Когда возникает потребность в недвижимости, not always the right amount to buy it. In addition, not all borrowers are willing to spend time looking for banks and reviewing loan programs. Everything depends on desire and time. But there is an organization that can solve all these problems for you. It is the first Russian Internet bank "Tinkoff". Mortgage, reviews and features of its design in this company have become one of the most popular requests today. Therefore, we decided to analyze the existing feedback and understand the benefits of the proposals from this bank. What are the peculiarities of such treatment? How much can you expect? And how does the procedure differ from other credit institutions?
«Тинькофф» - один из самых необычных банков в Russia, specializing in customer service through the Internet. Initially it was called "Himmashbank" and was established in 1994. 11 years later was bought by a well-known businessman Oleg Tinkov, who managed not only to change the name of the financial institution radically, but also to revise the very principle of his work.
Since its appearance in the financial market of the Russian Federation"Tinkoff" (mortgage - a service that appeared here recently) completely abandoned the generally accepted standards of work. His task was to maximize the light version of the service with minimal effort. For example, all services provided by this loan guarantor were performed remotely. And the only office of the company was a real branch of the bank, located at: Moscow, 1-st Volokolamsky travel, 10, building 1.
По мере своего продвижения на отечественном рынке credit services, the bank created and offered various products. One of the most famous among them was credit cards, issued in online mode. They are still a kind of business card for the company. Not stopping at what has been achieved, the representatives of the guarantor periodically introduce new services and services. So, from the recent moment in their financial menu there were tempting deposit programs providing for fast debit card issuance.
Even later, the bank began offering servicesprofessional credit broker. This time in the portfolio of banking products there were housing loans, which became the new flagship of the company "Tinkoff". Mortgage, the terms of which were selected individually, very quickly won the hearts of new and old customers of the guarantor.
В отличие от других финансовых организаций, сам the bank does not issue housing loans. In this case, he acts as a credit intermediary and offers mortgage products of his partners. His duties include accepting online applications from clients wishing to obtain a housing loan, as well as their full-fledged advice on lending issues. Then he collects the necessary package of documents from potential borrowers and submits return requests-requests to other partner banks. After that, the loaned person can familiarize himself with possible options and select the appropriate mortgage program. That's exactly what Tinkoff (the bank) is working on. Mortgage is not formalized here, but professional assistance is provided in its selection and design.
Making mortgage loans is veryscrupulous and serious business. Therefore, it is so important to choose not only a bank, but also a credit expert, who will help with word and deed. In response to your appeal, "Tinkoff" -bank (a mortgage in this organization will help solve existing housing problems) will offer you a number of privileges. For example, if you have the relevant documents, you can get a loan of up to 100 million rubles.
In addition, you are not just waiting for a one-timefree consultation, and long-term communication with a personal manager. It is he who can dispel doubts and misconceptions about bank loans, calculate the amount of overpayment and draw up an approximate credit schedule.
In addition, the mortgage in the "Tinkoff" -bank (reviews aboutthe service provided can be found below) assumes a down payment of 15%. In addition, if you take a housing loan through the establishment of "Tinkoff", you can save a whole percentage of the bank rate. And it is much more profitable than to contact the lender directly. For comparison: with loans in the domestic currency, the rate starts from 10.5%.
Finally, an appeal to this financialThe organization will help increase the chances of approving the loan. This is due to the fact that the client's application is sent to several banks at once. That will significantly shorten the time for searches and narrow the circle of potential creditors.
Despite the fact that the bank offers brokerageservices recently, they have already been used by many people. For example, real laudatory ode to the financial institution can be heard from the people of Petrozavodsk. Some of them are inspired by the qualified service and courtesy of the employees of Tinkoff Bank, who consult and answer questions without any problems by phone.
Other users who are interested in mortgages"Tinkoff" (reviews about the program can be heard from people with different levels of income), I liked the simplicity of the procedure. According to them, they only sent the application, and the company's employees did everything else for them: they also agreed with the bank, with insurance and appraisal companies. In a word, "ol inclusive", or all inclusive.
The third liked the simplicity of payments.As they say, monthly payments without problems can be transferred through terminals in Euroset, as well as in Svyaznoy. Fourth is satisfied with the fact that the intermediary services of the bank are absolutely free for their clients.
As you can see, many people are happy to ask questions to those who took a mortgage in the "Tinkoff" -bank. Reviews of these experienced borrowers help to assess the possible risks and get a lot of useful advice for yourself.
To receive the bank service, you must send the application. It should include the following information:
A few minutes after sendinga corresponding representative of the application with a potential borrower is contacted by the representative of the bank. During a telephone conversation, he answers questions and asks about the amount of the loan and other nuances. The manager of the guarantor also informs the client about the package of documents that he will need. So the mortgage works in the "Tinkoff" -bank. Reviews about the company's service allow you to learn more about the service.
According to the employees of the bank "Tinkoff", to obtain the long-awaited housing loan must provide the following documents:
Suppose you applied to the bank"Tinkoff" (mortgage, feedback on the service - all this is often of interest to potential borrowers). But how can you transfer the above package of documents if all services are performed online?
According to the rules of the bank, for the forwarding of documentsit is enough to perform their scanning or take a picture. Only such visual copies should be made with high resolution, contain clear inscriptions and figures. Otherwise, you will have to repeat the entire forwarding process.
Alternatively, you can scan documents andprint them out. However, in this case, each of them will have to sign and send the date. After that, the printed scans can be sent by fax: +7 (495) 645-59-09. Or there is the possibility of sending them by post.
If you applied to Tinkoff, the mortgage in this case is only partially processed in the remote mode. You still have to come to the office. But only for the final signing of the loan agreement.
At the moment, the following credit institutions cooperate with the bank:
As practice has shown, the bank "Tinkoff"(mortgage, reviews and terms of its provision cause a lot of questions among potential borrowers) people from different regions of Russia address. For example, among the user reviews you can meet residents of Moscow and the region, Rostov, Sochi, Novocherkassk, Kirov, Vladivostok, Petrozavodsk, St. Petersburg and other cities of Russia.
Among these reviews, there are both positive andnegative. For example, some of the borrowers that repaid loans write that with the help of the bank "Tinkoff" they managed to issue a mortgage at 10.45% per annum. Moreover, everywhere they were denied and demanded additional guarantees in the form of a second co-borrower.
Others talk about the speed of decision-makingon the loan. According to them, they were very helped by the bank "Tinkoff". Mortgage (reviews about it recreate the real picture of the clearance procedure) with the assistance of the company's managers was approved in just 25-30 minutes. Still others are grateful for professional advice and assistance in finding a lending institution for specific employees of Tinkoff. They mention their names and surnames, as well as compliments complimenting them.
And of course, there are some who have remaineddissatisfied with the quality of service. According to them, the system for filing scanned documents is not perfect. It crashes and does not allow you to complete the shipment. They claim that because of problems with their private office, their scans were hanging in a "suspended state" for three weeks. As a result, representatives of the bank "Tinkoff" they were removed and asked to send again. Customers lost time and had to personally go to the banks in search of a suitable lender. However, such comments are rather an exception than a regular violation of the system.
