A client receiving wages on a Promsvyazbank card can exercise the right to receive a consumer loan under the following conditions:
The lending rate is reduced by the "Discount" offer by 1% from the next day after the date of making each 12th payment under the agreement (or 13th installment, when the borrower violated the deadlines for making the 12th by no more than 7 days).
The percentage is reduced if the following conditions are simultaneously met:
Until 12/31/2017, the bank is holding a 500+ promotion, under which payroll card holders can apply for a consumer loan from 500,000 rubles. up to 1.5 million rubles Interest rate 11.9% with financial protection and 15.9% without it.
Loans in Promsvyazbank are issued only to those customers who meet the criteria. Here are the key ones:
If a third party is involved in the transaction, all these requirements apply to him as well. The program is available exclusively for individuals.
You must submit to the lender's office:
A similar package of documents is prepared by the guarantor. If desired, he can also provide a pension certificate and a certificate of the amount of the assigned pension from the Pension Fund (relevant for the elderly).
The program was created to protect the client and his family from unforeseen situations. To join the program, it is enough to check the appropriate box when filling out the application for a consumer loan.
If an accident occurs with the borrower, which will lead to disability or disability of 1-2 groups, he will be able to repay the debt to the bank at the expense of insurance payment. You can open the "Financial protection" deposit in 2017 on the following conditions:
Depending on the deposit currency, the amounts and rates differ:
The term, regardless of the currency, is always the same - 367 days.
In an early repayment situation, the financial protection still continues until the agreed term.
If the borrower fails to fulfill his loan obligations on time or not in full, penalties are applied to him: a penalty of 0.06% of the amount of the overdue principal debt and no more than 20% per annum if interest on the loan was accrued at that time, otherwise a penalty will be 0.1%.
If there are financial problems, borrowers who have submitted a loan application to the bank since September 05, 2011, are entitled to use the service of deferral of 2 loan payments. General term lending will be proportionally increased.
The client can make a monthly payment without commission in any convenient way:
The procedure and dates for making payments are negotiated before the execution of the contract and are clearly spelled out in it. Early repayment of the debt is possible, it is worth notifying the bank by telephone in advance, informing the employee of the payment amount.
The main benefit of a loan for payroll clients is a simplified procedure for obtaining. It is enough to go to the Promsvyazbank website, where you need to leave an application, after the approval of which it is enough to come to the bank and sign an agreement (instructions on how to fill out an online application,). Among the positive aspects, one cannot fail to note the reduced rate and possibility of a deferment.
Here is a list of benefits for payroll card holders:
If you use PSB-Mobile or Internet banking to complete the application, the rate under the agreement will be reduced by another 1 unit.
Banks often offer "salary" customers special conditions and Promsvyazbank among them. The company formed really profitable terms With reduced rates under a special program, and also holds an interesting promotion until the end of 2017.
Promsvyazbank carries out a special area of activity - exclusive services for VIP clients. The service is designed for private wealth management, investment and savings Money.
In 2019, Promsvyazbank was even awarded the Russia Wealth Management Awards.
Premium clients can make 7 deposits. Among them are presented both classic and with unlimited possibilities for replenishment and withdrawal of funds. There are also multi-currency ones. In general, any wealthy client will be satisfied.
Deposit Financial protection is an additional financial guarantee for the premium depositor and his family members. Maximum bet in rubles is 10.75%, in dollars - 3.75%. Enough high stakes, is not it?
The opening of the deposit is subject to the following conditions:
Funds are deposited into the deposit account in one of two available ways:
Basic terms of the deposit:
Interest payment procedure:
There is a limit on the maximum amount for the Financial Protection deposit. The corresponding value is calculated as:
To account for the amount of fear. awards are only insurance premiums paid:
The deposit is opened for 1 year and cannot be extended. Accordingly, the rate depends only on:
The spread of percentages can be seen in the table below:
How to make a premium deposit? It should be noted that PSB has separate VIP offices, a separate hotline for premium depositors and other personal service services.
Accordingly, it makes no sense to apply to departments for ordinary citizens - the product will not be issued.
To receive a consultation, you will need:
You need to fill out a simple form, indicating:
Click “Submit Application” after filling in all the fields. A personal manager will contact you by phone or send a response to the specified email address.
You can find out the location of premium offices as follows:
All the necessary information will be presented on the right:
To make deposits, you traditionally need to provide a general passport. It is unlikely that the bank will require other documentation. This usually happens if the identification of the person on the provided passport cannot be made.
In this case, one of the following documents must be submitted:
The law obliges banks to provide customers with the right to early termination of the deposit agreement at any time. PSB respects the law, so wealthy clients can cancel the agreement even before the end of its actual validity.
Early return conditions:
The amount of the rate at which interest will be calculated will depend on the period that has passed since the conclusion of the deposit agreement.
If less than six months have passed since the date of opening, interest will be paid on the terms and in the manner corresponding to the Demand deposit in force in the PSB at the time of termination of the agreement of the parties.
If more than six months have passed, the client will be paid interest according to the following formula:
Premium service is, first of all, the quality and timeliness of the provision of services. Specialists hotline always ready to answer questions that arise.
You can also write an e-mail to the manager of the Department of Private Wealth at the e-mail address.
Deposit Financial protection is a solution for VIP depositors who like complex products.
The deposit is provided only on the condition of registration of a life insurance policy in the insurance company Alliance. The deposit stands out among the rest with its high yield - up to 10.75% per year.
One consequence of the financial crisis is the need to tighten credit conditions. However, even with a detailed study of the solvency of borrowers, natural disasters, illness and job loss cannot be ruled out. All these circumstances can affect the solvency of the person who received the borrowed funds. To reduce risks, financial protection is offered during the execution of a loan agreement - life and health insurance.
What is financial protection for loans? There are 2 types of loan insurance: compulsory and voluntary. The first type is used when applying for a mortgage - the title is insured (protection against the double sale of the acquired property).
For all other contracts, voluntary insurance:
The cost of the policy is different for different loans. When applying for insurance for an apartment, the rate is 0.1% of its value. For a house, the average rate is 0.15%. For a consumer loan, 1-5% of the amount is calculated. The execution of such insurance contracts is in the interests of both the bank and the persons making the loan.
Financial protection when obtaining a loan - what does it mean in Sberbank? When applying for any insurance, the list of risks is the most important. In Sberbank it is:
Sberbank Insurance (a subsidiary of Sberbank) insures persons receiving borrowed funds. It repays credit debt upon the occurrence of an insured event.
The policy is transferred to the borrower along with the loan agreement. Calculations of the insurance payment are made individually depending on the amount. Limits - 1.99-2.99%. Insurance payments are distributed over the loan repayment period and are paid together with the next payment. Sberbank also charges a commission, which is deducted from borrowed funds.
Financial protection when obtaining a loan from Sberbank for the purchase consumer goods does not always seem necessary to the borrower. Sberbank employees strive to ensure that all loan obligations are insured. This is correct, considering that nothing in life can be predicted. The solvency situation can change both positively and negatively. negative side. On the other hand, insured events occur only in 6% of borrowers.
Before you agree or refuse, you need to consider the pros and cons. The advantages include:
In any case, you can opt out of insurance of borrowed funds. But it must be taken into account that annual rate percent will increase by 1-3 points. If the loan is short-term (for several months), then such a situation may even turn out to be beneficial - the amount of insurance premiums will exceed the amount accrued at an increased percentage.
When applying for a car loan or mortgage, it is better not to refuse insurance. These are long-term commitments, anything can happen in a few years. Insurance may not compensate for all losses, but it will reduce the amount of debt.
Many borrowers are interested in whether it is possible to terminate the insurance contract after receiving borrowed funds. In accordance with the established conditions, you can return:
Sample application for early termination of an insurance contract
But it is better to weigh all the pros and cons well before concluding a loan agreement. This will save both time and nerves required for processing the return.
Financial protection of a loan is a term that has recently appeared in banking practice. At its core, financial protection is a regular program voluntary insurance borrower, which, however, many clients find out when the question arises of refusing such a service in the process of fulfilling loan obligations. It can be assumed that this is what was calculated.
As practice shows, the vast majority of borrowers negatively perceive the very prospect of incurring additional loan costs associated with insurance. Therefore, at the mere mention of the term “insurance” by a bank manager, the borrower should refuse to take on unnecessary financial obligations. The bank has no right to impose insurance, customers draw up insurance contracts extremely rarely, and somehow it is necessary to promote the service - hence the emergence of financial protection programs. The term does not sound as repulsive as insurance, but as long as the borrower realizes what he “signed up” for, time will pass, during which the bank will receive quite a good additional income.
To understand how and by what means a bank can cash in on the inattention of the client-borrower, you need to know at least standard terms of financial protection:
The conditions for financial protection of Sberbank are not very different from the standard ones, but it is worth specifying some points. According to the conditions of insurance against illness and accidents in force since March 2016 (source - the official website of Sberbank):
The Bank and the Sberbank Insurance company agree on the possibility of changing the basic conditions and specifying them when preparing an insurance contract concluded with a certain person. Therefore, the terms of the contract may differ from the basic ones. The tariff for connecting to the Program may also change, and hence total amount service fees. Much also depends on which insured events will be covered by insurance.
To date, coverage of health, life and involuntary loss of a borrower's job is considered standard for insurance of Sberbank borrowers. All this requires an extremely careful reading of the documents when applying for insurance and signing the contract.
The specific procedure for the return of funds under insurance is regulated by the internal rules of the bank. The only thing mandatory for all banks in accordance with the instructions of the Central Bank- fulfillment of the requirement to establish at least a 5-day period for the return of 100% of the payment made under the insurance contract. This rule applies to all banks that provide financial protection for loans, and usually the standard term is longer - 14 days.
The action plan for the return of insurance should be as follows:
Refunds are usually made to the customer's deposit account, unless otherwise specified in the application. If a refund is refused, you will have to go to court with the appropriate claim.
Promsvyazbank is a reliable organization for making deposits. The company is rightfully included in the top 10 credit institutions. Promsvyazbank complies with its obligations to customers. The fact is confirmed by the leading rating agencies who have repeatedly recognized the institution as an industry leader.
Deposits for individuals from Promsvyaz Bank for 2019-2016 are profitable. Today, the interest rate is above the industry average. The institution allows the client to independently choose the method of making a deposit.
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For individuals, both classic deposits and deposits with the possibility of replenishment are available. Despite the list of positive features of the bank, when choosing an institution for investment, the client must carefully study all the conditions that the institution provides.
Promsvyazbank does not impose strict requirements on depositors.
An investor can be:
The main thing is that the depositor has a document that would confirm his status. A person can invest money after receiving a passport.
In Russia, the age for making a deposit is fixed at 14 years. If, for any reason, the investor does not want or cannot perform the operation on his own behalf, he can arrange the procedure for another person.
If the deposit owner wants to withdraw a large amount of savings that are stored in the bank, he will have to warn the organization about the planned actions in advance. The operation must be carried out in 1-3 days before contacting the branch of Promsvyazbank. A large amount is an amount that exceeds 300 000 rubles.
To make deposits for individuals from Promsyazbank, a wide list of documents is not required. To perform a transaction at a branch of the organization, you will need to provide a Passport and a document that confirms the right to be in Russia.
If a person wants to open a deposit for another person, for example, for his own child, in addition to the above documents, you will need to provide a birth certificate. Bank employees are ready to accept deposits by proxy. However, the document must be notarized.
The paper must clearly indicate the list of operations that a person has the right to perform on behalf of another person.
If the contribution is made in foreign currency, only close relatives of the person can perform the operation
To make a deposit, you will need to open an account with Promsvyazbank.
For pensioners or individuals, the operation is performed in the following order:
Before performing the operation, the depositor must analyze the available interest rates and choose the appropriate one. Promsvyazbank clients are guaranteed financial protection.
The user can make a deposit remotely. To complete the operation, you need to go to the official website of the company on the Internet. Investments in long term capable of generating passive income for the client.
A client who has made a deposit can choose one of several service systems offered by the bank. Depending on the selected program interest rate may differ significantly.
Promsvyazbank can insure customer deposits. This means that, in the event of the bankruptcy of the organization, clients will be able to receive compensation in the full amount of the investment.
You can open an account and make deposits in the company using 1 of 3 types of currencies:
If the investor plans to invest an amount that exceeds $5,000, conversion into the required currency is carried out at a preferential rate. Maximum size contribution cannot exceed 20,000,000 rubles. If the user invests more than the maximum possible amount, the bank will reduce the interest rate.
Promsvyazbank offers its customers a wide range of deposits. The investor can choose the most suitable one for himself.
Popular rates are shown in the table below:
| Name | Min. sum | Term | Percent | Partial withdrawal | Interest payment | Top-up amount |
| "Maximum Possibilities" | 150 000 rubles | From 1 years before 731 days | 9% | maybe | At the end of the term | Before 1 000 000 rubles |
| "My Benefit" | 50 000 rubles | From 30 before 1095 days | 10% | Impossible | At the end of the term | Not determined |
| "My piggy bank" | 30 000 rubles | From 6 months before 367 days | 8,9% | Impossible | Every month | Before 1 000 000 rubles |
| "Simple Rules" | Any amount | From 30 days | 5% | maybe | Every month | Before 1 000 000 rubles |
| "My Opportunities" | 30 000 rubles | From 6 months before 731 days | 7,5% | maybe | Every month | Before 1 000 000 rubles |
Promsvyazbank offers individuals and pensioners to use special offers. So, if the clients belonging to these groups of persons replenish their account for an amount greater than 100 000 rubles at a time, interest will be charged on the credit card balance.
Its size depends on the amount of money that the user puts into the account. In addition, the client will be able to withdraw cash from credit card no commission. However, there is a restriction on the execution of the operation.
