Moscow Credit Bank: feedback from employees and customers

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

"Moscow Credit Bank" was established twenty-six years ago, in 1992. Since then, judging by customer reviews, Moscow Credit Bank has been providing a full line of products for the population and businesses, offering the entire line of banking products and services. The credit institution is a member of banking communities and has the required licenses. In the winter of 2004 Moscow Credit Bank joined the state deposit insurance system. The credit institution is on the list of systemically important banks in the country.

Head office

Office at 2 Lukov pereulok, building 1 is the central branch of Moscow Credit Bank in Moscow. Customer feedback indicates that not only the head office of the bank, but also other branches are located in the capital very conveniently, close to public transport stops, including metro stations.

Bank job

According to the opinion of the employees of the Moscow Credit Bank, work in a credit institution brings financial stability and development in the professional field. What does it take to become part of the workforce of one of the largest banks in the country? Judging by the reviews about working at Moscow Credit Bank, the requirements for applicants are as follows:

• Professional education received at a higher educational institution.
• Result-oriented.
• The ability to quickly make decisions and be responsible for them.
• At least three years of experience in banking services.
• The ability to be part of a close-knit team.

Contributions

Keeping money at home, as most of the inhabitants of our country did many years ago, is irrelevant today, if only because of inflationary processes in the country. To prevent the depreciation of funds, citizens prefer to keep their funds on deposits in commercial banks. Deposits are different depending on the main terms of the agreement: minimum and maximum amount, interest rate, term, conditions for prolongation, replenishment and withdrawal of funds.

Today, more than ever, the banking system depends on the behaviorpopulation, inflow or outflow of deposits from credit institutions. The share of deposits in the liabilities of financial institutions is constantly increasing. This has a positive effect on the economy, on the one hand, and the risk of dependence on the mood of the masses, on the other hand. Foreign and domestic experience of our country has repeatedly confirmed that the appearance of any rumors about the deterioration of the situation in the country contributes to the outflow of savings from the financial sector, which automatically contributes to the banking crisis. As an internal mechanism to curb the outflow of deposits, a system of deposit insurance was invented. Today, deposit insurance systems operate in more than seventy countries around the world. Fifteen years ago, the insurance system was created in our country. She identified the main ways to protect the savings of the country's residents.

Retail business related to servicing individuals is one of the main activities of the financial institution "Moscow Credit Bank". According to investors, the volume of attracting money from citizens is increasing every year. Customers are provided with a full range of services.

Types of deposits are presented in the table:

Name	Income, interest per annum	Term of placement	Amount	Interest calculation	Replenishment	Prolongation	Partial withdrawal
Recipe for happiness	8, 5	300 days	from a thousand to a million	at the end of the period with addition to the deposit amount	no
All inclusive. Maximum income	7, 25	three months to a year	Thousand to ten million	at the end of the period with addition to the deposit amount	no	automatic renewal	no
All inclusive. Cumulative	6, 74			monthly without adding to the deposit amount	yes within the maximum deposit amount
All inclusive. Cumulative with capitalization	6, 75			monthly with addition to the deposit amount
All inclusive. Settlement	6, 25				maybe up to twenty times the minimum balance		maybe up to a minimum balance

Individuals, leaving feedback on deposits in Moscow Credit Bank, focus on the fact that they value, first of all, the individual approach of bank employees to each client who wants to place funds in the bank.

Depositor requirements:

• Client must be at least fourteen years of age.
• Having a passport.

Credits

Now people live in a time when borrowed funds have become an integral part of the life of citizens of our country. It is problematic to find a person who would not be offered to take a consumer loan in cash to solve personal problems or buy goods in installments in a store, purchase a home with a mortgage or a car on credit. Many of the citizens took, take and will take consumer loans or targeted loans to expand theirliving space or buying a new car. There are a huge number of people who today buy phones, TVs, furniture, shoes and clothes on credit. Some citizens are even treated and go on vacation exclusively on credit.

Commercial banks skillfully use other people's weaknesses, problems, deriving benefits from everything. Of course, you can take loans and sometimes you need to. The main thing is to carefully study the conditions prescribed in loan agreements and correctly calculate your financial strength.

After all, not always getting a loan is preceded by an urgent need for money, sometimes it is preceded by a desire to quickly and completely satisfy one's material needs and desires. Any person has many desires, many times greater than his financial, physical and temporal capabilities. There is a mechanism for the impact of borrowed funds on a person's ability to work effectively to realize their desires.

Judging by the reviews of loans in the Moscow Credit Bank, the credit institution offers attractive conditions for all retail lending products to satisfy any desires of its customers:

• Loans secured by real estate.
• Loan secured by vehicles.
• Cash loans.

Consumer credit

According to reviews of consumer loans in the Moscow Credit Bank, the institution offers one of the most attractive lending programs today. The client has the opportunity to apply for a loan for personal purposes onfollowing conditions:

• Loan amount up to three million rubles.
• Loan rate from 10.9 percent per annum.
• Loan term up to fifteen years.
• Consideration of a client's application, as a rule, takes no more than an hour. The maximum period is three business days.
• The insurance contract is concluded at the request of the client.

Requirements for a citizen applying for a loan for personal purposes, judging by the reviews of loans in the Moscow Credit Bank, standard:

• Customer must be at least eighteen years of age.
• He must have a source of income to repay the loan. Employer registration - Moscow or Moscow region
• The actual registration address is the capital of our country or the Moscow region.
• Citizenship - Russia.

So, the reviews on cash loans in the "Moscow Credit Bank" indicate favorable and affordable lending conditions for residents of the capital of our country.

Refinancing

Thanks to the current refinancing program, the client, judging by the reviews of Moscow Credit Bank, can easily get a loan to repay existing loans in third-party banks on favorable terms for him. We list the main advantages of on-lending at the Moscow Credit Bank:

• Loan rate reduction.
• Decrease in monthly loan payment.
• Revision of the submission deadlineloan.
• Consolidation of several loans into one in one credit institution.
• Ability to repay secured loans.
• Possibility of obtaining credit funds for personal needs in excess of existing debts, in addition to funds provided to refinance third-party loans.

Conditions, judging by the reviews of the Moscow Credit Bank, are very attractive:

• Loan amount up to three million rubles.
• Maximum loan term up to fifteen years.
• Loan rate from 10.9 percent per annum.
• Prompt decision making up to three working days.
• Cashless transfer of borrowed funds to repay loans in other commercial banks.

List of documents required for consideration of a client's loan refinancing application:

• Application for the final early repayment of all loans.
• Certificate on the current state of the client's loans in other credit institutions.
• Copy of loan contracts for repayable loans.

All documents must be certified by the signature of an authorized person and the seal of a third-party organization and contain the correct details, the number of the client account for the loan being repaid in a third-party credit institution. If the details of the creditor are not known on the day of filing the application, then the details can be provided on the day of the transaction.

Credit cards

"Moscow Credit Bank" offers conditions for using credit cards on favorable terms. You can apply on the institution's website. The borrower will receive the decision to grant the card fairly quickly. Consider the main types of cards:

Name	Credit limit, thousand rubles	Grace period, days	Cash Back Interest	Cost of maintenance, rubles per year	Rate, percent
Standard	300	55	up to one percent in rubles of the cost of purchases up to five percent with MKB Bonus points in certain categories	850 or 1200	The interest rate after the interest-free period: from 21 percent per annum in rubles, from 18 percent per annum in foreign currency.
Gold	500			3000
Premium	800			5500

For customers who travel frequently, who value top-level comfort and service on the road and in flight, first of all, the World Mastercard Black Edition card was invented. Let's list the main privileges that it provides to its user:

• This is a credit card and a deposit card at the same time. The client can use both borrowed and own funds to pay for purchases or services.
• Discounts and privileges in more than a hundred countries.
• Exclusive consulting and customer service.
• Having an insurance program for traveling customers.
• Free withdrawal of own client funds at all ATMs.
• Pay for purchases using contactless technologypayments.
• Participation in the MKB Bonus program.
• Charging interest on the balance of the client's funds on the card.
• Participation in the MKB Bonus program.

"Moscow Credit Bank" has developed a Visa Infinite card, which has no analogues in our country. It is released in a small edition, it is decorated with three diamonds of 0.01 carats, decorated with a pattern of platinum lace. Let's list the main privileges that it provides to its user:

• 24-hour legal, medical assistance.
• Insurance of the borrower under several programs (life, he alth, property, disability). Extended program for customers with cards with a coverage limit of up to three million rubles.
• Huge discount program.
• This is a credit card and a deposit card at the same time. The client can use both borrowed and own funds to pay for purchases or services.
• Free withdrawal of customers' own funds from ATMs.
• Pay for purchases using contactless payment technology.
• 24/7 concierge service.
• An additional card that is a pass to premium airport lounges around the world.
• Charging interest on the balance of own funds on the card.
• Participation in the MKB Bonus program.

Requirements for a borrower applying for a loan, judging by the feedback from clients of the Moscow Credit Bank, are standard:

• Borrower must be 18 years of age or older.
• A citizen must have a stable source of loan repayment. Employer registration - Moscow or Moscow region
• The actual address of residence is Moscow or the Moscow Region.
• Citizenship of the client is Russia.

Mortgage

According to the reviews of the mortgage in the Moscow Credit Bank, the institution offers one of the most convenient lending programs secured by real estate in Russia today. The borrower has the opportunity to apply for a loan for the purchase of finished or under construction housing on the following conditions:

• Loan amount from one to fifteen million rubles.
• Loan rate from 9.99 percent per annum.
• Loan term from one to twenty years.
• The value of real estate is not more than one hundred million rubles.
• Early redemption takes place without charging an additional commission from the client.

The client has the opportunity to apply for a loan secured by existing real estate on the following conditions:

• Loan amount from one to thirty million rubles.
• Loan rate from 12.99 percent per annum.
• Loan term from one to twenty years.
• Early redemption takes place without charging an additional commission from the client.

Requirements for a borrower applying for a car loan:

• Customer must be of legal age.
• A citizen must have an official source of loan repayment. Borrower's employer registration - Moscow or Moscow region
• The address of the borrower's residence is Moscow or the Moscow region.
• Citizenship of the client is Russian.

Car loan

According to customer reviews of loans at the Moscow Credit Bank, the institution has developed one of the most attractive loan programs secured by vehicles in our country today. The client can borrow on the following terms:

• Loan amount from 120 thousand to four million rubles.
• Loan rate from 14.5 percent per annum.
• Loan term from six months to seven years.
• Initial payment of at least 15 percent of the cost of the car.
• Customer can purchase cars and commercial vehicles, foreign or domestic production.
• The insurance contract is concluded at the request of the client.

Requirements for a borrower applying for a loan, judging by the feedback from clients of the Moscow Credit Bank, are standard:

• Customer must be of legal age.
• The borrower must have a stable source of loan repayment. Employer registration - Moscow or Moscow region
• The actual address of residence is Moscow or the Moscow Region.
• Client's citizenship must be Russian.

Payment methods for loans

According to reviews of the Moscow Credit Bank, it is convenient and easy to pay for loans from a financial institution in several ways:

• In terminals and ATMs of the bank.
• Via internet banking. Internet banking, according to reviews of the Moscow Credit Bank, is available around the clock, seven days a week. It allows the client to manage their accounts directly from home. Internet banking is provided without a monthly fee.
• With the help of connected auto payment by debiting funds from any card the borrower has.
• Through communication stores.
• At bank branches.

Results

Courts According to reviews, Moscow Credit Bank has established itself as a reliable credit institution. It provides clients with a full range of services in the field of providing services to the population and business.

In Moscow, Moscow Credit Bank, according to employees, is one of the most attractive employers, because, in addition to stable earnings, it gives its employees the opportunity for professional and career growth.