Russian mortgage bank: feedback from employees and customers

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

With the advent of the economic crisis in the Russian market, only the most persistent financial institutions remained operating, which managed to choose the right tactics for providing services. One of them was the Russian Mortgage Bank. Reviews show that the number of clients of the financial institution is growing every year, and the management comes up with new attractive products.

Basic information

Financial institution began operations in 1992. For more than 20 years, the bank's management has achieved tremendous success. In March 2005, the organization became a member of the compulsory deposit insurance system for individuals, after which the number of clients began to grow rapidly. The National Rating Agency has assigned the bank an 'A-' category, which means an insignificant level of credit risk.

Since 2009, mortgage lending has become the main activity of the company. Thanks to the work of the bank, many young families were able to acquire their own housing on loyal terms. In addition, the financial institutionoffers profitable deposits, credit cards and many other services that make life easier for a modern person. Who can cooperate with Russian Mortgage Bank? Reviews show that the institution works with both individuals and organizations.

Mortgage

It is no coincidence that housing lending was chosen as the main activity. Not every Russian can save up for his own house or apartment today. Meanwhile, by overpaying a little, it will be possible to purchase housing after concluding an agreement with the bank. What does Russian Mortgage Bank offer? Reviews show that everyone can buy property both in a new building and on the secondary market. The positive thing is that the interest rate is fixed for the entire period of lending and is 15% of the amount of debt. The maximum contract term is 30 years.

After the conclusion of the contract, the client can immediately move into the purchased housing, register his relatives in it. This is a great alternative to savings. By purchasing housing here and now, you can protect your savings from inflation. There is no need to be afraid that it will not be possible to repay the loan in the future. In the event of force majeure, you can arrange a credit holiday.

Consumer lending

Consumer lending remains popular. Many interesting programs are offered by the Russian Mortgage Bank. Employee reviews show that credit cards remain the most popular. You can make a productabsolutely free at any branch of a financial institution. This may be a card related to the international system "Visa" or "MasterCard". Using the product, you can withdraw cash from a credit account, make purchases on the Internet or in stationary stores around the world. The maximum amount of the credit line is 300 thousand rubles.

The Pledge program is also popular, according to which everyone can receive a certain amount of cash in rubles to improve their living conditions. The rate is fixed for the entire loan term and is 11.5%. The maximum amount is up to 60% of the value of the pledged property.

Summary cards

Proposes to issue a Russian Mortgage Bank debit card. Reviews show that this product is very convenient to use. In addition to the fact that there is no need to keep large amounts of cash in your wallet, you also manage to protect your savings from inflation. The bank pays 1.5% per annum on the amount of the positive balance on the card. In addition, it is possible to get a discount when paying with a card in organizations that are a partner of a financial institution. These are numerous beauty salons, restaurants, grocery stores, etc.

Unfortunately, not all cities can issue a Russian Mortgage Bank savings card. Reviews show that the service is most in demand in Moscow and St. Petersburg. You can also make a deal in Ufa,Yekaterinburg, Barnaul, Vladimir, other metropolitan areas and cities of regional significance.

Contributions

What else does Russian Mortgage Bank offer? Contributions! Reviews show that a deposit agreement can be concluded here on favorable terms. The online bonus program is very popular. The contract can be concluded in rubles at 8.2% per annum, in dollars and euros at 1.6% per annum. The minimum deposit amount in national currency is 30 thousand rubles. The advantage is that you can replenish your account at any time without restrictions. In case of early termination of the transaction, the earned interest is not paid.

Russian Mortgage Bank offers many more profitable programs. According to the feedback from investors, it can be seen that the product "Convenient Management" is popular. The bottom line is that the client is given a plastic card - the key to the deposit account. It is possible to withdraw money without restrictions up to a minimum balance. You can also replenish the deposit without restrictions. The rate under the agreement is 7.5% per annum. Transactions can be concluded directly at the branch of a financial institution.

Any deposit agreement can be executed with a passport and an identification code.

Rent of safe deposit boxes

Keeping especially important documents or jewelry at home is not always safe. The Russian Mortgage Bank offers to use a safe deposit box. Reviews show that for a small fee you can be sure of the safety of your things. The rental price depends on the sizecell and the period for which the contract will be concluded. So, when renting a minimum cell for one month, you will have to pay 45 rubles a day. When concluding a contract for a year, the cost of the service is almost halved.

The largest cell has dimensions of 59x59x47 cm. When renting for a minimum period, you will have to pay 80 rubles per day. When concluding an agreement, a personal manager is assigned to each client who can help and answer any questions.

Settlement and cash services

A huge range of services is offered by the Russian Mortgage Bank for legal entities and private entrepreneurs. Here you can open a current account and manage finances on favorable terms. Initially, the client needs to pay 750 rubles. This cost includes opening an account, installation of the "Bank-Client" system. If the company chooses to terminate cooperation with the bank, it will be possible to close the account absolutely free of charge.

When concluding an agreement, a personal manager is attached to a legal entity or a private entrepreneur. All financial transactions can be carried out online thanks to the "Bank-Client" system.

Reviews on the work of a financial institution

Russian Mortgage Bank is an organization that has been working in the field of lending for over 20 years. Therefore, reviews about it can be heard both positive and negative. For the most part, they say good things about the institution. But there is also a negative associated with the inexperience of some employees.

Pleased with a wide range of creditservices. The bank offers to purchase housing on favorable terms. Almost every citizen of the Russian Federation with an official income can make a deal.

A lot of good reviews can be heard about deposits from the Russian Mortgage Bank. A deposit is an opportunity to keep your savings and receive, albeit a small, additional income.