Loans in Eastern Bank how to apply and receive money for favorable conditions?

Interest (per annum): 12%

Loan amount: 1,000,000

Duration: 5 years

Registration: 1 day

PJSC CB "Vostochny" License of the Central Bank of the Russian Federation 1460 dated October 24, 2014, Phone: 8 800 100 7 100, Address: Russia, 675000, Amur region, Blagoveshchensk, lane. St. Innocent, 1. INN 2801015394, KPP 280101001, OGRN 1022800000112. Annual interest rate: from 11.5% to 19.9%. Loan term with extension: unlimited.

Why should you take out a loan from Eastern Bank? What tariff should I choose, and what documents are needed to transfer money?

Orient Express Bank consumer loan in cash offers clients on favorable terms! Interest rate - 12% per annum, maximum amount- up to 1,000,000 rubles per consumer needs, and up to 15 and 30 million rubles, for intended use on bail.

How to get a consumer loan in cash from Vostochny Bank?

First you need to submit an application so that the bank will consider potential client and learned his goals and capabilities. To apply for a loan from Orient Express Bank, an applicant can choose two ways:

The first option is beneficial for those who cannot independently decide on the most suitable lending program and expect to receive assistance from a bank employee. Having assessed your solvency, the employee will tell you what conditions you can count on, what the loan amount will be, and what will be included in the package of documents. The average waiting time for a response is 30 minutes.

It's easier to apply online. To do this, you don’t even have to leave home or take time off from work. The main condition is to have a computer connected to the Internet. You independently indicate your passport details in the form and confirm the request by mobile phone.

In order for the application to be successfully submitted, you will need to enter a one-time code in the appropriate field, sent to the phone number specified in the application.

What lending conditions can clients expect from Vostochny Bank?

To get a loan from Vostochny Bank, a borrower will only need to provide a passport if he needs an amount in the range from 25 to 200 thousand rubles. It can be issued in one day at the “Seasonal” tariff. Decision making time is from 15 minutes.

When we're talking about about more large loan, up to 500 thousand, at the “Big Money” tariff, then you must provide an additional identification document. In addition to your passport, you will need one of the following documents to choose from:

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

A person must confirm his financial solvency. To do this, you must submit a 2-NDFL certificate or according to the bank’s form. Must have at least 3 months of experience in your last job. The minimum loan amount, which is taken out according to 2 documents, is 50,000 rubles. Interest rate - from 14.9% per annum.

In both cases, the money (principal) with interest must be repaid within a period of 12 to 36 months.

For the convenience of clients, the official website of Eastern Bank has credit calculator, with which you can calculate the amount in a few minutes monthly payment and the amount of interest overpayment. The loan repayment schedule will also be provided upon concluding the agreement. Citizens can select the tariff they are interested in from the following list:

• "Seasonal"
• "Pension"
• "Equal payment"
• "More money"
• "Car loan"
• "Car secured"
• "Secured by real estate"

If you require an amount exceeding 500,000 rubles, Eastern Bank ready to meet halfway and increase credit limit up to 1-15 million. Loans “Secured by a car” and “Secured by real estate” are approved in most cases. Money can be used for:

• acquisition new real estate,
• treatment,
• opening a business,
• renovation work,
• solution difficult situations etc.

In this case, in addition to the expanded package of documents, including mortgaged property, you will also need a guarantor. Consumer loans in the amount of 1,000,000 rubles are issued for a period of 240 months. The rate depends on many factors and can be reduced to 9.9% per annum. .

Decor online applications takes a little time from 5 to 15 minutes. To take out a loan from Vostochny Bank for the first time, you should fill out an electronic form. The application must indicate:

• FULL NAME.,
• date of birth;
• registration and residence address;
• number mobile phone;
• email;
• and passport details.

By clicking on the “Apply” button, a window opens in which you should select the desired amount and loan term. After clicking the “Select” button, Vostochny Bank will select a tariff that suits the client’s requests. After reviewing the proposed option, you should begin filling out the questionnaire. It consists of several stages. Try not to make mistakes to avoid automatic failure. Loan approval largely depends on whether the information provided in the application form is correct..

• Before you start filling out an online application at Orient Express Bank, carefully calculate your income and expenses. Only after this, proceed to choosing a loan program and fill out a form, indicating the loan amount that will be feasible for your budget. Experts recommend not to exceed 30% of family budget to pay off the loan debt.

Review of the application takes from 15 minutes to 1 day. The solution is sent to the client via SMS or call.

What requirements does the banking organization put forward for the borrower?

Receipt consumer loan in the Orient Express bank occurs on the basis of the conclusion of a loan agreement, and is accompanied by a number of requirements for to an individual. For the lender to approve the demand. cash loan, you must meet the following requirements:

• be a citizen of the Russian Federation;
• be registered in a locality where there is a branch of Orient Express Bank;
• work at the last job for at least 3-6 months (for persons under 26 years old - have a general seniority at least 1 year);
• confirm solvency;
• be in the age range from 21 to 76 years (taking into account the loan term at the time of the date of the last payment).

Attention!

• If your age is from 21 to 26 years, then you need to confirm your official employment. If you are 26 or older, you will only need to provide your passport to complete your application.

Among the main advantages, it is necessary to note not only the possibility of obtaining a loan in the maximum short time, but also no need for compulsory insurance health and life of the potential borrower. Banking institution offers citizens a wide range credit programs, among which everyone can find suitable option. When submitting an electronic application, the client can count on the following bonuses:

• prompt notification of the decision made;
• ease of filling out the form;
• low interest rates - from 12-19% per annum;
• visit of a specialist to your home to prepare documents;
• minimum package of documents.

Besides consumer lending clients can open accounts and deposits, order debit and credit cards of Visa and MasterCard standards, use payments and transfers, as well as online services by connecting to Internet banking.

• Recommend Vostochny to your friends and get a bonus! If, on your recommendation, someone gets a loan or orders a credit card, you both will receive nice bonuses. They just need to indicate you as the one who recommended using the bank’s services. On this moment For each client you will be credited 1000 rubles, and a friend 500 rubles.

How is the loan repaid?

• cash through branches and ATMs;
• by bank transfer using bank cards or account;
• repayment of loans through Russian Post;
• online from the client’s personal account (in Internet banking or through the Orient Express mobile application);
• cash registers.

Fines for non-compliance with the payment schedule

• We draw your attention to the fact that a loan from the Eastern Bank implies a multi-stage system of calculating penalties for late payments. The penalty increases with each subsequent delay. For example, having overdue monthly payment for the first time, you will pay 800 rubles to the cashier. For the 2nd delay you will be required to pay 1300 rubles. For the 3rd delay the penalty will be 1800 rubles. More detailed information is indicated in each tariff. You will find instructions for payment methods.

Contacts and details

• PJSC KB "Vostochny"
• The legal address coincides with the actual one: 675000, Amur region, Blagoveshchensk, lane. St. Innocent, 1
• License of the Central Bank of the Russian Federation No. 1460 dated October 24, 2014
• INN: 2801015394
• BIC: 041012718
• OGRN: 1022800000112
• Official website www.vostbank.ru
• Telephone hotline 8 800 100 7100

To quickly resolve problems, you can use the form feedback on the official site. In the “Help” section, just indicate your question and select a convenient form to receive an answer (by e-mail or by phone). Would you like to take out a loan? Click on the green button and fill out the online application!

Consumer loan from Eastern Express Bank in rubles in the amount of 2,000-150,000 rubles, with an interest rate of 8.02% per annum for a period of up to 2 years. Repayment scheme - annuity payments (monthly in equal installments). Available for any purpose

Expert opinion website about the pros and cons of this consumer loan, found by comparing the services of Moscow banks:

• no loan collateral requirements;
• low interest rate;
• no commissions;
• without work experience;
• consideration of the application in an hour;
• there are insurance requirements;
• significant penalties for late payment;

Terms and rates of consumer loans

Main characteristics of a consumer loan

Bank providing the service Orient Express Bank(Moscow) Place of conclusion of the contract in bank offices and branches Purpose of the loan any purpose Calculation scheme annuity payments (in equal shares) Early repayment Free early repayment Payment Methods ATMs, bank tellers, cashless payment or transfer, payment terminals, Russian Post branches

Requirements for a consumer loan recipient

Age limit for men from 21 to 75 years Age limit for women from 21 to 75 years Registration required Total work experience doesn't matter Length of work at last place of employment at least 3 months

Documents confirming income

By personal income tax form not required

Insurance

The interest rate increases by 10% if you refuse to join the “Life and disability insurance program for loan borrowers and credit card holders of Vostochny CB OJSC”

Additional Information

Fine for violating the next repayment date by the client credit debt: 590 rub. for the fact of arrears

The loan "0-0-24" has these rates and conditions only for Moscow. In other cities of Russia, the conditions for obtaining this consumer loan may vary slightly; you can study them in the corresponding section on the website.

On the eve of the New Year 2014, Orient Express Bank presented a new credit program - CASH LOAN "NEW YEAR"!

Amount from 50 000 before 500,000 rubles

Credit term from 3 to 36 months

Interest rate from 14% per annum

We invite readers of the site to familiarize themselves with the terms and interest rates of the loan product.

• Rate from 14% per annum
• Cash loan solution – less than 5 minutes
• On any goals
• For registration you only need passport
• Without certificates and guarantors*

At Orient Express Bank you can get a loan without certificates or guarantors 2 for any needs. To apply for a loan, apply for cash directly on the website - and receive an SMS with a decision on your mobile within 5 minutes.

• Amount of credit: from 50,000 to 500,000 rubles;
• Loan terms: from 3 to 60 months

• Borrower's life and health insurance: carried out in accordance with the basic conditions for securing the loan, depending on the terms of the loan.
• Special purpose: express loan for urgent needs;
• Validity adopted credit decision: 27 days;
• Credit holidays: it is possible to grant a deferment of payment of the principal debt in the manner established regulatory documents Jar. Credit holidays are provided for a period of 1 to 3 months;
• Decision time:- 5 minutes. The loan issuance period is 1 day.

REQUIREMENTS FOR THE BORROWER

• age from 21 to 65 years;
• citizenship of the Russian Federation;
• residence and registration in the territory where Eastern Express Bank operates;
• work experience in the last place for at least 3 months;
• having a stable income in an amount that allows you to service the loan.

HOW TO GET A "NEW YEAR'S" CASH LOAN?

• Submit your application!
  In order to receive a loan, you need to fill out an application. You can do this right now. Time to fill out the application - 5 minutes!
• Get a solution. An SMS message with a decision will be sent to the cell phone number specified in the application. Decision making time is up to 5 minutes.
• Take a loan!
  at any bank office throughout the service territory
  at home or in the office.

Documents for obtaining a cash loan "New Year"

To register on the site you will need only passport details.

To submit an application at the branch, as well as receive a loan, you must provide a Passport of a citizen of the Russian Federation. For clients under the age of 25 inclusive, for any application amount, a choice of one of the documents confirming the applicant’s income 3 and/or employment 3 is also required

Required documents for issuing up to 200 TR:

• Passport of a citizen of the Russian Federation

Necessary documents for issuance from 200 tr. up to 300 TR:

• Passport of a citizen of the Russian Federation
• Additional document to choose from (see below)

Necessary documents for issuance from 300 tr. up to 500 TR:

• Passport of a citizen of the Russian Federation
• One of your choice of documents confirming income:
  • Help 2-NDFL
  • Certificate on Bank form + Additional document (see below)

How to repay a cash loan "New Year"

1. Through payment terminals of Eastern Express Bank. You can repay loans issued by Oriental Express Bank through its own network of payment terminals located in the branches of Oriental Express Bank, as well as in “Zones 24”.
2. In Internet banking. You can repay loans issued at Orient Express Bank without leaving your home or office through Internet banking. The payment process takes only a few minutes, loan repayment occurs quickly, in real time.
3. At the Eastern Express Bank branch. If you have an Eastern Express Bank card, you can pay the loan to the branch’s cash desk, which will significantly save time. If you don’t have one, plastic card with you, you should contact a specialist in the operating room, then make a payment on the loan at the branch’s cash desk.

   In your absence, the loan can be repaid by a third party upon presentation of your passport and loan agreement.

4. In branches of third-party banks. Through any third party bank using the service " interbank transfer» (transfer details are contained in your loan agreement). A third-party bank commission is charged for the transaction. Also, in accordance with your tariff plan, a commission for crediting may be charged non-cash funds to repay a loan received by transfer from a third-party bank. The transfer is carried out within 3-5 business days, so we recommend making payment in advance.

   Attention! In accordance with your tariff plan, a fee may be charged for crediting non-cash funds for loan repayment received by transfer from a third-party bank.

1 The interest rate depends on the client’s status, quality credit history, availability of benefits. A more accurate calculation is made individually for each client at the branch of OJSC CB Vostochny. 2 Without certificates for a loan amount of up to 200 tr. 3 Documents confirming the income and employment of the Client/Guarantor must be certified by the employer, in accordance with the requirements of the Procedure for assessing the authenticity of documents. List of documents confirming income and employment

different categories

• citizens, approved by a separate order of the Bank.
• List of additional documents possible to obtain a loan: A valid foreign passport in the name of the borrower with a stamp of travel abroad. PTS (Vehicle Passport) / Certificate of Registration
• vehicle
• in the name of the borrower who owns the car. The age of the car is no more than 10 years at the time of application for domestic cars and no more than 10 years for foreign cars.
• Driver's license (if the declared amount takes into account the borrower's total credit debt with the bank up to RUB 200,000 inclusive). Certificate of registration of ownership rights to residential and non-residential real estate, in which the borrower is indicated as one of the owners. * Copy
• work book
• borrower, certified by the employer.
• The endorsement must be accompanied by the date. The date of certification must be no more than 14 days from the date of filing the loan application. Pensioner's ID. Service ID of an employee of any body
• executive power , legislative or judicial authorities, including any law enforcement agencies in the name of the borrower. in the amount of 200,000 rubles, with a conclusion date no more than 6 months ago. * *
• Account statement with a debit balance of at least 50,000 rubles.**
• Account statement showing monthly accruals for the period from three months, and the average amount of accruals should not be less than 20,000 rubles.**
• Military Personnel Identification Card (SID).
• Employee or employee identification card Federal Service Security of the Russian Federation.
• Service ID of an employee of the Ministry of Internal Affairs of the Russian Federation.
• Military ID for military personnel serving under a contract (subject to the requirements of Appendix No. 2).
• Original or notarized copy of the lease agreement and certificate of ownership of the rental property.
• Participation agreement for real estate construction.
• An official identification card of an employee of the enterprise (with the obligatory presence of a photograph of the applicant), or a certificate from the place of work about employment at this enterprise, certified by the seal of the organization (valid only for employees of the specified enterprises).
• Mandatory contract pension insurance on the transfer of the funded part of the pension to a non-state Pension Fund(applies to any non-state pension fund).

Hello friends, guests and blog readers! Today we will tell you how the Orient Express Bank loan sale promotion is carried out and what its meaning is.

Every year on New Year's Eve, Eastern Bank holds holiday promotions. At various times, the banking organization held a sale of loans, the meaning of which was the opportunity to obtain various loans at a reduced interest rate.

So in 2010 on the eve New Year's holidays, a consumer loan from Vostochny Bank could be taken out at interest rate 5% per annum.

In 2019, Eastern Bank held on December 12 and 13 New Year's promotion – I applied for a “Seasonal” credit card at a rate of 9.9% per annum.

During these two days in the offices of the Vostochny Bank it was possible get a credit card with a limit of up to 300 thousand ₽ with a New Year’s rate of 9.9% per year.

These days, borrowers could have time to apply for the product after finishing work - the bank’s doors were open and open until the last client.

Under what conditions was the loan issued?

The pre-New Year sale of loans from Eastern Express Bank was issued on the following terms:

• credit line amount – up to 300 thousand rubles;
• duration of the interest-free period – up to 56 days;
• rate - from 9.9% per annum when withdrawing cash within 3 months or 52.9% per annum after this period;
• interest on non-cash payments after the grace period - 28.9% per annum;
• payment for card issue – 1000 ₽;
• The minimum monthly contribution is 1% of the amount spent (not less than 500 ₽) or the amount of debt, if the amount is less than 500 ₽.

When cashing out money, the commission amount was 4.9% amount withdrawn and additional 399 ₽.

Interest was accrued on personal money on the card account:

• with a balance from 10 thousand to 500 thousand ₽ - 4% per annum;
• with a balance of 500 thousand ₽ – 2% per year.

Applicants for a credit card must meet these requirements banking organization:

• Russian citizenship;
• the age of the applicant is from 21 to 71 years;
• presence of a Russian passport;
• for borrowers under 26 years of age - documents confirming employment and income.

Requirements for work experience – from 90 days, for persons under 25 years – from 1 year. The Bank reserved the right to demand additional documents and refuse to receive credit card Without explaning the reason.

Now the bank also offers several interesting loan programs on favorable terms.

Credit "Big Season"

Applicants for a loan at Orient Express Bank called “Big Season” they can borrow from 80 thousand to 1 million rubles at a fixed rate of 11.5% per annum.

The loan is issued for a period of 13 to 36 months. You can borrow money on the day the loan is issued. The loan is issued in rubles, the borrower receives free access to Internet banking.

The banking organization is conducting this promotion in order to attract new customers.

About the requirements for applicants

Applicant for a loan Eastern Express Bank“Big Season” must meet the following requirements of a financial and credit organization:

• Russian citizenship;
• presence of registration and fact of residence in the region where the Eastern Bank branch is located;
• age limit – from 21 to 76 years at the time of loan repayment;
• requirements for length of service – from 90 days (persons under 26 years old – from 1 year);
• availability of stable income allowing you to fulfill loan obligations.

The loan is issued on the basis of the presented Russian passport and a certificate of form 2-NDFL, confirming official income.

The bank may require the submission of additional documents and security for the loan, as well as refuse to lend money without explaining the reasons.

Purchase insurance policy is not a mandatory requirement when applying for a loan, but if you take out insurance, if insured event, the debt will be paid off by the insurance company.

About loan repayment

You need to repay the loan in a timely manner, making sure that required amount arrived on the credit account on time.

You can find out the monthly payment amount:

• from the payment schedule that is issued when applying for a loan;
• V personal account online banking;
• in a mobile phone application;
• by requesting a statement from a bank branch;
• by sending an SMS with the word CONTRIBUTION and the last six digits of the loan agreement number to 7243.

There are several ways to repay a loan. Money is instantly credited to your credit account if you pay off the debt:

• from any card account Russian bank on the Eastern Bank website, indicating the loan agreement number. There you can activate the auto payment service;
• using online banking and mobile application from a card account of any banking institution;
• via call center by calling the employees and giving the details of the card from which the payment needs to be made;
• through the cash desks of branches of a financial organization;
• through Eastern Bank self-service terminals.

You can also repay the loan through partners of the banking organization - payment systems " Gold Crown", "Rapida", QIWI, CyberPlat.

Other ways to repay loan debt:

• via Russian Post;
• through the accounting department of your enterprise;
• transfer to another banking institution.

About the service “Credit holidays”

In situations where it is not possible to pay the debt on time, borrowers are offered to use the “Credit Holiday” service. The bank defers the next loan payment for several months.

The debtor only needs to pay. Period credit holidays added to the loan term.

This is all the information about loan sales at the Eastern Bank and existing credit offers, for today. Subscribe to blog updates, leave comments, share the article with friends on social networks!

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