The Savings Bank has improved credit conditions
the Savings Bank of Russia has improved credit conditions for the clients receiving pension on an abacus in the Savings Bank. For them interest rates are lowered and established at level of rates for a category of the clients who are participants « salary » the project.
Changes have concerned products which stand out on technology « Credit factory »: the consumer credit without maintenance, the consumer credit under the guarantee of physical persons and the autocredit. Besides, under the consumer credit without maintenance the top age bracket is increased till 65 years.
Also the Savings Bank has improved conditions on consumer credits for youth. Requirements under the minimum experience for clients more youngly are changed 21 years. Now work term on a current place can make only 4 months.
In November the Savings Bank has started federal campaign of sales of consumer credits which will last till January, 31st, 2012. Personal offers within the limits of campaign are generated for following groups of clients:
- participants of salary projects (from 15,3 %),
- the borrowers having good credit history in the Savings Bank (15,3 %),
- the clients having the rests on an abacus in the Savings Bank (from 12,9 %).
Besides, since November the Savings Bank has cancelled the moratorium on preschedule repayment of credits: under all operating and again concluded contracts restrictions regarding the minimum sum of ahead of schedule returned credit and term during which it is forbidden to spend preschedule repayment of the credit are cancelled. Now preschedule repayment is necessary for making in date of planned monthly payment.