Otp bank what documents are needed. Consumer loan in "otp-bank" - features, conditions and reviews
Is it possible to get a cash loan without certificates and guarantors at OTP Bank? How to apply correctly, and what is needed for this?
Below is the entire required list documents, requirements for the loan applicant and methods of its repayment.
Terms of lending to individuals in OTP Bank
OTP Bank in its work is focused on each individual client. Therefore, the dimensions interest rate, repayment schedules or loan terms may vary significantly depending on income level, ownership, and/or the amount and duration of the loan.
It is possible to quickly process a loan within a quarter of an hour, subject to compliance with all requirements for the applicant and the provision required package documents.
OTP Bank issues cash loans without any hidden or additional fees. For early closure without overpayments, it is enough to fill out a special application.
OTP Bank also provides the opportunity to apply for a cash loan online without leaving home.
What is the average rate?
The annual rate for cash loans at OTP Bank can range from 22.9% to 38.9%.
Important! In the absence of delays in monthly payments, recalculation is made for a reduced rate. After that, the rate is reduced to 11.9 percent per annum.
Recalculation is possible not earlier than through:
- 120 calendar days for loans up to one and a half years;
- 240 calendar days for loans up to three years;
- 365 calendar days for loans up to five years.
Thus, the average annual rate is 14.9% percent. In the event of subsequent delays in payments, the preferential rate will be canceled and the original interest rate will be returned.
Required documents
To apply for a cash loan at OTP Bank, you must have with you:
- Citizen's identity card Russian Federation;
- A document on the assignment of a taxpayer identification code or on the registration of an individual entrepreneur;
- TIN of the employer or pensioner's certificate;
- A certificate confirming the income received.
When applying for a loan over two hundred thousand rubles, additionally required:
- A certified copy of the work book;
- Certificate 2-NDFL for at least the last six months from the main place of work.
It is also necessary to comply with the following conditions:
- In the region of the official place of residence of the person being credited, there must be at least one OTP department Jar.
- Age not less than twenty-one years and not more than sixty-eight.
- Work in the last place for at least three months.
Will a cash loan without certificates and guarantors be approved?
An application for a cash loan without a certificate and guarantors at OTP Bank will not be approved. At the same time, the absence or presence of a guarantor for the loan is not significant. Since OTP Bank does not provide any loans, loans, mortgages or credit cards, in the absence of documents confirming income. This is a mandatory and unchanged, today, condition.
Certificate of income - a mandatory document for obtaining a loan in OTP Bank in cash or on a card
How to pay a loan to OTP Bank?
OTP Bank offers a wide range of ways to make the required monthly loan installments, both online and in cash.
Online payments:
- a special application for mobile devices from OTP Bank, which allows you to make online payments;
- transfer from any card through the personal account of the bank that issued it;
- by account number using the Golden Crown service (Euroset, MTS, Beeline, Kari, Know-How);
- using QIWI payment wallets;
- through the network of salons "Svyaznoy";
- by using payment system"Eleksnet";
- Yandex money.
Cash payments.
Experiencing financial difficulties, citizens are trying to find a way to get rid of them as quickly as possible and with minimal losses. Some turn to friends and relatives for help, others become clients of microfinance organizations and receive cash money loan at a high rate.
One of the most common ways to borrow money is to get a bank loan.
Therefore, the question of what documents may be needed to apply for a loan at OTP Bank becomes relevant.
OTP bank, just like others banking institutions, makes a number of requirements for potential borrowers. Among them are the following:
- the presence of Russian citizenship;
- the presence of permanent registration in the region where there is OTP branch bank and actual residence in the region where the loan is issued;
- achievement by the borrower of 21 years, but the maximum age at the time of conclusion of the contract is 68 years;
- permanent employment/retirement.
For citizens engaged in entrepreneurial activities, including notaries and lawyers, slightly different conditions have been established regarding age (from 25 years) and work experience (at least 12 months).
By meeting all the above requirements, the client can count on 100% success in obtaining a loan. In addition, if at the time of treatment he had a positive credit history or he presented one or more guarantors or liquid property as collateral, this greatly increases the chances of success.
Required documents
To obtain a loan from the borrower, it is required to collect a package of documents and submit it for consideration to a bank employee.
Full package
The standard set of papers required for obtaining a loan of up to 200 thousand rubles is as follows:
- statement;
- general passport;
- original TIN;
- for working citizens TIN of a legal entity;
- certificate for pensioners pension fund.
If the borrower intends to receive from 200 to 400 thousand rubles, then you will additionally have to provide a copy of the work book, certified by the signature and seal of the head of the company. For a loan, the amount of which exceeds 400 thousand rubles, you will need a certificate of income for the last 6 months in the form 2-NDFL.
Minimum package
Interestingly, OTP Bank provides its customers with the opportunity to receive an express loan. To do this, it is enough to provide a passport of the Russian Federation and one of the documents: a passport, a driver's license, a certificate of pension insurance, a military ID or TIN.
Express loan is available only to working citizens. People who have officially retired will not be able to take advantage of this program.
Documentation for payroll clients
Having wondered what documents are needed to apply for a loan at OTP Bank for citizens who are already its clients and have bank card, to which a salary or pension is received, the answer is as follows: it is enough to contact a bank branch to obtain a bank statement and submit a corresponding application.
To start using the OTP Bank card, you must first activate it. To do this, call the bank at 8800 200 7001 or contact an employee via Skype otpbank_russia, inform about the intention to activate your BPC. After you answer the clarifying questions of the specialist, the card will be available for use in the near future.
Credit card holders can activate BPC through an interactive phone service (IVR). To do this, you will need to call 8800 200 7001 and dial "4" in tone mode.
2. Checking the balance of the card
You can check your account balance in any of the following ways:
- By phone (without connection to the operator)
Using Interactive Phone Service (IVR). You will need to call 8800 200 7001 and dial “2 card number * telecode” in tone mode.
- Via SMS
You can find out the available balance at any time by sending an SMS with the word bal to 5927 from your mobile phone.
- With express checkout
To get an express help on the card, you need to enter the BPC number and telecode on the bank's page.
- Via Internet banking OTPdirect
Going into Personal Area remote access system OTPdirect, on the main page you can see all the basic information about available cards, loans, accounts. You can familiarize yourself with the Instructions for working with the OTPdirect Internet service on the website.
- Help Desk
You should contact the OTP Bank operator at 495 775 7506 or 8800 200 7001.
- At an ATM
- At a bank branch
3. Credit card replenishment
OTP Bank offers its customers a variety of ways to repay debts:
- Through a self-service terminal
In the menu of the device, you must select "Payment of loans" / "Personal account" - "Login by card number". In the window, enter the credit card number and telecode, then select the required BOD and payment type. After that - deposit cash in cash. Funds will be credited on the same day.
- In the centers "Svyaznoy"
You can repay the debt in the center of the Svyaznoy network. Enrollment - during the working day. Commission - 1% (minimum 50 rubles). To carry out the operation, you need to know the card account number and have a passport with you.
- Through QIWI terminals, Eleksnet, Bank "Primorye"
On the screen, find "Repayment of loans", select OTP Bank, indicate the details of the recipient, account or card number, the required amount. Insert cash into the bill acceptor and confirm the operation. Get a check.
- With the service " gold Crown»
You can replenish your account in MTS stores through the Golden Crown service. Enrollment - 2 business days. Commission - 1% (minimum 50 rubles). You will find all the details of the payment.
- Through the service "Pay on the way"
You can pay off the debt in terminal networks (Telepay, Sprintnet, RosExpress, Quickpay, Pinpay express and RosExpress), household appliances / electronics stores and cash desks of communication stores (Euroset, Technosila, Svyaznoy, MVideo, Alt Telecom, Eldorado, Domo). Commission - 1% (minimum 50 rubles). Payment is the next business day. Don't forget to take your passport and account number.
- Postal transfer
You can make a transfer at one of the branches of the Russian Post by filling out the appropriate form. Commission - 1.5% (minimum 40 rubles), term - 3-5 days.
- Through payment contact systems and Cyberplat
Contact commission - 1% (minimum 50 rubles). Cyberplat commission - 1.5% (minimum 50 rubles). Payment is the next business day. You will need an account number and a passport.
- IN OTP ATMs Jar
You can repay a loan using Visa / MasterCard cards quickly and without commission at ATMs (in bank branches) with the cash-in function. You can find the nearest ATM on the OTP Bank website.
- Through ATMs of partner banks
In this way, you can pay off the debt on the Visa credit card of OTP Bank with Visa cards any bank. Commission and terms will depend on the partner bank. To carry out the operation, you need to insert the card into the device, dial the PIN code, select the appropriate option in the menu, indicate the recipient's card number and the required amount, and then confirm your actions.
- Through the Internet payment system
You can transfer funds to pay off the debt using the services of the electronic payment systems Yandex.Money and MoneyMail. Yandex.Money commission - 3% + 15 rubles. MoneyMail commission - 2% (minimum 20 rubles). The term of enrollment in the first case is up to 7 days, in the second - 1 day.
First you need to register (if you are not already a user) on the PS website. You will have online wallet, which can be replenished in any way indicated on the site. In the “Repayment of loans” subsection, find OTP Bank, drive in the details of the sender and recipient, enter the account number, amount, select the branch and confirm the payment.
- With a transfer from another bank
4. Increasing the credit limit
To learn about the possibility of increasing maximum size available loan funds on the card, you need to contact the bank at the round-the-clock number 8800 200 7001 or Skype otpbank_russia.
5. How to block a card
If you find that the card is lost/stolen, you must report it to the bank immediately by calling 8800 200 7001. The bank employee will instantly block the card, after which it will be reissued.
In addition, credit card holders can use the Interactive Phone Service (IVR) to block BPC. To do this, call 8800 200 7001 and press "1" in tone mode.
6. How to close the card
The loan agreement can be terminated unilaterally by the client at any time, provided that the card is returned to the bank and all obligations under the agreement are fulfilled, incl. loan repayment, payment of accrued interest, fees and commissions, penalties and other payments. The return of the card is not obligatory in case of its loss.
The client notifies the bank of the desire to terminate the agreement by submitting a written application in the prescribed form. An application for termination of the agreement must be submitted to the bank at least 40 calendar days before the expected date of termination of the agreement. From the date of acceptance of the application for termination of the agreement, the bank blocks all cards issued under the agreement.
Upon termination of the contract if there is a balance own funds client on the account, the bank transfers the balance Money, minus the commission for the transfer, according to the details specified by the client, or issues them from the cash desk in the manner prescribed by the legislation of the Russian Federation.
If you need some amount of money to solve your pressing problems, then we recommend that you turn your attention to OTP Bank, cash loans are issued on fairly attractive terms.
It is worth mentioning a few words about the bank itself. To date, OTP Bank holds a leading position in the Russian Federation in the market for providing consumer loans, entering a powerful financial conglomerate operating on banking markets not only Russia, but also Europe. By the beginning of 2015, the capitalization of the bank amounted to more than 31.5 billion rubles and has a positive trend, despite the sanctions. Thanks to an extensive service network with branches located throughout the country, the bank provides its customers with the most convenient and comfortable service.
Applying for OTP Bank
Applying for an online loan at OTP Bank is not difficult - the bank's service is as client-oriented as possible and allows customers to make a number of requests without leaving their computer.In OTP Bank, an application for a cash loan can be submitted by a citizen of the Russian Federation without income certificates, subject to reaching the age of 21. The maximum loan term is up to 60 months, the minimum is one year.
Credit rate varies depending on the term of the loan. For loan products for a period of 1 year, the rate ranges from 24.9 to 38.9%, and for products from two to five years - from 22.9 to 37.9%.
In order to apply for a loan, you need to have a permanent registration in the region where this product was issued. In other words, in order to apply for a loan in the Moscow branch, the borrower must have a Moscow registration.
Minimum amount a loan that can be issued is 15,000 rubles, the maximum is up to 1,000,000 rubles. The allowable age limit for borrowers is from 21 to 65 years. Therefore, even pensioners, including retired military officers and employees of the Ministry of Internal Affairs, can apply for a loan.
To get a loan, you need to indicate your permanent place of work or activity, subject to at least three months of experience with the current employer.
Documents required for obtaining a loan
In order to issue cash loans to OTP Bank, the borrower must provide a certain package of necessary documents without fail. Consider the list of documents depending on their importance:- Passport of a citizen of the Russian Federation. Mandatory Document, which you will require in the first place;
- Original TIN (certificate of tax registration). For borrowers who are employed, the TIN of the employer or EDRPOU (OKPO) of the enterprise in which they work will also be required;
- Pension certificate (for pensioners), as well as an extract from the bank account to which pension accruals are made. Alternatively, a certificate from the branch of the Pension Fund will be sufficient, indicating the amount of pension accruals and the date of retirement;
This minimum of documents is enough to apply for a cash loan online in the OTP Bank for up to 200,000 rubles. If you require a large amount, you will need to provide additional package documentation:
- A copy of the work book, certified by the seal of the organization in which the borrower currently works.
- For military personnel who serve on a contract basis, you will need to provide a copy of the contract and a certificate from the place of military service.
Making a loan without references and guarantors
If the borrower is already a client of the bank and has plastic card, where his salary is accrued, then he can apply for a cash loan at OTP Bank without certificates and guarantors. To do this, just contact your bank branch to get a bank statement.Why online application is better?
Applying for an OTP bank cash loan online is much more convenient than going to a bank branch on purpose. There are a number of reasons for this:- Online customer applications have a higher priority than regular ones and are processed much faster;
- The client can submit an application from any place convenient for him: office, home, even while relaxing on the sea.
It is not practiced to confirm credit obligations with pledges of property or guarantors - the client only needs a package of documents that he provides to the bank.
For all its potential clients, OTP Bank reminds that it appreciates each of them, but in turn hopes that the clients will fulfill all their loan obligations. In case of delay in payment of credit obligations, the bank imposes penalties in the amount of 0.5% of the debt amount for each day of delay.
Good afternoon.
A couple of hours later I received a call in which the robot told me that my OTP map Bank successfully activated! I tried to contact the bank, but without success. After some time, I received a message that my loan in TOUCH BANK was fully repaid. That is, a bank or an employee without my knowledge activated the card and refinancing took place !!! The next day, I nevertheless got through to the customer support number of OTP Bank, blocked the card and the employee advised me to write an appeal in the feedback form on the website regarding my situation. I left a message. I received an SMS stating that the deadline for consideration of my application is until 09/06/18. And on 09/06/18 - an SMS that my appeal requires more time ...
On September 13, 2018, I went to the OTP Bank branch at 16 Leningradskoye Highway and asked for information about the status of my account, if any (I had no interaction with this bank before). And please, in the document that the specialist gave me, it says that I am OTP client Bank and I have credit card with a certain amount of debt. And the account was opened on 08/22/2018. Further, I asked the Bank's specialist if I could get a copy of the agreement on the basis of which the credit card was issued. He replied that of course, for this I need to go to the claims department. The claims department refused me after they heard that I had not seen and signed the contract, referring to the fact that I needed to wait for a response to my appeal. How long to wait, no one knows. I asked a claim department specialist if I needed to make payments on a card that I did not receive, she shrugged her hands in response and offered to wait for a response to the appeal. Application number 18079773.
I really hope that OTP Bank specialists will read my review and be able to offer solutions to this situation. Otherwise, I will be forced to apply for the protection of my rights to Rosporebnadzor, the Prosecutor's Office, the Central Bank, as well as to make the case public and distribute this information in all available print media and TV and radio channels.