Credit holidays at Promsvyazbank. Conditions for applying for credit holidays at Promsvyazbank Credit holidays Promsvyazbank conditions

Applying online is easy and safe way processing loans. Service for personal selection credit products will help you find the best deals with minimum rates and increased likelihood of approval. The applicant just needs to provide personal information and provide a number contact phone number and select search criteria.

Loan selection form

How does the loan selection service work?

Rating credit institutions compiled based on consumer reviews and expert findings. A tool for selecting loans based on individual needs potential borrower is based on standard scoring algorithms, which are actively used by representatives of the banking industry. In particular, regions of residence, income and current financial needs of potential borrowers are taken into account.

To take advantage of the loan selection service:

1. Fill out the form on the website, providing personal data and selecting the parameters of the future loan;
2. Leave your contact phone number and address Email for feedback;
3. Trust the system for automatically selecting loans based on the results of the questionnaire analysis;
4. Select the appropriate lending option from the list of offers generated by the algorithm;
5. Send your completed application to a potential lender and receive money within a couple of hours.

Important! Filling out a single application increases the likelihood of obtaining the desired loan. The more information a potential borrower is willing to provide, the higher the chances of receiving advantageous offer from the lender.

It takes about ten minutes to fill out the application. However, before submitting your completed questionnaire, it is recommended that you check for grammatical errors and typos.

Advantages of personal selection of loans:

• Time saving;
• Prompt completion of the application;
• Instant delivery of results;
• High relevance of the sample;
• Free service;
• Increased chances of getting a loan;
• Protection of confidential data;
• Security of loan programs.

Important! A bank's rejection of a loan application worsens the borrower's reputation. To maintain an impeccable credit history, you should use a tool for personal selection of credit products.

List of loans from high probability approval is based on the results of an analysis of the information provided by the applicant when filling out the application form. The catalog contains only popular lending programs and reliable partners with an ideal reputation. The service also guarantees the security of the client’s personal data.

How to fill out a single application for all banks?

The so-called “single application to all banks” is essentially an extended questionnaire of a potential borrower who is at the stage of searching for the optimal credit program for obtaining a profitable loan. By correctly filling out the online form, the applicant will instantly receive small list banks and non-banking organizations with detailed description available credit products.

At each stage of filling out the application, you must provide only reliable information. Trying to mislead the lender will not benefit the potential borrower. On the contrary, the relevance of personal search results and the likelihood of receiving a profitable loan will rapidly decrease.

Correctly filling out the main section of the form will allow you to select a loan to suit your individual needs. Required fields require information that is then used to perform scoring.

General information:

• Full name, gender and date of birth of the applicant;
• Desired loan amount;
• Optimal transaction duration;
• Number mobile phone and email address;
• Current state of credit history.

The lower the amount and the shorter the loan term, the higher the chances of receiving a loan. The likelihood of concluding a profitable deal will increase significantly if the potential borrower has an impeccable reputation with credit agreements closed without late payments.

The risk of being denied a loan will increase if your credit history rapidly deteriorates due to systematic violations.

Passport data is required to check your credit history by submitting a request to the BKI. Compliance of the information provided with information from the bureau database will allow you to confirm the identity, age and citizenship of the borrower.

A person applying for a loan must indicate his place of birth, as well as the number, series and date of issue of the document. The application contains information about the department of the Federal Migration Service where the passport was received.

Information about actual location residences are used by an algorithm for automatic selection credit offers in the client's region of residence. If the registration matches the actual address of the borrower, you should put the appropriate mark in the application form.

Information about place of residence:

• Region of residence and name of the locality;
• Street, house and apartment number;
• Type of registration (temporary or permanent).

Some organizations are ready to provide loans to citizens without permanent registration, but the validity period of the temporary registration must exceed the duration of the loan. Your actual address may not match your registration information. In this case, you must additionally enter information about your current registration.

Level of solvency – main criterion, affecting the likelihood of application approval. During the scoring process by employees financial institutions information about the borrower’s employment and income level is taken into account.

Employment information:

1. Type of employment (unemployed, retired, student, individual entrepreneur, freelancer or employee);
2. Name, address and corporate telephone number of the organization providing the work (optional).

To obtain the maximum probability of obtaining a loan, it is necessary to fill out not only all the required fields of the application, but also provide additional information about the client.
The chances of getting a loan will decrease sharply if the applicant does not have official employment. Pensioners, students, self-employed people and entrepreneurs face discrimination based on labor.

Mandatory requirements for borrowers:

1. At least 18 years of age.
2. Citizenship of the Russian Federation.
3. No problems with the law.
4. Permanent or temporary registration.

Personal selection of a loan will be useless if the potential client does not meet the listed requests. The single application form is also rejected if serious errors are detected when entering passport data.

Important! After posting all the information necessary for selecting loans, you must provide permission to process personal information. The service guarantees the client the safety of secret data and protection from intruders.

Memo for the borrower:

• When choosing a loan program, consider your own budget and income level.
• Size regular payments in no case should it exceed 40% of the monthly income.
• Before applying, try to close previous credit transactions without late payments.
• Do not provide false, outdated, non-existent or untrue information.
• Avoid submitting multiple applications of the same type at the same time. Spam is often punishable by blocking!
• Manage your debt wisely. Do not take out new loans to pay off overdue loans.
• Read reviews about lenders and available programs lending before signing documents.
• pay attention to full price loan including interest, commissions and other payments.

The main purpose of filling out a single application is to speed up the lending process by instantly selecting offers from reliable financial institutions that meet the applicant’s needs. The questionnaire will allow you to assess the likelihood of loan approval and will relieve the potential borrower of the need to visit the offices of local banks, microfinance companies, pawnshops and other credit institutions.

Cooperation with the loan selection service occurs on a voluntary basis. The project does not benefit from providing information about credit programs, guaranteeing the safety of applicants’ personal data.

Within consumer lending a borrower who has been responsible about his obligations may be granted a deferment. As a rule, to receive such an offer, you must pay the debt and interest on the loan on time for at least six months in order to be able to apply for a “vacation”.

Deferred payment on a loan at Promsvyazbank is provided either partially (that is, the client only has to pay off the interest on the loan, while the body of the debt does not need to be touched) or completely (which means that neither interest nor the amount of the debt need to be paid).

• In the first case, it will not be possible to significantly reduce the amount of the monthly payment, but such holidays allow you to reduce the amount of the total overpayment under the contract.
• The second vacation option is more convenient in that the client does not make payments at all. But in the future, the loan term will be increased again in proportion to the “breathing time” time.

Credit holidays in Promsvyazbank can become a real godsend if the borrower is faced with sudden financial problems and cannot pay the loan on time.

Typically, deferments are granted for a period of no more than 3 months, since this is simply not beneficial to either party. But at the same time, not every bank provides such a “saving” opportunity not to spoil your credit history and not to everyone who wants it.

The borrower must also meet a number of criteria and prepare documents that serve as evidence.

General conditions of the “Credit Holidays” program

Loan deferment at Promsvyazbank is provided for clients who have concluded their loan agreement with the bank no earlier than September 5, 2011.

This service is paid and for the opportunity not to make monthly payments for the agreed period, the borrower will have to pay 10% of the monthly payment amount established for him (and the amount of the fee cannot be less than 1000 rubles).

The following categories of citizens can count on approval of their application:

1. those who have regularly paid the loan for six months (i.e., at the time of contacting the bank, they have already made at least 6 monthly payments without the slightest delay;
2. who have at least 3 payments remaining, inclusive of the one that must be made in the month when the application to the bank was submitted;
3. have no arrears or debts on any other obligations with the bank;
4. clients who have not previously used the credit holiday service from Promsvyazbank over the past 12 months.

A citizen of the Russian Federation aged 23 to 65 years and who has a residence permit in the region where the bank is located has the right to receive holidays. The presence of work experience for applying for vacation does not matter, especially if the reason for the request for a deferment was dismissal from work.

As for delays, only minor delays in making loan payments are allowed for a period of no more than 7 days. Otherwise, the bank has the right to refuse to activate the service. By the way, clients who are already using the restructuring program will not be able to communicate after the deferment.

Options for obtaining a deferment

The conditions and rules for obtaining vacations are described in detail directly in the borrower’s loan agreement. It is recommended to study this document in advance; if necessary, you can always call the Promsvyazbank hotline and ask questions to a specialist.

The algorithm for applying for credit holidays at Promsvyazbank is simple. You can submit an application either in person by contacting the bank branch where the loan agreement was concluded, or remotely via the Internet bank.

If the service is activated, the loan period will be increased in proportion to the duration of the vacation, and the client will also have to pay for “connection to the vacation” according to tariff plan.

All parties benefit from such a transaction: the bank does not lose regular customer, and the borrower does not spoil his credit history with long delays and legal disputes with the lender.

The conditions for credit holidays at Promsvyazbank imply the need to prepare at least a minimum package of documents proving difficult situation borrower.

The reasons for insolvency can be any: from illness, loss or death of a breadwinner to dismissal from work or the birth of a child.

The main thing is to collect at least a couple of documents confirming the words of the borrower and meet the requirements set by the bank. All that remains is to fill out an application for a vacation and wait for the documents to be reviewed.

Negative aspects of deferment

Such a proposal has both a number of positive and negative points. On the one hand, a person does not aggravate the situation and tries to solve the problem, but on the other hand, the service is paid and, if you ask for a deferment on the mortgage payment, 10% of it can turn out to be a fairly significant activation fee.

There are other negative sides:

• the opportunity to receive a vacation is usually available only once during the entire loan term;
• the amount of the monthly payment is reduced, but you have to pay an additional 10% of the payment as a fee for the service;
• if there are no serious reasons or the person has previously been late on payments for more than a week, the bank will most likely refuse.

Otherwise, there should be no difficulties and the option of deferment is more suitable than if you let everything take its course. In conclusion, I would like to note that voluntarily contacting the bank with an application for a deferment and documents is much more profitable than allowing delays and then paying fines and penalties.

Even if the creditor suddenly decides to refuse, you can always go to court with documents as evidence of an attempt to solve the problem.

Typically, Promsvyazbank is ready to meet halfway requirements for responsible clients. We advise you to follow the written application submission algorithm, this significantly increases your chances of approval. We wish you success!

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The term “credit holiday” implies a temporary deferment in the payment of regular contributions to repay the debt. The service is also available to Promsvyazbank clients, and the borrower independently chooses the form of its provision and the method of activation.

Conditions for connecting the delay

The possibility of obtaining the service is valid only within the framework of consumer lending, including refinancing. In accordance with the procedure for providing credit holidays, legitimate reason deferment may be vacation, business trip, sick leave (not associated with long-term disability). The bank does not provide the service if there is a serious deterioration in financial condition.

To activate the deferment, certain requirements are put forward:

• The loan must be issued for more than six months.
• You can get a deferment for only 2 payments.
• The borrower paid his debt without delay for 6 months, including other banking products(according to the conditions, the concept of “no delays”
• allows delay of up to 7 days).
• At least 3 payments (including the last one) must be scheduled before the loan expires.
• The loan has not been restructured in the past.
• You can use this service only once a year.
• The offer is available to borrowers who signed an agreement after September 5, 2011.

Activation is in progress the next day on any day of the month, except for the write-off date Money. The bank freezes payments and, after a period of time, resumes them; accordingly, the total term of the contract increases. Interest will also accrue and is subsequently included in the updated payment schedule.

Please note that this service is not free. The cost of connecting it is 15% of the monthly loan payment, but not less than 2 thousand rubles.

How to properly apply for a deferment

First of all, you must top up your card balance or deposit money into the cash desk at a bank branch. No payment deferment on loan is not provided. Second important point is the service form:

1. complete “freezing” of payments;
2. partial deferment, during which you pay only the accrued interest on the loan.

The borrower himself chooses the form of credit holidays. This must be done before registration.

If you want a specialist to carry out the entire procedure, it is better to activate the service directly at a bank branch. To do this, the borrower just needs to contact at any the nearest branch of Promsvyazbank and write an application for connecting credit holidays. Employee financial organization will tell you how to draw up the document correctly, accept it, and also give detailed advice on all issues.

For active users of Internet banking, the procedure will be even simpler: you can apply for a deferment remotely. To do this, you need to go to your Personal Area and activate this service.

If you activated credit holidays through your personal account, then be sure to contact the credit department staff and check whether the procedure was successful. If you are not confident in your abilities and knowledge of the Internet service, you can perform the operation after consulting with technical support.

You can also submit a request by phone hotline. Dial 8-800-333-03-03 and inform the operator of your intention ( toll free number for consultation of individuals). Next, the specialist will announce all the conditions and make the necessary settings.

All monetary transactions- these are important events, so it is recommended to record the time of communication with the consultant and take copies of signed applications (or make them in two copies, one with a signature and date of reception should be kept with you). This way, you will have proof of the lawful use of the service, and you will protect yourself from any force majeure situations associated with the delay.

Advantages and disadvantages

Credit holidays are very popular among borrowers who are experiencing short-term difficulties V financially or can anticipate them in advance. The main advantages of the service include:

1. the opportunity to avoid additional fines from the bank for failure to fulfill its obligations;
2. maintaining a trusting relationship with the bank;
3. maintaining your credit rating;
4. ease of activation.

The disadvantages include facts such as:

• service cost;
• strict time frames that cannot be extended.

The conditions of Promsvyazbank are very simple and accessible to many borrowers. Separately, it is worth emphasizing the bank’s loyalty to the procedure for paying monthly fees and the possibility of activating the service in different ways.

Promsvyazbank clients can take a deferment on monthly payments at any time. This is a credit holiday service at Promsvyazbank, which experienced bank employees will tell clients how to arrange. The service is provided at any branch and is available to clients who have supporting documents about a sudden deterioration in their financial situation. And modern bank offers a unique opportunity to get a short-term deferment to everyone who needs it without having to prove important reasons for a credit holiday.

Conditions of credit holidays

Deferred payment on a loan at Promsvyazbank can be provided in two options:

• full - when the client is completely exempt from payments. During the credit holiday, the client does not need to make payments. True, the loan term increases, it is extended for the duration of the credit holiday.
• partial - the payment amount cannot be reduced completely, but the payment amount is noticeably reduced.

Clients who have consistently made monthly payments since the moment the loan was issued can take advantage of the opportunity to take a deferment. The bank also reviews the client’s credit history. It is desirable that the borrower has a good credit history, since banks are more willing to accept the position of bona fide clients.

Many clients have heard about the opportunity to take a credit holiday from Promsvyazbank, but they do not know how to activate the service. For detailed information, you can always contact the nearest bank branch, where experienced employees will advise on all issues.

In general, clients can receive relief if the client has paid their fees in full on time for six months. In some situations the bank will go for concessions to a client who might be late in payment, but not by more than seven days.

If the borrower managed to restructure the loan, he cannot count on credit holidays. The service is not provided to those clients before full payment loans with three or fewer payments remaining. In addition, at least three months must also pass from the moment the loan is issued for the bank to consider the application for a deferment.

Promsvyazbank offers not only standard programs providing credit holidays that are stipulated by law and work in any large bank countries. The banking institution meets its clients halfway and offers borrowers to apply for a holiday for two loan payments at any time. Such deferment begins to apply on the date following the date of activation of the agreed service.

How can I get the credit holiday service?

You can get a credit holiday by contacting a bank branch or using the PSB-Retail online banking system.

The procedure is as simple as possible - the client must write an application and give it to a bank employee. A few days later, the bank will notify the client about the activation of the service. The terms of connection and the date of the next payment, which will follow the credit holiday, will be agreed upon.

It is safer to arrange the service through a bank employee. But it is much more convenient for modern borrowers to use Internet services, which you can work with without leaving your home. However, with the Internet connection you need to be very careful and carefully check whether the service is activated.

For borrowers who want to get a deferment for more long term, the procedure becomes somewhat more complicated. Borrowers must not only write an application, but also attach documents to it that confirm the deterioration of their financial situation. Usually for similar service individuals apply when diagnosed with a serious illness, dismissal from work through no fault of the borrower, birth of a child in large family, a significant reduction in wages and some other problems. Each situation is carefully studied and necessarily checked by the bank. After which the bank decides whether to provide the borrower with a deferment for several months.

Credit holidays at Promsvyazbank have only positive reviews. Customers especially appreciated the service of disabling payments for two months. After all, this procedure does not require confirmation, does not require additional collection of documents and long waits. The service is activated almost instantly and without problems. And literally all clients who have taken out loans from Promsvyazbank can take advantage of this opportunity. A very convenient option that really has rave reviews. Indeed, despite the fact that the loan term after connecting the service is extended by the agreed two months, the amount of payments does not change. And the client has a short respite from payments. After all, there can be many reasons to take such a pause:

• trip abroad;
• large purchase using personal funds;
• savings to pay for vacation;
• vacation at your own expense, as a result of which wages are reduced and other problems.

Each of the stated reasons is not considered valid. And when submitting an application to most banks in the country with similar arguments for receiving a credit holiday, they are unlikely to be accepted for consideration. There is no need to explain or prove anything at Promsvyazbank. You just need to inform about your intention to take a two-month deferment and get the bank’s approval.

Bank clients can have the opportunity not to pay a loan for several months if the following criteria are met:

1. paid off the loan for at least six months. At the same time, the borrower should not have any delays or other problems with the bank.
2. customers must not be in arrears or default on any other loans with the bank as well as other banking institutions. The bank also checks some clients according to other criteria - whether the borrower pays alimony, whether he has arrears public services And so on.
3. the borrower has not used credit holidays over the past year.

Promsvyazbank is ready to offer a credit holiday service to borrowers who have reached 23 years of age, but are under 65 years of age. The client must have a residence permit in the region where the bank branch he is applying to is located. And here seniority is not taken into account. They pay attention only to certificates from work about dismissal through no fault of the client, if an application for deferment is submitted for this reason. How long a person worked before this is not at all important to the bank. Evaluate financial condition individual on this moment time.

Payment for credit holidays

Such a big barrel of honey is overshadowed by a fly in the ointment - the service is not provided free of charge. The cost of obtaining the option not to pay a loan for two months costs 15% of the monthly installment amount. But the amount must be at least 2000 rubles.

The price is not low. But sometimes it is much more profitable for clients to pay for this service than to pay two months of loan payments. On the other hand, a service fee will force borrowers to think carefully before applying for a deferment. And this automatically weeds out those who similar opportunity not entirely necessary.

Credit holidays for a long period also cannot be called free service. Clients who actually require a review of the payment schedule due to the fact that they are in difficulty financial position, significantly overpay. After all, banks usually provide the opportunity for partial deferment, when only interest is repaid, and the loan body remains unchanged. Since the loan amount does not decrease, and interest is charged on the entire amount, the amount of interest payments for many months does not change downward, as is usually provided for in the loan payment schedule. Accordingly, the client ends up paying the bank more than was agreed upon in the first schedule.

To avoid confusion when applying for a credit holiday, the client is given a new payment schedule with adjustments that include the term of the credit holiday. Now the borrower pays according to the new schedule, and it is equally important to avoid delays and repay the agreed amounts in full.