Regional director of the bank "Let's go!" in Yekaterinburg Irina Buyanova:
- Lending potential in Sverdlovsk region high, only the naive attitude of borrowers to their financial biography interferes
Representatives of the banking community and services bailiffs told yesterday what a credit history is and what to do if it is damaged. A press conference “Credit History. Revealing secrets."
Credit history is the history of the borrower's relationship with the bank, the history of all his payments. Credit histories are stored in the Bureau of Credit Histories, of which there are currently about 20 in Russia.
If last year about 35,000 requests were made to the Credit Bureau regarding the credit histories of citizens, then in 2012 the number of such requests exceeded 100,000. This is explained by the fact that at the moment Russia is experiencing another boom in retail lending, comparable to the dynamics of 2007. Over 12 months, the volume of loans taken by the population increased by 45%.
“According to the Ural Banking Union, for 7 months of the current year in the territory of the Sverdlovsk region issued consumer loans by 130 billion rubles, - says Evgeny Bolotin, Deputy Chairman of the Ural Banking Union.
Russian feature - uneven distribution number of loans per borrower. Someone has never applied to a bank, and someone is trying to pay off 5-7 loans at once. “Somehow a woman came to our bank, who had 37 loans at the same time!”, - says Irina Buyanova.
Bureau of Financial Solutions Let's Go! in September, a program was launched to issue free credit histories to everyone. As it turned out during this campaign, today more than half of the citizens who took out loans have a bad credit history. Moreover, the criteria for a "corrupted" history are constantly being adjusted by the banks themselves. According to Irina Buyanova, if earlier the credit history of a person who did not have a single delay in payments was considered good, then later borrowers who overdue payments for 1-2 days, then for 10 days, for 30 days began to fall into the category of reliable.
The bank transfers cases of malicious defaulters to the bailiff service. According to the bailiff service for 8 months of this year, cases worth 42 billion rubles are being processed. Last year, the figure for the same period was 4 billion rubles less.
"Most a large number of default on small loans high interest and, accordingly, for the banks that provide them,- says the head of the department of the organization enforcement proceedings Inna Kolykhmatova. “The Service is taking various measures to influence debtors, including restricting travel abroad.”
You can fix your credit history by taking new loan and paid it carefully. In the future, this will open the way for the borrower to good loans with favorable conditions.
Experts agree that you need to know your credit history. Today it is used in the work not only by banks, but also by large employers when hiring specialists, notaries, realtors, management companies.
Maxim Demchenko
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The bank offers borrowers to use one of 3 loans. You can apply for a cash loan with just two documents, without confirming income and security. The editors of the website "Bankonomics" have compiled a review of consumer credit programs of the Bank Let's go! for Moscow.
You can get a cash loan at Podem Bank low interest to pay for purchases or in cash. You do not need to report on the use of the loan. The bank lends money to both employees and pensioners and individual entrepreneurs. The main parameters of loans issued are collected in a table.
Let's go to the bank card! credits “For Youth” and “Simple Solution” are credited. They can not only pay for the purchase of goods and services, but also withdraw cash or transfer to another account. However, when withdrawing money from an ATM interest rate will increase to 59%.
Credit "Let's go!" Suitable for those who need cash. Interest on this loan is reduced from 30% to 11.9% within 13 months. At the same time, the amount of the monthly payment is also reduced.
Before signing the contract, it is necessary to study all the conditions of the loan. Pay special attention to the issues of repayment, interest accrual, and the system of penalties for delays.
Each of the Bank's loans Let's go! own system for calculating interest rates. Loans "For Youth" and "Simple Solution" have the same rate formation mechanism. For non-cash payment by card, the percentage is 29% per annum, for the amount received in cash or transferred to another account - 59%. In addition to interest for using the loan, the bank takes a commission for cashing out in the amount of 5%.
It is better not to withdraw money issued to the card. If you need cash, it will be more profitable to use another credit program.
Let's Get It! different from other loans. This loan is disbursed for 13 months. During this period, the interest rate decreases:
The borrower can choose the loan term within 5 years. Youth and Easy Solution loans can be used within 6 months. Interest will be charged only on the amount used, and the term of the loan starts from the date of the first expense transaction. If a part of the loan is not spent within six months, then this balance is blocked.
When applying for a loan, you need to clearly assess your ability to repay. For late monthly payments Let's go! calculates fines. Their size is indicated in individual conditions lending.
For example, for loans "For Youth" and "Simple Solution", an additional 20% per annum is charged on the amount of delay until the debt is closed. According to the program "Let's go!" penalties are charged in the amount of 0.0545% per day of the amount owed.
Bank employees advise repaying the loan ahead of schedule, even for a small amount, because reducing the principal debt reduces the interest paid. This is especially advantageous for loans with a high rate.
Any of the loans Let's go! may be repaid in full or in part. To do this, you need to write an application at the bank branch. The amount for repayment is debited on the same day, so it is necessary to immediately deposit it into the account. After early repayment the bank will recalculate the interest.
Bank Let's go! does not allocate preferential categories of borrowers. Pensioners, individual entrepreneurs and employees will draw up a contract on general terms.
Each borrower of the bank can participate in the shares of the bank. One of the Loyalty Loyalty Programs offers a lower interest rate. Participation in bonus program free.
For timely payment of monthly payments, recommendations or use of bank services Let's go! accrues from 25 to 100 bonuses. Depending on the number of accumulated points, the client is assigned the status of "Golden Cat", "Silver Cat", "Bronze Cat". The status affects the interest rate of subsequent loans.
Calculation example. Loan for 2 years. For each payment made on time, 100 points are awarded. After paying off the loan, the client receives the status of "Bronze Cat".
To get the Silver Cat level, you must be a borrower for more than 3 years or use other bank services.
Among the currently active loans, the statuses of the “Pampering” program reduce the rate on the “Simple Solution” loan.
Let's go! There is a "Birthday" promotion. If issued loan agreement in the month of birth, the loan rate will be reduced by 5%.
Compliance with credit conditions and participation in bank shares will make the overpayment lower.
The Bank issues loans only to reliable and solvent customers. To select suitable borrowers, the bank puts forward a number of requirements. The specific list of restrictions depends on the loan program.
Standard requirements for borrowers:
The bank does not set any requirements for the availability of landline telephones, income level and client status.
Special requirements for pensioners and individual entrepreneurs Let's go! does not present. However, retirees need to remember that they must be no more than 75 years old at the end of the loan. Individual entrepreneurs equal to those employed.
The bank requires documents from the borrower to confirm the details of the loan application. Amount up to 200,000 rubles. can be obtained by 2 documents without proving employment and income.
Add to list standard documents includes:
If the amount of loans in the Bank Let's go! exceeds 200,000 rubles, then you will need to confirm income. This can be done with:
The documents that the borrower provides to the bank must be valid. Before applying, you need to check the validity of the passport, pension certificate and certificate 2-NDFL.
You can apply for a loan and receive money only at a bank branch. In order not to waste time waiting in line, you can leave a request for a call from a specialist and agree on a visit time.
To leave a request for a call, you need to click on the main page of the Let's go! website, on the "Application for a loan" button. In the window that opens, you will need to enter your full name, phone number, address Email. You also need to select the city and loan parameters.
During the day, a bank employee will call and agree on the time of the consultation. Questions can be clarified by phone. However, loan officers Let's go! We strongly recommend that you visit the nearest branch in person.
Bank Let's go! arranges all loans in branches. Before submitting the questionnaire for consideration, a bank specialist talks with the borrower. This is necessary to find out the client's solvency, working conditions and the purpose of the loan.
According to the results of the interview, the employee credit department decides on the optimal loan program, interest rate and term. After that, he sends a loan application for consideration. Within 3 days, the bank makes a decision and issues a loan.
To find a convenient Let's go! office, you can use the "Branches" section on the bank's website. The necessary branches must be filtered by ticking the box “Take a loan”. The service will display suitable offices as a list of addresses or show the location on a city map.
After let's go! approve the loan application, you must come to the office and sign a loan agreement.
For loans "Simple Solution" and "For Youth", the bank transfers money to a card, which is issued free of charge. Loan "Let's go!" the bank credits to the current account of the borrower. Depending on the purpose of use, money can be received in cash or transferred to a card.
Credit Let's go! must be repaid on schedule. The date of payment coincides with the date of the loan, if the loan is issued before the 25th. If the loan is issued later, the bank sets the repayment date - the 25th day of each month.
To pay the loan, you can use any of the proposed methods. When repaying, it is necessary to take into account the amount of the commission for the transfer and the term for crediting funds.
Free loan payment methods are collected in the table:
Website Let's go! you can replenish your account or card with a transfer from a card of another bank.
Payment methods with a commission are summarized in the table:
The editors of the Bankonomics website recommend that before each payment, specify the amount in the Internet bank or at the Let's go! This must be done for declining rate loans and overdraft loans. According to the program "Let's go!" monthly payment is calculated according to a differentiated scheme and its size changes every month. For loans "Simple Solution" and "For Youth" the interest rate depends on the way the funds are used.
Bank Let's go! invites borrowers to apply for a voluntary insurance program"Protection of life and health". This service relieves the client of the need to repay the loan upon the occurrence insured event. In the event of death, the borrower's relatives will not be required to pay the balance of the debt to the bank.
The decision on insurance is made by the client himself. Let's go employee! can only recommend this service, but has no right to impose it. Sometimes the loan officer may offer to issue a policy after the interview to increase the chances of approval. The presence of insurance does not affect the size of the interest rate. Within 5 days, the insurance contract can be terminated and the entire premium amount returned.
Bank consumer loans Let's go! convenient in that they are issued with only two documents. Let's Get It! Suitable for those who need a large amount of cash. Credit "Simple Solution" and "For Youth" are beneficial for non-cash payment for purchases over 30,000 rubles. In different regions, the list of lending programs and their conditions differ.
Study the bank's customer reviews Let's go! on our website before applying for a cash or card loan. The opinion of real people (11 pcs), who pay and do not pay. Only verified information. Leave your review if you are a bank client! We also publish negative reviews. Our clients need to know the truth.
Below you will find answers to popular questions:
Wild interest. Having taken 200,000 rubles for 5 years, and paid 4 months, 10,000 monthly, the main debt was not written off at all! I had to look for funds for early repayment. As a result, I ended up owing 202,000 rubles! Although I took 200, and already gave 40,000! An overpayment from two hundred thousand would have amounted to 400,000! Total would give 600,000! Run away from there, dropping your slippers!
I repaid the first loan in the bank. Let's go two months earlier, so I was afraid that they would not give me a loan anymore, because they had lost their interest. But nothing like that, I bought equipment in the store with a loan from Let's go! And no one even said a word, showed the passport and that's it. I'm very glad, thank you.
Let's go to! they quickly approve the application, for the third time I take a loan from them, all the registration and consent takes place in an hour, I don’t even leave the office, I sit and wait for a go-ahead. This is how all banks should be done so that they do not drive people back and forth, and in Let's go they even gave tea to drink while waiting.
Bank Let's go! I was approved for a loan, even though I already have two other loans, and they did not refuse. They needed money for treatment, maybe that's why they entered my position? But I am glad that among the banks there are those who see us behind the money and understand our problems. Thanks a lot, let's go! you are a real helper in need!
Updated my wardrobe with the bank Let's go! They completed the purchase of a fur coat even without a down payment! This is a gift my husband gave me. And there was just a sale in the store, so the fur coat, even with interest, turned out to be not very expensive, my husband is satisfied, and I'm just happy, I have never had such beautiful clothes for the winter!
Medvedev Anton
Let's Go to the Bank! took consumer credit to buy furniture. The office drew up a contract and approval came immediately - quickly, I didn’t even have to doubt - suddenly they wouldn’t give it. The schedule was convenient, calmly after pay I will put money on a credit card.
Yes, they will. However, the conditions will not be the same as for those officially employed. A bank or other credit organization, upon approval of the application, will take on increased risks. The likelihood that you will repay the loan on time without having a stable official salary is lower. This will affect the interest rate, loan term and other conditions, and not in your favor.
Receiving a black salary and not having other stable sources of income, you can count on a consumer loan (for example, for vacation, treatment, or without a specific purpose, that is, a non-purpose loan). You can't get a mortgage.
There are two options here: go to a bank or another lending institution, such as a microfinance institution.
You can contact the bank on your own or through a credit broker - a company that acts as an intermediary between you and the bank. The broker himself looks for the most profitable offer banks, which are most likely to approve the application, prepare the documents and send them to the credit institution. For their services, the broker usually asks for 1-10% of the amount.
The second method will be as unprofitable as possible, but simply cosmic (1–2% per day). At the same time, the borrower may be required to immediately pay a service fee of 10-20% of the loan value or take out life insurance in a particular company that does not offer the most favorable conditions. But getting such a loan is simple: usually only a passport is enough.
Usually, for officially employed and officially unemployed, the bank has the same credit programs but the terms are different. In the second case, the rate is 2-3% higher, and the loan amount is less. But there are nuances here.
For credit institution it is important that you verify your source of income. For example, if you do not work officially, but have real estate that you rent out and receive monthly rent, consider this as a permanent source of income. In this case, you can get a loan for more favorable conditions, close to those offered to officially employed citizens.
Another situation in which the bank will meet you halfway is the provision of collateral. Best of all - a solid pledge. To get a loan under normal conditions, you will need to prove that if you suddenly cannot repay it, the bank will be able to appropriate your property (for example, an apartment, house, car) and thereby cover the costs. As security, you can also attract a guarantor - a person with an official stable income sufficient to repay the loan, who will take all the risks.
When giving a loan to the unemployed, the bank may require a higher an initial fee(about 30-50% of the amount), so be prepared for this.
If you can somehow confirm receipt, do so. For example, provide the bank with a certificate of movement Money on the account or receipt of money from third parties (it doesn’t matter what is indicated in the purpose of the payment), an account statement for the last couple of months, and so on.
As in other cases, you will need to fill out a questionnaire. Indicate your place of work, even unofficial, and the amount of real monthly income. You should not overestimate your income: the bank checks the information. If a discrepancy is revealed, you will be denied a loan without explanation.
The bank may act in different ways.
If the loan amount is large, you will be checked by the security service. Her employee will find out if the company you specified as a place of work exists, under what conditions they work unofficially and what conditions you have. Such verification can take place by phone or in person - security officers often go to the site.
If the loan is small, you will be checked by a personal manager who accepted your documents. He will call your manager, find out how much you really get, and clarify how satisfied the employer is with you. All this will allow the manager to understand whether you will receive a stable salary in the near future. monthly income in this company and, accordingly, repay the loan on time.
If you have a positive, it will be a plus in both cases. At the same time, it is better if you previously took and successfully repaid loans in the very bank where you are now applying.
It turns out that no. By all indicators, you lose to workers with a gray or white salary. The procedure for obtaining a loan is more complicated, the probability of approval of the application is lower, the amount is smaller, and the interest rate is higher.
