Loan conditions at Raiffeisenbank in 2021

2024 Author: James Gerald | [email protected]. Last modified: 2023-12-17 14:00

The updated conditions allow you to easily and quickly get a loan from Raiffeisenbank in 2021. There are several simple options for the client's choice of how to get a loan with a minimum set of documents (only a passport - for salaries) and a loyal interest rate.

Benefits of lending at Raiffeisenbank

Despite the high competition, this financial and credit organization does not experience a shortage of clients, since it provides a wide range of banking services, and a loan can be obtained on favorable terms. Benefits for a Raiffeisenbank client applying for a loan in 2021:

• the possibility of registration without a personal visit to the branch, even if it is located nearby - you can familiarize yourself with the conditions and interest rate on the website and place an application there;
• if the online request is approved, you don't even have to go for a card - it will be brought to your home by the bank's courier service;
• at the service of customers - an online calculator that will help you easily calculate the size of the monthly payment;
• you do not have to collect a voluminous package of documents that is required in other banks, and for salary clients you need only one identity document - a passport;
• the interest rate can be reduced by joining the financial protection program; it is enough to draw up an insurance contract;
• the debit card and its service are free, and early repayment (if the financial situation improves) will not meet any obstacles;
• the client can transfer a mandatory payment in any way convenient for him, including money from another bank card, the terminal of the bank itself and its partners, by wire transfer or in person at the nearest branch.

The conditions favorable to the client include the promised payment service, in which you can postpone the deposit of funds in due time for a short period. You need to send an application indicating the next date. The service is available up to 3 months of non-payment.

The client can restructure another loan received at less loyal interest in another financial institution, as well as connect an online bank, which will control the movement of funds from receipts to repayment of current debts.

Cash

This type of loan in Raiffeisenbank under the conditions and interest rate in 2021 is not much different from credit through a card. For registration, you will have to collect a little more documents and personally come to a bank branch to receive a loan. An extremely simple receipt algorithm will not be particularly difficult even for those who first apply for a banking product:

1. By submitting an online application, you must specify the requested information: place of residence, work, income and parameters of the selected loan. The decision will be made immediately after the telephone interview with the manager-consultant. You may need to clarify some details.
2. You will not need to provide either a deposit or a surety. For the documents (if they have already been collected or a little later), a Raiffeisenbank loan officer can come. This is provided that an online appeal is submitted and approved.
3. A salary client will need a Russian passport. Individual salary clients must attach 2-NDFL to it. Other persons, provided that they need no more than 300 thousand rubles, can present a passport and proof of income. If we are talking about more significant allocations of the bank, other documents may be required - everything is decided according to the situation.

There will be no obstacles to obtaining the required amount on acceptable terms and with a loyal interest rate if the person who first applied for a loan from Raiffeisenbank in 2021 meets the following conditions:

• Russian citizen;
• his age is from 23 to 67 years old;
• have a stable source of income;
• is constantly working and officially issued for at least 3 months in one place.

The minimum amount is 90 thousand, the maximum is 2 million rubles. There are no restrictions on the purpose, the maturity is up to 60 months.

What determines the loan rate

Interest rates primarily depend on the type of service provided. In the bank you can get:

• consumer credit;
• car loan;
• refinancing of obligations already assumed by the client;
• mortgage.

Those who agree to the terms of the financial protection program are immediately provided with a loan at 11.9%, which after a year of trouble-free repayment by the client is reduced by 2% - to 9.9%.

At the same time, there is a requirement: the client must repay or restructure all other debts (loans in other financial institutions), otherwise the rate will increase by 8%.

There is one more condition: the accrual of a penalty for each day of delay in the monthly payment. But this can be avoided by resorting to the promised payment service, about which the bank must be notified in advance, indicating the exact date.

The bank, according to the drawn up agreement, remains:

1. The right to terminate the agreement if the client does not pay without explanation for more than 2 months. In this case, a claim will be made to return the amount taken earlier.
2. Provide preferential terms to the employees of the partner company or the holders of the Visa Platinum or Premium card, if they have a package of premium services in the application.
3. Do not classify pensioners in preferential categories, and issue a loan only on condition of constant work and an age limit that allows you to pay for the funds taken on time.
4. To put forward requirements for the minimum income and loan restrictions depending on the region of residence (in Moscow and St. Petersburg, you need to earn at least 25 thousand rubles, and the limit is 2 million rubles), in other subjects of the Federation, 15 thousand rubles are enough. monthly income, but you can take no more than a million in national currency.

The borrower must have a permanent registration in the country, he must have a mobile phone and a stationary worker. An important condition for maintaining the reduced interest rate is participation in the insurance program.

Now, due to the coronavirus epidemic and the associated economic difficulties, objective circumstances are not excluded, in which the client will not be able to pay off the debt. This means financial losses for the bank instead of the expected profit.

He has only two options to avoid such a situation: if the client lost his job, his ability to work, or died prematurely. This is an increase in the interest rate and the registration of insurance under the financial protection program (it is included in the conditions for granting a loan at Raiffeisenbank in 2021 at a preferential rate).

If an insured event occurs, the issued policy allows you to repay the loan and even receive some funds, if any remain after the full settlement with the bank.

Summarize

1. The minimum rate at Raiffeisenbank is available only to preferential categories of customers who have agreed to fulfill certain conditions.
2. The financial protection program allows the bank to insulate itself from possible losses in the current difficult circumstances.
3. The client has to make the monthly payments neatly, but he has the option of early repayment and getting a grace period.
4. In addition to a consumer loan, there are options to take money to buy a car or real estate, and a debt restructuring service is provided.