Gazprombank: consumer loan without much hassle

Loans issued for the solution of consumer needs are the most common credit programs of financial organizations. Such a service can be used to obtain education, carry out major repairs, purchase equipment or vehicles. Money to meet these needs is offered by Gazprombank. A consumer loan issued by this financial institution will help solve many life problems.

Despite a large number of different programs, this kind of loans can be divided into two broad categories:

1. Trust Loan - when there is an item in the concluded contract that determines the purpose of receiving funds. This could be the acquisition of higher education, the need for medical care, rest, buying household appliances and so on. If you take a consumer loan from Gazprombank for a specific purpose, you can get a softer loan conditions and a lower interest rate. The main disadvantage of the target program is that the financial organization can control the expenditure of funds. In some cases, the borrower may not even see the money received, because the bank immediately transfers them to the account of the service provider.

2. Non-earmarked - within the framework of such a loan it is meant to receive a certain amount of money for the satisfaction of pressing problems. One of the most profitable organizations for processing such a program is Gazprombank. Consumer loans for indeterminate purposes are issued to them at 16% per annum in rubles and 12% in dollars.

When making a loan, you can get money for a bank credit card. As a lien, the borrower can offer the organization any securities or property that is in its possession. To receive a loan, the client must satisfy certain requirements of the bank:

1. Age category. What is the minimum age of the client who can apply for help to Gazprombank? Consumer loans can not be issued if the borrower has not turned 20 years old, despite the fact that in the current legislation it is limited to 18 years. There is also a maximum age: the borrower should not be more than 65 years old.

2. Registration. The client must be registered in the same region where the main office or one of the bank's branches is located.

3. The volume of payments. The minimum amount that a borrower can receive under this credit program is 30,000 rubles, and the maximum amount is 1.5 million rubles.

The car as collateral object

The car today is one of the most popular collateral objects. In this case, the financial institution assigns an individual interest rate. Gazprombank, whose consumer loan is issued at the lowest interest, offers a rate of 13 to 15% per annum in the case of collateral in the form of a car. However, when receiving such a loan, you should pay attention to some of the pitfalls present in the contract that Gazprombank offers. A consumer loan can be issued only when paying a one-time commission for a loan of $ 100 . In addition, the customer will not be able to install a GPS counter on his car and continue to use it. He will have to place his property in a guarded parking lot, where it will remain until the loan is fully repaid.