Russian standard loan application. Cash loan without certificates and guarantors from a Russian standard bank. What kind of loan can you apply for online?
Many clients (both regular and potential) talk about Russian Standard Bank. Some people know about financial institution on credit cards, others on loans that can be issued in stores for the purchase of goods.
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But today we want to talk about consumer lending, where the interest rate is slightly higher than on car loans, mortgages (targeted lending), but significantly lower than on credit cards.
Lending terms
Consumer loans from Russian Standard Bank are offered to borrowers on the following terms:
- throughout the entire period the bank undertakes not to change interest rates, commission, loan terms;
- The bank offers several consumer lending programs: “Cash loan on super conditions -10%”, “Cash loan -19%”, “Loans in online stores”, “Loans for goods in stores”.
Each loan program differs in tariffs, maximum amount, and terms of receipt. The loan is provided to citizens who are over 25 years old.
Download full list information for borrowers on consumer loans provided in accordance with the terms of the loans, you can use .
The period for consideration of a decision, for example, on a loan “Credit for goods in stores” is 15 minutes, maximum amount –1,000,000 rubles.
Application
If you have decided to apply for a loan from this financial institution, then the first thing you need to do is fill out a form - an online application for a consumer loan.
Russian Standard Bank will give a preliminary answer within a few minutes.
Documentation
Russian Standard will issue a consumer loan if the borrower provides the following package of documents:
- passport;
- application form.
The bank will also require one of the following documents:
Certificate of income (form 2-NDFL), the form of which can be downloaded at. Or other documents confirming the client’s income;
International passport;
pensioner's ID;
health insurance policy.
Interest rates
As noted above, interest rates depend on credit program, as well as loan amounts:
Before signing the agreement, pay attention to the non-standard commission that is charged for issuing a loan:
| Loan amount, rub. | Commission, % |
| up to 10,000.00 | 0 |
| 10 000,01 – 50 000,00 | 1% |
| 50 000,01 – 500 000 | 5% |
| over 500,000.01 | 10% |
Obtaining and servicing a loan
An application for a loan can be submitted via Internet banking or filled out directly by visiting a bank branch.
The application is processed from 15 minutes to one day. If the decision is positive, the bank manager will call the borrower back and offer to visit the nearest branch to apply for a loan.
The client must have the entire package of documents with him. The bank signs an agreement with the borrower and provides the agreed amount. All the client needs is to pay the monthly payments on time.
Did you know that there are credit cards with grace period to withdraw cash? Want to know more? Follow .
Anyone can take out a consumer loan, but, unfortunately, not everyone knows what it is. If you don’t know what a consumer loan is, then you need to read on our website.
Russian Standard – consumer loan
Russian Standard offers its clients loans for goods in stores, online stores, as well as in cash and, as the bank assures, on favorable terms.
Cash
The maximum amount of such a loan 100,000 rubles, minimum – 30,000 rubles.
The bank can provide such a loan for a period of up to 10 months with an overpayment of 10% for the entire period. Please note that this is about 21.26% per annum.
Another offer is a “19%” loan for those who need a loan from 100,000 to 500,000 rubles at 19% per annum.
The term of such a loan is up to 36 months. If the bank approves an application for such a loan, in addition to your passport, you must provide a certificate of income, a copy work book, certified by the employer, as well as any document from the list:
- international passport;
- car documents, land plot(if available), etc.
Video: Cash loan from Russian Standard Bank
Requirements for borrowers
Basic requirements for a potential borrower:
- passport of a citizen of the Russian Federation;
- permanent registration;
- age – 25-65 years;
- certificate 2-NDFL (you don’t have to provide it, but having the document will reduce the interest rate);
- Availability of landline phones (home and work).
Providing a salary or credit card will also help the borrower receive loan benefits.
Maximum and minimum amount
Russian Standard Bank offers to issue a consumer loan from 3,000 rubles(credit for goods). The maximum loan amount, if all conditions are met, reaches 1,000,000 rubles.
Terms of loan issuance
Loan terms depend on the chosen loan program. Minimum term lending – 3 months, maximum – 3 years. Maybe early repayment loan.
And if you want to take out a loan against maternal capital, then you need to go through .
Debt repayment
Loan repayment or deposit monthly payment it can be carried out in any way convenient for the client.
These can be QIWI terminals, but be prepared to pay a commission of 1.6% (but not less than 50 rubles), CyberPlat – 1.5% ( not less than 25 rubles), Contact – 1% ( not less than 50 rubles).
Go to the Russian Standard Bank website. Calculate your loan using an online calculator. To submit an application, click on the “Apply on the website” button:
Fill out the application - enter your full name and age, select your gender. Specify the amount and term of the loan. Select the city where you want to get a loan. Click on the "Submit" button:
A Russian Standard employee will call and help prepare documents for a loan application.
Requirements for the borrower
- Russian Federation citizenship
- From 25 to 65 years
- Permanent registration in Russia
Required documents
- Russian passport
- Additional document - compulsory medical insurance policy, TIN, driver's license, SNILS, military ID, sailor or military personnel ID, Russian Standard card, international passport, STS, PTS, certificate of registration of ownership of real estate, certificate from the place of service, 2-NDFL, account or deposit statement
About the bank
Russian Standard is one of the largest private banks in the country. Founded in 1993 under the name "Agroopttorg". In 1998, it was purchased by Rustam Tariko, the creator of the Russian Standard vodka brand. The bank was one of the first to focus on customer credit and actively develop this product. Later, he also began developing auto loans and credit cards. In 2018, Russian Standard incurred large debts to investors, which led to a sharp decrease in the bank's reliability.
Rustam Tariko continues to own all shares of Russian Standard and does not plan to let other individuals and organizations into its capital. The bank's head office is located in Moscow. The network of branches includes more than 150 offices in many regions of the country. General license number - No., issued by the Central Bank on November 19, 2014.
One of the bank's main activities is consumer lending, store loans and issuing credit cards. The bank is a key partner of payment systems American Express and Diners Club in Russia. In addition to loans, the bank offers debit cards, deposits, Money transfers and services for wealthy clients. The bank also serves business entrepreneurs and has access to cash settlement services, loans, deposits, acquiring, salary cards and other services.
Documentation
- Conditions for consumer loans with a credit limit
- List of information for borrowers on consumer loans
You will learn how to log into your personal account on the official website of Russian Standard online. Detailed instructions for convenient and quick access to www.rsb.ru with screenshots and video instructions. A visual guide to recovering a forgotten password for personal account jar. We provide only the most current information.
Answers to popular questions
How can I find out the monthly payment amount?
To find out the amount and repayment date of the loan, use one of the services of Russian Standard - Internet banking, mobile application, call center 8 800 200 31 13. You can find out more information about the loan at the bank office.
Do I need to insure a Russian Standard loan?
The insurance service is additional. Russian Standard also issues loans to uninsured borrowers. Taking out insurance will protect you from having to repay the loan in an unfavorable situation. The Bank offers programs “Life and Health Insurance” and “Insurance against Involuntary Job Loss”.
Never was not and now never I won't client of this bank. While in another country, I received calls many times from an unfamiliar Moscow number, and on the fifth time I decided to pick up the phone, and there was an answering machine, Dmitry, who wanted to offer me something; of course, I didn’t listen to the end. The operator charged me 400 rubles because of your Dmitry. Is everything okay with you there? It looks more like a scammer's office rather than a bank.
And now Question: where did you get my number? I was not your client, I did not deal with your eatery, how do you use my personal data, the consent to the processing of which I did not sign. I’ll come to your office one day to personally ask these unpleasant questions.18.03.2020 14:17
About 10 years ago I was a client of the bank and was very pleased with our cooperation.
Since December 2019, I have been receiving information about the need to deposit funds on a credit card (even though I am not a client of the bank). Apparently, the current client of the bank mistakenly indicated my email in his application form; information about this incident was communicated to the bank on December 24-26, 2019 through the call center. On this moment I keep getting other people’s notifications with the balance in my account, asking me to repay monthly payment, as well as proposals for cooperation.
If this does not stop, then letters will be sent - notifications about the disclosure of personal data from the police, the Central Bank of the Russian Federation, Rospotrebnadzor and the Federal Antimonopoly Service - I don’t know exactly where to write, I think they will tell me there.
Russian standard 16.03.2020 17:23
Good afternoon.
I apologize to you for the inconvenience caused.
As part of your appeal, all necessary measures have been taken to exclude Email from any types of communications with the Bank.
I hope this situation has not negatively affected your opinion of the Bank and we will be able to resume our cooperation in the future. And you can always get acquainted with the current line of products and services on the Bank’s website https://www.rsb.ru/.Sincerely,
Evgeniya
JSC Russian Standard Bank16.03.2020 11:27
Bank response
Bank response
So, this is my first time writing a review about a company. Do not judge strictly.
On a quiet evening, employees of Russian Standard Bank called me. Sales manager Mikhail gave excellent advice on the cash loan product. I'm surprised that such a good specialist works for such a disgusting company. Later, a verification officer tried to contact me by phone. A certain individual named Igor.
Igor called from personal phone and demanded my personal information. When asked how I can make sure that this is a bank employee and not a fraudster, Igor bleated something in the format “I’ll dictate the number to you, and they will say that this is the Russian standard.” Quite a strange story. I gave this creature another chance for rehabilitation. I asked for his internal employee number to clarify whether such a character works at the bank. Igor doesn't know his extension number. A curtain.
Deciding that I was still communicating with a scammer, I interrupted the conversation. Igor called back 10 minutes later from another personal number and said that he had clarified the internal number, but in order to confirm it, you must definitely call the number that [drum roll] Igor would kindly dictate to me. Thinking that scammers are getting dumber, I put down the phone.
Later, it turns out that this employee [by calling him that, alas, I insult all workers] sent a request for a loan to the BKI with data for 2014-15. Which is simply unacceptable.
I would like to know how legal such movements of incompetent people are.Russian standard 16.03.2020 12:27
Hello!
Attentiveness to the security of your personal data is an excellent quality. When communicating via remote channels, it is often not possible to instantly verify the identity of a third party. I would like to once again dispel your doubts and confirm that the phone numbers from which the calls were received belong to the Bank, the calls were made using multi-channel telephony. The employee who called only wanted to discuss with you the details of the product application and check the relevance of your personal data.
As for the information transferred to BKI about you, the last time it was transferred was under agreement * 5177 of 2018.I hope I was able to clear up the misunderstanding. We are always glad to see you among our Clients. Check out our current offers You can visit the Bank's website: http://www.rsb.ru/.
Sincerely,
Evgeniya
JSC Russian Standard Bank15.03.2020 13:30
Bank response
Bank response
I applied for the first time to Russian Standard Bank for a cash loan. The bank employee announced the conditions where it was compulsory insurance. This confused me, when I asked why a bank employee made up such a story. Allegedly, due to the current situation with the exchange rate, the bank is insured and has taken such a measure as compulsory insurance. All loans are issued only with insurance. This confused me. I understood that I was being blatantly deceived. Having signed all documents on loan agreement, the turn of documents for insurance has come. I started a conversation and explained the situation that insurance is not needed and I will simply refuse it in a couple of days. This is impossible they told me, insurance is compulsory and they repeated this story again. As a result, I refused the loan, but had already signed a document for a debit card, where the service costs 1,500 rubles per year. I was told that I could not do anything, I would have to pay. I call the hotline, they say you won’t have to pay anything, close the agreement on the card, since it was only open for 20 minutes and the debit has not happened yet. I close the contract and leave a complaint by phone. Tatyana, the head of the department, contacts me and asks me to withdraw the complaint, and in return she will come up with something so that I don’t pay 1500 for the card. I explain that you are deceiving people, I will not withdraw the complaint. I hear in response that then I will not do anything, you will pay for the card. Question: why am I paying for the card, if I closed it after 20 minutes, there wasn’t even a write-off? If Tatyana could have done something, why didn’t this happen initially, when I asked for it at the branch. As a result, I calmly applied for a loan in another bank ,without insurance. I wouldn’t recommend the Russian bank to anyone, I applied for the first time and immediately found myself in such an unpleasant situation.
Russian standard 16.03.2020 13:27
Hello!
The financial side of the issue will be resolved on an individual basis; I will certainly notify you additionally about the results.
Of course, insurance provides reliable protection in case of unforeseen situations and allows you to take care of your financial security in advance, but all contracts or services are entered into exclusively voluntarily at the request of the Client.
We try to ensure that the service we provide is as convenient as possible for our Clients, and therefore, information to improve the quality of service was transferred to management.I hope that you will change your decision regarding the use of our products and acquire a reliable financial partner in the person of the Bank. You can view our current offers on the Bank’s website: http://www.rsb.ru/.
Sincerely,
Evgeniya
JSC Russian Standard BankMaxim Demchenko
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The bank offers borrowers loans for consumer needs without collateral. Individuals can receive money for any purpose or to pay for purchases in partner stores. Russian Standard loans can be conveniently managed via online banking or mobile app. The bank awards bonus points for payments made on time.
Russian Standard Bank offers customers two types of loans: for purchases in stores and in cash at bank offices. Applications submitted in the store are reviewed within 15 minutes. Standard loan issued within 24 hours.
All Russian Standard loans are convenient to repay. You can choose the payment date yourself, and there are online services to control repayment and making payments.
Cash loan
By this product The lender issues money for purchases in stores and online stores.
Lending terms
The credit institution issues loans in rubles for a period of up to 5 years. If you prepare the documents correctly, Russian Standard makes a decision on issuing a loan within one day. Collateral and guarantee are not required when obtaining a loan.
General terms
When making a purchase in a store, the maximum credit amount is RUB 300,000. At the bank office you can get up to 2 million rubles. in cash. The available credit limit is calculated depending on the borrower's solvency.
The interest rate on the loan is calculated individually. Minimum bid for “Cash Loan” is 15% per annum. A targeted loan for a purchase in a store can be obtained at a rate of 8.14%.
Features of providing a loan
For clients with a positive credit history there are profitable terms. Loans up to RUB 500,000 The lending institution issues at a preferential rate. If the borrower provides a document confirming retirement, he can count on a reduced interest rate.
Russian Standard pays bonuses to reliable borrowers. For applying for a loan, 500 bonuses are awarded, and for each of the 5 first payments you can receive 100 bonuses. Accumulated bonuses can be spent with the bank’s partners, including household appliance stores, travel agencies, and airlines.
Requirements for the borrower
Russian Standard Bank limits the age of borrowers and requires them to meet certain criteria. To apply for a loan it is necessary official employment and registration in Russia.
Primary requirements:
- age from 23 to 70 years;
- citizenship of the Russian Federation;
- permanent registration on the territory of the Russian Federation;
- official place of work;
- borrower category - pensioner, working;
- availability of a landline telephone.
Required documents
Russian Standard Bank requires the borrower to confirm his status. Proof of identity is required. Usually a passport is enough for this, but a bank employee may ask for a second document.
Required:
- Passport of a Citizen of the Russian Federation.
- Second document: international passport, SNILS, driver's license, real estate documents.
Additional:
- Certificate of income in the form of the bank.
- Certificate of income 2-NDFL.
- Tax return.
To get more favorable loan terms, it is recommended to verify your income and employment. If you need to apply for a loan in the amount of more than 500,000 rubles, then you must provide documents from the additional list. Russian Standard may request other documents from exceptional cases, if you need to confirm additional income.
Design methods
A loan in Russian Standard can be obtained in several ways. It is convenient to apply for a “cash loan” on the bank’s website or at the bank’s office. Targeted loans for purchases can be obtained in partner stores.
Through the Internet
To apply online, you need to go to the product page on the bank’s official website and click on the “Apply for a loan” button. The form that opens must be filled out and sent to the bank.
Russian Standard will review the application within 24 hours. A bank employee will call you and inform you of the decision. After preliminary approval of the loan, you must confirm the information in the application form with a package of documents.
In the office
A loan application can be submitted at the nearest Russian Standard branch. This method is convenient because you can get detailed advice and immediately submit documents for loan application. A bank employee will help you fill out the form correctly and inform you of a preliminary decision.
To find a convenient office of a credit institution, you need to open the “Offices and ATMs” tab. If you specify your city, the service will compile a list suitable options and their location on the map.
In the shop
A Russian Standard target loan can be issued at a partner store. The list of such organizations is on the bank’s official website. After submitting your application credit organisation will make a decision within 15 minutes. After the loan is approved, it is enough to sign the loan agreement and you can immediately receive the purchase.
In the online store
You can get a loan when making a purchase in a partner online store. After submitting your application, a Russian Standard employee will call to confirm your application. He will also inform the credit institution’s decision. After the loan application is approved, the purchase will be delivered by the online store’s delivery service.
Methods of obtaining
Russian Standard Bank issues a loan by transferring the amount:
- to the borrower's account opened with the bank;
- to the organization's account.
The borrower can withdraw cash from the account after crediting. The bank transfers the loan to pay for purchases to the store’s current account.
Repayment methods
You can repay a loan at Russian Standard Bank in cash and non-cash methods. Payment options differ in terms and fees.
No commission
With commission
The borrower can use any convenient method. However, when choosing, you must take into account the enrollment period in order to avoid delays.
Insurance
This service protects the borrower and his loved ones from having to repay the loan in a difficult life situation. Insurance program may include protection against loss of employment or disability, or death. When advancing insured event, the loan will be repaid by the insurance company. The client can choose the insurance company himself.
The bank offers individuals two kinds consumer loans. In Russian Standard you can get a cash loan or a loan for purchases in stores. Money to pay for goods can be obtained at a low interest rate. The credit institution issues loans to its clients on preferential terms.
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