"Sovcombank": feedback from employees and customers

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

Competition between financial institutions in Russia today is quite high. Many banks seek to attract customers with profitable deposits, low interest rates on loans, and additional services. Sovcombank is becoming increasingly popular among individuals. Feedback from employees shows that the loan portfolio has grown several times in recent years.

Basic information about the bank

In 1990, a financial institution with an interesting name "Buikobank" began its activities. Subsequently, the company was repurchased by the current owners and the name changed to Sovcombank. Feedback from employees who have been working since the foundation of the institution shows that with the change of owners there was a big push in the development of the financial institution. Since 2003, the main office has been located in Kostroma. Here he is today. In 2004, the company received a General License for banking operations.

Significant influx of customers was observed in 2005. This is no coincidence, because it was at this time that the financial institution became a member of the Deposit Guarantee Fundpersons. In parallel, the bank began to offer favorable conditions for deposits. Feedback from employees about Sovcombank shows that already in 2008 the institution entered the TOP-50 best financial institutions in the country in terms of consumer lending to individuals.

Every year, the Sovcombank network is expanding significantly. Today there are more than a thousand points of sale in 30 regions of the country. These are not only mini-offices, but also representative offices in large stores. Buyers have the opportunity to draw up a loan agreement right in the shopping center and go home with a pleasant purchase. Almost every Seventh Continent store has a Sovcombank representative office. The financial institution also works closely with other outlets.

Today Sovcombank, according to customer and employee reviews, occupies a leading position in consumer lending. The number of clients who are not afraid to entrust their funds to the company and enter into deposit agreements is also growing.

Consumer lending

Attracts clients of Sovcombank PJSC with favorable interest rates. Feedback from employees shows that the institution may well compete with Sberbank on consumer lending. Due to the fact that the company has a large number of points of sale in stores, loans for goods remain the most in demand. Each client has the opportunity to purchase clothes, household appliances, a computer, furniture in the amount of 1 to 500 thousand rubles. The main condition is the experience at the last place of work for at least 4 months. plus inthat there is no age discrimination in Sovcombank. Any adult citizen can make a deal. The maximum age of a potential client is 85 years old.

Pleased with the fact that a minimum package of documents is required to conclude an agreement. If the amount of goods does not exceed 30 thousand rubles, it is enough to present a passport of a citizen of Russia.

Cash loans are also in demand. Each adult citizen has the opportunity to borrow up to 40 thousand rubles from the bank at 23.8% per annum under the Express Credit program. The contract can be concluded only in the mini-office. The rate under the agreement can be reduced if the client receives a pension or salary on a Sovcombank plastic card.

Special conditions are offered for pensioners who continue to work. Such clients can receive from 40 to 300 thousand rubles at 16.4% per annum. Subject to the registration of a salary card at the bank, the rate is reduced by 5%.

Credit cards

A plastic card is a convenient payment instrument. There is no need to carry large sums of money with you. Finances are kept in the client's bank account. And the card is the key that can be used in any store that has a terminal. Favorable conditions for such products are offered by Sovcombank. Feedback from employees shows that dozens of customers apply for credit cards to a financial institution every day. The instant installment product called "Halva" is very popular. The advantage is that when usingcards in partner stores, the client receives an interest-free loan for 12 months. There is no need to make a down payment.

The credit limit is constantly renewed. This means that the client can withdraw money again, which he returns to the card. The maximum loan amount is 350 thousand rubles. The contract is concluded free of charge. The client independently decides when to start using credit money. Another plus is that the Halva card can also make a profit. If the client deposits money into the account in excess of the established credit limit, the bank charges 8.25% per annum.

The client can pay with credit money for the Halva product only within the network of partner stores. That is, such a card is intended only for cashless payments. You will not be able to withdraw cash from an ATM.

There are also low-interest credit cards available with no designated use. That is, the client can withdraw money from any ATM or pay with a credit card for purchases. The most popular product is the Golden Key. Any citizen of the Russian Federation aged 20 to 85 can apply for a card. The maximum credit limit is 500 thousand rubles. There is a grace period of up to 56 days. If during this time the client does not return the money to the account, you have to pay a commission - 24.9% per annum.

Auto loans

Sovcombank offers a really wide range of services related to lending to individuals. Employee reviews show that car loans are very popular. dealcan be concluded by any citizen of Russia aged 22 to 85 years. A prerequisite is official employment in one place for at least 4 months. An important role is also played by registration at one place for at least six months.

Cooperates with many car dealerships of Sovcombank PJSC. Feedback from employees shows that most of the loans for vehicles are issued in such salons as Hamex, Avtolime, Volor, Avtograd, AMP Motors, etc. The loan amount under the agreement can reach 2 million rubles. The maximum loan term is 5 years (60 months). The contract rate is 28.9%. Early repayment is welcome, no pen alties will have to be paid.

Each customer has the opportunity to get a loan from official dealers for both new and used vehicles. To conclude a transaction, you only need to provide a passport and SNILS number. An income statement will speed up the decision to issue a loan.

Mortgage

Sovcombank can also help with the purchase of your own housing. Feedback from employees shows that real estate loans are very popular today. Everyone can buy housing both in the primary and in the secondary market. The object of lending cannot be only apartments located in panel houses intended for demolition.

Favorable conditions are offered by Sovcombank in Kazan. Feedback from employees makes it possible to understand that anyone can buy real estatean employed citizen of the Russian Federation over the age of 25 years. The age at the end of the contract should not exceed 85 years. The purchase price should not exceed 30 million rubles. At the same time, the mortgage rate will be only 11.9% per annum. Interest is charged on the outstanding balance. A prerequisite is an initial payment of 20% of the cost of housing.

Real estate, which is purchased on credit, automatically becomes a pledge. If the client stops making mandatory payments, the bank has the right to confiscate the apartment.

Deposits from Sovcombank

Reviews of employees in St. Petersburg show that services related to deposits are more popular here. This is no coincidence. After all, a financial institution offers really favorable conditions for individuals. Each client can get the greatest benefit under the “Maximum Income” deal. You can conclude an agreement in a mini-office or in real time if you already have a bank account and have access to your personal electronic account.

Maximum deposit term - 3 years, minimum - 1 month. Holders of the Halva card receive the greatest benefit. They can make a deposit at 8.4% per annum. For new customers, a rate of 7.5% is offered. The deposit amount cannot be less than 30 thousand rubles.

For customers who are accustomed to managing their own savings, the product "Always at hand" is offered. The card is issued to the clienton which you can put savings in an unlimited amount and, if necessary, withdraw them. The deposit rate in this case will be 5% per annum.

For business

Sovcombank offers many interesting offers for owners of their own business. Feedback from users and employees shows that settlement and cash services are provided here on favorable terms. Clients who are just starting their own business are offered the "Starting" tariff. For account maintenance, you will have to pay only 650 rubles per month. You can make up to 5 payments for free. For businessmen who are accustomed to using the full range of banking products, the "Personal" tariff is offered. You will have to pay 1850 rubles for maintenance per month, while all operations are carried out without restrictions. And for those customers who also want to receive passive income, you should pay attention to the “Profitable” tariff. You will have to pay 3,000 rubles a month for maintenance. At the same time, a fee of 7% per annum will be accrued on the positive balance. This is beneficial if impressive amounts pass through the account.

What else attracts Sovcombank businessmen to Kostroma? Feedback from employees shows that every owner of his own business can conduct transactions and manage accounts remotely. The program "Internet client" is installed free of charge. The manager can carry out accounting operations while at home or on vacation.

Business loans

Everyonea private entrepreneur can receive additional finance to expand his business. To conclude a transaction, you do not need to fill out reports on income for the past time or open a current account with Sovcombank. Feedback from employees in Moscow shows that the decision to issue funds is made within 2-3 business days. In addition, each private entrepreneur can receive up to 1 million rubles. If real estate or a vehicle is provided on bail, the transaction amount may increase to 30 million rubles.

The loan rate will directly depend on the amount that the client takes from the bank. For the product "Super Plus" (amount up to 1 million rubles), an overpayment of 19.5% per annum is provided. If a transaction is made on the security of real estate or transport, the rate is reduced and amounts to 18% per annum. The maximum loan term is 60 months.

Payroll services

Owners of large firms are invited to take advantage of the advantageous offer of Sovcombank. Feedback from employees in Novosibirsk shows that every second client already has a payroll card of a financial institution. This is beneficial, first of all, for the owners of companies that have previously opened a current account for doing business with Sovcombank. Significantly reduce the cost of accounting operations, the transfer of wages to employees.

It is beneficial to have a card from Sovcombank and ordinary customers. First of all, they get the opportunity to issue loans on loyal terms. For making a carda minimum package of documents is required.

Customer reviews of Sovcombank

The financial institution has already earned a good reputation. Many clients who once had to cooperate with the bank return for services again. Favorable conditions and convenient services please. You can hear a lot of good reviews about Internet banking. In real time, each client can make payments, study the history of transactions, make utility payments, etc.

Sovcombank offers many interesting special services. Feedback from employees in St. Petersburg shows that the insurance programs of a financial institution are also popular. Payments are debited from the client's account. There is no need to additionally visit the bank office to sign the insurance contract.

Positive customer feedback makes it clear that the financial institution is growing rapidly. This is confirmed by numerous additional services, new offices, favorable conditions for deposit agreements. Customers are also pleased with the well-designed official website of a financial institution, where you can find out detailed information about any product offered.