Need a loan or a deposit? "Russian Standard": characteristics of bank services

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

Today, there are so many different banks that literally everyone can choose the one that suits all individual criteria. At the same time, this choice can be delayed for a long time, because you need to study the conditions for the products you need, find out the quality of service, the location of branches, etc.

In order not to walk around the city all day, you can get acquainted with the conditions at home. In this article, we will give a brief description of the products offered by Russian Standard Bank.

A little about the financial institution

This institution was founded back in 1999. Since then, there have been many changes and innovations. Today, the bank specializes in providing financial services to individuals.

The ratings of international appraisal agencies indicate that Russian Standard Bank is ready to meet all its obligations at any moment, which indicates good financial stability.

Contributions

The institution offers its clients four types of deposits: “Maximum income”, “Rentier”, “Replenished” and “Convenient”.

Features a high interest rate up to 10% first deposit. "Russian Standard" does not allow customers to replenish it, whichis the main disadvantage of this product. Withdrawing money and interest is possible only at the end of the term. Interested? The amount of the deposit must be at least 100 thousand rubles.

The second has a maximum interest rate slightly lower - 9.5%. However, you can replenish such a deposit at any time. "Russian Standard" offers the payment of interest on this deposit only at the end of the term. The first installment must be at least 100 thousand rubles.

For those who want to receive interest monthly or quarterly, there is a special deposit. Russian Standard offers its customers the Rentier product. Rates on such a deposit are limited to 8.5%. Unlike the previous two types of deposits, "Rentier" provides the opportunity to capitalize interest, which significantly increases its profitability.

Would you like to have constant access to your money on deposit? And for such people, too, a contribution is provided. "Russian Standard" provides an opportunity to open a deposit "Convenient". It assumes the lowest interest rate, in comparison with previous products, the maximum is 8% per annum. And the main advantage is that there is the possibility of partial withdrawals.

Also, with significant amounts of investments, the bank is ready to consider individual conditions and interest rates when concluding deposit agreements.

Credits

The Bank provides the opportunity to use two loan programs:

• consumer credit for goods;
• issuance of credit funds forRussian Standard bank card.

Credit for goods is issued directly at retail outlets or online stores. That is, you do not need to first go to the store, take an invoice, then come to the bank to complete the necessary documents - employees located in outlets will help you do everything on the spot.

The amount of such a loan can range from 3 to 300 thousand rubles. The interest rate depends on the selected store, as each has its own program. The maximum loan term is up to 24 months.

And if you already have all the equipment at home and need money in cash, then the bank can give you up to 290,000 rubles. The loan term can be up to 36 months. The tariff rate is calculated individually and depends on several factors, including a good credit history and long-term cooperation. Therefore, customers have the opportunity to apply for a loan with more favorable conditions every time.

Also for those people who have temporarily lost solvency, there is the possibility of concluding an agreement on the restructuring of credit debt with such a repayment schedule that the borrower will be able to fulfill.

Location

Represented in almost every major city, Russian Standard Bank: Moscow (27 branches), St. Petersburg (7 branches), Novosibirsk (3 branches), Yekaterinburg (3 branches), Nizhny Novgorod (3 branches) and etc.

Connected network with other financialinstitutions is about 3 thousand ATMs, which allows you to work with plastic cards almost throughout the Russian Federation.