Many people in different periods of their livesin need of cash. And of course, everyone is looking for the lowest interest on consumer loans. Sometimes the problem can be solved with the help of friends, relatives, acquaintances or some other way. However, there are situations when it is easier and quicker to apply to the bank and take a consumer loan. Yes, in banks often the interest rate is higher than if borrowed from acquaintances (provided that acquaintances generally take any interest). However, the required amount is often higher than can be afforded by close people. Because in the end, all the same, many go to the bank.
This type of lending is in demand by the populationfor the simple reason that the funds received can be spent for any purpose, without thinking about it. That is, if some kind of large purchase is planned, a commodity loan is taken on it, then, other than how to purchase it, there are no other options. If you take a consumer loan in a bank, you can spend it on anything. Initially we wanted to get a powerful computer, but the plans changed - please spend money where you need it right now. Thus, the design of such a loan does not bind hands and allows you to dispose of the funds at the discretion of the client. In addition, there is a special service that allows you to optimally calculate all payments even before the customer received a consumer loan. The calculator used for this can always be found on the website of any financial institution engaged in lending. With its help, the borrower gets an opportunity to imagine in the long term all the necessary payments and choose the most optimal way to pay off future debts. Thanks to such functions, the client can understand before the loan is received, whether he is able to pay all the necessary amounts in time, return the loan and so on, or even try, since the further overpayment will exceed all reasonable limits.
As already described above, the main advantagethis type of loans is complete freedom in the disposal of the money received. In addition, the registration of such loans often requires fewer documents, takes a minimum amount of time and does not require the conclusion of various contracts in notary offices. If you take a consumer loan in VTB Bank, all these advantages can be felt instantly. It should be borne in mind that not all financial institutions describe all the positive aspects described and should be chosen very carefully, after all, it will still be necessary to return the money, and it will be more pleasant and quick than long, and even with problems.
The negative side of the consumerlending is a relatively small maximum amount that can be obtained, and a high interest rate that compensates for the potential risks of the bank when issuing such loans. Fortunately, VTB's consumer loan is free of these drawbacks. Credit products of this financial institution are characterized by extremely favorable conditions for clients, and the lost profit from reduced interest rates can easily be compensated by a large influx of customers.
The consumer loan in this bank is dividedinto three types, depending on the required conditions. This is done specifically for the convenience and benefit of a potential borrower, as different people require different services, and it is almost impossible to implement them all in one product. Combines all types of lending in VTB Bank one key point - interest rates here are very low. Consumer loans, issued here, do not hit your pocket and will allow you to pay off exactly and on time. This moment is important for any potential borrower, as some financial institutions may offer the same low interest rate, but other conditions will not be as profitable. For example, the crediting period may be less than the client needs, or vice versa - more, which is also not profitable, as there are also fees for premature debt repayment. In general, when choosing a loan product, attention should be paid not only to interest, but also to other conditions that may completely negate all the advantages.
As the name suggests, this loanis issued as quickly as possible, even compared to other types of such loans. At the same time, it is distinguished by the proposed lowest interest rate on consumer loans. The amount that can be obtained can not exceed one and a half million rubles, and if the client previously accurately and in time repaid all debts, there will also be a 1% discount to the interest rate. In addition, the borrower does not require collateral, personal insurance, and when issuing no standard fees for banks and commissions are charged. The term for which you can take a consumer loan, can vary from 6 to 36 months, with an interest rate of only 20%. To register a loan, you need to confirm the income of a potential borrower with the help of a certificate of income, drawn up in the form of a bank.
The maximum loan amount remains the same -1500000 rubles, and there is also a discount to bona fide borrowers, but now the loan period can reach 60 months, which is not typical for such types of loans. And just like in the previous version, a customer who takes a consumer loan from VTB Bank does not need a deposit, insurance, and he does not have to pay any commission when issuing. To register a loan, you need to confirm the income of a potential borrower with a help drawn up in the form of a bank.
It differs from the two previous products in thatcombines their positive qualities, combined into one single consumer loan. The calculator for calculating payments, overpayments and other operations will help you to make sure that this product is unquestionably profitable. Due to this type of lending, you can take a small amount (starting from 100 000 rubles) for a long period (up to 60 months). Consumer loans, the rates for which are known precisely - the best. To register a loan, you need to confirm the income of a potential borrower with the help of a 2-NDFL certificate compiled in the form of a bank.
To obtain these types of loans froma potential client is required to be a citizen of the Russian Federation from 21 to 65 years of age, have a permanent or temporary registration in any region where VTB Bank branches operate, have a permanent job (and the opportunity to confirm this fact), while the total length of service can not be less than one year . In addition to the above, a positive credit history is also required. On the one hand, it may seem that the requirements are very strict, but it is not so. In most banks, the conditions are worse, and the requirements are even worse, given that it is necessary to take into account the moment that the bank risks its own funds, giving them on loan without bail, pledge and any other guarantees of return. And because he needs at least somehow to be able to identify the potential client's opportunity to repay the loan in the future.
The lowest interest rate on consumer loans- a very important element, especially if it is taken for a long time. Therefore it is extremely important to choose exactly the bank in which this item will be directly beneficial to the client. It should also be remembered that VTB Bank offers the issuance of credit funds both directly to the borrower's hands, and by transfer to the card. This is very convenient, because it allows you to choose the type of receipt of money depending on the situation that has developed. It will be convenient for one person to transfer funds to the card and constantly use it, while the other knows that there where there are no (or few) points of credit card service, and therefore prefer to receive cash. It can be concluded that the most beneficial interest in VTB Bank is on consumer credit. Bets on him are really very low, but other types of lending also deserve attention.
