2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
The Moscow Bank for Reconstruction and Development, recently renamed into such a familiar word for everyone - MTS - positions itself as a young and efficient bank. But is it? After all, MTS Bank, reviews of which can be found on the forums of the relevant topics, is rather contradictory. Some talk about the exorbitant greed of management and the rudeness of employees. Others, on the contrary, praise him. So what is MTS Bank? We will not touch the reviews yet, because, as they say, everyone has their own truth. Let's try to figure it out for ourselves: let's compare the loan program of MTS-Bank with similar services of other financial institutions.
What can MTS Bank offer to its customers?
If you are an individual and want to take a loan from this bank, first you should carefully read all the loan programs offered. You can search on special resources for the topic “MTS Bank: reviews on lending” and read the opinions of users, and then, if you don’tchange your mind, go to the official page of the bank and get the information you need. So what is available? What types of loans can the bank in question offer, and what are the conditions for obtaining a consumer loan?
Express loan
Provided for a period of 3 months to 5 years, and its amount varies from 20 to 250 thousand rubles. I am very pleased with the short waiting time for a decision on your issue, but the interest rates are such that I don’t want to get a loan right away. From 34.9% per annum to 59.9%. The only thing that can console the borrower is the possibility of early repayment, regardless of the amount and date of repayment.
Regular consumer credit
The term for which you can take credit funds remains unchanged: from 3 to 60 months. The speed of decision-making by the bank management is changing not for the better - in this case, the waiting period can be delayed up to 3 days. The amount also changes, or rather, the maximum limit of the amount that can be given to you changes. This is logical, since in express loans there is a high risk that the loan amount will not be returned, which is why interest rates are so high. The maximum amount of this type of loan is 1,000,000 rubles. Interest rates have gone down, and now they are 17.9% -34.9% per annum. There remains the possibility of early repayment with all the ensuing conveniences.
Remaining loan programs
What kindlending can MTS-Bank offer for small and medium-sized businesses?There is a much more extensive selection of loan programs - from leasing and overdraft, and ending with the issuance of a bank guarantee. Comments on this are meaningless. Since, according to eyewitnesses, MTS-Bank provides a loan for small and medium-sized businesses on an individual basis. For this reason, it is useless to discuss this topic.
MTS Bank: reviews and conclusions
So what's up? And here's what: a small selection of credit programs with fairly high interest rates for individuals and a much more diverse package provided to entrepreneurs. Perhaps, entrepreneurs should consider the proposals of MTS-Bank in more detail, but one can only sympathize with private individuals. Since with such high interest rates on loans, they will have to thoroughly tighten their belts and try to pay off the loan as soon as possible. If you still decide to use the services of this institution, refer to special resources, find the "MTS Bank" section. The addresses of this financial institution will most likely be indicated there. Choose the branch closest to you and go for first-hand information, so to speak.
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