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Cash loan at Russian Standard Bank
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Articles about loans
About the loan
With a consumer cash loan, borrowers can pay for important purchases here and now without having to save up their salary for months. Thus, they can spend borrowed funds on medical treatment, vacations, home repairs, education, and much more.
Terms
At Russian Standard Bank, borrowers can apply for a consumer cash loan ranging from 30,000 to 1,000,000 RUB for a term of 12 to 60 months. With personal insurance, the minimum interest rate is 6.9% per annum, and the maximum is 21.9%.
If you opt out of financial protection, the overpayment depends on the loan amount:
- for loans from 30,000 to 300,000 RUB, the interest rate is 35% per annum;
- for loans from 300,000 to 1,000,000 RUB — 29% per annum.
Russian Standard Bank clients have the option of full or partial early repayment. To deposit the amount for closing the loan, you must notify the bank of your intention in advance, prior to the next scheduled monthly payment date.
In case of a delayed monthly payment, Russian Standard Bank charges a penalty. Its amount is 0.1% per day of the principal debt amount plus interest accrued for the actual time the money was used.
Borrowers who meet the following requirements can obtain a loan from Russian Standard Bank:
- citizenship of the Russian Federation;
- having permanent or temporary registration in the bank's region of operation;
- aged from 21 at the time of loan application up to 70 at the expected end date of the loan agreement.
To get a loan from Russian Standard Bank, you must provide a passport of a citizen of the Russian Federation and a second document of your choice:
- A INSURANCE NUMBER (SNILS);
- a international passport;
- a driver's license;
- pension certificate.
You can receive the borrowed funds to a bank account or a debit card issued by Russian Standard Bank.
Monthly payments are written off automatically from the credit account. You can top it up in the following ways:
- by transfer between your own accounts opened at Russian Standard Bank;
- by transfer from cards of other banks;
- in cash via Russian Standard Bank ATMs;
- in cash through ATMs of other banks;
- in cash via Russian Standard Bank cash desks, and so on.
Short name: JSC "Russian Standard Bank"
Tax ID (INN): 7707056547
BIC: 044525151
KPP: 771901001
Correspondent account: 30101810845250000151
OGRN: 1027739210630
How to apply
You can apply for a loan in two ways: at a Russian Standard Bank branch or on the credit organization's website. In the first case, you need to visit the company office during business hours with the required documents. To apply for a loan online, you need to:
- click the "Fill out application" button on the loan page of the website;
- indicate the desired amount and term, last name, first name, patronymic, date of birth, gender, mobile phone number, and email address;
- click the “Next” button;
- enter the confirmation code from the SMS message;
- provide passport details, permanent registration address and actual residential address;
- click the “Next” button;
- specify employment and income details;
- click the “Next” button;
- provide information on marital status, education, an additional contact phone number, an alternative phone number, and the loan disbursement location;
- click the “Next” button.
Rates
To a bank account
by transfer from cards of other banks;
in cash via Russian Standard Bank ATMs;
in cash through ATMs of other banks;
in cash through Bank Русский Стандарт cash desks and so on
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