Most people think that the Fine Bank only works in agriculture. However, this is not the case. This financial institution, which is fully controlled by the government of the Russian Federation, has a number of programs designed for ordinary people. A good example of such products are consumer loans from the Fine Bank.
This organization is starting to grant such loans to people over the age of 18, which is surprising in itself as a very small number of banks agree to work with borrowers under the age of 21. To obtain a loan, the customer must be registered near a bank branch that has more than 1,600 in the country and have at least six months of professional experience at the main office. In order to determine the creditworthiness of the borrower, the income level must also be confirmed. Personal income is sufficient to design the program in most cases, and there is no need to attract co-borrowers.
Required paper for registration
Rosselkhozbank consumer credit is issued upon presentation of the following documents:
- current passport of the Russian Federation;
- Military map. This document must be submitted before the age of 27.
- Income certificate in form 2-NDFL;
- completed application form
For more information, it is recommended to visit the official website presented by the Fine Bank on the Internet. The consumer credit calculator, located on its pages, will help the borrower calculate a convenient payment schedule and the amount of the loan that does not exceed their monthly income. You can also find an online application form here and, after completing it, send an email to the head of the credit department.
Types of programs provided
Fine Bank consumer credit can be divided into two broad categories:
- Goal – Arranged loans to achieve a specific goal that is explicitly prescribed in the contract. In the event of such a loan, the customer can rely on milder conditions that the Fine Bank can provide. Consumer loans, the interest rate of which may not exceed 17%, can be spent on the purchase of equipment or a vehicle, repairs, real estate, education, the purchase of medicines, etc.
- Unbound – Loans where the bank has provided the requested amount and is not interested in its future. The interest rate on such a loan must not be less than 18%.
Rosselkhozbank consumer loans can receive up to 5 years. The maximum amount that can be taken is 10 million dollars, but to get more than 300 thousand, the organization will require a guarantee of at least one individual and more than 1 million dollars. – Real estate mortgage property.
Loan application is usually considered in a week’s bank. A financial institution does not charge a commission for providing a loan, which is a big plus when choosing a lender.