Setelem documents. "cetelem bank" llc

Cetelem Bank has branches in 76 regions of the country. Its loan products are available at the organization's offices, partner stores and car dealer showrooms. The main principle of work is the transparency of the services provided. Read about the types of loans by Cetelem Bank, methods of obtaining and paying them in the article. *

A loan for personal needs from Setelem Bank is an opportunity to purchase any product of the client's choice. A cash loan is available only to bona fide customers who previously received a loan from Setelle Bank and repaid it without delays.

An offer to issue a loan for personal needs comes to the client by e-mail or mobile phone. In the mailing list, the lender reports the amount approved for receipt and the office where you need to contact to conclude a loan agreement.

E-mail is not a guarantee that you will receive a loan. The bank has the right, without giving any reasons, to refuse a loan to a client after consideration of the application. For Cetelem Bank clients, the loan application is subject to confirmation for no more than one day.

You have the right to take advantage of the offer to obtain a loan for urgent needs:

• Russian citizens from 21 to 65 years old;
• with a permanent residence permit in one of the regions where the bank operates;
• with the presence of a non-overdue offer of the bank for a cash loan.

To complete the application and assess the borrower's creditworthiness by the bank, the following documents are required:

• Russian passport;
• the second document is SNILS, TIN, driver's license or international passport.

At Setelem Bank, a loan is issued only in rubles, by crediting funds to a client's account opened in the same organization.

• misuse of funds;
• term from 12 to 42 months;
• additional commissions are not provided;
• after the approval of the application, the client either concludes a loan agreement or refuses within 5 days;
• no deposit is required;
• penalties for late monthly installments are 0.1% per day of the payment amount;
• amount - from 15 to 150 thousand rubles;
• the total cost of the loan, depending on the term and amount, ranges from 24.9 to 41.9% per year.

When concluding a loan agreement, bank employees offer the borrower an insurance policy. The amount of insurance is added to the amount of the main loan and significantly increases it. Registration of such a document is optional. But in practice, it turns out that if the borrower does not want to use the additional service, sometimes a loan is refused.

Bank Cetelem: consumer loan. Options

Consumer loans from Setelem Bank are used to pay for purchases in partner stores of the credit institution.

The main conditions are as follows:

• borrower age - from 21 to 65 years;
• Russian citizenship;
• registration in the region of the bank's operation;
• you need a passport and a second document of your choice;
• income statement - when applying for a credit card or a loan for a significant amount.

The bank's website contains four main proposals that are in force in 2015:

1. Credit "No Overpayment 2014". It is issued when purchasing equipment in M.Video salons. The selection of goods is limited by the scope of a special offer. The total purchase amount reaches 450 thousand rubles. The down payment is not required. At the conclusion of the contract, the buyer, if desired, pays no more than 50% of the cost of the goods. Loan rate - from 15.9 to 40.4%. There is no overpayment for the client, as there is a discount on the amount of the bank commission on the loan. It is provided by the bank's partner - M.Video. Promotions are valid periodically, so you need to get information about them in advance in the partner salons of the bank. The last promotion ended on November 2, 2015. To distinguish goods for a special offer from ordinary ones is available by price tags. They indicate the price of the goods and the amount of the monthly loan payment.
2. Credit "Express Plus 2014". It is convenient because the list of outlets where this loan is available is quite large. These are salons of fur and leather, jewelry, household appliances and electronics, building materials and plumbing, clothing, footwear and consumer goods stores. The loan is issued for a period of six months to 3 years at a rate of 35.9%. Loan amount - from 10 to 450 thousand rubles. The down payment is not required, but possible up to 90% of the purchase price.
3. Credit "Ultra Light". This is a rather lucrative offer of the bank for interest-bearing consumer loans. Due to the discount provided by the partner store for the goods, the total cost of the loan will be only 15% per annum. Loan terms - 10, 12 and 18 months. Down payment - from 0 to 20%. Amount - from 10 to 200 thousand rubles.
4. Credit "10-10-10 2014". Loan term - 10 months. Down payment - from 10 to 50% of the purchase amount. Loan amount - from 10 to 50 thousand rubles. The rate is 23.5-45.7% per year. Due to discounts from partner stores, the overpayment for this offer is set at 10%.

In addition to these credit products, the bank offers loans according to programs, the conditions for which depend on the partner store and the type of purchase. Rates for various offers start at 6.9% per annum. The minimum loan term has been reduced to 3 months. The maximum is limited to 2 years. Such well-known services as Snezhnaya Koroleva, Technosila, M.Video salons, shops of building materials, plumbing fixtures and furniture cooperate with the bank.

Any commodity credit is available for registration only in retail outlets. Find out where they are located in a particular city, perhaps in the tab "Help" - "Where to get a loan." The location map shows service points and customer areas.

It is possible to pay a loan by Cetelem Bank in different ways:

1. Sberbank. Payment without commission from a client's bank card opened in this institution. The term for crediting money to the loan account in Cetelem is 4 working days.
2. Kiwi payment terminals. The transfer fee is 1.6% of the amount. Payment - from 100 rubles. up to 15 thousand rubles The term of enrollment is within 3 days.
3. Qiwi wallet. Tariffs and conditions are similar to the transfer of funds through Qiwi terminals.
4. Rapida payment system. Transfer fee - 1% of the amount, but not less than 50 rubles. When redeemed in Technosila - at least 60 rubles, in M.Video - 65 rubles. The specified time for the transfer of funds is 3 days.
5. Payment system Eleksnet. Commission - 1.5% of the size of the transfer, but not less than 50 rubles. The maximum contribution amount is 15 thousand rubles. The transfer period is 4 working days.
6. Internet resource "My Bank". Allows you to pay Setelem a loan online. Commission for debiting from Visa cards - 0.2%, from MasterCard - 0.8%. The maximum available for write-off is 75 thousand rubles. Money on the client's account - within 3 banking days.
7. "Sberbank Online". Transfer of funds is carried out in the menu item "Payments and transfers" - "Repayment of loans in other banks". It is required to click on the icon with the Setelem logo. A form opens in which the bank details are filled in automatically. It is enough to indicate the number of the loan agreement, the name of the borrower, the amount of the payment and the mobile phone number. Then you need to select a card for debiting funds. The transfer is made within 3 banking days.
8. Sberbank branches. The payment is made in the transaction window. Clients deposit money in cash or from a card. A passport and a loan agreement number are required. A commission is charged as for regular transfers to another bank. The term for receipt of money is up to 4 working days.
9. Other banks. Payment with a commission at the rates of a specific organization. Transfer period - up to 3 days. It is necessary to provide the details of Cetelem Bank, the sender's passport and the number of the loan agreement.
10. Transfer via mail. Commission - 1.7%, but not less than 50 rubles. You should pay at least 10 days before the scheduled payment date.

The entrance to the online resource "My Bank" is carried out by entering the data of the passport, cell phone number and the number of the loan agreement. The following is available in the Personal Account:

• pay the next installment on a loan from a card of any bank;
• control the crediting of funds to the credit account;
• specify the date of the next payment;
• calculate the amount of loan repayment ahead of schedule.

The Cetelem Bank website does not provide for the possibility of applying for a loan. But this can be done on the Internet, where many resources provide services for the formation of an application and informing customers about banking services. The questionnaires include the following data:

Loans at Cetelem Bank are approved online if the borrower has a good credit history. In addition, for clients who have already made out loans in this bank, the probability of receiving money is very high. After confirmation of the data by the applicant, the questionnaire is sent to the lender for consideration. The response goes to the client's email address. In case of a positive decision of the bank, the future borrower visits the lender's office to sign the agreement.

For any of the bank's loan products, borrowers have access to early repayment of the loan. There is no fee for termination of the loan agreement. If there is a large amount of money, the client has the right to fully repay the debt at any time. To do this, you need to put on the account an amount equal to the balance of the debt, plus a monthly payment.

This scheme works if the loan is scheduled to close on the date after the next scheduled payment. If the client intends to terminate the contract before the planned payment date, then the amount is calculated for the number of days before the full early repayment of the loan. In the service "My Bank" the calculation is made automatically.

If you wish to repay the loan balance in Cetelem bank not in full, the client must notify the lender of his decision 30 calendar days in advance. It is enough to call the "hot line" at 8 800 50 05 503. A few days before the due date, you need to deposit the amount on the account. It consists of:

• planned payment;
• amounts for partial early repayment;
• interest accrued on the amount of partial early repayment.

After debiting the amount from the account, the client receives a new loan repayment schedule. It is available for formation in the Personal Account or in the sales centers.

• To get a certificate of closing a loan account, the client needs to visit the sales center with a passport.
• At the request of the borrower, he has the right to deposit a large amount into the account, which will be debited in parts every month according to the schedule.
• The amount of the positive account balance after the loan is repaid is available to be returned to the borrower by bank transfer. The commission is 1%. There is no fee for transferring to an account in Setelem.
• The client must notify the bank if his data has changed.

Go to the Cetelem Bank website. Read the conditions for issuing a cash loan:

To apply for a loan, fill out a short application form. Enter your full name, date of birth. Enter your phone number and a convenient time to call. Click "Request a call":

A Cetelem employee will call you and help you prepare the loan application documents.

Borrower requirements

• Russian citizenship
• 21 to 65 years old
• Permanent registration in Russia in the territory where there is a Cetelem office
• Availability of a valid loan offer from Cetelem

Required documents

• Russian passport
• Additional document: passport, driver's license, SNILS, TIN

About the bank

Cetelem Bank is a joint venture between Sberbank and the French group BNP Paribas. Founded in 1992 in Saratov. Later he moved his head office to Moscow, and in 2005 joined the Ukrainian UkrSibBank. In 2006-2007, UkrSibBank, together with its subsidiary bank in Russia, was bought by the BNP Paribas group. In 2011, part of the bank's shares was sold to Sberbank, and in 2013 it received its modern name.

Now Sberbank controls about 80% of Cetelem bank shares, another 20% belongs to the French financial group. The bank's head office is located in Moscow. The regional network includes 74 representative offices and more than eleven thousand customer service points. The bank operates under license No. dated June 27, 2013.

The bank's main specialization is consumer lending. The Bank actively offers its clients various types of loans, including for the purchase of goods from partners. The bank also develops several car loan programs, issues debit cards and provides insurance services.

The documents

1. Pre-contractual information on consumer loans for urgent needs
2. Simple Electronic Signature Agreement
3. Tariffs for the consumer lending program for urgent needs, effective from 08.08.2017

You will learn how to enter your personal account on the official website of Setelem Bank online. Detailed instructions for convenient and quick access to cetelem.ru with screenshots and video instructions. A visual guide to recovering a forgotten password to the personal account of the bank. We provide only the most up-to-date information.

Answers to popular questions

Can I get a loan without visiting the bank?

Leave a request on the Cetelem website. A bank employee will advise you by phone. After approval of the loan, you can pick up the card with money at one of 300 service points.

The bank offers a service of courier delivery of documents and cards in major cities. The service is available in Moscow, St. Petersburg, Rostov-on-Don, Krasnodar, Kazan, Nizhny Novgorod, Chelyabinsk, Ufa, Yekaterinburg, Perm, Saratov, Stavropol, Omsk, Voronezh, Volgograd, Krasnoyarsk, Samara, Tyumen, Kemerovo, Novosibirsk.

How does Cetelem's offer differ from loans from other banks?

You can apply for a loan from Cetelem Bank online and get a decision on the issue in a few minutes. The bank does not require you to provide a certificate of income or pledge, look for a guarantor. In large cities, a courier delivery service is available. You can manage a loan from Setelem Bank via the Internet Bank.

I took a loan from Setelem 3 times earlier and now I have 4 operating in the same place .. and you know, oddly enough, I don’t have any problems over these 7 years that I “contact” this Bank. never occurred. Be careful when signing the contract and many problems will disappear by themselves.
As for free repayment channels, they remain: Sberbank online (but only auto payment) and Eleksnet.
As for “I connected auto payment, let the Bank write off the money itself” - no one can write off anything from your card without your knowledge and consent, except for the Bank, to which you confirmed your desire to use this service (that is, to Sberbank), Setelem has nothing He cannot write you off the card!
In the contractual documents there is such a wonderful piece of paper, called "Memo on loan repayment", there are clearly spelled out the terms for transferring funds through one or another repayment channel. So, online transfer through Sberbank takes, ATTENTION !, UP TO 4 BUSINESS DAYS! I will decipher: if the money was sent on Friday, then the days off fall out of the transfer period, respectively, they will come to the Bank on Wednesday-Thursday. At the same time, the greatest probability of being late with payment arises before the New Year and on the May holidays. But, this Bank has one good trick: crediting takes place day in and day out if you pay through the Rapida payment system (cash desks of MVideo, Eldorado, Euroset stores) before 15:00 on the day of debiting funds according to the schedule! Your money will be credited to your account before the end of the working day! (checked, it works, I use it sometimes, but mostly auto payment). If paid after 15:00, then the next business day.
And yet, a recommendation for those who use auto payment: before the last payment, do not forget to turn it off! Otherwise, transfers will also be made with the same frequency.
By the way, one more useful information: the Bank gives two months to close the account after the contract is closed, after this period it begins to charge a commission for servicing the account, 300 rubles. per month.
All the information I have listed, as well as information on the timing and procedure for early repayment, is contained in the document "General terms of issue and service .." on the Bank's website with free access, familiarize yourself.
And I usually dial 8 800 500 55 03, additionally dial different combinations (106 or 107), but I agree that it is sometimes problematic to contact the operator. They have never been rude to me, have never come across.
In general, the same Bank is like everyone else ... in some ways it is better, in some way worse.
But having such a "rich experience in loans" and excellent credit history in many banks, most of the problems, I emphasize the MOST, not all ... well, most of the problems arise through the fault of the consumer, that is, ours ..

Cetelem is a trademark under which BNP Paribas Vostok LLC issues consumer loans (including car loans, credit cards and loans for urgent needs) on the territory of Russia. The Bank operates in 67 regions of the country and cooperates with such large retail chains as M.Video, MIR LEATHER AND FUR, Snezhnaya Koroleva, DOMO and others.

Cetelem Bank declares that it adheres to the concept of "Responsible lending". This means that the bank promises to provide its clients with "transparent loan products at reasonable rates and help improve the level of customer service," the organization's website says. But in fact, the bank often retreats from these principles. But first things first.

What the bank offers ... Let's dwell on a loan offer "10-10-10"... The bank positions it as a loan for any need on "prosaic" terms. What was meant by this definition is not specified on the bank's website. At the same time, it is still issued for the purchase of goods, and not at all for any needs.

According to these "prosaic" conditions, the bank is ready lend from 2,500 to 450,000 rubles for term up to 10 months under rate from 23.56% to 45.72% per annum. Commissions for the provision and maintenance of a loan are not charged, an initial fee must be at least 10%. " Overpayment for a client on this loan product will be approximately 10% of the value of the goods ”, according to the documents on the website of the organization.

For inaccurate payments, the bank fines... If the amount of late payment is less than or equal to 100 rubles, then you will be charged an additional 50 rubles forfeit. If you underpaid more than 100 rubles on time, then the penalty for you will be 15% of each overdue monthly payment, but not less than 700 rubles.

Possible problems ... "Thanks to" Cetelem, many conscientious borrowers will learn what a collection is. tactless attitude bank to its customers. Even a few months after the full settlement of the loan, bank employees may start to overwhelm you with SMS-messages and calls of rather rude content with demands to return the balance of the debt. This usually happens for three reasons:
1. After the calculation, you have a "debt" of a few kopecks.
2. An error of a call-center employee who incorrectly named the amount of your last final payment.
3. You have not notified the bank about the early repayment of the debt.

But most likely you will not even know the reasons for the formation of debt and whether it really exists. The bank will not deal with this. Contact numbers will be unavailable, and requests through the site will not lead to anything. This is evidenced by many of the bank's clients in their reviews of Setelem's work. But the massive sending of SMS with threats and penalties accrued to you is provided. But there will be simply no place to get information about the amount to be repaid.

It is noteworthy that from the aggressive tone of SMS and calls, many people break down and prefer to pay their alleged debts and delays - if only this flurry would stop.

Customer dissatisfaction also causes imposed credit card. It is simply mailed to clients. Yulia Kutilova from St. Petersburg, who recently received a consumer loan from Cetelem, also received such a "package". “I didn’t order the card!” The woman is indignant. - I called Setelem's hotline, and there the young man said that when I took out a consumer loan, "I signed some kind of consent to issue their cards for me." Although I didn’t sign anything and all the papers are in my hands! ”.

Cetelem Bank provides a wide range of credit and financial services, a frequent addition to which is an insurance contract. The premiums can be quite large and the borrower may be tempted to opt out of this service. Let's consider whether it is possible to return the insurance at Setelem Bank and how to do it.

Types of insurance for loans at Setelem Bank

The bank offers several programs:

• personal insurance, which protects against loss of work, health, as well as against the consequences of an insured event of loss of the borrower's life (the service is provided in partnership with Sberbank);
• auto insurance - mandatory for buying a vehicle on credit;
• GAP-insurance - a program to protect a bank client from financial losses arising from a decrease in the price of a car during operation;
• from breakdowns - an optional service, upon payment of which the borrower receives an extended guarantee for the purchased vehicle;
• from loss of valuables;
• insurance for those traveling outside the country;
• "Multipolis" and "Multipolis +" - a complex offer that includes all types of protection.

It is proposed to conclude a contract for non-compulsory insurance, as a rule, when registering a certain loan product. Cetelem does not provide mortgage lending services. But the partners of the company provide mortgage insurance, so if you wish, you can change the insurer when applying for a loan.

By law, a bank client cannot be offered insurance as a prerequisite for issuing a loan. But in banks, the practice of imposing contracts on life insurance, property insurance, etc. is widespread. when applying for loans.

Compulsory the option of insurance for a loan in "Cetelem" is only CASCO when buying a new car on credit. The information is confirmed by the bank itself:

At the same time, CASCO can be paid both separately and against a loan.

Other types of insurance contracts can be terminated by the client at will without any penalties from Setelem Bank during a cooling period of at least 5 working days. From June 1, 2016, this is permitted by law for almost any type of imposed insurance.

The insurance amount is added to the body of the consumer or target loan. Refunds under the agreement are possible in the following cases:

• the loan is not repaid, and the client just wants to return the insurance;
• in case of early repayment.

Cetelem offers insurance in partnership with insurance companies. General terms and conditions of the contract:

• the client has a certain time (cooling period) from the moment of signing the papers, during this period you can apply with a written application and refuse insurance, 100% of the insured amount is returned if the insurance contract has not yet entered into force;
• if the appeal took place during the cooling period, but after the entry into force of the contract, then a part proportional to the remainder of the insurance period under the contract is returned;
• if the borrower decides to withdraw from insurance after the end of the period and the loan is not repaid, no refund will be made.

Other conditions are possible, which depend on the insurer and the contract. Cooling period also spelled out in the agreement, for example, for the company "Sberbank Insurance" on the terms of a complex offer, it is 21 days.

You need to contact the insurance company with which the contract was concluded, and the termination actions should be carried out in accordance with the instructions of its specialists. In the case when the borrower was connected to the Voluntary Program collective insurance, you need to contact Cetelem Bank directly:

Return Procedure

To issue a refusal and return the money, you need:

• prepare a package of necessary documents;
• fill out an Application for termination of the contract;
• send them to the insurance organization (the one specified in the existing contract).

What documents are needed

To terminate any insurance contract and return funds, you will need papers:

• client's application for termination;
• copy of the concluded agreement;
• copies of 2 and 3 pages of a Russian civil passport.

Sample statements can be found on the website: https://www.cetelem.ru/voprosy-i-otvety/ and from partner firms.

Successful termination and return are possible only with the correct and timely submission of the package of documents. In case of voluntary collective insurance, they should be sent by letter with notification to the postal address: 127137, Moscow, P.O. Box 101 (for Cetelem Bank). And when the contract is concluded with a partner company, the shipment takes place to its address.

Consequences of canceling insurance

Cancellation of the program in itself does not incur penalties for the borrower. Nevertheless, if in the future a person has any problems (illness, job loss, other potentially insured event), then with an active program, the insurer will take over the solution of problems with debt servicing. If there is no insurance, then the client will need to take care of the timely payment of the debt, otherwise collection measures will be applied to him.