Tinkoff Mortgage works with different types of real estate in the primary and secondary markets, residential and commercial properties; helps to conduct mortgage transactions with various types of contracts, finds the possibility of lending to objects with redevelopment and other difficulties.

Features of Tinkoff Mortgages for each type of real estate: conditions, interest rates, advantages, as well as disadvantages, will be discussed in detail.

General requirements for obtaining loans through Tinkoff Ipoteka

Types of real estate

Tinkoff Ipoteka offers loan products, where the following types real estate:

• apartment in a new building;
• apartment on the secondary market;
• house or cottage;
• townhouse;
• apartments;
• room, share in the apartment;
• commercial real estate.

Apartment in a new building

Through Tinkoff Ipoteka, you can purchase a residential property under construction or already built, for which the right of ownership has not yet been registered.

When lending for primary housing, banks impose certain requirements on developers, their reliability, the availability of permits, as well as on construction projects. Each credit institution has a list of already accredited facilities.

When choosing an apartment from this list, the borrower does not need to present the legal documents of the developer and documentation for the object to the bank. It also reduces the processing time of the application.

In some cases, it may be necessary to evaluate the acquired property in a new building, for example, when the contract indicates an amount less than the real value of the object.

Through the Tinkoff Mortgage service for new buildings, a loan can be obtained using various schemes and types of agreements:

• under contract equity participation(DDU);
• concluding preliminary agreement purchase and sale;
• under the contract of assignment of the right of claim (cession);
• by participating in housing construction cooperatives (HBCs).

IMPORTANT! Apartments purchased through participation in housing cooperatives are not covered by the program of state support for mortgage lending.

Pros of a new build:

1. The cost of primary housing is less than the cost in the secondary market. The lower the percentage of readiness of the object, the lower the price.
2. New modern housing, new communications.
3. The interest rate on the loan is usually lower.
4. The possibility of obtaining a reduced rate through government subsidies.

1. The risk of delaying the commissioning of the object or bankruptcy of the construction company.
2. Prior to putting the object into operation, it is necessary to simultaneously pay the mortgage and rental payments for rental housing.
3. There may be a lack of developed infrastructure in the new microdistrict.
4. Undeveloped adjacent territory, lack of playgrounds, etc.

The Tinkoff Ipoteka service offers several types of loans secured by an apartment in the primary market:

• Tinkoff Mortgage with a reduced rate of 6% (with state support), down payment from 10%, up to 25 years. It is possible to use maternity (family) capital (MSK).

If there are no funds to pay the down payment, you can apply for a mortgage secured by another object. You can also use maternity capital funds as an advance payment.

Apartment on the secondary market

Mortgage of Tinkoff Bank for secondary housing is one of the most popular and affordable solutions to the housing problem.

Advantages of secondary apartments:

1. You can immediately live in the purchased apartment.
2. As a rule, secondary apartments are located in areas where there are already kindergartens, schools, medical institutions.
3. When choosing an option, the secondary apartment can be viewed, while the primary housing sometimes exists only in the plan.

1. Old houses have old communications.
2. Possible neighborhood with socially disadvantaged persons.
3. Little space for parking.
4. There may be problems with the legal purity of documents, rent debts, etc.

The Tinkoff Ipoteka service offers several types of loans secured by secondary apartments:

• Refinancing from 8.25%, up to 25 years.
• Tinkoff Mortgage from 8.25%, down payment from 10%, up to 25 years. It is possible to use maternity capital.
• Credit for any purpose from 11.25%, up to 20 years.

Tinkoff Mortgage secured by a house or cottage

The house is an individual object. This type of property is often found on the outskirts of cities or in suburbs, villages or towns.

The cottage is a small residential building. Most often, cottages are located in cottage villages outside the city, have the same layout and central communications.

The main difference between a private house and a cottage is the size. The area of ​​the house is usually about 100 sq.m, while cottages can be up to 500 sq.m. Houses with an area of ​​over 1000 sq.m. already belong to mansions or estates.

The procedure for obtaining a mortgage at Tinkoff Bank for the purchase of a house or cottage is similar to the procedure for acquiring any other property. You need to submit an online application, wait for the bank’s decision, collect documents for the building and the land under it, make an assessment of the object, get the approval of the creditor bank, sign an agreement, get a loan and pay for the purchase.

Advantages of buying a private house:

1. Individual housing, no neighbors.
2. Free layout, the ability to expand the living space.
3. The presence of a personal plot and additional buildings.

1. Travel time is increasing.
2. There may be a lack of infrastructure.
3. The cost of a country house is often higher than an apartment or townhouse.
4. Independent solution of communal problems.
5. The cost of maintaining a house or cottage is usually higher than an apartment.
6. A house valuation report is more expensive than an apartment valuation, because Not only the house is assessed, but also the land under it.
7. The amount of the down payment is more than with a mortgage on an apartment.
8. Review Process loan application longer.
9. There is no way to get a loan without submitting income documents to the bank.

Through Tinkoff Mortgage, you can get a loan secured by a house or a cottage under the following programs:

• Tinkoff Mortgage from 9.75%, advance payment from 20%, up to 25 years. It is possible to use MSC.

You can get a loan through the Tinkoff Mortgage service for the construction of a house or cottage, providing a pledge of another property, possibly owned not by the borrower, but by a third party.

Townhouse - a low-rise building of several semi-detached multi-level (2-3 storey) apartments, usually with separate entrances (without a common entrance). Most often, each townhouse apartment has its own garage and a small plot of land.

A townhouse can become a transitional stage between a city apartment and a country cottage.

Townhouse pros:

1. Minimum neighbors. There are no neighbors above and below.
2. A small private plot of land where you can put a gazebo, barbecue.
3. Fresh country air.
4. Own garage and parking space.
5. Comfortable housing of a larger area at the price of a two-room city apartment.
6. Maintenance is cheaper than maintenance of a country cottage.

Communal issues: cleaning, garbage disposal, landscaping, security - are most often organized centrally.

1. Increased travel time to the city.
2. There is not always a developed infrastructure: the lack of shops, pharmacies, schools and kindergartens.
3. Additional payment for the maintenance of the territory of the village.
4. When acquiring at the expense of credit funds, the down payment is higher than when pledging an apartment (from 20%). If a townhouse is acquired through participation in a housing cooperative, the advance payment may be even higher.
5. The cost of the appraisal report is higher than the appraisal of the apartment.

The Tinkoff Mortgage service offers several types of loans secured by a townhouse:

• Refinancing from 9.9%, up to 25 years.
• Tinkoff Mortgage from 9.75%, advance payment from 20%, up to 25 years. It is possible to use maternity capital.
• Credit for any purpose from 16.5%, up to 15 years.

The package of documents depends on the chosen creditor bank and loan product, type of contract - the basis for the acquisition, documents of the developer (for a new building), status land plot under construction.

Apartments are apartments located in a non-residential building.

Advantages of the apartments:

1. The market and cadastral value is 20-50% lower than the cost of an apartment comparable in size and location. The more prestigious the location, the greater the difference in price.
2. Hotel service in many complexes.
3. Free layout. There is no need to coordinate redevelopment with government agencies.

1. It is impossible to receive subsidies for housing and communal services and other social guarantees and benefits, since apartments do not fall under the category of residential real estate.
2. Property tax rate 0.5% of cadastral value, i.e. higher than for apartments (0.1%).
3. It is impossible to obtain permanent residence registration.
4. It is impossible to use maternity (family) capital when purchasing apartments or applying for a mortgage from Tinkoff Bank.

Through the Tinkoff Mortgage service, you can issue the following types of loans secured by apartments:

• Refinancing from 8.25%, up to 25 years.
• Tinkoff Mortgage with a rate of 8.25%; advance payment from 10%, up to 25 years.

The purchased apartments must meet the following conditions:

• location in a separate non-production building of at least 2 floors, not subject to demolition or reconstruction;
• the presence of a bathroom and connection to all central communications.

The composition of the package of documents for the purchase of apartments is similar to the package of documents for the purchase of an apartment, and depends on the selected bank and loan product, as well as the type of agreement-the basis for the acquisition, the developer's documents (for the purchase of apartments under construction).

Room/share in an apartment

Through the Tinkoff Ipoteka service, you can purchase a room or a share only if the borrower already owns the remaining square meters in the apartment, and after the purchase and registration will become the owner of the entire object. In this case, the entire apartment will be issued as a pledge to the creditor bank.

You can buy shares or rooms in an apartment using Tinkoff Mortgage at a rate of 8.25% (lower than that of some partner banks by 0.5%); minimum down payment 10%, up to 25 years. It is possible to use maternity capital.

commercial real estate

Commercial mortgage Tinkoff is provided only for the purchase of ready-made retail and office space located in capital buildings within the city limits.

Features of lending secured by commercial real estate:

1. The Tinkoff mortgage rate is 2-4% higher than residential mortgage loans, as commercial properties are less liquid. If the borrower stops paying on the loan, it will be more difficult for the bank to realize the collateral.
2. For the same reason, the size of the down payment is higher than for mortgages on residential properties.
3. The cost of assessing a commercial property is 30-50% higher than the cost of assessing a residential property or house.
4. The term of crediting is up to 10 years, while on the security of residential real estate - up to 25 years.

Tinkoff Ipoteka for individual entrepreneurs, lawyers, notaries, founders of LLCs and just for individuals working for hire, offers several types of loans for the purchase and / or secured by commercial real estate:

• Refinancing an existing loan.
• Mortgage from 14.5%, up to 10 years, advance payment from 40%.
• Credit for any purpose from 22%, up to 10 years, amount up to 15 million rubles.

The package of documents depends on the selected bank and loan product, the type of agreement that is the basis for the acquisition, as well as the borrower's source of income.

The article examined in detail all types of real estate objects with which Tinkoff Ipoteka works, their pros and cons, and features of mortgage transactions. The task of the borrower is to assess their financial capabilities, select an object for acquisition, a lending program and submit an online application through Tinkoff Ipoteka.

A profitable mortgage from Tinkoff without a down payment pleases many lucky people who own their own home. Use the Tinkoff mortgage calculator service to find the right loan amount for you and see the approximate amount of the payment. You don't have to travel anywhere, you can apply online.

Getting the missing amount is easy. Contact Tinkoff Bank and get an answer. A credit organization will help you get a mortgage without unnecessary questions and problems.

A feature of mortgage lending at Tinkoff is that it is not taking a loan from the bank itself, but from partners. The bank helps to get a discount from 0.25 to 1.1% at the rate. It's cheaper than going to the bank directly.

Tinkoff specialists send the questionnaire of the future borrower to the organizations with which they have signed a cooperation agreement. These are the banks:

• Uralsib;
• Trans Capital;
• AK BARS;
• Housing Finance Bank;
• Absolute;
• UniCredit;
• Intercommerce;
• Metallinvest;
• DeltaCredit;
• Investtorgbank;
• Oriental.

In turn, Tinkoff provides certain services to borrowers:

1. Providing advice on mortgage products of partner banks.
2. Reception of the questionnaire, documents and the first verification of the reliability of the information provided.
3. Help with mortgages. Loan calculation online.
4. Intermediary services with appraisal and insurance companies.
5. Conducting negotiations on the regulation of conditions between the partner bank and the client.

Services are provided free of charge. Partners pay for everything. In fact, it turns out that Tinkoff is looking for clients for other banks.

calcus.ru

Mortgage loans are issued for new apartments, rooms, houses, cottages, townhouses, for secondary housing, for construction and purchase of land under individual housing construction.

How is a mortgage arranged?

The procedure for applying for a home loan is as follows:

1. We visit the site Tinkoff tinkoff.ru.
2. Click on the "Submit Application" button.
3. We enter information about ourselves, work, accommodation in the lines. Write as authentically as possible.
4. Submit an application.
5. The manager will call the specified phone number in the questionnaire. He will clarify all the details, your intentions and ask you to provide scanned documents in electronic form.
6. The application will be submitted to the partner banks for consideration.
7. An answer will come. If several banks have offered loans to you, choose the perfect option for you.
8. Then you have to look for a home to buy.
9. After choosing, you need to go to the bank and find out what documents are needed to complete the transaction. Gather all paperwork.
10. The documents are checked and the bank makes the final decision.

Who gets approved for a mortgage?

Any person who meets the requirements set by the bank can get their own housing through a mortgage:

• The presence of Russian citizenship.
• Age over 21 years old, but not older than 75 years old.
• Employment and work experience of more than a year.
• At one place of work, a person must work for at least a month.
• The presence of co-borrowers. Usually involved up to 4 people.

Conditions

Mortgage in Tinkoff - the conditions in 2019 with a calculation calculator are quite clear and simple. Banks provide mortgages for the purchase of housing according to the following requirements:

1. The loan amount is not less than 300,000 rubles.
2. The term is set from 25 to 30 years.
3. Down payment of at least 15%.
4. Rates start from 10.5%.
5. Loan only ruble.

If there is targeted lending with collateral (self-purchased housing or land), then the following conditions apply:

1. The amount is not more than 70% of the assessed value of the property, but not less than 300 thousand rubles.
2. Lending time - 25 years.
3. No fee.
4. The minimum percentage is 13.35%.

Tinkoff mortgage calculator

Set your region. Enter the amount you would like to take out for mortgage lending. Then use the slider to specify the amount for the down payment (any). Specify how much you would like to pay each month. Information about the amount of the mortgage, monthly payment and offers from banks will be updated above.

Advantages of cooperation with Tinkoff

Mortgage lending through an intermediary bank, in our case, Tinkoff, looks quite profitable. Why:

• Tinkoff provides a discount on annual interest. Its size is up to 1.1%.
• Leaving one questionnaire in Tinkoff, you receive offers from partner banks. You can choose the most favorable conditions for you.
• You do not need to visit bank branches to apply. Online mode is available 24 hours a day.
• The implementation of insurance and real estate valuation is carried out through Tinkoff.
• There is no commission for mediation and provision of services.

Loyal conditions of Tinkoff partner banks help to take the maximum profitable loan for real estate. Save time by serving online application and visiting the bank office only once.

Fill out the application in the form below - and find out the decision of the bank immediately after filling it online. ↓↓↓↓↓↓↓↓↓↓↓↓↓↓↓↓

reference Information

Registration number: 2673

Date of registration by the Bank of Russia: 28.01.1994

BIC: 044525974

Main state registration number: 1027739642281 (28.11.2002)

Authorized capital: RUB 6,772,000,000.00

License (date of issue/last replacement) Banks with a basic license are banks that have a license with the word “basic” in the name. All other operating banks are banks with a universal license:
License to exercise banking operations with funds in rubles and foreign currency(without the right to attract deposits Money individuals) (24.03.2015)
License to attract deposits of individuals' funds in rubles and foreign currency (24.03.2015)
Licenses

Participation in the deposit insurance system: Yes

Information about Tinkoff Bank in Moscow

You can get all the necessary information about Tinkoff Bank in Moscow on this page of the site. All products of Tinkoff Bank in Moscow are freely available: loans, car loans, mortgages, deposits in rubles, in dollars. Here you will also find the nearest branch or branch of the bank for carrying out one or another banking procedure, there are 1 branches in Moscow. The corresponding section contains information about the location of Tinkoff Bank ATMs, today there are 113 of them.

In 2019, Russian banks offer many lending programs for the purchase of housing. Against this background, the company's proposal seems very interesting. Tinkoff Credit Systems (TCS).

Tinkoff Bank was the first in Russia to act as an intermediary in obtaining a mortgage loan ( brokerage services). He himself does not issue mortgages - this is done by a group of banks with which he has concluded relevant agreements.

He collects applications and forwards them to his partners. Having received a response from a potential lender, he introduces the proposed conditions to the applicant and accompanies the transaction until the moment the purchased property is pledged. For this, he receives commissions from his partners.

Terms of mortgage lending in TCS

Since Tinkoff Bank itself does not issue loans, it posted on its website revised offers from its partners, where they indicated the minimum and maximum values.

So, "Tinkoff Bank" within the framework of the mortgage offers the following conditions:

• currency - Russian rubles;
• mortgage amount - 300.0-99,000 thousand rubles;
• issuance period - up to 25 years;
• pledge of property - without fail;
• credit or life insurance - yes.

The interest rate depends on the type of housing purchased.

Housing in houses under construction (new building) credited at 6% or more. Down payment - 10% of the mortgage amount.

"Tinkoff Bank" mortgage secondary housing, apartments and shares in apartments (rooms) ready to lend at 8.25% or more with an initial payment of 10%.

Construction of private houses, cottages and townhouses will cost bank customers at least 9.75% of the annual rate with an initial contribution of 20%.

Based on the client's solvency, individual lending conditions are developed. The lower family income, the tougher the conditions and, consequently, the greater the overpayment for the mortgage.

Requirements for the borrower

Mortgage in Tinkoff Bank is available individuals corresponding to a number of criteria. They are presented to applicants for mortgage in order to reduce the risks of both the creditor and the debtor.

• Citizenship. Mortgage applications are accepted only from citizens of the Russian Federation. Persons without citizenship. work directly with developers, receiving there, on more stringent conditions, installment payments.
• Registration. A loan for the purchase of housing can be obtained throughout Russia, without being tied to the area where there is a representative office of a partner bank. The only requirement is that the passport must have a permanent or temporary registration.
• Age limit. Mortgages in Tinkoff Bank in 2019 can be issued by men and women aged 18 to 75 years. The main thing is that at the time of the expiration of the loan agreement, the borrower should not be more than 75 years old.
• Having a source of income. The open offer of the bank states that the loan applicant must have a total work experience of at least a year and work before applying for at least a month in the last place.

In fact, a mortgage is issued without observing these conditions if it is provided as additional collateral, in addition to the purchased housing, other real estate or the provision of documents (certificates) on the availability of other sources of replenishment family budget. Thus, an officially unemployed client can receive a mortgage loan.

• Credit history. The largest banks in the country are very careful in studying the IC of an applicant for a mortgage loan. In the case of Tinkoff Bank, bad credit history is not an obstacle to obtaining a loan to buy a home. Explanation in mortgage insurance, down payment and collateral, which completely eliminates the risks of the lender. Even if there is not a single payment after the transfer of funds to the developer, the bank will win.
• Co-borrowers. Married couples necessarily act as a borrower and co-borrower. There is no strict requirement to have co-borrowers without fail. Their number should not exceed 4 people.

Required documents

The availability of collateral made it possible to reduce the number of documents required for a mortgage to a minimum.

1. Application. An application form for a mortgage is accepted on the bank's website.

2. Personal identification documents. You can confirm the identity of the applicant with an internal passport of a citizen Russian Federation. To do this, you need to scan all the pages of the passport (including blank ones) and send it to the bank employees.

3. Proof of experience. The bank's requirement for continuous operation for a certain time can be confirmed:

• work book - you need to scan all the pages and send it to the bank;
• an extract from the work book, certified by a seal, is also scanned and sent;
• a certificate from the place of work or a copy of the contract, if the maintenance of work books is not provided for by law.

4. Certificates confirming the source of income. Given that the loan is issued against the security of an apartment and a down payment, banks do not particularly focus on certificates confirming sources of income. They need a certificate in the form 2-personal income tax.

If the employing organization has a ban on issuing documents on this form, a certificate is provided according to a bank sample, certified by the signature of the head and a round seal. In addition, the employer's stamp should be at the top of the paper.

It is also allowed to take into account income from work under civil law and copyright contracts, when a certificate in the form 2-NFDL cannot be provided in principle.

If it is not possible to provide documents under paragraphs. 3 and 4, a mortgage can be issued at Dom.RF with just two documents:

• general passport;
• SNILS.

Rules for the use of maternity capital.

How to apply

You need to apply for a mortgage on the TCS website (https://www.tinkoff.ru/loans/mortgage/form/). To do this, in the "Mortgage" section, you must activate the "Apply" function. The form that appears on the screen must be filled out carefully. 3 steps are provided:

1. The Surname, First Name, Patronymic of the applicant are entered in the first line, then the cell phone number with a SIM card in his name and email address are indicated.
2. Passport data and place of registration are entered in the appropriate fields.
3. The type of housing is indicated (the interest rate on the mortgage depends on this), its approximate cost, the client's ability to make a down payment, or Tinkoff chooses a mortgage without a down payment, place of work and a form of confirmation of the source of income, including refusal to provide relevant certificates.

You need to fill out the questionnaire accurately - otherwise, the application will be rejected already at the first stage. Therefore, only after checking all the data, the application can be sent.

Further happens according to the following algorithm:

1. within 1-2 days, a representative of Tinkoff Bank calls to the mobile phone number specified in the application and clarifies details that are not in the application form, and also dictates a list of documents that must be submitted to the bank in electronic form;
2. applicant scans listed documents and sends them to the calling bank employee by e-mail;
3. Tinkoff Bank sends out the questionnaire and copies of documents to all its partners;
4. responses received from partners (positive) are sent by e-mail to a future client of one of the banks;
5. the applicant studies the proposals received (mortgage amount, rate and term of the contract) and selects the lender with whom he will work;
6. notifies a Tinkoff Bank specialist of his intention, who contacts the selected partner and agrees on the date and time for submitting the original documents and signing the contract.

Advantages and disadvantages compared to a classic mortgage

The concept of issuing mortgages through the Tinkoff Bank broker developed by a group of banks has both pluses and minuses.

The positives include:

• significant savings in the applicant's time for obtaining a mortgage;
• remote filing of an application with one click immediately to 11 financial institutions;
• signing a mortgage agreement without leaving home;
• the minimum number of documents (only two);
• support in the process of signing a mortgage agreement by the broker's managers until the delivery of documents on collateral and its insurance;
• possibility to choose from several offers.

In addition, a significant plus is that Tinkoff Bank is allowed a mortgage without a down payment.

A number of points attributed by many experts and observers to the advantages of such a mortgage loan are purely marketing ploys (advertising) and do not work in reality.

For example, in an open offer of an intermediary bank, it is said that interest rate on a loan by 0.25-1.5 points when drawing up an agreement through an intermediary (broker). However, it will not be possible to really “feel” such a decrease - there are no clear criteria for the formation of individual parameters of a mortgage loan for each client. So you can write whatever you want here.

The second point is the statement of the group members that the client does not pay for Tinkoff's services in finding and maintaining a mortgage. In their opinion, specific creditors pay. In fact, it is enough to raise the percentage of payment on a mortgage by only 0.01 points, which seems like a trifle, as significant amounts appear, sufficient to pay for the services of brokers.

The cons include:

• availability of credit for persons with low legal and financial literacy, which does not allow them to objectively assess their ability to pay a mortgage and, as a result, a large number of withdrawals of collateral due to delays in payment (in reputable banks, such people are weeded out at the application stage);
• issuing a loan without an initial payment - there is an overpayment on a loan of several hundred thousand rubles;
• mortgages are more expensive compared to VTB and Sberbank.

When choosing a lender, you should consider all the above arguments. There are various situations in life and the offer of Tinkoff Bank is often the only one that allows you to solve the problem of your own housing.

Tinkoff Partner Banks in Mortgage Lending

The number of Tinkoff Bank partners in the framework of mortgage loans has not changed over the past few years and amounts to 11 participants. However, the list of partners itself is replenished annually with more stable, financially, credit organizations. For example, in 2018, Gazprombank entered the TOP-3 banks of Russia.

List of Tinkoff Bank partners for January 2019.

Mortgage refinancing in TCS

For clients who entered into mortgage agreements for housing loans during the economic crisis, when rates were very high, Tinkoff Bank developed a mortgage refinancing program. Submission of an application, its consideration and signing of the contract is similar to obtaining a mortgage. Here the bank also acts as an intermediary between creditors and customers.

The peculiarity of the refinancing program is that you can increase the initial loan amount and use maternal capital to repay a loan.

To refinance a Tinkoff mortgage, the conditions are as follows:

1. For apartments in houses under construction and in the secondary housing market (finished housing market):

• interest rate - from 8%;
• loan amount — 300.0
• RUB 99,000.0 thousand;

2. For the construction of a house, cottage:

• interest rate - from 9.9 points;
• loan amount — 300.0
• RUB 99,000.0 thousand;
• loan term - up to 25 years.

Can I get a mortgage without a down payment?

In life, there are often situations when a monthly mortgage payment is possible, but there is no money for a down payment. In Tinkoff Bank, this situation was predicted and a solution was found - real estate is provided as a pledge instead of the first payment. There is only one downside to such a solution to the problem - huge overpayments on mortgages:

• high rate - starts from 11 points;
• interest is charged on the amount of the initial payment;
• the work of property valuation experts is paid;
• buying an insurance policy for the mortgaged property.

Is it possible to get a mortgage on two documents

This group of companies, united by Tinkoff Bank, is ready to issue a mortgage loan under two documents:

• Dom.RF - according to the passport and SNILS;
• other members of the group - according to the passport and f. 2-NFDL.

However, a careful study of the application-questionnaire shows that a mortgage can be taken with one document - a passport.

License of the Central Bank of the Russian Federation: No. 2673

About bank

Bank Tinkoff Bank operates in the financial services market January 28, 1994. Included in the register of participants in the system compulsory insurance deposits. The head office is located at: 123060, Moscow, 1st Volokolamsky proezd, 10, building 1.

The main source of funding for Tinkoff Bank is funds from individuals/ legal entities and borrowings from the Central Bank of the Russian Federation. The organization is focused on attracting funds from the population in deposits, lending to individuals and legal entities, servicing enterprises.

The credit institution offers the following types of services:
Contributions. 4 programs, the maximum rate is 6.00%, see the maximum contract period and other conditions on the pages of specific products. Most profitable terms contain offers SmartDeposit (dollars/euro) , SmartDeposit (rubles) , On demand .
Debit cards. 26 programs, the maximum bet on the balance of funds is 7.00%. A line of popular offers: Tinkoff BLACK METAL, Avon, Azbuka Vkusa BLACK EDITION.
Consumer loans. 3 programs minimum bid— 9.00%, terms and restrictions are detailed on the card of each offer. Popular products: on the security of an apartment, on the security of a car, in cash.
Auto loans. 1 programs, the loan rate is 9.90%. "Hot" offers: Car loan.
Credit cards. 28 programs, minimum rate - 28%, grace period, special bonuses and discounts, popular programs: Tinkoff Drive, PFC CSKA WORLD, All Airlines WORLD.

Tinkoff Bank indicators in ratings in the Moscow region:
place in the rating by assets — 18;
the amount in the rating by assets - 557,909 million rubles;
place in the rating on deposits - 15;
the amount in the rating on deposits is 165,438 million rubles;
place in the credit rating — 17;
the amount in the credit rating is 119,558 million rubles.