Which loan is the most profitable and in which bank

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

Purchases do not always bring joy, because, having spent a monthly salary, a person is forced to experience huge financial difficulties. But what if you need to buy a car or expensive household appliances? Fortunately, today in almost every bank you can get a loan and get it in the form of cash or on a card. However, such a variety of credit organizations and offers from bankers leads to the fact that it becomes increasingly difficult for citizens to make a choice in favor of a particular program.

Therefore, it is worth considering which bank has the most profitable cash or card loan. What conditions must the applicant meet? Is there an age limit?

What to look for: user recommendations

When deciding which bank has the best consumer loan, reviews should be studied first. Those who have already borrowed repeatedly have encountered a number of pitfalls that can be easily overlooked. Consider the most common of them:

• Sometimes in commercials, banks use only part of the real information about lending rates and terms of loans. The point is that this or thatcalculated on the basis of the submitted documents. In some situations, the minimum commission is possible only after obtaining comprehensive insurance. If it is not done, then the interest fee automatically increases, which the bank client does not even know about until he receives the first notice of the debt.
• Some, when deciding which loan is the most profitable, believe that early repayment of the loan can significantly save on overpayment. However, this is not the case. Some banks provide pen alties for early deposit of funds. However, such conditions are usually typical for not the most popular organizations, but only for those who simply want to get a lot more commissions, without looking far into the future and not particularly concerned about reputation.
• Many believe that by making monthly payments through the cash desk in the bank, you can save a lot. Actually it is not. Repayment through special terminals or using a computer is much more profitable. In this case, the service fee from the operator is not charged.
• The biggest problem bank customers face is late fees. If you fulfill the terms of the contract in good faith, then there will be no consequences. All the confusion begins when the bank's client makes a payment later than the promised date. In this case, the system for accruing fines may differ depending on the bank. To avoid trouble, it is necessary to clarify the operator and possible sanctions. It is also worth clarifying what paid services will be included in the package.suggestions. Sometimes a loan involves an additional monthly payment for notifications that come to the phone. If the payment amount does not include this option, additional late interest may begin to accrue.

Before signing the contract, you need to re-read it several times and clarify with the operator the exact amount of the interest rate, as well as what amount it is calculated from.

Now it is worth considering which bank has the best cash or card loan.

Sovcombank

The interest rate is only 12% per annum, which is a pretty good offer today. At the same time, customers can apply for a loan for the maximum possible amount of 400 thousand rubles. However, upon submission of additional documents and depending on the specific client, the loan can be increased up to 1 million.

To receive funds with an interest rate of 12%, clients need to prepare a certificate of income. At the same time, a citizen of the Russian Federation over the age of 35 must work in the same organization for at least 4 months.

If we talk about which bank is the most profitable for a loan to pensioners, then all residents of the country who are not yet 85 years old can apply. However, keep in mind that all funds must be paid before this age.

If a client is between 20 and 35 years old, he can get a loan in the amount of up to 1 million rubles for 5 years with an interest rate of 17%. However, in this casethere will be one important condition - a deposit in the form of a vehicle.

Post Bank

When deciding which is the most profitable consumer loan, many do not pay attention to this organization, which opened not so long ago. And in vain. This bank offers its potential customers to issue a credit card with a limit of up to 500 rubles. If the loan is repaid within 4 months, no interest will be accrued on the funds. The minimum loan is 15 thousand rubles.

If the interest-free period was overdue, the interest rate will increase from 0% to 27.9%. Also, the annual maintenance of the card will cost 900 rubles.

Loans are issued to citizens over the age of 18. The work experience must be at least 3 months. However, income verification is not required, only a passport is sufficient.

Binbank

If we talk about the most profitable cash loan you can get, then you should pay attention to the offer from this organization. Clients are offered to apply for a loan in the amount of 50 thousand rubles to 2 million. At the same time, the loan can be repaid within 7 years at an interest rate of 14.5%. To do this, it is not necessary to visit a bank branch, all operations can be performed from your personal PC connected to the Internet. However, at the same time, loans are not issued to unemployed people and private entrepreneurs, i.e., individual entrepreneurs. There are also age restrictions. Bank customers wishing to apply must be at least 23 and not more than 63 years old. In addition, you needprovide a certificate of income and a copy of the work book so that branch employees or online operators can verify that a citizen has been working in the same place for at least 3 months.

VTB 24

When deciding which bank has the best loan interest, many prefer time-tested organizations. In VTB 24, you can receive funds in the amount of up to 3 million rubles, the payment of which is given for 7 years. The rate is 14.9%. To receive such a consumer loan, you must provide a work book and a certificate confirming the presence of a fixed income. At the same time, the age of potential bank customers must be at least 21 years old, but not more than 70 years old.

The uniqueness of this loan offer lies in the fact that every year the interest rate on the loan goes down. However, this is only possible if there are no delays in payments.

Citibank

In some situations, it is important for citizens not only to find out what is the most profitable consumer loan, but also the possibility of obtaining funds in favor of an existing loan. In this case, it is worth considering offers from Citibank. Clients can take funds to repay loans in other banking organizations. The maximum loan amount is up to 2.5 million rubles. Loan interest - from 16% to 20%.

To draw up a contract, you must prepare a certificate of income. Also, funds can be received not only in cash, but also by issuing a creditcard with a limit of up to 600 thousand rubles. In this case, the interest rate will be from 23%. However, if you repay the loan within 50 days, you will not have to overpay.

If a bank client already has a salary card, then he can count on a loan at a lower rate, which will be only 14%.

Raffeisenbank

When determining which loan is the most profitable, this organization should not be excluded from the list. In "Raffeisenbank" you can get up to 1 million rubles for a period of 5 years. At the same time, depending on the specific conditions of lending, the interest rate can range from 12.9% to 15.9%.

Loans are issued to citizens of the Russian Federation who have reached the age of 25, and those who have not yet turned 64. At the same time, it is necessary to confirm that the client has a permanent job where he has been working for at least 6 months. Salary must be at least 25 thousand rubles.

You can also get a credit card, the limit of which is 600 thousand rubles. In this case, the annual interest rate will be 29%. There is no additional fee for withdrawing cash from an ATM.

Alfa-Bank

Speaking about which loan is the most profitable, it is worth considering another eminent and well-known organization. In Alfa-Bank, you can get a profitable loan in the amount of 50 thousand rubles to 1 million. The interest rate directly depends on the loan repayment period, which can be from 1 to 3 years. Typically, clients pay out cash with a commission of 17% to 26% per annum.

To draw up a contract,the client must bring a certificate confirming solvency and the presence of a stable job, where the citizen has been registered for the last six months. Loans are not available to people under the age of 21.

What is the best loan from a bank? Of course? card design. The fact is that in this case, interest will not be charged not for 50 days, but twice as long. At the same time, you can issue a credit card with a limit of up to 1 million rubles. After 100 days, the interest on the loan will be 24%. Another plus of this program is that the card can be issued to those who are already 18 years old. However, you still need to confirm the presence of an official place of work.

MTS-Bank

The largest mobile operator also offers quite interesting lending conditions. However, only those citizens who have been subscribers of this provider for at least 1 month can get a loan.

To apply for a loan in the amount of up to 100 thousand rubles, you do not need to provide income certificates, you only need a passport and a second document confirming the identity of a potential client. You can repay the loan up to 1 year. The interest rate will be only 15.9%.

However, it should be borne in mind that in this case it will not be possible to get a loan if the citizen already has debts in other banks.

Also here you can get a "credit card" with a limit of up to 300 thousand rubles. In this case, no interest will be accrued for 51 days. After that, the rate increases to 23%.

Sberbank

Not a single rating of banking organizations can do without it, especially when it comes to which bank has the most profitable mortgage loan. In Sberbank, the rate on it is only 10.75%. However, in order to receive such a favorable home loan, you need to meet certain requirements.

The fact is that only large young families with at least 3 children can count on a loan. In this case, the bank is ready to lend customers up to 8 million rubles. Those who do not meet the requirements can apply for a loan. Its amount is 15 million rubles.

Also, speaking about which loans in Sberbank are the most profitable, it is worth considering one interesting program. If the client brings a guarantor, then he can get a consumer loan at a reduced interest rate of 12.9%.

In closing

It should be borne in mind that the conditions for lending to any bank may differ depending on the specific situation. Usually, information is indicated on the sites for review, therefore, before signing the contract, it is necessary to clarify all the requirements of the bank again. You can submit multiple applications at once. If denied, you won't have to wait a few more weeks for your next application review.