How to apply for a loan at Post Bank: documents, instructions, recommendations

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

In the article, we will consider how to apply for a loan at Post Bank.

He is a relatively young financial institution. A large share of its shares is currently owned by VTB 24, and the rest by Russian Post. The young institution is developing rapidly. It offers banking services that cater to customers of various social backgrounds along with the possibility of obtaining loans through online applications. Next, we will figure out how to apply for a loan at Post Bank, find out what documents are needed for its preparation, and also get acquainted with some recommendations.

What kind of loan can customers apply for online?

In this financial structure, only one lending product is issued on an online application, which is called "First Postal". It is versatile, in addition, they make it out onfollowing conditions:

• Loan amount starts from fifty thousand and ranges up to one million Russian rubles.
• The loan period is from twelve to sixty months.
• The interest rate is selected individually, as a rule, it ranges from 17 to 30%.

Sending an application for a cash loan at Post Bank is easy. We will talk about this below.

Additional options

In addition to standard lending conditions, Post Bank offers additional services:

• "Guaranteed Rate" is a unique opportunity available to absolutely all borrowers. It is connected no earlier than one year after the signing of the agreement, that is, immediately after making twelve payments. The service provides a reduction in the current rate to 15% per year. The connection price is equal to three percent of the loan amount.
• Providing free monthly payment reductions.
• Skipping the first installment for three hundred rubles. This service is available only once during the entire loan term.
• Possibility to change the payment date for free.
• Depositing money by debiting a card or from an account of twenty-nine rubles in one operation.

Ability to fully close the loan ahead of schedule for two percent of the remaining amount. This service can be ordered online.

How to apply for a loan at Post Bank: instructions andrecommendations

You can always find an online request form on the official website of the financial institution in question. There is also another service, namely a loan calculator, through which you can calculate loans online. Simply select the loan amount, set the terms and calculate the monthly payments. An online application for a loan at Post Bank is filled out in accordance with some parameters. It indicates:

• Loan information.
• Passport details of the borrower.
• Information about the official place of work.
• Personal information about family composition, contact phone numbers, etc.

Filling out an online application for a loan at Post Bank, as a rule, takes customers about ten to fifteen minutes. After the questionnaire is sent for verification, which lasts twenty minutes. In the event that the online application is approved and the client is approved for a loan, he will need to contact one of the branches of this financial institution in order to sign documents and receive money. It is required to come to the bank no later than seven days after the approval of the request. If the deadline appears later, the approval will simply be canceled, and in order to apply for a loan, the borrower will have to go through the entire verification procedure again. Now let's talk about the requirements that apply to customers.

Who can apply for loans online?

Each Russian citizen who meets the following conditions will be able to receive a loan via an Internet request:

• Hascivil passport.
• Registered in any region of the country.
• Has a permanent job or a pension.
• Can show the bank his personal account insurance number.
• Suitable for financial age structure (i.e. eighteen to seventy for women and twenty-one to sixty-five for men).

How to check an application for a loan from Post Bank is often asked. You can get comprehensive information by calling the numbers listed on the official website of the financial institution, or by contacting the office. Also, an SMS with the status of the application will be sent to your number.

Documents

To apply, you will need to provide:

• Passport details.
• TIN of the employer, according to which the bank employees will calculate the amount of the client's salary.

Pensioners who receive money on a card or account in the "Post Bank" must necessarily leave a check mark on their consent to requests to the Pension Fund. Those who receive payments in any other way must obtain a certificate from the PF on the assignment of cash assistance to them themselves and attach it to their main request.

Methods of obtaining and paying a loan

The procedure for receiving funds and paying the monthly installment on a loan that was issued online is absolutely no different from loans at a branch of a financial institution. Most often, funds are transferred toPost Bank card, which is issued simultaneously with the loan. You can cash out the amount at ATMs of the same bank without any commission or by contacting any other financial institution for a nominal fee. You can repay loans in the following ways:

• By transfer from a card or from an account of another bank online.
• Via postal orders.
• By depositing cash through terminals.
• Through automatic charges.

Thus, each client can independently choose how to pay his loan.

Three main advantages of loans

Before applying for a loan at Post Bank, you need to know about the features of this product:

• Availability of individually selected rates.
• Providing the opportunity, without leaving your home, to find out whether this organization will give a loan or refuse.
• The possibility of self-scheduling of payments and the choice of the term for making the monthly amount.

The inconvenience of registration, as a rule, lies in the fact that there is no way to complete the procedure online, since you will still need to visit the bank.

Services

Now consider the list of services that this organization offers to the population.

• Providing loans for consumer purposes.
• Possibility of issuing credit cards.
• Providing an education loan.
• The ability to pay for purchases byloan.
• Providing loan refinancing.
• Getting loans on the card.

Each of these products has its own requirements for customers, which must be met without fail. In general, they are quite simple, and the differences are usually not significant.

Recommendations

So, now consider the question of how to apply for a consumer loan at Post Bank in such a way that the client is not denied it, that is, with the maximum possibility of approval. There are a couple of recommendations for this.

• Provide as much documentation as possible.
• You should carefully check the information you fill out, and in addition, in no case make mistakes.
• In the event that there is an opportunity, then it is necessary to attract co-borrowers.
• It will not be superfluous to read reviews with tips from experienced customers.

As part of applying for a loan, employees must check their credit history. And in this case, too, there may be some nuances. It is very good when a client has previously taken any loans and repaid them in a timely manner. This will characterize him as a bona fide borrower.

In the event that a person had loans and delays in payments were recorded, this somewhat reduces the likelihood of receiving a positive response, but even in this case there is nothing to worry about. It will be much worse ifthe client did not take out a single loan at all, and his history is simply empty, or he showed himself to be a malicious defaulter who constantly violated his obligations.

When a borrower currently has an open loan, but there are no problems with timely repayment, then there are also no obstacles for him in obtaining, and he should not at all torment himself about the question of how this bank can take the money without being denied, especially if you are interested in refinancing.

How long does Post Bank consider an application for a loan?

The request can be considered from one to three business days, depending on the characteristics of the borrower's credit history. Next, find out how you can check its status.

Checking the submitted loan application

You can find out the status of a loan application at Post Bank as follows:

• Via SMS from this financial institution.
• As part of an appeal to the office.
• By calling the hotline.

Often, for information on the application, you must contact the bank branch directly. Credit institutions usually notify their clients by SMS about the decision made.

We looked at how to apply for a loan at Post Bank.