Which bank is better to take a loan: rating and reviews

Unfortunately, the economic situation in our country for a long time leaves much to be desired. Everyone has a need. But not always there are means for their satisfaction. Because many people decide on the loan. However, this is a serious decision. So people have to carefully look for a financial institution that offers the most favorable loan terms. Only after comparing several options it turns out to understand which bank is better to take a loan.

A single-valued leader

The first place in the rating, of course, is Sberbank. Which is not surprising. After all, this is the largest and "age" bank in Russia, the majority of shares of which (52%) belongs to the CBR.

This financial institution offers several types of loans. Take, for example, the consumer. In Sberbank it can be issued even without collateral. The maximum amount is 1 500 000 rubles, the rate is from 16.9%, and the term can reach five years.

Better conditions are offered to people for whom an individual can vouch. Then the possible loan amount increases to 3 000 000 rubles, and the interest rate starts from 13.9%. Only time is unchanged.

Many people, wondering which bank is better off to take a loan, like to make preliminary calculations, so that the potential benefit can also be seen. Well, you can give an example. A person with an income of 60,000 rubles a month, receiving a salary on a card of the Savings Bank, has the opportunity for two years to take about 640,000 rubles. For him, the interest rate will be 13.9% per annum. Each month it will be necessary to give about 30 550 rubles, and the amount of overpayment will total 95 000 rubles.

"VTB 24"

Telling about which bank is better to take a loan, it is impossible not to affect "VTB-24". After all, this organization ranks second in the ratings.

"VTB-24" offers several types of consumer loans. "Large" - from 400 000 to 3 000 000 rubles, for a period of 37-60 months, with a rate of 15.9-17.9% per annum. "Fast" - from 100 tons of r. Up to 3 million. The period in which it is necessary to meet, paying the debt, is from 6 to 36 months. And the last kind is "Convenient" credit. On it you can take the amount of 100 rubles. Up to 399,999 rubles. Term - from 37 to 60 months, the rate - 16.9 - 25%.

By the way, many people, wondering in which bank it is better to take a mortgage, get advice to turn to VTB-24. In this organization really excellent conditions. Let's say a person wants to buy a 1-room apartment for 4,000,000 rubles. An initial contribution of $ 1,200,000 will be required. The amount for people wishing to buy such a dwelling is usually upward. "VTB-24" suggests in this case to issue a mortgage for 10 years. If a person receives about 65,000 rubles a month, then for him the rate will be only 11.4% per annum. And you will need to pay 39,000 rubles per meter.

RosselkhozBank

This financial organization is on the third place in the rating. Many, having studied in detail the question of which bank is better to take a loan, make a choice in favor of Rosselkhoz. This solution is especially advantageous for those people who participate in the "salary project" program of this organization. For them, interest on a consumer loan without a guarantee starts at 15.5% per annum. If a person wants to take 750,000 rubles (this is the maximum amount) for 36 months, with a monthly income of 60,000 rubles, he will have to give only 26,000 rubles / m., At a rate of 16.9% per annum. It is not surprising that many people choose Rosselkhoz if they have a question about which bank is better to take out a loan.

In addition, there are profitable proposals for a mortgage. For housing in Tsaritsyno LCD, for example, a minimum annual rate of 7.5% is set. And then there is a military mortgage, loans for the purchase of real estate with government support and many other proposals. You can even issue a housing loan on two documents! Only this will have to make an initial contribution of 40%. The ability of a person to immediately pay such a sum is an oral confirmation of his income. If he wants, say, to take 1 000 000 rubles for 36 months, then for him the rate will be 14.4% per annum. Only the monthly income should be 60 thousand rubles. Because every 30 days will have to give 40 t. R. As a payment.

"Alfa Bank"

In many ratings, which clearly demonstrate in which bank it is better to take a cash loan, this organization is included in the top three. The conditions are favorable. The maximum amount is 2 000 000 rubles. The term is from one year to five years. There are no commissions, and sureties are optional, the annual rate starts at 13.99%, and the decision on extradition is taken during the day. And perhaps early repayment, which you can agree on even by phone.

Also, the salaries of this organization are offered good conditions for a mortgage. If a person wants to buy an apartment in the secondary market, he can be given money for 5-25 years with an initial contribution of 30% and registration with only one document. The rate will be 17.3% per annum. If you want to buy a house, you will have to pay 40% of the total.

Gazprombank

Many people assure - it is better to make a choice in favor of this organization, since the question arose as to which bank is better to take out a loan. Many people call it one of the best.

If you make a loan for up to a year, the rate will be 13% with security and 14% - without it. Do you need a loan for a longer period? If it will vary from a year to three years, the annual rate will increase to 13.5% with security and up to 14.5%, if there is none. And the loan for a period of 36-60 months will have to pay 14% and 15% respectively. By the way, for Gazprombank customers the rate is lower by 0.5%.

OTP

This organization, too, is not in last place in the rating of audited financial institutions. Moreover, many people advise it, if a person is interested in which bank is better to take a consumer loan.

Loans in TNA are issued in cash and for any purpose. Suppose a person needs to borrow 500,000 tons of r. For a period of 24 months. He can be offered a rate of 14.9% per annum and a monthly payment of 24 220 rubles.

Mortgage in OTP is also profitable, especially for "their" customers. The maximum period is 30 years. Mortgages with state support are set rates from 11.2%. On new buildings - from 12%, as well as on the finished housing.

By the way, many companies cooperate with the TNA, when buying in the centers of which it is possible to arrange installment or credit. These are DNS, Svyaznoy, Evroset, Media Markt, Techno-Sila, MegaFon, 585, Elena Furs and many other popular brands.

BinBank

This is also a fairly well-known commercial financial institution. Many people are often advised to go there if the person is interested in which bank is better to take a loan.

The minimum amount is 100,000 tons of p, the maximum is one million. Terms can vary from 24 to 84 months. The rate starts at 16.5%, and the decision on extradition is taken within three working days.

If a person is a client of "BinBank", then they can give him 1 000 000 rubles at 16.5% per annum, while the monthly payment will be 26 thousand rubles.

Mortgage can also be issued here. The minimum annual rate is 11.25%, the term is 5-25 years. The initial contribution should be 15%. The maximum loan amount is not limited, but at least 600 t. (Moscow) and 300 thousand rubles. (Other regions). The decision is made within five days. By the way, it is still possible to partially reduce the loan, the amount of payment or early repayment.

Ugra

This is a joint-stock commercial organization. Telling about which bank is better to take a loan (the list of names, as it was already possible to understand, is very wide), we can not fail to mention the "Ugra". He issues four types of consumer loans. There are "Friendly", "For any purpose", "Loyal" and "Pension". The peculiarity of this bank is that there are no universal conditions; here, for each client, the offer is individually selected, in accordance with its incomes and possibilities. So for registration you need to fill in the application in advance.

The same applies to mortgages. But there are some standards. The initial contribution should be 20% of the total amount. The term of the mortgage is from three to thirty years. The minimum amount is 300,000 rubles, the maximum amount is 10,000,000 rubles.

Avtotorgbank

This limited liability company also should be noted with attention, telling about which bank is better to take a loan. The rating basically shows popular names of financial organizations. About Avtotorgbank, few heard. But he offers favorable conditions for car loans.

This organization has many partners, including famous foreign producers. The bank issues the money for a car loan in euros, dollars and rubles. The minimum amount is 300,000 rubles, the maximum amount is 5 million. The term can vary from 6 to 60 months. The initial payment must be at least 20% of the cost of the machine. A pledge is not required, as it becomes a vehicle to be purchased (it will be necessary to transfer the vehicle to the bank for storage).

If a person takes an amount for a period of 6 to 12 months, then the annual rate will be 18%. From 13 to 36 - 19%. And from 37 to 60 - 19.5% respectively. Many take a loan in euros or dollars, since in any case, no matter what term the client chooses, the rate will be 15%. But in this case, too, there is a risk, and it is in an unpredictable exchange rate.

Sovcombank

This organization should also be noted with attention, telling about which bank it is better to take out a loan. Reviews about it are mostly positive. After all, Sovcombank makes profitable offers to its customers. However, the services of this organization will suit those people who need small amounts. So, for example, 100 000 rubles in a bank can be issued at 12% per annum. Requirements for borrowers are low: citizenship of the Russian Federation, age from 20 to 85 years, 4-month work experience at the last workplace and permanent registration in the region (also at least 120 days).

There is a consumer loan "Standard" with a maximum amount of 200,000 rubles, "Superplus" (600,000 rubles.), "Pension", "Express" and even a so-called loan "For those responsible", provided when presenting a passport and a diploma of higher education .

What do customers tell?

Finally, you can talk a little about what kind of reviews about the work of banks are left by people who used their services.

Comments are different. The previously mentioned "Sberbank", for example, receives both negative and positive feedback. The fact is that this organization makes too high demands on potential borrowers. And only a person who, due to the amount of money earned by him, is unlikely to ever need to take out a loan, can get a loan at an advantageous low interest. So, for example, in the description of the service it is stated that the maximum amount is 3 000 000 rubles (with a guarantor). But even two and a half million can give out for 60 months only to a person with experience of several years and a salary of 150,000 rubles per month. But this is unprofitable, as the annual rate is 14.9%, and the total amount of overpayment is 1 130 000 rubles. So the tariffs are controversial.

To "VTB-24" customers make other claims. In terms of rates and services, everything is in good faith - as in the description, but too long waiting. The application can be considered not one or even two weeks. Therefore, if it was decided to take a loan in VTB-24, it's better to do it before. The same is true for Rosselkhozbank. And even more likely to get a loan for a large amount and at favorable interest increases if a person has a pledge in the form of expensive property. So people assure that they made a loan in Rosselkhozbank.

And a few words about the bank OTP. This organization, as its clients say, is confidently on its feet and pleases with good interest rates. Still, people who took out a loan regularly receive reminders from the bank about repaying the debt. Some people do not like it, but it's done so that people do not forget - for convenience.

In general, there are a lot of good banks in Russia. A decision to take credit is a serious and responsible step. So, to make a choice in favor of this or that organization you need only thinking well and getting acquainted with the conditions of all the inspected banks.