Credit at Tinkoff Bank: customer reviews

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

Lending today has become relevant for all segments of the population. People borrow money in order to buy new household appliances, go on vacation, buy real estate or a car, or open their own business. At the same time, you need to choose a bank very well so as not to overpay too much in interest. A huge number of Russians receive a loan from Tinkoff Bank. Reviews are very different from each other. Some people really like lending in this banking system. Others call the conditions predatory. Let's try to understand this issue together.

Loan terms

The consumer has a choice, so if you're not in too much of a rush to get cash, it's best to gather complete information and make your final choice based on that. Who can get a loan from Tinkoff Bank? Reviews suggest that this system has minimum requirements for the consumer. Almost everyone can get cash in hand. For thisrequired to be an adult citizen of the Russian Federation not older than 70 years.

Main differences

In every city of Russia you can see dozens of branches of bank offices. But among them there is not a single Tinkoff bank. How does it exist and work with clients? This is a unique financial structure that does not have offices, branches and ATMs. This significantly reduces the costs that in one way or another fall on the shoulders of the borrowers.

How can you get a loan from Tinkoff Bank? Reviews say that this is a fairly simple operation. In fact, this is a virtual bank that accepts applications from customers remotely. The application is submitted through a special service for maintenance. You can send it anywhere in Russia by entering your passport details. The decision is communicated by phone. The bank employee will deliver the finished card to you along with all the documents. That is, anyone can quickly and easily apply for a loan at Tinkoff Bank. Reviews, however, warn that employees will definitely check your ability to pay. If you have a low income and already have loans, then you should not rely too much on a loan.

Check

After submitting an application, the bank receives passport data, as well as information about where the borrower works. All this will be checked by special services. As a result, employees will decide not only to approve or refuse, but also determine the maximum amount that you can use. It will usually be small when first contacted. If aif your credit history is good, then next time you can count on a more serious amount. The main criterion will be the level of wages, as well as the presence of dependents and debts on loans. The bank will carry out all verification independently, without asking you for additional information.

Only plastic cards

The credit vector is aimed solely at the design of cards. Moreover, the site colorfully painted how convenient this solution is. Customer reviews on loans from Tinkoff Bank note that if you approach loans thoughtfully, then this is really quite convenient. Conditions are more favorable than when applying for a cash loan. You can withdraw money when you really need it, and only in the amount you need. Ordering a card, approval and receipt does not oblige you to anything. If the borrower has found another solution to his financial difficulties, then he may not activate the card, or not withdraw cash from it.

Interest, customer reviews on loans

"Tinkoff Bank" has a flexible system for calculating the interest rate for each specific person. Employees do not disclose what criteria they are guided by. Let's look at the main sentences:

• OneTwoTrip. The amount of interest is from 23.9 to 39.9%. The grace period is up to 55 days. At this time, you can pay off the debt without interest. Similar in interest rate are ALL Airlines, Kanobu, AFIMALL City, eBay
• "Tinkoff Platinum". Loan interest is higher, from 24.9 to45.9%.

For each borrower, the interest rate is set personally, depending on the terms of the tariff plan. Reviews emphasize that the conditions are convenient, but the rates are quite high. Therefore, before taking money, you need to think carefully.

Consumer loan at Tinkoff Bank

Reviews indicate that most often the choice is a plastic card. But there are other options for obtaining a loan that you need to familiarize yourself with. The client can contact the head office of the company and apply for a loan on the passport.

• The fastest option is "loan in 5 minutes". To obtain it, you will not need certificates or guarantors. Registration is also online, insurance is required. Interest rate from 19.9 to 54.9%. The amount is from 50,000 to 500,000 rubles.
• If you want to get money at a lower percentage, then there is a loan secured by real estate for this. In this case, the annual rate is from 15 to 27.5%, the amount is up to 15 million, and the term is up to 15 years. The minimum rate is possible if property and life insurance is issued.

What will you face?

Most often the user deals with plastic cards. This is a convenient way to always have the right amount on hand and use it when necessary. But in this case, you will have to pay not only interest on the loan. Reviews of Tinkoff Bank are sometimes accused of the fact that the payment system is opaque, but most often they themselves do not even read the contract, whichsign.

There is an annual fee for credit card maintenance. The most profitable is the Tinkoff Platinum card, you will have to pay 590 rubles for it.

• ALL Airlines - RUB 1890
• Kanobu – RUB 990

That's not all. In addition, in the contract you will have to indicate that you refuse insurance. If this is not done, then automatically it is considered that you agree. Further, cash withdrawal from an ATM will cost 2.9% of the amount. Plus, 290 rubles. In addition, Tinkoff does not have its own branches and ATMs, which entails the payment of commissions to the intermediary bank.

Loan for the purchase of real estate

This organization deals with consumer loans. That is, Tinkoff Bank itself does not issue a mortgage loan. Reviews call it a convenient intermediary that represents them in other companies. That is, you throw off the application, and Tinkoff is engaged in its promotion in 3-5 banking systems. Accordingly, where approval will be obtained, you will be able to get a loan for real estate. This is very convenient for customers, as evidenced by the reviews. Once you uploaded the documents to the bank and you choose which bank you want to cooperate with. In this case, you do not need to hire a re altor, the managers themselves will check all the documents.

Maximum and minimum amounts

The remote lending method does not allow the bank to thoroughly verify the identity of the borrower. This increases the company's risks. Therefore, it cannot be too large a cash loan at the bankTinkoff. Reviews say that this limit is enough to solve most problems. On the Tinkoff Platinum card, the credit limit is 300,000 rubles, and on the rest up to 700,000 rubles. These are the maximum amounts for each line, but this does not mean that everyone who applies will be able to receive them. For each borrower, the amount is calculated individually.

What are the negative reviews about?

You can find a lot of them on the net, which is not too surprising. Everyone likes to take money, but then giving it back with interest turns out to be a rather heavy burden. And it doesn't really matter what kind of loan you had. The Tinkoff Bank card, reviews of which are sometimes full of negativity, is just a tool. If you use it uncontrollably, or without reading the contract, you can put yourself at a disadvantage. So what is consumer dissatisfaction about:

• The client pays neatly, but the debt is not reduced. This most often happens because the person does not understand the term "minimum payment". This is only the repayment of interest, while maintaining the principal debt. In order for the amount to decrease, you need to pay off much more, preferably the entire amount at the time of discharge.
• The amount of the credit limit also sometimes causes dissatisfaction. The advertisement contains the amount of 300,000 rubles, but in reality the limit can be up to 10 thousand rubles.
• High fees for cash withdrawals. Judging by the reviews, it is much more profitable to use cards for purchases. Then there is an interest-free period, and there is no commissionfor ATM withdrawals.
• If a client forgot about a small debt and does not make a payment, this does not mean that the bank forgot about him. The bank also imposes a fine and the amount grows. If the holder does not take any action, then collectors will take over. It also happens that a person activated the card and did not use it. A year has passed, and she was charged for maintenance.
• High interest. It's hard to argue with this. In most cases they exceed 35%. If we take into account the annual payment, SMS-informing, insurance, then it can be 100% per annum. But there are 55 days of preferential use of money for which the bank does not need to pay.
• Credit insurance. Some customers believe that this is a service imposed by the bank. However, you can opt out when signing the contract.

Bank assistance

Everyone can find themselves in a difficult life situation. If you lost your job, ended up in a hospital, then you should not hide from bank managers. On the contrary, the sooner you call the employees and explain the situation, the easier it will be to find a way out. Most often, you will be offered a loan restructuring at Tinkoff Bank. Reviews say that this system has its pitfalls, but is a good solution to the problem.

The main thing is to try not to delay. Contact the financial institution and try to convince the lender that you have good reasons and you are not evading payment. Fill out the official paper in which you need to indicatethe number of the debt agreement, the size of the debt limit, the amount of the paid amount and the rest of the debt, the time of the last payment, the reasons why the payments stopped.

Special programs

If the bank makes a positive decision, then you will be offered new loan solutions with a more convenient repayment schedule. There are two restructuring programs:

• Tunnel - for a certain period, the minimum monthly payment is reduced to 200-500 rubles per month. The credit card is currently blocked. When the financial condition stabilizes, you continue to pay according to the previous schedule.
• Installment - credit card payments are completely stopped. The debt is fixed and a new loan is issued for this amount, a repayment schedule is determined.

This service has its disadvantages, because when it is issued, the bank will calculate a commission, distributing it among future payments. But the situation in this case will be better than if you do not pay the loan to Tinkoff Bank. Reviews say that in this case round-the-clock calls from collectors are provided, with all the ensuing consequences.

If you cover the debt with a loan from another bank

The lack of a loan in this organization lies on the surface - this is a high percentage. This circumstance should be taken into account immediately and calculate your strength. If the loan has already been taken and you understand that the overpayment is very large, you can try to repay the loan at another bank. Reviews "Tinkoff" is not in vain called a lifesaver in case of emergency. If possible (a stable, white income has appeared)it is better to try to take a loan from another organization at a lower percentage and cover the debt.

What happens if you don't pay?

This bank is famous for its loy alty when issuing loans. But because of this, the risks of non-repayment of the loan increase many times over. Even on the forums, you can find various stories on the topic “I don’t pay a loan to Tinkoff Bank”. Reviews at the same time assure that it will not work for a long time to hide. The bad debt recovery scheme has been worked out for a long time. They will call constantly, around the clock, harassing the borrower, threatening to transfer the case to collectors or sue him. All this time, the interest for using the loan continues to drip, and a pen alty is charged on them.

This is usually not the end of the matter. Employees will come to your home, call relatives and friends, to work and almost to the gym that you visit. The credit history will be spoiled, and the money will still have to be returned. At the same time, the nerves are thoroughly exhausted. Whether the game is worth the candle is up to you. But it's best not to let this happen.

Instead of a conclusion

Bank "Tinkoff" can be scolded or praised, but the point here is no longer in the lender, but in the inability to manage money. Today there are so many temptations in the world that you can spend any amount, but before that you need to evaluate the ratio of your income and expenses. Even if you have a stable job, you need to think carefully. It may be easier to accumulate the required amount and not take risks in vain. So you will definitely be spared from interest and overpayments, as well as from problems in case of loss of work.

In general, mostcustomers speak positively about the work of Tinkoff Bank. If you need money urgently and for a short time, then it will become an excellent lifesaver. Another thing is if you have a small income and the payment will have to be stretched for a long time. The overpayment in this case will be very tangible. It is very convenient to use a Tinkoff Bank credit card to pay for purchases so as not to overpay for cash withdrawals from ATMs.