In recent years, the Russian credit market is experiencing major changes.The worst impact on interest rates on loans to the Bank of Russia the international economic crisis.It is because of him many financial institutions were forced to call themselves bankrupt.Those who were able to survive it, completely revised their lending policies.The important role played here and the government has released a draft law regulating the rights of all customers of the bank, as the depositor and the borrower.Now financial institutions are required to provide the most comprehensive and timely information about all fees charged in the course of the program.
Such a move by the government greatly increased the confidence of ordinary citizens for registration loans.During the struggle for the consumer began to decrease interest rates on loans to banks.Thing of the past practice of charging fees for the bank a lot of "little things".Now, most banks do not require the borrower to pay for the cash advance or loan processing.Until now, at registration as a pledge of the property or land borrower needs to pay for banking specialist.However, this service can help to significantly expand the scope to lend.Thus, you can get up to 10 mln. Rubles.for up to 30 years.
Interest rates on loans to households
Today banks of the Russian Federation provides a lot of different programs.One of the most often made out a consumer loan.With it, you can take a loan for the purchase of any product or service from a mobile phone to education.Interest rates on loans to banks are in a wide range from 12 to 70% per annum.Such a large difference in rates is caused by the difference amounts and conditions for registration loans.You can receive from 30 to 700 thousand rubles, leaving only a few documents.Financial institutions wanting to recoup their risks will inevitably ask for more overpayment, if you provide only a passport.However, providing a guaranty facility, guarantee and a full package of documents can be significantly reduced interest rates on loans.The banks always meet someone who gives a guarantee of repayment.
Credit cards
Very popular is the service of multiple lending.In the framework of the banks provide to their customers credit cards allow you to borrow money, without asking permission from the lender.For example, "Home Credit Bank", the interest rate on the "card loans," which amounts to 29.9% per annum, allows you to use your money for 51 days for free.The maximum amount that can be obtained in this way is 300 thousand. Rub.Naturally, the user will have to pay for the service of his card account, and possibly pay a certain percentage of cash withdrawals.When making a credit card should carefully examine all the commissions, which have to pay for its maintenance.Currently this method of borrowing fast gaining market and maintains its growth trend.
