What kind interest rates operate on loans from Rosselkhozbank in 2016? What new preferential lending terms have been launched for this year? And many others important points You can read in our special review.
The most "cheap" loan offer will please pensioners, the rate is only 13.5% per annum, the rest of consumer loan offers are within 16.0-25.75% per annum (except for "salary" clients, for them preferential rates below these parameters).
It should be noted right away that the product with security has the best conditions.
Security can be "covered" by guarantors, or by a pledge of movable or immovable property.
You can find loans in the bank’s arsenal: for regular customers, for those who like to engage in summer cottages or gardens, another program will allow you to block (refinance) a loan taken from another bank (unless, of course, it will be beneficial for you), there is also a special product that will allow you to replace all communications in the house (conduct electricity and gas, plumbing, etc.).
1. Consumer loan "Unsecured"
The rate for payroll clients of Rosselkhozbank is from 15.5% per annum, for other clients - 23.75 - 25.75% per annum (depending on the term).
Issued in rubles, you can get from 10 thousand to 1.5 million rubles.
Loan term up to 5 years.
|
Credit term |
||
|
up to 12 months |
from 12 to 36 months |
from 36 to 60 months |
A loan can be issued to citizens of the Russian Federation, aged 23 to 65 years, with at least six months of experience in the last place, and at least a year for the last 5 years.
Guarantors and collateral are not required.
2. Loan to pensioners in "Rosselkhozbank" 2016
The loan is issued to citizens of the Russian Federation, registered in the territory of Russia, under the age of 75 years.
The loan term is up to 7 years, you can count on the amount from 10 to 500 thousand rubles.
Issued in rubles, for any purpose.
As for the loan rate, it varies within 13.5 - 19.0% per annum, depending on the term of the loan, whether you receive a pension to the account of the Russian Agricultural Bank or not, and on the availability of insurance.
If you do not want to use the life and health insurance package, the rate will be automatically increased by 3% per annum.
You can also take advantage of a special preferential offer for loans up to 50 thousand rubles, for a period of up to 12 months: the rate for receiving a pension to a bank account is from 13.5% per annum, for other borrowers - 14.5%.
3. Secured loan
The loan offer is valid for any purpose and is issued for up to 5 years.
The loan amount is from 10 thousand to 2 million rubles.
The loan can be used by Citizens of the Russian Federation, aged 18 to 65 years.
The following can be used as collateral: a guarantee of individuals or legal entities, a pledge of liquid property.
Interest rate from 21.8 to 23.5% per annum for all borrowers, except payroll clients.
For their "salary" there is a special offer - 14.5% per annum.
|
Credit term |
||
|
up to 12 months |
from 12 to 36 months |
from 36 to 60 months |
4. Loan "Gardener" secured
Issued for: construction and repair of country houses, acquisition of land plots.
Loan term: for misuse of credit money - up to 3 years, targeted - up to 5 years.
You can take a loan in the amount of 10 thousand to 1.5 million rubles.
In security (as in the previous program): guarantee of individuals or legal entities, pledge of property.
Rates are in the range of 21.0 - 22.75% per annum, depending on the term of the loan, the type of security.
In addition, the interest rate is affected by: lack of insurance (+ 3% to the standard rate), violation of the conditions for providing documents that prove the intended use (+ 2% to the rate).
5. Loan secured by real estate
This program is non-targeted, the loan is given for any purpose, with one condition - the collateral must be an apartment or house with a plot (loan security).
The rate is very "nice" - from 16.0 to 19.0% per annum (it depends on the loan term, if you still refuse life and health insurance + 3.5% per annum).
The loan term is up to 10 years, the amount is from 100 thousand to 10 million rubles (the loan amount should not exceed 50% of the assessment of your apartment).
Proof of income in the form of a bank.
The application is considered up to five working days.
Approved only for citizens of the Russian Federation aged 21 to 65 years.
Rosselkhozbank has more than 10 consumer lending programs. Among the diversity banking products everyone will be able, based on their interests and capabilities, to choose the right one.
1. Program "Engineering communications". This product is designed for working people (18-65 years old). The bank loan under this proposal provides for expenses in the field of engineering communications. A loan can be taken for 5 years with an interest rate of 15.5%. The loan amount varies from 10 thousand to half a million rubles.
To take a loan from Rosselkhozbank in 2016 under this offer, you must submit an application via the Internet or directly at the bank, which will be considered within a week. The person taking the loan must have a guarantee or collateral. If you have your own insurance or property, the bank will reduce the interest rate by 1.75 points. In addition to the standard package of documents, an agreement with the contractor, a cost estimate, as well as receipts for payment for services should be presented.
2. The program "For the development of personal subsidiary plots." The loan amount of this product ranges from 50 to 700 thousand rubles. The loan is provided for 5 years. The interest rate of this program is 14%, there are no additional fees. When applying, the client must provide a guarantee or deposit. It is necessary to fulfill credit obligations with differentiated payments. The user of this product has the opportunity, if necessary, to use the grace period - up to a year.
3. Program "Non-targeted". This is a loan provided in cash upon presentation of a passport. "Rosselkhozbank" to provide such a service subject to the mortgage of real estate (for example, housing, land ownership), as well as information on wages. The application is considered by the bank up to 5 days (working). Loan funds are provided for various needs at the request of the client, while there is no need to report to the bank. Credit "Non-purpose" is issued without commission at 15.5%. The loan is provided for a period of 5 years, the amount can reach 10 million rubles. The bank may raise the interest rate by 1.75 points if the client does not agree to the insurance.
Consumer loans for any needs, without collateral, for payroll card holders.
Rosselkhozbank presents consumer loan product three types: non-target appointments, without collateral and for holders of salary cards.If you urgently need cash in a foreign currency, then the misuse program is for you, subject to a guarantee. The loan amount ranges from 10 thousand to a million rubles. A loan can be taken for a period of one to 5 years. The interest rate depends on the currency. So, in rubles it is from 13.9%, in dollars - from 12.5%.
For citizens of Russia (21-60 years old, women - up to 55), Rosselkhozbank can provide loan without collateral at an interest rate of 21%. The application is considered by the bank within three days. The loan is provided for a period of 36 months. The maximum amount of consumer credit can be set - 750 thousand rubles.
For payroll card holders Rosselkhozbank in 2015 offers loans both in rubles and in foreign currency. A loan can be taken for 5 years in an amount starting from 50 thousand rubles. The interest rate also depends on the currency in which the loan is granted (for rubles - 14-19%, for foreign currency - 9-13%). In order for the bank to issue a consumer loan, it is necessary to provide reliable information about wages for the last six months.
Consumer loan refinancing programs in 2016.
Among the products of Rosselkhozbank there is a line of refinancing consumer loans. One of these products is repayment of an earlier loan. The interest rate for this program is 18.5%. The loan is available up to a million rubles for up to 60 months. In order for the bank to satisfy the application for this product, the client must provide information on income, as well as a certificate of employment. The loan is issued against a security or a guarantee. In case of refusal of insurance, the interest rate will be raised by the bank by 1.75 points.Another program of Rosselkhozbank for refinancing loans was developed specifically for farm owners. This product can be used to change the terms of repayment of a previously taken loan to the best terms for the borrower. The interest rate under the program is 15%. Depending on the income of the client, a loan is issued with a pledge and guarantee in the amount of 300 thousand rubles. The loan is provided for 60 months.
Special offers.
In addition to standard loan offers, Rosselkhozbank provides loans under special programs.The first program is "Reliable Client". It can be used by clients participating in the project of the same name with a good credit history in Rosselkhozbank. The loan under this offer is provided for five years. The loan amount starts from 10 thousand rubles and can reach a million. The interest rate in rubles is 15%, in foreign currency - from 10%. The client needs to provide information on income for the last six months. Pledge and guarantee will make it possible to resolve the issue of lending positively.
"Successful Partner"- a banking program that provides funds for the development of personal subsidiary plots. The loan is considered targeted (money for the purchase of equipment, the purchase of animals, equipment, repair of premises). The maximum loan amount is up to 700 thousand rubles. The program is valid for a period of 24 to 60 months.
Conditions and nuances of consumer credit in Rosselkhozbank in 2016.
Interest rates at Rosselkhozbank depend on the type of program (14-24%). This indicator is the most competitive and attractive for consumers.To get a loan from Rosselkhozbank, the borrower must be a Russian citizen aged 18-65 (except for programs for students and pensioners). In addition, the client must have at least six months of work experience (the advantage is for those who have worked at the same job for at least a year).
To obtain a consumer loan at Rosselkhozbank, the following documents must be presented: a passport and an additional identity document; income statement, as well as all income for the last six months. Sometimes the bank may require other documents.
Rosselkhozbank is loyal to its customers, puts forward optimal requirements and conditions. There are no veiled commissions and payments in the bank. Bank customers are served free of charge. For faster and faster service, Internet banking was created, where, in particular, you can track the movement of funds.
On the Rosselkhozbank website, you can fill out an application for a loan by filling out an online questionnaire (fill in the required fields with an asterisk). The information provided by the borrower will undergo a detailed check by bank employees, so only real data must be indicated. For example, a bank may refuse to receive a loan if an unreliable income was indicated.
Why is it profitable to take loans secured or guaranteed?
Like all large banks, Rosselkhozbank today has a whole range of loans, including consumer cash loans. All of them can be divided into two large groups:
1. with security (for example, on the security of any property or with guarantors);
2. without collateral (certificate of income is sufficient to receive money).
We have discussed in detail the features of unsecured loans on this page. And in this review, we will focus on secured loans. There are two of them in the RSHB:
1. secured by real estate;
2. under the guarantee of individuals.
The main advantage of these programs is that they allow you to borrow a large amount (up to 10 million rubles), and for a long period (up to 10 years).
Of course, in order to get money, you will have to run around, because you will need to collect a fairly large package of documents. But in some cases the game is worth the candle.
Rosselkhozbank loan secured by real estate
This loan today is issued against the security of the borrower's property. A bank can mortgage an apartment or a house with land plot(including townhouse). This loan compares favorably with a mortgage in that the money received can be spent for any purpose, and not just for buying an apartment.
Terms
- - Minimum amount: 100,000 rubles;
- - Maximum amount: 10 million rubles (not more than 50% of the market value of the property pledged).
- - Term: up to 10 years.
- - Security: pledge (mortgage) of a real estate object - an apartment, a residential building with a land plot (including a townhouse).
Interest rates
Allowances
1.00% in case of refusal to carry out life and health insurance during the entire loan period.
Requirements for borrowers
Only those citizens of Russia who meet the following requirements can apply for a loan secured by real estate in Rosselkhozbank:
Age.
Not less than 21 years and not more than 65 years (at the date of full repayment of the loan).
Citizens under the age of 75 are issued a loan only if the following conditions are met simultaneously:
- - the presence of a Co-borrower (the repayment period comes before the Co-borrower reaches 65 years of age);
- - until the Borrower reaches the age of 65, at least half of the loan term must pass.
Work experience.
- for individuals
- for citizens leading household plots
Documents for a loan secured by real estate
To receive money, you need to bring quite a few documents to the bank:
- - Passport of a citizen of the Russian Federation;
- - For men under the age of 27 - a military ID;
- - Documents on marital status and the presence of children;
- - Documents confirming financial condition and employment;
- - Documents on the credited real estate object.
How to apply for a loan
You can apply online - on the official website of the bank or in mobile application. The review period will be up to 5 business days.
If the decision is positive, then after completing all the documents on the pledge, the bank will transfer the entire amount to your account.
See also:
A loan secured by real estate in Sberbank - an overview >>
Loan from Rosselkhozbank under guarantee
This loan can be taken from the bank for any purpose. The main thing is to find a guarantor and then the interest rate will be quite low.
Terms
- - Minimum amount: 10,000 rubles;
- - Maximum amount: 1 million rubles. (2 million rubles - for payroll clients);
- - Term: up to 5 years / up to 7 years of payroll clients / "reliable" clients / employees of budgetary organizations;
- - Collateral: a guarantee of at least 1 individual/ guarantee legal entity/ pledge of liquid property.
Interest rates
For individuals
Up to 300 thousand rubles
For payroll or reliable clients
Up to 300 thousand rubles
For state employees
Up to 300 thousand rubles
For state employees - salary or "reliable" clients
Up to 300 thousand rubles
Allowances:
4.5% in case of refusal to carry out life and health insurance during the entire loan period.
Requirements for borrowers
Only those citizens of Russia who meet the following requirements can apply for a loan with collateral against the guarantee of individuals in Rosselkhozbank:
Age.
Not less than 18 and not more than 65 years (at the date of full repayment of the loan).
Work experience.
- for individuals: at least 6 months at the current place of work and at least 1 year of total experience over the past 5 years;
- for salary and "reliable" clients: at least 3 months at the current place of work and at least 6 months. total continuous experience for the last 5 years;
- for citizens leading household plots: availability of records in the household book of the local government on the conduct by a citizen of a personal subsidiary plot for at least 12 months before the date of application for a loan.
The requirement to have a total work experience of at least 1 year over the past 5 years does not apply to clients receiving a pension to an account with the Russian Agricultural Bank!
Documents for a loan with a guarantor
To apply for a loan, you must fill out an application form, as well as submit a certificate of income from the borrower and the guarantor.
How to get a loan
To obtain a loan, you must immediately contact the bank in person or make a preliminary online application. Then you need to provide a complete package of documents. The bank promises to consider the loan application within 3 days (the term for consideration of the application can be changed at the discretion of the bank).
You can receive money within 45 calendar days from the date the bank makes a positive decision to grant a loan. The funds will be transferred in full to the client's current account with the Russian Agricultural Bank. There is no fee for issuing a loan to individuals.
How to repay loans from Rosselkhozbank
Loans to individuals of Rosselkhozbank today are repaid monthly in cash or non-cash payments. Moreover, the client himself chooses differentiated or annuity payments, he will make payments.
A differentiated method is when the payment decreases towards the end of the loan term.
Annuity method - repayment of the loan in equal installments over the entire period.
Full or partial early repayment of the loan is allowed without a moratorium and commissions.
Rosselkhozbank car loan calculator
Loan calculator with subsidies from the Russian Agricultural Bank
Rosselkhozbank loan calculator for private household plots
Rosselkhozbank loan calculator for gasification
Rosselkhoz Bank pension loan calculator
Rosselkhozbank credit card calculator
Rosselkhozbank loan calculator for salary
Rosselkhozbank Small Business Loan Calculator
Loan calculator for early repayment of Rosselkhozbank
Rosselkhozbank Real Estate Loan Calculator
Loan calculator of Rosselkhozbank "Gardener"
Rosselkhozbank has several consumer lending programs for individuals, which include both loans for any consumer purposes and special targeted lending programs.
Currently, the list of consumer lending programs of the Russian Agricultural Bank is as follows:
- "Consumer loan" - a loan for any purpose;
- "Consumer loan without collateral" - a loan without collateral and guarantee;
- "Non-targeted consumer loan secured by real estate";
- "Gardener" - a special program for owners of garden and summer cottages, as well as for those persons who plan to purchase them;
- "Engineering communications" - a loan for the purpose of conducting water, sewerage, telephone, replacement of electrical wiring, heating;
- "Pension" - a loan for persons of retirement age;
- "Reliable Client" is a program for clients with a positive credit history in Rosselkhozbank.
Bank requirements for borrowers:
- citizenship of the Russian Federation;
- age from 18 to 65 years (from 21 to retirement age for loans without collateral);
- work experience of 6 months.
To consider an application for a loan, the bank requires the following documents:
- The passport;
- application form;
- Income documents for the last 6 months;
- Employment book / employment contract;
- Documents on the pledge (if there is a pledge);
- Additional documents at the request of the bank on the financial position of the borrower.
Loan terms:
| Program | Credit term | Min. sum | Interest rate |
|---|---|---|---|
| consumer credit with the provision |
up to 60 months | 10 000 rub. | from 11.5% |
| Consumer without collateral for individuals receiving salary to the account in JSC "Rosselkhozbank" |
up to 60 months | 10 000 rub. | from 11.5% |
| consumer credit without security |
up to 60 months | 10 000 rub. | from 11.5% |
| Non-target consumer mortgage loan |
up to 120 months | 100 000 rub. | from 15.0% |
| Gardener | up to 60 months | 10 000 rub. | from 19.5% |
| Consumer no security for members "Union of Gardeners of Russia" |
up to 60 months | 10 000 rub. | from 7.15% |
| Engineering Communication | up to 60 months | 10 000 rub. | from 20.5% |
| pension | up to 84 months | 10 000 rub. | from 11.5% |
| Refinancing | up to 60 months | no restrictions | from 12.9% |
All loans of Rosselkhozbank are repaid in differentiated payments. It is also worth mentioning that the terms of most loans provide for the provision of collateral that will need to be insured in favor of the bank.
We can say that thanks to a wide range of loans provided by the Russian Agricultural Bank, as well as the availability special programs lending, bank customers have the opportunity to choose the best option for themselves, with the lowest interest rate.
To calculate the amount of payments on loans from Rosselkhozbank, as well as to form a payment schedule, use the calculator below.
If there is not enough money to solve any problems, then you can always use the lending service from the Russian Agricultural Bank (RSHB). This financial institution offers its customers several loan programs that allow you to get a mortgage, car loan or other targeted loan. Each of them has its own requirements and special conditions for borrowers.
At the beginning of its activity, the bank provided its services to rural residents and owners of personal subsidiary plots. But thanks to government support, Rosselkhozbank loans are now available to all citizens of the Russian Federation. They are of particular interest, primarily due to the interest rate and a small list of documents that are required to submit and approve the application. Further, we will talk about the features and conditions of lending to the Russian Agricultural Bank.
Loan in Rosselkhozbank - conditions in 2016, interest rates
Since the beginning of 2016, Rosselkhozbank has been offering individuals several types of loans.
Consumer loans
| Loan program | Credit term(in months) | Interest rate | Credit amount | Security |
| Consumer loan without collateral and guarantee for clients receiving salaries to an account opened with JSC Rosselkhozbank | up to 12 | from 16.90% | from 10,000 to 1,000,000 rubles; up to 1,500,000 rubles - for clients receiving salaries to the account of the Russian Agricultural Bank, opened for at least 6 months. | - |
| 12-36 | from 17.90% | |||
| 36-60 | from 18.90% | |||
| Consumer without collateral | up to 12 | from 22.90% | from 10,000 to 750,000 rubles; up to 1,500,000 rubles - for participants of the salary project | - |
| 12-36 | from 23.90% | |||
| 36-60 | from 24.90% | |||
| Consumer loan with mandatory collateral | up to 12 | from 20.90% | from 10,000 to 1,000,000 rubles; up to 2,000,000 rubles - for payroll customers | |
| 12-36 | from 21.90% | |||
| 36-60 | from 22.90% | |||
| pension | up to 12 | from 16.75% | from 10,000 to 500,000 rubles. | - |
| 12-36 | from 17.25% | |||
| 36-60 | from 17.75% | |||
| 60-84 | from 18.25% | |||
| in case of transferring a pension to an account with the Russian Agricultural Bank | ||||
| up to 12 | from 15.25% | |||
| 12-36 | from 15.75% | |||
| 36-60 | from 16.25% | |||
| 60-84 | from 16.75% | |||
| Non-target consumer mortgaged housing | up to 36 | 16% | from 100,000 to 10,000,000 rubles, but not more than 50% of the market price of real estate pledged | pledge (mortgage) of real estate of the borrower/co-borrower (apartment, residential building with land) |
| 36-120 | 17% | |||
| Refinancing of consumer loans | if the loan to be refinanced is secured | |||
| up to 12 | from 20.90% | up to 1,000,000 rubles | - | |
| 12-36 | from 21.90% | |||
| 36-60 | from 22.90% | |||
| in the absence of collateral | ||||
| up to 12 | from 22.90% | up to 750,000 rubles; up to 1,000,000 rubles for clients who receive salaries to an account with Rosselkhozbank | ||
| 12-36 | from 23.90% | |||
| 36-60 | from 24.90% | |||
| Special programs | ||||
| Gardener | in the presence of a pledge of liquid (convertible into money) property | from 10,000 to 1,500,000 rubles. | guarantee of at least one natural or legal person; pledge of liquid property | |
| up to 12 | from 19.5% | |||
| 12-36 | from 20.50% | |||
| 36-60 | from 21.50% | |||
| in the presence of guarantors (individual / legal entity) | ||||
| up to 12 | from 20.50% | |||
| 12-36 | from 21.50% | |||
| 36-60 | from 22.50% | |||
| Engineering Communication | up to 12 | from 20.50% | from 10 000 rub. up to 500,000 rubles | guarantee of at least one natural person; guarantee of a legal entity; pledge of liquid property |
| 12-36 | from 21.50% | |||
| 36-60 | from 22.50% | |||
Auto loans
This loan, as well as a car loan from Sberbank in 2016, is intended for transactions for the purchase of a new or used domestic or foreign car.
| Loan program | Loan term (in months) | Interest rate | Loan amount | Security |
| Car loan with state support (until 12/31/2016) | up to 36 | from 10.50% | up to 920,000 rubles, but not more than 80% of the cost of a car under a sales contract | pledge of the purchased car |
| down payment from 20.0% | ||||
| Loan for the purchase of a car from the salon | up to 60 | from 17.50% | up to 3,000,000 rubles | |
| down payment from 15.00% | ||||
| Used car loan | up to 60 | from 19.50% | up to 3,000,000 rubles | |
| down payment from 25.00% | ||||
Mortgage credit lending
| Loan program | Loan term(in months) | Interest rate | Mortgage amount | Security |
| Housing in the residential complex Tsaritsyno (until 12/31/2016) | the size of the initial payment - from 20% | from 100,000 to 8,000,000 rubles. | pledge of purchased housing | |
| up to 60 | 7,50% | |||
| 60-120 | 7,50% | |||
| 120-180 | 9,00% | |||
| 180-240 | 9,50% | |||
| 240-360 | 10,00% | |||
| Housing in residential complex 1147 | with an initial payment of 20% | from 100,000 to 8,000,000 rubles. | ||
| up to 60 | 11,30% | |||
| 60-120 | 11,50% | |||
| 120-180 | 11,50% | |||
| 180-240 | 11,75% | |||
| 240-360 | 11,75% | |||
| with a down payment of 30-50% | ||||
| up to 60 | 10,50% | |||
| 60-120 | 11,00% | |||
| 120-180 | 11,00% | |||
| 180-240 | 11,50% | |||
| 240-360 | 11,50% | |||
| with an initial payment of more than 50% | ||||
| up to 60 | 9,00% | |||
| 60-120 | 10,50% | |||
| 120-180 | 10,50% | |||
| 180-240 | 11,25% | |||
| 240-360 | 11,25% | |||
| Mortgage with state support | from 100,000 to 8,000,000 (for facilities located in Moscow, St. Petersburg, Moscow and Leningrad regions) up to 3,000,000 (for facilities located in other territories of the Russian Federation) | |||
| up to 360 | 11,30% | |||
| Military mortgage plus | down payment from 20% | from 300,000 to 2,200,000 rubles. | ||
| up to 276 | 11,50% | |||
| Mortgage lending | ||||
| up to 60 | 13,90% | |||
| 60-360 | 13,90% | |||
| up to 60 | 12,90% | |||
| 60-360 | 13,90% | |||
| Target mortgage in Rosselkhozbank without down payment | with a down payment of up to 50% | from 100,000 to 20,000,000 rubles. | pledge (mortgage) of real estate owned by the borrower / co-borrower (apartment, residential building with a plot) | |
| up to 60 | 12,90% | |||
| 60-360 | 13,90% | |||
| with an initial payment of more than 50% | ||||
| up to 60 | 13,90% | |||
| 60-360 | 13,90% | |||
| Mortgage on two documents | with a down payment of up to 50% | up to 8,000,000 for facilities located in Moscow, St. Petersburg, Moscow and Leningrad regions; up to 4,000,000 for facilities located in other territories of the Russian Federation. But not more than 60% of the cost of purchased housing in an apartment building on the secondary market / housing under construction on the primary market, financed by Rosselkhozbank JSC. And no more than 50% of the price of a residential building with a plot | pledge of a real estate object purchased (erected) at the expense of credit funds of the Russian Agricultural Bank | |
| up to 60 | 14,40% | |||
| 60-360 | 14,40% | |||
| with an initial payment of 50% or more | ||||
| 60 | 13,40% | |||
| 60-360 | 14,40% | |||
| Young family and maternity capital | with a down payment of up to 50% | from 100,000 to 20,000,000 rubles. | pledge of a real estate object purchased (built) at the expense of credit funds of the Russian Agricultural Bank | |
| up to 60 | 13,90% | |||
| 60-360 | 13,90% | |||
| with an initial payment of 50% or more | ||||
| up to 60 | 12,90% | |||
| 60-360 | 13,90% | |||
The amount of the initial contribution under the Maternity Capital program can be 0% of the value of the property under construction / acquired, provided that the amount of family capital is equal to or greater than the amount of the minimum initial contribution required by the bank. It should be noted that family capital can also be used to close debt on an existing mortgage loan. In this case, you need to clarify what documents are needed to repay the mortgage with maternity capital.
Loans for the development of personal subsidiary plots
| Loan program | Loan term(in months) | Interest rate | The value of the loan | Security |
| Refinancing of loans of citizens leading personal subsidiary plots | up to 36 | from 20.75% | from 10,000 to 700,000 rubles. | guarantee of at least one natural person; guarantee of a legal entity; pledge of liquid property |
| 36-60 | from 21.00% | |||
| For the development of personal subsidiary farming | up to 12 | from 16, 50% | up to 1,000,000; up to 1,500,000 for "reliable" clients | |
| 12-60 | from 16.50% | |||
| for "reliable" clients with a positive credit history in Rosselkhozbank | ||||
| up to 12 | from 14.90% | |||
| 12-60 | from 15.50% | |||
| For the development of personal subsidiary farming without collateral and guarantee | up to 36 | from 22.25% | for up to 24 months. up to 300,000 rubles; for up to 60 months. up to 700,000 rubles. | - |
| 36-60 | from 22.50% | |||
| for "reliable" clients | ||||
| up to 36 | from 21.75% | |||
| 36-60 | from 22.00% | |||
Rosselkhozbank consumer loan - interest rates in 2016
Before applying for a consumer loan at the RSHB, you need to choose a specific bank loan service, based on your desires and capabilities. Below are the names and descriptions of loans available for certain groups of individuals.
| banking service | Description |
| Consumer without collateral and guarantee from 15.50% | A loan for any purpose (repair, recreation, purchase of goods, etc.) without any collateral |
| Consumer loan secured from 14.50% | A loan for any need with the involvement of guarantors or the provision of collateral |
| Pension from 14.50% | A loan for borrowers of retirement age (up to 75 years old) for any purpose and needs |
| Non-targeted consumer loan secured by an apartment/private house from 15.50% | A loan for any need secured by real estate that does not require the intended use of funds taken from the bank |
| Refinancing of consumer loans from 14.90% | A loan for the full repayment of open loans in other financial and credit institutions on more attractive terms |
| "Gardener" from 19.50% | A loan for certain needs for owners of garden plots and summer cottages or those who plan to purchase this property. Credit funds can be spent on the construction of a bathhouse, supplying water or buying a plot with a house |
| Engineering communications from 20.50% | Using credit funds, you can pay for equipment and related work on engineering communications (sewage, water, gas, electricity, ventilation) |
All of the above programs are available not only to participants in payroll projects and "reliable clients", but also to those who do not have a credit history and are not employees of accredited companies. All loan offers of Rosselkhozbank, unlike lending programs at MFBank, have a number of additional advantages. In addition to attractive rates, the benefits that are especially beneficial for borrowers include the following points:
- credit funds are provided without any commissions;
- early repayment is not subject to restrictions and penalties;
- the borrower can confirm income by presenting a certificate in the form of a bank;
- the borrower has the right to choose the most suitable loan repayment scheme (annuity (equal payments every month) / differentiated).
All RSHB loans are issued in rubles, are issued, as a rule, to persons who have reached the age of majority, and in most cases require some kind of security.
Loan conditions, as well as loan rates, even within the same loan, can be different. So, for example, the amount of the interest rate depends on several points:
- From the duration of the contract between the lender and the borrower. The longer it lasts, the higher the rate.
- Depending on which group of borrowers the client belongs to. For people whose salary is transferred to an open account with the Russian Agricultural Bank, the rates are always lower.
- From the client's interest in the insurance contract. If the borrower agrees to insure his health and life for the entire period of the loan agreement, the bank reduces the rate.
Advice: the borrower decides whether to purchase an insurance policy or not. The bank has no right to impose this service or refuse to provide borrowed funds only because the client refused to insure life. However, the bank has the right to increase the interest rate.
It is worth noting that Rosselkhozbank is one of the few banks that issue loans to people under the age of 75. Lending conditions for elderly borrowers are strikingly different from those offered by other financial institutions, in their originality and loyalty to customers, which, of course, is good for the borrower. Therefore, before taking a loan to a pensioner at Sberbank at a low interest rate, you should compare the offers of both banks in order to ultimately choose the most optimal option with a minimum overpayment on the loan.
Cash loan without certificates and guarantors from Rosselkhozbank
In order to receive cash loans without a guarantee, certificates and even with an attractive interest rate, you must be an employee of the company - a participant in the salary project of the Russian Agricultural Bank - or use a special promotion offered by a financial institution and get a loan at 15.5% per annum .
The maximum amount that a borrower can count on is 750,000 rubles. (1,500,000 rubles for participants in the salary project), the minimum is 10,000 rubles. with a repayment period of up to 5 years.
Rosselkhozbank - new offers to clients
In 2016, the bank provides its customers with the following promotions and benefits on them:
What documents are needed to obtain a loan from the Russian Agricultural Bank?
In order to receive a loan of interest from the Russian Agricultural Bank, the client must meet the following requirements of a financial institution:
- be a citizen of the Russian Federation;
- be aged 18, 21 or 23, depending on the loan program;
- be aged no more than 55-60 years on the date of the last repayment of the loan under the agreement, in some cases up to 65 or 75 years;
- have a continuous work experience of at least 6 months;
- reside and be registered in the territory where the structural subdivision of the bank is located.
Taking into account these requirements, in order to apply for a loan at the Russian Agricultural Bank, the following minimum list of documents is required:
- a passport of a citizen of the Russian Federation or another document that certifies the identity of the borrower;
- application form for a loan;
- documents showing the amount of income and deductions of the borrower for the last six months in the form of 2-NDFL or in the form of a bank;
- a photocopy of the work book with the signature and seal of the employer or other document confirming employment;
- for male borrowers under 27 years old - a military ID, for students in universities - a draft certificate of deferment from military service;
- for pensioners - an appropriate certificate and a certificate of the amount of the transferred pension for the last month;
- documents on the provided collateral, etc.
How to apply for a loan online at Rosselkhozbank?
You can take advantage of offers from Rosselkhozbank without visiting a branch of a financial institution. On the bank's website, everyone can leave an application online for obtaining the necessary credit funds.
In this application, the bank asks for the following personal data:
- passport data;
- place of residence and work;
- family composition and income.
Online application has a number of advantages in comparison with the more usual procedure for applying for a loan:
- After filling out the questionnaire on the bank's website, it instantly falls into the "hands" of an employee of a financial institution who reviews and processes it. This greatly reduces the waiting time for the client. If an employee of the Russian Agricultural Bank needs to clarify some points, he does this by phone.
- The bank provides different kinds credit programs and each of them requires a specific list of documents. To clarify this list in each individual case, you can talk to a bank employee.
- When filling out a questionnaire online, there is always the opportunity to use a loan calculator to carry out the required calculations. It will allow you to determine the maximum loan amount and monthly payment.
- Rosselkhozbank provides a discount to customers who apply for a loan online.
Rosselkhozbank - customer reviews of loans
Bank offices are located in almost every locality of the Russian Federation, thanks to which the RSHB has a well-established feedback with customers. Especially with those who apply to regional divisions. Most of the reviews, unfortunately, are mostly negative.
The main reason for dissatisfaction is that many clients cannot get a timely response from representatives of the Russian Agricultural Bank to their requests. And the reason for this is the most complex internal structure of the joint-stock company.
The main problem of the mutual work of the bank with the client is the extremely low level of service and temporary delays in the provision of information and services. Often, borrowers complain that they cannot get through to the support service and wait too long for a decision on a loan application. Wait times often exceed two weeks, when customer service terms should allow up to five business days.
Real interest rates on consumer loans do not always correspond to the declared ones, which also causes dissatisfaction among the citizens of the Russian Federation. Another popular problem is the frequent failures of ATMs and the unavailability of online services.
Finding positive feedback about the work of the bank is not an easy task. Even on the largest banking portals, where numerous opinions of borrowers and other banking clients are collected. The vast majority of these reviews affect the benefits and availability of mortgage programs.
Rosselkhozbank offers excellent lending conditions that allow borrowers to solve their financial problems. Of course, like any other bank, this joint-stock company wants to be sure of the solvency of its customers, therefore it makes rather high demands and requests documents confirming the regularity of income.
Before applying for a loan for the construction of a private house from Sberbank or applying for any other loan with the Russian Agricultural Bank, a potential borrower should make sure that they have a positive credit history, the required down payment (for a mortgage or car loan), and also request the necessary documents from the accounting department and check tax debt on TIN.
