"Rosselkhozbank": customer reviews on loans. Terms of the loan in "Rosselkhozbank"

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

It is important for everyone who plans to get a loan from this financial institution in the near future to find out customer reviews on loans from Rosselkhozbank. This is a fairly large and well-known institution that offers various conditions and options that are important to understand in detail. This article will discuss the conditions under which you can get a loan from Rosselkhozbank, what real customers think about it, who have already managed to deal with this organization and get money in cash.

About company

Reviews of customers on loans in Rosselkhozbank are very diverse, because the company has been operating in this market for a long time. This is a domestic state-owned bank, which is among the thirtylargest in the country, headquartered in Moscow.

Currently, its sole shareholder is the state represented by the Federal Agency for State Property Management. The Chairman of the Supervisory Board is Arkady Dvorkovich, who replaced Alexander Tkachev in this post in 2018. Previously, he served as Assistant to the President of Russia and Deputy Prime Minister. The chairman of the board is Boris Listov. In June 2018, he replaced Dmitry Patrushev.

The history of the bank dates back to 2000, when the institution was established to serve producers in the field of agro-industrial production. The corresponding order was issued by Russian President Vladimir Putin.

To date, the bank owns a lot of enterprises and assets that were transferred to it in payment of debts. In particular, these are several sugar factories in the Krasnodar Territory, which he began to own after the bankruptcy of Euroservice Group OJSC, the meat processing company Buryatmyasprom OJSC, Agrocomplex Rassvet, one of the largest bull-calf meat producers in the Leningrad Region, the grain processing enterprise LLC Zernostandart- Kostoroma and many others.

The total loan portfolio of the bank currently exceeds one trillion rubles. About 55 percent of the corporate loan portfolio is for loans to small and medium-sized businesses. In Russia, this financial institution ranks first in lending to the agro-industrial complex, medium and small businesses. By bank sizenetwork, it is in second place.

Cash loans

At the same time, loans are also provided to private individuals, the so-called consumer and other common types. For example, you can apply for a loan at Rosselkhozbank without collateral.

The interest rate will be from ten percent per annum, among the obvious advantages - the absence of any commissions, restrictions on early repayment, the ability to choose repayment schemes - it can be differentiated or annuity. A similar loan is issued without a guarantee and collateral, it is possible to confirm income in the form of a bank, as well as use the money for any purpose. If desired, the client fills out an online application for a loan at Rosselkhozbank or does it at one of the branches.

Under general conditions, the maximum amount can be up to 750 thousand rubles, and for employees who have a salary card of Rosselkhozbank for a period of at least six months, up to one and a half million rubles. The minimum amount is ten thousand rubles.

It is worth emphasizing that if the borrower works under a fixed-term employment contract, the term of his loan cannot exceed the term of this contract. On general terms, a client can apply for a loan for five years, and payroll clients - for seven years. In this case, collateral is not required, but there is also no possibility to issue a grace period for the payment of interest and principal. There is no fee for issuing and using a loan.

Application for a loan from Rosselkhozbank is considered within threebusiness days from the moment the potential client provides a full package of documents. You can get cash on the loan within 45 calendar days after the bank makes a positive decision. The loan is provided at a time, by transferring the full amount to the borrower's current account opened with the bank.

The rate on this loan can range from 10 to 16.75 percent per annum.

Requirements

When filling out an online application for a loan at Rosselkhozbank, the borrower must be aware of the main conditions that will be presented to him. The age of the client at the time of application must be at least 23 years old and not more than 65 years old at the time of the final repayment of the loan. He must be a citizen of the Russian Federation with permanent registration.

For individuals, the length of service at the last workplace must be at least six months and at least one year of total experience for the last five years. For payroll clients of a financial institution, it is enough to have three months of experience at the current place of work and at least six months of total experience over the past five years. When maintaining a personal subsidiary plot, a loan can be issued if there are records in the household book of the local government about the conduct by the borrower of a personal subsidiary plot during the year before the date of application for a loan. This is a good opportunity to apply for a loan without references at Rosselkhozbank.

As a definition of the total income of a citizen can beaccepted income from the main place of work, part-time, money received from entrepreneurial activities, from private practice, pension payments, income from personal subsidiary plots, as well as other sources permitted by law, which can be officially confirmed. It can be money from renting real estate, remuneration from the use of intellectual property, under civil law contracts.

It is possible to take into account the income of co-borrowers when calculating the final amount for which a loan is issued.

When applying for a loan without guarantors at Rosselkhozbank, you must submit a certificate of income in the form of a bank, an application form for a loan.

Refinancing

Financial organization provides refinancing services. Managers actively offer to transfer their loans from other banks to Rosselkhozbank, having the opportunity to receive an additional amount for any purpose.

When refinancing, it is possible to receive up to three million rubles at a rate of ten percent per annum. Loans from different banks are combined into one without commissions and collateral with a comfortable monthly payment. Part of the loan can be immediately received in cash and spent on any purpose. Refinancing of up to three loans is made regardless of their purpose, as well as the availability of collateral. The client has the opportunity to choose a convenient repayment scheme and payment date.

To increase the loan amount, it is possible to attractco-borrowers, but confirm income in the form of a bank. An application for refinancing a loan at Rosselkhozbank can be submitted for car loans, consumer loans and credit cards. Up to three loans can be issued in one loan, and all of them must be in rubles, the client must have a good credit history, there must be no cases of debt restructuring and prolongation, and the validity period at the time of application must be at least one year from the date of the first payment.

Untargeted consumer loan secured by housing

A loan secured by Rosselkhozbank can be consumer and non-purpose. The property owned by the borrower is used as collateral.

The key advantage of this is a significant amount that can be borrowed, as well as a longer term. A loan can be issued for ten years in the amount of up to ten million rubles. There are no commissions on this loan, lower interest rates are used compared to a regular consumer loan, it is possible to repay it ahead of schedule without any restrictions, choose a convenient scheme, and confirm your income in the form of a bank.

According to the terms of the loan from Rosselkhozbank, the minimum amount may be one hundred thousand rubles. Apartments or residential buildings with land plots, including townhouses, are used as collateral. In this case, insurance on a loan from Rosselkhozbank is obligatory. The property that the bankaccepts collateral for the entire term of the loan. There is also voluntary he alth and life insurance for the borrower.

According to the terms of the loan in "Rosselkhozbank" secured by real estate, the rate ranges from 12.5 to 13.5 percent per annum. In case of cancellation of life and he alth insurance, the interest rate increases by one point.

Special offer for seniors

Credit to pensioners in "Rosselkhozbank" is issued on special terms. It is provided for urgent needs without confirmation of the intended use of the funds received.

The amount that the client can count on is from ten to five hundred thousand rubles. No collateral is required and no issuance fee is charged. The rate for pensioners on a loan from the Russian Agricultural Bank is from ten to sixteen percent per annum.

At the time of the final repayment of the loan, the borrower must be no more than 75 years old, he must live in the territory of the Russian Federation and have a permanent registration. It is possible to take into account various types of income to determine the final loan amount, as well as for other options.

Mortgage

Mortgage loans from Rosselkhozbank are especially popular. With the help of this loan, it is possible to purchase an apartment in the city or a country house, an apartment or a land plot for housing construction. In this case, the rate will be from 9.3 percent per annum, and the term - up to thirty years. In addition to the advantages that exist withother loans, there are also special conditions for young families and when using maternity capital.

This loan can be used to purchase real estate on the primary or secondary market, a land plot or a residential building. The amount varies from one hundred thousand to sixty million rubles. Maturity - up to thirty years.

In this case, the borrower is required to make a down payment. When buying an apartment under an agreement on participation in shared construction or under a sale and purchase agreement, the down payment must be at least fifteen percent of the value of the property, when purchasing a townhouse - at least twenty percent, when applying for a loan for a house in Rosselkhozbank - at least 25%, when buying apartments - at least 30%.

During the execution of a mortgage, a property built or acquired at the expense of bank loans acts as collateral. This property must be insured, and the life and he alth of the borrower is insured on a voluntary basis. Up to three people can be involved as co-borrowers. These may be people who are not related to the client.

Mortgage rates depend on a large number of factors, including the size of the down payment, the type of property to be purchased, the maturity of the loan. As a result, the rate can range from 9.3 to 13.5 percent per annum.

When processing documents, you must provide an application form, a passport of a citizen of the Russian Federation, for men under the age of 27, also a military ID. As well asdocuments confirming employment and financial condition, documents on the presence of children and marital status, papers on the property, which will be taken by the bank on bail until the mortgage is paid in full.

Car loan

There are also proposals in Rosselkhozbank for obtaining a loan for the purchase of a new car. The machine can be purchased both Russian and foreign production.

According to the main conditions, a loan is issued for a car of category B, C or D, as well as a trailer. The maximum amount is up to three million rubles. In this case, it is necessary to make an initial payment of 15 percent of the final cost of the machine. The maturity of the loan is five years. The car itself, purchased on bail, will act as security.

In this case, the interest on a loan from Rosselkhozbank will range from 12.25 to 12.75.

Offers for peasants and gardeners

As per its name and functions, the bank provides special offers for gardeners and farmers. For example, a loan for the development of personal subsidiary plots. It is issued for a period of up to two years for the purchase of plant protection products and mineral fertilizers, fuels and lubricants, payment for electricity required for irrigation, purchase of young farm animals, payment of rent for land, purchase of materials for reconstruction, construction or repairfencing and fences.

If a farmer purchases farm animals, equipment, plans to send money for the reconstruction, repair or construction of livestock buildings, the purchase of land, gas equipment, a loan is provided for up to five years.

The loan amount is up to one and a half million rubles. The rate can be from 10, 25 to thirteen percent per annum.

Members of the public all-Russian organization "Union of Gardeners of Russia" can get a loan at a rate of 11.25 percent per annum for up to five years. In this case, the amount will be up to one and a half million rubles.

There is also a "Gardener" offer. This is a loan for any occasion for owners of summer cottages and garden plots or those who are just about to purchase them. With the money received, it is allowed to build a bathhouse, buy a plot with a ready-made house, or provide water for yourself. The interest rate on this loan is from eleven percent per annum, the maximum amount is three million rubles, and the term is up to five years.

There is a separate offer for those who plan to carry out engineering communications to the site. Up to five hundred thousand rubles can be issued for five years at a rate of 11.25 percent per annum.

Customer Experiences

There are a lot of positive reviews on loans from Rosselkhozbank. Clients note that loans are approved without delay. Many of those who wanted to get a loan from this financial institution managed to do it without any problems.

From negative customer reviews onLoans in Rosselkhozbank, users admit that they often have to deal with the lack of professionalism of employees, because of the incompetence of which ordinary people suffer. For example, after obtaining a mortgage for several months, the borrower pays payments on time and on time, and then finds out that he has already owed a fairly large amount. When trying to find out what happened, it turns out that initially the client was not accrued interest on the loan in full, but this happened due to some technical problems. Because of this, the entire payment schedule has changed.

In general, problems with loans occur most often when applying for a mortgage. If everything is fine for the first couple of years, then serious problems begin. When calculating the monthly payment, the bank employee does not count two rubles, after which in a matter of weeks the debt grows to 750 rubles, the pen alty increases every day. There are also cases when two kopecks were not counted, because of which debt began to form again, which grew like a snowball. After that, the bank decides to unilaterally increase the interest rate on the loan, which increases the monthly payment by about two thousand rubles. This is due to the fact that the client did not renew the annual property insurance, although in reality it was done.

From all these examples, we can conclude that sometimes a bank does not value its customers. Some employees are incompetent, do not correspond to their positions. But the main thing is that the bank is making efforts to correctsituation.