Car-secured loan at Gazprombank

At Gazprombank, you can take out a consumer loan secured by real estate. Its terms are more favorable than those of a standard cash loan. Borrowers can receive from 500 thousand to 30 million RUB for a term of 4 to 20 years.

The minimum interest rate here is 15.8% per annum, and the maximum is 23.8%. This overpayment rate applies only when purchasing voluntary life and health insurance. If you decline financial protection, Gazprombank increases the interest rate by 1.5-5.1%.

At the same time, payroll clients of Gazprombank are offered a discount of 1-2% per annum.

At Gazprombank, as with any other credit institution, early repayment of the loan is possible. To close the loan ahead of the schedule established by the loan agreement, you must pay the principal debt and the interest accrued for the actual days of using the borrowed funds.

To close the loan early, you must notify the lender of your intention in advance. In this case, the bank will recalculate the loan based on the new terms and, on the specified date, fully write off the amount required to close the debt.

In case of a payment default, the credit institution charges a penalty. Its amount is 20% per annum of the overdue debt amount. It should be remembered that a default leads not only to a fine, but also to a deterioration of your credit history, a potential demand by the bank to close the loan early, and debt collection through the Federal Bailiff Service (FSSP).

Getting a real estate-secured loan from Gazprombank is quite simple. The credit institution imposes the following requirements on its borrowers:

• Russian citizenship;
• permanent registration or place of actual residence within the territory of Russia;
• age from 20 to 70 years;
• work experience at the current place of work from 3 months.

The real estate, like the borrower, must meet the bank's requirements:

• location within the territory of Russia;
• free of encumbrances and arrest;
• it must not be registered for major repairs or demolition;
• presence of heating, water supply, electricity, and sewerage;
• the foundation must be concrete, reinforced concrete, stone, or brick;
• walls must be stone, brick, or reinforced concrete;
• floor slabs must be concrete, reinforced concrete, or brick.

The housing must not have been purchased using maternity capital. It also must not be dilapidated.

As for documents, to apply for a consumer loan secured by real estate at Gazprombank, you must provide:

• passport of a citizen of the Russian Federation;
• certificates confirming income and place of work;
• extract from the Unified State Register of Real Estate (EGRN).

Additionally, Gazprombank may request a certificate from the Pension Fund of Russia confirming that maternity capital was not used, and the consent of the borrower's spouse to pledge the real estate property (or a document confirming that such consent is not required).

You can receive the consumer loan only by crediting it to a debit card from Gazprombank.

Loan repayment occurs via automatic debiting of monthly payments from the bank card to which the loan funds were transferred. You can top up the card in any way:

• in cash at cash desks and ATMs of Gazprombank and third-party credit institutions;
• by transfer between your own accounts;
• by transfer from cards of other banks.

Abbreviated name: GPB Bank JSC

Tax status: 7744001497

BIC: 044525823

KPP: 997950001

CORR. ACCOUNT: 30101810200000000823

OGRN: 1027700167110