Cash loans from Pochta Bank: lending conditions. Post Bank - consumer loan

Not long ago, a new bank appeared on the Russian financial market. In less than two years, he gained unprecedented popularity. This is due not only to the fact that Post Bank was created by a large financial group, but also to the fact that the list of credit programs here is very wide. However, before using the services of a company, you should carefully study all its features.

Advantages of loans from Post Bank

Before applying for a loan from Post Bank, it is important to carefully study its advantages compared to other organizations. This will help you be sure that the choice is made correctly.

Experts note that a loan from Pochta Bank has a number of advantages. The main ones are:

1. Some of the most favorable loan conditions. Low rates, as well as a wide range of programs attract a large number of clients.
2. The bank has the opportunity to borrow money from various categories of citizens, including pensioners.
3. To save time, use online application for credit.
4. High level of reliability.
5. Customer focus. The bank offers not only high quality services, but also a high-quality website, application for Android and IOS. This allows you to manage your finances more quickly.
6. If a client, when deciding how to apply for a loan at Pochta Bank, chooses to visit the office, he will be pleasantly surprised. The organization has a wide network of branches and offices. This is due to the fact that a huge company, Russian Post, took part in the creation of the bank.

Terms of consumer loans at Pochta Bank

Loan programs at Pochta Bank are extremely diverse. Thanks to this, anyone can choose a suitable option here. It is important to rely on the following factors:

• the purpose for which it is planned to borrow funds;
• required amount;
• characteristics of the borrower himself.

Below we consider in more detail the current lending conditions at Pochta Bank.

Consumer loan in cash

The “Consumer Cash Loan” program involves obtaining a loan upon presentation of only two documents – a passport and a SNILS certificate. You can borrow up to one million rubles under such conditions. The funds will have to be repaid within 12 to 60 months. Wherein interest rate starts from 12.9% per annum. When submitting an application online, a preliminary decision will be known within a minute.

Program for refinancing loans from other banks

For those who want to reduce the rate on a loan received a long time ago or combine several loans into one, Post Bank offers a profitable refinancing program. The interest rate starts at 14.9% per annum. You can combine up to four loans; if necessary, you can receive part of the funds as cash loan. The maximum amount under the program can reach one million rubles.

It is possible to get a preferential loan from Post Bank without certificates or guarantors. Its funds are issued for the purpose of developing a Far Eastern hectare. In this case, the rate is set at a minimum level - 8.5 or 10.5 percent per year. A decision on an application submitted online is made within five minutes. In the next step, it is not necessary to visit the bank office. You can immediately contact a partner store and buy everything you need with the money you receive.

Education loan (education, university studies)

Today, getting into a good higher education institution can be difficult. However, you can get money on credit from Post Bank to pay for education. A specially developed program has a number of advantages. The loan is issued in installments depending on how much is missing in a particular semester. During your studies, you can pay only interest, which will be accrued only on the amount of the current debt at a rate of 14.9% per annum. Another interesting feature program is the opportunity to receive money from the age of 18; a student aged 14 years or older can be involved as a co-borrower.

Corporate clients can count on consumer loans from Pochta Bank with the most favorable conditions. The rate for this program starts at 12.9% per annum. The maximum loan size is one million rubles.

Preferential pension loan

Particularly popular at Pochta Bank loan for pensioner. You can receive up to two hundred thousand rubles at a rate of 14.9% per annum. The debt will have to be repaid within three years.

Trade credit

Another important program is commodity loans. They allow you to purchase necessary goods and services worth up to three hundred thousand rubles within half an hour. Now representatives of Post Bank will help you get goods on credit in almost all major retail chains in Russia.

Necessary documents and requirements for borrowers

An important feature of Pochta Bank, which attracts a huge number of clients, is the minimum package of documents. It must include a passport and SNILS certificate. Men of military age will also need a military ID, and pensioners will need an appropriate ID or certificate. Other documents depend on the loan program. It is best to familiarize yourself with the list of required certificates on its website in the category corresponding to the selected program before receiving a loan from Pochta Bank.

The basic requirements for bank borrowers are traditional:

• age from 21 to 80 years;
• citizenship of the Russian Federation;
• having a permanent residence permit;
• clean credit history;
• no outstanding debts.

Is it worth getting a loan from Post Bank?

When deciding whether or not to take a loan from Post Bank, the borrower must weigh the pros and cons. It is important not only to carefully study the programs, requirements for borrowers, list necessary documents, but also to evaluate your own financial capabilities. It is important that monthly payments do not exceed thirty percent of the amount of income.

In addition, it would be useful to study reviews about the bank on the Internet. There are a huge number of them, and they are very contradictory. Unfortunately, many negative opinions are associated only with low financial literacy population. Many borrowers do not read the agreement carefully, and subsequently blame the bank for their own carelessness. The most important thing when studying reviews is to treat them with healthy skepticism and maximum criticism.

Thus, everyone who decides to get a loan via the Internet or in a bank office must independently make a choice in favor of one lender or another. One thing can be said for sure - Post Bank today stands out favorably in the Russian lending market. It offers a large number of interesting programs, including a pension loan and a loan to pay for education. Everyone will find here the program that suits them.

Post Bank is a bank that, although young, is promisingly developing various lending programs. VTB Bank's many years of positive experience and the space provided by Russian Post gives the bank the opportunity to be close to people in every sense.

Poll: How much do you usually take out a loan for? (Number of votes: 27)

Up to 10,000 rubles

Up to 50,000 rubles

Up to 100,000 rubles

Up to 500,000 rubles

Up to 1,000,000 rubles

Over a million

To vote, click on the right option answer. results

Types of loans from Post Bank

Money may be needed unexpectedly and urgently, and the needs of the modern population of the country are completely different from each other. Someone needs a car, someone has their eye on it new technology or dreams of a new item from an online store, but someone doesn’t have enough to pay for their child’s education at a university. For everyone, Post Bank is ready to issue cash on credit so that their dreams and goals come true.

For urgent purchases or any other purposes, there is a cash loan, which can be issued in no more than seven days, taking into account the wait for a decision from the bank. The loan is provided on attractive and competitive terms. Even though the interest rate is determined separately for each case, even its upper limit is at a low level, which allows the bank to successfully compete with other market participants.

For education, the bank offers a loan on special, loyal terms with an increased loan amount, a reduced rate and an extended loan term. Another important condition of this tariff is the deferment of the beginning of repayment of the principal debt until the end of training.

On a note. An educational loan is not issued in person, but is transferred in installments to the university according to the provided tuition invoice.

If a person once took out a loan from another credit institution on unfavorable terms, Post Bank is ready to help and refinance old loans. Then you can close all previous debts by taking out a new cash loan with more favorable parameters, reducing monthly repayment costs.

Important. The period that has passed since the start of processing a loan suitable for refinancing must be at least 12 months.

For the purchase of specific goods, Pochta Bank also has a special loan, which involves paying for them in the store. To get it quickly you need:

1. Select the desired product;
2. Approach the employee and inform them of your intention;
3. Read the terms and conditions and fill out an application;
4. Wait until the registration process is completed, which usually takes no more than half an hour.

How to get a loan

The ability to apply for a loan online is becoming increasingly popular among clients. There is such an opportunity on the bank’s website on the Internet. It’s easy to find the button with an online application; just go to the bank’s website. The application involves filling out a short form with the personal data of the potential borrower. The questionnaire is analyzed after sending to the bank and almost immediately the client receives approval or refusal.

Required documents:

• Russian passport;
• SNILS;
• information about the employer's tax identification number.

Important. To apply online, you will need the same documents as for in person.

Requirements for a loan applicant:

• Russian citizenship;
• majority;
• permanent registration;
• Full time job.

The documents and requirements for those wishing to apply for a loan are quite reasonable, their volume is small, so obtaining a loan will not require any work. A preliminary refusal from the bank does not mean that the client cannot take out a loan; it may be necessary to reduce the requested amount or increase the loan term to make the monthly payment more affordable.

In general, a preliminary decision is preliminary because you still need to contact the bank in order to achieve final result. Only at the bank, after talking with a specialist, can you finally decide on the lending program, get answers to all your questions and, if everything is satisfactory, move from the online application to the personal one. The bank's final decision will come in no more than one day.

Applying for a loan

After receiving approval, which usually comes to the phone in the form of SMS, a bank employee can also call to discuss the conditions and date and time of signing the agreement, and you can go to the bank to get money. Registration does not take much time; signing documents and carrying out all necessary operations by a specialist lasts a matter of minutes.

Approval from the bank is valid for a week, so you have time to think again and weigh the terms of the loan, and perhaps consult with your loved ones. If the loan is not processed within a week, you will have to submit another application and again wait for a response from the bank.

Important. For each client the bank can set special conditions provision of a loan, the interest rate may differ, there may be additional conditions. The employee will inform you about all this before signing the contract.

After signing all the necessary documents borrowed funds credited to the client’s account, they can be withdrawn at the nearest ATM, which is usually located right at the service point. You don’t have to withdraw cash, but pay with the card you received in the store if you need money to purchase any goods. Cashing out at the bank's own ATM occurs without commission, and paying in a store also does not create any fees for using funds.

Advantages of lending at Pochta Bank

The number of Post Bank branches is steadily growing, soon they will appear at every post office, so you don’t have to look for an office around the city, usually you can find it within walking distance. And if this is a small village where there have never been banks, but there was and is a post office, then it means that the services of Post Bank are already available or will soon become so for local residents.

Post Bank loans have several useful services for unforeseen occasions:

• I change the payment date;
• I reduce the payment;
• I'm missing a payment.

The name of the services reflects their essence; with their use, you can skip a payment or shift the repayment date by several days, or you can make a smaller payment. You can reduce the payment once for the entire loan period, and change its date by no more than fifteen days, once a year.

Important. Services that involve changing the payment date and amount are provided free of charge, but you should pay attention to the loan term, which may change. It is necessary to obtain a new loan repayment schedule from the bank.

To use the service of skipping the next payment, you can call the hotline, for identification they ask for an access code, you need to be ready to give it. To connect to this service you must have objective reasons impossibility of making payment. You must contact the bank no later than seven days before the scheduled date, because the bank makes a decision on providing this service separately for each client.

Another service designed to facilitate the loan repayment process is Auto Repayment. It involves monthly debiting on a certain date the amount of the required payment from any available debit card. With this service, you can rest assured that you will not be able to get to the bank to make your next payment.

Important. On the account of the card from which the debit is made, it is necessary to provide for the presence of the amount of the commission for the provision of the service and the full amount required for the transfer.

To summarize, we can highlight the following advantages of Post Bank loans:

• fast registration and availability of the bank;
• availability of services to help pay off the loan;
• availability of services to facilitate the loan repayment process;

Pochta Bank is a retail bank created relatively recently, in January last year. It was formed through the efforts of the international financial group VTB and the Federal State Unitary Enterprise Russian Post on the basis of Leto Bank.

According to statistics, only 1/2 of the country's adult population actively uses the services offered by banks. While in China this figure is 70%, and in Scandinavian countries– more than 90%. Thanks to the work of Pochta Bank, penetration will be increased banking services on Russian territory.

Important! The founders of Pochta Bank see their primary goal as increasing the accessibility of financial services for Russian citizens.

Pochta Bank clients have access to:

Savings accounts;
Loan products in assortment;
Calculation and credit cards;
Payments and transfers;
Internet and mobile bank.

The founders of Pochta Bank want to make it one of the largest in the country. Therefore, it is planned to open about 15 customer centers in the coming years.

"Pochta Bank" of Russia: loan terms

A financial institution has more than one loan product. For greater ease of perception, we present the loan terms in table form.

Terms of loans for pensioners at Post Bank of Russia

For such a category of the population as pensioners, Pochta Bank is ready to offer special conditions. So, two loans are available to them:

"Preferential". According to the terms of the program, the credit limit at Pochta Bank varies from 20 to 150 thousand rubles. It takes 1-3 years to repay it. Overpayment per year – 19.9-29.6%, Exact size determined for each applicant personally;

“Preferential Special” - aimed at pensioners receiving a pension in this financial institution. The loan limit and loan term are similar to the previous program, and the interest rate is reduced and amounts to 16.9-29.6%.

Important! At the same time, when applying for a loan at Post Bank of Russia, you can use the “Guaranteed Rate” service. With her help, when full repayment the loan without delays will be recalculated - taking into account the interest rate of 14.9%.

The difference will be credited to the Savings Account.

To apply for a loan from the Post Bank of Russia, pensioners should contact a branch of the financial institution with a passport of a citizen of the Russian Federation and a working mobile phone ohm

After submitting your application, you will have to wait for a decision, which may take at least a couple of hours and a maximum of 1 business day. Credit funds can be cashed out at an ATM or paid by bank card.

Loans from Pochta Bank of Russia by online application

Take consumer loan in Pochta Bank of Russia you can follow the following algorithm:

Expect a decision on your application, which will be made no later than the next business day. A notification is received from Pochta Bank via SMS message to your mobile phone;

Receive cash or make a non-cash payment.

When applying for a loan, a Pochta Bank employee opens a Savings account with a card and provides a Visa payment system card.

Using the latter, you can get cash at any ATM or pay for services, goods on the Internet or in stores around the world without cash.

You can get cash without a withdrawal fee at a Pochta Bank ATM.

Lending concept

The unique concept of organizing activities is liked by the bank's clients, as evidenced by their reviews. There is a Russian Post office in every city, and online services available for use around the clock.

The company has a wide selection of financial programs in its arsenal. You can get a loan under the most favorable conditions. The following types of lending programs are offered to clients:

• Cash for any purpose;
• Loan to pensioners;
• Credit for purchases;
• Education loan;
• To corporative clients;
• Refinancing.

Available programs

An eighteen-year-old citizen of the Russian Federation with permanent registration where the bank branch is located can apply for a cash loan online or at the Russian Post Bank. Lending in Russia is available to pensioners up to 75 years of age.

First postal

The interest rate will be recalculated if you prove to the bank that you are trustworthy and close the loan on time, without delays

Conditions of receipt Money:

• The client himself chooses the required loan amount from 50 thousand to 1 million rubles. The calculator will clearly demonstrate the monthly payment amount for each option.
• Loan term up to 5 years.
• Consideration of the application and issuance of the loan on the day of application.

The interest rate for the entire loan period is fixed - 16.9%, with connection to the service - Guaranteed rate. It ensures that you can receive up to 50% of the amount of funds provided to your savings account.

Loan terms allow you to issue funds for any need. An application to Post Bank for a cash loan can be submitted online through the official website.

Just a loan

Provides a fixed loan amount and a loan term of 1 year. The loan amount can be 30, 40 or 50 thousand rubles. Payments in this case will be 3, 4 and 5 thousand rubles monthly.

The decision to issue funds is made online in just one hour.

The convenience of the loan is that the decision and issuance are on the day of application, a fixed payment amount

You can also submit an application to the Post Bank for a cash loan online or by phone. After a positive decision is made, registration and issuance will require one visit to the representative office. Addresses can be checked on the map of your smartphone.

Money for pensioners

Preferential loan

The following conditions are provided to pensioners:

• Rate from 19.9 to 29.6% per annum.
• Loan size up to 150 thousand rubles.
• Loan term up to 3 years.

Special preferential loan A specially developed program for pensioners who receive a pension from Pochta Bank. The calculator can calculate a convenient payment to the official website. Please contact your financial representative for more accurate information.

The terms of the loan offer only an excellent interest rate.

The interest rate in Post Bank cash loan is from 16.9 to 24.9% per annum.

The guaranteed rate recalculates the amount owed to pensioners (16.9% per annum). The difference in settlements is credited to the personal savings account, this can be half of the loan paid.

Additionally, you can sign up for an insurance program that will provide financial support in unexpected situations such as injury or hospitalization. The insurance commission varies from 0.20 to 0.30% per month of the total amount, depending on the selected insurance program.

Loan for purchases

To take out such a loan, you need to select the required product at a retail outlet and contact a Post Bank employee with an identification document. A loan application will be generated. Or you need to go to the credit counter in the store, if there is one.

Lending terms:

• Review of the application online – 30 minutes.
• Loan size up to 300 thousand rubles.
• Loan term from 3 months to 3 years.
• The ability to independently choose the size of the down payment from 0 to 90% of the purchase price.

The official website provides information about Pochta Bank partner stores

Education loan

You can take out a cash loan from Pochta Bank to pay for education, regardless of educational institution. Special conditions apply:

• The minimum age of the student is 14 years.
• The maximum loan size is up to 2 million rubles.
• The loan is provided in stages. After registration, you must provide receipts from the educational institution for payment.

Repayment of the principal amount of the loan is made only after graduation. The rest of the time, only interest on the loan is paid.

Before you submit an online loan application, you can first find out the approximate amount of payments for a cash loan from Pochta Bank for education using the calculator on the official website. Here the amount of contributions is calculated taking into account the insurance program and it will be easier for you to understand how much you need to borrow from the bank.

What interest rate the bank will offer on the loan will depend on many factors. You can manage the loan. If you have the opportunity to pay for the semester yourself, there is no need to provide a receipt to a bank employee. You can skip this step and submit documents for payment in the next semester.

Refinancing

If the client has debt obligations in other banks, then they can be transferred to Post Bank on more favorable terms. The application is accepted if the loan is valid and no penalties are imposed on it. A bank employee will tell you what interest rates apply to this offer after detailed study your previous debt obligations to another bank.

The refinancing program provides one or two loans to choose from total amount up to 500 thousand rubles. For registration you will need a passport and available loan agreements. The decision on extradition is made in short time, usually no longer than one business day.

When connected online services Guaranteed rate and, subject to the conditions of the program, it is possible to receive a loan recalculation at a rate of 16.9% per annum. The difference in payments goes to the client's savings account.

If the amount provided is not enough, an online application can be submitted for 2 co-borrowers, the loan size in this case will increase. You can apply for a cash loan from Post Bank at a branch or online.

Additional services

In addition to the list of loan programs provided, Post Bank provides its clients with additional services:

• Registration of an insurance program at the client's choice. If an insured event occurs, the amount of insurance compensation may exceed overall size the loan provided twice. Especially up-to-date information will seem to pensioners. Health problems can disrupt mandatory procedure making payments. In this case, the interest rate will not be reduced and penalty interest will be added.
• Payment date change service. The client has the right to change the date of the next payment at any time in the range from the 4th to the 28th. New date payment must be no later than the previous one more than 15 days.
• Setting up auto payment online. Issued with a credit representative. The service allows you to set up auto payment for timely payments from plastic cards of other financial organizations.
• Reducing the next payment. Payments can be reduced once during the entire term of the contract.

Activation of the above services must be completed before making the next payment. Therefore, you need to contact your financial representative or call hotline early.

Loan repayment methods

You can make monthly payments in any convenient way:

• Through ATMs;
• On the official website of the bank;
• Using the auto repayment service

With Pochta Bank partners, cash loans can be repaid without fees. The addresses of organizations can be found on the Post Bank portal.

Taking out insurance increases the chances of making a positive decision when applying for a loan, and also makes it possible to receive half of the loan amount back after repayment

Positive reviews about Pochta Bank and its cash loans they say that profitable terms and the ease of obtaining a loan make it attractive to customers.

Conclusion

When applying for a cash loan at Pochta Bank, you can activate an absolutely unique loan recalculation program. Loan terms are selected individually to suit the needs of the borrower. Special conditions are available to pensioners and students. It is enough to make regular payments on time and half of the paid amount on the loan will be returned to the borrower’s savings account. Pensioner clients of Post Bank are subject to special lending conditions. The application can be left at the branch where you are used to receiving your pension. The interest rate of 16.9% per annum is relatively low and convenient for making monthly payments.

The application for a loan is preceded by studying the question of what interest rates are offered by different banks. The formation of interest is influenced by the rate of the Central Bank of Russia, which also needs to be monitored.

Maria |

04/27/2018 at 06:47

I learned about Post Bank from the Internet. I first took out a loan from them six months ago, filled out an online application on their website, indicated that I needed 200,000 rubles for a period of 2 years. Literally a few hours later I received approval for the loan. I received the money on my visa card. I didn’t even expect that taking out a loan from Post Bank was so easy and simple. It’s very convenient that to apply for a loan you didn’t need any certificates or a guarantor, just my passport was enough. I have now already paid 6 months of the debt, during all this time no problems have arisen, the monthly payment is the same as it was indicated in the contract.

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Dmitriy |

05/01/2018 at 10:54

Well, I don’t know how they gave you 200,000 without an income certificate and without guarantors. I also applied, they approved the amount of 100,000 rubles, talked to the manager, said that if I provide a certificate of employment and a certificate of income, then approval is even possible larger amount. I had to provide it, but after that the loan was issued. The rate is about the same as other banks, but I went to them because of their good reputation. They don’t have any “pitfalls”; everything is transparent, no additional insurance or fees, as is usually the case when applying for loans. I have almost paid off the debt, there are still a few months left.

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Anton |

07/24/2018 at 21:09

I don’t know why they didn’t sell you insurance, this is just some kind of exclusive case. All banks are guilty of this, and Post Bank is no exception. I was never given a loan because I refused both personal and property insurance. But I’m not upset, I found more favorable conditions.

Sasha |

04/29/2018 at 16:28

I took this loan and was satisfied. I needed money urgently because I was leaving on a last-minute tour literally the next day. The bank is good, proven and already has a certain reputation in the market. So I trust him completely. They gave me 100,000 without a guarantor, everything was processed quickly and with a minimum of documents. I filled out an application online and the money was transferred to my card. The rates are low, it turned out to be very profitable and convenient. There were no hidden conditions, I recently paid for everything in full and am happy. I’m thinking about taking out such a loan before my next vacation so that I can have a normal rest.

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Elena |

05/04/2018 at 16:23

As far as I understand, I am the only one who has a slight dissatisfaction with the bank. Their conditions are really good, the interest rate is low, and there are no hidden fees. But the manager I came across was, let’s say, not particularly efficient. It seems that the girl ended up working here by accident; she had to be tortured on every point of the contract. I asked the management to replace me with a manager - that’s another matter, everything is clear, understandable and quick. But you still need to bring a proof of income, so the chances of getting an immediate positive answer increase significantly. Generally not bad, if only the staff is good.

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Oksana |

05/07/2018 at 09:28

I also applied for a loan here and how I understand you, Elena! I also came across a manager who was apparently new to this industry, but this didn’t bother me at all. We all once just started working and each of us behaved this way. The most important thing is that they gave me a loan for 100,000, as I asked. I liked that the interest rate here is not higher than in other places, and compared to others, I can say that the interest here is even lower. Everything was completed quickly and not a lot of paperwork was needed. Now I’m calmly paying myself this loan and, perhaps, I’ll be able to pay it off faster. And the main thing is not to be late with payments.

Alina |

05/10/2018 at 13:35

The daughter was transferred to a paid form of education, and she only had two years left to complete her studies. There was no money to pay for training, so I had to go to the bank. The only bank that quickly responded to issuing a loan was Post Bank, where I submitted an application, which was not considered for long. I see that some people are complaining about the managers of this bank, so I want to join them)) But somehow I didn’t care. I was more worried about whether they would give me the go-ahead to apply for a loan or not. Still, they gave it and the registration didn’t take much time and the money was given out right away. Now I am slowly paying off the loan.

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