The number of loan offers is increasing every year. One of the key criteria on the basis of which borrowers choose the best loan is the interest rate.
It is necessary
Description of the credit programs of banks
Instructions
Step 1
It is impossible to unequivocally point out the bank that offers the lowest interest rates on loans. It all depends on a number of factors. So, the amount and term of the loan are taken into account; availability of collateral and guarantors; borrower's credit history; availability of a salary card at the bank; lending purposes. In most cases, banks indicate the minimum interest rate on the loan. At the same time, it is noted that its size is determined on an individual basis. Therefore, a low interest rate is often only a marketing ploy and is approved by a limited number of people.
Step 2
Interest rates on loans are approximately the same in almost all banks. They amount to +5 p.p. from the current refinancing rate (8.25), i.e. from 13%. But for certain categories of citizens, banks provide preferential conditions.
Step 3
As a rule, the most advantageous loan offer can be obtained from the bank where you receive your salary. Banks are always most loyal to such borrowers, because they are more transparent in terms of analyzing financial stability. Salary clients can often count on a reduction in interest rates of up to 1-4% compared to the general conditions.
Step 4
More favorable offers at interest rates refer to targeted loans. In this case, the client does not receive cash in his hands, and the money is sent directly to pay for goods and services. For example, you can purchase goods in this way at Leto Bank (I choose loan, rate from 10.48%), Cetelem Bank (loan “No overpayment”, rate from 6.9%), pay for treatment at Center-Invest (loan “No security”, rate from 12%).
Step 5
Low interest rates have been established in a number of banks for borrowers who plan to get an education with credit funds. For example, Sberbank and Gazprombank have educational loans with a rate of 12%. In Rosintrerbank, you can get a loan for business education with a rate of 10%, and for higher education - from 11%.
Step 6
Today certain categories of borrowers can take advantage of the privileges in the form of reduced rates. So, in Svyaz-Bank there are credit programs with a rate of 12.9% for state employees, in Gazprombank - for military personnel and workers in the gas industry (from 13%).
Step 7
A number of banks have joint loan programs with car manufacturers. For example, in Rusfinance Bank loans for the purchase of a Fiat car are issued at a rate of 6.9%, in UniCredit Bank soft loans with a rate of 5.9% apply to Subaru brands.
