Bank Eastern New Year's loan. How to get a loan from Orient Express Bank? How to repay a cash loan "New Year"

12.10.2021

Loans in Eastern Bank how to apply and receive money for favorable conditions?

Interest (per annum): 12%

Loan amount: 1,000,000

Duration: 5 years

Registration: 1 day

PJSC KB "Vostochny" License of the Central Bank of the Russian Federation 1460 dated October 24, 2014, Phone: 8 800 100 7 100, Address: Russia, 675000, Amur region, Blagoveshchensk, lane. St. Innocent, 1. INN 2801015394, KPP 280101001, OGRN 1022800000112. Annual interest rate: from 11.5% to 19.9%. Loan term with extension: unlimited.

Why should you take out a loan from Eastern Bank? What tariff should I choose, and what documents are needed to transfer money?

Orient Express bank consumer loan cash offers clients on favorable terms! Interest rate- 12% per annum, maximum amount- up to 1,000,000 rubles per consumer needs, and up to 15 and 30 million rubles, for intended use on bail.

How to get a consumer loan in cash from Vostochny Bank?

First, you should submit an application so that the bank considers the potential client and finds out his goals and capabilities. To apply for a loan from Orient Express Bank, an applicant can choose two ways:

The first option is beneficial for those who cannot independently decide on the most suitable loan program and expect to receive outside help bank employee. Having assessed your solvency, the employee will tell you what conditions you can count on, what the loan amount will be, and what will be included in the package of documents. The average waiting time for a response is 30 minutes.

It's easier to apply online. To do this, you don’t even have to leave home or take time off from work. The main condition is to have a computer connected to the Internet. You independently indicate your passport data in the form and confirm the request by mobile phone.

In order for the application to be successfully submitted, you will need to enter a one-time code in the appropriate field, sent to the phone number specified in the application.

What lending conditions can clients expect from Vostochny Bank?

To get a loan from Vostochny Bank, a borrower will only need to provide a passport if he needs an amount in the range from 25 to 200 thousand rubles. It can be issued in one day at the “Seasonal” tariff. Decision making time is from 15 minutes.

When it comes to a larger loan, up to 500 thousand, at the “Big Money” tariff, you must provide an additional identification document. In addition to your passport, you will need one of the following documents to choose from:

international passport;
driver's license;
pension certificate;
SNILS.

A person must confirm his financial solvency. To do this, you must submit a 2-NDFL certificate or according to the bank’s form. Must have at least 3 months of work experience in your last job. Minimum amount The loan, which is taken out according to 2 documents, is 50,000 rubles. Interest rate - from 14.9% per annum.

In both cases, the money (principal) with interest must be repaid within a period of 12 to 36 months.

For the convenience of clients, the official website of Eastern Bank has loan calculator, with which you can calculate the amount of the monthly payment and the amount of interest overpayment in a few minutes. The loan repayment schedule will also be provided upon concluding the agreement. Citizens can select the tariff they are interested in from the following list:

"Seasonal"
"Pension"
"Equal payment"
"More money"
"Car loan"
"Car secured"
"Secured by real estate"

If you require an amount exceeding 500,000 rubles, Eastern Bank ready to meet halfway and increase credit limit up to 1-15 million. Loans “Secured by a car” and “Secured by real estate” are approved in most cases. Money can be used for:

acquisition new real estate,
treatment,
opening a business,
renovation work,
solving difficult situations, etc.

IN in this case In addition to an expanded package of documents, including collateral, you will also need a guarantor. Consumer loans in the amount of 1,000,000 rubles are issued for a period of 240 months. The rate depends on many factors and can be reduced to 9.9% per annum. .

Registration online applications takes a little time from 5 to 15 minutes. To take out a loan from Vostochny Bank for the first time, you should fill out an electronic form. The application must indicate:

Full name,
date of birth;
registration and residence address;
number mobile phone;
email;
and passport details.

By clicking on the “Apply” button, a window opens in which you should select the desired amount and loan term. After clicking the “Select” button, Vostochny Bank will select a tariff that suits the client’s requests. After reviewing the proposed option, you should begin filling out the questionnaire. It consists of several stages. Try not to make mistakes to avoid automatic failure. Loan approval largely depends on whether the information provided in the application form is correct..

Before you start filling out an online application at Orient Express Bank, carefully calculate your income and expenses. Only after this, proceed to choosing a loan program and fill out a form, indicating the loan amount that will be feasible for your budget. Experts recommend not to exceed 30% of family budget to pay off the loan debt.

Review of the application takes from 15 minutes to 1 day. The solution is sent to the client via SMS or call.

What requirements does the banking organization put forward for the borrower?

Receipt consumer loan in the Orient Express bank occurs on the basis of the conclusion of a loan agreement, and is accompanied by a number of requirements for to an individual. For the lender to approve the demand. cash loan, you must meet the following requirements:

be a citizen of the Russian Federation;
be registered in locality, where there is a branch of Orient Express Bank;
have worked at the last job for at least 3-6 months (for persons under 26 years of age - have a total work experience of at least 1 year);
confirm solvency;
be in the age range from 21 to 76 years (taking into account the loan term at the time of the date of the last payment).

Attention!

If your age is from 21 to 26 years, then you need to confirm your official employment. If you are 26 or older, you will only need to provide your passport to complete your application.

Among the main advantages, it is necessary to note not only the possibility of obtaining a loan in the maximum short terms, but also no need for compulsory insurance health and life of a potential borrower. The banking institution offers citizens a wide range of loan programs, among which everyone will be able to find a suitable option. When submitting an electronic application, the client can count on the following bonuses:

prompt notification of the decision made;
ease of filling out the form;
low interest rates - from 12-19% per annum;
visit of a specialist to your home to prepare documents;
minimum package documents.

Besides consumer lending clients can open accounts and deposits, order debit and credit cards of Visa and MasterCard standards, use payments and transfers, as well as online services by connecting to Internet banking.

Recommend Vostochny to your friends and get a bonus! If, on your recommendation, someone gets a loan or orders a credit card, you both will receive nice bonuses. They just need to indicate you as the one who recommended using the bank’s services. On at the moment For each client you will be credited 1000 rubles, and a friend 500 rubles.

How is the loan repaid?

cash through branches and ATMs;
by bank transfer using bank cards or account;
repayment of loans through Russian Post;
online with personal account client (via Internet banking or via mobile application"Orient Express");
cash registers.

Fines for non-compliance with the payment schedule

We draw your attention to the fact that a loan from the Eastern Bank implies a multi-stage system of calculating penalties for late payments. The penalty increases with each subsequent delay. For example, having overdue monthly payment for the first time, you will pay 800 rubles to the cashier. For the 2nd delay you will be required to pay 1300 rubles. For the 3rd delay the penalty will be 1800 rubles. More detailed information is indicated in each tariff. You will find instructions for payment methods.

Contacts and details

PJSC KB "Vostochny"
Legal address coincides with the actual one: 675000, Amur region, Blagoveshchensk, lane. St. Innocent, 1
License of the Central Bank of the Russian Federation No. 1460 dated October 24, 2014
INN: 2801015394
BIC: 041012718
OGRN: 1022800000112
Official website www.vostbank.ru
Telephone hotline 8 800 100 7100

To quickly resolve problems, you can use the form feedback on the official website. In the “Help” section, just indicate your question and select a convenient form to receive an answer (by email or by phone). Would you like to take out a loan? Click on the green button and fill out the online application!

On the eve of the New Year 2014, Orient Express Bank presented a new credit program- CASH LOAN "NEW YEAR"!

Amount from 50 000 to 500,000 rubles

Loan term from 3 to 36 months

Interest rate from 14% per annum

We invite readers of the site to familiarize themselves with the terms and interest rates of the loan product.

Rate from 14% per annum
Cash loan solution – less than 5 minutes
On any goals
For registration you only need passport
Without certificates and guarantors*

At Orient Express Bank you can get a loan without certificates or guarantors 2 for any needs. To apply for a loan, apply for cash directly on the website - and receive an SMS with a decision on your mobile within 5 minutes.

Loan amount: from 50,000 to 500,000 rubles;
Loan term: from 3 to 60 months

Life and health insurance of the borrower: carried out in accordance with basic conditions to secure the loan depending on the terms of the loan.
Purpose: express loan for urgent needs;
Validity period accepted credit decision: 27 days;
Credit holidays: it is possible to grant a deferment of payment of the principal debt in the manner established regulatory documents Jar. Credit holidays are provided for a period of 1 to 3 months;
Decision time:– 5 minutes. The loan issuance period is 1 day.

REQUIREMENTS FOR THE BORROWER

age from 21 to 65 years;
citizenship of the Russian Federation;
residence and registration in the territory where Eastern Express Bank operates;
work experience in the last place for at least 3 months;
having a stable income in an amount that allows you to service the loan.

HOW TO GET A "NEW YEAR'S" CASH LOAN?

Submit your application!
In order to receive a loan, you need to fill out an application. You can do this right now. Time to fill out the application - 5 minutes!
Get a solution. On cell phone specified in the application, you will receive an SMS message with a decision. Decision making time is up to 5 minutes.
Take a loan!
at any bank office throughout the service territory
at home or in the office.

Documents for obtaining a cash loan "New Year"

To register on the site you will need only passport details.

To submit an application at the branch, as well as to receive a loan, you must provide a Passport of a citizen of the Russian Federation. For clients under the age of 25 inclusive, any application amount is also required to choose one of the documents confirming the applicant’s income 3 and/or employment 3

Required documents for issuing up to 200 TR:

Passport of a citizen of the Russian Federation

Necessary documents for issuance from 200 tr. up to 300 TR:

Passport of a citizen of the Russian Federation
Additional document to choose from (see below)

Necessary documents for issuance from 300 tr. up to 500 TR:

Passport of a citizen of the Russian Federation
One of the documents to choose from confirming income:
- Help 2-NDFL
- Certificate on Bank form + Additional document (see below)

How to repay a cash loan "New Year"

Through payment terminals of Eastern Express Bank. You can repay loans issued by Oriental Express Bank through its own network of payment terminals located in the branches of Oriental Express Bank, as well as in “Zones 24”.
In Internet banking. You can repay loans issued at Orient Express Bank without leaving your home or office through Internet banking. The payment process takes only a few minutes, loan repayment occurs quickly, in real time.
At the Eastern Express Bank branch. If you have an Eastern Express Bank card, you can pay the loan to the branch’s cash desk, which will significantly save time. If you don’t have one, plastic card with you, you should contact a specialist in the operating room, then make a loan payment at the branch’s cash desk.
In your absence, the loan can be repaid by a third party upon presentation of your passport and loan agreement.
In branches of third-party banks. Through any third-party bank using the “interbank transfer” service (transfer details are contained in your loan agreement). A third-party bank commission will be charged for the transaction. Also in accordance with your tariff plan A fee may be charged for crediting non-cash funds to repay the loan received by transfer from a third-party bank. The transfer is carried out within 3-5 business days, so we recommend making payment in advance.
Attention! In accordance with your tariff plan, a fee may be charged for crediting non-cash funds for loan repayment received by transfer from a third-party bank.

1 The interest rate depends on the client’s status, quality credit history, availability of benefits. A more accurate calculation is made individually for each client at the branch of OJSC CB Vostochny. 2 Without certificates for a loan amount of up to 200 tr. 3 Documents confirming the income and employment of the Client/Guarantor must be certified by the employer, in accordance with the requirements of the Procedure for assessing the authenticity of documents. The list of documents confirming the income and employment of different categories of citizens is approved by a separate order of the Bank.

List of additional documents possible to obtain a loan:

A valid foreign passport in the name of the borrower with a stamp of travel abroad.
PTS (Vehicle Passport) / Certificate of Registration vehicle in the name of the borrower who owns the car. The age of the car is no more than 10 years at the time of application for domestic cars and no more than 10 years for foreign cars.
Driver's license (with the declared amount taking into account the total credit debt borrower from the bank up to 200,000 rubles. inclusive).
Certificate of registration of ownership rights to residential and non-residential real estate, in which the borrower is indicated as one of the owners. *
A copy of the borrower's work record, certified by the employer.
The endorsement must be accompanied by the date. The date of certification must be no more than 14 days from the date of filing the loan application.
Pension certificate.
An official identification card of an employee of any executive, legislative or judicial authority, including any law enforcement agencies, in the name of the borrower.
A term deposit agreement in the amount of 200,000 rubles, with a conclusion date no more than 6 months ago. * *
Account statement from debit balance not less than 50,000 rubles.**
Account statement with reflection monthly charges for the period from three months, and the average amount of accruals should not be less than 20,000 rubles.**
Military Personnel Identification Card (SID).
Employee or employee identification card Federal Service Security of the Russian Federation.
Service ID of an employee of the Ministry of Internal Affairs of the Russian Federation.
Military ID for military personnel serving under a contract (subject to the requirements of Appendix No. 2).
Original or notarized copy of the lease agreement and certificate of ownership of the rental property.
Agreement equity participation for real estate construction.
An official identification card of an employee of the enterprise (with the obligatory presence of a photograph of the applicant), or a certificate from the place of work about employment at this enterprise, certified by the seal of the organization (valid only for employees of the specified enterprises).
Mandatory contract pension insurance on the transfer of the funded part of the pension to a non-state pension fund(applies to any non-state pension fund).

It has long been customary to give gifts on New Year's holidays. That is why various discounts and promotions appear in almost all stores and shopping centers. This tradition has not bypassed credit organizations. After all, in order to give yourself or your loved ones an unforgettable gift, you need money, but you don’t always have it in the right amount. The most optimal solution to this problem is. Many credit financial institutions hastened to develop special programs loans valid during the New Year holidays.

So, for example, especially for New Year's holidays Oriental Express Bank gives its clients a favorable interest rate on a credit program, the conditions of which we will consider in this article. We all expect miracles and fulfillment of wishes from the New Year. On this holiday, Orient Express Bank is ready to help implement them. A “New Year’s” loan can be issued at an interest rate of only 15% per annum.

Borrowers can apply for a loan very quickly - the standard time for them to receive a decision on their application does not exceed fifteen minutes. And on the eve of a holiday, when pleasant chores are added to everyday affairs, time is more valuable than ever. It is enough to contact the nearest office or simply to get a holiday loan.

General conditions for the New Year loan A New Year's loan is issued in rubles for a period of twelve to thirty-six months. Sum borrowed funds can range from twenty-five to three hundred thousand rubles. When submitting an application online, a decision will be made within five minutes. As for the annual interest rate, it depends on the loan amount, the client status of the borrower and his. In other words, if you are a former client of the bank, you have an ideal credit history, and you need about fifty thousand money, you have a good chance of getting a “New Year’s” loan at 14.9% per annum. In general, the annual interest rate for this program ranges from 14.9 to 59.5% per year.

As for insurance, when applying for a New Year's loan, the borrower gets the opportunity to insure himself against accidents and loss of work. In case of unforeseen circumstances, insurance company will pay the client's loan payments. Two insurance programs are available to borrowers: “Life and disability insurance for borrowers” and “Job loss insurance.” These services are not prerequisite and do not influence decision-making on loan application. Insurance is provided at the client's request.

Requirements for borrowers:

The application can be submitted by clients aged from twenty-one to seventy-five years, taking into account the loan term;

Borrowers with citizenship of the Russian Federation are considered;

Registration and residence of the client mainly in the territory of presence of the Eastern Express Bank branch; At least three months of work experience at the last place of work is required;

Mainly the presence of a stable income in an amount that allows you to repay the loan.

. Borrowers over the age of twenty-five will only need a passport when applying for a loan in the amount of twenty-five to two hundred thousand rubles. When borrowing an amount of more than two hundred thousand rubles, you need a passport and any other document of your choice:

1. certificate in form 2NDFL;

2. information about wages according to the bank form;

3. a copy of the work record book, certified by the employer;

4. copy employment contract, certified by the employer.

In addition, you can provide other documents, having previously agreed with the lender. This may be a mandatory policy health insurance, SNILS, payment receipts, driver’s license, personal plastic card of a third-party bank and much more. Applications from potential borrowers aged from twenty-one to twenty-five years are accepted for consideration if they have a passport and any second document to choose from the list presented above, regardless of the required loan amount.

Credit holidays. Loans under the New Year program are covered by the Credit Holidays service. There are times in every person’s life when it is difficult to make a timely payment. monthly payment on loan. Whatever difficult situation Whatever the borrowers find themselves, with the “Credit Holidays” option from Eastern Express Bank they can be confident in the future, because the bank can provide a deferment in making payments to repay the principal debt on the loan.

By prior agreement with the bank, within the framework of the “Credit Holidays” program, you can pay only interest on the loan for one to three months. In this case, the period is increased by a time equal to the duration of the credit holiday. At the same time, during the billing period it is necessary to pay interest on the loan throughout the entire period of the credit holiday.

Credit holidays are provided:

For a period of one to three months;

Not earlier than three months after the loan was issued;

The period between holidays is at least three months.

During the credit holiday period, the interest rate on the loan remains unchanged. After the end of the credit holiday, the size of the payment and the timing of its payment also remain unchanged. The bank has the right to refuse to provide credit holidays or change the period for which they are provided, without specifying reasons.

Consumer loan from Eastern Express Bank in rubles in the amount of 2,000-150,000 rubles, with an interest rate of 8.02% per annum for a period of up to 2 years. Repayment scheme - annuity payments (monthly in equal installments). Available for any purpose

Expert opinion website about the pros and cons of this consumer loan, found by comparing the services of Moscow banks:

no loan collateral requirements;
low interest rate;
no commissions;
without work experience;
consideration of the application in an hour;
there are insurance requirements;
significant penalties for late payment;

Terms and rates of consumer loans

Main characteristics of a consumer loan

Bank providing the service Orient Express Bank(Moscow) Place of conclusion of the contract in bank offices and branches Purpose of the loan any purpose Calculation scheme annuity payments (in equal shares) Early repayment Free early repayment Payment methods ATMs, bank tellers, non-cash payment or transfer, payment terminals, Russian Post branches

Requirements for a consumer loan recipient

Age limit for men from 21 to 75 years Age limit for women from 21 to 75 years Registration required Total work experience doesn't matter Length of work at last place of employment at least 3 months

Documents confirming income

By personal income tax form not required

Insurance

The interest rate increases by 10% if you refuse to join the Life and Work Capacity Insurance Program for loan borrowers and holders credit cards OJSC KB "Vostochny"

Additional information

Fine for violation by the client of the date of the next repayment of credit debt: 590 rubles. for the fact of arrears

The loan "0-0-24" has these rates and conditions only for Moscow. In other cities of Russia, the conditions for obtaining this consumer loan may vary slightly; you can study them in the corresponding section on the website.

On the eve of the New Year 2014, Orient Express Bank presented a new credit program - CASH LOAN "NEW YEAR"!

Amount from 50 000 to 500,000 rubles

Loan term from 3 to 36 months

Interest rate from 14% per annum

We invite readers of the site to familiarize themselves with the terms and interest rates of the loan product.

Rate from 14% per annum
Cash loan solution – less than 5 minutes
On any goals
For registration you only need passport
Without certificates and guarantors*

Loan amount: from 50,000 to 500,000 rubles;
Loan term: from 3 to 60 months

Life and health insurance of the borrower: carried out in accordance with the basic conditions for securing the loan, depending on the terms of the loan.
Purpose: express loan for urgent needs;
Validity period accepted credit decision: 27 days;
Credit holidays: It is possible to provide a deferment of payment of the principal debt in the manner established by the Bank's regulatory documents. Credit holidays are provided for a period of 1 to 3 months;
Decision time:– 5 minutes. The loan issuance period is 1 day.

REQUIREMENTS FOR THE BORROWER

age from 21 to 65 years;
citizenship of the Russian Federation;
residence and registration in the territory where Eastern Express Bank operates;
work experience in the last place for at least 3 months;
having a stable income in an amount that allows you to service the loan.

HOW TO GET A "NEW YEAR'S" CASH LOAN?

Submit your application!
In order to receive a loan, you need to fill out an application. You can do this right now. Time to fill out the application - 5 minutes!
Get a solution. An SMS message with a decision will be sent to the cell phone number specified in the application. Decision making time is up to 5 minutes.
Take a loan!
at any bank office throughout the service territory
at home or in the office.

Documents for obtaining a cash loan "New Year"

To register on the site you will need only passport details.

Required documents for issuing up to 200 rubles:

Passport of a citizen of the Russian Federation

Necessary documents for issuance from 200 tr. up to 300 TR:

Passport of a citizen of the Russian Federation
Additional document to choose from (see below)

Necessary documents for issuance from 300 tr. up to 500 TR:

Passport of a citizen of the Russian Federation
One of the documents to choose from confirming income:
- Help 2-NDFL
- Certificate on Bank form + Additional document (see below)

How to repay a cash loan "New Year"

Through payment terminals of Eastern Express Bank. You can repay loans issued by Oriental Express Bank through its own network of payment terminals located in the branches of Oriental Express Bank, as well as in “Zones 24”.
In Internet banking. You can repay loans issued at Orient Express Bank without leaving your home or office through Internet banking. The payment process takes only a few minutes, loan repayment occurs quickly, in real time.
At the Eastern Express Bank branch. If you have an Eastern Express Bank card, you can pay the loan at the branch’s cash desk, which will significantly save time. If you do not have a plastic card with you, you should contact a specialist in the operating room, then make a loan payment at the branch’s cash desk.
In your absence, the loan can be repaid by a third party upon presentation of your passport and loan agreement.
In branches of third-party banks. Through any third-party bank using the “interbank transfer” service (transfer details are contained in your loan agreement). A commission from a third-party bank is charged for the operation. Also, in accordance with your tariff plan, a commission may be charged for crediting non-cash funds to repay the loan received by transfer from a third-party bank. The transfer is carried out within 3-5 business days, so we recommend making payment in advance.
Attention! In accordance with your tariff plan, a fee may be charged for crediting non-cash funds for loan repayment received by transfer from a third-party bank.

1 The interest rate depends on the client’s status, the quality of credit history, and the availability of benefits. A more accurate calculation is made individually for each client at the branch of OJSC CB Vostochny. 2 Without certificates for a loan amount of up to 200 tr. 3 Documents confirming the income and employment of the Client/Guarantor must be certified by the employer, in accordance with the requirements of the Procedure for assessing the authenticity of documents. The list of documents confirming the income and employment of different categories of citizens is approved by a separate order of the Bank.

List of additional documents possible to obtain a loan:

A valid foreign passport in the name of the borrower with a stamp of travel abroad.
PTS (Vehicle Passport) / Certificate of registration of the vehicle in the name of the borrower, who is the owner of the car. The age of the car is no more than 10 years at the time of application for domestic cars and no more than 10 years for foreign cars.
Driver's license (if the declared amount takes into account the borrower's total credit debt with the bank up to RUB 200,000 inclusive).
Certificate of registration of ownership rights to residential and non-residential real estate, in which the borrower is indicated as one of the owners. *
A copy of the borrower's work record, certified by the employer.
The endorsement must be accompanied by the date. The date of certification must be no more than 14 days from the date of filing the loan application.
Pension certificate.
An official identification card of an employee of any executive, legislative or judicial authority, including any law enforcement agencies, in the name of the borrower.
A term deposit agreement in the amount of 200,000 rubles, with a conclusion date no more than 6 months ago. * *
Account statement with a debit balance of at least 50,000 rubles.**
An account statement reflecting monthly accruals for a period of three months, with the average amount of accruals not to be less than 20,000 rubles.**
Military Personnel Identification Card (SID).
Identity card of an employee or employee of the Federal Security Service of the Russian Federation.
Service ID of an employee of the Ministry of Internal Affairs of the Russian Federation.
Military ID for military personnel serving under a contract (subject to the requirements of Appendix No. 2).
Original or notarized copy of the lease agreement and certificate of ownership of the rental property.
Participation agreement for real estate construction.
An official identification card of an employee of the enterprise (with the obligatory presence of a photograph of the applicant), or a certificate from the place of work about employment at this enterprise, certified by the seal of the organization (valid only for employees of the specified enterprises).
Compulsory pension insurance agreement on the transfer of the funded part of the pension to a non-state pension fund (applies to any non-state pension fund).