Many metropolitan borrowers are wondering where to get consumer loan from low interest rate in Moscow? Despite the wide choice credit products, only certain categories of borrowers can receive cash on such terms. Payroll clients and holders can count on a low interest rate pension cards and deposit owners. A bank client who has already applied for a consumer loan and has no arrears can also receive favorable interest conditions.

Taking into account all of the above, we can conclude that those borrowers who are able to prove their reliability to the credit institution can count on a low interest rate.

Which banks in Moscow offer low interest rates?

The huge number of capital banks sometimes creates a problem of choice even for the most experienced borrower. Let's look at just a few suggestions:

• . Offers consumer loans at a low rate of 15.9%. Maximum limit is 500 thousand rubles. Money can be borrowed for up to 5 years.
• . The interest rate is also 15.9% per annum. Money is issued for a period of up to 5 years, while credit limit ranges from 50 to 750 thousand rubles. The approval rate of applications upon first application is very high.
• . The financial organization offers its clients the opportunity to obtain a loan in the amount of up to 300 thousand rubles at 16.9% per annum. Maximum amount loan - 1.3 million rubles.
• . Borrowers can obtain a consumer loan at a low rate of 12%, with a loan term ranging from six months to 60 months.
• . Issues amounts up to 1 million rubles for a period of up to 5 years at a rate of 19% per annum.

By the way, get low rate You can use insurance for your loan. Some large banks may reduce interest if you have a life insurance policy. Such insurance must be issued for the entire loan term. A significant disadvantage of such a transaction is that the loan amount increases - the cost of the insurance policy is added to it.

If you want to get a personal loan at a low interest rate, it is worth engaging a financial guarantor. They can act as a spouse or legal entity. A loan secured by a guarantee is issued for more than favorable conditions.

First of all, we evaluate the attractiveness of a loan offer from any credit institution by the interest rate. Banks know this very well and lure us with another reduction annual interest. Indeed, the rate is the most important parameter of any loan, which affects its price (the final overpayment), but it is far from the only thing that we discussed in detail. You will learn more about what it is, about its varieties, and how you can influence it in this review.

Interest rate. What it is?

Interest rate is an amount expressed as a percentage of the amount of the loan issued, which the borrower pays for using borrowed money based on a certain time interval (day, week, month, year, etc.).

Usually we are faced with an annual interest rate, that is, the amount of overpayment for a year of using a loan, but we can often encounter a daily one. For example, any microfinance organization indicates the daily interest on the loan. But in essence, the interest rate on a loan (hereinafter referred to as the PV) is synonymous with the annual PV.

Just for fun, try a little experiment. Open any credit calculator(they are easy to find through any search engine: Yandex or Google) and calculate the payment schedule with the following loan parameters: amount - 100,000 rubles; term – 1 year (12 months); loan interest – 10%; type of payment - annuity. As a result, you will receive an overpayment of 5,499 rubles. Please note that this amount is not like 10% of 100 thousand (which is 10 thousand rubles), but much less. Why?

It's simple. The fact is that the payment schedule is designed for monthly repayments loan (we will talk about their varieties a little further). After the next repayment, the amount of debt (loan body) is reduced by monthly fee, after which interest is accrued on the balance of the debt, which becomes less and less every month. Because of this, the total overpayment will be lower than stated.

But if you paid the entire amount one time, you would have to pay 110 thousand. By the way, despite the fact that banks are more profitable with the second, one-time repayment option, any loan is repaid in installments and in most cases every month. This is done not only for the convenience of the client. Banks must see how timely the borrower fulfills its obligations under the agreement, and in case of non-payment, take timely measures.

What factors influence the interest rate on a loan?

There are many factors influencing the amount of interest on a loan. But the primary one is the size of the so-called key rate Central Bank RF. At the time of writing, it is set at 9%, but its value may change every quarter or even month, or may remain unchanged. It all depends on economic situation in the country.

The key rate of the Central Bank of the Russian Federation tells us that not a single bank offer with a lower annual interest rate can be a reality. And if you see bank offers with lower rates, then the financial institution probably included a lot of others in such products, which bring the amount of interest actually paid to the average market level.

Since the bank issues loans exclusively from borrowed funds, the level of annual interest is affected by:

• the value of current inflation;
• interbank lending rate (banks can borrow from their business colleagues);
• expenses for paying interest to depositors.

Types of interest rates

Depending on various variable factors and the method of setting, several types of rates are distinguished:

1. Fixed. A constant amount of interest on the loan, established by the agreement, which does not change over time and does not depend on the economic situation and other criteria.

2. Floating. Subject to periodic review in connection with changes in the key rate, inflation level and other events in the country’s economy.

3. Decursive. Interest payments are collected as a lump sum along with the principal debt at the end of the loan term. That is, in case consumer lending This type of annual rate is used.

4. Antisipative (or preliminary). Here the situation is exactly the opposite of the previous view. All interest is immediately charged at the time the loan is issued, and its amount is calculated based on total amount debt.

5. Current. A rate fixed on a specific date and valid only for those loans issued on that day. In a day, week, month, completely different annual interest rates will apply.

6. Forward. It is also fixed at a specific date, but is valid for all obligations that were formalized after its establishment. This rate is valid until the day its new value is fixed.

7. Adjustable and non-adjustable. Depends on influence government agencies(in particular, the Central Bank) on the size of the annual interest rate. Unregulated types are more often present in commercial banks.

8. Auction. These are the rates for loan agreements, which were issued through a tender for trading platform. Consequently, auction procedures had a direct impact on their value.

9. Banking. Annual interest rate on loans issued to direct borrowers (companies and individuals). Set directly by the financial institution.

10. Nominal. Based on current analysis assets of a banking institution without taking into account market processes. Based on this indicator, rates are calculated for each interest period.

11. Real. Nominal size rates adjusted for price fluctuations.

The catch of a loan with a low interest rate or how to find out the real annual interest rate

We have already said that not a single loan issued by banks can cost less than the borrowed banking resources. Who would work at a loss? Certainly not a bank! Money, in fact, is the same commodity, for the use of which you have to pay.

Advertisements and ongoing promotions will always talk about the minimum possible lending rate that exists in the bank, because the first thing a financial institution needs to do is attract a client. And only then be able to retain it and sell your products. Therefore, when applying for a loan “at 12% per annum”, you will most likely find out that this rate applies to preferential categories (salary clients, pensioners, etc.) and most often applies to short-term types loans (up to a year) - usually the so-called ones have minimum rates (for their own).

For your needs and capabilities, the bank will also have a “very advantageous” offer with an annual interest rate of, say, “from 19%.” Do not rush to agree, study the offers of competitors.

Another advertising trick is camouflage. Often the bank tries to “hide” the real interest rate on a loan among many additional services and associated fees. As a result, the client will be informed minimum percentage per annum, but he will find out about the rest of the “surcharges” later. As they say, there will be a surprise.

When we talk about the real rate, we mean the so-called effective interest rate (although since 2008 it is no longer called that), which reflects the (TPC). The PSC, in accordance with the law, must be indicated in large font in a black frame at the top right of the first page loan agreement. It includes all the costs of servicing the loan taken, and is, in fact, the price of the loan. It is by this parameter that it is necessary to compare offers from different banks. By the way, PSK in mandatory indicated as an ANNUAL rate.

And one more nuance - look for the word “annual” in any sentence. You can often see an advertisement that a financial institution offers loans at “only” 2%, but next to it in small letters it will be written “per day.” As a result, such a loan will cost at least 730% per annum. And this is real robbery, which has a more streamlined name - usury.

Read about which loan is the most profitable.

Overpayment calculation

The amount that ultimately has to be paid to the bank also depends on the type of payment for it - it can be differentiated or annuity.

With a differentiated repayment scheme, the loan body is divided into equal parts, depending on the expected number of payments (this can be found in the payment schedule). To each equal part the interest accrued on the debt balance is added, which will be maximum on the first payment and minimum on the very last. Thus, the payment amount will decrease every month.

The annuity scheme divides all payments equally. Interest is also accrued on the balance of the debt, but the share of the repaid loan body in the first payments will be minimal - the main part of the payment will be interest on the loan. Thus, first you will pay off the interest, and then you will pay off the principal debt.

You can read about the advantages and disadvantages of each repayment scheme in, let’s just say that banks mainly use the annuity scheme.

To calculate monthly payments, the following formulas are used (especially for those interested):

You can see the total overpayment in the payment schedule issued by banks as an integral part of the loan agreement, or calculate it in a loan calculator on the bank’s website or on another Internet resource.

How to reduce the interest on a loan?

Whatever the annual interest rate on the loan, there is always a chance to reduce it. To do this, you must meet all bank age requirements, work experience and size of income, and also be ready to provide additional documents. If you receive wages on salary card, then you have every chance of getting a loan preferential conditions, the same applies regular customers bank and depositors, although credited in the same financial institution, in which you have an open deposit is not recommended (if the bank loses its license, the deposit will not be returned to you until you repay the loan).

You can also use the “services” of a guarantor, or take out a secured loan.

Universal advice: if you want banks to always treat you loyally, then from the very beginning of your “ credit life»be a disciplined borrower, fulfilling your obligations under the contract in a timely manner, and do not allow your credit history to deteriorate. It's easy to ruin it, but harder to fix it.

Various lending programs help borrowers in a variety of life situations. For solutions financial problem you need to take out a loan by contacting one of the banks in Moscow. On the federal portal Vyberu.ru you will find a list of credit institutions where you can get a cash loan in Moscow. Currently, information about 180 banks providing similar services. The total number of programs collected on the site reaches 823.

Bank loans in Moscow differ in terms and requirements for the borrower, so you should carefully study all offers and carefully read the terms of the agreement. The site Vyberu.ru will help you find out all the points of any program and compare suitable options according to a number of defining parameters. After this, you will be able to make an informed decision about which loan (for example, a consumer loan) to take and which bank in Moscow to apply for it. Complete your application without leaving your home.

How to use the loan calculator?

Enter the amount, repayment period and rate into the loan calculator - you will immediately receive a payment schedule and total cost credit product.

How to apply?

If you are planning to take out a loan that interests you, find out the bank's decision online. To do this, click “Apply” in the tab of the product you need.

In the online application form you will need to provide the following information:

• Full name of the borrower;
• contact phone number and email;
• availability of permanent income employment;
• monthly earnings level.

Also choose how you plan to receive money: to an account, card or cash. The bank manager will tell you the answer. If the decision is positive, agree on the time of your visit to the office and the list of documents that will be required to apply for and take out a loan.

How to find a profitable loan?

Compare the interest rate level and other conditions of programs of various organizations to choose the best option for a targeted or consumer loan. Using the service of our portal, you can determine a profitable program quickly and effortlessly. Use the filter system and set the amount, currency and loan repayment period you need. Click “Select a loan” so that only those offers that match your request remain on the page.

You can choose sorting banking products according to the following criteria:

• loan amount;
• interest rate;
• the name of the financial organization.

Use the quick search buttons to sort loans according to a specific criterion: the need for collateral, the ability to get a targeted or consumer loan in cash, programs for clients with poor credit history.

In addition, you can rank banks by their reliability - select the top 10, 20, 50 or 100 tab financial organizations. To see all filters, click "Loan Terms".

The question of which bank can get a truly profitable loan worries all future borrowers - especially now, in 2018, when the diversity credit programs it's just off the charts.

To decide where you can get money on favorable terms, you should first look on the forums for reviews of people who have already collaborated with banking organizations in Moscow. This will allow you to consider credit programs from the point of view of lived experience, see their pitfalls, understand which bank is better to apply for, say, a consumer loan, and where it is more profitable to take a cash loan - and then select several options for more detailed study.

One of the “hottest” points when choosing a loan program is the interest rate. To decide at what percentage to issue a loan, the bank evaluates the client according to all parameters: age, income, place and length of work, presence of expensive property, and so on. Some banks offer special conditions pensioners or people receiving wages through their system. The more reliable the client’s “dossier” looks, the lower the rate.

! The amount and period of repayment are also of great importance - the larger they are, the higher the percentage. The presence of a guarantor or collateral, on the contrary, can reduce the loan rate.

Another important topic is the list of documents that a bank client needs to receive funds. A loan of up to 150,000 rubles is quite easily issued with a 2-NDFL certificate. And for larger amounts - up to 500,000 rubles - you may additionally need a work book plus another official document - for example, SNILS, foreign, INN, and so on.

It would not be superfluous to clarify these points:

• Does the bank give the client the opportunity to repay the loan early;
• How can I make loan payments?
• What are the penalties for late payments?
• How long has the bank been operating, is it considered reliable;
• Does the bank have special programs for your purposes.

To make the final decision where to get the most favorable loan, the most convenient way is to submit applications to all pre-selected banks in Moscow, and then compare the conditions that they will offer specifically to you.

And most importantly, always thoroughly study all clauses of the contract without exception! Paying attention to detail can save you a lot of trouble.

Consumer loans at a minimum interest rate

Today, banks are gradually reducing interest rates on consumer loans, but they are doing this extremely reluctantly. For example, some credit institutions advertise minimum rates in an attempt to attract customers. But in reality they issue loans against large percentage, reducing it to the declared value only a few months after the money is issued.

This strategy can be considered a cunning trick of bankers, but on the other hand, for many individuals, for example, for those who cannot boast of an ideal credit history, this is a good opportunity to borrow money long term with an acceptable rate. Agree, many of us, having been refused a loan from large state banks, are ready to overpay slightly for a couple of months, but then repay the loan for several years at a low rate. In addition, this is a chance for clients with a bad credit history.

It should also be noted that many banks today require borrowers minimum package documents and even issue consumer loans using only a passport. If you provide a certificate of income and a copy of your work book, you can borrow it from the bank under low percentage Very a large sum and for a long time.

10 consumer loans with low interest rates

Here we have collected best deals banks in Moscow, St. Petersburg and other cities of the country, where today you can take out a consumer loan on favorable terms. The percentage will be low, but the probability of approval will be loan application– high.

Loan for any purpose at Otkritie Bank

Today you can get from 50,000 to 5 million rubles from Otkritie Bank, with no collateral or guarantee required. Funds are issued for a period of 24 to 60 months, that is, from 2 to 5 years. A decision on the application is made within 15 minutes to 2 working days. The only restriction is that the funds received cannot be spent on business-related purposes.

Who can get the money

What documents are needed

Easy loan from Gazprombank

Gazprombank today offers loans from 50,000 to 3 million rubles. Funds can be borrowed for a period from 13 months to 7 years. IN in this case To receive money, you do not need to involve guarantors or leave anything to the bank as collateral. The loan is issued without collateral.

Who can get the money
Age from 20 years; experience of 3 months.

What documents are needed
Passport + 1 document + Confirmation of income.

Raiffeisenbank loans

At Raiffeisenbank today you can get a loan for any purpose without collateral or guarantors. Up to 500,000 rubles can be borrowed with just two documents. All you need is a passport and income certificate. If you ask for a large amount, you will have to carry a copy of the work permit. Citizens of the Russian Federation can receive a loan, except individual entrepreneurs, aged from 23 to 67 years.

Who can get the money
Age from 23 years; experience of 3 months.

What documents are needed
Passport + Proof of income.

Cash loan from Home Credit Bank

A consumer loan from Home Credit Bank can be obtained without collateral or guarantors. There is also no issuance fee. Those who have already borrowed from Home Credit Bank can count on an amount of 1 million, and new clients will be offered to first borrow up to 500,000 rubles for a period of up to 5 years. The package of documents is minimal: the loan is issued according to your passport. But you can also provide SNILS, and for pensioners - a certificate from the Pension Fund. Citizens of the Russian Federation under the age of 70 who have a permanent source of income can apply.

Who can get the money
Age from 18 years; experience of 3 months.

What documents are needed
Passport + 1 document + Confirmation of income.

Alfa-Bank loans

Today you can take out a loan from Alfa-Bank without commissions or guarantors, and the rate does not depend on the availability of insurance.

Citizens of the Russian Federation aged 21 years and older can receive the money. It's important to have fixed income from 10,000 rubles after deducting all taxes and continuous experience from 3 months.

Who can get the money
Age from 21 years; experience of 3 months.

What documents are needed
Passport + 1 document + Confirmation of income.

Sovcombank loans

Sovcombank has many loan programs for obtaining money for various purposes. Using your passport, you can take out a loan in the amount of up to 40 thousand rubles. And you can get up to 30 million rubles using real estate as collateral. An important advantage of Sovcombank is that pensioners up to 85 years of age can get a loan here, and no extra certificates or documents are required.

From 8.9%	Min. bid
Up to 100,000 rub.	Max. sum
	Max. term

Who can get the money
Age from 20 years; experience of 4 months.

What documents are needed
Passport + 1 document + Confirmation of income.

Loans from Renaissance Credit Bank

At Renaissance Credit Bank you can receive money on the same day of application. The bank is most likely to approve a loan to clients aged 25 to 70 years, who can confirm their employment with a copy of the work book certified by the employer, or employment contract. It’s good if the borrower has an income of more than 8 thousand rubles per month.

Who can get the money
Age from 24 years; experience of 3 months.

What documents are needed
Passport + 1 document.

UBRD loans

The Ural Bank for Reconstruction and Development is registered in Yekaterinburg, but its offices are in many cities of Russia: in Krasnodar, Nizhny Novgorod, Kazan, Samara and others. You can take out a loan from UBRD by providing only a passport and income certificate. Clients aged from 21 to 75 years with a total work experience of 12 months, 3 of which were at their last place of work, can receive money. By the way, UBRD has a special product for older people - the “Pension” loan. Pensioners can receive money only with a passport.

Who can get the money
Age from 19 years; experience of 3 months.

What documents are needed
Passport + 1 document.

Loans from OTP Bank

OTP Bank today provides the opportunity to issue cash loans to individuals on favorable terms. Depending on the client’s needs, the credit manager will select the most suitable lending option. Applying for a loan at OTP Bank is possible in just 15 minutes. Citizens of the Russian Federation aged 21 to 68 years, including pensioners and individual entrepreneurs, can apply for money.

Who can get the money
Age from 21 years; experience of 3 months.

What documents are needed

Low interest loans from Vostochny Bank

At Vostochny Bank you can get the necessary amount of money without unnecessary certificates and other documents. A loan in the amount of up to 1 million rubles is issued according to your passport, the application is processed quickly, and the rate is quite low.

A consumer loan from Vostochny Bank can be provided to any employed citizen of the Russian Federation aged 21 to 76 years with at least 3 months of work experience at their last place of work.

A loan for a larger amount - up to 30 million rubles - can be obtained from Vostochny Bank using real estate as collateral. The loan is issued for a period of 15 years, and the interest rate in this case will be minimal.

Who can get the money
Age from 21 years; experience of 3 months.

What documents are needed
Passport + 2 documents + Confirmation of income.

Loan calculator: calculate payment online

How to get a consumer loan at a low interest rate

✓ First, contact the bank where you are a payroll client. If you receive a salary on a Sberbank card, then first of all go there for money if you payroll client VTB – then act accordingly. In your “native” banks, you will most likely receive lower interest rates and a minimum package of documents.

✓ Secondly, don’t get hung up on one bank. Consider several options. Apply to multiple places at once. Believe me, each bank will offer you its own interest rate and you can choose the best option.

✓ Thirdly, don’t be lazy to collect more documents. Many banks today issue cash loans without proof of income, and sometimes only with the passport of a Russian citizen. This is convenient, but the interest in these cases is unlikely to be minimal. To get a really low rate, confirm your financial solvency with documents: a certificate in form 2-NDFL and a copy of your work record book.

Do you know that…

A loan today may be denied due to a high personal income tax

Before applying for a loan, try to at least approximately calculate your Debt Load Index (DLI). It represents the ratio of monthly loan payments to the client’s total income, confirmed by documents.

Today, all banks and microfinance organizations must necessarily calculate the personal income tax of each client who plans to borrow more than 10,000 rubles. If it is high, then the money will most likely be refused.

How to calculate PDN

Banks and microfinance organizations use quite a lot of complex formula. But you can roughly calculate your PDN yourself. To do this, you need to divide the monthly expenses for all loans by income.

PDN = (all loan expenses for 12 months / official income for 1 year) × 100%

If you pay more than half of your income to repay loans, then such a personal income tax is considered high and a new loan may not be given.

To increase the likelihood of loan approval:

✓ Repay existing loans as much as possible;

✓ Reduce credit card limits;

✓ Provide documents to confirm income received other than at your main place of work;

✓ Find a co-borrower with a high income.

How to assess your strengths before getting a loan

Before applying for a loan, it makes sense to conduct an experiment, that is, try to live for at least a month on the money that will remain after making the loan payment.

This is what the First Vice President advises. self-regulatory organization(SRO) "National Association of Professional collection agencies"(NAPKA).

This way you can understand whether it’s realistic to live on what’s left after the payment. monthly payment amount or not.

Ideally, loan payments should not exceed 30-40% of income.

Please note that the above conditions and interest rates on deposits of individuals are not a public offer.