If in early 2015 to take out a loan was problematic because of very high interest on the loan offered by banks, which in turn were equal to the 17 percent central bank rate( this is the rate at which the CB lends to commercial banks), but now, with a key rate of the Central Bank equal to 12.5% per annum, banks offer quite acceptable for individuals and legal entities interest on loans.
This rating will focus on consumer loans with the lowest interest rates for the summer of 2015.The rating does not include educational loans, but includes loans for goods, as well as loans granted for any purpose.
5 place. Cash on the security of real estate is the Bank for Housing Financing. The loan is issued for any purpose, can be used as a mortgage. The amount from 450 thousand to 11 million rubles. The maximum amount is determined individually and is up to 60% of the value of the mortgage apartment or 50% of the value of the mortgage personal house. The interest rate is 15.99% per annum with a term of 1 to 20 years.
4 place. Consumer loan secured by real estate - Sberbank of Russia. The loan is provided for any purpose on the security of the real estate available to the client.the amount from 1 to 10 million rubles. The lowest interest rate on this loan is 15.5% per annum under two conditions: up to 10 years inclusive and the loan-to-appraised value of the collateral real estate up to 40%.
see also Interest rates on consumer loans in Sberbank in 2015
3 rd place. Consumer loan secured by Bank Premier Credit. The loan is issued for any purpose on the security of real estate, vehicles, securities, etc. The amount from 30 thousand to 125 million rubles. The interest rate is from 14 to 22% per annum.
2 place. Monetary credit 12% plus - Sovcombank. The amount is up to 100 thousand rubles. The interest rate of 12% per annum for the targeted use of more than 80% of funds granted under the loan, and 17% per annum for the misuse of more than 20% of funds granted under the loan. Requirements: at least 4 months of work experience at the last place of work, age from 20 years, the end of the period of payment of debts under the consumer credit agreement must occur before the 85th birthday, permanent registration of at least 4 last months( in the territory of one settlement of the Russian Federation) and residence in the city of the presence of the bank subdivision or adjacent settlements( but no more than 70 kilometers from the border of the settlement).
1 place. Credit without overpayment. 0-0-24 - Network Bank. The amount from 10 thousand to 50 thousand rubles. Term - 1 year. The interest rate is from 7.35% to 29% per annum. The principles of interest rate formation on the site of Settle Bank could not be found.
