Consumer loans have not lost their relevance, and according to financial analysts, they will retain their trend positions in the interbank market for a long time. In accordance with this, there is a trend towards a stable decline in interest rates on consumer loans. The leader in this segment of the retail business today is Rosselkhozbank, offering the most profitable interest rates for this banking product.

So, consumer loan at Rosselkhozbank in 2019: the interest rate remains the lowest in comparison with competitors’ offers. In the field of retail lending, RSHB offers several programs with attractive conditions:

• Unsecured loans and without involving guarantors;
• Secured loans;
• Loans secured by existing housing.

At the same time, consumer loans are offered under specialized programs for those employed in the agricultural sector:

Offers for members of the “Society of Gardeners of Russia”; “Gardener” program – for owners of summer cottages and land; " Engineering Communication» – for organizing the connection of gas equipment and water supply.

Rosselkhozbank presents standard requirements to the borrower, consisting of age restrictions, work experience, Russian citizenship, as well as the provision of supporting documents. So, taking out a consumer loan from Rosselkhozbank, interest rates in 2019 have been reduced for the convenience of clients, is no more difficult than in any other financial institution. By turning to the opinion and advice of financial experts and credit brokers, you can find out for yourself a number of simple but useful tips about how to take out a consumer loan on favorable terms and at a reduced interest rate. First of all, choosing credit program, it is worth carefully studying the official website of the bank. Having chosen several acceptable programs, you need to carefully study the terms of the loan, and also identify for yourself the categories of clients who are subject to, so to speak, “loyalty programs”. In relation to lending conditions at Rosselkhozbank, reductions in interest rates and special conditions are provided for the following client categories:

Salary project participants and employees budget areas; Pensioners - holders social cards jar; Regular clients of the bank with a positive borrower history, as well as those who have opened deposits and deposit accounts with the bank.

In addition, a guarantee of receiving a cash loan from the Russian Agricultural Bank is the provision of collateral property and an expanded package of documents confirming financial condition client affairs. Also, the interest rate may be reduced during the New Year or Christmas holidays. But let’s look at the current offers and interest rates in the retail business segment.

Loan calculator Rosselkhozbank: consumer loan 2019

Having the desire and need to get a loan, you need to find out the interest rate. Which in 2019 varies from 11 to 25% per annum, and within the framework of special lending programs from 7.5 to 12.5%. In comparison with the average market indicators, the presented rate in the Russian Agricultural Bank is reduced. The optimal parameters will help you calculate credit calculator online, even with the initial general calculation will be profitable. When considering what percentage is offered by the bank, it is advisable to consider the entire range of offers.

Thus, for “preferential” categories of clients - pensioners, participants in salary projects and regular clients, the percentage component varies from 11.5 to 19.6% when insuring liabilities, and when refusing the services of insurers, the rate will be from 17.6 to 24.5%. For new clients, the percentage varies from 18 to 25%.

The loan amount is up to 750 thousand rubles, and holders salary cards can apply for a loan of up to 1.5 million rubles. When operating online banking, an online application can be submitted, which will save time on registration, and also makes it possible to receive an answer without visiting a branch. In addition, according to numerous reviews, sending the application to personal account online gives more guarantees of a positive decision on the application.

Also, for the convenience of potential borrowers, a calculator allows you to calculate a consumer loan from Rosselkhozbank in 2019 on the official website and in your personal account, allowing you to determine the monthly installment and the amount of overpayment, as well as full cost line of credit.

Consumer loan at Rosselkhozbank: conditions and interest

Terms for consumer loans vary depending on the credit line. Thus, for offers with loan collateral, the rate varies from 11.9 to 24.9%. The upper limit is presented for borrowers who waive liability insurance.

Other parameters of consumer loans:

1. Available amount is up to 1 million rubles, for those receiving salaries on a bank card - up to 2 million;
2. Contract term – up to 5 years;
3. Possibility to choose the type of payment – ​​annuity and monthly.

Pension consumer loans

Within this line, pensioners are divided into two categories: those receiving pensions on a bank card and other pensioners.

The interest rate is:

• For holders of social pension card products – from 11 to 15%;
• For other pensioners from 15.5 to 17.9%.
• If you refuse insurance, the rate will be from 16.9 to 18.5%.
• As part of special offers for gardeners, the percentage will range from 7.5 to 11.5%.

Thus, consumer credit, which depends on the line of lending, is one of the most advantageous offers in the interbank market. The reliability of the financial institution, the trusting attitude of the partners, as well as extensive experience in the interbank market, in the retail business segment and the provision of borrowed funds in particular should be noted.

Content

Popular article in activity banking institutions countries - lending to the population. Rosselkhozbank is no exception in this regard, especially since the bank has special programs for some categories of the population. What kind of proposals are there and what are the lending conditions at Rosselkhozbank? Let’s look into them carefully.

How to get a loan from Rosselkhozbank

The bank is happy to provide loans to the population of the country at a certain interest rate. Anyone can take out a loan from Rosselkhozbank, subject to certain conditions, which will be discussed in detail below. As with other financial institutions, to obtain a loan you will need to provide some documents, the list of which will depend on the intended purpose of the amount. Without a doubt, you will definitely need a passport. Not a fact, but the bank may also ask you to attach the following to your loan application:

• income certificate or account statement;
• work book, or rather a copy of it;
• documents proving the presence of children and marital status;
• military ID if the man is under 27 years of age;
• documents for collateral confirming ownership of real estate.

Loans from Rosselkhozbank

According to official information provided on the bank’s website, the organization offers individuals several lending options from consumer loan cash before the mortgage loan. It is important to know that Rosselkhozbank loans are an excellent opportunity for owners of subsidiary plots to receive borrowed funds for the purchase of animals, reconstruction and repair of buildings on personal farmsteads (LPH) and other objects of the property complex, which will allow thousands of entrepreneurs to successfully develop and run their business.

Rosselkhozbank provides loans for the purchase of machinery and equipment to agricultural business owners, both legal entities and individuals. Borrowers can get a consumer loan from the Russian Agricultural Bank for a car or other movable property, but it is worth knowing that the lender gives loans in rubles, and not in any currency, for example, euros or dollars.

Rosselkhozbank – cash loan

The possibility of obtaining borrowed funds in cash for citizens exists upon presentation of a passport. A cash loan from Rosselkhozbank is issued both with and without collateral. When choosing a product, you should know that the bank issues non-targeted consumer loans for the needs of citizens, and each of them will have its own conditions. It is much easier for reliable clients to take out a cash loan from Rosselkhozbank - you do not need not only collateral in the form of any liquid property, but also the amount base rate for them it is set at a lower level.

Cash loan without certificates and guarantors

If there is a need, it is possible to get a cash loan from Rosselkhozbank without certificates or guarantors. Purpose no one will be interested in a loan - the person himself is free to spend money on what he needs. The decision is made within a few days. If the client is approved for a loan, he can receive the money within a month and a half, otherwise he will have to apply again.

Money is issued in cash, although the client can ask to transfer it to his card account if this option is more convenient for him. The entire amount is disbursed once. The loan is repaid according to the schedule, and it is not necessary to visit the bank every time, since it is possible to pay the debt through ATMs and self-service points, as well as online.

Consumer loan of Rosselkhozbank

The Bank takes a differentiated approach to loan applicants, therefore individual categories he has developed branded products. Firstly, bank clients can use the service of refinancing one or more loans taken from third-party banks. The borrower will be given a choice of an annuity or differentiated repayment scheme.

Secondly, as the name of the bank suggests, it provides loans not only to agricultural organizations, but also to ordinary citizens associated with this activity. The bank has certain lines of consumer loans from Rosselkhozbank for:

• members of the Union of Gardeners of Russia;
• laying communications (heating, gas, water, sewerage, telephone, electrical wiring);
• owners of summer cottages and garden plots (product “Gardener”).

Loan terms at Rosselkhozbank

Like other banking organizations, Rosselkhozbank makes a number of requirements for those who want to borrow money from it. You must be the holder of a passport of a citizen of the Russian Federation and have a minimum work experience of at least 3 months in your current place - these are the main conditions for obtaining a loan from Rosselkhozbank. In addition, the bank will require that the client be permanently registered in the region where the branch where he makes the request is located.

Loans from Rosselkhozbank can be obtained by citizens aged 21 to 65 years. In this case, men under 27 years of age will have to present a military ID when applying. If a loan applicant earns money from a bank, then there are bonuses for him - he can claim an amount much larger than other loan applicants. When applying for a large amount(more than a million) the client can attract an additional co-borrower. RSHB requires the client to have life insurance when receiving a consumer loan, otherwise the rate will be more high percent.

Interest on loans

It is important to know that interest on loans from Rosselkhozbank depends on whether the client receives a salary from the bank or not. In addition, when applying for borrowed funds for a period of up to 12 months, the client has the right to count on a reduced interest rate. Participants in salary projects of Rosselkhozbank and state employees when registering consumer loans offer your own rate. To attract customers, the banking organization constantly holds promotions, so you can always count on more profitable terms compared to other banking structures.

Mortgage

By submitting only two documents - a civil passport and any other identification document - individuals have access to a mortgage from Rosselkhozbank. There are no loan fees, and you can take out a loan for up to 25 years. Loan applicants will need to deposit an initial fee from 40 to 50%. You can use a loan not only to buy or build an apartment, but also to purchase a house with land, and the building must be residential (you can buy a townhouse). According to the agreement, the purchased home is pledged.

Mortgage for pensioners

There is no accurate information on the official website about whether mortgages are provided to pensioners at Rosselkhozbank. However, if you carefully study all the conditions, it becomes clear that people who have taken a well-deserved vacation can qualify for this loan option, but on the condition that the last payment on it will be made before the person turns 65 years old.

Mortgage with maternity capital in Rosselkhozbank

A mortgage with maternity capital from Rosselkhozbank will allow you to buy a house, apartment or other housing. To do this, you must provide a state certificate for maternal capital and a certified certificate from the Pension Fund about the balance of funds on it. If the amount of capital is sufficient, then the loan applicant will not have to look for money for the down payment, otherwise it will be necessary to find money in the amount of 10-20% of the cost of the purchased property. It is important that the capital must be used to repay the loan within 3 months from the date the loan was issued.

Loans for non-working pensioners

If a mortgage from Rosselkhozbank is not available to all people who have taken a well-deserved vacation, then it is worth considering consumer loans for non-working pensioners, since citizens under the age of 75 can apply for them. Loans are issued to pensioners at Rosselkhozbank for any purpose without any collateral. The loan amount can be a minimum of 10,000 and a maximum of 500,000 rubles. Interest rates will depend on the period of provision; in addition, they will be reduced when receiving a pension into an account at Rosselkhozbank.

Pensioners should be informed that if they refuse life insurance if they receive a loan, the interest rate at Rosselkhozbank will be increased by 6%. If the applicant turns 65 years old by this time, the rate rises by another 6.50%. The maximum borrowing period will be from 5 to 7 years, depending on the age of the pensioner. If a person applies for a loan for a period of less than a year, and the requested amount exceeds 200,000 rubles, then a preferential rate of 11.5% will be applied.

Calculate a loan at Rosselkhozbank - calculator

The bank tries to do everything possible to make it profitable for clients to cooperate with it. For this reason, anyone can use the Rosselkhozbank loan calculator to calculate the amount monthly payments. To do this, there is no need to look for the corresponding section of the site, since the calculator can be found at every credit offer Rosselkhozbank. However, you should not rely entirely on the figures given, since the calculation is approximate for reference only, and specific figures will be indicated to the client at the branch.

Rosselkhozbank mortgage calculator

No different from ordinary mortgage calculator Rosselkhozbank. Here you need to indicate:

• the requested amount;
• loan term;
• down payment percentage;
• average monthly income;
• choose a repayment option and agree/disagree to insurance.

Online application for a loan at Rosselkhozbank

Those applying for a bank loan do not need to visit the office at the initial stage, since they have the opportunity to fill out an online loan application at Rosselkhozbank. After reading the terms of the loan and estimated payments, you need to click the “Apply online” button. The client will be redirected to a page where he needs to fill out a form by entering personal data, selecting the branch where he plans to loan money and its amount, and then clicking “Submit Application.” If the information is filled out correctly, the specialist will contact the client for further work.

Rosselkhozbank shares

To attract more clients and create optimal lending conditions, you can always familiarize yourself with the following information on the website and in bank branches: special offers. Rosselkhozbank promotions are held constantly, so it is worth following the information, since in this way you can choose the best, optimal lending option if there is a need for Money Oh.

Promotions concern most credit products, regardless of whether it is a mortgage or a loan for pensioners. Today, on the RSHB website you can see that the bank offers a reduced interest rate provided that the loan is issued for a period of less than one year. There are many interesting offers in mortgage lending for those options where Rosselkhozbank is a partner. It’s easy to choose the right product, and if you have any doubts, you can always consult with the call center specialists.

Video: How to get a loan from Rosselkhozbank

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Rosselkhozbank is the country's second largest financial institution by assets, offering a wide range of banking products. It includes a network of branches (more than 1,500), which are open in all major cities, which ensures the availability of the services offered to the population. How to get a loan from Rosselkhozbank without guarantors and in a short time?

Currently, the bank lending procedure has been significantly simplified. Rosselkhozbank provides the opportunity to obtain a loan for a large sum without security (in the absence of collateral and guarantors). Thanks to this policy, the institution is constantly increasing the number of borrowers who take out loans under various programs.

Loan products of Rosselkhozbank without guarantors

Bank offers on loan products:

1. Consumer without security. The program provides for the issuance of funds to the borrower for non-purpose purposes, without the need to register property as collateral or attract guarantors. At the same time, registration according to a simplified scheme applies to clients of the institution who have a salary card, borrowers who have personal subsidiary farm, employees budgetary institutions, employees agricultural enterprises.
2. Lending to pensioners. The bank's clients who receive a pension through it enjoy special privileges.
3. Targeted lending for the purchase of household appliances, tools, electronic devices and gadgets, for repairs or for vacation packages.
4. Car loans. Provides for the issuance of a targeted loan for the purchase of a car.
5. Mortgage credit lending. Applying for a loan for the purchase of finished housing, a plot for residential development or for housing construction.

Requirements for borrowers

What requirements does the bank impose on the borrower?

• The borrower must have Russian citizenship and an internal passport of a citizen of the country.
• Particular attention is paid to the place of permanent registration.
• Applications are considered from citizens who are already 22 years old or will be 65 years old at the time of last installment on loan.
• Work experience, according to work book, must be at least one year (for the previous 5 years), at the time of execution of the contract - continuous work in one place for 4 months.
• There are special instructions for the regions of Stavropol and the Caucasian republics; future borrowers must be registered in these regions, and also have an official permanent job.
• The applicant must provide a certificate from the main place of work indicating the amount of wages for 6 months (including bonuses and accrued bonuses for special working conditions). It is advisable to prove the presence of other sources of income: from parallel part-time work, renting out housing, from entrepreneurial or trading activities, running household, private practice and other types permitted by the legislation of the Russian Federation.
• Owners of individual subsidiary farms provide the following documents: the right to lease or own the land on which the farm is located and an administrative record from the household book on the management of private household plots (at least one year). Documents are required only if individual business is conducted at the place of registration of the borrower.

Having a complete set of documents increases the chances of loan approval by Rosselkhozbank. In addition, the institution can decide on the lending rate individually. A conscientious borrower with a good income and positive credit history, has the right to hope for a lower interest rate.

Terms of consumer lending without collateral

The institution issues consumer loans for a variety of purposes without collateral or guarantors.

Conditions for receiving:

1. The minimum amount is 10 thousand rubles, the maximum is 750 thousand rubles. For regular customers of the bank - 1 million rubles.
2. The interest rate is 30-35% per annum, minimum size provided to Rosselkhozbank clients who have card or deposit accounts.
3. Validity period from 1 year to 5 years.
4. Required condition— life and health insurance of the borrower with the provision of a document confirming payment of the premium.
5. The application verification period is 5 working days.
6. The amount can be transferred in whole or in parts, as agreed by the borrower, to his account.
7. The borrower has the right to repay the loan early without paying additional payments, fines and fees.

Conditions for car loans from Rosselkhozbank without guarantors

The bank provides loans for the purchase of new and used Vehicle the following types:

• passenger cars;
• trucks and agricultural machinery;
• vehicles intended for the transport of passengers;
• trailers

Purchasing conditions vary depending on the type of vehicle:

1. New cars Russian or foreign production. Their cost should not exceed 3 million rubles, the initial contribution is 10%. The overpayment on the loan is 22-25% per annum. Validity period: up to 5 years. For the entire loan repayment period, the car becomes the property of the bank.
2. Used cars. The conditions for the price and period of the loan are the same. The initial payment is 20% of the cost, and the rate is 24-27% per annum.

Mortgage lending without guarantors

Rosselkhozbank offers various offers for mortgage lending:

• for the acquisition of a plot for the construction of a residential building;
• for the purchase country house;
• for the purchase of an apartment in a residential building;
• to build your own home.

The smallest loan amount is 100 thousand rubles, the largest is 20 million rubles. The period for which the loan is issued is up to 25 years; for the entire payment period, the object becomes collateral to the bank. The initial contribution for mortgage lending will be 15% of the cost of housing already completed or under construction and 20% if participating in shared construction. Overpayment of interest - 17-19% per annum.

How to get a loan from Rosselkhozbank?

To get a loan from a bank, you will need:

1. Contact your regional branch with a loan application and a package of documents.
2. Submit an online application. Fill out the form, come to the bank branch on the appointed day and document your data.

The decision to issue a loan without guarantors is made within 5 working days.

What loans does Rosselkhozbank offer to the population in 2018?

Bank RosSelkhozBank

Rosselkhozbank offers loans to individuals for various purposes, and is doing this more and more actively. Thus, at the beginning of 2018, Rosselkhozbank offers loans to individuals under 22 programs that can be issued at 1,600 points throughout the country. It should be noted that loans from Rosselkhozbank, according to the terms of registration, are divided into categories of borrowers (for individuals, for participants salary project, for “reliable” clients) and targeted subprograms (mortgage, car loans, consumer...).
Loans from Rosselkhozbank are mainly aimed at rural residents and owners of private farms, but are also actively issued to the population of cities.

Rosselkhozbank is state bank (100% of the shares belong to the state), and according to the Bank of Russia it is one of the 30 largest banks in the country and 10 systemically important banks in Russia. The bank ranks second in Russia in terms of the number of branches (73 branches and about 1.2 thousand offices in the regions of the country in 2017), of which more than half are in small towns and rural settlements, which indicates that the bank pays special attention lending to individuals living in rural areas.

All loans that Rosselkhozbank has offered to individuals since the beginning of 2018 are divided into the following types:

To receive a loan from Rosselkhozbank according to the chosen type, the borrower must meet the following bank requirements:

• Be a Citizen of the Russian Federation


• Be aged 18, 21 or 23 years (depending on the program).


• Have an age at the time of repayment of the loan under the contract up to 55 - 60 years, for individual loans up to 65 or up to 75 years, up to 45 years for a military mortgage.


• Have work experience or continuous work experience of at least 6 months.

Loan terms at RosselkhozBank

As of February 2018, Rosselkhozbank offers individuals the following types of loans and conditions for them:

№	Lending program for individuals	Loan currency	Maximum loan amount	Interest rate	Credit term	Age at the time of loan provision	Security
1.		Russian rubles	RUB 1,000,000; RUB 1,500,000 (for clients receiving wages to a bank account for at least 6 months)	over 200,000 rubles - from 10.00% - from 15.00%; for an amount up to 200,000 rubles - from 14.00 - from 16.50%;	Up to 7 years (up to 12 months, from 12 to 60 months; from 60 to 84 months)	From 21 years old	no collateral required.
2.	Loan - Consumer without collateral	Russian rubles	RUB 750,000; RUB 1,500,000 (for salary clients who receive wages into a bank account for at least 6 months)	over 200,000 rubles - from 10.00% - from 16.5%; up to 200,000 rubles - from 12.50% - from 18.0%	Up to 5 years, Up to 7 years (up to 12 months; from 12 to 60 months)	From 23 years old	no collateral required
3.	Loan - Consumer with collateral	Russian rubles	RUB 1,000,000; 2,000,000 rub. (for salary clients who receive wages into a bank account for at least 6 months)	up to 200,000 rubles - from 12.50% - from 16.50%; over 200,000 rubles - from 10.00% - from 15.00%	Up to 5 years and Up to 7 years - (up to 12 months, from 12 to 60 months, from 60 to 84 months)	from 18 years old	guarantee of at least 1 individual; pledge of liquid property of the Borrower / Co-borrower(s) / legal entity or a third party (individual).
4.	Pension loan	Russian rubles	up to 500,000 rubles	up to 200,000 rubles - from 12.50% - from 16.50%; over 200,000 rubles - from 11.50% - from 15.00%	Up to 5 years and up to 7 years (up to 12 months; from 12 to 60 months; from 60 to 84 months)	For people of retirement age with a maximum age of 75 years	Not required
5.		Russian rubles	10,000,000 rubles (no more than 50% of the value of the collateral)	from 12.5%, from 13.5%	Up to 10 years	From 21 years old	Pledge (mortgage) of a real estate property owned by the Borrower and/or Co-borrower and/or Guarantor (apartment or residential building with land plot, townhouse)
6.		Russian rubles	RUB 750,000; 1,500,000 rubles (salaries) or 3,000,000 rubles (no arrears)	salary and reliable - from 12.50% - from 14.50%; budget - from 11.50% - from 13.50%; other - from 13.50% - from 15.00%	up to 5 years and up to 7 years - (up to 12 months; from 12 to 60 months; from 60 to 84 months)	23 years old	If the loan is secured by: Not required
7.		Russian rubles	750,000 rub. and 1,500,000 rub. (participants of the bank’s salary project)	Standard rates - from 13.50% - 15.75%; for clients of partner companies - not less than 6.75% - not less than 15.00%	up to 5 years (up to 12 months; from 12 to 24 months; from 24 to 36 months; from 36 to 48 months; from 48 to 60 months)	from 23 years old	not required
8.	Gardener (Loan “for all occasions”)	Russian rubles	RUB 1,500,000	from 13.25% - from 16.50% (pledge of liquid property); from 13.50% - from 16.75% (with guarantee);	Up to 3 (non-targeted loan) and up to 5 (targeted loan) years	from 23 years old	surety of a legal entity
9.	Engineering Communication	Russian rubles	up to 500,000 rubles	from 13.50% and from 16.75%	Up to 5 years (up to 12 months, from 12 to 60 months)	from 18 years old	at least 1 guarantee from an individual; surety of a legal entity pledge of liquid property of the Borrower/Co-borrower(s) or a third individual surety (or pledge of property) of a legal entity.
10.	Loan for the purchase of a new car	Russian rubles	3,000,000 rub. (down payment of at least 15% of the car's value)	from 13.50%	Up to 5 years	from 18 years old
11.	Loan for the purchase of a used car	Russian rubles	up to 3,000,000 rubles (payment from 25%)	from 17.50%;	up to 5 years	from 18 years old	pledge of the purchased car
12.	Special offers from developers (22 developers)	Russian rubles	up to 3,000,000 rub. and more (contributions - up to 30%; from 30% to 50%; 50% and more)	% depend on the developer, term or category of borrower, initial. contribution (from 5.17% - from 10.25%)	up to 30 years	from 21
13.	Mortgage (Home mortgage lending)	Russian rubles	20,000,000 rub. (down payment depends on the category of real estate - no less than 15%; no less than 20%; no less than 25%; no less than 30%)	from 8.85% to 12.00% (depending on the client’s category, amount and purpose of lending)	up to 30 years	from 21 years old	pledge of purchased real estate
14.	Target mortgage	Russian rubles	20,000,000 rub. (no more than 70% of the market value of the object)	from 9.05% to 12.00% (depending on the type of property purchased and the category of clients)	up to 30 years	from 21 years old	pledge of the existing real estate of the borrower, co-borrower, guarantor (apartment, residential building with land, including townhouse).
15.		Russian rubles	20,000,000 rub. (contribution - at least 15% or 20%)	from 8.85% to 12.00% (depending on the category of the client, the purpose of the loan)	up to 30 years	from 21 to 35 years (for a young family)	Pledge of purchased (built) at the expense of credit funds Bank of the property
16.	Mortgage under two documents	Russian rubles	8,000,000 rub. or 4,000,000 rub. (depending on the region) and no more than 60% of housing in apartment building or 50% of a residential building with a land plot	from 9.35% to 12.50% (depending on the purpose, client category)	up to 25 years	from 21 years old	housing deposit
17.	Military mortgage	Russian rubles	RUB 2,230,000 (payment - from 10%)	10,75%	From 3 to 24 years	from 22 years with maturity up to 45 years	Pledge (mortgage) of the purchased property
18.	Mortgage refinancing	Russian rubles	20,000,000 rub. (Moscow), 15,000,000 rub. (St. Petersburg), 10,000,000 rub. (Moscow region), 5,000,000 rub. (other cases)	from 9.05% to 12.00%	Up to 30 years old	from 21 years old	Pledge (mortgage) of real estate or property rights under a refinanced loan (loan).
19.	Mortgage with state support for families with children	Russian rubles	8,000,000 rubles (Moscow, Moscow region, the city of St. Petersburg and Leningrad region) 3,000,000 rubles (in other territories of the Russian Federation)	Preferential rate - 6%; Basic - 9.3%	Up to 30 years old	from 21 to 65 years old	Pledge (mortgage) of the purchased property. Down payment - 20% of the cost of housing.
20.	Loan for the development of personal subsidiary plots	Russian rubles	1,000,000 rub. and 1,500,000 rub.	from 13.00% and from 15.50% (% depend on the term) % subsidization is possible.	up to 2 and up to 5 years	at least 23 years old	pledge of liquid property; guarantee for individuals persons other types
21.	For the development of personal subsidiary plots without security (for citizens running private household plots)	Russian rubles	Up to 300,000 rub. (up to 2 years) and up to 700,000 rubles. (up to 5 years)	from 13.50% and from 16.50%	up to 2 and up to 5 years	at least 23 years old	Not required
22.		Russian rubles	up to 700,000 rubles	from 13.00% and from 15.50%	up to 5 years	From 23 years old	guarantees of at least 1 individual; - guarantee of a legal entity - pledge of liquid property.

It should be noted that Rosselkhozbank applies significant increases (+) or decreases (-) to the base interest rate, namely:

• if the borrower and/or joint borrowers fail to fulfill the obligation to insure the life and health of the borrower and/or to insure residential premises against the risk of loss and damage ( property insurance) in the manner established by the loan agreement (+3.5%; 1.00%).
• in case of refusal of the borrower and/or joint borrowers, whose income was taken into account when calculating the loan amount, to carry out life and health insurance or failure to comply with their obligation to provide continuous life and health insurance throughout the entire validity period loan agreement (+ 6,00%).
• provided that on the date of filing the loan application, the borrower and/or any of the joint borrowers will be 65 years of age or older (+6.50%)
• in case of violation by the borrower and/or joint borrowers of the conditions for providing documents confirming the intended use of loan funds in accordance with the terms of the loan product (+ 2.00%; + 2.50%).
• for "workers" budgetary organizations" (- 2.00%)
• for employees of enterprises that are participants in the “salary project”
• for “reliable” clients (- 2.00%), etc.

It is worth noting that the interest rate of 10.00% is offered by the Bank only for “employees of budgetary organizations” for loans with a term of up to 12 months.

The minimum package of documents required to obtain a loan from Rosselkhozbank is as follows:

• Passport of a citizen of the Russian Federation or other document identifying the borrower/co-borrower/guarantor.


• Application form for a loan.


• Documents confirming the amount of income and the amount of deductions made for the last 6 months of the Borrower/Co-borrower/Guarantor - in Form 2-NDFL or in Bank Form.


• Documents confirming employment (Copy of work record book/employment contract certified by the employer).


• For men under 27 years old - military ID; for students - a draft certificate confirming deferment of military service,


• For pensioners - a pension certificate and a certificate of the amount of the assigned pension for the last month.


• Documents on the security provided, etc.

It is noteworthy that RosselkhozBank loans are issued only in rubles, are issued mainly from the age of 21 and mainly in the presence of collateral or a guarantee.
At RosselkhozBank, lending conditions and interest rates, even within the same loan, can be varied. So, for example, the interest rate depends on the gradation according to the following criteria:

• According to the loan term. The maximum loan term is internally divided into several terms - and the longer the loan term, the higher the lending rate.
• In relation to the borrower's attitude towards insurance. The interest rate on the loan if you have life and health insurance is set lower.
• In relation to the borrower to a certain category. For employees of enterprises that are participants in the “salary project,” the rates are always lower.
• From the size of the down payment (for a mortgage). The higher the down payment, the lower the lending rate.
• And other nuances.

Minimum loan amount for individuals at Rosselkhozbank

Rosselkhozbank has established a minimum loan amount for most types of loans, namely:

№№	Types of loans for individuals	Minimum loan amount (Rubles / US Dollars / Euros)
1.	Consumer without collateral for payroll clients	10,000 rub.
2.	Consumer without security	10,000 rub.
3.	Consumer with security	10,000 rub.
4.	Refinancing of consumer loans	not installed
5.	Pension	10,000 rubles
6.	Non-targeted consumer loan secured by housing	100,000 rub.
7.	Consumer without security for members of the All-Russian public organization"Union of Gardeners of Russia"	10,000 rub.
8.	Gardener	10,000 rubles
9.	Engineering Communication	10,000 rubles
10.	Loan for the purchase of a new car	not installed
11.	Loan for the purchase of a used car	not installed
12.	Mortgage housing lending	100,000 rubles
13.	Target mortgage	100,000 rubles
14.	Mortgage (Young family and maternity capital)	100,000 rubles
15.	Mortgage under two documents	100,000 rubles
16.	Military mortgage	not installed
17.	Mortgage (Young family and maternity capital)	100,000 rubles
18.	Mortgage refinancing	100,000 rubles
19.	For the development of personal subsidiary farming	not installed
20.	For the development of personal subsidiary plots without security	not installed
21.	Refinancing loans of citizens running private farms	10,000 rubles (inclusive).

Rosselkhozbank pursues a fairly active policy in the market consumer loans. Size loan portfolio of this financial institution as of March 1 current year amounted to 299,568,761 thousand rubles, which corresponds to 3rd position among all banks in the Russian Federation. What is interesting about a consumer loan from Rosselkhozbank in 2019? For many - the interest rate or a small list of documents that must be submitted for approval of the application. The conditions and features of the loan products of this financial institution will be discussed further.

Requirements for potential clients

To borrow money for consumer needs, Rosselkhozbank clients must meet the following requirements:

• at the time of applying for the loan, not be under 23 years of age (for “our” clients - 21 years old), and on the day of repayment - not older than 65 years of age;
• have Russian citizenship;
• reside and be registered near the location structural unit jar;
• be solvent;
• have at least 3 months of experience at your last place of work. Wherein seniority client for the last 5 years should not be less than six months. If an individual runs a personal subsidiary plot, then he must provide data on such activities for the last 12 months.

Credit products

The bank is ready to lend money to its clients under the following loan programs:

• with or without security;
• for pensioners;
• consumer loan secured by housing;
• refinancing;
• special offers: “Gardener” and “Engineering Communications”.

Consumer loans without collateral

Consumer loans from Rosselkhozbank without collateral are divided into two types by category of borrowers: for payroll clients and for other persons.

The attitude towards salary clients in all banks is special: after all, they bring him regular income not only from servicing salary accounts, but also from providing related services, including lending. It is also worth noting that providing loans to these clients carries less risk, since the financial institution controls their cash flow.

Loan conditions for salary card holders are as follows:

In addition, salary card holders can apply for a consumer loan from Rosselkhozbank without guarantors for a promotional period of 1 year at an interest rate of 15.5%.

It is worth considering that the bank can raise the rate by 3 percentage points if the borrower or co-borrower refuses to insure their life or health at the stage of issuing or supporting the loan.

Lending to individuals from outside is predictably carried out at higher interest rates:

• for a period of up to 1 year inclusive – 23.75%;
• from one to 3 years – 24.5%;
• from 3 to 5 years – 25.75%.

And for this category of borrowers there is also a requirement for life and disability insurance. However, if the client has repeatedly used borrowed funds from a financial institution and has a positive reputation, then the bank is ready to issue him the next loan at a rate reduced by 6.25% from standard conditions.

Another difference: maximum amount the loan for other categories is 750 thousand, and for “salary earners” – 1 million rubles; 1.5 million can only be received by those borrowers who have been receiving salaries into an account at Rosselkhozbank for more than six months.

Rosselkhozbank is ready to consider an application for a loan if a pensioner applies to them and who will not have reached their 75th birthday on the loan repayment date. The maximum repayment period is 7 years, the largest amount you can count on is 500 thousand rubles. The interest on the loan is affected by the term of use and the servicing bank from which the borrower receives a pension:

• Rosselkhozbank clients can receive borrowed funds for at least a year, maximum for 7 years, respectively minimum rate 16% and maximum – 17.5;
• pension clients of other banks can receive a loan for a year at 17.5%, for a maximum period of 7 years the rate will be 19%.

Secured loan

A guarantee from an individual or legal entity reduces the risk of non-repayment of the loan: on the one hand, the client will not want to spoil the relationship with the guarantor, on the other hand, when a delay occurs, the bank will apply for repayment to the guarantor, who is jointly and severally responsible with the borrower for the timely repayment of the loan.

Terms of lending with a guarantor:

• the maximum loan size is 2 million rubles (for “salary earners”) and 1 million rubles for other categories of clients;
• repayment period – 5 years;
• Interest rates depend on the repayment period, availability of insurance and category of clients. According to standard conditions they are:
  • up to 1 year inclusive – 21.8%;
  • from one to 3 years – 22.5%;
  • from 3 to 5 years – 23.5%.

Salary clients, when applying for such a loan product, can expect a rate reduction of 4 percentage points; if the client has already used a loan and repaid it on time, the bank will reduce his rate by 4.5%.

Providing real estate as collateral, especially when we're talking about about your home, significantly reduces the risk of non-repayment of the loan: the client is motivated to repay the loan on time so as not to part with his property, and the bank is confident that it controls the situation - if the borrower becomes problematic, the financial institution can simply sell his property and close the loan.

So, if there is collateral, a future client of Rosselkhozbank can count on the following conditions:

• loan term – 10 years;
• the maximum loan size is 10 million rubles, but not more than half the estimated value of the mortgaged item;
• interest rate – up to 19% (up to 3 years – 16%).

If, on top of everything else, the client receives his salary through an account with Rosselkhozbank, the rate is reduced by 0.5%.

Specialized programs

The financial institution has credit products designed for clients with clearly defined goals:

“Gardener” - it can be used by owners of garden or summer cottages or those who want to become a gardener or summer resident. Also, the received loan money can be used to supply communications to the site, build a bathhouse or sauna. The rate for this product ranges from 21 to 22.75%;

“Engineering communications” - according to the terms of this product, the client can use the borrowed funds only to replace electrical wiring, gas and water supply systems, sewerage, and heating. Rates from 21 to 23%.

Advantages and disadvantages of lending

Among positive aspects The following credit products of Rosselkhozbank can be noted:

There are also things in the bank’s conditions that customers may not like:

• compulsory life and health insurance;
• The rate increases by 2% if the client does not provide evidence intended use funds for the “Gardener” and “Engineering Communications” programs;
• the need for collateral insurance.

All this only increases costs for borrowers and does not contribute to early repayment loan.

Getting a loan from a bank - what you need to pay attention to: Video