OJSC "Moscow Credit Bank": reviews and characteristics

A full package of services for individuals and corporate clients, as well as universal products and specially developed programs, is provided by OJSC "Moscow Credit Bank". Clients' feedback about him, which always characterizes the work of any institution, is of a different nature. However, this is normal, since only those who do not work are not mistaken. First, let's give a characterization to the bank.

OJSC "Moscow Credit Bank" has been operating for more than 20 years. Feedback and rating among the 100 largest private banks in the Russian Federation show that the IBC is in the top twenty by the size of its own capital, structure and volume of liabilities to customers.

The territorial network of the IBC is located in Moscow and Moscow region, there are more than 70 branches. For the convenience of clients, all branches of the bank are open 7 days a week and have an extended service schedule.

The services provided by the IBC include: public deposits, all types of lending, private pension funds and brokerage services.

Varieties of deposits are not so many, there are only four types:

1. "Accumulative + deposit" - opens in rubles, euros and US dollars. The annual rate will depend on the term of the deposit: the longer the period, the higher the rate. In rubles, it ranges from 9.25% to 10.25%, in currency - from 2.5 to 3.5%. But if the deposit is made through the "MKB-online" system, interest rates will be higher.
2. "Savings deposit" - opens also in rubles and currency, is non-renewable, interest rates practically do not differ from the accumulative contribution.
3. "Estimated contribution" - involves spending transactions within the amount that exceeds the minimum balance. The deposit allows you to increase your savings and at the same time use part of your funds.
4. "On demand" - a traditional deposit with the ability to replenish and spend funds without limits on amounts.

The most interesting loan product of this bank is mortgage lending. And it is interesting because it is issued only with one document - a passport of a citizen of Russia. Buy housing in Moscow and the Moscow region can be, using this simplified system of mortgage registration.

The minimum amount is 700 thousand rubles, the maximum amount is 7 million rubles, the initial payment starts from 30%. The maximum payment period is 20 years. There is a possibility of early repayment. The interest rate on the loan is set individually. Everything depends on the initial payment, the repayment order and the loan term. The minimum interest rate is provided only for bank customers who have salary accounts or a positive credit history with OJSC "Moscow Credit Bank". Reviews, by the way, quite often refer to this item, since many, until the end does not understand, rely on one interest rate, and get a completely different.

What are the terms and conditions for the borrower offered by OAO Moscow Credit Bank? Problems can arise not only with the size of the interest rate. First, real estate must be located in Moscow or the Moscow region. Secondly, the client's employer must be registered only in Moscow or the Moscow region.

If you decide to take a car loan in the IBC, then registration of your employer must also be in Moscow or its region. Your permanent registration can be anywhere in Russia, except for the following regions: Dagestan, North Ossetia, KCR, Adygeya, Chechen Republic, Kabardino-Balkaria, Stavropol and Krasnodar Territory.

And, of course, it will not be superfluous to ask the opinion of clients of OJSC "Moscow Credit Bank". Feedback will help you not to make any mistakes, save your time and money. For example, the terminals of the ICD do not accept 5-thousand bills, and if you contact them at the cashier to exchange this note, you will have to pay a commission fee.