Many people who need a large amount of money decide to contact the Agricultural Bank. Loans to individuals are issued there on favorable terms. In addition, potential borrowers are offered far from one option of this service. There are several of them, and each is worth noting attention.
Offer for seniors: conditions
Talking about it is first of all, since we are talking about the Agricultural Bank. Loans to individuals - retirees are very popular here. They are issued for any purpose and do not require confirmation of the intended use of borrowed funds.
The amount that can be borrowed varies from 10 to 500 thousand rubles. And the term is from 12 to 84 months. No collateral is required, and no loan commission is charged. The application is considered for 5 days, and a pensioner can receive money within 45 days after the bank makes a decision.
You can repay a loan by annuity or differentiated payments. If it became possible to pay off debt before the loan expiration date, then this can be done without commissions and moratoria.
Bets
So, these were the main loan conditions at the Agricultural Bank for individuals - pensioners. Now about the percentage.
If a person draws up a loan for a period up to 365 days inclusive, then a rate of 14.5% per annum is set for him. For a loan taken for 12-60 months, 16.5% is valid. But the highest rate applies to long-term loans. For those that were issued for a period of 60 to 84 months. In this case, the rate is 17.5%.
It is worth noting that for those who receive a pension on the Rosselkhozbank card, benefits apply. In all these cases, their rate will be one percent lower - 13.5%, 15.5% and 16.5%, respectively.
And the bank has a special offer. It applies to those who apply for a loan in the amount of more than 200,000 rubles for a period of up to 12 months. They are offered a rate of 11.5% per annum. A simple example: if a pensioner takes a loan of 250,000 rubles, then he will overpay only 28,750 rubles per year as interest.
Special rates
A special offer applies to employees of institutions that participate in the so-called payroll project. They are given loans in the amount of up to 50,000 rubles (also for 12 months) at a rate of 11.5%. And now, up to 06/30/17, an exclusive campaign is in effect - loans exceeding the amount of 200,000 rubles are provided at 13.5% per annum. Reliable clients, employees of budget organizations, as well as people who receive a salary on the card from the Rosselkhozbank organization can take advantage of this offer.
Loans to individuals on these shares are very popular. There are the following reasons for this:
- No commissions.
- It is possible to choose a repayment scheme.
- There are no restrictions on early payment of debt.
- Income can be confirmed by the bank form
- Credit is allowed to use for any purpose.
- You can attract co-borrowers to increase the amount of the approved loan.
These advantages are appreciated by customers. A direct confirmation of this is their actively growing influx.
About consumer credit
This service, of course, also provides the Agricultural Bank. Loans to individuals whose interest rates are of particular importance to customers are provided primarily for consumer purposes. The amount varies from 10,000 to 1,000,000 rubles. For people working for the benefit of a company that is a member of the notorious payroll project, a limit of 2,000,000 p.
To get a loan, you must meet certain requirements.The age limits are indicated by the boundaries of 18 and 65 years, the total length of service should be at least 6 months in last place and 1 year in total.
When determining the maximum amount acceptable for issuing to a client, several sources of income are taken into account: profit at the main place of employment and part-time, money from private practice or conducting private entrepreneurship, payments (pension, social charges, for length of service, etc.), funds from farming and other finances obtained by methods permitted by law.
Interest
Well, briefly it was told about consumer loans of the Agricultural Bank to individuals. Their conditions are not bad, but the requirements are acceptable. But what about interest?
They vary depending on the timing. If the loan is issued for 365 days inclusive, then at least 17.9% per annum will be established. The term is from 12 to 60 months? Then the rate will increase to 18.9%. You can feel especially good overpayments by looking at a good example. Suppose a person has issued a loan of 1 million rubles for 60 months. For each year, its overpayment will be 189,000 p. At the end of the term, in addition to the million taken on credit, he will pay another 945,000 rubles as interest! Not the most profitable option, therefore, the shorter the loan term - the better for the client.
But the loan rate at the Agricultural Bank for individuals can be reduced. 2% for reliable customers, and 1.5% for employees of budgetary organizations or participants in a payroll project.
However, the rate may also be increased. By as much as 6% per annum. This is the case if the client has refused health and life insurance. Or if he did not comply with the obligations regarding this during the loan term.
Refinancing
Recently, this service is gaining popularity. Provides it and the Agricultural Bank. Loans to individuals, known as refinancing, mean one loan issued to repay all others already held by the client.
The conditions are favorable. If collateral is not provided for loans previously issued by a person, then the Agricultural Bank will be able to issue him a maximum of 750,000 rubles. For participants in the salary project, this amount has been increased to 1,000,000 rubles. In the same way as for secured loans.
It is important to note that the size of this loan depends on the solvency of the client. But it certainly cannot exceed the balance of the loan debt, which is subject to refinancing.
About the benefit
As it was already possible to understand, Rosselkhozbank offers loans to individuals mainly beneficial. Refinancing interest rates are also set acceptable, since the purpose of this proposal is to attract customers so that they would not pay the debt to the banks in which they initially issued loans, but only to one.
If refinancing is required for up to 365 days, then the rate will be 13.5%. In the case when the period varies from 12 to 60 months, it increases to 15%.
Naturally, the most favorable conditions are offered to all the same salary and reliable clients, as well as to employees of budgetary institutions. They are offered a rate of 12.9% and 14.4%.
But in order to get the same 750,000 rubles for refinancing, you need to have a good income. If, for example, a person wants to borrow this amount from the bank for 2 years (at 14.4%, respectively), then he will be given it only with a monthly salary of 72,000 rubles. This can be easily calculated on a bank loan calculator. In this situation, a monthly person will have to give 36,152 p. Overpayment in this case will be about 118,000 p.
Mortgage
It is impossible not to mention her, telling about the financial services offered by the Agricultural Bank. Loans to individuals issued for the purchase of housing, in our time are very popular.
The amount available for disbursement as a target loan varies from 100,000 to 20,000,000 rubles. The maximum mortgage term is 30 years.
And before you study interest rates, you need to remember that in any case, you will need a down payment. It is 30% for the purchase of apartments, 20% for the purchase of an apartment in a new building and 15% for any other real estate.
And the requirements for potential borrowers are standard. Only the minimum age should not be 18, but 21 years old.
The nuances of a home loan
Funds are allocated for the purchase of an apartment (no difference, in the primary or secondary market), townhouse with a plot and apartments at 10.75% per annum. The length of the term and the amount of the amount are not reflected in percent. True, the rate can be reduced to 10.25% if a person draws up a mortgage on real estate offered by the bank's partners. The choice of developers is huge, so you should definitely consider this option.
If a person acquires a residential building with land, then the rate will be equal to 15.5%. As in the case of registration of a mortgage for the purchase of land.
But again, to get the amount for a short time you need to have a solid income. If a person wants to borrow 2,000,000 rubles for three years, then his monthly salary should be 110,000 rubles. Moreover, he will give the bank exactly half a month. And the overpayment of interest for three years will be about 349,000 rubles.
The same amount can be taken for 6 years. In this case, she will be approved for a person with a salary of 62,000 rubles. And the amount of the monthly payment will be approximately 38,000 p. That's just the total overpayment will exceed 720 000 p.
Revision of terms and conditions of payment
It should also be mentioned. This process is a restructuring of the loan. In the Agricultural Bank, an individual is often approved of it. Although it is not a separate service, each case is considered individually.
If the client’s request is approved, one of three options can be offered:
- The provision of credit holidays.
- Extension of the period, allowing to reduce the amount of the monthly payment.
- Revision of the payout schedule.
I would like to mention credit holidays as a special attention, because not everyone knows what it is. This is called deferred loan payments for a certain period. Interest is not accrued, and during the period indicated by the bank, a person may not pay a loan.
So the client is given time to bring their material condition back to normal. This is necessary so that a person can again pay debts without feeling the atmosphere of "making ends meet."
What is needed from the client?
In addition to solvency - documents. For a loan at the Agricultural Bank, an individual will need to provide a certain package of securities. Here is a list of them:
- An application form of a standard form (issued at the bank, but can also be downloaded from an online source).
- Registration in the territory of the Russian Federation (in the case of a mortgage - in the region where housing is purchased).
- Help confirming all ways a person earns income.
- Labor book.
- Passport (original and copies of all completed pages).
- A military ID or a certificate from the university about a postponement (for men under the age of 27 years).
This is the main package of documents. Depending on the type of loan being issued, it must be supplemented with other certificates. In the case of a mortgage, for example, you will need all the documents for the purchased property. And to get a loan for the development of their subsidiary plots, an extract from the household book will also be required. However, representatives of the bank talk to clients about such nuances at consultations.