To date, there are so many differentbanks, 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 lot 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.
The institution offers its clients four types of deposit: "Maximum Income", "Rentier", "Rechargeable" and "Convenient".
It is characterized by a high interest rate of up to 10%the 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? The size of the deposit must be at least 100 thousand rubles.
The second has the maximum interest rate slightlylower - 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 monthlyor 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.
You want to have constant access to your moneyon the 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.
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 commercialpoints or online stores. That is, you do not need to go to the store first, take an invoice, then come to the bank to make the necessary documents - employees who are in the outlets will help to make everything in place.
The amount of such a loan can fluctuate in the rangefrom 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 needmoney 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 lostsolvency, it is possible to conclude an agreement on restructuring the loan debt with a repayment schedule that the borrower will be able to perform.
Presented in almost every major cityRussian 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.