"Sovcombank": customer reviews

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

Sovcombank, according to reviews, is one of the five largest commercial banks in Russia in terms of key indicators: the size of assets, the number of offices. The strategy of the credit institution is to achieve the planned indicators in the niches of providing services to private and corporate clients.

Bank History

Sovcombank today is actively working in three main segments:

• Provision of retail services to the population. Lending services are provided mainly to citizens in cities with a population of less than one hundred thousand people. As of January 1 this year, the commercial bank provided services to more than three million customers.
• Interaction with corporate clients (five hundred largest corporations, three hundred and fifty thousand small and medium enterprises).
• Investing.

Credit ratings

The financial stability of Sovcombank is assessed by five rating agencies. Credit ratings and agency reports are shown below:

• This spring Fitch Ratingsaffirmed its long-term credit rating at 'BB-'.
• In the spring of the same year, S&P Global Ratings affirmed its long-term credit rating at 'BB-'.
• In March of this year, Moody's Investors Service confirmed the rating at Ba3.

Work at Sovcombank

The bank currently employs more than eleven thousand people. According to employees, Sovcombank has established itself as a responsible employer. Working in a bank brings financial stability and professional development. What does it take to become an employee of one of the largest financial institutions in the country? The requirements for candidates are as follows:

• Initiative and purposefulness.
• The ability to quickly make the right decisions and bear responsibility for them.
• Ability to work in a team.
• According to reviews, Sovcombank is glad to see highly qualified specialists in its team who want to work and develop rapidly. To consider a candidate for any vacancy, you must send a resume to the bank by e-mail or through the form on the official website of the bank.

According to reviews of Sovcombank, anyone who knows how to set goals and achieve them can build a career in a credit institution.

Contributions

The private customer service business is one of the fundamentalareas of work of the credit institution "Sovcombank". According to Sovcombank customers, the scale of attracting funds from individuals is increasing today at an increasing pace. Clients are provided with a full range of services: deposits, cards, and so on. Let's answer a very common question about who can open a deposit:

• A person can become a contributor if he is fourteen years old.
• A person can make a deposit in his own name or send his representative to a credit institution, handing him a power of attorney.
• Foreigners and stateless citizens can open a deposit if they wish.

Let's list the main types of deposits offered by Sovcombank:

• "Maximum income with Halva. The minimum deposit amount should be thirty thousand rubles. Interest is paid after the deposit expires on the Halva installment card. According to reviews of Sovcombank, this is the most demanded deposit among bank customers.
• "Maximum income". A deposit for clients who want to receive income from the funds placed in the bank by a certain date.
• "Regular income". Deposit with interest payment on a monthly basis. Accrued interest is paid on the date of opening (prolongation) of the deposit or on the date of expiration of the deposit by transferring to the "Halva" installment card of "Sovcombank". The minimum amount is one thousand, the maximum is thirty thousand rubles.
• "Interest on interest". The amount of the deposit varies from one to thirty thousand rubles. During the validity period of the deposit, the amount of all contributions cannot be more than the initial amount paid during the first ten calendar days from the moment the deposit was opened. Both cash and non-cash methods of replenishment are possible. Deposit with monthly interest capitalization. Accrued interest is added to the deposit, increasing its amount.
• "Always at hand." This placement program provides for the most flexible conditions: free replenishment and withdrawal of funds up to the minimum agreed balance on the account. The amount of the deposit varies from thirty thousand to three million rubles.
• "Automobile". Contribution for customers planning to purchase a car. The term of the deposit is one year. The rate varies from 6.6 to 7.6 percent. The amount of the deposit varies from one to thirty thousand rubles. The deposit is made upon presentation of a driver's license or vehicle title. When using funds from a deposit to purchase a car from dealers that are partners of Sovcombank, the deposit rate increases by one percent per annum, starting from the seventh month and until the expiration date of the deposit. The rate may increase upon submission of documents on the purchase of a vehicle from partners of Sovcombank.

Credits

Judging by customer reviews of Sovcombank, the credit institution offers favorable conditions for all productsretail lending:

• Mortgage.
• Car loans.
• Consumer lending.

A loan for the purchase of real estate is issued on the following conditions:

• The age of the borrower must be between twenty years old at the time of receiving the loan, up to eighty-five years old at the time the loan expires.
• Borrowers have permanent registration in one region of the country.
• Real estate must be located in Moscow or the Moscow region.
• The loan amount should be up to one hundred million rubles.

A loan secured by real estate is issued on the following conditions:

• The age of the borrower must be between twenty years old at the time of receiving the loan, up to eighty-five years old at the time the loan expires.
• Borrowers have permanent registration in one region of the country.
• Personal mobile contact number available.
• Types of real estate suitable for collateral: apartments, rooms, houses, buildings with land.
• A credit institution has the right to request an additional guarantee of an individual as security.
• If the real estate being pledged is in common joint or shared ownership, then co-borrowers must be present at the transaction to obtain a loan.
• Possibility to connect the service of providing a guaranteed minimum rate of 11.9 percent per annum.

Loan secured by transportfunds are provided under the following conditions:

• The loan is provided for the purchase of transport, which will be a pledge.
• You can buy a car in car dealerships that are partners of the bank.
• The age of the borrower must be between twenty-two years old at the time of receiving the loan, and up to eighty-five years old at the time the loan expires.
• The client must have the citizenship of our country and registration in Russia for at least the last four months.
• The borrower has a landline work or home phone.
• The borrower must be officially employed and his work experience at the last place of work must be at least four months.
• Requirements for the subject of pledge: a movable vehicle of category "A", "B", "C" and "D" not older than seventeen years for cars of the first category and not older than ten years for cars of the second category. The second category includes VAZ, VIS, Bogdan, GAZ and other cars produced in our country, Chinese brands. The first category includes all cars that do not fall under the second.
• The documents required to consider a loan application are a citizen's passport, SNILS, driver's license, military ID, income statement or bank statement. In the absence of a military ID, a guarantee from parents or other adult relatives is required for men aged twenty-two to twenty-six. Help in form 2 personal income tax is provided inmandatory for a loan amount of eight hundred thousand rubles.

Lifebuoy

In customer reviews of loans in Sovcombank, it is noted that it is possible to resume lending to customers using a three-stage credit history improvement program. The credit institution guarantees each next stage, subject to the rules for using the products. We describe the main steps of the procedure:

• The first step. According to reviews of Sovcombank, Credit Doctor is an individual program for improving a client's credit history with the proper fulfillment of obligations undertaken. The client must use the set of purchased services and make payments on the loan without delay. To apply for the program, you need to apply to the bank with a citizen's passport. According to reviews of the "Credit Doctor" in "Sovcombank", the program has helped more than a dozen people to start using lending services again. There are two types of programs. The first is valid from three months to six months, costs 4999 rubles, and the second is valid from six months to nine months and costs 9999 rubles. The interest rate for using funds under the program is 33.3 percent.
• The second step is called "Money to the card". The loan term is six months. The loan amount is from ten to twenty thousand rubles. Interest rate - 33.3 percent.
• The third step is called "Express Plus". The loan term is six months, a year or a year and a half. There are two types of programs "Express-plus": for the first limit of lending from thirty to forty thousand rubles, for the second limit from thirty to sixty thousand rubles. Sovcombank gives a loan guarantee after the end of the Improvement of Credit History program if all the rules for using the bank's products are observed.

Credit cards

According to user reviews, Sovcombank offers very favorable conditions for issuing credit cards. You can apply for a card through the form on the website of the credit institution.

Map "Halva"

The "Halva" card issued by the credit institution "Sovcombank" provides its customers with the opportunity to make purchases in installments up to twelve months without a down payment and commissions in stores that are partners of the bank.

According to user reviews, the Halva card of Sovcombank has a number of undeniable advantages over other cards:

• Purchase of goods by installments in stores that are partners of Sovcombank.
• Providing installments for a calendar year without interest.
• The possibility of setting a credit limit in the amount of three hundred and fifty thousand rubles.
• Contactless payments.
• No fee for annual card maintenance.
• Charging interest on the balance of funds on the card. Interest rate of 6.5 percent.
• Getting a detailed report on all transactions carried out on the card.

According to user reviews, "Halva" "Sovcombank" has three types of cards:

• "Halva Halal".
• "Halva-Bonus".
• "AutoHalva".

Halva Halal

"Halwa Halal" provides the following benefits to users:

• Possibility of interest-free installments when purchasing goods in a partner network of stores for a period of twelve months. Sovcombank's partners are sixty thousand stores in our country.
• Possibility of establishing a credit limit in the amount of three hundred and fifty thousand rubles.
• No fees when issuing a card.
• Return of the amount of remuneration (cash-back) to the card for any purchases at the expense of the client's funds in the affiliate network.

According to reviews, Sovcombank's "Halva" installment card allows you to make profitable purchases in the country's most popular and sought-after retail outlets.

Halva-Bonus

"Halva Bonus" is a unique gift. When the card is activated, the client receives a gift in the form of bonuses in the amount of one thousand rubles. It is possible to additionally deposit funds on the card and thereby increase the gift amount. We list the main conditions for using the card:

• To activate the "Halva Bonus" card, you must apply for a card at the bank's office.
• When activated, a bonus in the amount of one thousand rubles is credited to the card. Money is available the next day afterreplenishment of the card.
• The client can deposit funds to the card and make purchases. The maximum volume of purchases per month should not exceed forty thousand rubles, and per day - fifteen thousand rubles.
• Cash withdrawal, transfer of funds from the "Halva Bonus" card to other cards is not possible.
• The first purchase is made with a contact chip. Further, contactless payment for purchases is possible for up to one thousand rubles.
• After the expiration date "Halva Bonus" becomes invalid.
• The card is non-refundable and non-exchangeable. A client can receive a "Halva Bonus" card once, then an exchange for a "Halva" installment card is possible.
• The purchase of goods with the "Halva-Bonus" card is possible only in stores that are partners of the bank.

AutoHalva

"AutoHalva" is an extended version of the installment card. This is the perfect choice for family car enthusiasts. We list the main conditions for using the card:

• The possibility of interest-free installments when purchasing goods in a partner network of points of sale for a period of twelve months.
• Additional installments for two months in the partner network stores in the category of auto shops and gas stations.
• Possibility of establishing a credit limit in the amount of three hundred and fifty thousand rubles.
• No fees when issuing a card.
• Charging interest on the balance of funds on the card. Interest rate of 7.5 percent.
• Return of the amount of remuneration (cash-back) to the cardfor any purchases at the expense of the client's funds in the affiliate network.

Car enthusiasts leave positive feedback about Sovcombank's Halva, noting the opportunity to service and refuel the car on very favorable terms.

Results

Reviews about Sovcombank indicate that this financial institution is successfully developing as a universal bank. Sovcombank offers a huge range of services for private and corporate clients. The financial institution is developing dynamically and demonstrates the stability of all indicators. The work of the professional team is aimed at the result, that is, at the development of the bank in the financial markets. The regional network of Sovcombank covers a significant part of the territory of Russia. This allows customers to receive the full range of quality banking services, regardless of where in the country they live or are located. According to reviews of Sovcombank, all its branches are conveniently located relative to highways and public transport stops.