Each major city in Russia can offer its residents several dozen credit organizations that are able to solve any possible problems with cash. Petersburg banks offer their services at various levels: from consumer lending to mortgages. The list of the most prestigious credit organizations of the city includes the Bank of Moscow in St. Petersburg. It is a subsidiary of VTB Group, has been operating since 1995 and has established itself as a reliable solid bank that meets customer expectations.
Bank services
Bank of Moscow in St. Petersburg offers its customers the following services:
- mortgage;
- customer credit;
- opportunities for small and medium-sized businesses;
- work with shares investment funds;
- execution of deposit agreements.
The organization’s convenient information services include mobile and Internet banking, after connecting which the client will be able to make transactions online from his cell phone or computer, avoiding the need to personally visit Bank of Moscow branches in St. Petersburg. The services of a credit institution include: the possibility of booking safe boxes, making and tracking utility bills, checking for availability rent arrears. It is also envisaged to conduct foreign exchange transactions (the bank works with ten types of foreign currencies, has the ability to accept damaged banknotes, which are then sent for collection). It is possible to store valuables in individual safes, it is practiced to obtain information about the state of the precious metals market.
Interesting bank projects
Bank of Moscow in St. Petersburg is working on several lending projects. The main ones are special offers for pensioners, salary projects the program "People of business", as well as special promotions and discounts for customers. All branches of Bank of Moscow in St. Petersburg practice the design of pension programs, including the issuance of credit, debit pension cards with the possibility of generating income on the balance, withdrawing funds without a commission from any ATM, and free annual service. Salary projects involve the possibility of using reduced interest on loans, discounts on rental safes, favorable rates on deposits, a savings account on a card that provides additional income.
Mortgage for a special category
Bank of Moscow in St. Petersburg invites a special group of people - people of certain professions - to apply for mortgage loans. Teachers, doctors, educators, law enforcement officials, tax officials, customs officers, and municipal and federal government agencies receive special conditions that avoid additional costs. Mortgage rates are provided from 11.15%. It is possible to combine several existing loans into one.
Addresses of branches in St. Petersburg
Various promotions and discounts are peculiar to the credit policy practiced by the Bank of Moscow. The addresses in St. Petersburg where the branches are located are listed below:
- st. Bela Kuna, 1, letter A; T. 8 (800) 200-23-26;
- Moskovsky Avenue, 163; t. 8 (812) 324-61-56;
- embankment Vyborg, 61; t. +7 (812) 295-16-06;
- Enlightenment Avenue, 34, Letter A; T. 8 (800) 200-23-26;
- Bolshoi B.O. Avenue, 53/10, letter A; t. 8 (800) 200-23-26;
- Ligovsky Avenue, 108 A .; t. +7 (812) 320-90-56.
The "Priceless Moscow" promotion, which provides for discounts to credit card holders, is carried out by the bank quite actively and widely.Partner companies - reputable companies of well-known brands - offer discounts of 5% to 20% when using Bank of Moscow credit cards.
Deposits and mutual funds
A special point requiring the attention of customers is the opportunity to open a deposit agreement that will help draw up the Bank of Moscow (St. Petersburg) at a favorable interest rate. The telephone number of the offices is specified in the article for further details. Employees of the nearest office will help to arrange a deposit and consult in detail on issues of interest. The terms of deposits vary from 3 months to 3 years, various additional conditions are provided: interest capitalization the possibility of replenishment of the deposit, remote registration.
It is possible for bank customers to place their assets by purchasing shares in the management company VTB Capital Asset Management.
How to apply
A credit card can be issued for up to 150,000 rubles or more. To do this, fill out a questionnaire, attach a list of required documents and send it to the bank for consideration. A driver’s license, income statement in the form of 2-personal income tax or a passport are quite suitable as an addition to the passport of the Russian Federation, if the requested amount does not exceed 150,000 rubles. The full list of documents for filling out an application can be studied on the bank's website or in person by consulting a department.
Loans and borrowings
The method of obtaining a cash loan is quite simple. Bank of Moscow provides an opportunity to get a loan of up to 300,000 rubles for a period of up to 7 years at an interest rate of 16.9%. The allowable age of the borrower is from 21 years to 70 years. To fill out an application, you need to fill out a questionnaire, send it for consideration to the bank and wait for the SMS with the decision. If the answer is yes, the borrower should collect all the necessary documents indicated in the list and contact the indicated department. With a personal appeal, the necessary procedure for signing a loan agreement is completed, and the client can only get the money at the bank's cash desk.
The schedule of payments, the amount of the monthly payment, methods of repaying the loan, the possibility of reducing the interest rate are discussed in a personal conversation with a specialist who is involved in a specific loan agreement. The Bank of Moscow provides for a gradual reduction in the interest rate for all customers who do not violate the payment deadlines. Disciplined loan repayment makes it possible to reduce monthly payments.
