Baltic Bank is one of the most famous financial and credit institutions in St. Petersburg. Currently, the bank's branch network is represented in many Russian cities, and active development is facilitated by the implementation of unique programs with the most favorable lending conditions.

basic information

Baltic Bank began operating in St. Petersburg in 1989, making it one of the oldest financial institutions in Russia. Bank branches are represented in 31 cities, as a result of which all interested people have the opportunity to take advantage of favorable conditions.

The bank network includes more than 1,500 devices. Thus, even making payments through bank ATMs is amazingly easy. Clients are offered payment cards Western Union, Visa International, MasterCard Worldwide.

At the same time, the number of corporate clients reaches 20 thousand, private clients - two and a half million. The main source of profit for the Baltic Bank is income from transactions with individuals. Thus, you can count on the most favorable terms of cooperation.

Basic questions about car loans

Baltic Bank clients can purchase new cars of foreign and domestic production. In each case, the most favorable terms of cooperation are guaranteed:

• currency: Russian rubles or euros;
• annual interest rate - 15.25-18.5 (the exact amount is determined individually, taking into account the selected currency);
• the minimum loan amount is 40 thousand rubles, the maximum is more than one and a half million;
• the initial standard contribution for regular clients of the Baltic Bank is 20 percent, for all others - 30, but recently a loan can be obtained even with a 15 percent contribution;
• The repayment period of a car loan is from one to three years, but taking into account the regular rise in price of cars on the Russian market, credit funds are increasingly being provided for 5 years;
• the commission payment for processing a loan ranges from 3,000 to 7,500 rubles (the exact amount depends on the cost of the car), but for clients of the Baltic Bank the commission is completely excluded;
• One to three days are allotted for consideration of the received application;
• penalties for each day of delay in payment are 0.3 percent;
• Auto insurance is required for the entire loan repayment period, and you must obtain CASCO insurance against damage and loss from an authorized insurance organization.

The above conditions confirm the maximum benefit of the upcoming cooperation.

Attention! Applying for a car loan is available only to citizens of the Russian Federation who live in the area where the Baltic Bank office is present. Moreover, at the time of repayment of the loan, the minimum age of the borrower must be 21 years, the maximum - 55 years (women) - 60 (men).

What can you count on

Baltic Bank offers two main car loan schemes. The first program was created for any citizen of Russia, the second - only for clients of a financial and credit organization, who receive accounts for regular salary receipt. In each case, the collection of documents is simplified, so that you can quickly complete the assigned tasks. In addition, the risk of being rejected for a car loan is virtually eliminated.

Experts note good conditions for cooperation between the Baltic Bank and car enthusiasts:

1. There is a low interest rate on the loan for amounts in rubles and euros.
2. The optimal loan repayment period is guaranteed.
3. The down payment, in comparison with some financial and credit institutions in Russia, pleases with a loyal indicator.
4. Step-by-step cooperation and a specific scheme of interaction between representatives of the target audience and bank employees guarantee savings of nerves, time and effort. Initially, an application form is submitted, on the basis of which an initial decision is made. Subsequently, within three days, the established package of documents is collected. As a result, you can understand at what stage the consideration of the application is and what will happen in the near future.

Important! To receive financial assistance to purchase a car, it is necessary to register taking into account the territorial location of the bank office, have a permanent job, and be able to use a driver’s license. Moreover, purchased cars become collateral for lending. In some cases, the loan is provided under the guarantee of the spouse.

Review of car loan programs

The main program is “Standard” However, for regular customers we offer another program with the most favorable conditions.

Standard

The loan is offered on the following terms:

• minimum down payment - 15 percent of the cost of the car;
• the annual rate in rubles is 13-17, in foreign currency - 10-12;
• The loan can be provided from one to five years.

The above conditions are distinguished by loyalty. In addition, bank employees are ready to consider the total family income when deciding whether to provide financial assistance for the purchase of a car.

Penalties for late payments are severe. For each fact of lateness, the fine can reach ten thousand rubles.

There is an additional fee for maintaining an account in euros. Its amount per month is 300 rubles.

Loyal car loan

This program is designed specifically for those people who have opened an account with Baltic Bank or hold a salary card. The main advantage of regular customers is a reduction in the annual interest rate by one point. Moreover, commission payments can also be significantly reduced.

Baltic Bank offers financial assistance only for the purchase of new cars through dealerships. However, for responsible clients, the terms of cooperation are as beneficial as possible.

• Standard car loan program
• Preferential conditions for respectable clients Baltic Bank
• Loan for comprehensive insurance (10%, subject to a down payment of more than 30%/40%)
• Credit for additional payment equipment (subject to the amount car loan no more than 70%/80%).

What cars can be borrowed from Baltic Bank?

New cars of foreign and Russian production.

On what terms does Baltic Bank provide a car loan?

1) currency: rubles/euro

2) interest rate: from 15.25% to 18.5% per annum (depending on the currency car loan and the client's attitude towards Baltic Bank)

3) amount: from 40 thousand rubles. and more than 1.5 million rubles.

4) down payment: from 30%, for clients Baltic Bank- from 20%

5) deadline car loan: from 1 year to 3 years

6) registration fee: from 3 thousand rubles. up to 7.5 thousand rubles. (depending on the cost of the car); for clients Baltic Bank- absent

7) application review period: 1-3 days

8) car insurance: mandatory for a period car loan in the insurance company offered Baltic Bank(hull insurance against damage and loss)

9) fine: 0.3% for each day of delay car loan

What are the main requirements of Baltic Bank for car loan borrowers?

• registration of a citizen of the Russian Federation
• place of work: in the presence area Baltic Bank
• age: women - 21-55 years old, men - 21-60 years old at the time of expiration car loan.

To obtain a car loan from Baltic Bank, you must submit an application. It is possible to submit an electronic application and receive a preliminary positive decision on loan approval, along with an SMS code.

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The bank requires you to provide a certificate that can confirm the borrower's solvency.

The car is given to the credit institution as collateral, as specified in the contract.

Debt repayment is carried out according to the provided schedule - annex to the agreement form.

About company

PJSC Baltic Bank is considered one of the oldest commercial banks in perestroika and post-Soviet Russia. They were founded in 1989 and have more than 1.5 million clients - citizens and organizations.

Car loans are a relatively recently opened financial product developed by the bank together with car dealerships - partners of the credit institution.

The company's offices are located in St. Petersburg, Leningrad, Pskov, Murmansk regions and the Republic of Karelia. Bank loans are available to borrowers - citizens of Russia.

Requirements for the borrower

Borrowers for car loans from Baltic Bank can be citizens of the Russian Federation aged 18-60 years at the time of applying.

The pledge on the car is formalized by an additional agreement or the terms of the encumbrance are included in the contract.

The application is submitted in person at any bank office. The processing time for the application is no more than two days.

The borrower must be solvent - work under an employment contract for at least 6 months in one organization or have passive income. To do this, you can bring a 2-NDFL certificate or a bank form.

Conditions

The Baltic Bank provides the opportunity to obtain a cash loan, on favorable terms, for a long period with low interest rates per annum. Every adult citizen of the Russian Federation can take out a cash loan for any purpose at the Baltic Bank.

Along with the long existence of this financial institution, the bank always takes care of quality customer service. Each repeated application for a loan product provides an opportunity to use a loyal bonus program to reduce interest rates.

Main characteristics of loan products from Baltic Bank.

Important: Applications for a loan from a Baltic bank are processed instantly. The client has the opportunity to receive a response within 1 business day.

Applying for a loan takes approximately 30 minutes, after which you will be able to manage credit funds as needed.

Note: in addition to credit products, Baltic Bank offers a wide variety of projects for issuing salary cards and insurance in various areas

What are the conditions for obtaining a loan from Baltic Bank in 2018?

Regardless of the economic situation in the country, the Baltic Bank in 2018 does not increase interest rates on loans and offers to issue a cash loan under the same conditions as the previous year.

In order to take out a loan from this bank, you can use the online application or contact a bank branch with a corresponding application.

Credit limits and conditions for obtaining a cash loan

Credit limit	Certificate of income	Loan terms	Surety
Up to 1 million rubles	Not required		Not required
From 1 to 5 million rubles	Required	Minimum 6 months, maximum 5 years	Depending on the borrower's income
From 5 to 10 million	required	Minimum 6 months, maximum 5 years	Required by individuals, not required by entrepreneurs.

Note: Baltic Bank serves both individuals and provides loans for the development of small and medium-sized businesses.

Obtaining a loan to legal entities is provided on favorable terms for the development of business activities.

Depending on the amount of your loan and the conditions for receiving the loan, each client is set their own interest rate. There is no fixed APR for everyone. Since loans vary in loan terms and amounts to be received.

In order to apply for a loan from a Baltic bank, you will need the following documents:

• Document confirming identity and registration.
• At the bank's request, a certificate of income.
• A certificate confirming employment is possible.

For entrepreneurs:

• A certificate of restaurant organization is required.
• Founder's certificate.
• For amounts over 5 million Documents will be requested on accounting for the profitability of this enterprise.

Important: to get a cash loan from a Baltic bank, a minimum package of documents will be required, the client must provide truthful information about his financial situation.

Online application is not a loan in Baltic

Applying for a consumer loan or cash loan can be accelerated thanks to the ability to fill out an online loan application. You can fill out such an application on the bank’s official website. When filling out the online application, you will need to indicate the following information:

• Passport details.
• Information about employment and income.
• Purpose of the loan.
• Contact information.

After the initial processing of your application, a representative of the bank will contact you within 2 hours in order to clarify the data and obtain additional information, if required. Next, the bank will make a decision, which you will be informed about over the phone.

• If your application is approved, the following algorithm of actions can be followed:
• In agreement with the consultant, you select a specific branch and time to visit it.
• To speed up the registration procedure, you need to prepare all the necessary documents before going to the bank.
• The procedure for signing a loan agreement takes about 30 minutes.
• After which you can receive cash at the bank’s cash desk or receive money on a debit card.

Note: Along with the agreement, you will be provided with a payment schedule with a detailed schedule of the amount to be repaid and interest on the loan.

A loan from Baltic Bank can be repaid ahead of schedule without penalties or commissions to the bank.

How to find out the likely amount of your monthly payment

For the convenience of determining the loan amount, before submitting an online application, you can use the loan calculator presented on the website. The calculator will calculate the preliminary amount to be repaid and the possible monthly payment.

This procedure will allow you to independently determine the loan amount, in accordance with your income and capabilities. After preliminary calculation of the loan amount, you must enter this information in the online cash loan application form.

Important: loans from the Baltic bank, issued without certificates and guarantors in the amount up to 1 million rubles

Credit limits and interest per annum for their use

Type of loan product	Interest, per annum	Credit limit in rubles	Loan terms	Loan objectives, terms and conditions
Personal	21-23	200,000 – 1 million	6-36 months	Salary clients
Affiliate	24-25	200 thousand – 400 thousand	6-60 months	For investors and new clients
Educational	18.99	According to the training contract	Up to 5 years	For students
Refinancing	24	According to the re-lending agreement	From 3 to 36 months	Borrowers of other banks
Prestige	18,99-19,99	50 thousand – 1 million	6- 60 months	For repeat clients

Note: the range of interest rates per annum varies within from 14.9 to 24%. Interest rates are calculated individually depending on the amount and terms of the loan, as well as the purpose of the loan .

Documents for obtaining a loan under the relevant lending program

Program	Package of documents, conditions
Personal	Passport. Age 21 -65 years.
Affiliate	Permanent employment in the region. Age 18 -65 years. Availability of a plastic card of the organization.
Prestige	Permanent employment in the region. Age 23 -65 years. Availability of a plastic card of the organization.
Re-lending	Passport. One or more loan agreements. At least receipts for 6 payments on that loan

Important: in accordance with the refinancing program at the Baltic Bank. Loan terms under this program may be increased up to 84 months – 7 years. To confirm your identity, you will need a passport or other document confirming this information.

Advantages and disadvantages of a loan from a Baltic bank

Baltic offers maximum amounts at minimum interest rates.

Pros and cons of a loan from a Baltic bank

Baltic Bank provides the opportunity to get a cash loan for any purpose; the procedure for obtaining a loan has some differences for bank clients and new clients. The bank offers a wide variety of lending programs, including educational and refinancing programs.