rubles, term - 1 year).
• Paid informing by SMS, although you can refuse it.

In 2020, Russian Standard Bank offers Moscow residents two areas of consumer lending: for goods in a network of partner stores and in cash for any purpose. For a cash loan, the interest rate is calculated individually. The client can use additional services that make it possible to be served with comfort. For example, choose a convenient loan repayment date.

Maxim Demchenko

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The bank offers borrowers loans for consumer needs without collateral. Individuals can receive money for any purpose or payment for purchases in partner stores. It is convenient to manage Russian Standard loans through an Internet bank or a mobile application. For timely payments made, the bank accrues bonus points.

Russian Standard Bank offers customers two types of loans: for purchases in stores and in cash at the bank's offices. Applications made in the store are considered within 15 minutes. Standard credit is issued within a day.

All Russian Standard loans are easy to repay. You can choose the date of payment yourself, and there are Internet services to control repayment and make payments.

Cash loan

For this product, the lender issues money for purchases in stores and online stores.

Lending terms

A credit institution issues loans in rubles for up to 5 years. If you prepare the documents correctly, Russian Standard makes a decision on issuing a loan within one day. Collateral and guarantee are not required when obtaining a loan.

General terms

When making a purchase in a store, the maximum loan amount is 300,000 rubles. At the bank office you can get up to 2 million rubles. in cash. The available credit limit is calculated depending on the solvency of the borrower.

The interest rate on a loan is calculated individually. The minimum rate on the "Cash Loan" is 15% per annum. A target loan for a purchase in a store can be issued at a rate of 8.14%.

Features of the loan

Favorable conditions are provided for customers with a positive credit history. Loans up to 500,000 rubles. credit institution issues at a preferential rate. If the borrower provides a document confirming retirement, then he can count on a reduced interest.

Russian Standard pays bonus fees to reliable borrowers. 500 bonuses are charged for applying for a loan, and for each of the first 5 payments, you can get 100 bonuses. The accumulated bonuses can be spent at the bank's partners, including household appliances stores, travel agencies, and airlines.

Requirements for the borrower

Russian Standard Bank limits the age of borrowers and requires them to meet certain criteria. To apply for a loan, you must have official employment and registration in Russia.

Primary requirements:

• age from 23 to 70 years;
• citizenship of the Russian Federation;
• permanent registration on the territory of the Russian Federation;
• official place of work;
• category of the borrower - pensioner, working;
• having a landline phone.

Required documents

Russian Standard Bank requires the borrower to confirm its status. Be sure to verify your identity. Usually a passport is enough for this, but a bank employee may ask for a second document.

Mandatory:

1. Passport of a citizen of the Russian Federation.
2. The second document: passport, SNILS, driver's license, real estate documents.

Additional:

1. Bank statement of income.
2. Certificate of income 2-NDFL.
3. Tax return.

To get better loan terms, it is recommended to verify income and employment. If you need to apply for a loan in the amount of more than 500,000 rubles, then it is mandatory to provide documents from the additional list. Other documents may be requested by Russian Standard in exceptional cases, if it is necessary to confirm additional income.

Design methods

A loan in Russian Standard can be issued in several ways. "Cash loan" is convenient to issue on the website or at the bank's office. Target loans for purchases can be issued in partner stores.

Through the Internet

To apply online, you need to go to the product page on the official website of the bank and click on the "Apply a loan" button. The opened form must be filled out and sent to the bank.

Russian Standard will consider the application within 24 hours. A bank employee will call by phone and inform you of the decision. After the preliminary approval of the loan, it is necessary to confirm the information of the questionnaire with a package of documents.

In the office

You can apply for a loan at the nearest Russian Standard branch. This method is convenient in that you can get detailed advice and immediately submit documents for a loan application. A bank employee will help you fill out the questionnaire correctly and inform you of a preliminary decision.

To find a convenient office of a credit institution, you need to open the "Offices and ATMs" tab. If you specify your city, the service will compile a list of suitable options and their location on the map.

In the shop

Target credit of the Russian Standard can be issued in a partner store. The list of such organizations is on the official website of the bank. After submitting the application, the credit institution will make a decision within 15 minutes. After the approval of the loan, it is enough to sign a loan agreement and you can immediately receive a purchase.

In the online store

A loan can be obtained when making a purchase in a partner online store. After submitting the application, a Russian Standard employee will call to confirm the application. He will also inform the decision of the credit institution. After the approval of the application for a loan, the purchase will be brought by the delivery service of the online store.

How to get

Russian Standard Bank issues a loan by transferring the amount:

• to the borrower's bank account;
• at the expense of the organization.

The borrower can withdraw cash from the account after crediting. The bank transfers a credit to pay for purchases to the store's current account.

Repayment methods

You can repay a loan at Russian Standard Bank in cash and non-cash methods. Payment options differ in terms and commission.

No commission

With commission

The borrower can use any convenient way. However, when choosing, it is necessary to take into account the enrollment period in order to prevent delays.

Insurance

This service protects the borrower and his relatives from having to repay a loan in a difficult life situation. The insurance program may include protection against job loss or disability, death. In the event of an insured event, the loan will be repaid by the insurance company. The client can choose the insurance company himself.

The Bank offers individuals two types of consumer loans. In Russian Standard, you can get a cash loan or a loan for purchases in stores. Money to pay for goods can be obtained at a low interest rate. A credit institution issues loans to its customers on preferential terms.

Many customers (both regular and potential) talk about Russian Standard Bank. Some know about a financial institution by credit cards, others by loans that can be obtained in stores to purchase goods.

Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and IS FREE!

But today we want to talk about consumer lending, where the interest rate is slightly higher than for car loans, mortgages (purpose lending), but significantly lower than for credit cards.

Lending terms

A consumer loan at Russian Standard Bank is offered to borrowers on the following terms:

• throughout the entire period, the bank undertakes not to change interest rates, commission fees, loan terms;
• the bank offers several consumer lending programs: "Cash loan on super terms -10%", "Cash loan -19%", "Loans in online stores", "Loans for goods in stores".

Each loan program differs in tariffs, maximum amount, terms of receipt. The loan is provided to citizens who are over 25 years old.

You can download a complete list of information for borrowers on consumer loans provided in accordance with the conditions for loans at.

The term for consideration of the decision, for example, for the loan “Credit for goods in stores” is 15 minutes, the maximum amount is 1,000,000 rubles.

Application

If you decide to apply for a loan in this financial institution, then the first thing to do is fill out a questionnaire - an online application for a consumer loan.

Russian Standard Bank will give a preliminary answer within a few minutes.

Documentation

Russian Standard will issue a consumer loan if the borrower provides the following package of documents:

• the passport;
• application form.

The bank will also require one of the following documents:

Income certificate (form 2-NDFL), the form of which can be downloaded at. Or other documents confirming the client's income;

International passport;
pensioner's ID;
health insurance policy.

Interest rates

As noted above, interest rates depend on the loan program, as well as the loan amount:

Before signing the agreement, pay attention to the non-standard commission that is charged for issuing a loan:

Obtaining and servicing a loan

You can apply for a loan through Internet banking or fill it out directly by visiting a bank branch.

The application is considered from 15 minutes to one day. If the decision is positive, the bank manager will call the borrower back and offer to visit the nearest branch to apply for a loan.

The client must have the entire package of documents with him. The bank signs an agreement with the borrower and provides the agreed amount. All that the client needs is to pay monthly payments on time.

Did you know that there are credit cards with a grace period for cash withdrawals? Want to know more? Walk on .

Everyone can take a consumer loan, but, unfortunately, not everyone knows what it is. If you do not know what a consumer loan is, then you need to read on our website.

Russian Standard - consumer credit

Russian Standard offers its customers loans for goods in stores, online stores, as well as in cash and, according to the bank, on favorable terms.

Cash

The maximum amount of such a loan 100 000 rubles, minimum - 30 000 rubles.

The bank can provide such a loan for up to 10 months with an overpayment of 10% for the entire period. Please note that this is about 21.26% per annum.

Another offer - a loan "19%" for those who need a loan from 100,000 to 500,000 rubles at 19% per annum.

The loan term is up to 36 months. If the bank approves an application for such a loan, in addition to the passport, you must provide a certificate of income, a copy of the work book certified by the employer, as well as any document from the list:

• international passport;
• documents for a car, land (if any), etc.

Video: Cash loan from Russian Standard Bank

Requirements for borrowers

Basic requirements for a potential borrower:

• passport of a citizen of the Russian Federation;
• permanent registration;
• age - 25-65 years;
• certificate 2-NDFL (you may not provide, but the presence of a document will reduce the interest rate);
• availability of fixed telephones (home and work).

The provision of a salary or credit card will also help the borrower to receive benefits on a loan.

Maximum and minimum amount

Russian Standard Bank offers to issue a consumer loan from 3 000 rubles(credit for goods). The maximum loan amount, subject to all conditions, reaches 1,000,000 rubles.

Loan disbursement terms

Loan terms depend on the chosen loan program. The minimum loan term is 3 months, the maximum is 3 years. Possible early repayment of the loan.

And if you want to take a loan for maternity capital, then you need to go through.

Debt repayment

Repayment of a loan or making a monthly payment on it can be carried out in any way convenient for the client.

These can be QIWI terminals, and be prepared to pay a commission of 1.6% (but at least 50 rubles), CyberPlat – 1.5% ( not less than 25 rubles), Contact – 1% ( at least 50 rubles).

Russian Standard Bank is a Russian commercial institution engaged in lending activities. The legal form of this bank is a joint-stock company. The head office of Russian Standard is located in Moscow. Represents a credit institution banking products that are in demand among the general population.

Initially, it had the name "Agrooptorgbank". Its activities were registered with the Central Bank in 1993. The initial purpose of the creation was the implementation of mutual settlements between institutions and enterprises. But due to the instability of the economy in Russia, Russian Standard Bank ceased to exist as an organization for mutual settlements and ceased to be active in the financial market.

In 1999, the bank was reorganized in connection with its acquisition by the new management. The deal amounted to 100 thousand dollars. Its priority at the moment is consumer lending and the issuance of credit cards.

In addition, the bank actively attracts free cash from individuals in deposits. The bank also has acquiring, settlement and cash services, credit lines, international transfers and settlements.

Loan conditions

Russian Standard Bank offers several. Each of them has its own advantages and disadvantages.

Cash loan

This program is the most popular among clients of Russian Standard Bank. Its advantage lies in the misuse of the issued funds. Under the loan program, the bank offers the following conditions:

The advantages of the presented program are also that:

• to apply for a loan, confirmation of official employment with certificates is not required;
• credit obligations can be issued according to two documents;
• a large selection of payment options for monthly payments.

Cash loan for regular borrowers

Such a program is offered by Russian Standard Bank individually for its clients. You can get such a loan only if there are no overdue payments and timely payment of the loan in the amount established by the agreement.

• rate on credit obligations - 24% per annum;
• the maximum amount to be issued is 500 thousand rubles;
• the credit limit is issued for a period of up to three years;

All other conditions are similar to the previous option.

Consumer credit plus

This program from Russian Standard Bank is a mini-loan for obtaining borrowed funds before wages. Suitable for citizens who need a small amount to purchase any product. The terms of the consumer loan are as follows:

When applying for a loan, the funds are transferred to the already issued Bank in the Pocket card.

Consumer credit 24

Russian Standard Bank offers loans on improved terms. The program is designed for a certain category of clients who wish to borrow a substantial amount of money. Conditions for this offer:

• 24% per annum is charged for using the credit program;
• the amount of the provided credit limit - 300 thousand - 1 million rubles;
• repayment period - from 6 months to 3 years.

Not always the desires of a person coincide with the possibilities. That is why Russian Standard Bank decided to enter the microcredit and commodity lending market. Now you should not think about the lack of funds when buying goods and services. The missing money can be obtained in the form of this bank.

A financial institution offers profitable banking products for the purchase of goods without overpayment. You do not have to visit a branch to get a loan. You just need to go to the information desk on the territory of the bank's partner store and apply for a credit limit at the outlet. This saves the individual's time.

To apply for a loan, a person will only need a passport and an additional document, for example, TIN or SNILS. Conditions for the program "Credit for the purchase of goods":

What do you need

For registration at the Russian Standard of Consumer Credit Bank, it is not necessary to go to its branch. It is enough to go to the official website of the bank and fill out the questionnaire presented there. It is necessary to indicate only real data, otherwise the potential borrower will be denied a loan.

As soon as the questionnaire is processed, a bank employee will contact the client to clarify the data. If the decision of the financial institution is positive, the client will be invited to come to the branch to personally submit documents and receive borrowed funds.

To purchase credit obligations, an individual will need to provide the following package of documents:

Client Requirements

The main requirements for a future borrower are:

• the presence of a passport of a citizen of the Russian Federation;
• permanent registration in the territory of residence;
• the age limit is 21–65 years. In some cases, the age limit is from 18 years;
• availability of certificate 2-NDFL. You can not provide it, but then the interest rate will be higher;
• the presence of a landline phone (home, work).

A potential borrower must have a positive credit history or even be without it. He should not have current debt on other loans from other banks.

Russian Standard often issues a loan to citizens who have a salary of at least 20 thousand rubles. This is due to the minimum amount necessary for an average person to live, it is approved by law in the amount of 10 thousand rubles. If you have a child, the amount of income should be about 30 thousand rubles.

For small loans, the bank does not ask to provide a certificate in the form of 2-NDFL, a second identity document, as well as title documents for property. But if a potential client requests a significant amount of money, then he is obliged to provide all of the above documents.

A loan from a Russian standard bank is suitable for the general population. in the Russian standard are beneficial to pensioners. When providing a document confirming retirement, a citizen has the right to count on a decrease in the cost of a banking product by several points.

Applying for and getting a loan

Having collected all the necessary documents, the potential borrower does not know how to proceed further. Often, bank specialists do not say how to get a loan cheaper and easier. It is better to take a loan online.

In order to take out a loan, you need:

• go to the official resource of Russian Standard Bank;
• go to the "Credits" tab;
• choose the best product for you;
• click "Finish";
• fill out the submitted questionnaire;
• agree with the point of processing personal data and wait for a response.

You can get money on a loan at Russian Standard Bank both in cash and on a bank card, depending on the program chosen.

(!) We recommend that you take advantage of a more convenient and advantageous offer - Apply for an online Platinum credit card from Russian Standard Bank with the ability to withdraw cash for free (credit money - up to 300,000 rubles)!

Why is a card better than a cash loan?

• Free shipping– the courier will bring the card himself and hand it over to you personally.
• No fees— free cash withdrawal from ATMs (0% commission).
• Interest-free installment up to 12 months (1 year).

Payment

You can pay off a loan at Russian Standard Bank in several ways:

• automatic debiting from the bank card "Bank in your pocket";
• at the cash desks and ATMs of the represented bank;
• interbank transfer;
• at Qiwi, MKB, Eleksnet terminals;
• wire transfer Leader;
• postal transfer;
• transfer from a mobile phone account.

It is worth remembering that it is necessary to deposit funds in advance and in the amount specified in the contract.

Lending at Russian Standard Bank is an advantageous offer for all individuals. The presented programs allow you to realize your dreams without postponing them until tomorrow.