An express card for 1 million rubles allows you to solve pressing problems. Moreover, to receive it you only need to perform a few simple operations without breaking away from your usual rhythm of life. The registration process usually takes place in 5 stages and takes no more than 15 minutes:

• filling out an online application. Online application for a loan of up to 1 million requires a minimum of personal information. Usually you need to enter your full name in Russian and English languages, telephone number, address Email and residential address;
• sending a questionnaire with completed data to bank employees;
• specialists study the received materials for several hours and draw up a map;
• communication of bank operators with you by phone and further management of the institution;
• ready-made credit cards with a limit of up to 1,000,000 can be obtained by driving to the bank or using courier delivery.

Features of receiving

A credit card up to 1,000,000 rubles in Moscow is becoming available to most residents of Russia. The only documents you will need are a certificate of income, which is not difficult to obtain. To receive a card, you must be at least 21 years of age and not older than 63. Express card with credit limit up to 1,000,000 is valid for up to 5 years, so you do not need to spend extra time on operations to update it.

Interest rates may vary, but in most cases they are between 19% and 27%, which is significantly lower compared to loans for smaller amounts.

Financial difficulties are no longer such a serious problem. By using the express lending service, you have the opportunity to solve a number of problems without resorting to the help of relatives and friends and without standing in a long line at the bank. All you need is information about your income and 15 minutes of free time.

Touch Bank offers clients a universal card with a credit limit. This is modern payment instrument, with which you can pay for goods and services, carry out Money transfers and independently apply for a consumer loan without contacting a bank.

Features of the Touch Bank card with a credit limit

The Touch Bank credit card allows you to use two types of loans.

Credit line card

After issuing a card, a credit limit of 1 million rubles is set on it. For each borrower it is determined individually based on the information submitted for registration. Within this limit, you can use credit funds, for example, to pay for goods, travel services and communication services.

Touch Bank does not set a maximum loan term. It is enough to pay 5% of the debt amount monthly so that no fee is charged for non-payment. Credit card interest rates start at 12% per annum.

Each card with a credit limit has a credit grace period of up to 61 days, during which interest on use Money are not credited.

Consumer loan

Owners of the universal Touch Bank card can apply for consumer loan for a period of up to 5 years. Interest rates consumer lending are 14.9–36.9%. To receive credit funds, you do not need to contact Touch Bank employees - you need to log into the Internet bank and issue yourself a loan within the approved credit limit. For example, the general limit is 500,000 rubles. You can get a loan for 300,000 rubles, while the available amount on the card’s credit line will be 200 thousand rubles.

After the credit limit has been allocated, a request must be made, and credit funds will be credited to your current account. Cash can be withdrawn without commissions from any ATM in the world.

Advantages of a universal card with a credit limit

• Fast registration
  To receive a card, simply fill out an online application. It will be discussed in short time(usually within 1 day), after which the courier will deliver the card to the specified address.
• Minimum number of documents for registration
  To receive a Touch Bank card, you only need to have a passport. It is not required to present a certificate of income, a copy work book, post bail or look for guarantors.
• Convenient credit account management
  You can manage your credit account anywhere thanks to convenient and reliable online banking.
• bonus program
  For each purchase made with a universal card, 1% is returned in the form of bonus points, and when purchasing goods from the “Favorite” category - up to 3%.

More about loan terms

Daria Nikitina

Reading time: 2 minutes

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Applying for an express credit card with a large credit limit is convenient and quick way solve set financial problems. Learn more about where and under what conditions you can get instant card up to 1,000,000 rubles - read on.

The banking market is developing at an accelerated pace, and today there are many offers for obtaining an express card with various credit limits. The registration and issuance of such a card occurs almost instantly, in the presence of the client or after submitting an application to online mode on the bank's website. Most express cards are unnamed (non-embossed).

In this article:

Advantages

Instant credit cards have the following advantages:

• Registration in most cases is carried out using a passport, without security and numerous certificates;
• The client significantly saves his time compared to standard conditions receiving a credit card;
• The credit limit is renewable and can be used multiple times;
• The holder of an instant credit card can use borrowed funds immediately after receipt;
• The card has a grace period for lending.

An express credit card can be received by the client directly at the bank office, by mail, at point of sale from a representative of a retail bank or brought home by courier.

Bank offers

Most Russian banks provide their clients with the service of issuing an express card with a limit of up to 200-300 thousand rubles.

There are very few offers with higher limits. Let's consider several interesting offers for issuing such a card in the amount of 500 thousand to 1,000,000 rubles.

OTP Bank The bank offers 11 types of credit Mastercard cards

in rubles, differing in status, type, size of the annual service fee and category of the holder. When submitting an application for a credit card, the bank considers each application individually and makes an immediate decision.

ru You can get it from OTP Bank credit card with a limit of up to 1.5 million rubles with a rate of 19.9% ​​per year. Duration grace period is 55 days. For those clients who want to receive a card with minimal time investment, one passport will be required. Holders who are interested profitable terms , present to the bank, in addition to the Russian passport, an expanded package of documents: a certificate of income, a second document of your choice, a copy of the work book. For salary clients and employees of affiliated companies, the bank offers preferential terms

and a loyal attitude during the registration process.

Citibank Valid at Citibank"Credit card in one click." You can order it through Citibank Online. The application procedure is very simple and only takes a few minutes. For standard category cards, a limit of up to 300 thousand rubles is set, for premium cards - up to 600 thousand. The annual rate is determined individually for each client in the amount of 22.9 to 32.9% per year. You can receive the card free of charge by mail or courier after an instant decision by the bank.

It is worth mentioning the increasing number of cases of fraud, when citizens receive an instant credit card by mail with a limit of up to 1 million rubles from dubious organizations. To receive it from the client, you usually need to contact the Russian Post office and make a cash on delivery payment of several thousand rubles. This offer is 100% a scam. Naturally, you don’t need to pay anything.

If you need to issue an express card with a credit limit of up to RUB 1,000,000. It’s better to contact verified large banks. You can submit an application to them through Internet banking, on the website online, contact the nearest office or representative office in trading network. You can receive such a card by mail, courier or instantly at a branch.

Online application for a cash loan

Get a consumer loan without refusal on the best conditions!

Despite the fact that Russians’ incomes have been growing recently, they are often not enough to solve such problems. global problems like buying an apartment, a car, developing your business. That is why citizens sooner or later face the question of where to get the necessary amount to solve their problem.

When you urgently need a loan, the first thing that comes to mind is the opportunity to get a loan or a loan. According to statistics, every third resident of the country has used a bank service such as lending at least once in his life.

Credit can currently be provided credit and banking organizations licensed to provide this type of service. You can also use the services of microfinance organizations (MFOs) to obtain loans. Let's consider the features of receiving funds in the amount of 1 million rubles.

Features of lending

So, today lending conditions can be very different. For example, in a microfinance organization you can take out a loan only with a passport, and in a bank with only two documents - a passport and a second identification document. But there are nuances: in the first case, the loan amount will be within the limits, and in the second, you will either need to agree to high interest rates, or take out insurance, or attract guarantors.

In general, you need to understand that the bank will not risk its own money in any case and will issue money to a person who has only provided a passport with great caution.

To get a loan from a bank favorable interest rate and on a large amount, you must confirm your own income using a certificate in Form 2 of Personal Income Tax or provide movable / immovable property as collateral.

By the way, banks today evaluate a borrower’s creditworthiness not only by income level, but also by a number of other factors. For example, some financial institutions We have created entire departments in our divisions whose task is to assess the possibility of providing a loan through the analysis of client accounts on social networks, such as VKontakte, Instagram, Facebook and others.

But for many, the problem is precisely that they do not want to risk their own property, and the official salary is small. How to be?

Is it possible to borrow 1 million without certificates?

Without proof of income, that is, providing the bank with a personal income tax certificate 2, you can get a loan in the required amount! But you have to try. The first and simplest option is to provide the bank with your own property as collateral.

The fact is that the loan is more than 100 thousand rubles. No one will approve you just based on your passport, let alone a million rubles. The lender needs guarantees!

And even guarantors today do not inspire confidence as much as collateral. Since in case of refusal to pay the debt, the borrower’s property will become the property of the bank and will be sold at auction to pay off the debt.

By the way, when you need a loan of 1 million rubles, you don’t have to mortgage the apartment. Many banks offer a loan secured by a car, or rather a vehicle title. Eventually vehicle remains with you and you can continue to use it without restrictions. You can’t just give or sell a car, as there will be an encumbrance on it up to full repayment debt.

Does credit history matter?

If you decide to apply for a loan of 1 million without certificates, but secured by your own property, The bank will be of little interest in your credit history. Of course, they will check it, but they will pay more attention to the collateral property: they will evaluate it and check whether there is an encumbrance on it from another company.

You cannot take out two loans secured by the same apartment or car!

If collateral property no, but your credit history (CI) is damaged, you should not count on a positive response from the bank on your application. Microfinance organizations do not lend 1,000,000 rubles at all. But don’t despair, because CI can always be corrected.

In order to fix credit history apply for several loans from microfinance organizations (they don’t check them at all) and repay them on time. This will confirm solvency, as all information is transferred to the BKI. Next, try submitting an application to the bank again to receive the required amount.

Profitable offer

If there is no collateral, but you need to take out a loan of 1,000,000 rubles, you should pay attention to banks that are as loyal to borrowers as possible. For example, the chances of getting a loan application approved in such large size in Sberbank, a person without a certificate of income, but with a good history, has minimal income. But Sovcombank or Tinkoff may approve the request, since the policy is different here.

In general, here is a list of banks where you can get a loan without certificates for a very large amount.

Some people are not used to counting money and planning the expenditure part of their own budget. However, they may also need additional source financing, even if borrowed. A million is a fairly large amount. It is unlikely that anyone who needs to purchase small equipment or pay for education will apply for it.

In most cases, such a loan will be needed by small business owners, people with a mortgage, or those in need of purchasing a car.

Borrowing money from private individuals is not so easy. Even when issuing a receipt, an individual will have a desire to increase the amount by accruing interest. Often such interest rates exceed the level offered by microfinance organizations.

If the conditions under which private loans are issued are acceptable to the parties, you can proceed with the execution of the agreed transaction. Otherwise, you should contact a company that issues loans instantly.

How to find a suitable microfinance organization that issues 1,000,000 rubles. with bad CI

You can take out a loan in several ways, each of which has a number of differences from each other. There are several options:

Contact the first organization you come across that issues appropriate loans. When choosing a partner in this way, you can be caught with a number of unfavorable conditions, such as hidden commissions, because in this case you can turn to an unreliable company. Such companies are ready to provide a loan of 1,000,000 rubles with a bad credit history;

Consider several online loan companies. Information about such companies is available on the Internet. The terms and conditions of these companies may differ significantly. An independent comparison of companies, as a rule, cannot lead to correct conclusions, but it takes up a large period of time that could be spent for other purposes;

Entrust the process of finding the required loan company to specialists. Consider using intermediary services, gaining rapid popularity in modern business relationships. Intermediaries have a wide database that is constantly updated. Hiring such specialists will significantly save your time.

By turning to the services of intermediaries, it becomes easier to receive loans on a card instantly around the clock without refusal, because this requires filling out, which will reflect the basic personal information of the future borrower.

Advantages of online applications

Using the Internet makes life much easier, including in the area of ​​financial transactions. Borrowed money can also be obtained by sending an electronic appeal.

This possibility virtually eliminates the need for long time costs associated with visiting lenders, collecting documents, filling out forms, and receiving funds at bank cash desks, where there are always queues.

Another advantage online requests, is the possibility of sending several applications at once, which will be reviewed by online companies urgently.

If you receive two or more approval decisions, the choice of MFO will be yours. Of course, it will be affected by the main conditions, including the interest paid, the period during which the debt must be repaid.

An important issue remains the method of providing borrowed funds.

Receiving the money

Fast loans are those that are not only quickly approved, but also instantly transferred to the card without refusal.

The method of transferring such funds must be determined by the client himself, at the time of filling out the application or during negotiations with an MFO specialist.

The amount that has been approved can be received:

• online to the card;
• to a credit card;
• to the account of the specified electronic wallet;
• bank transfer;
• cash at an MFO institution;
• via courier.

Transferring money does not take a long time. If you intend to use a bank transfer, you only need a passport to receive it.

Loans from banks

Loan amount - from 50,000 to 1,000,000 rubles.

Loan term - 36-84 months

Borrower's age - from 21 to 75 years

The borrower's income is at least 6,000 rubles/month

GEO - Russia

Loan amount - from 100,000 to 3,000,000 rubles.

Loan term - from 6 months to 5 years

Borrower's age - from 21 to 70 years

Registration online - you need a passport, income certificate

Constant source of income

GEO - Russia

Interest rate- from 17.0% per annum

Loan amount - from 100,000 to 1,300,000 rubles.

Loan term - up to 5 years

Borrower's age - from 23 to 70 years

Registration online - you need a passport, income certificate

Constant source of income

GEO - Russia, Kirov region

Interest rate - from 15.9 to 25.9% per annum

How long does it take to repay the loan?

The repayment period of the loan received is one of the most important terms of the agreement signed with the MFO. Small amounts money is issued to clients with a short repayment period. This could be several days, up to 12 months.

Much less common are loans that must be repaid within one or two years. The loan amount discussed in this article can be classified as such microloans.

Discussion of the terms of return and reaching agreements on this issue should be carried out at the stage of preparation, processing of the application, as well as during the conclusion of the contract.

Another criterion based on which the period given to the borrower to repay the debt is determined is the level of his current or future income. Information about this can only be provided by the client himself. It is therefore important that such information is provided to the MFI, without the intention of hiding any information.

Refund of late money

Failure to repay the debt on time will result in fines and penalties. The length of the delay has a direct impact on the final amount of such penalties. Companies are ready to cooperate and help resolve complex financial situations those clients who do not try to evade their obligations, but make contact and help resolve the issue.

The section on the application of penalties due to late payments should be the most significant for the client, because if the microloan is not repaid, such negative consequences can't be avoided. With each new day of delay, the amount of debt increases.

Do not forget that each client has the legal right to repay loans early. Using this right will allow you to reduce the amount of overpayment and save your own money on paying interest established by the MFO.

Other amounts: