Loan at Vostochny Bank: customer reviews, applying for a loan, necessary data, interest rate and payment terms

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

Vostochny Bank is one of the largest creditors in Russia. A wide network of branches, favorable lending conditions and clear requirements have attracted millions of borrowers to it. You can apply for a cash loan at Vostochny Bank without leaving your home: online application takes no more than 15 minutes.

Why do customers trust a lender?

Before taking a loan from one of the banks, the borrower should carefully study its features, conditions and customer reviews. It is no coincidence that Vostochny Bank enjoys the trust of depositors.

• The company participates in the deposit insurance system. This means that depositors can safely keep cash in Vostochny's accounts. The state guarantees the protection of savings in the amount of 1.4 million rubles.
• It has been on the market since 1991.
• The Bank of Russia recognized Vostochny as one of the most influential units in the country's banking sector.
• "Forbes" compiled a list of "100 most reliable banks in the Russian Federation", which successfully included "Vostochny".
• The company is expanding its network of branches, including in small towns in Russia. Not all banks in the Russian market follow this policy, which means that the lender is interested in expanding the client base.

In addition, Vostochny offers several lending options. Each of the products is a unique loan, which is designed to meet the needs of one of the categories of the population.

Lending programs

Consumer credit in the "Vostochny" bank is presented in several options, which allows the borrower to choose the most favorable condition for himself.

Loans are divided into unsecured loans and those requiring collateral. In the second case, you must provide documents for the object.

Vostochny bank loans:

• cash loan (standard program);
• program "Cash Loan 3.1";
• "Big Season";
• secured by real estate;
• secured car;
• "Big money";
• "Equal payment";
• "Seasonal";
• "Pension";
• car loan;
• mortgage loan;
• Refinance mortgage agreement.

The choice of loan is the prerogative of the client. The program depends on the interest rate, the speed of decision making andamount.

Cash loan at Vostochny bank

A classic product in the lending line is a cash loan. It is offered to clients who plan to gradually pay off their debt. Therefore, the minimum loan repayment period is 37 months, the maximum loan is approved for 60 months.

Other parameters:

1. Interest rate from 11.5% to 24.9% per annum.
2. Issuance only in rubles on the day of circulation.
3. Decision on application - within 24 hours.
4. Amount - from 150 thousand rubles to 3 million rubles.

The interest rate on a cash loan at Vostochny Bank is calculated individually. Its value depends on the reliability of the client, the presence of existing obligations, credit history.

At the same time, the bank imposes certain requirements on borrowers (the same for all loans):

• Age from 21 to 76 years old. It is taken into account from the moment the loan is issued to the date of repayment of obligations.
• Russian citizenship.
• Experience at least 3 months for persons under 21 years old, for the rest - at least 1 year.

Documents for obtaining a loan:

• Russian passport;
• SNILS;
• certificate of income 2-personal income tax;
• additional document: bank statement, driver's license, international passport, etc.

To apply for a loan, the bank has the right to request other additional documents.

Need a copy of the work book if the loan amount exceeds 500 thousand rubles.rubles.

Features of "Cash Loan 3.1"

Reviews of the loan in the bank "Vostochny" according to version 3.1 indicate a quick decision to issue a loan. All clients note that the decision on the application comes within 1 hour, at least 30 minutes.

The peculiarity of this loan is the speed of obtaining and a minimum of documents. To apply for a loan, it is enough to provide only a Russian passport. But if the client wants to receive the minimum interest rate, he must provide income information.

Loan conditions:

• Issued to the Vostochny bank card.
• Interest rate - from 14.9% per annum to 22.7% (when spending in cash). For non-cash transactions, interest can reach 55% per annum.
• Loan amount - from 50 to 500 thousand rubles.
• Only in Russian rubles.
• Free internet banking.

From the documents a Russian passport is required. But as additional proof of income, the client can provide the following:

• help 2-personal income tax;
• document in the form of a bank;
• an account statement with a salary credit or a monthly turnover of at least 20 thousand rubles;
• statement from a foreign bank account;
• extract from the PFR personal account;
• cumulative insurance contract for at least 1 million rubles;
• borrower's life insurance contract in the amount of 150 thousand rubles or more.

The interest rate is individual for each borrower and depends on the number of documents provided, the loan amount and reliabilitycustomer.

Program "Big Season"

A new type of loan that allows you to get a large amount at a fixed interest rate. The "big season" is loans up to 1 million rubles under two documents. The decision on the application is made quickly - up to 8 hours.

Features of the "Big Season" program:

1. Interest rate 11.5% per annum - fixed.
2. Loan amount - from 80 thousand rubles to 1 million.
3. Issued in rubles.
4. Optional insurance to protect the life and work capacity of the borrower.
5. Available for 13 to 60 months.

Of the documents, only a Russian passport and a 2-personal income tax certificate are required. But the bank has the right to require additional information if the loan amount is more than 200 thousand rubles or the client's solvency is in doubt.

Loan secured by real estate: reviews

In the "Vostochny" bank, you can get 2 types of loans with collateral. One of them requires the provision of real estate.

The difference between this type of loan and the rest are large amounts to be issued. The borrower can receive up to 30 million rubles in cash. At the same time, the loan term is much longer than most loans - up to 20 years.

Reviews of the Vostochny bank loan secured by real estate on the Web are positive. The loan is issued quickly, interest on the loan is transparent, convenient terms of repayment.

Main parameters:

• Amount from 300 thousand rubles to 30 million.
• Compulsory collateral -property. In this case, the mortgagor may be another person (not the borrower).
• Credit term - from 1, 1 year to 20 years.
• Individual interest rate. Average 9.9% per annum.
• Application active for 45 days.
• Mandatory property insurance (by law).

The requirements for the borrower are the same as for all loans from Vostochny Bank. But as an exception, the age limits can be shifted after a positive decision of the bank's management.

In addition, the work experience requirements have also been reduced: at least 3 months of cumulative work experience at the last place of employment is required.

You can use a guarantee for a loan, but this is not required. The presence of a guarantor significantly increases the chances of approval and provision of a favorable interest rate on the loan. The same requirements apply to the guarantor as to the main borrower.

From the documents you need to provide a passport of the Russian Federation and a certificate of ownership of housing. If the borrower and the mortgagor are not the same person, each must provide an identity document.

Special requirements apply to the object of pledge. It cannot be owned by a minor owner, housing should not be built earlier than 1998 and located in a closed area. A complete list of restrictions is available on the website of the Eastern Bank.

Car loan

Another type of secured loan is a car loan. The advantage of the contract is the absence of a mandatoryinsurance of the collateral object and its ownership by the owner during the entire loan repayment period.

Reviews about the cash loan in the bank "Vostochny" with the object of collateral car only positive. Clients appreciate the quick decision-making, namely within 1 day. They also note that the absence of compulsory insurance saves payers' money.

Loan terms:

• The rate is from 19 to 32% per annum. Set individually for each borrower.
• The term of the loan agreement is from 1 to 5 years.
• You can issue from 100 thousand rubles to 1 million.
• The object of the pledge is a car that falls under category B.

Basic requirements apply to a vehicle, namely:

1. Age no older than 3-10 years (depending on the brand).
2. No encumbrance. The car cannot be pledged for loans in other banks.
3. The borrower is the owner.

The application is considered within 24 hours. When applying, in addition to a passport, the client must provide documents for the car.

Big Money Loan

One of the classic lending options is a loan called "Big Money". The product was created both for clients who can confirm employment, and for all other citizens. The presence of a document indicating a permanent income increases the chances of receiving the maximum amount and affects the interest rate onloan.

Terms of registration:

• amount from 50 to 500 thousand rubles;
• application consideration from 30 minutes to 24 hours;
• issued in rubles.

If a client wishes to receive an amount of up to 200 thousand rubles, he can only provide a passport. For contract amounts of RUB 200,000 or more, one of the following documents is required:

1. Reference 2-NDFL.
2. Salary account statement.
3. Another option indicating a permanent stable income.

Those who took a loan from the "Vostochny" bank leave positive reviews about the product "Big Money". But not everyone is satisfied with the interest rate, which is calculated by the bank separately for each borrower.

For the product "Big Money" interest ranges from 14.9 to 29.9% per annum. To reduce the overpayment, it is recommended to provide a complete set of documents, including a certificate of income.

At the request, a life insurance program and the interests of the borrower are provided. The service is chargeable.

Reviews about the loan "Equal payment". Loan conditions

When studying the company and wanting to take a loan, customers read reviews about Vostochny Bank first of all. Feedback from borrowers on the Equal Payment product is ambiguous. Many were not satisfied with the low limit - up to 300 thousand rubles, and every third one seemed to have high interest rates.

Positive feedback about Vostochny Bank (who took a loan in 2016 and earlier) is associated with classic offers that exclude filingapplications online. But the conditions of those loans differed from modern proposals. Reviews of an online loan from Eastern Bank called Equal Payment appeared only in 2018, and more than 2/3 of borrowers highly appreciated the service.

The "Equal Payment" product provides for the conclusion of an agreement in 3 ways: in the office, online or by calling the support service. This diversity is beneficial for borrowers who cannot always find the time to apply in person.

Main parameters:

• credit limit from 50 to 300 thousand rubles;
• instant solution - within 15 minutes;
• registration in rubles;
• individual calculation of interest, but not less than 22.7% per annum;
• only a passport is required for registration.

This loan option is beneficial for borrowers who cannot provide income information. The lack of references carries risks for the bank, therefore the interest rate on the Equal Payment product is higher than on most other loans.

Terms of the loan "Seasonal"

One of the most popular loan products is the "Seasonal" loan. Reviews about the loan of the Eastern Bank with this name are only positive, since the interest rate is favorable.

When applying for a loan, the bank offers a fixed 11.5% per annum. Of the documents, only a passport is required.

General parameters:

1. Loan amount from 25 to 500 thousand rubles.
2. Fixed annual rate11.5%.
3. Issuance in Russian rubles.
4. Decision on application within 15 minutes.
5. Provided to Russian citizens.

Borrowers studying reviews of consumer credit "Seasonal" from the "East" Bank, want to know if the rate is really fixed. According to the terms of the bank, interest is set according to the offer system and does not increase with the growth of the loan amount.

Another advantage of the offer is the absence of collateral and surety. Even a client with temporary registration in the territory of the Russian Federation can become a borrower. An important condition for applying for a loan in this case is the location of a branch of Vostochny Bank in the region, since online application for the product is not possible.

The offer is valid for 2018. Changes in interest rates on loans occur unilaterally. The terms of the loan "Seasonal" can also be changed without notice to borrowers, so those who want to get a loan at a low interest rate should not delay applying.

Credit "Pension": features, conditions

Despite the fact that all Vostochny Bank loans are issued to customers under the age of 76, the bank has offers only for pensioners. A feature of such a loan is a strict age limit - from 50 to 76 years - and the lack of experience.

Reviews about the loan to pensioners of the "Vostochny" Bank confirm the benefits of the product. Borrowers noted that lack of work experience is an important condition for obtaining a loan for those who workinformally. And this is more than 1/5 of pensioners in our country.

Loan interest is calculated individually. The rate is affected by the borrower's credit history, the presence of existing obligations and an account with Vostochny Bank.

Basic conditions:

• Credit limit from 40 to 99.99 thousand rubles.
• Loan currency - rubles.
• The loan is provided for a period of 13 to 36 months.

Reviews of the loan from Vostochny Bank in Tver showed that another advantage of the product is the absence of collateral and surety. The loan is issued to those who receive income for 3 months (without official confirmation).

In order to protect the interests of customers, it is proposed to take out a life insurance and employment program. The offer is paid and is issued only at the initiative of the client.

Car loan

Customer reviews of cash loans of the "Eastern" Bank are not complete without an opinion about a car loan. The product is a targeted loan. The purpose of the loan funds is the purchase of a new or used car.

The main advantage of a car loan is the absence of mandatory registration of Casco. This reduces customer spending on loan servicing.

A car loan is a secured loan. The object of pledge is the purchased vehicle. As in the case of a loan secured by a car, collateral cannot be an object for loans in other banks. Condition Requirementsvehicle and its lifespan are the same as for a car loan.

Car loan options:

1. Amount from 100 thousand rubles to 1 million.
2. Interest rate - from 19% per annum.
3. Issued in rubles.
4. Apply review takes from 30 minutes to a day.
5. The purchased vehicle is the collateral.
6. The loan is issued for a period of 13 to 59 months.

Since the loan is aimed at buying a car, in addition to a passport, the client must provide documents for the car. These are the title, the contract of sale, the car pledge agreement and the seller's passport. Additionally, the borrower's SNILS is required.

Customer feedback on a cash loan at the Vostochny bank for the purchase of a car is not always positive. Clients note that not all sellers are ready to provide their passport for loan processing. Some believe that in this way the borrower wants to include them in the contract as a guarantor, but this is not so.

The seller's passport acts as a document confirming the fact of a purchase and sale transaction in the motor transport market. But it is precisely its absence that is often the reason why it is impossible to get a loan.

An additional advantage of a car loan from Vostochny Bank is the absence of a down payment. The loan amount is equal to the purchase amount of the vehicle. If desired, the client can include connection to the insurance program in the loan amountCasco, but this is not the main condition.

Loan for the purchase of real estate

Mortgage loan in the bank "Vostochny" is targeted. The object of collateral is an apartment purchased with the loan.

The advantages of the product are favorable conditions, a convenient way to repay a loan, the ability to attract co-borrowers, a high credit limit.

The amount of funds depends on the region where the property was purchased. Residents of the capital, St. Petersburg and the Moscow region can count on a loan of up to 20 million rubles for the purchase of housing. For citizens of other regions, the maximum amount is limited to 10 million rubles.

There are 3 loan options to choose from:

1. "Easy mortgage".
2. "Family mortgage".
3. Relending.

Additionally, the borrower can participate in the Maternity Capital program - use the funds of the state subsidy for the purchase of housing in a mortgage.

Basic terms of the contract:

• Initial capital - 20-50%. The interest rate on the loan depends on its size.
• Minimum amount - 500 thousand rubles. The maximum limit in these regions is 20 million rubles, in the rest - 10 million rubles.
• Compulsory insurance of collateral. By law, all housing purchased under a mortgage must be insured. The object of pledge is the acquired property.
• Possibility of reducing the interest rate by connecting to the borrower protection program. Discount is provided in the amount of 0.7%per annum. If you cancel insurance, the rate automatically increases by 0.7%.

Requirements for a borrower under a mortgage loan are different from general purpose loans. In particular, the client must be aged 21-65 years old, have a stable verified income.

Both clients working under an employment contract and self-employed citizens can get a mortgage. For the latter, a prerequisite is to run a profitable business for 1 year or more.

A cash loan from Vostochny Bank for the purchase of housing requires the provision of a complete set of documents. References differ depending on the type of contract.

As part of the Easy Mortgage, it is enough to provide a passport and a second document of your choice, for example, SNILS or a military ID.

"Family Mortgage" requires that, in addition to the passport, the borrower must carry a child's birth certificate.

Under the "On-lending" program, an application will be sent only if data on the previous agreement is provided: certificates of the balance of the loan debt and interest, payment checks (or account statements), loan agreement (including insurance and related documents).

If the borrower uses family capital funds when applying for a mortgage loan, you should take a certificate from the FIU on the balance of the amount and a certificate.

Employed citizens must provide income information. Pensioners - an extract from a pension account, a certificate from the Pension Fund. IPto apply for a mortgage, a tax return for the last year and a business registration certificate are attached. Owners of their own business must submit a certificate of dividends that the business brings, a report on the activities of the company and general information about the company.

Refinance mortgage agreement

Like most Russian banks, "Vostochny" offers to issue refinancing - the repayment of the previous loan at the expense of a new loan on favorable terms. The program is only available under a mortgage agreement.

Reviews on the refinancing of loans from other banks by Vostochny Bank are practically absent, since the program is a new product. Conditions and requirements for borrowers are the same as applying for a mortgage at a bank.

The only exceptions are special requirements for a contract in another institution. To refinance a previous loan, the client must:

• make regular payments for six months or more;
• have no current arrears.

An important point is the lack of restructuring under the mortgage agreement. Subject to all requirements, the borrower can count on consideration of the application for a loan in the "Vostochny" bank to reduce the interest rate. The lender offers loans from 9.75% per annum for up to 20 million rubles.

Applying Methods

Reviews of loans from Vostochny Bank prove that customers like the terms of the application proposed by the company. Unlike traditional methods, the lender offers borrowersapply for a loan online or contact support.

When submitting an application on the website of the Eastern Bank, you must specify:

• F. I. O.;
• phone;
• email address;
• date of birth;
• income information;
• passport details;
• SNILS;
• registration and registration data;
• amount and term of the loan;
• information about current commitments.

After filling out the questionnaire, the client's application automatically goes into processing. The borrower will receive an SMS notification about the decision of the bank to the specified number. The decision is made online within 15-30 minutes.

Reviews about the loan of the "Vostochny" bank on the passport with an instant decision are not always positive. Clients are dissatisfied with the established rate and do not always delve into the terms of the loan agreement. Those who carefully study the rates offered by the bank note the speed of disbursement of funds and convenient loan servicing (payment, notifications).

The second way to apply for a loan is to call support. To receive a loan by phone, you must introduce yourself, name the data of the document, SNILS and the desired loan parameters. The decision on extradition is made within 30 minutes from the moment of the conversation with the operator.

Reviews about the loans of Vostochny Bank, which customers have issued by phone, are positive. Clients like the unusual way of applying and prompt decision making. But they also note that the rate set in the contract is not always fixed. Sothat upon receipt of copies of the agreement, it is recommended to study at what percentage the bank approved the loan. If the information does not match, you should contact the contact center or bank office to adjust the loan conditions.

The traditional way to get a loan is to go to a bank office. There are a lot of reviews on the Web about the loans of Vostochny Bank, which customers issued at the branch. Everyone notes the courtesy of the staff and the pleasant environment.

Loan conditions do not depend on the application method. The client himself chooses which of the options is optimal for him.

Paying a loan: methods, features

For the convenience of customers, the bank provides several ways to repay debts:

1. Payment online on the website.
2. Repayment via Internet Banking.
3. Payment at the terminals of the Eastern Bank.
4. Transfer to an account in another organization.
5. Payment at the office of the company.

The easiest and fastest way to pay off a loan from the Eastern Bank is to repay online on the site. To complete the transaction, you must go to the active window "Online repayment of the Vostochny loan with a card of any bank".

Next, the client must choose a payment method - by contract or card number. In the first case, the number of the loan agreement and a cell phone are entered. In the second - card data for debiting and crediting funds (since most bank loans are issued to a plastic card account).

After data is entered, the operation must be confirmed. With third party bank cardscommission will be charged according to the tariff.

Repayment of a loan in the Internet bank - the ability to pay without leaving home. To pay, you need to log in to the system and find the "Credits" tab, then select the desired agreement (if there are several), payment method and amount. After confirmation, the funds will automatically go to the loan account.

When paying through the Internet Bank on a regular basis, the client can enable automatic debiting of funds from the account in a fixed amount.

Paying a loan from the "Vostochny" bank in terminals is a way to make payments around the clock. If the loan is debited from a bank card, then to repay the loan, it is enough to deposit funds into the account.

When paying for a loan from a savings account, you must first deposit funds to the card, and then make a transfer to the required details. Depositing funds in the terminal is carried out without commission.

Customers can pay a loan at the company's office if they have a passport. It is not necessary to take a loan agreement with you, but if the borrower has several active obligations, then it is better to take documents with you to speed up the search.

Deposit of funds at the cash desks of the Vostochny bank to repay the loan is carried out without commission. The payer can be a third party with their own passport and loan documents.

You can pay off a loan from the Vostochny Bank at the cash desks of other banks or financial companies. The transfer will be carried out with a commission according to the tariff of the selected organization. When choosingWith this method of repayment, it should be borne in mind that the money is credited to the bank's loan account within 1-3 days.