Everyone wants to live beautifully and in nothingrefuse. But financial opportunities are not always enough to purchase even the necessary things. And then the loan program comes to the rescue. Many financial institutions give out money for debt at a rate today. Advantageous loans in "Idea Bank" - an opportunity to improve the quality of life.

Basic information

It is a financial institution with a rich history. Today, there are many proposals for lending. At the same time, Idea Bank can not be called one of the leaders in this field on the domestic market. Despite this, the financial institution has many regular customers who not only take money on debt, but also sign deposit agreements.

Today the Federal Bank is actively developing. In 16 regions of Russia, people have the opportunity to benefit from a loan. The decision on extradition is taken within minutes. A minimum package of documents is required to sign the contract.

Car on credit

To buy a vehicle, there is already noneed to accumulate the right amount for several years. All that needs to be done is to issue a loan in the "Idea Banka". The conditions are completely transparent. Any Russian citizen can enter into the transaction, the term of permanent registration of which exceeds 6 months. Attention is paid to age characteristics. Credits "Idea Bank" can be issued by citizens who at the time of signing the contract turned 23 years old. It is important that at the time of the transaction the client's age does not exceed 65 years.

The currency of the transaction is ruble. This excludes the possibility of reducing the benefits due to inflation. For registration of the contract, a minimum package 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 concludetransaction 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. The transaction is not less than 100 thousand rubles. Really profitable offers "Idea Bank" loans. Customer testimonials show that the rate on the contract depends on several factors. First of all, this is the amount of the initial payment. If you make at least 70% of the total amount of the car, the annual rate will be 15%. There is an opportunity to make a deal without an initial payment, and this is noted in the reviews as the most positive moment. The rate will be 22% per annum.

The cost of credit is also affected by the term. When you make a deal for the maximum, you should count on an increased percentage (from 20 to 25% per annum). Early repayment of a loan in Idea Bank is permitted. But the rate established at the conclusion of the contract, it does not affect.

How to repay a loan in Idea Bank?

When formalizing the contract, the manager issues to the clientseveral receipts, which specify the details for payment of debts. The lending program at the financial institution provides for an annuity system for the repayment of debts - in equal installments. Initially, a large amount goes to pay interest. With each payment, the amount of the overpayment is reduced.

It is worth considering that in other banks for the services will have to pay more and commission.

Credit for a plastic card

In the world of information technology, manyrefuse cash. Money can be stored on accounts, and they can be used with the help of a plastic card. Even to take money on credit, it is not necessary to fill in the forms and for a long time to expect a response to the transaction in the office of the financial institution. Loans "Idea Bank" is a time saving. In order to get a certain amount of debt, you will have to visit the office only once.

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

Credit Card Features

Customers are offered plastic cardsinternational financial system MasterCard. This means that you can withdraw funds anywhere in the world. Through ATMs of the network of partner banks, money can be withdrawn without commission. The credit card provides financial freedom both on the territory of the Russian Federation and abroad.

The basic interest rate on the loan is20%. It can be reduced in coordination with the management of the financial institution. Having concluded a deal with the bank, clients receive additional bonuses in the form of free account maintenance, interest accrual for the balance of own funds. The Internet bank is also convenient for customers. Everyone can check the status of their account through a home computer or mobile application.

Reviews

Customers note that due to the unstableeconomic situation in the country financial institution is meeting halfway. Those who can not pay loans "Idea Bank" on time, it is worth contacting the nearest office to resolve the situation. There are two ways to solve problems. A grace period may be granted to pay the loan. In this case, the minimum payment amount is reduced only for a certain period. Then you have to pay the debt at an increased rate.

Another option is to reduce the sizethe minimum monthly payment. It should be noted 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 submitted documents confirming the deterioration of the client's financial condition (health certificate, a copy of the work record book with a note of dismissal from work). The reviews provide an opportunity to understand that almost every person is offered a solution. Individual approach is a huge plus.