At OTP Bank, credit cards are issued to both primary and existing clients. Terms of service and interest depend on the category (classic or gold) and type of plastic. Any of them can be issued online and received by mail (reviews confirm the reality of remote registration). Let's find out more about the credit cards of this bank.

The conditions of credit cards are directly related to the type of plastic and its category (gold, classic, for existing clients or primary ones). On this moment The line of credit cards includes:

• Home;
• Lightning;
• Clear category Gold;
• Gold for clients.

General conditions for OTP Bank credit cards

The terms and conditions of credit cards differ for each card. The following rules will be common to classic and gold credit cards of OTP Bank:

• size credit limit: determined individually, the maximum available amount is 1 million rubles;
• Availability grace period in 55 days: the interest-free period allows you to use replacement funds for free. To do this, after the end of the purchase period (lasts 30 days) and receipt of the statement, you must fully repay the debt and restore the credit limit in full within 25 days. Then no interest is charged on the loan (reviews confirm this);
• transactions at your own ATMs/terminals – no commission;
• release is free.

The remaining conditions for different cards will differ, which, judging by customer reviews, allows you to choose a card with the most acceptable service rules. Before you apply for an OTP Bank credit card (online or directly at a branch, received by mail or in person), let’s take a closer look at the key options of different cards.

Interest rates for using cards of different categories

Regardless of the registration method (remotely with receipt by mail or in person at a hospital department), a potential borrower will be able to choose a plastic card with the key options that are most interesting to him. Each card has its own characteristics, namely:

• Home: Credit card with 3% cash back on all grocery purchases. When you pay for groceries with a card, cashback is automatically returned to your card account, which, judging by the reviews, is quite convenient. In fact, customers receive a three percent discount. The first year the card is serviced free of charge, from the second year the cost will be 1,600 rubles annually. Interest is determined individually, the rate starts from 24.9%;
• Lightning: also a credit card with a 1.5% cashback, which is returned when paying with the card for any purchases. For Molniya (OTP Bank credit card) interest is from 19.9%. To obtain minimum bid It is enough to restore the credit limit on time within six months. Plastic is serviced free of charge, the card account can contain own funds, on which up to 7% per annum is charged;
• Clear GOLD category: no service fee, interest – from 27.9%.
• Gold credit card for clients with existing loan for which there are several payments left or for those who closed the loan in the last 3 months. The first year is serviced free of charge, from the second the cost will be 700 rubles. Interest – from 19.9%.

You can remotely apply for any OTP Bank credit card (delivery is made by mail, the application is online - on the website, reviews confirm the convenience of this service).

Requirements for borrowers at OTP Bank for registration

To issue any credit card (gold or classic, remotely delivered by mail or in the office), a passport is usually enough.

If it is necessary to provide additional documents, bank employees will indicate this at the review stage online applications. To be approved, a potential borrower must:

• be a citizen of the Russian Federation;
• actually reside in the region of treatment (at the location of the inpatient departments) and have permanent registration there;
• work continuously (at least 3 months by the time of application) or have a source of income in the form of a pension.

A borrower aged from 21 to 69 years inclusive can apply for a credit card (reviews of credit OTP maps banks confirm this fact). As you can see, the requirements are quite flexible, the final conditions (amount and interest) are determined individually, based on the information provided.

There are situations when cash is urgently needed. If there is no one to borrow money from or the amount collected is not enough, there is a way out - registration credit loan at OTP Bank. The procedure for applying for a loan takes place within fifteen minutes, and a minimum package of documents is required from an individual. Let's take a closer look at the loan terms.

Terms of lending at OTP Bank

Before applying for a loan issued in cash, it is advisable to clearly formulate the purpose: for what needs the loan is being taken. Having heard the client’s reasoned needs, the bank employee will be able to select the optimal lending program. It is also important to consider that this information will help draw up an individual agreement between the bank and the borrower. The credit limit, interest rate, as well as the regular payment schedule are calculated and prescribed individually for each client.

OTP Bank does not charge the client a commission for issuing credit funds, and also exempts from commissions for early repayment of a loan.

For getting detailed information about the conditions of issuance cash loan, bank clients can contact one of the OTP branches. To find the nearest branch and familiarize yourself with its operating hours, it is recommended to use a detailed online map, where you can also find information about ATMs and terminals. By calling hotline bank, you can get advice 24 hours a day:

Non-targeted and targeted credit loans

In the fields for entering information, enter the correct data on the level of income and the total payment on active loans (if any), as well as personal data. Then confirm your consent to the processing of personal data by clicking on the “Confirm” button.

The application is reviewed within several working days. After which, a bank employee contacts the client at the contact phone number specified in the online application to announce the decision and provide information on further actions.

Requirements for the borrower

Applying for a loan is a service available to most citizens. However, some categories of persons should carefully study the requirements for the borrower.

Employees

Clients of OTP Bank who wish to apply for a loan and are employed must take into account the following conditions and restrictions: presence of Russian citizenship; mandatory residence in the region in which the bank’s representative office operates; reaching 21 years of age at the time of application; the ability to repay the loan before the age of 68; availability of a certificate from an official and permanent place of employment; Availability length of service at the last place of work - from three months; availability of a document (if any) confirming receipt of an old-age pension or pension of a military personnel/employee of the Ministry of Internal Affairs.

To individual entrepreneurs and notaries

This list of mandatory requirements applies not only to notaries and individual entrepreneurs, but also to their immediate relatives who, at the time of receiving the loan, work for these individual entrepreneurs or notaries. These categories of citizens must take into account the following conditions and restrictions: presence of Russian citizenship; mandatory residence (registration) in the region in which the bank’s representative office operates; reaching 25 years of age at the time of application; possibility of repaying the loan before the age of 68 years.

It should also be noted that individuals who carry out entrepreneurial activity and at the same time do not pretend to be registered legal entity, must have a document confirming the registration of an individual entrepreneur that has been operating for at least one year. This requirement does not apply to relatives who work under these persons.

Requirements for the package of documents

Before submitting a written application for a credit loan, the bank client must make sure that all necessary documents. Depending on the individual data, the following documents should be attached to the application form:

• Passport of a citizen of the Russian Federation.
• A certificate confirming the tax registration of an individual (if available).
• Organization identification code number.
• Pensioner ID (if available).
• Certificate confirming the amount of monthly income.
• Certificate confirming state registration Individual entrepreneur (if available).
• Order of the Ministry of Justice on appointment to the position of notary (if any).

If the borrower applies for a loan amount from two hundred to four hundred thousand rubles, it is additionally necessary to provide a copy certified by the employer work book. In the absence of such a document, you can provide paper about current state personal account. This information can be sent to email jar.

If the desired loan amount exceeds five hundred thousand rubles, the client must also provide a copy of the work record book or a notice of the account status. In addition, bank employees will ask you to attach to your application a certificate of income for the last six months in Form 2-NDFL, which must be certified by the employer.

Applying for a loan at OTP Bank takes a minimum of time, and the loan agreement takes into account all the individual characteristics and wishes of clients. Thus, borrowers can receive cash on favorable conditions and without paying a commission for the procedure for issuing credit funds.

Consumer loans from OTP are quite affordable in terms of terms and requirements for the client. Fast issuance of an express loan and a reasonable period of issue for standard ones credit products, absence of collateral and guarantee... And at the same time it is noticeable high stakes- Why?

OTP Bank provides a wide range of consumer loans with a variety of conditions. For regular customers and borrowers - one bonus, for entrepreneurs - another, for pensioners - a third.

OTP Bank JSC is part of an international financial group of the same name, providing a universal package of services throughout Europe not only to individuals, but also to corporate clients.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

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It has an impressive capital of several tens of billions of rubles; in addition, it is one of the 50 largest banks in the country and market leaders according to Interfax.

Its policy is to build relationships with clients on mutual trust, which are tested by time and commitment.

What does the rate depend on?

comparison table

Bid	Term	Decision-making	Issue	Client category	Place of issue
OTP Standard
25,9–44,9%	12–48 months	2 days	2 days	Are common conditions	Bank branch
OTP Express
37,9–66,9%	12–36 months	15 minutes	15 minutes	General terms	Bank branch
Our people
23,9–47,9%	12 months–5 years	2 days	2 days	Regular customer, investor	Bank branch
Business people
29,9–37,9%	12–36 months	2 days	2 days	Individual entrepreneurs and notaries	Bank branch
Promo
11,9–14,9%	1–6 months	2 days	2 days	General terms	Bank branch
Online
14,9–39,9%	12–60 months	2 days	2 days	General terms	online
Smart combination
24,3%	6–36 months	15 minutes	15 minutes	General terms	shop
Payment 2013
39%	4–36 months	15 minutes	15 minutes	General terms	shop
Festive
20,13%	6–24 months	15 minutes	15 minutes	General terms	shop

OTP Bank trusts its clients, and therefore does not include in its list of requirements the transfer of property as collateral or the invitation of guarantors when concluding an agreement (with the exception of one product).

Every Russian citizen with registration, over 21 years of age and under 65 years of age can count on receiving a loan.

However, this trust must still be supported by something - the bank cannot just risk money and issue borrowed funds anyone.

Therefore, each time an agreement is concluded, except for those drawn up in the bank’s partner stores, the client must provide not only a passport, but also information about his employer in the form of a Taxpayer Identification Number (TIN), as well as a document confirming income. All this helps the bank to reduce rates a little and be more confident in the return of funds.

For each applicant, the bank calculates a personal interest rate based on scoring ( special system checking the client's solvency, the result of which is assigned a certain number of points). It is affected by the amount of income, the term of provision of funds, the category of the client, and even the reputation of his employer.

Of course, the interest rate consumer credit at OTP Bank "Promo" is significantly lower (almost twice) than others, since it requires inviting a guarantor and the loan period is very short.

Credit term

The loan term significantly affects the amount of overpayment. The already considered Promo loan, issued for a period of up to six months, has the lowest rate among the bank’s products from 11,9%. Loans with a duration of 60 months (“Online”) have a long-term base rate of 31,9%.

The difference is noticeable, but this is only the base rate, which can be increased to 39,9% !

Number of documents

OTP Bank provides three packages of documents for obtaining a loan, and all of them are tied to its size.

Naturally, the more information a client provides to the bank about himself, the lower the interest rate becomes.

Required documents:

• To receive an amount within 200 000 rubles, you only need a passport, a certificate of registration with the tax office, and the employer’s TIN. If the client receives a pension (for length of service, labor or as an employee of the Ministry of Internal Affairs), he must attach the appropriate pension certificate. The last paper on the list must confirm the income of the potential borrower: this could be an account statement, a copy of a passbook, or a certificate of pension.
• If the loan amount exceeds 200 thousand, but less 400 000 thousand, then, in addition to the above, you will need a copy of the work book certified by the employer.
• If the amount is more 400 000 rubles, you will additionally need to bring a 2-NDFL certificate for the last six months or a certificate of income in the form of a bank, which must also reflect income for six months and be certified by the employer.

Certainly, full list also includes an application form, but you can get it at a bank branch or download and fill it out yourself.

Issue time

For an express loan, the issuance time is 15 minutes - that is, money is issued immediately after approval.

It is difficult to check all the information about a client in a quarter of an hour, so the bank is reinsured with a huge interest rate - from 37.9% to 66.9% per annum.

Standard loans are issued within 1–2 days, so the rates for them are significantly lower. By the way, the bank reserves the right to extend the period for consideration of the client’s application without giving reasons.

Client category

Rates vary depending on the client category. Verified clients - borrowers who repaid their previous loan without any complaints or depositors who have had an account for at least 4 months, the base rate for them is – 27,9% for long-term obligations.

Risky clients - all the rest, however, for entrepreneurs and notaries they made an exception with base rate 29,9% .

Loan issue location

The loan can be issued:

• at a bank branch,
• through the Internet,
• in the bank's partner store.

The most reliable way for a bank is in its own branch.

Online is a little less reliable, and it is also quite difficult to verify the identity of the borrower.

But in the store it’s completely inconvenient, despite the fact that the contract is drawn up by qualified personnel who are simply not in the branch, but behind the counter. However, all of this has an impact on the interest rate.

Comparison with other banks

Despite all the advantages, services similar to the OTP Standard loan from other banks are often much more attractive.

OTP Bank positions its loans as accessible to everyone - no collateral, no guarantee. In fact, the interest rates that compensate for the refusal of collateral make consumer lending in it unprofitable.

OTP Bank is well known in Russia. The size of its customer base is about 4 million people. Individuals who contact this organization can apply for a cash loan on terms that suit them to the greatest extent.

Lending terms

When issuing a loan, calculating the credit limit and interest rate,A Also, the establishment of a payment schedule is carried out individually for each client.

The loan amount can range from 15,000 to 1,500,000 rubles. Moreover, the established maximum includes all loans that are not currently repaid. The interest rate ranges from 14.9% to 46.2% per annum. Timely and full implementation monthly payments may be a reason to lower it to 12.5%.

The table below shows the approximate range of loan rates depending on the terms and the presence of an active bank account.

OTP Bank does not charge additional fees for providing financial assistance and early repayment of borrowed funds.

Requirements for borrowers

There are few requirements for bank clients wishing to receive a loan:

1. Age: from 21 to 69 years.
2. Status of a citizen of the Russian Federation.
3. Permanent registration in the region where one of the bank branches is present.
4. Permanent job and work experience of at least 3 months.

Required documents

The following documents will need to be provided:

• application form;
• passport of a citizen of the Russian Federation;
• TIN (yours and your employer’s);
• a certificate of income for the last six months, or a statement of the card account for the same period (if an amount of more than 400 thousand rubles is required);
• pension certificate (if any);
• a copy of the work record book certified by the employer (for loans in the amount of 200 thousand rubles).

You may need to attach one of the additional documents to the main package:

• driver's license;
• international passport;
• SNILS;
• military ID.

IMPORTANT: In some cases (if the loan amount is large enough), it may be necessary to provide collateral, orattracting a guarantor. Fulfillment of such requirementswill allow you to significantly adjust the interest rate.

How to conclude an agreement

To apply for a loan, just visit the nearest branch of the organization, or use the capabilities of its official website (www.otpbank.ru) and send a special online application.

During a personal meeting, the bank manager selects the optimal conditions for obtaining a loan, taking into account the needs and capabilities of the client. To independently select a suitable loan program, you can use a special calculator, which is located on the previously mentioned Internet resource.

When submitting an application online, it takes up to 2 days to make a decision.

Submitting an online application

Filling out an electronic form on the bank’s website allows you to significantly save time. To carry out this procedure, you will need to complete the following steps:

1. Open the main page of the OTP Bank website.
2. Click on the “Cash Loans” tab.
3. Next, select “Apply for a loan.”
4. Fill out the fields of the form that opens, indicating the following information:
   • your full name and date of birth;
   • contact details: phone number, e-mail;
   • preferred cash withdrawal point (select from the list provided);
   • short description credit history(select one of the indicated options);
   • type of employment (similarly - one of the proposed ones);
   • length of service (in months);
   • click “Continue”.
5. In the appropriate fields, indicate your passport details, gender and place of birth.
6. Completely enter the address at which permanent registration was registered, specify the duration of residence in this place (if the registration does not coincide with the actual address, then you need to remove the confirmation from the corresponding field).
7. Provide all necessary information regarding place of work, employment status and length of service.
8. Enter data on marital status, the number of minor children and the level of education of possible contact persons (you also need to indicate the degree of relationship with them and their mobile phone numbers).
9. In the “Finance” block, determine one of the proposed purposes for obtaining a loan, provide information about the available movable and real estate, register the level of income;
10. Click “Finish”.

Some time after completing the last point, the system will make a preliminary decision on the possibility/impossibility of providing a loan.

IMPORTANT: If the result was negative, you will be able to submit a second application only after a month. At the same time, the potential borrower still retains the right to directly contact any of the organization’s branches.

Credit programs

OTP Bank provides a number of different offers related to the field consumer lending in cash. They have different special purpose and are issued on different conditions, changing in accordance with the status of the borrower.

"Privilege Corporation"

Under this program, the client receives 75–750 thousand rubles. The loan rate is 15.9% per year. The length of the loan period can range from 12 to 60 months. Only employees of bank-approved companies who have received an offer to use lending services personally from an employee of a financial organization have the right to receive such a loan.

"Our people"

Only regular, well-established clients of the bank have the opportunity to take advantage of this offer. The borrower can become “our own person”, provided that he has:

• fully repaid loan without delay;
• salary account (deposit) in this financial organization;
• active contract with 4 timely payments.

Such citizens are given the opportunity to obtain a loan for 55 – 750 thousand rubles. The loan rate is 28.9% per annum, and it can take up to 5 years to repay the debt.

"For business people"

This offer can only be used by notaries and individual entrepreneurs. They have the right to receive financial assistance in the amount of 15 to 200 thousand rubles. Credit rate determined individually (but not less than 34.9% per year). The period allotted for debt repayment is 1-2 years. No collateral or guarantor is required.

The minimum age for lending under this program is 25 years (maximum 65 years). Required work experience: 12 months. In addition to your passport and TIN, you must present a certificate confirming state registration individual entrepreneur, or an order of the Ministry of Justice (for notaries).

OTP Standard

A classic option that allows you to borrow 76 – 500 thousand rubles for a period of up to 2 years. The loan rate is 30.9% per annum.

OTP Express

True to its name - the most quick way providing a loan. The borrower is offered a relatively small amount of 15 to 75 thousand rubles at a rate of 42.9% per year. No more than 3 years are given to repay the loan. The registration procedure lasts a quarter of an hour. The list of documents is limited to a passport, TIN and any additional ones of the client’s choice.

Cash loan using passport

A popular line of loans, the peculiarity of which is the quick (within 24 hours) provision of the required amount (from 76 to 750 thousand rubles). The contract is drawn up only using a passport, no other documents are required from the client, bank employees find all the necessary information themselves. The rate is set at 23.9% to 31%; the borrower may have up to 5 years to return the borrowed amount.

How to repay an OTP Bank loan?

The repayment of borrowed money is carried out in accordance with the schedule attached to the agreement monthly payments. It is better to make money transfers to the required account 2-3 days earlier than the date on which the payment is scheduled, since during weekends and holidays they may be delayed (this leads to delays and demands to pay a fine).

Monthly fees for credit account produced in several ways:

In the absence of timely payments, the borrower is charged a penalty in the amount of 20% per annum of the debt amount for each day of delay.

Many citizens of the Russian Federation managed to take advantage of lending programs from OTP Bank. Their reviews allow you to get an idea of ​​the positive and negative aspects of these products.

Among the main advantages are:

• convenience of drawing up an agreement and receiving borrowed funds (for example, at the nearest ATMs of the organization);
• the ability to pay monthly contributions via the Internet;
• availability of a calculator for independent selection of the most favorable conditions;
• availability of free access to numerous services of the official website;
• opportunity preferential lending for a period of up to 55 days without interest.

The disadvantages include:

• duration of enrollment money transfers(especially for weekends and holidays);
• cases of refusal to provide a loan after approval of the online application.

In general, the Bank and its employees adhere to a very loyal policy towards borrowers and try to meet them halfway when problematic situations arise.

Getting a loan without an income certificate

Applying for a loan at OTP Bank without certificates and guarantors is possible only if the loan size does not exceed 400 thousand rubles. Otherwise, you will need to provide (one of two):

• certificate form 2-NDFL;
• certificate in the form of the bank.

If these papers are available, the bank will have no reason to refuse.

Bank services for monitoring the loan

If you have questions regarding the payment schedule, specific amounts and dates, you can use one of the services offered by the bank:

All this will help make lending simple and accessible.

Questions and answers

1. What to do if it is not possible to make a payment on time?

For individuals who applied for a loan at one of the organization’s branches, it is possible to postpone the payment date. If the previously established schedule has become inconvenient, you can submit an application requesting its revision. If the decision is positive, the dates for making contributions will be revised.

1. What are the consequences of missing a payment?

In this situation, the Bank will charge a fine. This case will also be reflected in the borrower’s credit history. Therefore, in case of any difficulties, you should immediately contact bank employees. They will help you find the most optimal way out of the current situation.

1. How to repay a loan early?

The borrower can make full or partial early repayment loan. To do this, it is enough to write an application in accordance with the established form in one of the organization’s branches, and then deposit the required amount into the credit account. If the repayment was partial, a new payment schedule will be drawn up for the borrower.

These are the most significant information regarding consumer cash lending at OTP Bank. For additional advice, you can contact bank employees by phone 8-800-100-55-55? (the call is free).

OTP Bank has released its own application, OTP Credit, for mobile phones. The program allows clients to control loans and personal accounts. Installation is free, but only bank clients can log in. After registration, access to the borrower’s personal data is available. Using the service is convenient; you do not need to visit a bank office or communicate with call center consultants.

What is the application for?

It’s worth installing OTP Credit on a smartphone or tablet for several reasons:

1. Obtaining information about the status of your personal account, loan balance, and payments made remotely. The client does not have to visit a bank branch or make a request by phone - all data is displayed in the personal account of the application.
2. Obtaining information about the nearest bank customer service points, ATMs and OTP branches online.
3. Convenient loan repayment, at any time of the day, regardless of location.

Thanks to one application, all information about open loans in OTP Bank is at hand. And to receive it All you need is internet access.

Where to download the application and how to log in

You can download the application to your phone in several ways:

• on the official website of OTP Bank (you will be transferred to Google Play or App Store);
• via Google Play (for Android smartphones) or App Store (for iPhone);
• through third-party Internet resources.

It is better to use official sites - installation is free, and there is no risk of infecting your phone with a virus program. The only requirement is the presence of a registered page in the online store, since anonymous installation is not provided.

After installation, the user must log in. It's easy to do - just enter the number mobile phone, and then confirm with the code received in the SMS message. To log in later Personal Area no need to enter login and password.

Simplified identification is available only to OTP Bank clients by phone number, which is stored in the database (attached to the loan agreement).

Installing the program on a computer is not yet possible due to incompatibility with the Windows operating system.

What are the functions?

Registration in mobile application provides access to numerous functions:

Thanks to the program, you can perform various Bank operations without leaving home and without using a computer. Using a desktop PC, you can log into your personal account on the bank’s website, where similar functions are presented.

How to pay a loan through the application

The application allows you to pay for loans received from OTP Bank using bank card, bank transfer, through the employer’s accounting department or Russian Post, or give the application access to geodata and find the nearest bank office or payment acceptance point.

The service is provided free of charge, the transfer fee will be calculated in accordance with the tariffs of the payment acceptance point.

To close a loan early, just find out the balance in the OTP Credit application and deposit the amount using any of the above methods. In the “about the loan/details” tab, find the line “debt balance” and use this amount without rounding down the penny.