OJSC "Moscow credit Bank": reviews and feature

A Complete package of services for individuals and corporate clients, as well as universal products and personalized programs provided by OJSC “credit Bank of Moscow”. Customer reviews about it, which always characterize the work of any institution, are different. However, it is normal, as it is not mistaken only one who does not work. For a start give a characterization of the Bank.

More than 20 years operates OJSC “credit Bank of Moscow”. Reviews and ratings among the 100 largest private banks in Russia shows that MKB is in the first twenty size of own capital, the structure and volume of obligations to clients.

The Territorial network of the ICD is located in Moscow and Moscow region, there are just over 70 offices. For the comfort of customers all the Bank's branches are open 7 days a week and have extended service schedule.

The Services provided, ICD: deposits, all types of lending, pension funds and brokerage services.

Varieties of deposits are not many, there are only four types:

1. "Cumulative + contribution" – opened in rubles, euros and U.S. dollars. The annual rate will depend on the Deposit period: the period more the rate is higher. In rubles it is from a 9.25% to 10.25%, in currency - from 2.5 to 3.5%. But if the Deposit will be issued according to the "ICD-online" interest rates will be higher.
2. "saving Deposit" – feature in rubles and currency, is non-renewable, interest rates do not differ from savings deposits.
3. The"Estimated contribution" calls for debit transactions to the amount exceeding the minimum balance. The contribution allows you to increase your savings and to use part of their funds.
4.  "demand" – a traditional Deposit with possibility to replenish and to spend money without restrictions on amounts.

The Most interesting loan product of the Bank-mortgage lending. But it is interesting in that is made with only one document-the passport of the citizen of Russia. To buy housing in Moscow and Moscow region, using this simplified system of registration of the mortgage.

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Minimum – 700 thousand rubles, the maximum – 7 million rubles, the initial contribution starts from 30%. The maximum repayment period – 20 years. There is a possibility of early repayment. The interest rate on the loan is determined individually. It all depends on the introduced initial payment, repayment and loan term. The minimum interest rate is provided only to Bank customers who have salary accounts or positive credit history OJSC “credit Bank of Moscow”. Reviews, by the way, quite often concerning this item, as many, not understanding, expect one interest rate, but you get quite another.

What are the conditions that the borrower proposes OJSC “credit Bank of Moscow”? Problems can arise not only with the interest rate. First, the property must be in Moscow or the Moscow region. Second, the customer's employer must be registered in Moscow or the Moscow region.

If you decide to take the IBC loan, check your employer should also be in Moscow and its region. Your continued registration may be anywhere in Russia, except the following regions: Dagestan, North Ossetia, Karachaevo-Cherkessia, Adygea, Chechnya, Kabardino-Balkaria, Stavropol and Krasnodar region.

And, of course, will not be superfluous to ask the opinion of the clients of the OJSC “credit Bank of Moscow”. The reviews will help you to avoid some mistakes, save your time and money. For example, the terminals of the ICD do not take 5-thousandths bills, but if you refer to them in cash for exchange notes, you will have to pay the fee.