Most people believe that the Agricultural Bank operates only in the agricultural sector.However, it is not so.In this financial institution wholly owned by the government of the Russian Federation, has a line of programs intended for ordinary citizens.A prime example of these products are consumer loans Rosselkhozbank.
The organization starts to give out such loans to people under the age of 18 years, which in itself is surprising, since a very small number of banks willing to work with borrowers under the age of 21 years.To obtain a loan the customer must be registered close to one of the bank branches, which number more than 1,600 in the country, and to have seniority in the main official site for at least six months.Also to be confirmed by the level of income to determine the creditworthiness of the borrower.Personal income in most cases it is sufficient to design the program and attract co-borrowers do not have to.
necessary papers for registration
Consumer loans Rosselkhozbank issued in the provision of the following sets of documents:
- valid passport of the Russian Federation;
- military ID.This document is required to provide under 27 years of age;
- income statement on Form 2-PIT;
- completed application form.
For more information it is recommended to visit the official site, which is on the Internet Rosselkhozbank.Consumer Credit Calculator located on its pages, will help the borrower to calculate the convenient payment plan and the amount of the loan does not exceed the level of monthly income.In addition, here you can find an online form of application forms, fill, send e-mail to the manager of the credit department.
Types of programs provided
Rosselkhozbank Consumer loans can be divided into two broad categories:
- Target - Loans made out to achieve a certain goal, which is specifically prescribed in the contract.In the case of registration of the loan the client can count on better conditions, which can provide the Agricultural Bank.Consumer credit, the interest rate that will not exceed 17%, may be issued for the purchase of equipment or vehicle for repairs, real estate, education, purchase of medicines and so on.
- Unearmarked - loans in which the bank provides the requested amount and is not interested in her fate.The interest rate on this loan can not be less than 18%.
Rosselkhozbank Consumer loans can be obtained for up to 5 years.The maximum amount that can be taken, is 10 million. Rubles, but for more than 300 thousands of organizations require a guarantee of at least one natural person, and more than 1 mln. Rubles.- Object of collateral in the form of real estate.
application for a loan is usually regarded by the bank for one week.For the loan the financial institution does not charge any fees, which is a huge plus when choosing a lender.
