OTP Bank is a representative of an international financial group that occupies a leading position in the credit services market in Europe.

It offers customers a variety of services for entrepreneurs. It is also one of the fifty largest Russian banks.
This organization is a member of the deposit insurance system and a member of the Moscow Exchange, and in addition, it is a member of the Association of European Businesses and the National Stock Association.

Today, this bank has almost four million customers.

Users are served through networks consisting of ninety-six offices and one hundred and ninety-five ATM networks.

The main objective of this bank is to build long-term relationships with borrowers based on trust.

The client can take out a cash loan. The credit limit and payment schedule are calculated individually.

In case of early repayment of the loan, no additional fee is charged. You can apply for a loan both on the official website and in one of the bank branches.

Important! It also offers small business loans without collateral and for a short period of time. This is a great option for small businesses. To obtain such a loan, leave an application on the official website of the bank. Rest assured that the payment will be provided on time.

To get a loan, you must provide the following documents:

1. Passport, as well as TIN.

2. To receive a loan, pensioners must provide a copy of their pension certificate.

3. To confirm income, provide a copy of the passbook or a certificate of the amount of the pension received.

4. An individual entrepreneur, in addition to the registration certificate, must provide a sheet from the register of all individual entrepreneurs.

5. In order to take a loan in the amount of two hundred thousand to four hundred thousand rubles, an employee must provide a work book, previously certified by the employer.

To take a loan in the amount of more than four hundred thousand rubles, you will need to provide a certificate of income in a banking form.

Important! The bank has the right to require additional documentation from customers, for example, the TIN of the company where the potential client works.

This information is needed to check the movement of assets in payroll accounts. Men over the age of twenty-seven must present a military ID.

When contacting the bank, prepare all possible documents, for example, a copy of a driver's license or passport.

Loan types

Bank customers are offered excellent cash loans. Such a loan can be taken for any purpose.

The contract is concluded in one of the bank's offices. The loan is calculated in equal installments.

The loan can be repaid ahead of schedule both in installments and in full.

Here are the conditions under which such a loan is issued:

• the maximum loan amount reaches seven hundred and fifty thousand rubles;
• the minimum term for which a loan can be taken is one month, and the maximum is five years;
• such a loan can be taken in rubles.

To receive such a loan, the user must provide documents to confirm income: a bank statement, as well as personal income tax.

Also, the client must have a certificate from the nearest pension fund.

Here are the main requirements for the borrower when obtaining such a loan:

1. He must be between twenty-one and sixty-eight years of age.
2. Work experience in the last position must be at least three months.
3. The user must be registered in one of the regions where the bank branch is located.

1. Large families are offered a loan "Preferential".

This offer is relevant for borrowers who are married and have more than three children.

• The conditions are the same as in a great cash loan.
• The interest rate depends on the term for which the client took the loan.
• If the user has taken a loan for a period of one to twelve months (with a guarantor), then the interest rate will be ten percent.
• A client who has taken a loan for a period of thirteen to twenty-four months is offered a rate of fifteen percent.
• If the user took a loan for a period of twenty-five to sixty months, the rate will increase to nineteen percent.
• When taking a loan without a guarantor for up to twelve months, the rate will be fourteen percent.
• If the user has taken a loan without a guarantor for up to twenty-four months, the rate will be eighteen percent.
• When taking a loan for up to sixty months, the rate increases to twenty-three percent.

2. Express loan.

Those who urgently need money, for example, for treatment or vacation, are offered this type of loan.

To apply for it, you only need a passport. Bank employees will make a decision within a few hours.

The only drawback of such a loan is a high overpayment of up to seventeen percent.

The terms of the loan are as follows:

• Such a loan is issued in rubles.
• A loan can be taken in the amount of fifty thousand rubles.
• The maximum amount of such a loan is fifty thousand rubles.
• In case of early repayment, no commission is charged from the user.
• The maximum loan term is five years.

Important! When users take a loan for up to twelve months, the rate will be from seventeen to thirty percent.

When taking a loan for sixty months, the rate ranges from twenty-five to thirty-five percent.

Applying for a loan online

Those who are used to applying for banking services online should use our service.

Here are the main advantages of filing a remote application:

1. You can apply online for a loan in various ways.

2. Customers can review the decision on request one day after submitting the application, which helps to save a lot of time in case of refusal.

3. The user saves a lot of time and money.

4. You can apply online anytime, anywhere. To fill out the questionnaire, you only need a passport and an internet connection.

OTP Bank loan repayment

In addition to repaying loans through the terminal, there are several payment methods:

1. You can pay the loan on the official website using a bank card. Money will be credited in a day. The commission amount is two percent.
2. You can also repay the loan through a QIWI wallet. The commission is one and a half percent.
3. You can pay off the loan in retail chains that are partners of the Golden Crown. Money is credited instantly, and the commission is one percent.
4. Another way to repay a loan is the Eleksnet electronic wallet. The commission will be one and a half percent.
5. You can also transfer money from the account of one of the MTS mobile numbers, the Commission is two and a half percent.
6. Alternatively, repay the loan from the Yandex money e-wallet. Specify the size of the commission when paying.
7. You can repay the loan using the Cyberplat payment system. The commission is one and a half percent. Money is credited in one day.
8. You can also pay the loan in MegaFon salons. Payment arrives in a few days. The commission is one percent.

Important! You can also negotiate with your employer and ask for an automatic payment from the accounting department to repay the loan.

How to find out your loan balance

Here are a few ways to check your loan balances:

1. So, to identify the balance on loans through an online bank, go to your account on the official page and enter the password issued after the conclusion of the loan agreement. There is no charge for this service.

2. You can also download a dedicated mobile phone application.

This service is analogous to an electronic bank. When working with this add-on, use the same password as when working with online banking.

In the absence of the Internet, use the SMS-banking service.

Thanks to this service, you can quickly get the necessary information on loans: just send an SMS with the word "loan".

3. You can check the balance of the loan by contacting the help desk staff - to do this, call 0707.

For subscribers of Russian mobile operators, such a call is completely free. This service is around the clock.

Important! Also, information on debt is provided in one of the bank branches.

Finding out where the nearest bank is located is very simple: go to the official page, select your city and click on "bank branches". As a result, the client will see a map showing the nearest bank branches.

What are the current loan offers?

Here are the current offers from this bank.

1. So, you can take a loan under the Express scheme.

Under such a program, the user does not require material support.

The application is considered within a few days. There are no fees or commissions, and there is no cost control.

The minimum bet is thirty-five percent and the maximum is sixty-four percent.

Such a loan can be taken in the amount of fifteen thousand rubles. To get a cash loan under the express scheme, it is not necessary to present a certificate of income received.

2. Cash loan with a full package of documentation.

The annual rate is at least twenty-three rubles. You can take such a loan in the amount of forty thousand Russian rubles.

To get a loan, be sure to provide a certificate of salary.

Important! You can apply for a loan according to a similar scheme for employees and pensioners over twenty-one years old.

However, the user must be at least sixty-five years old by the loan repayment date.

The length of service must be longer than the probationary period, that is, at least three months must be worked at the last workplace.

So, getting a loan from OTP Bank is very simple. To do this, provide the necessary documents for obtaining a loan and follow the recommendations given in this article.

Attention! All information on this website is provided for informational purposes only. The site does not collect and process personal data. Federal Law of July 27, 2006 N 152-FZ "On Personal Data" is not violated.

Good day to all Irecommend readers!

Today is a review about my experience of lending at OTP Bank. It happens that the client begins the story with the words: " Made me contact..."

I can’t say that about myself, both times the decision was balanced and without haste. I read the form and contract before signing . How else? I realized that this was a loan, and the bank was a legal entity to which, by law, I must repay the money and interest on time. And they don't care what my "circumstances" are. Of course, there are exceptions, and financial institutions go to meet the unfortunate client. But this is a rare exception and strictly at the request of the first. It is unreasonable to demand and be offended, sending thousands of curses.

*** My credits ***

The first time I took out a loan for equipment 3 years ago. While I was preparing a review, I did not find the documents for photographs, but I have them (I keep them), if I dig them out, I will also attach them. Average interest, paid, forgot. Two years later, I decided to issue another installment plan in Ascona. Oh yes, I also had a fascinating history with this network!

AND together with the furniture, I became the "happy" owner of the loan agreement with OTP Bank.

In words was INSTALLATION.

Installment payment is a method of purchasing goods, in which the buyer is given the right to pay for the purchase in equal installments with a certain period of time.

In fact - a CREDIT, because I entered into a loan agreement. And this is a completely different topic.

Bank loan - the amount that the bank lends to the client for the purchase of goods for temporary use at a certain percentage.

How to connect these two concepts?

*** Installment credit!? How is that!? ***

Yes, both times I took out a loan, but there is TWO NUANCES :

Firstly , the rate of the loan product was not easy, and promotional.

Marketing promotion: 0-0-10 А2

This is stated in the contract below.

STOP! But what about the interest rate - 14.5% and interest?

Despite the fact that the rate was 14.5%, in fact, I "as if" did not overpay. Why?

Secondly , the store took off the amount of the overpayment from the price of the item purchased on credit. This is what it looks like (highlighted in red).

The following came out:

The OTP Bank loan calculator will help you calculate a consumer cash loan in 2018-2019: the amount of monthly loan payments and the terms of payment for early repayment. You can use the official online calculator on the site for free!

Living on credit is convenient and practical. Consumer loans have firmly entered the life of Russians. Cash loans are especially popular among borrowers. Lending in 2017 - 2018 will please with a variety of offers for individuals.

To choose the most interesting and profitable of them, to plan early repayment of the loan, you need a financial instrument. This is exactly what the OTP Bank loan calculator is: convenient, visual, free.

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OTP Bank offers 6 cash consumer lending programs, as well as 3 programs for the purchase of goods through consumer loans in the stores of the bank's partners.

Lending terms

• Age of the borrower: from 18 to 75 years (at the time of repayment);
• Minimum amount: 30,000 rubles;
• Maximum amount: 5 million rubles;
• Term: from 3 months to 5 years;
• Commission for issuing a loan: none;
• Security: guarantees of individuals - citizens of the Russian Federation (no more than 2).

Interest rate on a loan

We are gradually filling this section. It's worth the wait :)

The loan repayment calculator allows you to calculate online the amount of payment, interest and overpayment for loans with early repayment, with partial early repayment.

The loan calculator will calculate:

• For payroll card holders
• For legal entities.
• For individuals.
• For pensioners.
• For IP.

The conditions for granting a loan depend on the purpose of the loan, and determine: the required package of documents, interest rates, the amount of allocated funds. Bank loans can be taken:

• Cash.
• For small business development.
• To buy a car.
• To buy a house, to build a house.
• For refinancing.

I declare incorrectness and misleading me as a consumer on 03/04/2017, when OTP BANK approved an installment plan for the purchase of an Apple iPhone 7 32 GB Black phone at the Beeline office (Varshavskoe shosse, 143A (Shopping center "Idea").

The price of this phone in the salon is 52,990 rubles, the conditions attracted me because the installment plan is interest-free - for 10 months. with the provision of insurance within its framework for 2 years. Moreover, as it turned out, after reviewing my documents for consideration of the application for installment plan, OTP Bank approved it for me for 20 months, which, in principle, suited me, since the amount of payments decreased with the increase in the term. Upon concluding an agreement with OTP Bank, I was surprised that it turned out to be "credit", but the Beeline seller explained this by the terms of the partnership between the bank and the Beeline enterprise, but that the installment plan would be interest-free for me as a buyer. But then 2 documents aroused doubts - the specification for the contract and the payment schedule, both contained contradictions in the terms of the installment plan.

In one, for example, it was simultaneously indicated that "Loan fee 0%" and "Interest rate 25%" (a Beeline employee said that this% pays for his company). It was embarrassing in the schedule that my initial payment should be 03/25/04/04/2017 and amount to 3239 rubles, but the Beeline employee billed 5742.75 on the same day. I paid for it. And when I saw in the specification in the column "Total amount of payment" 64,773 rubles. 69 kopecks, then the difference with the price for the phone finally convinced me of the fact of a well-thought-out scheme. I asked questions about the overpayment, the seller continued to insist that the difference is the% that Beeline pays to the partner bank. I realized that, taking into account the payment already made and if we count from the term of the 1st payment, this is not at all the installment plan that I agreed to. She offered to terminate the contract and return the goods on the same day, but the seller refused, citing that he did not know what to do, because there were no such cases in his practice, and the management did not answer him.

A call to the hotline of OTP Bank also poorly clarified the situation: the bank operator assured that the payment of that day in the amount of 5742.75 was not a payment under an agreement with OTP Bank and the whole conversation was about a "loan agreement" and not about installments. This convinced me even more of the forgery, substitution, and distortion of information. And even the fact that the source was a Beeline employee, exposing it all as an installment share, does not relieve responsibility from OTP Bank, which works with Beeline according to this scheme - and it works successfully, because in the conversation it was repeatedly emphasized to me that it is with this bank that this action is always the most "successful" and "OTP approves everything to everyone." This indicates that OTP Bank is an accomplice in the deliberate concealment of facts from the client.

The end of the conversation with the hotline operator: you need to return the goods to Beeline (if the seller accepts, the operator emphasized, apparently realizing that this is a difficult return case, because the goods are in fact on credit from her bank!), And then write an application for repayment of the loan. I have asked the question many times - about what repayment? Why should I pay off the loan? I went to installments! In theory, she said that this is a statement about the repayment of a loan by Beeline. But I already vaguely understand how it should line up ... The Beeline employee also did nothing to help. I was in the office until closing, but the situation was not resolved. The police were called and I wrote a statement at the scene indicating the partner bank of the Beeline office.

I ask you to deal with the fact of misleading and an attempt in a similar way, under the guise of installments, to appropriate my money by a bank or Beeline. I was not accepted back for goods purchased at the same time, moreover, acquired as a result of deliberate concealment of facts or the incompetence of the seller. I want to terminate the agreement of dubious content with OTP Bank and no longer have any relationship with the participants in this incident.

Over the past few years, loans have tightly entered our lives. Probably, in every apartment there is equipment bought on credit or in installments. More and more often we hear the phrase: "I'll take it in installments." At the same time, most of us do not even think that there is a difference between a bank loan and an installment plan, and, it should be noted, the difference is significant. What a person who does not understand the intricacies of economics and finance calls installments, in fact, refers to the concept of a bank loan.

A bank loan is a loan issued by banks, which has a target orientation, is issued in money, requires collateral, is provided from own or borrowed capital. Borrowers can be both individuals and legal entities, creditors - banks. Relations between the borrower and creditors are regulated by the loan agreement. A bank loan requires collateral. To obtain a loan, the borrower must fill out an application for a loan, where it is necessary to prove solvency, indicating the previous credit history.

Installment is one of the types of commercial loans and provides for the sale of goods and services to individuals or legal entities on the terms of postponing the final settlement. The transfer of goods to the buyer is carried out at the time of the first installment, the owner becomes after full payment. According to the current legislation, banks do not have the right to provide services for the issuance of goods in installments. That is, an installment plan is the same loan, only it is given not by a bank, but by a store. In this case, the store lays the credit interest in the cost of the goods.

Recall that the testing ground for the beginning of the credit boom in the late 90s was the market for household appliances. Then, for the first time, people had the opportunity to take home refrigerators and televisions, paying only an initial fee. This was the beginning of mass lending. There were queues in the shops, people swept goods from the shelves. It was then that the sellers of household appliances were divided into those who began to give loans to the population themselves (this was called installment plan) and those who began to work with professionals - banks.

When banks entered household appliances and electronics stores in the 90s, they were a rather clumsy structure that simply did not have time to serve everyone. People were checked, certificates were required, there were many refusals in lending. This was the stage when banks, in fact, were learning about mass lending, gaining experience, using kettles and microwave ovens to test credit technologies, collect credit histories, and calculate risks. Then store installments looked more interesting than bank offers. They were as expensive as bank loans, but they were easier and faster to get. But over the past 10 years, the system of bank lending has undergone very serious changes. And today, it is for household appliances and electronics that the simplest and most profitable loans are provided. But the store installments remained expensive.

In the credit department of the store, as a rule, you can see representatives of several banks. They offer a huge selection of loan programs - for 12, 15, 24 and 36 months, loans with and without a down payment, loans without overpayment and much more. The consultant will always tell you which program is more profitable to take in a particular case. Lending in stores professionals call pos-lending.

An interesting fact was that even in times of crisis and a clear decline in any sales, pos-loans were still at the peak of popularity. Currently, pos-lending continues to gain momentum. More and more banks, including state-owned ones, are connecting to this type of customer service.

One of the largest players in the pos-lending market is OTP-Bank. He told the agency "Ural-press-inform" about the nuances and methods of the bank's work in stores Asker Enikeev, director of the Consumer Lending Directorate of OTP Bank.

- How many years has your bank been operating in the pos-lending market and what success have you already achieved?

OTP Bank has been in this market since 2003 and it became one of the first banks to start doing this in Russia. We currently rank second in the pos lending market in our country.

- What is the advantage of pos-lending over conventional loans?

This is a convenient and fast loan. The borrower receives it directly in the store for the purchase of a particular product. The time for consideration of the application usually does not exceed five minutes, the entire registration takes 15 minutes. There is no need to go to a bank branch and wait for a decision for several days. pos-lending saves the client's time. And time is money. A person does not need to go to a bank branch, waste their time, and then go back to the store and purchase goods that may no longer be available. Moreover, the average size of a pos-loan in Russia is 17 thousand rubles. And this means that it is available to almost everyone. Even if the client receives a low but stable salary, for example, 20 thousand rubles a month, then he can easily afford to pay about 1.5 thousand per month on a loan.

- What are the main conditions for issuing a pos-loan? Are additional commissions charged to the client?

OTP-Bank has a wide range of offers for the client. There are installments without overpayment, there are more expensive products. There are no hidden fees in the bank, we indicate the effective interest rate. Almost any Russian citizen who has a passport and lives in the territory where our bank operates has the opportunity to apply for a loan. The Bank+Shop tandem has developed a system of discounts for goods purchased on credit. This allows you to buy goods without overpayment. Let's say a client receives a loan from OTP Bank "For 36 months, without overpayment." In this case, the store makes a discount in the amount of bank interest. That is, in fact, a person pays only the cost of the goods, but within 36 months. The client can always repay the loan ahead of schedule, while the bank will recalculate, and the total loan amount will be significantly lower. In addition, OTP-Bank does not charge any additional commissions from the client.

- What are the basic requirements for the borrower and what documents are required to obtain a loan?

The age of the borrower must be from 23 to 60 years old and have a job that allows you to pay for this loan. In most cases, only a Russian passport is enough.

- How is the credit limit calculated?

When approving a loan and calculating the limit, the age of the borrower, income level, credit history and a number of other factors are taken into account.

- What other additional services are provided when issuing a loan?

At the choice of the borrower, a life insurance service is provided.

- In what case can a bank refuse to issue a pos-loan?

There are two main reasons for refusal: if the borrower has a bad credit history or insufficient income.

- How can I pay my loan debt?

There are many options: mail, electronic terminals, bank operating offices, bank terminals - in each case, the conditions for transferring money are different. This is a significant plus - you do not have to go to the store to make a deposit.

Pos lending is a rather risky and at the same time profitable way of lending to individuals. How does the bank deal with the risk of default?

The bank has extensive experience in this segment. Our specialists from the Risk Division evaluate the borrower using scoring models based on statistical data.

State banks also plan to enter the pos-lending market in the near future. How will banks fight competition and how will this affect the services offered?

This market is highly competitive, with both federal banks and local players present. If state-owned banks enter the POS market, there may be a redistribution of shares among the main market participants. This applies, to a greater extent, to federal retail chains, where there is a large flow of customers and a large trade turnover. It is also worth noting that if the competition becomes tougher, new original products will appear.

In the end, it is worth noting that lending is a business. And the goal of any business is to make money. Household appliances stores are specialists in the field of selling goods, loans are not their profile. The store simply does not have the resources at the banking level to check the people to whom the store lends money or create diverse and mobile loan programs. Therefore, the store simply lays all its risks in the cost of the goods. That is why the installment plan of the store was and remains just a very expensive loan. And do not fall for the phrase "interest-free installments", it may be interest-free, but expensive. In the end, the buyer is not interested in interest, but in the final amount that he must lay out.