Vbrr credit card. Vbrr bank services - loans, deposits, cards

In 1995, the All-Russian Regional Development Bank was established with the support of the state. Currently, the main shareholder is Rosneft. The bank provides a full range of services and is noted as an institution with an active lending dynamics.

Mortgage loan in the All-Russian Regional Development Bank

Mortgage loans in RRDB can be obtained by citizens of the Russian Federation who are employees of Rosneft. They can use borrowed funds in the amount of up to 20 million rubles over 20 years. An initial fee must be at least 20%, interest rates are charged from 11.5%.

Consumer loan in the All-Russian Regional Development Bank

RRDB has developed a number of programs to obtain loans to meet current urgent needs. They can be provided taking into account the personal income of one borrower or the total family income, and it is also possible to attract other persons as co-borrowers. For non-participants salary projects confirmation of income is required, at the same time, the package of documents is simplified, a loan can be obtained without guarantors.

Developed for holders of salary cards Special offers offering a variety of discounts and participation in bonus programs. There are two types of educational loans for this category of clients. The program "My Universities" offers a line of credit with which you can pay for education in the Russian Federation and abroad. And the “Family Institute” loan does not limit the number of students. With its help, all family members can study in both preschool institutions, and in universities.

Also, holders of salary cards can use an overdraft, which allows them to receive credit limit up to 100% of total amount monthly wages... Interest rates on it are in the range from 14.5 to 20%. At the request of the client, the debt can be repaid automatically in the amount of 10% of the existing debt amount.

Car loan in the All-Russian Regional Development Bank

RRDB offers two types of programs that allow you to take advantage of a loan for the purchase of a new car. Maximum size the loan can be 3 million rubles, it can be used up to 5 years. The loan is issued only in national currency, for calculating the amount when an application for a loan is submitted at the All-Russian Regional Development Bank, a one-time commission of 2000 rubles is charged.

The purchased car is the only security for the loan, no guarantors are required. Interest rates range from 12 to 14.5%. The initial payment must be made in the amount of at least 15%.

Loans to businesses in RRDB

RRDB offers flexible terms lending to enterprises and organizations from different types industries, it can be both very large companies and enterprises related to small businesses. They can take advantage credit lines and one-time loans, promissory notes, to receive financing for development international activities and it is convenient to dispose of funds available under the terms of the overdraft.

Cities where you can get a loan

Nowadays, it is easy and quick to buy any product with a credit card from the All-Russian Regional Development Bank in Moscow. Such a credit card has simple conditions for issuing:

• credit limit - up to a million rubles;
• interest - 22.00% per annum (flat rate);
• cashback from purchases to individuals;
• grace period - 50 days (almost all banks in Moscow offer cards with such a grace period).

Citizens with a stable income can order profitable credit cards of the All-Russian Regional Development Bank in Moscow.

How to find and issue a credit card at the All-Russian Regional Development Bank in Moscow using the site?

To quickly order a credit card from the All-Russian Regional Development Bank in Moscow, you need to go to the organization's website, study the conditions for issuing a credit card, select loan options and order a credit card. As soon as the online application is approved, you will need to go to the bank and receive a ready means of payment... The card will be active on the day of receipt.

All-Russian Bank Regional Development (RRDB) is a bank established under state support... Today, most regions of Russia are in a deplorable state - on the face of a budget deficit, industrial decline and other problems. The Bank allows its clients: individuals and legal entities to receive a full range of quality services.

The All-Russian Regional Development Bank (RRDB) is a bank established with state support. Today, most regions of Russia are in a deplorable state - on the face of a budget deficit, industrial decline and other problems. The Bank allows its clients: individuals and legal entities to receive a full range of quality services.

About the organization

RRDB has been operating since 1996. Over the past 20 years, the bank has received high reliability ratings not only Russian, but also international rating agencies... In addition, the institution is included in the deposit insurance register: all deposits placed in it are protected in the amount of up to 1.4 million rubles.

The loan portfolio is growing from year to year. The bank has its own processing center, which allows it to offer clients the latest banking developments.

The bank has a wide branch network and highly professional trained personnel. This factor was a guarantee that the bank is entrusted with its assets. largest companies Russia, including Rosneft and all of its subsidiaries.

RRDB participates in many projects in the social and sports fields, is a participant in charitable programs. It is included in the two largest associations - the Association of Regional Banks of Russia and the Association of Russian Banks.

Services for individuals

Among the services for individuals stand out:

• loans;
• deposits;
• settlement and cash services;
• currency exchange;
• remote service;
• cards;
• Money transfers;
• rental of safes.

Each RRDB office offers a full range of services. Let's consider them in more detail.

Loans

A third-party client cannot apply for a loan at a bank, since the institution provides a loan only for employees of partner enterprises. However, a full range of services is provided for them.

Personal loans are cash receipts. It is not necessary to indicate what exactly the loan is being issued for, but to obtain small amount it is enough just to provide a passport. The main conditions for consumer loans in RRDB are:

Thus, the terms of the loans differ slightly. The features of the programs are:

• on the "Personal" loan, only 2 documents are required, it is possible to fully repay the debt from the first day of the loan, there is no collateral and commissions;
• for a Family loan - if one of the spouses is an employee of a partner enterprise, then the other spouse can apply for a loan for himself, even if he works in another institution;
• for a Partner loan - a loan with a co-borrower. If the borrower does not have enough income to receive a specific amount, then he can provide a co-borrower and the loan obligations will be divided by 2. This will allow you to issue more large sum... At the same time, at least one co-borrower must work in a partner organization.

A cash loan secured by real estate is not a consumer loan, although it is received at hand. In most banks, as in RRDB, it is classified as a mortgage, since the collateral is the pledge of existing real estate. Loan terms:

• terms - up to 120 months;
• amount - 0.5-10 million rubles;
• percentage - 12.75-17.25% per annum.

Thus, the rates can be lower than with the usual consumer loans however the property must be in good condition and insured.

Refinancing loans

This type is provided to the borrower to repay an existing loan. Provided at personal deposit rates. The maximum loan amount is determined only by the capabilities of the borrower. Features of the program:

• decrease in the current loan payment;
• the ability to simultaneously refinance up to 3 loans in any of the banks in Russia;
• early repayment is possible from the first month after registration without commissions and with interest deducted for unclaimed time.

In the event of a loan delay, the bank will charge a penalty of 20% per annum.

Important! It is impossible to refinance overdue loans, overdrafts and credit cards, mortgages and loans from co-borrowers.

Mortgage programs

Borrowers are offered three programs:

• for housing in a new building;
• for secondary housing;
• for housing using maternity capital as a down payment.

The conditions for the programs are almost the same; they differ only in the value of the rates and the property:

• period - up to 30 years;
• loan amount - up to 15-30 million rubles, depending on the location of the housing;
• percentage - 10.65-14.35% per year.

To purchase a home, you must provide the following documents:

• passport and loan application;
• documents on income and employment;
• property documents (original).

The application is considered within 3-4 working days, after which the bank informs the borrower and, upon approval, appoints a convenient time for signing the contract. The borrower does not receive cash on this loan. Funds are transferred directly to the account of the developer or intermediary.

Contributions

Today the bank has 12 deposit programs: there is how basic programs and promotional seasonal applications. Let's present the parameters in the table below.

Thus, RRDB offers a wide deposit network, in which each client can choose a suitable program. There is an opportunity to place money on the deposit - "On demand". The rate is standard - 0.01%, but the account can be managed indefinitely.

Bank cards and money transfers

RRDB does not offer credit cards... The only type of plastic is a salary deposit card. Card may belong Visa systems and MasterCard, Maestro or MIR. The level of the card ranges from classic to platinum. Basic terms of use classic cards are:

• free annual maintenance for social cards and payroll clients;
• accrual of 4% annual bonuses on the average account balance;
• free SMS informing.

For Gold and Platinum level cards:

• round-the-clock concierge service that allows you to solve any client's problems by phone: booking tickets, hotels, finding the best doctor, lawyer, etc .;
• full life and health insurance of the owner during foreign trips by IC Renaissance Insurance;
• connection of PayWave technology;
• it is possible to issue a card in a unique design.

An interesting service is pension cards which provide the following features:

• receiving discounts at enterprises participating in the program;
• receiving cash from ATMs around the world;
• payment of utility bills, telephone, etc. through the terminal or Internet banking;
• the ability to replenish the deposit online and through an ATM.

Thus, the assortment of cards will really allow you to choose the most suitable one. Annual service rates are minimal, and bonus program allows you to profitably use such a payment instrument.

Corporate clients

For legal entities the bank offers a full range of services - from simple placement of funds in accounts to a full operational cycle settlement and cash services... Let's present the main services for cash settlement:

• various transactions with customer accounts;
• collection company;
• cashless payments;
• currency exchange operations;
• cash payments.

Payments are made within the current day, which allows you to always make settlements on time.

Within the framework of bank cards, organizations are offered:

• issuance of gold and platinum level cards, as well as business cards to optimize business expenses;
• carrying out business trip settlements with employees without handing out cash;
• the opportunity to participate in a salary project;
• the ability to install terminals in stores and branches of the company for card payments - this saves time on transactions with customers and reduces the number of errors when working with cash.

The salary project is very convenient, since it allows you to minimize the costs of issuing wages - cash transactions, keeping money, etc. Moreover, with salary cards the charging process becomes fully automated.

Lending to legal entities is carried out to support real sector economy of the Russian Federation. Today loans for legal entities look like this:

• classic loan,
• overdrafts;
• credit line;
• letter of credit and guarantee.

Tariffs are set individually. Loans have a lot of commissions, since the amounts issued are quite large:

• for opening an account - at least 5,000 rubles;
• amending the terms of lending - 4000 rubles;
• advising on the terms of the contract - 0-4% of the loan amount.

It should be noted that the commissions are one-off. And there is no interest for monthly and annual credit maintenance. The rate is set individually.

Thus, RRDB Bank offers its clients high-quality and inexpensive service. A review of the main services showed that the terms of cooperation are quite competitive.