BSGV offers a Consumer Loan to cover different kinds of expenses - home renovation, travelling, purchases for your home.
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Consumer loan features:
- loans in rubles, US dollars and euros - upon your choice
- from 2,500 to 17,000 US dollars/ from 2,500 to 13,000 euros/ from 75,000 to 500,000 rubles)
- standard interest rates (20% for RUB, USD and EUR)
- loan term: 1-3 years |
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BSGV consumer loan benefits:
- 2 to 3 days approval as long as all the supporting documents are provided
- no pledge
- monthly credit repayment in equal amounts
- flexible schedule with free advanced redemption possible after a 6-month period
- automatic debiting of the installments to your current account
- assistance in insurance cover registration (if applicable)
Insurance:
Security of the loan is life and disablement risk insurance for the loan period and for the amount equaled to loan debt increased by 10%. Beneficiary under life insurance policy is the Creditor.
Borrower is able to secure consumer loan by providing insurance policy to the bank or to choose consumer loan without security in the form of life insurance.
The insurance policy may be issued by any insurance company or by the insurance company, recommended by the bank.
Interest rate is standard:
- when borrower provides the insurance policy issued by the insurance company recommended by the bank;
Interest rate is standard +3%:
- when borrower provides the insurance policy issued by any insurance company;
- when borrower chooses consumer loan without security in the form of life insurance. - Documents required for loan consideration*
You are eligible for obtaining a consumer loan if you: - are over 23 - can documentally confirm your income What to do: In order to request BSGV for a consumer loan please first call BSGV Call Center and fix a meeting with your personal manager. The meeting will take place at a Bank branch of your choice at the time most suitable for you. After the Bank’s approval, draw up an insurance in one of the insurance companies (if applicable). - Crediting Procedure
For information on our rates please do not hesitate to contact our Call Center.
Banking charges:
- monthly installments for credit and interest repayment
- commission for consumer loan granting (250 US dollars/ 200 euro and 7000 RUB)
- commission for servicing the account
- payments for insurance (if applicable)
*The Bank may also ask you for a Guarantor (in this case a Guarantor shall provide the Bank with the same documents).
Information for clients:
In order to avoid problems and/or losses of funds when loan repayment, BSGV doesn't recommend making payments via channels which are not represented on BSGV official web-site or in other informational materials, issued by the Bank. BSGV declines any responsibility for operations performed via such channels.
Related Products:
- Home Renovation Loan
- Travel Loan
- Current account - the basic means connecting the bank with its clients. For your convenience the monthly installments are automatically debited to your current account.
- Banking Cards - for easier handling of your account BSGV offers VISA/ MasterCard cards in different currencies.
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