Primsotsbank mortgage lending. Primsotsbank loan calculator. Mortgage conditions at Primsotsbank
Post Bank deposits for individuals in 2019, this is an opportunity to save your savings from inflation and even earn a little on interest. Today, Post Bank's line of savings products includes 4 types of deposits. Each of them has their own distinctive features. For comparison, the site’s correspondents have summarized them in a small table:
1. “New maximum” - seasonal deposit with a maximum interest rate.
2. “Capital” - High income and interest payment at the end of the term.
3. “Profitable” - Monthly interest withdrawal.
4. “Accumulative” - Interest accrual every quarter, the possibility of capitalization, replenishment, early termination without loss of interest paid.
Below we will talk in detail about each of them and try to choose the most profitable Pochta Bank deposit to date.
In the meantime, it should be immediately noted that Pochta Bank currently does not have expense deposits with partial withdrawal of funds without loss of interest, as well as any special benefits for early termination of the deposit agreement. This means that when depositing savings, you need to accurately calculate your financial capabilities. Of course, you can withdraw your money at any time, but only without accrued interest.
Another feature of Post Bank savings programs in 2019 can be considered the lack of deposits in foreign currency: US dollars and euros. Deposits for the population at Pochta Bank today can only be opened in rubles. However, this does not prevent him from attracting more and more investors.
Post Bank deposits for pensioners in 2019 - features
Before you start comparing the conditions and rates of Post Bank savings programs, you need to say a few words about the features of attracting money from older people.
Deposits of individuals at Post Bank for pensioners in 2019 are not specially allocated from the basic line of deposits, as in some other places. Simply, when opening a particular deposit, pensioners receive an increased interest rate.
Today deposits for pensioners in Pochta Bank have a bet on 0.25 percent per annum above than for other individuals (tariff “Pension”, “Salary pensioner”). To receive increased rate it is enough to present a pension certificate or a certificate from Pension Fund Russia.
By the way, by the same amount ( +0.25 percent per annum) the deposit interest rate increases under certain conditions:
1. when opening a deposit online - through Mobile or Internet Banking,
2. when switching to the “Active” tariff,
3. salary clients.
Post Bank deposits for individuals in 2019: interest and conditions
Let's consider under what conditions and at what interest rates it is possible to open deposits for individuals with Post Bank today. Let's compare their pros and cons. We will begin our review with the “Capital” deposit. Today this is the most advantageous offer.
Seasonal deposit “New Maximum”: interest and conditions
This is a seasonal offer with a favorable interest rate. Like most promotional deposits, New Maximum provides limited opportunities to manage funds in the account. But this inconvenience is compensated by high profitability. You can make this deposit only until September 2, 2019!
Terms
- ☑ Placement period: 181 days;
- ☑ Minimum amount: from 100,000 rubles;
- ☑ Replenishment: not allowed;
Interest rates
6.8% per annum in rubles.
Deposit of Post Bank "Capital": interest and conditions
This deposit involves receiving maximum income- up to 7.15 percent per annum. To get this benefit, you need to make a deposit through online banking. Also, pensioners or salary clients can receive the highest interest rate.
The “Capital” deposit can be replenished only during the first 10 days after opening. Strictly speaking, this cannot be called a replenishment. Rather, it is an opportunity to extend the time of making the deposit amount. So, if you planned to periodically deposit part of your salary or pension into the bank, then this deposit will not suit you.
It is also not possible to withdraw some of the money already invested without losing interest. In case of early termination of the deposit agreement, interest will be paid at a rate of 0.1% per annum, so plan your expenses in advance for the entire period of the deposit.
Interest on the Capital deposit is paid at the end of the term. When the deposit is closed, the money is transferred to the Savings Account, from where funds can be withdrawn in cash at an ATM or transferred to another bank.
Together with the deposit, a “Savings account” is opened free of charge and debit card WORLD.
Terms
- ☑ Placement period: 6, 12, 18 months;
- ☑ Minimum amount: from 50,000 rubles;
- ☑ Capitalization: not provided;
- ☑ Expense transactions: not allowed;
- ☑ Payment of interest: at the end of the term;
- ☑ Early termination: at a rate of 0.1% per annum.
Interest rates
Special conditions apply for pensioners, salary clients , when opening a deposit through Post Bank Online, when switching to the “Active” tariff
|
Duration, days |
Basic conditions |
Special conditions |
|
6,3-6,5% |
6,65-6,75% |
|
03.
Deposit of Post Bank "Dokhodny": interest and conditions
Interest on the “Profitable” deposit is paid monthly. This means it can be convenient for those who plan to periodically receive income from their invested money. People call this “living on interest.” Otherwise, it is very similar to the previous deposit from our Capital review.
Simultaneously with the “Profitable” deposit, a “Savings account” and a MIR card are opened for free, which you will then need to receive money and interest.
Salary clients, pensioners and those depositors who make a deposit online through Internet banking, as well as when switching to the “Active” tariff, can receive an increased rate of 0.25%.
To gradually deposit money into the deposit account, replenishment of the deposit is provided during the first 10 days (additional contributions are not allowed at other times).
The conditions also do not provide partial withdrawal money from the deposit without loss of profitability, and upon early termination, you will be charged interest at a rate of 0.1% per annum.
At the end of the entire deposit period, the money is transferred to the Savings Account, from where funds can be withdrawn in cash at an ATM or transferred to another bank.
Terms
- ☑ Minimum deposit amount: from 100,000 rubles;
- ☑ Replenishment: allowed only during the first 10 days after opening;
- ☑ Capitalization: not provided;
- ☑ Expense transactions: not allowed;
- ☑ Interest payment: monthly;
- ☑ Early termination: at a rate of 0.1% per annum.
Interest rates
Special conditions apply to pensioners, salary clients, when opening a deposit through Post Bank Online, when switching to the “Active” tariff
See what interest rates VTB Bank gives on deposits.
03.
Deposit of Post Bank "Accumulative": interest and conditions
This deposit is suitable for those who intend to save money by replenishing their bank account. Additional fees contributions can be made throughout the entire term, and minimum size not limited. The deposit can be replenished monthly by at least 100 rubles, at least 500 thousand.
Another one of him important feature is that interest on the “Accumulative” deposit is capitalized every 92 days, replenishing the deposit amount.
Partial withdrawal of money from the deposit without loss of profitability is not provided. But the conditions for early termination of the deposit agreement are interesting. In particular, if you decide to withdraw your money earlier deadline, then all previously paid interest will be retained. But interest for the period from the last payment to the date of termination of the contract will be accrued at a rate of 0.1% per annum. As you can see, the conditions for early withdrawal of the deposit are quite flexible!
When the deposit is closed, the money is transferred to the Savings Account, from where the funds can be withdrawn in cash at an ATM or transferred to another bank.
In a word, the terms of the Post Bank “Accumulative” deposit are quite favorable, and the interest rate has not let us down - up to 6.5% per annum today. Well, let us remind you that salary clients, pensioners and those depositors who make a deposit online through Internet banking, as well as when switching to the “Active” tariff, can receive an increased rate of 0.25%.
Terms
- ☑ Placement period: 12 months;
- ☑ Minimum amount: from 5,000 rubles;
- ☑ Replenishment: allowed throughout the entire period;
- ☑ Capitalization: provided;
- ☑ Expense transactions: not allowed;
- ☑ Interest payment: quarterly;
- ☑ Early termination: without loss of interest paid.
Interest rates
6.10% (6.24% with capitalization) - basic conditions;
6.35% (6.50% with capitalization) - for pensioners, salary clients, when opening a deposit through Post Bank Online, when switching to the “Active” tariff.
See the most profitable replenishable deposits today - review >>
Post Bank deposit calculator 2019: calculate income
The Post Bank online deposit calculator for individuals will help you calculate income depending on the interest rate and term. It allows you to find out the profitability taking into account capitalization, replenishment and withdrawal of funds from the account.
Post Bank savings account: conditions and interest
Post Bank savings account is a bank account with a MIR card for savings cash, their increase and convenient use.
You can transfer your salary or pension to your Savings Account at Post Bank. You can spend money without restrictions, and interest will be accrued on the minimum balance of funds in the account during the month.
Interest is paid monthly, capitalizing on the account, and when withdrawing funds, the income received remains with you.
Interest rates
The Post Bank savings account has “Basic” tariffs for ordinary individuals, as well as “Salary”, “Pension” and others with an increased interest rate.
See which ones are the best profitable deposits Reliable Russian banks offer the population today.
What is the “Active” tariff at Pochta Bank?
Pochta Bank clients, both ordinary individuals and pensioners, can apply for the “Active” tariff. Why is this beneficial?
Because when switching to the “Active” tariff, the bank offers
- √ increased interest rate on deposits by 0.25% per annum;
- √ increased by 1% rate on the minimum balance on the Savings account;
- √ reduced by 2% annual rate on a cash loan.
How to switch to the “Active” tariff?
To switch to the “Active” tariff, just spend using a Pochta Bank card or make payments to Pochta Bank Online at total amount at least 10,000 rubles per month. As soon as this condition is met, all the benefits of the “Active” tariff will be activated automatically.
How to open a deposit in Pochta Bank: step by step
If you are not yet a Post Bank client, proceed as follows:
- 1. Contact an employee of the Pochta Bank customer center with a Russian passport and mobile phone;
- 2. Open a Savings Account and select the method of opening a deposit: via the Internet and mobile bank(+0.25%) or a written application at the customer center (+ 0.25% for pensioners, “Pension” tariff);
- 3. Deposit money through: Internet and mobile banking / ATM / interbank transfer (+0.25% on the transfer amount).
If you are already a client of Pochta Bank, then it is not necessary to visit the client center to open a deposit (if you wish, you can open a deposit in the client center). All you need to do is follow these steps:
- 1. Open a deposit on the Internet or mobile banking(and get +0.25%);
- 2. Deposit funds: via online and mobile banking / ATM / interbank transfer (+0.25% on the transfer amount).
How to replenish Pochta Bank deposits
Funding your deposit account is quite simple. To do this:
- 3. Deposit money and receive a check.
“Capital” and “Income” deposits can be replenished within the first 10 days after opening. You can deposit money into the “Accumulative” deposit for the entire term of the agreement.
The terms of deposits provide for SMS notification. You will receive SMS messages from the bank about each receipt of funds on the deposit, as well as about an increase in the interest rate when the deposit reaches the level of the next amount gradation.
How to withdraw money
When closing the deposit, funds are transferred to the Savings Account. And from there you can withdraw funds in cash from an ATM or transfer them to another bank. To do this:
- 1. Get a local card. The PIN code will be sent to you via SMS message to your mobile phone;
- 2. Select the appropriate item from the menu on the screen;
- 3. Receive funds and receipt.
If you urgently need money, you can get it any day. To do this, you need to contact the bank’s customer center with an application. Interest on the deposit will be paid at a rate of 0.1% per annum.
Conclusions: what is the most profitable Pochta Bank deposit today?
The answer to this question would seem to be quite simple. Today the “New Maximum” or “Capital” deposits have the highest interest rates, which means they can be considered the most profitable.
But if the client needs monthly withdrawal percent, then the “Profitable” deposit will be the most suitable for him.
If you plan to replenish your deposit from time to time, then the “Accumulative” deposit will be the most profitable for you.
Pochta Bank's popularity with customers owes much to its origins. The Post Bank project was launched by the joint efforts of two giants - Russian Post and VTB Bank. Today Post Bank is part of the international financial group VTB and is a bank with state participation.
The head office is in Moscow, but others are located in post offices throughout Russia, which is very convenient. It is possible that soon Pochta Bank will be able to compete with Sberbank of Russia in terms of the size of its branch network.
Deposits of individuals in Pochta Bank in 2018 were insured by the state, which means that even if the bank ceases to exist, which is unlikely, clients can count on reimbursement of the deposit amount with interest in the amount of no more than 1.4 million rubles.
Contacts
For details about the terms and interest rates of the deposit, please visit the official website of Post Bank www.pochtabank.ru or contact Bank employees.
Customer service phone number: 8 800 550 07 70.
The information is not a public offer. License of the Central Bank of the Russian Federation for implementation banking operations № 650.
Mortgage calculator Primsotsbank will help you calculate the amount of mortgage deductions for 2019 - 2020, and weigh the chances of early repayment. Use official online calculator om on the site is free!
This mortgage loan calculator is very convenient: it is available online, it is clear and it is free. Spend half an hour on a calculation that will correctly line up your expenses for several years ahead.
Primsotsbank offers 4 mortgage lending programs and a program for refinancing a mortgage loan issued by another bank. At the same time, the bank guarantees an individual approach and even the development of a personal mortgage lending program.
Credit terms
- Borrower's age: from 18 to 75 years (at the time of repayment);
- Minimum amount: 300,000 rubles;
- Duration: up to 30 years;
- Loan issue fee: none;
Mortgage interest rate
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Mortgage conditions differ significantly depending on whether you need a loan for a secondary home, for a new building, for the construction of a private house, or simply for a plot of land. For potential borrowers The bank offers the following options for obtaining a mortgage loan:
- No guarantors.
- No proof of income.
- Without down payment.
The bank offers a mortgage loan with government support, in particular with maternity capital, and early repayment. The terms of its issuance can be significantly revised in favor of the borrower if he has an open salary project. The bank also accommodates state employees and offers special issuance options for pensioners.
A modern online cost calculation will help you get a preliminary estimate for a real estate loan - it will provide the basic necessary information in accordance with the requirements and wishes of the borrower.
Loan calculator Primsotsbank will inform you about the main loan conditions, draw up a repayment schedule and calculate monthly payment on loan.
Primsotsbank’s credit programs provide the opportunity to apply for a convenient and simple mortgage to all residents of Primorye. The application review period takes no more than two days, and you will need to visit the office no more than 2 times: submit an application and receive a loan.
The main advantages of mortgage lending at Primsotsbank(head office is located in Vladivostok):
- the opportunity to purchase ready-made housing or an apartment in a new building;
- the bank accepts “gray” income for consideration;
- minimum package of documents;
- possible use maternity capital;
- special program for military personnel;
- Early repayment of the loan is possible without restrictions or penalties.
Exists additional program, which allows you to take consumer loan secured by existing housing, including for commercial use.
You can get a preliminary decision on a loan by filling out a form on the bank’s website.
| Loan program | Down payment | Loan amount | Loan term | % Bid |
|---|---|---|---|---|
| Mortgage with state support | from 20% | from 300,000 to 8,000,000 rubles | - | from 10.4% to 10.9% |
| Housing for a Russian family | from 30% | from 400,000 to 3,000,000 rubles | - | from 10.4% |
| Mortgage for maternity capital | from 10% | from 150,000 rub. | from 2 to 6 months. | from 17% |
| Apartment in New Building | from 30% | from 300,000 rub. | from 5 to 25 years | from 13.25% |
| Apartment | from 10% | from 300,000 rub. | from 3 to 27 years | from 12.5% |
| Rooms and shares | from 10% | from 300,000 rub. | from 3 years to 27 years | from 13.25% |
| Country real estate | from 30% | from 300,000 rub. | from 3 years to 27 years | from 14.5% |
| Secured by real estate | - | up to 70% of the value of the collateral | from 3 to 25 years | from 16% |
To start calculating, fill out the form fields below and click the "Calculate" button
Primsotsbank mortgage loan calculator
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