New Year's offers from Eastern Bank. How to apply for loans in the Eastern Bank and get money on favorable terms? Contacts and details

Hello friends, guests and blog readers! Today we will tell you how the Vostochny Express Bank sale of loans is held and what its meaning is.

Every year on New Year's Eve, Eastern Bank holds festive promotions. At various times, the banking organization held a sale of loans, the meaning of which was the opportunity to issue various loans at a reduced interest rate.

So in 2010, on the eve of the New Year holidays, a consumer loan from Vostochny Bank could be taken at an interest rate of 5% per annum.

In 2019 Eastern Bank On December 12 and 13, he held a New Year's promotion - designed credit card"Seasonal" at a rate of 9.9% per annum.

During these two days in the offices of Vostochny Bank it was possible to issue a credit card with a limit of up to 300 thousand ₽ with a New Year's rate from 9.9% per year.

These days, borrowers could have time to issue the product after the end of work - the bank's doors were open and worked until the last client.

What are the terms of the loan

New Year's Eve Credit Sale Eastern Express The bank was issued on the following terms:

the amount of the credit line - up to 300 thousand rubles;
duration of the interest-free period - up to 56 days;
rate - from 9.9% per annum when withdrawing cash within 3 months or 52.9% per annum after this period;
interest on non-cash payments after the grace period - 28.9% per annum;
payment for issuing a card - 1000 ₽;
the minimum monthly installment is 1% of the amount spent (not less than 500 ₽) or the amount of the debt, if the amount is less than 500 ₽.

When cashing out money, the fee was 4.9% of the withdrawn amount and an additional 399 ₽.

Interest was accrued on personal money on the card account:

with a balance of 10 thousand to 500 thousand ₽ - 4% per annum;
with a balance of 500 thousand rubles - 2% per year.

Credit card applicants must meet the following requirements banking organization:

Russian citizenship;
the age of the applicant is from 21 to 71 years;
the presence of a Russian passport;
for borrowers under the age of 26 - documents confirming employment and income.

Requirements for seniority - from 90 days, for persons under 25 years - from 1 year. The Bank reserves the right to demand additional documents and refuse to receive a credit card without explanation.

Now the bank also offers several interesting loan programs for favorable conditions.

Loan "Big Season"

Applicants for a loan at Eastern Express Bank under the name "Big Season" can borrow from 80 thousand to 1 million rubles under fixed rate 11.5% per annum.

The loan is issued for a period of 13 to 36 months. Borrowed money can be received on the day the loan is issued. The loan is issued in rubles, the borrower gets free access to Internet banking.

A banking organization conducts this promotion in order to attract new customers.

About the requirements for applicants

loan applicant Oriental Express Bank The "Big Season" must meet the following requirements of the financial and credit organization:

Russian citizenship;
the presence of registration and the fact of residence in the region where the branch of the Eastern Bank is located;
age limit - from 21 to 76 years at the time of loan repayment;
requirements for length of service - from 90 days (persons under 26 years old - from 1 year);
the presence of stable income, allowing to fulfill credit obligations.

A loan is issued on the basis of a submitted Russian passport and a certificate of form 2-NDFL confirming official income.

The bank may require the submission of additional documents and loan security, as well as refuse to issue money on credit, without explaining the reasons.

Purchase insurance policy is not a mandatory requirement when applying for a loan, but if you take out insurance, upon occurrence insured event, the debt will be repaid Insurance Company.

About loan repayment

You need to repay the loan in a timely manner, making sure that required amount entered the credit account on time.

The amount of the monthly payment can be found:

from the payment schedule that is issued when applying for a loan;
in your online banking account;
in the app for mobile phone;
requesting a bank statement;
by sending an SMS with the word FEE and the last six digits of the loan agreement number to 7243.

There are several ways to repay a loan. Money is instantly credited to the credit account if the debt is repaid:

from any card account Russian bank on the website of the Eastern Bank, indicating the number of the loan agreement. You can also activate the auto payment service there;
using online banking and a mobile application from a card account of any banking institution;
through call. the center by calling the employees and giving the details of the card with which you need to make a payment;
through the cash desks of branches of a financial institution;
through self-service terminals of the Eastern Bank.

You can also repay the loan through the partners of the banking organization - payment systems " Gold Crown”, “Rapida”, QIWI, CyberPlat.

Other ways to repay the debt on the loan:

through the Russian Post;
through the accounting department of your company;
transfer to another banking institution.

About the service "Credit holidays"

In situations where it is not possible to pay the debt on time, borrowers are offered to use the "Credit vacation" service. The bank delays the next payment on the loan for several months.

The debtor only needs to pay. The loan holiday period is added to the loan term.

This is all the information about the sales of loans in the Eastern Bank and existing loan offers, for today. Subscribe to blog updates, leave comments, share the article with friends on social networks!

Use your loans wisely! Stay with us.

How to apply for loans in the Eastern Bank and get money on favorable terms?

Interest (annual): 12%

Loan amount: 1,000,000

Term: 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, per. Saint Innocent, 1. TIN 2801015394, KPP 280101001, PSRN 1022800000112. Annual interest rate: from 11.5% to 19.9%. Loan term with extension: unlimited.

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

Eastern Express bank consumer credit in cash offers customers on favorable terms! Interest rate- 12% per annum, the maximum amount is up to 1,000,000 rubles for consumer needs, and up to 15 and 30 million rubles for intended use bail.

How to get a consumer cash loan at Eastern Bank?

First you need to submit an application so that the bank considers a potential client and finds out his goals and opportunities. To apply for a loan at Vostochny Express Bank, the 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 assistance from a bank employee. Having assessed 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.

Applying online is easier. To do this, you do not even have to leave the house or take time off from work. The main condition is the presence of a computer connected to the Internet. You yourself indicate passport data in the questionnaire and confirm the request by mobile phone.

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

What lending conditions can customers expect from Eastern Bank?

To get a loan from Vostochny Bank, the 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" rate. Decision-making time - from 15 minutes.

When it comes to a larger loan, up to 500 thousand, at the Big Money tariff, an additional identity document should be submitted. In addition to a passport, you will need one of the following documents to choose from:

international passport;
driver's license;
pensioner's ID;
SNILS.

A person must prove their financial viability. To do this, you must submit a certificate 2-NDFL or in the form of a bank. It is obligatory to have at least 3 months of experience in the last workplace. The minimum loan amount, which is taken according to 2 documents, is 50,000 rubles. Interest rate - from 14.9% per annum.

In both cases, it is necessary to return the money (principal debt) with interest within a period of 12 to 36 months.

For the convenience of customers, the official website of the Eastern Bank has credit calculator, with which you can calculate the amount of the monthly payment and the amount of the percentage overpayment in a few minutes. The loan repayment schedule will also be provided at the conclusion of the contract. Citizens can choose the rate of interest from the following list:

"Seasonal"
"Pension"
"Equal Payment"
"More money"
"Car loan"
"Bail car"
"Secured by real estate"

If you require an amount exceeding 500,000 rubles, Vostochny Bank is 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 with in most cases. Money can be used for:

acquisition new real estate,
treatment,
starting a business,
repair work,
solving difficult situations, etc.

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

Decor online applications takes a little time from 5 to 15 minutes. To take 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;
address of registration and residence;
cell phone number;
email;
and passport information.

By clicking on the “Apply” button, a window opens in which you should select the desired amount and term of the loan. After pressing the "Select" button, Vostochny Bank will select the tariff that suits the client's needs. After reviewing the proposed option, you should proceed to fill out the questionnaire. It consists of several stages. Try not to make mistakes to avoid failure in automatic mode. Loan approval largely depends on whether the data were correct in the questionnaire..

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

Consideration of the application takes from 15 minutes to 1 day. The decision is sent to the client by SMS or by phone.

What are the requirements for the borrower puts forward a banking organization

Receipt consumer credit in 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 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;
work at the last workplace for at least 3-6 months (for persons under 26 years old - 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 between 21 and 26 years old, then you need to confirm your official employment. If your age is 26 and above, it will be enough to provide a passport to complete the application.

Among the main advantages, it should be noted not only the possibility of obtaining a loan in the maximum short time, 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;
ease of filling out the questionnaire;
low interest rates - from 12-19% per annum;
departure of a specialist to the house for paperwork;
minimum package of documents.

Apart from consumer lending customers can open deposits and deposits, order Visa and MasterCard debit and credit cards, 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 applies for a loan or orders a credit card, both of you will receive nice bonuses. It is enough for them to indicate you as the one who recommended using the services of the bank. At the moment, for each client you will be credited with 1000 rubles, and for 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 the Russian Post;
online with personal account client (in Internet banking or via mobile app"Eastern Express");
cash desks.

Penalties for non-compliance with the payment schedule

We draw your attention to the fact that a loan at the Eastern Bank implies a multi-stage system for accruing penalties for late payments. The penalty increases with each successive delay. For example, if you overdue the monthly payment for the first time, you will pay 800 rubles to the cashier. For 2 delay you will be obliged to pay 1300 rubles. For 3 delays, the penalty will be 1800 rubles. More detailed information indicated in each tariff. You will find instructions for payment methods.

Contacts and details

PJSC KB Vostochny
The legal address coincides with the actual one: 675000, Amur Region, Blagoveshchensk, per. St. Innocent, 1
License of the Central Bank of the Russian Federation No. 1460 dated October 24, 2014
TIN: 2801015394
BIC: 041012718
PSRN: 1022800000112
Official website www.vostbank.ru
Telephone hotline 8 800 100 7100

For prompt resolution of problems, you can use the feedback form on the official website. In the "Help" section, it is enough to indicate your question and choose a convenient form to receive an answer (by e-mail or by phone). Would you like to take a loan? Click on the green button and fill out the online application!

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

Amount from 50 000 before 500 000 rubles

Credit term 3 to 36 months

Interest rate from 14% per annum

We invite readers of the site to familiarize themselves with the conditions, interest rates for providing a loan product.

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

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

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

Life and health insurance of the borrower: is carried out in accordance with the basic conditions for securing a loan, depending on the terms of the loan.
Special purpose: express loan for urgent needs;
Validity made credit decision: 27 days;
Credit holidays: it is possible to grant a deferral of payment of the principal debt in the manner prescribed by the Bank's regulatory documents. Credit holidays are provided for a period of 1 to 3 months;
Decision time:- 5 minutes. Loan disbursement 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 the Eastern Express Bank operates;
at least 3 months of work experience in the last position;
having a stable income in the amount that allows you to service the loan.

HOW TO GET A CASH LOAN "NEW YEAR"?

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

Documents for applying for a cash loan "New Year's"

For registration on the site you will need only passport data.

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

Required documents for issuing up to 200 tr.:

Passport of a citizen of the Russian Federation

Required documents for issuance from 200 tr. up to 300 tr.:

Passport of a citizen of the Russian Federation
Additional document of your choice (see below)

Required 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 in the form of the Bank + Additional document (see below)

How to pay off a loan in cash "New Year's"

Through the payment terminals of the Eastern Express Bank. You can repay loans issued in the Eastern Express Bank through your own network of payment terminals located in the branches of the Eastern Express Bank, as well as "Zones 24".
In Internet banking. You can repay loans issued in the Eastern Express Bank without leaving your home or office, through the Internet bank. The payment process takes only a few minutes, the loan is repaid 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 cash desk of the branch, which will significantly save time. plastic card with you, you should contact the specialist of the operating room, then make a payment on the loan at the cash desks of the branch.
In your absence, repayment of the loan can be carried out by a third party, upon presentation of a passport and a loan agreement.
In branches of third-party banks. Through any third-party bank, using the "interbank transfer" service (details for the transfer are contained in your loan agreement). A commission is charged for the operation third party bank.Also according to your tariff plan a commission may be charged for crediting non-cash funds to repay a 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 commission may be charged for crediting non-cash funds to repay a loan received by transfer from a third-party bank.

1 The interest rate depends on the status of the client, quality credit history availability of benefits. A more accurate calculation is made individually for each client in the branch of OAO KB Vostochny. 2 Without references for a loan amount 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 available for obtaining a loan:

Valid foreign passport in the name of the borrower with a stamp on travel abroad.
PTS (Vehicle Passport) / Registration Certificate 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.
Driving license (with the declared amount, taking into account the total credit debt borrower in a bank up to 200,000 rubles. inclusive).
Certificate of registration of ownership of residential and non-residential real estate, in which the borrower is listed as one of the owners. *
A copy of the borrower's work book, 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 submission of the loan application.
Pensioner's ID.
Service certificate of an employee of any executive, legislative or judicial authorities, including any law enforcement agencies in the name of the borrower.
A term deposit agreement in the amount of 200,000 rubles or more, with a conclusion date of no more than 6 months ago. * *
Account statement from debit balance not less than 50,000 rubles.**
An account statement reflecting monthly accruals for a period of three months, while the average amount of accruals should not be less than 20,000 rubles.**
Serviceman's identity card (SID).
Identification card of an employee or employee Federal Service Security of the Russian Federation.
Service certificate of an employee of the Ministry of Internal Affairs of the Russian Federation.
Military ID, for the military serving under the contract (subject to the requirements of Appendix No. 2).
Original or notarized copy of the lease agreement and certificate of ownership of the leased property.
Treaty equity participation for real estate construction.
Service certificate of an employee of the enterprise (with the obligatory presence of a photograph of the applicant), or a certificate from the place of work on employment at this enterprise, certified by the seal of the organization (valid only for employees of these enterprises).
Compulsory pension insurance agreement on the transfer of the funded part of the pension to the non-state Pension Fund(applies to any non-state pension fund).

Orient Express Bank provides consumer loans on favorable terms. This bank is one of the 30 largest banks in our country.

The bank employs specialists who regularly work on the creation of newer optimal consumer lending programs. Therefore, in this bank there is always something interesting for consumers.

Definitely take money loan at the present time is very risky, due to the economic crisis. But there are cases when it is even more difficult to do without a loan. When considering the execution of a debt obligation, it is necessary to take into account all the advantages and disadvantages. If there are more advantages, then study the current offers of all banks.

In this article, we will consider the current lending programs from the Eastern Express Bank, as well as pay attention to the requirements and documents necessary for concluding a loan agreement.

Vostochny Express Bank offers its borrowers 12 lending programs. We will study the conditions and requirements of the most popular of them.

Requirements for the borrower

Each bank wants to conclude a loan agreement with a reliable client. Therefore, he puts forward a number of requirements. Vostochny Express Bank is no exception and wants to see among its customers people who fall under the following criteria:

Russian citizenship
Age restrictions: 21 - 76 years old
Permanent registration and actual residence on the territory of the Russian Federation, where this bank conducts its commercial activities
Work experience in current employment: from 3 months.
A permanent source of income, the size of which indicates the ability of the borrower to make timely loan payments

There are slightly in-depth requirements for potential borrowers under the age of 26. They must have at least 1 year experience. The same requirement applies to the client's income.

New Year credit

Until recently, one could dream of such a consumer lending program. However, on the eve of the New Year holidays, the bank offers its potential borrowers very favorable lending conditions.

Loan amount: up to 50 thousand rubles.
Loan currency: dew. rub.
Application processing: 15 minutes
Tariff: 15% per annum
Loan service: up to 3 years

In addition, Vostochny Express Bank offers Internet banking services, and also promises to issue credit funds on the day the application is registered.

Premium credit

Premium loan without collateral

When applying for such a cash loan, the client will only need to provide his passport of a citizen of the Russian Federation. In this case, the bank offers the following conditions:

Loan amount: up to 2 million rubles.
Loan service period: up to 5 years
Tariff: 24 - 26% per annum

If necessary, a bank employee may ask for additional documents that confirm the solvency of the borrower.

Premium car loan

Provided that the borrower provides his own car for obtaining a cash loan secured by his own car, the following lending conditions are provided:

Maximum amount loan: 5 million rubles
Application processing: 1 day

However, the term for processing the application is understood as the date from the provision of the full package required documents. For example, potential borrower registered an application for a loan on the 1st of the current month, then in order to make a final decision, he must provide a package of documents to the bank manager.

To apply for a loan, you will need to provide the following documents:

Passport of a citizen of the Russian Federation
Vehicle Passport
CASCO

When making 3 payments on a loan, the borrower is given the opportunity to receive a premium credit card absolutely free of charge.

"Pension"

From the name of the loan, it is immediately clear what category of customers it is designed for. So, Vostochny Express Bank provided the following lending conditions for its clients of retirement age:

Fixed rate
Maximum amount: 200 thousand rubles.
Application processing for up to 15 minutes
Document: passport

More than a pensioner can take a loan in the amount of 50 thousand rubles. and pay monthly only 2400 rubles. Lending is carried out only in rubles.

Credit "Equal payment"

This cash loan can be obtained immediately on the day of registration of the application. In general, the conditions look like this:

You only need to show your passport
Ability to control the status of the account through Internet banking
Loan application processing: up to 15 minutes
Loan amount: up to 200 thousand rubles.
Tariff: from 29%
Lending is carried out only in Russian. rub.
Opportunity to take out voluntary insurance

If a bank client wishes to take out health and disability insurance, then in the event of an insured event, the insurance company will cover your loan debt on its own.

Loan program "Big money"

Feature of this credit program is a reduced rate for the provision of additional documents.

Lending terms:

Maximum loan amount: 300 thousand rubles.
Application processing: 1 business day
Tariff: 18 - 29.9%
Providing borrowed money only in rubles
Ability to track current debt on a loan through the Internet bank

Additional documents may include:

Help 2-NDFL
Selective document + certificate in the form of a bank
Payroll account statement

When choosing this credit program, the client of the bank can also conclude an insurance contract or take part in the "Recommendation" campaign.

How to pay off a loan debt?

Definitely if you took it upon yourself promissory note before the bank, it is imperative to follow all the instructions in the loan agreement. Timely payment of the loan guarantees the borrower:

Formation of a positive credit history
No penalties or sanctions
Opportunity to get a loan in the future preferential terms
Free travel abroad

You can pay off the loan:

At a bank branch
Remotely in Internet Banking
With the help of Eastern Express Bank partners

Remember that a loan is an obligation that must be fulfilled in strict accordance with loan agreement. Therefore, before signing the document, be sure to study its text.

Credit holidays

In conclusion, I would like to pay some attention to such banking service like credit holidays. They can be used when the client understands that he simply cannot make a payment on time.

The Credit Holidays service provides for the following terms of use: