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Universal loan at Gazprombank
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About the loan
With the universal loan from Gazprombank, borrowers can fund a costly purchase, university education, home renovations, and much more without having to spend months saving money from every paycheck. Thus, clients can access up to 7 million rubles for a term of up to 96 months with an overpayment starting from 2.4% per annum.
Terms
Gazprombank offers borrowers a universal loan for any purpose in the amount of 500 thousand to 7 million rubles for a term of 13 to 96 months. In the first 30 days from the loan disbursement date, if personal insurance is arranged, the interest rate ranges within:
- from 2.4% to 16.9% per annum for salary clients;
- from 6.4% to 17.9% per annum for all other clients.
Starting from the 31st day of the loan disbursement date, the overpayment is:
- from 4.4% to 18.9% per annum for salary clients;
- from 8.4% to 19.9% per annum for all other clients.
If personal insurance is declined, the rate may be increased by 5.6 to 18.6 percentage points depending on the amount.
Gazprombank borrowers can repay the loan early in full or in part. In order to make early payments, they must notify the lender in advance of their decision. The service is completely free of charge.
In the event of a delayed monthly payment, Gazprombank charges a penalty of 20% per annum for each day of delay. The penalty is charged on the principal debt amount, as well as on the interest for using the money.
Borrowers who meet the following requirements can get a universal loan for any purpose from Gazprombank:
- are citizens of the Russian Federation;
- have permanent registration or a place of actual residence on the territory of the Russian Federation;
- aged from 20 to 70 years old;
- have continuous work experience at their current job for at least three months.
To get up to 4 million rubles at Gazprombank it is enough to provide only a passport of a citizen of the Russian Federation. To get approval for over 4 million rubles, a document confirming income will also be required.
You can receive the universal loan in cash at a Gazprombank branch or onto a debit card.
Monthly payments are automatically debited from an account opened at Gazprombank. You can deposit money into it in the following ways:
- by transfer between your own accounts opened at Gazprombank;
- by transfer from cards of other banks;
- in cash through Gazprombank ATMs;
- in cash through ATMs of other banks;
- in cash through Gazprombank cash desks.
Abbreviated name: GPB Bank JSC
Tax status: 7744001497
BIC: 044525823
KPP: 997950001
Corr. account: 30101810200000000823
OGRN: 1027700167110
How to apply
You can apply for a universal loan either at a Gazprombank branch or on the credit institution's website. In the first case, you need to visit the company's office during business hours with the necessary documents. To apply online, you need to:
- click the "Apply" button on the website page;
- indicate your surname, first name, and patronymic, mobile phone number, and email address;
- check the box and click the "Next" button;
- enter the confirmation code from the SMS message;
- indicate the desired amount and term, check the box if necessary, provide passport details, permanent registration address and actual place of residence, and an additional mobile phone number;
- click the “Next” button;
- enter education, employment, and income information;
- click the “Next” button;
- indicate the city, receiving method, and code word;
- click the "Submit Application" button.
Rates
to a debit card
by transfer from cards of other banks;
in cash through Gazprombank ATMs;
in cash through ATMs of other banks;
cash via Gazprombank cash desks
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