On what conditions do banks of Yakutsk serve customers?

Yakutia is the largest republic within the Russian Federation. However, due to the remote location and low population density (less than 1 million people), the number of financial organizations in this region is limited. Accordingly, there is less opportunity to get financial means for personal needs. Let us consider in more detail what service conditions Yakutsk banks offer.

Rating

In the rating presented below, the banks of Yakutsk fell on two factors: the presence of representative offices in the republic, the size of assets. The list also includes the largest institutions of the Russian Federation. The most reliable banks of Yakutia in 2016 were:

• Sberbank;
• "Gazprombank";
• "VTB 24";
• Rosselkhozbank;
• "Alfa Bank".

In total, there are 52 representatives of national and regional financial institutions in the region. Nevertheless, you can apply for a loan quickly for any purpose in only a few banks.

Loans in banks of Yakutsk

"Renaissance Credit" provides loans in cash in the range of 30-500 thousand rubles. Without collateral. To sign the contract you need a passport and one more document. Loans with a maturity of up to 5 years are available to Russian citizens aged 24 to 70 who worked in the last place for at least 3 months.

"Ural Bank" grants loans to Russian citizens who have reached the age of 21 in 15 minutes. The maximum loan amount is 200 thousand rubles. The service charge is 15%. The loan must be repaid in two years.

"Orient Express Bank" (Yakutsk) requires a full package of documents (passport, certificate of employment) from customers. Loans for a maximum amount of 1 million rubles. Are available to Russian citizens aged 21 and under. Credit is provided at a rate of 15% per annum. Repay the debt can be 5 years.

Banks of Yakutsk will compete with "Post Bank"

"Post of Russia" and "VTB24" establish "Mail Bank", which will work in the communications offices. The institution is created on the basis of the "Summer Bank", whose head will manage the new point. The first attempts to create a postal bank were made 16 years ago, but the real project was launched only in 2016.

The first banks of Yakutsk in the post offices will start working in late 2017. Such an organization will be of interest to residents of Yakutia, since the only major financial organization of the country - the Savings Bank - in 2015 began to close branches in remote regions. A large number of residents of Yakutia were left without services.

Today, only two branches of the bank are serviced by 24 thousand residents of the Verkhoyansk and Olenek districts. Residents of the town have to travel for money to the regional centers and idle the hour queues at ATMs. The opening of the "Post Bank" should ease social tension.

Sberbank launched a new product

While other banks in Yakutsk are focused on providing loans at favorable terms, Sberbank launched a new product - "Nominal Account for Social Payments." Trustees of minors or persons with limited legal capacity can receive payments directly to a bank account. The balance of unused funds will be accrued at 3.5% per annum. To open an account, you need to submit documents for payment once.