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Need a loan or deposit? "Russian Standard": Characteristics of Bank Services

To date, there are so many different banks that literally everyone can choose one that fits all individual criteria. At the same time, this choice can be delayed for a long time, because you need to study the conditions for the necessary products, learn the quality of service, the location of offices, etc.

To not walk around the city all day, you can get acquainted with the conditions at home. In this article we will give a brief description of the products offered by the Russian Standard Bank.

A little about the financial institution

This institution was founded in 1999. Since then, a considerable number of changes and innovations have passed. To date, the bank specializes in providing financial services to individuals.

The ratings of international appraisal agencies indicate that the bank "Russian Standard" is ready to respond at any time to all its obligations, which indicates good financial stability.

Deposits

The institution offers its clients four types of deposit: "Maximum Income", "Rentier", "Rechargeable" and "Convenient".

It features a high interest rate of up to 10% first contribution. "Russian Standard" does not allow customers to replenish it, which is the main drawback of this product. It is possible to withdraw money and interest only at the end of the term. Interested in? The amount of the deposit must be at least 100 thousand rubles.

The second has a maximum interest rate slightly lower - 9.5%. However, at any time you can replenish such a contribution. "Russian Standard" offers a payment of interest on this deposit only at the end of the term. The first installment must be at least 100 thousand rubles.

For those who want to receive interest every month or quarterly, there is a special contribution. "Russian Standard" offers customers a product "Rentier". The rates for such a deposit are limited to 8.5%. Unlike the previous two types of deposits, Rentier provides an opportunity to capitalize interest, which significantly increases its profitability.

Do you want to have permanent access to your money on deposit? And for such people there is also a contribution. "Russian Standard" provides an opportunity to open a deposit "Convenient". It assumes the lowest interest rate, in comparison with the previous products, the maximum is 8% per annum. And the main advantage is that there is a possibility of a partial withdrawal of funds.

Also, with significant amounts of investments, the bank is ready to consider individual conditions and interest rates when concluding deposit agreements.

Loans

The bank is able to use two credit programs:

  • Consumer credit for goods;

  • Issue of credit funds to the card of the bank "Russian Standard".

The credit for the goods is made out directly in trade points or Internet shops. That is, you do not need to first go to the store, take an invoice, then come to the bank to make the necessary documents - employees located in the outlets will help to make everything in place.

The amount of such a loan can fluctuate in the range from 3 to 300 thousand rubles. The interest rate depends on the chosen store, since each has its own program. The maximum loan period is up to 24 months.

And if you have all the equipment at home and you need money in cash, the bank can give you up to 290,000 rubles. The loan period can be up to 36 months. Tariff rate is calculated individually and depends on several factors, including good credit history and long-term cooperation. Therefore, clients have the opportunity each time to make out a loan with more favorable terms.

Also for those people who temporarily lost solvency, there is the possibility of concluding an agreement on restructuring the loan debt with a repayment schedule that the borrower will be able to perform.

Location:

Represented in almost every major city is the Russian Standard Bank: Moscow (27 branches), St. Petersburg (7 branches), Novosibirsk (3 branches), Ekaterinburg (3 branches), Nizhny Novgorod (3 branches) and so on.

The combined network with other financial institutions is about 3 thousand ATMs, which allows you to work with plastic cards throughout the whole of Russia.

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