Consumer loans from Eastern Express Bank in

If you need a large sum of money at a minimum interest rate, feel free to go to Orient Express Bank. This bank is characterized by fairly low interest rates along with very high-quality services for customers. The client comes first - this is the motto of Orient Express Bank. An online application for a cash loan will allow you to apply for a loan without visiting offices financial organization. It consists of 3 simple steps. During the registration process, you must indicate your registration address, series and passport number, and your contact information.

Conditions for targeted loan programs.

First of all, the bank confirms its name - Orient Express.
The bank declares the time for making a decision on the application - within 5 minutes. You need to fill out the online application correctly and wait for the bank to call.
If the decision is positive online application at Eastern Bank you can get a loan in just 1 day.
Let's consider the terms of lending from Vostochny Bank.

The most the best option The loan is a secured loan. It has the lowest rate, which means the overpayment in the form of interest will be minimal.
Orient Express Bank loans require insurance. If it is not there, the bank simply increases the loan rate. If your application is approved, you can receive it within 27 days. After this period, the bank’s decision will be invalid and you will need to resubmit your loan application.
The rate on consumer loans, which the bank declares on its official website, is 15%.

How to apply. Procedure for filling out the form

In order to fill out an application for a loan at Orient Express Bank, the following data is required

• Mobile phone
• Email
• Your passport

At the first stage you will be required to correctly fill in your full name, phone number and email address

You need to agree with the rules for processing personal data and click continue.

At the second stage You will be required to fill in your passport details correctly. If you were not born in the Russian Federation, fill in your place of birth correctly.

At the third stage you will be asked to provide your registration address. If it does not coincide with your residential address, you will also have to indicate your residential address. In the telephone field you must enter a landline telephone number. It should be noted that the bank issues loans only in the region where the bank operates.

On last stage You will be sent an SMS containing a code. This code will need to be entered into the input field.
The application for a loan at Vostochny Bank can be completed simply within 2 minutes.

Vostochny Bank loan calculator

Below you can use the Vostochny Bank loan calculator. The bank provides loans with equal (Annuity payments). When calculating, you must indicate the type of payments = Annuity.

• Amount of credit:		rub.
  Loan rate:		%
  Credit term:		months
  3 months 6 months 12 months 48 months
  annuity differentiated

• Mortgage loan calculator for Android

  Calculation and accounting of multiple loans. Export data by e-mail. Opportunity to evaluate the benefits of early payments. Graphical representation of profitability using graphs. Calculation with interest rate changes.

  Loan calculator for iPhone/iPad

  Version available for iPhone and iPad. A convenient calculator that allows you to calculate your loan, and also possibly early repayment loan

  Loan calculator for Windows Phone 7-8


The Express Bank calculator will help you calculate any type of loan. These can be both preliminary calculations and calculations of an already issued loan.
If you click on detailed calculation, you can get a payment schedule. This is what the loan schedule looks like for 100 thousand for 12 months at 15%.


As you can see, the monthly payment will be 9,025.83 rubles, and the total overpayment will be 8,343.98. This is enough profitable terms, for which it is worth getting a cash loan from the Eastern Bank.
The payment schedule is quite convenient. From it you can safely judge what the monthly payment will be and how the payment will change if you pay off early.
To do this, you need to add early repayment to the calculation.
You can also calculate the amount for full early repayment - it is equal to the balance of the debt on a specific date.
After the calculations, I recommend saving the data in Excel so that you can later return to the calculation on your computer. If this is not possible, you can download calculators to your phone. IN mobile version The calculator also has the ability to make early repayments, take into account commissions, and insurance. The schedule can be sent by email.

The procedure for repaying loans at the Eastern Bank

The bank advises clients to repay the loan on time. This provides many benefits to the borrower:

• There will be no penalties or fines. With penalties and fines, the total overpayment on the loan increases. Penalties and fines arise for late repayment of the loan. Their presence makes the payment schedule confusing for the borrower. You will need to call hotline bank and find out the amount to cover fines and penalties. When repaying a loan, penalties and interest are paid off first.
• Regular monthly loan repayments build a good credit history. This is important for each borrower. With a new loan, a disciplined borrower will be able to take out a loan from Vostochny Bank for a larger amount
• After repaying the loan without delay, the borrower may have access to special loan offer at a reduced rate
• Having loan debts has recently become an obstacle when traveling abroad. If you have no debt, traveling abroad will be without problems.

In 2019, Vostochny Bank offers Moscow residents a wide range of credit products for consumer purposes. It is possible to register without security or on the security of a vehicle and real estate. The bank's line-up includes programs for various categories of clients, including pensioners and individual entrepreneurs.

Vostochny Bank pleases its clients not only with favorable interest rates, but also with the conditions under which borrowed funds, both in cash and by issuing a plastic card. What does Vostochny offer?

Comparative characteristics

To comfortably study the lending conditions of Vostochny Bank, you can familiarize yourself with their features, both in particular and in comparison with each other. The bank sets the exact percentage of the overpayment at its discretion, depending on the borrower’s solvency.

Seasonal loan

Ideal option with a fixed rate. The conclusion of the contract is carried out without certificates and guarantors. The product is available to persons over 21 years old, with a total work experience of at least 1 year (for borrowers over 26 years old - at least 3 months). You can apply for a loan using one document – ​​a passport. The offer is suitable for clients who want to quickly receive cash, since the minimum processing time for an application takes no more than 15 minutes.

Big money

The offer is attractive with a reduced interest rate and cash withdrawal on the same day. Documents you need are a passport, a certificate of income in the form of a bank or form 2-NDFL. Review of the application may take from half an hour to 1 business day.

The bank transfers the money to the card (the cost of Visa Classic is 0 rubles, Visa Instant Issue is 800 rubles). The percentage for non-cash transactions varies from 22.7 – 24.9%, for cash transactions – 14.9 – 29.9%. The grace period for deferring payment of the principal debt does not exceed 5 months. with a minimum payment of 100 rubles.

Pension

The consumer loan is designed for borrowers who have reached retirement age. Important point- At what age can such an agreement be drawn up? In this regard, the bank has established special restrictions: from 50 years for women and from 55 years for men, the maximum cannot exceed 76 years. The decisive factor when considering the application will be the presence of a stable income. The application is submitted on the basis of a passport and pension certificate, but at the discretion of the bank, security may be requested. The analysis takes from 5 minutes. Funds are provided to pensioners by issuing plastic cards.

Equal payment

A loan with the issuance of a card and the possibility of increasing the limit without visiting the banking institution again. To conclude an agreement, you only need a Russian passport.

When registering, it is worth considering that for cash withdrawals a commission of 2% will be charged, and the interest rate will increase in the range from 35 to 64%.

The loan is issued against a guarantee, and the money is transferred to the card (cost of Visa Classic - 0 rubles, Visa Instant Issue - 800 rubles). The bank also provides for a deferment of payment of the principal debt for up to 5 months, with a minimum payment of 100 rubles.

Secured by real estate

A distinctive feature is long-term financing for up to 20 years. Money is issued based on 3 documents: passport, income certificate and work experience. To take out a loan you must provide a guarantee from 1 guarantor. Mandatory conditions of the bank - housing must be insured and free of encumbrances. The mortgage is issued at the initiative of the bank. The lender is also ready to review age restrictions on an individual basis. This may be affected by the high cost of the loan collateral.

The bank's approval is valid for 45 days, but the period can be extended at the discretion of the lender.

It is mandatory to take out insurance for the collateral loan agreement. The client must purchase the policy independently within 10 days from a company that meets all the bank’s requirements. In this case, the policyholder is the pledge holder, therefore, he will claim compensation in the amount of the actual amount of the debt. The difference will be passed on to the borrower. The client can insure himself solely at his own request.

Secured by car

According to the terms of the agreement, the collateral for the loan must be vehicle borrower. To conclude a transaction, it is necessary to provide a passport of a citizen of the Russian Federation, a PTS and a vehicle registration certificate.

Borrower insurance or CASCO insurance is not required.

Money is issued on a bank card, the cost of registration depends on its type: Visa Classic - 0 rubles, Visa Instant Issue - 800 rubles. At the same time, a grace period for paying the principal debt is available for 5 months; during this period, the minimum payment is no more than 100 rubles.

Car loan

Intended for the purchase of a used car. Proof of income is not required when submitting documents. The main advantages of a car loan from Vostochny Bank are:

• Possibility to choose any car on the secondary market.
• There is no requirement to purchase a CASCO policy.

After the bank’s approval, the borrower must provide a title, a purchase and sale agreement and, for collateral, a passport of the seller of the vehicle.

Smart wallet

As part of the program, money is transferred to a bank card, the cost of its registration is 800 rubles. The deferment on payment of the principal debt is 5 months with a minimum payment of 1000 rubles. Individuals between the ages of 25 and 70 who have not been in arrears on any loans for the last six months can receive a loan. The validity period of a positive decision of the bank is 30 calendar days.

If the client is an individual entrepreneur, the bank has the right to conduct its own analysis of the financial and economic activities of the enterprise to confirm the level of solvency.

Using the card is practically free, the bank charges a commission of 15 rubles. for generating a balance statement through self-service devices of third-party credit institutions.

By this loan relatively low penalty for late payment - only 9% per annum of the principal amount. However, the fines are quite large: 1000 rubles. for the first time, then increase to 1500 rubles. and 2000 rub. for the second and third respectively.

For a loan amount of up to 3 million, the bank will require a guarantee from one individual, and for 5 million – a guarantee and security in the form of highly liquid property.

Requirements for borrowers

According to credit policy bank, the borrower must:

1. Have Russian citizenship.
2. Be between 21 and 76 years of age (except for the Smart Wallet program, where the minimum age limit is 25 years).
3. Work for last place employment for at least a year if the age is from 21 to 26 years, and 3 months if the client is over 26 years old.
4. Have a stable source of income.

At the discretion of the bank, borrowers with bad credit history security may be required.

If the bank does not give you approval and requires you to attract a guarantor, then he must meet the same requirements as the main borrower. Often the official spouse must act as a third party.

VIP Client Program

The Vostochny Bank line also includes premium loans with high limits and low interest rates:

• Premium credit. Amount up to 2 million under basic conditions, with provision of collateral - up to 5 million. Rate from 23 to 26%, total loan term up to 5 years.
• Secured by real estate. The bank issues from 1 to 150 million at 14.1 – 25%. The agreement can be concluded for a period of up to 10 years.
• Auto. For a period of 12 to 60 months, the bank issues up to 5 million for the purchase of a car. Interest rate 19 to 20.5%, but requires a down payment of 30% or more.
• Contribution. Using the Guarantor VIP deposit as collateral, you can receive from 1 to 5 million at a rate of 16 to 22%, depending on the share of the collateral. The deposit must be at least 50% of the loan amount. The loan term is from 6 to 36 months, but in multiples of 1 year.

Applying for a loan from the premium line is possible upon confirmation of the appropriate level of solvency. The package of documents is standard: passport, certificates of income and place of work.

Lending to legal entities

Legal entities have access to a loan in the amount of 3 to 10 million rubles or the equivalent in US dollars/euro for a period of up to 12 months. Full or partial early repayment of the principal debt is possible; to do this, you need to find out the loan balance before making the payment. Money. The agreement can be concluded either on the terms of a one-time loan or with the opening of a credit line with a certain debt limit.

Interest rates for using a loan are set individually in each case.

A mandatory condition is the provision of collateral in the form of movable and immovable property, funds in the form of bank bills or a guarantee from the owners of the company.

Contacting Vostochny Bank - correct solution for those who value their time and prefer flexible contract terms. Borrowers have access to a whole range of different offers and credit cards(to apply online, go to ).

Loans on the Orient Express

If you have decided to take out a loan from Orient Express Bank, online application will greatly simplify this task for you. We are always ready to provide help and assistance to visitors to our website, as well as tell them in detail about the programs of the bank they are interested in.

Orient Express Bank programs

You can submit an online application for any of the offers, which will save you from going to the organization’s branches and saves your time.

1. Seasonal
2. Secured by real estate
3. Secured by car
4. According to two documents
5. Equal payment
6. Car loan
7. Pension

Let's take a closer look at these service packages. But since we can’t fit everything into the limited size of the article, we will limit ourselves to a couple of the most interesting, in our opinion, programs, and you can find out about the rest by sending a request to our consultants.

Currently the bank still has a promotion and you have great opportunity get yourself a product at a reduced rate. Hurry up to take out a loan from Orient Express Bank using an online application while the program with a reduced rate is still in effect.

Product "Seasonal"

This special offer became New Year's gift for clients, and is still valid.

1. Fixed rate of 15 percent per annum
2. You can receive up to 50 thousand rubles
3. Repayment period from 13 to 36 months
4. Application review takes only 15 minutes
5. If you need a relatively small amount, this will be the best option for you. Hurry up to take advantage while the offer is still valid. Don't miss the chance to get a profitable loan.

Important! Before applying for a loan, carefully read its terms and conditions. You may not like something. To avoid any complaints during use, you should carefully study the signed agreement.

Loan on two documents

Let's consider another loan from Orient Express Bank, which, based on the name, can be issued with only two documents.

1. You can get from 30 thousand to half a million
2. Loan rate from 18 to 29.9 per annum
3. Review from half an hour to one day

The bank also has interesting offer for you. You can recommend the services of Orient Express to your friends. For every friend who contacts the bank, you receive one thousand rubles. And your friends, when applying for a credit card or one of the lending programs, will receive a bonus of 500 rubles.

Hurry up to take out a loan from Orient Express Bank through an online application and sign up for one of the favorable service packages. Thousands of clients have received service from this organization and are completely satisfied with the quality of the service provided.

Pension loan

The list of offers includes service packages for all categories of the population. Pensioners were not spared either.

1. From 30 thousand to 99999 rubles
2. Repayment period from 12 to 36 months
3. Registration only by passport

To find out the amount and rate available to you, you should submit a preliminary application. Consultants will contact you and tell you everything in detail. Calculations are made individually for each person.

Do you want to take out a loan but can't find the time to go to the bank? An online application for a cash loan from Vostochny Bank will help you, which you can fill out and leave to the bank managers in the near future. An online application has many advantages over submitting an application form through a bank:

• it can be filled out and sent at any convenient time;
• the client can use such a tool to find out whether he will be given a consumer loan without certificates;
• You can apply for several types of loans;
• When going to the bank, the client will already know the preliminary decision on his loan.

Both new and old clients of the bank can apply for a loan online at Vostochny Bank. It is available to all individuals.

How to apply online for a loan

Taking out a loan from the Eastern Bank (online application) is not difficult. To do this, just visit the official website of the organization and fill out a short application form, indicating contact information, a convenient bank branch for service, the amount of the loan and the repayment period. After this, the completed application must be sent for processing. Within a few days, bank employees will process your request and contact you. All you have to do is simply visit the bank and get a consumer or other necessary loan using your passport.