Bank "Active Bank": customer reviews, loans and deposits

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Finding a good bank is not easy. An expert financial institution is able to increase money with the help of a deposit and issue a loan on favorable terms. One of the leading banks in Saransk "Active Bank" has been serving clients since 1990, and at the moment has practically no competitors in its field, annually taking the highest places and becoming the winner of industry awards.

About financial institution

The organization began its banking activities in 1990 as a branch of Finist Bank, but after 2.5 years Aktiv Bank separated and began to work independently. The institution is based on the principle of a share principle. Initially, the shares were distributed among 14 different enterprises and commercial structures. The bank had such form of ownership as a limited liability partnership.

Shareholders, establishing the organization, intended to use its assets for lending and support for small and medium-sized businesses. These are mainly construction, industrialenterprises, but there are also municipal organizations among them. In recent years, management has also begun to pay considerable attention to working with individuals and lending programs for them.

After increasing the customer base and growing volumes in 1998, it was decided to change the form of ownership. The bank was reorganized and received the status of a joint stock company.

The main office of "Aktiv Bank" is located in Saransk at st. Communist, house 52. In addition, the organization has 18 branches distributed throughout the Republic of Mordovia and three offices in the Ulyanovsk region.

The financial institution works with most well-known electronic payment systems, including Master Card, Visa and Mir. More than a hundred enterprises pay salaries to their employees through Aktiv Bank's accounts.

Contributions

More than 80% of the bank's liabilities are deposits of individuals, the organization's dependence on them is estimated as high. "Asset Bank" deposits are favorable and diverse conditions, each client will find a suitable product for himself.

1. "New Year's" contribution is a program designed for 3 months. The minimum deposit amount is 1 thousand rubles, the maximum is not limited. When money is kept in the account until the end of the agreement, an income of 7.1% of the amount is accrued on the deposit. If the depositor withdraws money ahead of schedule, the interest rate will be 0.1 per annum for the actual storage period. This deposit is not extended for the second term.
2. The term of the "Accumulative" deposit is only 31 days, the rate is 2% per annum. Payment of income is carried out after the end of the contract. The deposit can be extended an unlimited number of times.
3. Money is placed in the bank for 91 days at 5.5% per annum. This is the Quick Income deposit in Aktiv Bank. Reviews about the bank position it as one of the most profitable. It is not recommended to close the deposit ahead of time. Otherwise, the borrower will receive only 0.1% per annum of the amount for the time of actual storage.
4. The "Asset" deposit can be re-registered an unlimited number of times. Deposit - from 1 thousand rubles for a period of 121 days at 5.8%. The deposit cannot be replenished until the end of the contract.
5. Long-term deposits in PJSC "Aktiv Bank" are diverse. One of them is "Maximum Income". The deposit is placed on the account of a financial institution for 1 year and 1 day. The deposit amount is from 1 thousand rubles, but the account can be replenished during the entire period of the contract. The client has the right to withdraw interest on the deposit after 91 days from the date of conclusion of the agreement. The amount of interest is 6, 3. A deposit on such conditions is “Favorable”, but the annual rate will be 7%.
6. The "Pension" deposit does not differ from the previous paragraph in anything, except for interest, here the rate is 6.8%. Only people of retirement age can apply for it.



7. The “Best” product differs in that the rate depends on the amount of the initial amount deposited. From1 to 500 thousand rubles - 6.1%, over 500 and up to 1 million rubles the rate will be 6.3%. If the deposited amount is more than 1 million rubles, the annual rate is 6.5%. The period is also 1 year and 1 day. The client can replenish the account during the capitalization process, but the rate will remain the same as that set at the conclusion of the contract.
8. There is a deposit in Aktiv Bank for 420 days. The minimum amount for a contribution is 1 thousand rubles at a percentage of 6, 2. The depositor can withdraw his income once every 2 months and renew the contract an unlimited number of times.
9. When choosing the Guaranteed Income product, a person places his funds in the bank for 18 months at a percentage of 5.6 to 5.8. The rate depends on the amount deposited. Once a month, the depositor can be guaranteed to receive his income.
10. The "Maximum" deposit is replenished once upon opening. Term 1.5 years at 6.5%.
11. The "Actual" product is designed for 730 days at 7.4% per annum. The deposit amount starts from 1 thousand rubles, in the process the account can be replenished.
12. "Long-term" deposit is designed for 3 years and 1 day at a percentage of 5.7 per annum. Unlimited number of deposits and extensions of the contract. The client receives income monthly.
13. "Pension Interest" differs from the previous product by the minimum deposit amount, it is 100 rubles.
14. All varieties of the Lux product are characterized by increased initial deposit amounts and rates from 6.25 to 7.74.

Consumer credit

Not so long ago, Aktiv Bank specializes in loans to individuals, previously asThe borrowers were predominantly companies.

A consumer loan in a financial institution is issued for a period of 1 month to 7 years. The maximum amount that a borrower can count on is up to 3 million rubles. The rate varies between 11-15.5%, it depends on the loan term.

The applicant must provide one of the types of security: a co-borrower, a guarantee of an individual or collateral, the value of which can fully cover monetary obligations.

Mortgage

Mortgage lending is represented by two programs in the bank. Reviews about "Active Bank" testify to an interesting product, according to which an apartment can be purchased at 6% per annum. This rate applies to those families where a second or third child is born between January 1, 2018 and December 31, 2022.

For the second child, 3 years are given from the date of signing the contract, for the third - 5 years. Both periods are cumulative. The loan amount is up to 8 million rubles. After the end of the grace period, the loan rate is set based on the key rate of the Central Bank.

Also, as part of social support, Aktiv Bank offers loans from 300 thousand to 4 million rubles, while the loan amount cannot exceed 80% of the purchase price of housing. Term - from 3 to 15 years.

Refinancing

Any person would like to refinance on more favorable terms. You can refinance a loan at Aktiv Bank at an interest ratefrom 9.5 to 15.55. The possible loan amount is from 300 thousand to 5 million rubles, with an amount above 500 thousand, collateral is required. You can refinance consumer loans and mortgage loans.

To qualify for loan approval, you must be officially employed and have not been in arrears for the past 12 months.

Car loans

"Active Bank" provides car loans only for new vehicles. A person who has a regular income can buy a car, provided that it is confirmed by a certificate of income 2-NDFL or in the form of a bank for individual entrepreneurs. Work experience - at least 1 year.

Loan amount - from 100 thousand to 3 million rubles. The interest rate depends on the loan term, starting from 11%.

The purchased car is a pledge until the full fulfillment of obligations to the creditor.

Loan for VIP clients

Individuals, who provide most of the income of a credit institution and form its resources, can receive a loan on special terms. For example, a client who has a large deposit in Aktiv Bank will be offered an individual interest rate by the organization's management. The amount of borrowed funds starts from 500 thousand rubles, the limit is set by the board of the bank.

If the loan amount is more than 1 million rubles, it is necessary to provide collateral liquid property. For the lender, the age of the VIP borrower and his work experience do not matter.

Reviews

Defects in service or products hasalmost every bank. Reviews of "Active Bank" testify to this. Clients describe it as an institution that keeps its word. If the mortgage specialist said that the application will be considered within 3 days, it will be so. Among the advantages of the bank, borrowers also note the absence of hidden fees, low interest rates and a wide range of deposit programs.

If we talk about the shortcomings, then this is the isolation of the institution from the network of federal banks. Reviews about Aktiv Bank are full of customer dissatisfaction due to the lack of ATMs in the rest of the Russian Federation. When leaving Mordovia or the Ulyanovsk region, they are forced to withdraw money in advance or do it later with a commission.