Addresses of credit europa bank branches. Credit doctor loan europe bank

Good afternoon
Being a client of the bank for two years now, I never cease to be amazed at the work of the employees of this bank.
It all started with the fact that at the end of August a bank employee called me. The purpose of his call was to inform me about the new Doctor Credit campaign. He said that a certain amount was approved for me, and I can apply to some bank branches for paperwork. Of course, I was interested in this proposal, especially the interest rate of 18% per annum.

A bank employee picked up the conditions for issuing a loan for me, on the basis of a Russian passport, a foreign passport, a 2-NDFL certificate and a copy of the labor one. At the same time, I clarified that I would have a Russian passport in my new surname, and a passport and other documents - in the old one, i.e. girlish, as the documents have not yet been re-registered. “Yes,” she clarified. “There shouldn’t be any problems. Think about the offer and, if you agree, call back the number that will be indicated in the SMS about this promotion.” The conversation ended with the fact that I promised to call back and inform about my decision.

After a while, I call back by phone to clarify the nuances of registration. They didn’t connect me right away, but asked me to leave my phone, saying that they would contact me. A few minutes later, a bank employee calls me back, I don’t want to say anything here, they called back quickly.
The employee suggested several bank branches where you can get a loan, and at the same time said that if something is considered wrong in the branch and the amount of the monthly payment is different, call us and we will figure it out.

Having chosen the nearest branch and collecting all the necessary documents, I went.
At the branch, after waiting for my turn, I approached the manager who deals with the loan, providing him with a package of documents, which we coordinated with the manager by phone of THE SAME bank. The employee of the department said that the passport is not a second document, because. it is not a document at all. And it turns out that I can’t get a loan under the previously agreed conditions, i.e. at 18.25%.

As I was asked, I called the employee with whom we discussed the terms of the loan, another employee picked up the phone, saying that the girl with whom I talked could not answer, because. sick, or on vacation, I don’t remember exactly. She explained the whole situation to her, she asked me to wait for her to clarify the issue of a passport, whether a passport with a maiden name is the second document when applying for a loan. After waiting a few minutes, she replied that I was incorrectly informed, and that indeed, a passport is not a document.
How to understand who to believe - some say one thing, the second another ...

Then an employee of the department offered me to apply for a passport loan at 23% per annum, respectively, I didn’t need any more documents. To which I agreed, because. funds were needed. Having completed all the documents, I was asked to wait 40 minutes, and they will give an answer about the status of my loan application.

After an hour, I went to the department, to which the employee asked me to wait another 10 minutes. After waiting, the manager invited me to his place, did not answer me anything specific, saying that he had some problems in the program, and he could not understand whether the answer was positive or negative. After that, he suggested that I wait until the next day, and at 10:00 he will call me back and tell me about the result.
Well, what could I say, of course I agreed.

The next day, of course, no one called me back. Closer to 13:00, I decided to call the branch myself and find out if my loan application was approved or rejected. I asked to be connected to the manager who arranged everything. His words: "You know, I could not get through to the person who is directly involved in this program under Doctor Credit, and I cannot answer anything significant." He asked me to call back in an hour, and that he would definitely know the answer.

After two hours, I call the manager back and he answers me: "Your application has been rejected, we cannot issue you a loan." After his words, I was just horrified. They themselves call, offer, impose their services, and in the end the answer is no.

I decided to call the customer support center. I was connected to a young man who handles claims over the phone. I told him the whole situation from beginning to end, he listened and offered to double-check this information. Having entered all my data into the computer, he answers me: "You know, your application for a loan has been approved, and you can drive to any bank branch, sign documents and receive money." After his words, I no longer knew what to believe in ... I asked him if I could draw up the documents at the department on Bagrationovsky Proezd, he replied: "Yes, drive up at any time convenient for you and you will do everything."

Of course, I did not calm down on this, remembering that initially the employee who told me about the Doctor Credit campaign said that not all branches draw up these documents and the Bagrationovsky branch does not draw up this loan. I call the customer support center again. And then I was connected exactly with the employee who is engaged in the Doctor Credit campaign. And you won't believe it! She says "Your loan denied"...

How would you feel in this situation, it seems that there is only one bank, all the information provided by the bank should be the same, but everything is completely different here. Everyone says what they know, and it doesn't matter whether the information is true or not, the main thing is to say ... Employees who work in branches assure that those employees who are "on the phone" do not know anything about credit operations. And how can they advise about it?
If it were my will, I would refuse to be a client of your bank, but so far I can’t, because. the organization in which I work cooperates with this particular bank.

Application procedure

The required package of documents for filing an application includes the following standard documents:

1. passport;
2. income statement (2-NDFL) for the last six months;
3. a certified copy of the work book or work contract.

Citizens of the Republic of Turkey are required to additionally provide:

1. visa;
2. a document confirming the place of residence;
3. migration card;
4. work permit.

Individual entrepreneurs can get a cash loan from a "European" bank upon submission of a tax return for the last year.

The application is submitted during a personal visit to one of the bank branches.

For existing customers, Credit Europe Bank offers online filling out the application form and transferring documents through an exit courier. In case of a positive decision, the signing of documents is possible at home or at work. This offer is valid for individual cities, the list of which can be found on the official website or by calling the bank's customer support hotline.

Design features

The bank has no more than five days to consider an application for a cash loan and make a decision. If the application is approved:

• borrowed funds are issued by crediting to the client's account;
• if the borrower does not have a current account with Credit Europe Bank, an agreement is concluded for its execution and a free payment card is issued;
• insurance is not required.

A positive decision is valid for 21 days from the date of adoption.

When signing documents, each borrower can get free access to the Internet bank, where it is possible to monitor the repayment schedule and quickly receive information about all accounts, including loan ones.

Repayment methods

Monthly payments are debited from the client's current account on the day specified in the contract. You can make a payment with instant credit:

• in cash at bank branches with a commission of 200 rubles per transaction;
• in ATMs with the function of accepting cash "Credit Europe Bank" without commission through the replenishment of a payment card issued for paying monthly payments, according to the instructions (provided with a package of documents upon issuance).

You can pay through other companies providing financial services, according to their tariffs:

• QIWI terminals (commission 1.6%, minimum 100 rubles) and Eleksnet (commission 2%, minimum 50 rubles);
• networks of NPO "Rapida" and salons "Svyaznoy" with a commission of 1% (minimum 50 rubles);
• Plat-Forma electronic payment system (commission 0.8%, minimum 50 rubles);
• postal transfer (commission 1.9-2.0%, at least 40-50 rubles);
• branch of any bank (commission according to the tariffs of the bank making the transfer).

Depending on the repayment method, the crediting period can be 1-5 days.

Advantages and disadvantages

Cash loans at Credit Europe Bank are attractive to customers due to a number of advantages:

1. Open client segment. Any solvent client can apply, regardless of the bank through which he receives his salary.
2. Flexibility of conditions. The amount of the loan can be increased by providing additional documents confirming the financial viability of the borrower.
3. Minimum documents for regular customers. Existing clients can get a loan under a pre-approved passport offer without proof of income.
4. Relatively small percentages.
5. Possibility of remote service. For some clients, there is a courier service that is ready to pick up documents and bring the contract to an address convenient for the borrower.
6. Regular promotions from the bank.

Among the disadvantages are the following:

1. The need for official confirmation of the client's solvency with the provision of certificates of income and employment;
2. Individual conditions for each borrower. The Bank determines the maximum amount, interest rate and term based on the borrower's own assessment methodology.
3. Long processing up to 5 business days.
4. The need to visit the office to apply and receive loan funds in the absence of an offer for online registration.
5. A small number of branches and ATMs in remote regions.

A cash loan from Credit Europe Bank allows you to spend funds for any needs. However, if you need to purchase goods or pay for services through companies cooperating with the bank, it is more profitable to use special commodity lending programs, the rates for which are much lower.

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Below is the entire list of addresses of Credit Europe Bank branches in Moscow. Please note that from February 15, 2017, the branch at the Arbatskoye metro station is closed!

In the Moscow region

In St. Petersburg

Regional

About the bank

JSC Credit Europe Bank is a large commercial bank with foreign capital. It is part of the international financial group FIBA, owned by the well-known Turkish businessman and investor Hyusnu Ozegin. The bank has been operating in the Russian market since 1997. It was originally called Finansbank. In 2007 it was renamed to "Credit Europe Bank".

The credit institution was established on the basis of the representative office of Finansbank Sh (Finansbank A.S., Turkey). In 2006, FIBA ​​International Holding (owner of Finansbank) sold to the National Bank of Greece (NBG) a 46% stake in Finansbank A.S. Almost simultaneously, FIBA ​​Group bought out 41.8% of Finansbank Romania shares and 100% of shares (Holland) from Finansbank.

As a result of these transactions, part of the bank's divisions controlled by the Dutch holding (including the Russian Finansbank) remained in the FIBA ​​group. Together with the shares, the National Bank of Greece received the rights to the Finansbank trademark, in connection with this, the banks remaining under the control of FIBA ​​Group were transferred under the new Credit Europe Bank brand.

Today, 99.99% of the shares of Credit Europe Bank JSC are owned by the Dutch holding Credit Europa Bank N.V., a member of the FIBA ​​Group. The head office of the bank is located in Moscow. The network of branches includes 66 branches located in more than 30 cities of Russia. The bank has 530 own ATMs and more than 4 thousand points of sale in the largest regions of the Russian Federation.

The financial institution offers a wide range of services for retail and corporate clients, works with small and medium-sized businesses. It has partnership programs with major retailers (Auchan, Ikea, Metro Cash & Carry). More than 5 million individuals, 2 thousand corporate business companies and 17 thousand SMEs are already clients of the bank.

According to banki.ru data as of 01/01/2017. Credit Europe Bank ranks 51st among Russian banks in terms of equity capital and 58th in terms of net assets. It occupies a leading position in the market of consumer loans and credit cards. The reliability of the bank is confirmed by the ratings of international agencies Moody's (B1 rating) and Fitch (BB-).

About the FIBA ​​Group

The international financial group FIBA ​​Group is a large financial conglomerate. Manages an investment portfolio of high value-added brands in the financial and non-financial sectors. Created in 1987. The founder and owner of the group is the Turkish businessman Hyusnu Ozegin.

In the financial sector, FIBA ​​Group provides banking services, leasing, factoring, insurance, work with problem portfolios. Credit Europe Bank, which is a member of the group, currently operates in Switzerland, Holland, Germany, Belgium, Malta, Ukraine and the United Arab Emirates. In the banking world, FIBA ​​Group is considered a recognized expert.

In the non-financial sector, the group invests in retail, hospitality, renewable energy and real estate. In addition, the interests of FIBA ​​Group are represented in aviation, real estate, shipbuilding, port business. In addition, the group owns a network of primary schools.

In its activities, FIBA ​​Group pays special attention to the social responsibility of the company, investing in education, health and culture through a network of non-profit foundations. The group cooperates with the Mother and Child Foundation, has its own foundation and university.

Bank services

The product line for corporate clients and SMEs of JSC Credit Europe Bank includes a fairly impressive list of products:

• settlement and cash services
• loan products
• deposit programs
• maintenance of payroll and card projects
• trade finance services
• collection of enterprises' proceeds
• issuance and maintenance of corporate plastic cards
• factoring
• opening letters of credit
• provision of bank guarantees
• conversion operations
• insurance services
• leasing
• Internet bank

The financial institution offers individuals the following services:

• loans
• contributions
• bank cards
• money transfers of international transfer systems
• remote maintenance
• insurance
• mutual funds

The priority areas of work of Credit Europe Bank are lending to individuals and legal entities, foreign exchange transactions, settlement and cash services for corporate clients and SMEs, operations with securities.

Ratings

The reliability rating of Credit Europe Bank in 2016 allows the investor to assess the current state of affairs of the organization without conducting a comprehensive analysis. High ratings of well-known international and domestic agencies raise the investment attractiveness of the company, so many banks are interested in obtaining a rating and informing customers about its results.

In 2016, Credit Europe Bank had the following reliability ratings.

Performance indicators for 2016

As of 01/01/2017 assets of JSC Credit Europe Bank decreased significantly (-36.6 billion rubles). In liabilities, there was also a significant decrease (repayment of obligations on interbank loans, from the Central Bank of the Russian Federation and on issued debt obligations). In 2016, there was also a significant outflow of funds from legal entities (-7.75 billion rubles).

The partially arisen lack of funds was compensated by the inflow of household deposits (+28.9 billion rubles). The decrease in assets was mainly due to a decrease in the volume of the loan portfolio (-22.67 billion rubles), investments in securities (-13.05 billion rubles) and issued interbank loans (-8.12 billion rubles. ). The share of the loan portfolio in assets exceeded 75%.

Return on assets decreased from 0.74% to 0.54%, return on equity - from 5.81% to 3.55. The arrears rate for the year increased from 7.55% to 12.45% (+ 64.89%). Provisions for possible losses covered 20.99% of all loans, the indicator practically did not change in dynamics over the year. The level of property collateral increased and amounted to 109.81% of the volume of loans.

In general, JSC Credit Europe Bank ended 2016 with a profit of 730 billion rubles.