Consumer loans have thoroughly entered our life. Of course, the most popular are cash loans. There are many offers on the market for individuals.
How to choose the best of them, choose the best monthly payment, calculate the amount of overpayment on the loan, plan early repayment of the loan. The loan calculator Kuban Credit will help you with this.
Benefits of our Kuban Credit calculator:
Private clients
Private clients
secured by real estate
LLC CB Kuban Credit is a large regional bank in terms of assets operating in the Krasnodar Territory. Key areas of activity are servicing and lending to corporate clients, attracting deposits and lending to individuals. The basic source of financing activities are the deposits of individuals (64.3%). The beneficiaries of the bank are a group of individuals, in which the majority shareholder is the chairman of the board of directors, co-owner of the OBD-Invest construction and investment company, as well as a number of other organizations, Viktor Budarin, who together with family members controls 99.19% of the company's shares.
Kuban Credit Bank allows its borrowers to obtain a loan on mutually beneficial terms. There are various programs for obtaining a loan for any purpose. But what is certain is that for each borrower there is a program that is right for him.
Credit conditions at Kuban Credit Bank
The Bank provides loan programs for completely different categories of borrowers.
You can borrow virtually any amount. So, under the Salary program, the minimum amount of a loan that a borrower can issue is 5 thousand rubles. A Maximum amount bank loan is 20 million rubles.
Loan terms are also different and directly depend on the amount of the loan. So, the shortest loan period lasts one month, and the maximum is 84 months.
A package of necessary documents, the presence of which will allow the bank to approve the loan:
- Passport (Russian Federation).
- Copy of work book.
- If the borrower is a pensioner, then it will be necessary to provide the relevant documents (a certified copy).
- You also need a mandatory certificate of income (this is for citizens who are not holders salary cards this bank).
For guarantors, the package of documents does not differ. They will need to provide the same documents as the borrower.
The entire loan amount is paid to the borrower at one time. The loan is repaid monthly, the amount of the monthly payment is negotiated with the bank.
Also, do not forget that the bank may refuse to issue a loan.
Requirements for a loan borrower at Kuban Credit Bank
- The client must be a Russian citizen.
- Work experience must be at least six months (at the current place of work).
- Minimum age category to receive credit loan is 21 years old, up to a maximum of 65 years (at the time of the last loan repayment and for secured people).
- Registration in the region where the bank is located.
- The borrower must confirm their income officially.
Interest rates on loans at Kuban Credit Bank
Loans for private clients are given for a period of six months to 5 years. The loan amount can range from 50 thousand to 1 million rubles. This program is for working clients up to retirement age. The annual interest rate, subject to the client's life insurance, is 15.7%. If the borrower refuses insurance, then the interest rate will be 17.7%.
Loans for clients of retirement age are given for a period of six months to 5 years. The loan amount can range from 20 thousand to 220 thousand rubles. This program is for clients who receive a seniority pension.
The annual interest rate, subject to the client's life insurance, is 15.7%. If the borrower refuses insurance, then the interest rate will be 17.7%.
Loans for study are given for a period of six months to 5 years. The loan amount can range from 30 thousand to 1 million rubles. This program is for clients who receive paid educational services. The annual interest rate, subject to the client's life insurance, is 15.7%. If the borrower refuses insurance, then the interest rate will be 17.7%.
A loan secured by real estate is given for a period of six months to 10 years. The loan amount can range from 500 thousand to 10 million rubles. This program is for working clients. The annual interest rate, subject to the client's life insurance, is 15.7%. If the borrower refuses insurance, then the interest rate will be 17.7%.
Loans under the Overdraft program "Salary" are issued to holders of salary cards at 22.8% per year.
Loans under the Prestige Overdraft program are issued at 22% or more per year.
Consumer loans are given for a period of 1 month to 7 years. The loan amount can be from 10 thousand to 20 million rubles. This program is for private clients. The interest rate is set by the bank branch individually for each borrower.
Early repayment of a loan at Kuban Credit Bank
It is possible to repay the loan ahead of schedule. Penalties and moratoriums for early repayment are not charged.
The consumer calculator of Kuban Credit Bank will allow you to quickly calculate the amount of payments on the loan and determine how much the interest will be.
The Bank has made available to its customers the following consumer loans: "Without security", "With a guarantee", "Bailed by property", "Pension".
There is no commission for issuing a bank loan. In case of early repayment of the loan, the bank does not charge any fines.
For registration, it is necessary to provide documents to the bank: a copy of the work book, a passport, for pensioners it is necessary to have a copy of a pension certificate, a certificate of income for citizens who are not holders of bank payroll cards. The same package of documents must be provided to guarantors.
| Credit | Amount, rub. | Term | Bid, % |
|---|---|---|---|
| "Pension" | from 20,000 to 220,000 rubles. | from 6 to 60 months | from 16% |
| Loans to private clients | from 50,000 to 2,000,000 rubles. | from 6 to 60 months | from 14% |
| Student loan | from 30,000 to 1,000,000 rubles. | from 6 to 60 months | from 14% |
| Loan secured by real estate | from 500,000 to 10,000,000 rubles. | from 6 to 120 months | from 15% |
| Loan "Budget" | from 30,000 to 1,000,000 rubles. | from 6 to 60 months | from 14% |
| Loan "Marine" | from 150,000 to 1,000,000 rubles. | from 6 to 24 months | from 15.8% |
| Overdraft "Salary" | from 5,000 to 80,000 rubles. | up to 24 months | 22,8% |
| Overdraft "Prestigious" | individually | individually | from 22% |
| consumer credit | from 10,000 to 20,000,000 rubles. | from 1 to 84 months | individually |
The form below will help you calculate your own loan.
Kuban Credit bank consumer loan calculator
Kuban Credit offers 5 credit programs with an interest rate of 11.90% per annum. You can take maximum amount up to 10000000 rub. Credit calculator Kuban Credit will calculate a consumer loan in 2018-2019 in one click: monthly loan payments, overpayment amount on the loan and payment terms for early repayment. Our online calculator is free and does not require registration.
Consumer loans have become an integral part of our daily lives. According to statistics, the most popular among borrowers are cash loans. To choose the most profitable of them, plan payments, early repayment of the loan and the amount of overpayment, you need a reliable and proven financial instrument, whose calculations you can trust. Why use our loan calculator Kuban Credit?
- Current interest rates on the loan (updated once a day)
- Simple and clear interface
- Dynamic online loan calculation Kuban Credit in one click
- Completely free and no registration required
The Loan Calculator is suitable for:
- For individuals
- For individuals receiving payment in the Kuban Credit (for holders of salary cards - special conditions)
- For pensioners
You can take a loan from a bank:
- just cash for any purpose
- for business development
- to program another loan
- to buy a car
- for refinancing a loan Kuban Credit
Be sure - the credit calculator Kuban Credit will calculate consumer credit 100% accurately. Happy shopping.
The Vyberu.ru loan calculator is a simple and convenient tool that helps you make calculations quickly and effortlessly. Set the required calculation conditions:
- the amount of the loan and its currency,
- maturity,
- the purpose of the loan.
This information will help you choose the right loan. You can choose additional terms loan and use special program. If you are interested in an offer from Kuban Credit, in its tab, click "Detailed calculation". To see the payment schedule, click on the "Loan Calculator" button.
The summary will contain all the necessary data (based on the default parameters):
- total payment amount
- credit amount,
- overpayment amount,
- monthly payment amount.
For convenience, the data is duplicated on the page in the form of a chart.
If the online application for a cash loan sent to Kuban Credit is approved, you will need to come to his office with necessary documents to conclude an agreement. To see the schedule of future payments, set the required parameters:
- loan amount,
- maturity,
- interest rate,
- date of issue.
Define the payment scheme below (differentiated or annuity payments). If you plan to close the loan ahead of schedule, click Add Repayment and enter the amount and date of the overtime payment. When all parameters are set, click "Calculate costs".
The system will automatically make all the calculations and display the payment schedule on the page. In it you will see the amount of the monthly payment, also divided by the amount of the principal debt and the amount of accrued interest, as well as the balance of the debt for each period.
Important! The planned conditions may differ from what is actually offered in the Kuban Credit. The fact is that the terms of the loan are individual for each borrower. For example, you may be offered a slightly higher rate if you do not meet any requirements of the bank - for example, do not have a certificate of income. In order to find out the exact amount, you need to contact a bank specialist and give him all the necessary information for the calculation. Using the loan calculator, you can pre-calculate what the costs will be and decide on the choice of loan.
