Consumer credit in MKB for individuals. Take a consumer loan in a Moscow credit bank Mortgage loan calculator for Android

In the ICB, a loan is issued by a non-cash transfer of funds to a bank card, a service fee for which is not charged. At the same time, consideration of the client's application does not take more than 3 working days, and the approved decision is valid for a month.

Lending terms

In 2017, the bank has a unified personal lending program for individuals and individual entrepreneurs. And this means that you can take a loan:

• business owners and pensioners;
• for any need;
• for the purpose of refinancing (that is, on-lending) debts of third-party banks.

To apply online, go to .

The loan terms are as follows:

1. The loan currency is Russian rubles and US dollars.
2. The minimum loan amount is 50,000 rubles (or dollar equivalent).
3. The maximum amount is 2,000,000 rubles (or the same amount in terms of US dollars). The maximum possible amount may be increased to 5,000,000 rubles at the discretion of the credit bank or by the amount of insurance.
4. Loan term - from 6 to 180 months.
5. Interest rate - from 11.99 to 26% in rubles and from 12 to 39% in foreign currency.

Here's what will help you lower your loan rate:

• positive credit history;
• participation in the MKB salary project;
• having a bank account or deposit;
• employment in state, budgetary and bank-accredited companies;
• receipt of pension income assigned by age or in connection with the length of service.

Credit Bank of Moscow does not charge commissions for issuing a loan and servicing a transaction. But the delay in the next payment is punishable by a penalty of 20% per annum of the amount not paid on time and a mark in the credit history.

ICD requirements

Citizens of the Russian Federation from the age of 18 can apply for a consumer loan. In case of marriage or application of any of the grounds for emancipation - from 16 years of age. In addition, the requirements for the borrower include:

• Russian registration;
• employment in organizations in Moscow and the Moscow region;
• permanent source of income: salary or pension.

If the applicant is a business owner, a number of additional requirements are imposed on him:

• the period of registration of the enterprise - at least a year;
• doing business in the territory of the bank's presence;
• 20% share in the business (less shares are possible if this type of income is the main one; in other cases, the owners of a small share are considered as employees).

An application for a cash loan is made according to the passport. It is necessary to fill out a questionnaire and present documents confirming the official position or legal status of a citizen (military ID, service certificate, etc.).

In some cases, the bank additionally requests:

• a copy of the employment contract or work book;
• information on income (2-NDFL, account statement, bank statement, etc.);
• international passport;
• TIN and SNILS;
• driver's license;
• education documents;
• pension certificate, etc.

The full list of documents is determined on an individual basis and can be regulated at the discretion of the bank.

secured lending

In some cases, the bank reserves the right to issue loans with collateral, namely:

• secured by real estate (commercial non-residential premises, warehouses, industrial buildings, land, and even secured by an apartment);
• with a guarantee.

Such a requirement is not included in the list of mandatory lending conditions, but is put forward after analyzing the personality of the borrower. In particular, it may apply to individuals with bad credit history.

It is worth remembering that when transferring property as a pledge, any bank requires an additional package of documents relating to the subject of the pledge. The pledgor must confirm that he has the rights to use and dispose of the property that is planned to be encumbered.

How to apply

The standard way to get a preliminary consultation and fill out a loan application is to visit the nearest representative office of the bank. MKB offices are open from 10:00 to 21:00 seven days a week, and the nearest branch can be found on the bank's website.

To apply remotely, you can use:

• support services by calling 777-4-888 or 8-800-100-4-888;
• MKB online service on the bank's website (available to existing customers);
• the "Order a call" service on the bank's website;
• service.

To fill out the application form on the official website of the bank, you need to click the "leave an application" button and enter the necessary data (detailed information on filling out). A bank employee will contact you shortly to clarify the details. There is also a "calculation" button, through which you can calculate the approximate loan amount and monthly payments.

Borrower insurance

The life and health insurance service for loan recipients is practiced in many banks. MKB offers 2 insurance programs:

1. In the event of death or disability. The sum insured is equal to the amount of the loan and decreases as financial obligations are fulfilled.
2. In case of job loss. The sum insured is five times the initial loan payment. Insured events: downsizing, liquidation of an enterprise, etc. Voluntary dismissal is not an insured event.

Registration of one of the programs is a voluntary matter, and the client's refusal to join the program cannot serve as a reason for making a negative decision on the loan. However, in many cases, the refusal of insurance entails an increase in the interest rate as compensation for bank risks.

Moscow Credit Bank (MCB) is a universal commercial organization with a large list of loan products for individuals. The territory of the bank's presence is vast, but does not go beyond the borders of Moscow and the region. The bank offers its clients general purpose loans without collateral and collateral, refinancing, car loans, mortgage loans to purchase an apartment on the secondary market or in a house under construction. The loan calculator of the Moscow Credit Bank is suitable for online calculation of any of the listed loans.

Mortgage Loan Calculator for Android

Calculation and accounting of multiple loans. Export data via email. Ability to evaluate the benefits of early payments. Graphical representation of profitability using graphs. Calculation with a change in the interest rate.



Loan calculator for iPhone/iPad

A version for iPhone and iPad is available. A convenient calculator that allows you to calculate a loan, and early repayment of a loan is also possible

Loan calculator for Windows Phone 7-8

By using ICD loan calculator a potential borrower will be able to find out the amount of the monthly payment before visiting the office. This will allow you to correctly calculate your financial capabilities, because the amount of payment cannot exceed 40-50% of the salary.

The ICB consumer loan calculator will allow you to calculate a loan for two types of payments: annuity and differentiated. You also need to specify the loan amount, interest rate and term. As a result, the borrower will receive a detailed payment schedule, where you can immediately see which amounts are used to repay the loan body, and which ones are used to cover interest. Also, the user will see the amount of the overpayment and the amount due at the end of the term.

The calculation of the loan in the ICB will allow you to compare the bank's offers with similar loans from other credit organizations.

Loans of the Moscow Credit Bank

There are only 2 products in the list of MKB consumer loans:

1. Non-purpose loan without collateral, collateral and surety. It is issued in the amount of 50,000 to 1.5 million rubles for a period of 6 months to 15 years. The minimum rate is 17% per annum, set on the basis of an assessment of the client's creditworthiness, his credit history. Individuals - citizens of the Russian Federation aged 18 to 69 years can get a loan. In this case, the employer of the potential borrower must be registered in Moscow or Moscow Region. A passport is required to apply; the second identity document (TIN, SNILS, driver's license, etc.) The bank has the right to require additional documents: a scanned copy of the work book certified by the authorities, a certificate of 2NDFL for 3 months. Consideration of the application takes from 1 hour to 3 business days. You can use money for any purpose, whether it is repairing or arranging an apartment, educating children, or realizing a cherished dream. The Bank actively promotes consumer general purpose loans among borrowers who want to get a car loan.
2. Refinancing of loans issued in other banks. Borrowers who have several loans in different banks can combine them into 1 loan using the ICB program. The maximum loan amount is 1.5 million rubles. for up to 15 years. The rate is determined individually, the minimum is 17% per annum.

More favorable loan conditions await payroll clients and employees of MKB partner companies. The term of provision varies from 6 months to 15 years, the maximum amount is 1.5 million rubles. The interest rate depends on the assessment of the client's creditworthiness, his credit history. To apply for a loan, you will need a passport and TIN of the employer. Before applying for a loan in the ICB, it is recommended to obtain a preliminary decision from the bank.

In addition to a consumer loan that can be spent on buying a car, the MKB line includes car loans and special programs for the purchase of vehicles with state subsidies.

A popular car loan is the product "Quick loan" with consideration of the application in 1-3 hours. For speed, you will have to pay inflated interest rates. The exact amount depends on the amount of the down payment and the term. For example, if the loan term does not exceed 3 years with an initial payment of 15%, then the rate varies from 22% to 34.5% per annum. A similar loan for a period of 7 years has a range of interest rates from 22.5% to 34% per year. The loan amount varies from 120 thousand to 1.5 million rubles. For registration, a minimum package of documents is required: a passport, an application with a questionnaire, a driver's license.

The most advantageous offer of MKB is a car loan with state support. A fixed rate of 11.67% per annum is valid for loan amounts from 250,000 to 800,000 rubles. The loan term varies from 6 months to 3 years, and the down payment must be at least 20% of the cost of the car. Among the mandatory conditions is the execution of a CASCO policy at your own expense.

Mortgage and Mortgage Calculator ICD

Moscow Credit Bank offers potential customers 2 mortgage programs: an apartment in a house under construction or in the secondary market. Let's look at the conditions for mortgage loans in a comparative table:

When considering an application for a mortgage, the bank takes into account any earnings of the client, including those with an alternative form of confirmation. The combined income of the spouses is also taken into account.

To apply for a mortgage product, the borrower must provide the bank with the following package of documents:

• Questionnaire
• Borrower's passport
• TIN, SNILS, military ID for men under 27
• Help in the form of 2NDFL for 3 months
• Employment contract or a scanned copy of the work book certified by the employer and stamped
• Documents indicating the marital status of the borrower
• Documents confirming the ownership of real estate, a car, etc.

After the decision of the bank, you need to provide documents for the property to be credited within 3 months. So much is a positive decision on a mortgage application.

Methods of repayment of consumer loans in the Moscow Credit Bank

MKB offers its customers a wide range of ways to pay off debt:

1. At cash points and ATMs of the bank with the function of accepting cash (cash in)
2. In PVN and ATMs of the bank with the function of payment by card. The client must have an MKB debit/credit card
3. At the bank branch, in cash through the cash desk
4. Through Internet banking MKB-Online. The client must have a different account or card
5. Bank transfer according to account details
6. Payment in Svyaznoy stores
7. With the help of the "recurring payment" service. Automatic debiting of funds from the MKB card or any other bank. To activate the service, the client must contact the branch.

The loan calculator of the Moscow Credit Bank 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 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 credit calculator of the Moscow Credit Bank is: convenient, visual, free.

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

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Moscow Credit Bank offers two consumer lending programs with well-balanced conditions. MKB is well aware of the needs of customers, here they know how to work with everyone. MKB banking services are available 7 days a week.

Consumer loans of the Moscow Credit Bank are extremely convenient for most people. They are easy to arrange, the terms of cooperation will be attractive, and you can spend funds on any purchases, as you please.

What consumer loans does the bank offer?

You can take a consumer loan at the Moscow Credit Bank under 4 programs: in rubles in cash, refinancing, on trust - without certificates.

For all proposals, the procedure for obtaining will be extremely simple, but the money will be spent on consumer needs. For example, shopping in stores, treatment, travel, gifts for friends, repairs, paying off past debts.

Terms of registration

A consumer loan is provided at the Moscow Credit Bank in 2019 under favorable programs:

• interest rate - 10.9 - 24%;
• size - from 50,000 to 3,000,000 rubles;
• for holders of salary cards - without proof of income;
• repayment period - up to 10 years, which allows you to reduce the monthly payment;
• without guarantors;
• the application is sent via the Internet;
• with a quick review of the questionnaire.

The calculator helps to calculate the amount of the overpayment, it also allows you to find the most profitable loan for consumer needs in the Moscow Credit Bank. If you do not find a suitable one in the list of offers, explore alternative options in other institutions.