Expert Bank: reviews of employees and customers

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

Despite the economic crisis in the country and in the world as a whole, the financial sector is developing rapidly. Banks compete with each other, luring customers with favorable interest rates on loans and deposits. Attract financial institutions and a large selection of additional services. Recently, Expert Bank has become increasingly popular. Customer reviews are proof of this.

Basic information about the financial institution

The first steps towards the creation of a modern "Expert Bank" were made in 1994. Then a Limited Liability Partnership was registered under the name "Siberian Merchant Bank". Only 16 individuals, as well as the Omsk Regional Council of Trade Unions, took part in the formation of the authorized capital.

Initially, its core business was to support small businesses. Favorable loans were issued for private entrepreneurs. Interesting conditions for businessmen are offered today by Expert Bank. Reviews show that 60% of the services of this financial institution are connected precisely with the service of individual entrepreneurs.

From the very beginning, the bank has been actively working with domestic payment systems. It's interesting thatthis campaign was one of the first to introduce plastic cards.

In 2001 the bank was transformed into a Closed Joint Stock Company. Then the authorized capital already exceeded 1 billion rubles. Since December 2004, the company has been a member of the Deposit Guarantee Fund.

Consumer lending

Reviews show that consumer loans remain the most popular among individuals. Any employees of economic structures, including financial experts of Post Bank, will be able to confirm this. Feedback on the conditions offered by the described institution can be heard mostly positive.

Citizens of the Russian Federation aged 21 to 65 can act as borrowers. The main condition is official employment in one place for at least 6 months. You will have to confirm the information with a certificate of income.

The minimum loan amount is 100 thousand rubles. The rate is 18% per annum. You can also use our handy loan calculator. "Expert Bank" (we bring to your attention customer reviews about it) makes it possible to find out the amount of the expected minimum payment even before the conclusion of the transaction. The maximum loan term is 60 months.

On more favorable terms, military personnel can borrow money. Mandatory is the length of service at the last place of service - 4 months. The loan rate is 16% per annum.

Car loan

It is almost impossible to solve all the assigned tasks quickly without your own transport. itmanagers of "Expert Bank" perfectly understand. Customer reviews show that the financial institution offers favorable loan terms for purchasing a car. The amount of the transaction can start from 100 thousand rubles. In this case, the registration of Casco is not required. You can buy both a new vehicle and a used car. The rate under the agreement is 14% per annum. The maximum term is 60 months. Early repayment of the loan without pen alty is possible.

Any citizen of the Russian Federation who has reached the age of 21 can become a bank client. It is important that at the time of termination of the contract the client is not older than 65 years. That is, if a person aged 63 wants to purchase a vehicle on credit, the contract can be concluded only for 2 years. To conclude a transaction, you must provide:

• passport of a citizen of the Russian Federation;
• SNILS number;
• certificate of income for the last 6 months.

Housing on credit

Today not every young family can afford to buy an apartment. It will be more profitable to buy square meters at the construction stage. However, in this case, the collected funds may not be enough. This is where Expert Bank can come to the rescue.

Employee reviews show that housing lending is in great demand today. And the plus is that there is no limit on the maximum amount. The financial institution studies the client's application, assesses its solvency and makes a decision to conclude a transaction. The maximum loan term is 30 years.

Conditionspurchases of housing in the primary and secondary markets are different. In the first case, the commission cannot be less than 10.25% per annum. When buying a habitable apartment, you will have to overpay 9.25% per year.

One contract can attract up to three co-borrowers. Their income will be taken into account when applying for a mortgage. It is important that the age of the participants in the transaction at the time of termination of the contract does not exceed 65 years.

Favorable mortgage conditions are offered for military personnel. Clients aged 25 to 45 can make a deal. The rate is 9% per annum. The maximum loan term is 25 years. In this way, you can buy an apartment, both in a new building and on the secondary market.

Deposits for individuals

And what conditions on deposits does Expert Bank offer? Feedback from employees shows that the number of clients who apply to this institution to conclude deposit agreements is growing daily. This is due to the fact that the company is a member of the Deposit Guarantee Fund. Customers can be sure that their money will be returned in full.

The deposit called "Optimal" remains the most popular. The program helps to reliably protect funds from inflation. The advantage is that the interest on the deposit can be withdrawn monthly. The contract is concluded in rubles. The rate is 8.25% per annum. When concluding a transaction without monthly withdrawal of earned interest, the rate is 8.5% per annum. The minimum deposit term is 2 months, the maximum one is a year. If the client does not come for moneyafter the end of the transaction, the money goes to the account "on demand" with the accrual of 1% per annum.

Debit card

A plastic card is a convenient key to finances that are under reliable protection in a bank. You can open an account absolutely free of charge in any branch. Debit cards "Expert Bank" (customer reviews - confirmation of this) are popular. Having issued such a product, everyone gets the opportunity to profitably change the currency at the bank's rate, pay bills in real time, and also receive passive income. A commission of 8% per annum is charged on finances that are stored in the bank.

The debit card is especially beneficial for those who travel abroad. Overpayment when converting currencies does not exceed 2%. The client replenishes the card with rubles and can pay in shops, hotels and restaurants around the world. You can order a card in real time by submitting an application on the official website of the bank.

Services for business owners

Favorable terms of cooperation are offered for individual entrepreneurs by Expert Bank. Reviews in Moscow about the work of a financial institution can be heard mostly positive. The most demanded service is related to the opening and maintenance of a current account. Attracts customers the absence of hidden fees. Account registration is free of charge. There is also no monthly fee. You don't have to pay money for payment orders. Moreover, the bank itself pays the client 5% per annum on the balance of the amounton the current account. The issuance of funds within 700 thousand rubles is carried out without commission.

Each individual entrepreneur gets the opportunity to remotely make accounting calculations and manage their finances. For this, special software with several levels of security is provided. Money is under reliable protection.

Business loans

You can quickly increase sales by increasing the amount of working capital. Favorable lending conditions are offered by Expert Bank for individual entrepreneurs. There is an opportunity to receive up to 50 million rubles for the development of your business. Loan rate 0 60 months. The rate under such an agreement is 16% per annum. There are no hidden fees.

Any citizen of the Russian Federation between the ages of 21 and 65 can make a deal. The period of employment should not be less than 6 months. To apply for an amount exceeding 100 thousand rubles, proof of income will be required.

Deposits for business

Expert Bank offers individual entrepreneurs to save their savings profitably. A debit card, reviews of which are mostly positive, is a convenient tool with which you can withdraw accumulated funds, as well as interest on deposits. Many entrepreneurs have already transferred their accounts to Expert Bank due to more favorable conditions.

What does the financial institution offer? Firstturn, this is a short-term placement of funds. You can make a deposit agreement for only a month. You can replenish your account by bank transfer. Warehouse rate - from 8% per annum in national currency.

Reviews on the work of a financial institution

The advantage is that economic transactions (transfer of funds, signing an agreement, etc.) are carried out in the shortest possible time. Only Post Bank's financial experts work so quickly. Feedback from employees shows that due to the well-coordinated work in the departments, there are practically no queues.

"Expert Bank" attracts customers with a wide range of profitable services. Good reviews about the work of the institution can be heard from both private clients and business owners.