Consumer loans with a low interest rate in Moscow in 2020 can be obtained both in large federal networks and in small banks. Low rates are set according to regular programs and often have certain restrictions. Often refer to seasonal offers to attract new customers as part of loyalty programs.

Terms of loans at low interest rates in Moscow

Loan under low percentage in Moscow makes it possible without certificates, additional documents become the owner of the required amount. When analyzing the data provided by the borrower, the following is taken into account:

• experience of interaction with other financial institutions;
• age of the potential client;
• presence of arrears on previous loans;
• presence of experience.

If all the conditions of the Moscow bank are met, you can count on the lowest interest rates. Advantageous offers with cash withdrawal may also apply to certain categories:

• pensioners;
• civil servants;
• the youth;
• large families.

With a low interest rate in Moscow, they are often issued for a period of one year or more. The exact period depends on the client's request.

How to get a loan at a low interest rate in Moscow?

You will find a loan at a low interest rate in Moscow on our website. Use filters to sort offers based on specified criteria. All that remains is to send an online application to the selected one. Try to fill it out as accurately as possible to guarantee a positive decision.

You can get a loan in Moscow at large bank with a long history or in a small institution. Money can be issued in cash or by crediting to. In 2020, more favorable interest rates in the first case. Individuals have the opportunity to independently select a program taking into account requirements, amounts and deadlines.

Consumer loans to individuals

In 2020, decisions are made quite quickly whether to approve or refuse to issue money. The most popular are ruble loans. They can be issued:

• on the day of application.

You can take out a consumer loan in Moscow for any purpose, and you can easily increase your chances of approval by choosing insurance and providing a certificate in the bank’s form.

Consumer loan rates in Moscow

They are selected individually taking into account:

1. the identity of the applicant;
2. places of work;
3. credit history;
4. availability of repayable loans from other banks.

Interest rates on consumer loans in Moscow can be reduced if you use. Large Moscow banks often meet halfway requirements for clients who have previously issued credit cards. Interest rates also depend on the maturity of the debt. Basically they range from 6 months to 5 years.

Methods for applying for a loan: online or at a bank in Moscow

Most people prefer . It can be:

• fill out at any time of the day;
• send to several banks in Moscow at once;
• choose Best offer among institutions.

Which bank is better to take out a consumer loan?

Required It’s quite easy to find a loan in Moscow using our website. You can easily choose if you compare interest rates, terms and maximum limits. For convenience, it is provided. With its help, you can not only sort offers according to certain parameters, but also study the most current offers. A loan for consumer needs in Moscow is easy to obtain after completing an online loan application.

If there is a need to take out a loan from a financial institution, you need to study many conditions and offers in order to determine which bank is more profitable to take out a loan in 2017-2018. Let’s consider the main selection criteria and current offers from banks, and also clarify the specific conditions through which the terms of the loan program can be optimized.

Cash loan offers from banks

Having determined the list of institutions to which a citizen meets the requirements as a borrower, you can study which bank to take favorable loan on more interesting terms. First, you need to compare offers in terms of amounts and terms to assess your capabilities regarding the monthly payment. Today the following offers are available for unsecured consumer loans:

• Sberbank: up to 1.5 million rubles up to 5 years;
• VTB 24: up to 3 million rubles up to 5 years;
• Alfa Bank: up to 1 million rubles up to 3 years;
• Raiffeisenbank: up to 1.5 million rubles up to 5 years;
• Uralsib Bank: up to 1 million rubles for up to 5 years (or up to 7 years - on an individual basis);
• Stibank: up to 2 million rubles up to 5 years;
• Sovcombank: up to 400 thousand rubles for up to 3 years;
• Rosselkhozbank: up to 1 million rubles up to 5 years;

Considering a regular consumer loan in 2018, which bank is more profitable to apply for depends on the client’s needs. For example, if you need an amount of about 1 million, but the client cannot return such an amount in three years due to income restrictions, he will need a program designed for 5 years. Therefore, Alfa Bank and Sovcombank need to be crossed off the list.

Using the same principle, it is worth assessing the minimum loan limits. Typically, the request starts from 20-40 thousand rubles, but there are also programs whose lower limit is located at around 100 thousand rubles. Minimum term interaction on debt repayment is limited to an average of 3 months. But some institutions are not ready to enter into an agreement for less than a year (Alfa Bank, Raiffeisenbank).

Which bank can you get the best cash loan in 2018?

Basic requirements for clients

When assessing which loan is the most profitable in 2018 and in which bank, you need to first evaluate your characteristics to ensure they meet the requirements for borrowers. They differ for all institutions, but the minimum set can be expressed as follows:

When studying the requirements for favorable loans in 2018, which bank to choose depends on the amount of income. Some of them are ready to cooperate only with clients who receive a certain level of income. For example, from 10 thousand rubles in Alfa Bank or from 15 thousand rubles in Raiffeisenbank (25 thousand rubles for Muscovites and St. Petersburg residents), from 30 thousand rubles in Citibank.

Features of interest calculation

The size of the offered rate is the main point that needs to be assessed when choosing which bank is profitable to take out a cash loan. The parameters declared by institutions in 2018 are averaged. The final indicator is revealed only when calculating the individual characteristics of the client. Today offers for banking programs look like this:

• Sberbank: from 17.9%
• VTB 24: from 17-19%;
• Alfa Bank: from 23.99%;
• Sovcombank: from 26.9%;
• Rosselkhozbank: from 22.9%;
• City Bank: from 25%;
• Uralsib: from 22.5%;
• Raiffeisenbank: from 17.9%.

Having assessed the criteria declared by banks, it is enough to simply understand which bank favorable interest rate on loan. But many of them provide additional conditions, due to which the indicator changes towards decreasing or increasing.

The most common additional requirement is related to the purchase of a life insurance policy. If available, the rate is reduced by 0.5-1%. There are also opposite situations, for example, in Rosselkhozbank in 2018, an increase of 4.5% is provided for clients without a policy. Therefore, it is necessary to conduct a more detailed analysis of the accrual conditions in the selected institution.

There are developments to reduce rates for compliance with certain conditions. For example, at Uralsib Bank you can get a 1% discount if you submit an application through the website and not in person. Renaissance Bank and some others offer discounts if the applicant has a positive credit history.

Package of documents

The last thing you need to find out in order to find out exactly which bank has the most profitable loan in 2018 is the mandatory list of documents to be completed. The standard list looks like this:

• Passport;
• Labor book;
• Personal income tax-2.

If a guarantee is used, similar papers are required from the guarantor. With the collateral program, documents are required on the ownership of housing and describing its characteristics.

Some institutions provide for registration without the mandatory provision of a certificate. In this case, additional proof of identity will be required, for example, rights, pension or SNILS. Such conditions are possible at Sovcombank.

In some cases, it is allowed to replace the certificate with a document that will help explain the client’s level of solvency. Documents for the car you own, a foreign passport with a note about a trip in the recent past, medical insurance voluntary insurance and so on.

Having chosen which is the most profitable cash loan and which bank is best to take it from, it is worth assessing one more criterion: the procedure for receiving money and the features of debt repayment. Sometimes, to get a loan, you need to open an account. Here it is worth clarifying whether its service will be paid. You can also order a loan to an existing account at this institution. But sometimes there are situations when the bank transfers the permitted amount only to another account financial institution, where the client has an account. If you need a loan in cash, then you should find out the tariff for this procedure. Mostly it is free if performed in a bank department, but may be limited in size.

Take out a secured consumer loan

If it is necessary to request a very significant amount that is not included in the specified ranges, which bank offers a favorable consumer loan depends on the ability to provide collateral or security.

For example, in Sberbank, with the help of a guarantor, you can request twice the amount - up to 3 million rubles. In this case, the income of the selected guarantor will participate in the calculations and will help to obtain a positive answer if the borrower’s salary is not so high.

Bail programs in each institution are individual and offer different conditions. Here it will not be possible to determine which bank is profitable to take out a loan from. It all depends on whether the applicant has a suitable collateral:

• Sberbank: a private house, plot, apartment, garage, town house, etc. real estate.
• Rosselkhozbank: any liquid property of the applicant, co-borrower or guarantor, incl. legal entities.
• Sovcombank: a car not older than 19 years, not pledged and not participating in the car loan program.
• Orient Express Bank: apartment, Vacation home, commercial real estate.
• Lokobank: car not older than 16 years.
• Ural Bank for Reconstruction and Development: a car no older than 6 years (for foreign models - 8 years), not used for profit.

Collateral programs are distinguished by very significant amounts: up to 10 million rubles in Sberbank, up to 15 million rubles in Rosevrobank, up to 9 million rubles in Raiffeisenbank.

You can only request an amount within the cost of the proposed object minus 20-40%, which takes into account depreciation, price changes during such a long interaction and the possibility of quick implementation. Debt repayment periods are already limited to 10-20 years.

To identify the most profitable loan and which bank is best to request it from, it is worth comparing the most basic parameter that affects the amount of overpayments - the interest rate. By the way, for programs with a guarantee or collateral, it is usually several points lower due to the presence of confirmation of the client’s solvency in in full compared to the loan amount.

Advantageous loans in 2018

Separately, it is worth noting that clients who receive wages on bank card you can take out the most favorable loan from the bank from which they receive accruals from the employer in 2018. You can contact your institution to find out about availability. special conditions for payroll clients on loans. Typically, they are expressed in an accelerated application review procedure, a smaller package of documents and a more interesting rate:

• Sberbank: from 15.9%;
• Alfa Bank: from 16.99%;
• Rosselkhozbank: from 15.5%;
• Uralsib: from 17%;

Some institutions are developing individual programs with loyal conditions for employees of partner companies.

Similar favorable loans are offered to pensioners, in which banks they receive payments. For example, Sberbank offers a 2% discount, receiving a response upon request on the day of application and processing only with a passport and pension.

Many institutions are developing special programs for senior citizens. For example, at Sovcombank it is Pension Plus at a rate of 19.9%. For this category, not only a reduced rate is provided, but also fewer restrictions on the amount requested. For most programs, senior citizens do not need to explain the amount of their income and can go through the entire procedure only with a passport.

Conclusion

When choosing which bank to take out a profitable loan in 2018, it is advisable to choose one to which you can make payments in several ways: through terminals, transfers from cards, through intermediaries (Svyaznoy, Gold Crown), transfers through post offices or other banking structures. The more options, the less likely encounter problems with payment.

Unfortunately, economic situation in our country has left much to be desired for a long time. Every person has needs. But the means to satisfy them are not always available. That’s why many people decide to take out a loan. However, this is a serious decision. So people have to carefully look for a financial institution that offers the most favorable loan conditions. Only after comparing several options can you understand which one to take out a loan from.

Clear leader

This financial institution offers several Take, for example, consumer. It can be issued at Sberbank even without collateral. The maximum amount is 1,500,000 rubles, the rate is from 16.9%, and the term can reach five years.

More favorable conditions are offered to people for whom he can vouch. individual. Then the possible loan amount increases to 3,000,000 rubles, and the interest rate starts at 13.9%. Only the deadline remains unchanged.

Many people, wondering what better than a jar take out a loan, they like to make preliminary calculations so that the potential benefits can be seen. Well, we can give an example. A person with an income of 60,000 rubles per month, receiving a salary on a Sberbank card, has the opportunity to take about 640,000 rubles for two years. For him, the interest rate will be 13.9% per annum. Every month you will need to pay about 30,550 rubles, and the amount of overpayment will ultimately be 95,000 rubles.

"VTB 24"

When talking about which bank is best to take out a loan from, one cannot help but mention VTB-24. After all, this organization takes second place in the ratings.

"VTB-24" offers several "Large" - from 400,000 to 3,000,000 rubles, for a period of 37-60 months, with a rate of 15.9-17.9% per annum. “Fast” - from 100 tr. up to 3 million. The period within which you will have to meet when paying off the debt ranges from 6 to 36 months. And the last type is a “Convenient” loan. You can use it for an amount starting from 100 thousand rubles. up to RUR 399,999 Term - from 37 to 60 months, rate - 16.9 - 25%.

By the way, many people, wondering which bank is better to take mortgage, they receive advice to contact VTB-24. This organization has truly excellent conditions. Let’s say a person wants to buy a 1-room apartment for 4,000,000 rubles. An initial payment of 1,200,000 will be required. The amount for people who want to buy such housing is usually escalating. In this case, VTB-24 offers to issue a mortgage for 10 years. If a person receives about 65,000 rubles per month, then the rate for him will be only 11.4% per annum. And you will need to pay 39,000 rubles/m.

RosselkhozBank

This financial organization is in third place in the ranking. Many, having studied in detail the question of which bank is best to take out a loan from, make a choice in favor of Rosselkhoz. This solution is especially beneficial for those people who participate in the program “ salary project» of this organization. For them, the interest on a consumer loan without guarantee starts at 15.5% per annum. If a person wants to take 750,000 rubles (this is the maximum amount) for 36 months, with a monthly income of 60,000 rubles, then he will have to pay only 26,000 rubles/m, at a rate of 16.9% per annum. It is not surprising that many people choose Rosselkhoz if they have a question regarding which bank is better to take out a loan from.

Besides here profitable offer on mortgage. For housing in the Tsaritsyno residential complex, for example, the minimum annual rate is set at 7.5%. And there is also military mortgage, loans for the purchase of real estate with state support and many other offers. You can even apply using two documents! Only for this you will have to make an initial payment of 40%. A person’s ability to immediately give away such an amount is verbal confirmation of his income. If he wants, say, to take 1,000,000 rubles for 36 months, then the rate for him will be 14.4% per annum. Only monthly income should be 60 tr. Because every 30 days you will have to pay 40 thousand rubles. as payment.

"Alfa Bank"

In many ratings that clearly demonstrate which bank is better to take out a cash loan, this organization is included in the top three. The conditions are favorable. The maximum amount is 2,000,000 rubles. Duration - from one year to five years. There are no fees, no guarantor is required, APR starts at 13.99%, and issuance decisions are made within a day. And, perhaps early repayment, which can be negotiated even over the phone.

Also salary clients this organization offers good conditions on mortgage. If a person wants to buy an apartment on the secondary market, then he can be given funds for 5-25 years with an initial payment of 30% and execution of only one document. The rate will be 17.3% per annum. If you want to purchase a residential building, you will have to pay 40% of the total amount.

"Gazprombank"

Many people assure that it is better to make a choice in favor of this organization, since the question has already arisen regarding which bank is better to take out a loan. Many call it one of the best.

If you take out a loan for a period of up to a year, the rate will be 13% with collateral and 14% without it. The loan must be issued for more than long term? If it varies from one to three years, then the annual rate will increase to 13.5% with security and to 14.5% if there is none. And on a loan for a period of 36-60 months you will have to pay 14% and 15%, respectively. By the way, for Gazprombank clients the rate is 0.5% lower.

OTP

This organization is also not in last place in the ranking of verified financial organizations. Moreover, many people recommend it if a person is interested in which bank is better to take out a consumer loan.

OTP loans are issued in cash and for any purpose. Let’s say a person needs to borrow 500,000 rubles. for a period of 24 months. He can be offered a rate of 14.9% per annum and monthly payment at 24,220 rubles.

A mortgage in OTP is also profitable, especially for “our” clients. The maximum term is 30 years. For mortgages with state support, rates start from 11.2%. For new buildings - from 12%, as well as for finished housing.

By the way, many companies cooperate with OTP, and when purchasing at their centers you can get an installment plan or a loan. These are DNS, Svyaznoy, Euroset, Media Markt, Techno-Sila, MegaFon, 585, Elena Furs and many other popular brands.

"BinBank"

This is also a fairly well-known commercial financial organization. Many people often advise turning there if a person is interested in which bank is best to take out a profitable loan.

The minimum amount is 100,000 rubles, the maximum is a million. Terms can vary from 24 to 84 months. The rate starts at 16.5%, and the decision on issuance is made within three working days.

If a person is a client of BinBank, then he can be given 1,000,000 rubles at 16.5% per annum, while the monthly payment will be 26 thousand rubles.

You can also get a mortgage here. The minimum annual rate is 11.25%, the term is 5-25 years. An initial fee should be 15%. The maximum loan amount is not limited, but the minimum is 600 tr. (Moscow) and 300 tr. (other regions). The decision is made within five days. By the way, it is still possible to partially reduce the loan, the amount of payment or early repayment.

"Yugra"

This is a joint stock commercial organization. When talking about which bank is best to take out a loan from (the list of names, as one can already understand, is very wide), one cannot help but mention Ugra. It issues four types of consumer loans. There are “Friendly”, “For any purpose”, “Loyal” and “Pension”. The peculiarity of this bank is that there are no universal conditions - here an offer is individually selected for each client, in accordance with his income and capabilities. So to apply, you need to fill out an application first.

The same goes for mortgages. But there are some standards here. The down payment must be 20% of the total amount. The mortgage term is from three to thirty years. The minimum amount is 300,000 rubles, the maximum is 10,000,000 rubles.

"Avtotorgbank"

This company with limited liability It is also worth noting attention when talking about which bank is better to take out a loan from. The rating mainly shows popular names of financial organizations. Few people have heard of Avtotorgbank. But it offers favorable conditions for car loans.

This organization has many partners, including famous foreign manufacturers. The bank issues money for a car loan in euros, dollars and rubles. The minimum amount is 300,000 rubles, the maximum is 5 million. The period can vary from 6 to 60 months. The down payment must be at least 20% of the cost of the car. A deposit is not required, since the purchased car becomes the deposit (you will need to transfer the title to the bank for safekeeping).

If a person takes an amount for a period of 6 to 12 months, then the annual rate will be 18%. From 13 to 36 - 19%. And from 37 to 60 - 19.5%, respectively. Many people take out a loan in euros or dollars, since in any case, no matter what term the client chooses, the rate will be 15%. But in in this case There is also a risk, and it lies in the unpredictable exchange rate.

"Sovcombank"

This organization is also worth noting with attention, talking about which bank is better to take mostly positive things about it. After all, Sovcombank makes favorable offers to its clients. True, the services of this organization are suitable for those people who need small amounts. So, for example, 100,000 rubles can be issued at a bank at 12% per annum. The requirements for borrowers are low - citizenship of the Russian Federation, age from 20 to 85 years, 4 months of experience in the last job and permanent registration in the region (also at least 120 days).

There is a consumer loan “Standard” with maximum amount 200,000 rubles, “Superplus” (600,000 rubles), “Pension”, “Express” and even the so-called “For Responsible” loan, provided upon presentation of a passport and a higher education diploma.

What do clients say?

Finally, we can talk a little about what kind of reviews about the work of banks are left by people who have used their services.

CreditZnatok is a service for selecting the most profitable credit offers from Russian banks and microfinance companies. Citizens living both in Moscow and other Russian cities are served. You can find a profitable loan using the online filter at the top of the page.

Get the most profitable cash loan: how to apply and what you need to know

To find a program with acceptable loan terms, first enter the required amount and term in the appropriate filter fields. Also, for proper selection, you should indicate your city of residence. After activating the “Select” button, the service will offer the client a list of banks that have representative offices in this locality.

Consumer loans are issued for various needs: from small purchases to large investments in business development, etc. Accordingly, the amount can be very different: from 5-7 thousand to several million rubles. Large credit loan usually allocated for mortgages and similar purposes. To make a profitable deal, consider all lending conditions:

• bet size;
• the need to confirm income;
• Is it possible to get a loan for favorable conditions on the day of application;
• options for withdrawing cash and repaying debt (to card, account), etc.

How to get the best loans

Choosing a good option is only half the battle. You still need to submit your application correctly in order to credit organisation considered the applicant to be quite trustworthy. This can be done online on the website of the selected company. Click on “Apply for a loan”, after which the required page will automatically open.

Each lender offers assistance to the future client in the form of a calculator to calculate interest rate and the final payment amount. Before submitting an application, check whether the bank provides the opportunity to repay the debt early without “penalties”. If you are satisfied with all the conditions, carefully fill out the form, wait for approval and go get your money.