The banking sector, once a purely professional field of knowledge with its own terms and laws, imperceptibly and thoroughly entered the life of most people. The level of financial literacy of the population has significantly increased, and few people can now be surprised by the words “deposit”, “debit”, “credit”, “refinancing rate”, “overdraft”, etc. linked to a debit card. Well, actively paying with cards in stores has become a familiar thing for Russians.
What other opportunities does this card offer to their owners?
If you have a bank debit card for current expenses, then you can hope for the help of your bank in credit matters. That is, in addition to your own funds that are in your account, you can take out a credit on a debit card. Thus, you do not have to go to the bank to get the money that the bank lends to you.
The money will be credited to an existing account linked to your debit card. And you will be able to use them at your discretion just as you do it on a regular map. Your card will remain debit (unlike the other, credit), but the money on it is borrowed from a bank.
And every month during the period for which you took a loan (from one year to five years), in accordance with the debt repayment plan, you will have to return a certain amount to the bank.
To understand for how long for what amount and what percentage of the loan you can count on, use the convenient option “Loan calculator”. Monthly payment will depend on the amount and term of the loan.
The interest rate in some cases can be preferential. For example, in Bank, this rate is valid for those who want to repay a loan in another bank. An even more profitable rate is offered to customers who receive a salary through Bank.
The procedure for lending to individuals has become much easier in recent years. What you need to do to get a loan in the bank in which you already have a card? Fill out the online application form that is on the site.
You will need to specify: passport details, information about the employer and a document confirming your income. Conveniently, you will know the preliminary decision literally right away.
After receiving confirmation that the application has been accepted, wait for the call of the bank employee and arrange a meeting with him to sign the loan application and submit the documents. After the final (positive) decision of the bank, the money will immediately go to your account.