"Metallinvestbank": feedback from employees and customers

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

Many people are accustomed to trusting trusted financial institutions, which are always on the buzz. Meanwhile, more profitable services can be obtained from less popular banks. Good products don't need advertising. On loyal terms, he offers to issue a loan from Metallinvestbank. Reviews show that profitable deposit programs are also offered here.

General information

Today, not everyone knows what Metallinvestbank is. Reviews of experts show that individuals prefer to trust institutions that are always on the lips. These are Sberbank, Promsvyazbank, VTB24, etc. Meanwhile, Metallinvestbank has been operating since 1993 and is not going to stop there. The number of active clients is increasing every year, and the authorized capital of the institution is also growing.

The main activity of the bank today is comprehensive customer service. Favorable loan programs are offered. Everyone can make a deposit both in national and foreign currencies. The Bank is a member of the Deposit Guarantee Fund for individuals. In 2017, Metallinvestbank entered the Top 100largest national banks. The company ranked 61st in terms of assets.

Today there are more than 50 offices and branches of the bank throughout the country. New offices open every year. Quality service is provided in real time. You can hear a lot of good reviews about the work of the Internet bank.

Consumer lending

This line of business today is the most profitable for many financial institutions. Metallinvestbank does not lag behind either. Customer reviews show that you can get a loan for goods here on really favorable terms. The advantage is that the borrower independently chooses a debt repayment scheme - annuity or differentiated. Low interest rates are also attractive. It is possible to get a loan at 18% per annum.

Each client has the opportunity to take money in cash for a period of 12 to 60 months. The main condition is official employment in the last place for at least 6 months. The loan amount can be from 50 thousand to 1 million rubles. Favorable conditions are offered for pensioners. Clients under the age of 65 can take 600 thousand on credit at 15.5% per annum. The main documents for concluding a deal are a passport of a citizen of the Russian Federation, a SNILS number, as well as a certificate of income for the last 6 months.

Good conditions are offered for holders of Metallinvestbank's payroll cards. Customer reviews show that it is possible to get a loan in the amount of 700 thousand rubles at 12.8% per annum.

Creditcards

Line of credit cards have been popular for many years. This is an opportunity to make purchases on credit. At the same time, you need to contact the bank only once - at the conclusion of the contract. A truly advantageous offer attracts Metallinvestbank. Reviews show that credit cards with a grace period are becoming more and more popular. You can use the money for 55 days absolutely free. If the amount taken is not returned to the account in a timely manner, a commission of 1.5% of the debt amount is charged. The card is issued in accordance with the international payment system. This means that you can withdraw credit funds at any ATM around the world. You will have to pay an additional 2% for conversion.

Any adult citizen of the Russian Federation under the age of 65 can conclude an agreement with a bank. The maximum credit line is up to 1 million rubles. It is also possible to open a card in dollars or euros.

Auto loans

Own vehicle is no longer a luxury, but a necessity. You can get everywhere only if you have a car. But not everyone can afford to buy a good car. Metallinvestbank offers its services in Moscow. Reviews show that car loans are most in demand in the capital.

The financial institution offers to purchase both a new vehicle and a used one. The contract can be concluded for a period of 1 to 5 years. Early repayment of the debt is possible, but at the same timeyou will need to pay a commission equal to the use of credit funds for 12 months. You can get a maximum of 3 million rubles for the purchase of a car. The rate without insurance under the Casco program is 21.5% per annum. If the borrower is insured and "Casco" is issued, the rate is reduced to 16.5% per annum. The age of the borrower is from 20 to 60 years. Only an officially employed citizen of the Russian Federation can apply for a car loan.

Mortgage

Housing lending is becoming more and more popular every year. Young couples prefer to pay a commission to the bank rather than pay for renting real estate. Offers to issue "Metallinvestbank" mortgage without down payment. Reviews show that in order to conclude such a deal, it is necessary to have official employment, as well as enlist the support of loved ones. The more co-borrowers there are under the agreement, the higher the chances of a positive response to the issuance of funds by a financial institution. The rate on such a loan is 12.5% per annum. The maximum term is 25 years.

On more favorable terms, you can conclude a deal for the purchase of housing in the primary market (in a new building) when paying a fee of 30%. The minimum loan amount is 500 thousand rubles. The maximum client can purchase real estate worth 12 million rubles. The level of income of the client himself, as well as co-borrowers, is taken into account. An important condition is the total work experience of at least 1 year, in last place - 4 months. It is also important to register permanently forterritory of Russia.

Favorable deposit products

Metallinvestbank offers really attractive conditions for deposits. Feedback from employees shows that recently the number of clients has increased significantly due to the participation of the institution in the background of guaranteeing deposits of individuals. You can conclude an agreement both in domestic and foreign currencies. The most profitable, according to the reviews, is the “Profitable Year” product. Each client can make a deal for 12 months and get 8.3% per annum. The contract can only be concluded in rubles.

The product "Maximum Income" is popular. The contract rate is 7.7% in rubles, 1.5% in dollars and 0.4% in euros. Interest can be received monthly or at the end of the term. The “Managed” product can also be called profitable, which provides for the possibility of partial withdrawal of funds if necessary. The rate under the agreement is 7.0% per annum.

If you have a pension certificate, you can make a deposit "Pension income". The deal can be concluded only in rubles. The rate is 7.3% per annum. A huge advantage is the monthly interest capitalization.

Insurance

Metallinvestbank can be called truly universal. Feedback from employees shows that insurance services are popular among customers. Programs are offered that allow you to protect life, he alth, and property. The partner of the financial institution is Sogaz. The client independently decides on how much to insure himself. Program costvaries from 27 to 43 dollars. The advantage is that the treaty can be valid all over the world. The only exceptions are territories where hostilities take place.

In order to purchase an insurance policy, you need to contact the nearest Metallinvestbank office, select the program of interest and pay the fee through the cashier. The entire paperwork process takes no more than 30 minutes.

Programs for property insurance are also in demand. The cost of a policy depends on many factors. The minimum contribution is 1400 rubles per year. The insured has the opportunity to secure property from the following risks - fire, flood, theft, flood, domestic gas explosion.

Settlement and cash services for individual entrepreneurs

The financial institution offers interesting services for business owners as well as legal entities. Those who want to open a current account here will have to pay 2,000 rubles. The cost of maintenance is 1500 rubles per month. For interbank transfers, you will have to pay 1% of the transaction amount.

Despite the high tariffs, many entrepreneurs choose Metallinvestbank for cooperation. Revocation of the license of a financial institution is not yet provided. This means that you can trust the bank with your funds.

Many additional services are offered for business owners. So, for example, individual entrepreneurs can receive passive income from cooperation withbank. Business owners are offered special conditions for deposits. In rubles, you can store funds at 9% per annum. Placement period - from 31 to 540 days.

Business loans

Metalinvestbank offers a wide range of loan products, taking into account the characteristics of various business areas. Each individual entrepreneur can take money in dollars to increase the volume of working capital. The main requirements are citizenship of the Russian Federation, as well as the period of operation of the company or individual entrepreneur for at least 6 months.

Maximum owners of their own business can receive up to 150 million rubles. The decision on the loan amount is made individually in each case. The contract can be concluded for a period of 3 to 7 years. The rate is 15.25% per annum.

Opinions on the work of Metallinvestbank

Mortgage, reviews of which you can hear a variety of, today is the most popular product of a financial institution. Attracts customers the opportunity to complete a transaction without a down payment. Employees note that the bank finds an approach to almost every client. Rejections only come to customers with a negative credit history.

Deposit products are also in demand, according to reviews. They are attracted by favorable interest rates and the reliability of a financial institution.