Consumer loans of Rosselkhozbank

Most people believe that Rosselkhozbank operates only in the agricultural sector. However, this is not at all the case. This financial institution, which is completely under the control of the government of the Russian Federation, has a line of programs intended for ordinary citizens. A vivid example of such products are consumer loans Rosselkhozbank.

This organization starts issuing such loans to people aged 18 and above, which in itself is surprising, since a very small number of banks agree to work with borrowers under the age of 21. To obtain a loan, the client must be registered near one of the bank's branches, which number in the country is more than 1600, and have a length of service at the main official place of work for at least six months. The income level for determining the creditworthiness of the borrower must also be confirmed. Personal income in most cases is enough for the design of the program, and it is not necessary to involve co-borrowers.

Required papers for registration

Consumer loans Rosselkhozbank issued when providing the following set of documents:

• Current passport of the Russian Federation;
• military ID. This document is required to be provided until the age of 27;
• Certificate of income in the form of 2-NDFL;
• Completed application form.

For more information, it is recommended to visit the official website, which presents on the Internet Rosselkhozbank. The consumer loan calculator, located on its pages, will help the borrower to calculate a convenient payment plan and the amount of the loan that does not exceed its monthly income level. In addition, here you can find the online application form and, filling out, send an e-mail to the manager of the credit department.

Types of programs

Consumer loans Rosselkhozbank can be roughly divided into two broad categories:

1. Target loans are loans issued to achieve a specific purpose, which is specifically prescribed in the contract. In the case of such a loan, the client can rely on the softer conditions that Rosselkhozbank can provide. A consumer loan, the interest rate for which will not exceed 17%, can be issued for the purchase of equipment or a vehicle, for repairs, real estate, education, purchase of medicines and so on.
2. Non-earmarked loans are loans in which the bank provides the requested amount and is not interested in its future fate. The interest rate for such a loan can not be less than 18%.

Consumer loans Rosselkhozbank can be obtained for up to 5 years. The maximum amount that can be taken is 10 million rubles, but to get more than 300 thousand the organization will require a guarantee of at least one individual, and more than 1 million rubles. - mortgaged property in the form of real estate.

An application for a loan is usually considered by the bank within one week. For granting a loan, a financial institution does not charge any commission, which is a huge plus in choosing a lender.