VTB24 Bank is attractive in terms of the provision of credit products compared to Sberbank of Russia - rather low interest rates, lack of collateral, the ability to receive large amounts, a flexible approach to existing customers of the bank.
Loans for individuals are presented in VTB24 in several areas:
- Targeted educational loans.
- Cash loans for any needs.
- Refinancing loans.
- Loans to business owners for personal purposes.
Lending terms
Each lending program has its own specifics, and the bank offers special conditions for entrepreneurs, participants in VTB24 salary projects or employees of a partner company. Consider five VTB24 loan products, relevant at the time of writing - the beginning of 2015.
- Product "VTB24 - Skolkovo". Funds can be spent on tuition for MBA and EMBA programs at the Skolkovo business school. The loan amount from 750 thousand to 3.6 million rubles at 10-14% per annum.
- "Refinancing". It implies the intended use. You can take on repayment of existing loans at other banks and reduce the amount of monthly payments due to savings, having received in VTB24 up to 750 thousand rubles at 15% per annum.
- “Cash loan”. Amount up to 3 million rubles, up to 7 years.
- "Corporate Program". Amount up to 3 million rubles in cash for 7 years at 17% per annum for VTB24 Bank's salary and corporate clients. Existing customers with a passport can instantly receive up to 2 million rubles without additional information and collateral.
- Credit Kommersant and package offers Kommersant Light, Kommersant Optima and Kommersant Asset. Designed to address personal financial issues of small business owners and individual entrepreneurs. The amount of up to 3 million rubles at 18.5-22.5% per annum.
Borrower Requirements
In order for VTB 24 Bank to be accepted as a customer-borrower, it is necessary to comply with a specific set of requirements, which include:
- Age qualification. Installed according to gender. Men from 25 to 65 years old and women 21-65 years old. For some loan products, their limitations - VTB24 - Skolkovo can be issued only at the age of 25 to 50 years.
- Registration in the region of VTB24 branch. It is advisable to have a permanent registration in the city of applying for a loan.
- Official employment. The total length of service must exceed 1 year, at the last place of work - at least 3 months. Confirmed regular income is required.
To take a consumer loan VTB24 can do with one passport. Lucky only customers of the bank. Other potential borrowers have a longer list of documents. In addition to the passport, you will need proof of official employment (a certified copy of the work book), official income level (income statement in the form of a bank or 2-NDFL for the last 3 months), military ID (for men under 27).
A positive credit history and a good reputation of the borrower will increase the chances of approval of the application at VTB24.
The procedure for obtaining a loan at VTB 24
Approximately representing the probability of obtaining a consumer loan at VTB24 and having studied all the requirements, you should fill out an application. The application form is submitted directly to any branch of the bank or via the Internet on the official website.
The response to the application will be reported by the VTB24 employee by the borrower's phone in 1-2 days.If the decision is positive, you must visit the bank in person and bring documents to verify the data in the questionnaire. During the day, the bank will inform the final decision on the loan.
Credit specialist draws up a loan agreement, after signing which the borrower will receive the requested amount if he has fulfilled all the conditions - surety, payment of the down payment, insurance or pledging.
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