2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Today, many banks offer cash loans. Each institution has its own programs with different conditions. The Ural Bank also offers cash loans. The conditions and methods of their registration can satisfy the needs of any borrower. Clients are offered several programs from which they can choose the appropriate ones. And you can learn about them from the article.
About the bank
The organization was founded in 1990, and in 2004-2005 a merger with Sverdlsotsbank was completed. In 2012, a development strategy was created. A rebranding was done based on the production of a new logo and positioning.
Ural Bank is considered a key financial institution in its region. It is present in the TOP-50 credit federal organizations. In our country, he is in the TOP-30. The main activity is the provision of services to private andto corporative clients. Deposits are being made, work is being done with securities and operations in the foreign exchange market.
Credits are the key activity of the Ural Bank. Each client can apply for the selected program. Each loan offer has its own conditions and requirements. The most profitable programs are for those who are savers or borrowers. But there are also special offers for new clients.
Features of available credit
This type of loan is considered non-targeted, the loan is issued at the Ural Bank remotely. To do this, you need to fill out a form on the official website. Its main advantage is consideration within 7 minutes. Conditions include:
- rate - 23-26, 6%;
- term - up to 7 years;
- amount - 50-600 thousand rubles;
- if the amount is more than 300 thousand rubles, a certificate of income is required.
Funds are transferred to a bank card, so cash can only be withdrawn from an ATM. Withdrawals are charged at 1% whichever self service device is used.
A Minute Business
This cash loan at the Ural Bank can be reduced at rates for customers who regularly pay their debts on time. The following conditions apply to this program:
- rate - from 13%;
- term - up to 7 years;
- amount - 5 - 200 thousand rubles;
- only need a passport.
Please note that this service is notprovided to residents of Moscow. How to get the smallest percentage? The bank reduces the rate if payments are made on time. For the first six months after the loan is issued, the rate will be 63% per annum. If during this period the client made payments without delay, then the indicator drops to 21%. If the next 6 months the borrower continues to fulfill obligations in good faith, then the rate is reduced to 13%. It will remain in effect until the end of the payment of the debt. But if there is 1 overdue payment, then the percentage increases again.
Open
Low rates are not available in all banks. The Ural Bank for Reconstruction and Development offers an "Open" loan, for which the percentage is reduced for conscientious clients. The following conditions apply to it:
- rate - from 15%;
- term - up to 7 years;
- amount - 50 thousand - 1 million rubles;
- need a passport and 2-personal income tax.
This program has the same rate setting system, it is high only at the beginning. Usually set to 29, 9, 31, 35%. Then after 6 months there is a decrease to 28%, and after another six months to 15 or 17%. Such conditions are not offered in every bank.
Pensionary
This cash loan at the Ural Bank is provided to non-working pensioners. They can take advantage of the following conditions:
- retirement age according to the laws of the Russian Federation;
- rate - from 21%;
- amount - up to 600 thousand rubles;
- term - up to 7 years;
- only a passport is needed.
The minimum interest on a loan in the Ural Bank (21%) is valid for card customers if funds are received on the account every month. In addition, then the maximum loan is 1 year. If the term is long, then the rate is increased by 1 unit. For customers without a card, 34.9% is valid.
For depositors
Many banks offer profitable programs for their regular customers. The Ural Bank for Reconstruction and Development provides loans to depositors who have personal funds on deposit. They are granted the following conditions:
- rate - from 17, 25%;
- term - 2-7 years;
- passport required;
- amount - 30 thousand-1 million rubles.
The rate is set by the bank for all customers, taking into account their ability to pay. Usually it is 17.25-19.9%. This offer is valid for depositors who closed the deposit no later than 1 year before receiving the loan.
For clients
Such cash loans in the Ural Bank are offered only to borrowers and depositors. The following conditions apply to them:
- rate - 21-26, 5%;
- term - 2-7 years;
- amount - 5 thousand - 1 million rubles;
- passport and card.
The interest is set for all borrowers individually, taking into account their income. The offer was created for customers who paid off the loan no more than 3 years ago or issued it no less than six months ago.
Payroll clients
This offer is only valid forbank payees. They can take advantage of the following conditions:
- amount - 20 thousand - 1 million rubles;
- term - 1-7 years;
- rate - 15-17%.
The minimum percentage is valid for employees of partner enterprises, their list can be found on the official website. And the rest are offered 17%. This indicator is valid if the account receives money every month, otherwise it will be 34.9%. Although under the conditions it is not necessary to provide a certificate, it will still be required to increase the loan amount.
Bail
Loans to individuals in the Ural Bank are also provided on the security of property. It can be real estate or transport. Clients are offered the following conditions:
- rate - from 18%;
- amount - from 250 thousand rubles;
- term - 12-120 months.
The rate is determined by the type of collateral: if real estate is provided, it will be 18%, and the term is 10 years. When applying for a vehicle, loans are issued at 20% and for up to 5 years. The maximum is determined by the assessed value of the collateral. Before applying, you should familiarize yourself with several offers. Only then will it be possible to choose the right program for yourself.
Requirements
The bank offers many different programs, but almost all of them have the same requirements:
- age – 21-65;
- registration in the region where the branch is located;
- recurring income;
- presence of a landline number of the employer.
Allloans are processed online. Funds are transferred to the card, you can get cash at any ATM. Loans are also available for entrepreneurs, they need to prepare a 3-personal income tax certificate.
Design options
How to get a cash loan at the Ural Bank? The most convenient way is to send a questionnaire through the site. You need to read and choose a loan offer. An application for a cash loan at the Ural Bank includes only elementary information:
- Full name
- Phone.
- Date of birth.
- Passport information.
- Address and email.
Preliminary decision to enter after 7 minutes. If it does not suit you, you can visit the bank office and fill out a questionnaire there. In this case, it is advisable to take a certificate of income. Indeed, for many customers, this leads to a decrease in the rate and an increase in the amount. It should be borne in mind that the minimum wage should be 6 thousand rubles.
Payout
Since the funds are provided by transfer to a card account, you can pay the debt in the same way. In advance, before the required date of making a payment, the bank notifies customers about the debt. Payment can be made in various ways, including ATM, terminal, card transfers, using Internet banking. You just need to transfer funds, and they will be debited by the bank on their own.
Credit customers can use the payment transfer. If the payment in the current period is complicated, then it will be possible to transfer the next payment. ForTo do this, you need to connect the service through Internet banking or an ATM.
But there are some restrictions. The client must not have a delay during the activation of the service, and the payment must not be final. The service is provided with a consumer loan, not a credit card.
Advantages and disadvantages
The bank has the following advantages:
- High chance of approval.
- Speed of decision making.
- Minimum documents required.
- Customers are offered special conditions.
- Good borrowers get reduced rates.
- Financial procedures are carried out without commission.
- Convenient SMS notification.
- Many loan programs.
The Bank offers products for different categories of citizens. And for all of them there are favorable conditions. But there are also a few disadvantages:
- Sometimes a guarantor and collateral are required.
- Must take out security deposit insurance.
- High interest rate on passport loans.
Thus, the Ural Bank provides favorable loan offers. Each borrower can choose the program that is perfect for him.
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