Real feedback: "Uniastrum Bank" (LLC)

The history of the existence of the bank "Uniastrum" fully reflects the social and economic situation that has developed in the Russian Federation over the past 20 years. The financial institution was established in 1994. During the period of its functioning, many stages of development have passed, which today allows us to talk about its sustainability, flexible policies, credibility and reliability.

The main stage in the development of the organization was its adoption in 1996 in the Russian payment system Union Card. Today every client is trying to leave a comment about Uniastrum Bank. The license was received by the institution in 1997. At this time, it was taken to the ranks of members of the capital's stock exchange. Since 1998, Uniastrum Bank is a member of the Moscow Interbank Stock Exchange, which gave him the opportunity to conduct foreign exchange operations abroad. Since 1999, he has been developing a regional network of his offices, which today in the Russian Federation there are more than 100 in 60 cities.

About the correctness of the chosen way of "Uniastrum Bank" is evidenced by its acceptance in 2001 as a member of the World Interbank System SWIFT. The recognition of the team's professionalism, the leading institution, was its entry into the 2002 International Visa International payment system.

Today the authorized capital of Uniastrum Bank is 5,900,865,000 rubles. The clients' feedback from Uniastrum Bank indicates that this institution is a recognized leader in the sphere of work with small and medium-sized businesses. He carries out a full range of banking services, including lending. Attractive this bank makes the professionalism and responsibility of its employees, which allows you to make quick and flexible decisions in favor of customers. In addition, Uniastrum Bank is a participant of the mandatory deposit insurance system since 2004.

Deposits for individuals

In "Uniastrum Bank" three variants of deposits for individuals are offered. They can be both in rubles, and in dollars, euros. The difference between deposit programs is the minimum deposit amount, interest rate and timing, which makes it possible to meet the needs of all categories of the population in this service. Reviews show that people with different financial capabilities can save their savings.

A very popular contribution is the "Big Percent". The program is designed for approximately 1 year with the possibility of automatic prolongation. The contribution is possible in rubles, dollars, euros. The minimum deposit amount in the domestic currency is 20 thousand (in foreign currency - 2 thousand). The maximum - 1 million rubles (in dollars, euro - 500 thousand). The interest rate on the deposit in Russian monetary units is 8.75%, in American and European - 1.5%, payable at the end of the deposit period.

Clients' comments indicate that they like the contribution of "Social". The program has more flexible deadlines: from 181 days to two years. The interest rate of this deposit in rubles varies depending on the terms - from 8 to 9 percent per annum. In dollars and euros, usually the percentage is stable and equal to one. In addition, this contribution provides interest payments monthly.

At the same time, the contribution of "Universal" is also rated positively. It is designed for customers who are served under the "Big Percent" program. The terms of its placement are more liberal: from 91 days to 1 year. Interest rates in rubles range from 10% to 11.75%, in dollars and euros from 1.2% to 2%. Interest payments are made every month.

With regard to the deposit "On Demand", then about this program you can hear only laudatory reviews of the clients of Uniastrum Bank. According to them, it allows you to quickly manage the funds and use them without restrictions if necessary. Interest rates in rubles are 1%, in dollars - 0.5%, in euros - 0.2%. Payments are also monthly.

Deposits for legal entities

For this category, other programs have been developed:

• Deposit "Maximum income". This type of deposit allows you to place your funds in rubles for a period of 7 days to 12 months, in dollars and euros - from 61 days to 1 year. "Uniastrum Bank", whose reviews contribute to the growth of its popularity among customers, offers interest rates in rubles: from 8.5%, in euros and dollars, they start at 2.25%.
• Deposit "Business approach". Designed for 1 year. Interest rates on deposits in rubles start from 8.25% and end at 11%. If you take into account the dollar and the euro - from 0.75% to 3.75%. Positive feedback is also prevalent about this program. "Uniastrum Bank" always comes to meet the regular customers. In case of opening a deposit for the amount of 1 million, the rates will be calculated individually.
• Deposit "Active capital (ruble)". Deposits for this type are carried out only in rubles. The term of placement of funds is 1 year. The interest rate is 10.5%. With early partial demand for funds, it decreases. This is evidenced by the reviews. "Uniastrum Bank" appreciates its customers who adhere to the terms of the agreement. Payments on the deposit are made at the end of the deposit period.
• Deposit "Active capital (USD-Euro)". The program is calculated in most cases for deposits in dollars and euros. Deposit terms from 31 days to 1 year. Feedback on the deposits of Uniastrum Bank allows us to state that interest rates are calculated depending on the terms of placement of the deposit and range from 1 to 3.5%.

Credit programs for individuals

Uniastrum Bank, whose reviews are available in the media, recognizes consumer lending as an important line of business. The financial institution offers a huge range of services in this area. The main programs will be described below.

1. Available credit. This type is provided for non-cash payment for goods and services for a period of 1 to 60 months. The amount of the contract varies from 10 to 500 thousand rubles. Interest rates increase depending on the increase in the maturity of the loan and are from 16 to 41.3% per annum. This type of lending provides for life and health insurance of the borrower, possible loss of work.
2. Corporate loan. The program is designed for customers holding plastic cards of the bank that have a positive credit history. The objectives of issuing a loan "Corporate" coincide with the goals of "Affordable." The amount of the contract varies from 10 thousand rubles to 1 million rubles. Interest rates are lower than in the previous package and are from 15 to 32.6% per annum. This program also provides insurance.
3. Credit "Exclusive". The amount in this package is calculated from 500 thousand to 1 million rubles. Interest rates range from 14.9% to 22.9%. This kind provides for life and health insurance of the borrower, possible loss of work. If you believe the customer feedback, the program is very popular.
4. Credit "Reliable Partner". The amount in this package varies from 10 thousand to 1 million rubles. Uniastrum Bank offers interest rates that depend, as in previous credit packages, on maturities (from 1 to 60 months) and are within 13.5-26.6% per annum.

Crediting of legal entities

In the framework of working with loans, a special place is taken by lending aimed at the development of small and medium-sized businesses. In this direction Uniastrum Bank has developed special programs. They give the capital for the promotion of entrepreneurial activity in the market, the activation of retail trade in food products, restaurant business. In addition, their activities provide for the issuance of loans for landlords, those that are aimed at the development of dentistry, beauty industry, pharmaceuticals. "Uniastrum Bank" (Armavir) is quite active in these areas. The feedback from specialists shows that such programs contribute to the expansion of the spectrum of small and medium-sized businesses in general.

Loan for business development

Strives to satisfy the needs of its clients "Uniastrum Bank". Work, reviews about which are more positive, aimed at supporting business. It also carries social connotations. This type of lending is universal, designed to facilitate small and medium-sized businesses in the implementation of their ideas. Within its framework, the amount reaches 50 million rubles, the interest rate starts at 18.1% per annum. This type of loan can be issued to an individual. The loan period is up to 96 months. Such a contract provides for mandatory pledge obligations for immovable and movable property.

Separate attention deserves credit for retail food. The contract can be concluded for up to 20 million rubles. Its interest rate starts from 18.1% per annum. The period for which it is calculated is a maximum of 96 months. The loan is issued against the pledge of the borrower. In addition, his business should be pre-operational for at least a year and be profitable. Reviews of employees of Uniastrum Bank indicate the relevance and relevance of this type of lending.

The issuance of capital to the owners of the restaurant business, retail trade in spare parts, tires and disks, beauty salons, hairdressing salons is carried out under similar conditions. Uniastrum Bank offers excellent conditions for business. Staff feedback shows that the programs are designed to meet the different needs of customers.

Other types of loans

The credit line for landlords is calculated for up to 50 million rubles for a period of 96 months and a starting interest rate of 18% per annum. Obligatory conditions for the borrower is a mortgage of real estate, a guarantee of the Fund for supporting small and medium-sized businesses, as well as additional collateral guarantees in the form of movable property. For owners of the pharmacy and dental business, Uniastrum Bank has developed favorable credit terms. Their conditions are identical to those described above for entrepreneurs. The requirements for the borrower's business are simple: functioning for at least 2 years, profitability. This loan is provided on the security of real estate.

For legal entities, short-term loans secured by movable property are also possible. The maximum amount is 20 million rubles, the starting interest rate is from 20.1% per annum, the maximum period is 36 months. The contract can be concluded under certain conditions: pledge of movable property, surety of legal entities and Fund for support of small and medium business. You can get a loan in the event that a private entrepreneur works in his niche for at least 24 months and receives a profit.

Lending to corporate clients

Uniastrum Bank pays great attention to cooperation with corporate clients. Mutually beneficial partnership is a guarantee of business profitability. The bank has developed the U-Business Prime program, which provides loans to corporate customers for up to 96 months for an amount of 20 million rubles with a starting interest rate of 17% per annum.

For this target audience, trade and structured lending programs have also been developed. In the first case, they are issued for up to 1 year, in the second - up to 7 years. To obtain such capital, it is necessary to have contractual obligations with a foreign exporting company. In this sphere, we offer attractive conditions for the establishment of Uniastrum Bank LLC. Customer testimonials show that credit programs allow you to develop in the required business direction. The financial institution has developed a serious corporate client base, which indicates its reliability.

Additional services for individuals

The Bank provides services for guaranteed storage of valuables by placing them in safe deposit boxes, renting an account machine or a currency detector. And also with the help of recalculation and verification of the authenticity of monetary units, the exchange of cash and currency, collection and transportation of valuables. "Uniastrum Bank" also carries out partner programs of social insurance, as well as life, health, property and civil liability of clients.

Additional services to legal entities

As the testimonies testify, Uniastrum Bank offers the implementation of payment of wages on favorable terms to its legal partners. The design of the salary project will make it possible to protect against fraudulent cash operations, eliminate the need to transport cash, promote transparency of operations, expand the financial capabilities of customers by opening a credit card.

"Uniastrum Bank" for corporate clients carries out leasing activities. Leasing products are real estate, equipment, vehicles. Attractiveness of the leasing transaction in the bank is due to low interest rates, long financing periods, the ability to apply without advance payment when making a pledge.

Internet banking

It develops and functions with due regard for the time trends of Uniastrum Bank. Reviews of depositors indicate that it is convenient to have an electronic version of this institution. Thus, it is possible to carry out in real time any banking operations on its gadget without visiting the branch of the institution. Positive is the possibility of personal control of all payments. Pleases customers and the absence of any commissions, rational allocation of time. Summarizing, we can confidently talk about the reliability, accessibility of the bank "Uniastrum" and recommend it for cooperation both to individuals and legal entities.

The most important criterion of reliability is, if we consider Uniastrum Bank, a rating. The feedback from specialists shows that, as of the beginning of 2016, the institution is rated as stable. The client base of Uniastrum Bank includes over 18,000 small and medium-sized businesses. In addition, according to the results of 2009, the financial institution was recognized as the most stress-resistant bank by the National Award version. In 2010, the bank was awarded the same premium for the best retail loan. 2013 for the institution is marked by a reward for the introduction of modern banking technologies.

Negative feedback

Each dissatisfied customer also seeks to leave a comment about Uniastrum Bank. License No. 138-00180-211400 is a confirmation that the institution functions legally. But people say that the problems are most often associated with the unscrupulous work of employees of some departments. Unfortunately, not many modern people are distinguished by financial literacy. Economists of the offices should provide the fullest possible information on deposit and loan programs. If this was not done in a timely manner, a misunderstanding arises between the bank and the client. And as a consequence - negative.

Compliance with the terms of the contract is a step towards fruitful cooperation with the financial institution. Experts also leave their feedback. "Uniastrum Bank", they say, offers quite attractive conditions, if we resort to comparison with other similar organizations.