2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
The city is administratively divided into six territories. In each district, financial institutions operate to meet the needs of residents of the industrial agglomerate for financial services.
The list of banks in Saratov is undergoing changes in the course of implementation of the policy of the Central Bank of the Russian Federation. From 2014 to 2017, the regulator withdrew the licenses of the defendants from both the third hundred and the first. But the backbone of the actors remains a reliable and indestructible stronghold of the financial aspirations of Saratov.
Overview picture
The expected standard list of services through cash desks and ATMs includes the placement of free cash; making payments from accounts and at the request of the client; lending to individuals and companies.
A person has the ability to pay for utilities; put money on the phone; pay a monthly fee for kindergarten. Caring relatives with the help of a bank card can please a far-living person with a transfer. When there is an excess of own funds, KFU offer to receive income in the form of interest on the deposit. If own funds are not enough forurgent matters, institutions will come to the rescue and give a loan.
Let's consider the list of banks in Saratov. The number of KFU is determined by the potential of the client base. Therefore, the number of offices varies by district:
- Volzhsky - 59 offices, from Binbank to Econombank;
- Factory - 14 offices of seven banks, including Sberbank;
- Lenin – 44 points;
- Frunzensky - 81 places of presence;
- October - 65 companies;
- Kirovskiy – 82 dots.
All locations can be reached on foot or by public transport.
The country is used to living on credit. Saratov is no exception in this sense. Competition for consumer attention excites the imagination of bankers. As a result, the names of loans appear on advertising media - "For Thrifty Pensioners", "For Young Families", "I Want Everything". The appeals cover the gender and social groups of the country.
Without red tape and formalism
KFU act as lenders not only for well-meaning citizens with a proven "white" income. The list of banks in Saratov, without certificates and collateral issuing borrowed funds, is compiled according to the principle “the lower the percentage, the better.”
| KFU name | Upper loan limit, thousand rubles | Debt service period, months | Debt burden, minimum, % |
| "Tinkoff Bank" | 1,000 | 12-36 | 14, 9 |
| "Ural Bank for Reconstruction and Development" | 300 | 36-84 | 17, 0 |
| "Renaissance Bank" | 700 | 24-60 | 11, 9 |
| "Post Bank" | 1,000 | 12-60 | 12, 9 |
| "SKB Bank" | 299 | 6-36 | 24, 9 |
Analysis of draft slogans shows the minimum promised percentage of 11.9 and the maximum amount of 1,000 thousand. The applicant for quick money should remember that the advertising promise is not always true.
Lenders consider many factors when making a decision, such as credit history score. This parameter shows the financial loy alty of the interested person. The owner of a “bad” dossier and a score below 600 will be made happy with borrowed funds. But it will be a meager amount of 30 thousand for six months at a stunning 36% per annum. The approach is personal: if the relationship between the applicant and the collectors is reported by the media, then a refusal is likely. If a violation of payment discipline for the past year is a couple of delays of 30 days, then on "uncomfortable conditions", but the loan will be provided.
Bank loans are a bridge to a happy tomorrow for the client.
Sduplicate priceless cargo
In any KFU, when submitting a request, they will require a couple of forms: an identity card and a second form - a SNILS pension sheet; military ID; international passport; driving license.
Each person before going for money will ask on the Internet what banks are in Saratov. The list can be sorted by qualification parameters. But one requirement for applicants is applied in all KFU without exception. With formal legal capacity from the age of 18, a person over the age of 21 can count on obtaining a loan without income certificates.
An interesting fact: the list of banks in Saratov includes the strict and unyielding Sberbank. He also issues loans without income certificates. But only for a narrow group - cardholders of the "salary" project. The only requirement for such consumers is six months of experience and the deadline for crediting wages for plastic. Other applicants for loans are required to carry a lot of evidence of integrity.
Speed and pressure
Urgent cash can actually be received within a business day. Usually, after filling out an application and other necessary sheets, an employee of the institution offers to go about their own business for a couple of hours and wait for a call with an invitation for cash.
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