Loans issued to address consumer needs, are the most common credit programs of financial institutions.This service can be used for education, capital repairs, purchase of equipment and vehicles.Money to meet the needs of the offers referred to Gazprombank.Consumer credit, issued in this financial institution will help to solve many of life's problems.
Despite the large number of different programs, such kind of loans can be divided into two broad categories:
1. Trust loan - when enters into a contract has a clause that defines the purpose of obtaining funds.This could be the acquisition of higher education, the need for medical care, recreation, shopping, and other household appliances.If you take a consumer loan from Gazprombank for a specific purpose, you can get a soft loan terms and low interest rates.The main disadvantage of the target program is that the financial institution can control the spending of funds. In some cases, the borrower can not even see the money received as bank transfers them immediately to the account of the organization providing service.
2. Non-earmarked - in the framework of such a loan is meant to obtain a sum of money to meet the pressing problems.One of the most profitable companies for the registration of such a program is Gazprombank.Consumer credit for vague goals they issued at 16% per annum in rubles and 12% in dollars.
When making a loan you can get money to the credit card bank.The object of the borrower as collateral to offer the organization any securities or property in his possession.To obtain a loan the customer must meet certain requirements of the bank:
1. Age category.What is the minimum age of the client, who can ask for help in Gazprombank?Consumer credit will not issue unless the borrower is under 20 years, despite the fact that the existing legislation is limited by 18 years.There is a maximum age: the borrower must be no more than 65 years.
2. Residence permit.The client must be registered in the same region, where the main office or one of the branches of the bank.
3. The amount of payments.The minimum amount that a borrower can get through this loan program is 30 thousand. Rub., While the maximum - 1.5 mln. Rubles.
car as the object of guaranty
machine today is one of the most popular mortgage facilities.In this case, the financial institution is assigned an individual interest rate.Gazprombank, consumer credit which is issued under the lowest interest rate offers from 13 to 15% per annum in the case of collateral in the form of a car.However, to obtain such a loan should pay attention to some of the pitfalls that are present in the contract, which offers Gazprombank.Consumer credit can be issued only when the payment of a single fee for registration of a loan of US $ 100.In addition, the client will not be able to install on your car meter GPS and continue to use it.He will have to put their property on a guarded parking lot, where it will remain until full repayment of the loan.
