Alfa-Bank is considered one of the most reliable Russian banks, which is confirmed by its high ratings. In the European part of Russia, it has many branches and a wide network of ATMs, including those belonging to the banks cooperating with it. This bank has several lending programs for individuals, which are quite attractive, if you believe the advertisements.
Instructions
Step 1
For those who are going to take out a bank loan, there are two news. The first is bad: it should be borne in mind that recently, due to the increasing share of non-performing loans, all Russian banks are revising their requirements for borrowers and are refusing to automatically issue loans “on demand”. The second piece of news is good: by increasing the reliability of borrowers, banks are going to slightly lower interest rates on loans by reducing the risk of defaults. So, if you consider yourself a reliable borrower and you have no overdue loans from other Russian banks, it is highly likely that you will be able to get a loan from Alfa-Bank.
Step 2
The most affordable loan that Alfa-Bank provides to individuals is "Consumer". It can be issued at any branch of the bank or in stores at points of sale with the consultants of this bank. In this case, the borrower is presented with a minimum of requirements: he must be a citizen of the Russian Federation, work at the last place of work for at least 3 months and the age for women must exceed 19 years, for men - 20. In addition, the place of residence and place of work must be in the city where you are applying for a loan or in the immediate vicinity of it. All you need to do is show your passport, after which, within a few minutes, the information provided will be checked and the consultant will inform you of the decision. When it is positive, the money will be credited to you in a specially opened current account, if you do not already have a current account with this bank. You can borrow money for a period of up to 3 years, the minimum interest rate declared by the bank on this loan is 14%.
Step 3
Alfa-Bank provides three more consumer loans that you can get in cash - "Fast", "Cash" and "Ten". As in the first case, no collateral is required, but in order to receive a cash loan, you will need to submit a certificate of wages in the form of 2-NDFL, and to obtain a Ten loan, you will need to make an advance payment of 10%. The minimum rate on the “Fast” loan provided in the amount of 250 thousand rubles without collateral and guarantors is 37%, on the “Cash” loan - 16.99%, it can be issued for a period of up to 5 years and for an amount of up to 1 million rubles. The "Ten" loan is issued for 10 months, the interest rate is 37%, the maximum amount is 1 million rubles.
