Loans "Idea Bank": conditions, reviews. Early repayment of a loan in "Idea Bank"

Everyone wants to live beautifully and not in anythingrefuse. But financial opportunities are not always enough to purchase even the necessary things. And here comes the lending program to the rescue. The interest-rate loan is issued today by many financial institutions. Profitable loans in "Idea Bank" - an opportunity to improve the quality of life.

Basic information

This is a financial institution with a rich history.Today there are many proposals for lending. At the same time, “Idea Bank” cannot be called one of the leaders in this field in the domestic market. Despite this, the financial institution has many loyal customers who not only borrow money, but also sign deposit agreements.

The Federal Bank is actively developing today.In 16 regions of Russia, people have the opportunity to get a loan. The decision on the issue is made in minutes. To sign the contract requires a minimum set of documents.

Car loan

To purchase a vehicle, no longerneed to save the required amount over several years. All you need to do is to issue a loan in Idea Bank. Terms are completely transparent. Any citizen of Russia whose term of permanent registration exceeds 6 months can make a deal. Attention is paid to age characteristics. Idea Bank loans can be issued by citizens who at the time of signing the contract are 23 years old. It is important that at the end of the transaction the age of the client does not exceed 65 years.

The currency of the transaction - the ruble.This eliminates the possibility of reducing the benefits due to inflation. To draw up a contract, a minimum set of documents is required - a passport of a citizen of the Russian Federation, as well as a certificate of assignment of an identification code.

Under the proposed program loans "Idea Bank"can be designed for both new and used cars. It is important that the age of the vehicle at the time of the transaction does not exceed 10 years.

Lending terms

Every citizen has the opportunity to concludedeal for a period of 15 to 60 months. The maximum amount of the contract is 5 million rubles. There are restrictions on the minimum amount. A transaction of less than 100 thousand rubles is not concluded. Really profitable offers "Idea Bank" loans. Customer reviews show that the contract rate depends on several factors. The first is the amount of the initial payment. If you make at least 70% of the total amount of the cost of the car, the annual rate will be 15%. It is possible to make a deal without a down payment, and this is noted in the reviews as the most positive point. The rate will be 22% per annum.

The term also affects the cost of the loan.When making a deal for the maximum, it is worth counting on an increased percentage (from 20 to 25% per annum). Early repayment of a loan in Idea Bank is allowed. But this does not affect the rate established at the conclusion of the contract.

How to repay a loan in Idea Bank?

At registration of the contract, the manager issues to the clientseveral receipts in which details for debt payment are specified. The lending program in a financial institution provides for an annuity system of debt repayment in equal parts. Initially, a large amount goes to interest payments. With each payment, the amount of overpayment decreases.

It should be borne in mind that in other banks for services will have to pay more and commission.

Credit card

In the world of information technology, manyrefuse cash. Money can be stored in the accounts, and you can use them with a plastic card. Even in order to take money on credit, it is not necessary to fill out forms and for a long time to wait for an answer on the transaction in the office of a financial institution. Idea Bank loans are a time saver. In order to get a certain amount of debt, you will have to visit the office only once.

Credit card is absolutely free.Russian citizens who have reached the age of 21 years. To conclude a transaction, you must provide a passport, as well as a certificate on the assignment of an identification number. The loan amount will depend on the financial data of the client (salary, additional income) and will be from 10 to 100 thousand rubles.

Credit card features

Plastic cards are offered to customers.MasterCard international financial system. This means that you can withdraw funds anywhere in the world. Through ATMs of a network of partner banks, money can be withdrawn without commission. A credit card provides financial freedom both in the Russian Federation and abroad.

The base interest rate on the loan is20%. It can be reduced by agreement with the management of the financial institution. By concluding a transaction with the bank, customers receive additional bonuses in the form of free account maintenance, interest on the balance of their own funds. Online banking is also convenient for customers. Everyone can check the status of their account through their home computer or mobile application.

Reviews

Customers note that due to unstablethe economic situation in the country financial institution is going to meet. Those who cannot pay the Idea Bank loans on time should contact the nearest branch to resolve the situation. There are two options for solving problems. May be granted a grace period for payment of the loan. The amount of the minimum payment is reduced only for a certain period. Then you have to pay the debt at an increased rate.

Another option is to reduce the sizeminimum monthly payment. It should be borne in mind that the term of the contract will be extended. The decision on the possibility of changing the terms of the loan agreement is made on the basis of the documents provided confirming the deterioration of the client’s financial condition (health certificate, copy of employment record with a note of dismissal from work). Reviews make it possible to understand that the solution of the question is offered to almost everyone. Individual approach is a huge plus.