Loan secured by your own real estate. List of banks issuing loans secured by real estate without proof of income

A loan secured by an apartment may be required when a person needs a large sum of money in the near future. The main advantage of this type of loan is a lower interest rate compared to programs that do not require collateral. Accordingly, the overpayment on the loan will be less.

The main nuance of obtaining a loan is the imposition of an encumbrance on the pledged property when signing the loan agreement. This imposes additional restrictions on the homeowner; until the loan is fully repaid, the apartment cannot be sold, exchanged or rented out without the permission of the lender. The second feature is compulsory real estate insurance.

Bank conditions may differ in each specific case, but there are standard criteria:

The loan amount depends on the value of the property. As a rule, it cannot exceed 60 - 80% of the cost of the apartment. Also, when determining the loan amount, the liquidity of the property is taken into account, i.e. the apartment must be in demand, this is influenced by its condition, location, area.
Long debt repayment period - up to 30 years.
The apartment should not be encumbered.
The property must be located in the same region as the credit institution.
The borrower must be permanently registered in the same area as the bank branch.
The client must meet the bank's requirements and provide the required package of documents.

For what purposes can you take out a loan secured by an apartment? Let's look at the most common lending cases:

Buying a property. Mortgage is the most common type of loan. The purchased object must be used as collateral; it is also possible to register existing real estate as an additional collateral. Down payment required.
Buying a car. If a car loan is secured, some banks can take it out without a down payment. The application is submitted at a bank branch or car dealership.
Loan secured by a share of an apartment. In practice, this option is extremely rare due to the complexity of registration and the lack of liquidity of the property. Only those whose share is alienated by law can apply for such a loan, for example, they own a room. In addition, other property owners must give their consent to the encumbrance.
Loan secured by property without proof of income. This option is suitable for borrowers who cannot officially confirm their income. As a rule, such offers provide less favorable conditions (higher interest rates, shorter loan term, large down payment) for customers.
Non-targeted loan secured by an existing apartment. The property must be owned by the borrower.

In the latter option, money can be obtained for any needs, and there is no need to report to the bank about where the borrowed funds were spent. Let's consider what bank offers for this type of lending currently exist.

At Sberbank, a non-targeted loan with collateral can be taken from 12%. The bank positions this loan as an alternative to a mortgage for those borrowers who do not have cash for a down payment. However, of course, borrowed funds can be spent not only on the purchase of real estate, but also for other purposes - there is no need to report to the bank. The loan term can reach 20 years.

Other terms and conditions for the loan product:

the loan is issued in rubles;
minimum amount - 500,000;
the maximum amount cannot exceed 10 million rubles. or 60% of the cost of the apartment, which remains as collateral;
Life and health insurance is required; if refused, the rate increases by 1 point;
the borrower can be a Russian citizen over the age of 21;
There are requirements for work experience and income.

The procedure for obtaining a loan is no different from other offers. After the application is approved, a loan agreement is concluded and a mortgage on the apartment is issued.

VTB 24

VTB 24 only accepts apartments in a multi-storey building as collateral. Moreover, the client does not have to be the owner of the property; it can be his relative who will be the guarantor for the loan.

Credit terms:

Loan term - up to 240 months;
Rate - 12%;
No down payment required;
The maximum loan amount is up to 15 million rubles.

A citizen of the Russian Federation who has a stable official job and income sufficient to repay the loan can become a borrower. Information about your financial condition must be confirmed with relevant certificates.

A secured consumer loan from Rosselkhozbank has lower interest rates compared to a regular loan. Funds can be received for a period of up to 10 years, the maximum amount is 10 million rubles. The required amount can be obtained not only in rubles, but also in foreign currency.

Loan repayment is carried out in differentiated payments, while most banks use annuity payments. This type of loan repayment is an advantage for the borrower, since the total overpayment will be less.

The interest rate on the loan depends on the loan term:

up to 1 year - from 16.5%;
1-3 years - from 16.75%;
3-5 years - 19%;
over 5 years - 19.5%.

Minimum interest rates are set for salary clients and borrowers who have a good credit history with Rosselkhozbank when applying for comprehensive insurance. The client must be over 21 years old and need to confirm his income; co-borrowers are allowed.

Raiffeisenbank

A special feature of providing a loan from Raiffeisenbank is that not only a Russian citizen, but also a foreigner can become a borrower. However, he will need to have an official income and confirm the legality of his stay in Russia. The interest rate on the loan is from 17.25%. In each case, the bank sets the final percentage individually, this is influenced by the following factors:

loan size;
no bad credit history;
availability of other loans;
financial condition of the borrower;
condition and value of the collateral object.

The maximum loan amount is 9 million rubles or no more than 60% of the cost of the collateral apartment. Only the client’s spouse can act as a co-borrower on the loan, provided that the marriage is officially registered. An apartment owned by the borrower or his spouse is accepted as collateral. No strangers, including tenants, should live in the apartment.

In addition to the basic requirements for the borrower regarding work experience and income, Raiffeisenbank also imposes requirements for the availability of other loans. If a client has more than two mortgages, he will be denied a loan. Another requirement is to have a valid telephone number (home or mobile). The maximum loan term is 15 years.

You can also receive money secured by real estate from this bank without confirming the intended use of the funds. The most favorable conditions are provided to existing clients. The maximum loan amount is 30 million rubles. The bank sets the final loan amount after assessing the property; the cost of the loan cannot be less than 30% of the value of the collateral. Loan term - up to 15 years, Interest rate - from 11.75%, set individually for each client.
Alfa Bank

The bank has standard requirements for borrowers and documents. You can receive funds for up to 30 years. The minimum loan is 600 thousand rubles, at the same time, the loan size cannot exceed 60% of the cost of the apartment if the money is taken to purchase real estate or renovation, or 50% if the funds are used for consumer needs. Rate - from 13.99% per annum. Alfa-Bank also offers quick loan processing: it takes 3-5 days to review the application and the same amount to draw up a loan agreement.

Loan application procedure

There are loan calculators on the official websites of banks that will help you make a preliminary loan calculation. So, by calculating a loan from several banks, the borrower can choose the optimal conditions for himself. Once a credit institution has been identified, you must submit an application for funds. The completed application form must be supported by the following documents:

passport (copies of all pages are required);
documents confirming work experience (copy of work record book or employment contract);
income certificates;
certificate of ownership of the apartment and other real estate documents (extract from the Unified State Register, purchase and sale agreement, deed of gift, deed of transfer);
extract from the house register;
certificate of absence of rent arrears;
documents from BTI.

It usually takes up to seven business days to process the application, depending on the bank. If the decision is positive, the next stage is appraising the apartment. It must be carried out by an independent appraiser; the borrower can find an expert himself or choose a company from those offered by the bank. As a rule, each credit institution has a list of accredited companies involved in assessment.

Then the collateral must be insured. Just as with the assessment, the client can choose the company offered by the bank or find an insurer on his own. However, not all insurance companies are suitable; they must have an appropriate agreement with the bank.

At the last stage, a loan agreement is concluded and an encumbrance is placed on the property.

Many Moscow credit institutions offer to take out a small loan for several years to solve current financial problems. If you need a large sum of money, but you do not want to tell the bank about your plans, you will have to provide the lender with collateral. A consumer loan secured by real estate is the best option for individuals to receive money in cash or on a card, where the loan repayment is guaranteed by an apartment or other real estate.

What is a consumer loan secured by real estate?

From a legal point of view, a loan secured by real estate is nothing more than mortgage lending, which is often associated only with the purchase of real estate. In fact, the concepts of “property pledge” and “mortgage” are synonymous words. These types of loans can be targeted or non-targeted. The only difference is that in the first case you will need to report to the bank for the funds spent. Lenders issue loans secured by residential and commercial real estate, as well as land, and the property itself is subject to insurance.

Why is it beneficial?

There are several advantages of a consumer loan, but the most important of them is that the bank can offer the borrower a large sum of money, which at times reaches 80% of the appraised value of the mortgaged property. The bank makes such concessions because it can always sell the property if the client violates the terms of the loan agreement and ceases to fulfill obligations to repay the debt.

Consumer mortgage lending programs are also beneficial in terms of annual interest rates. They are significantly less than standard loans for consumer needs. If the loan is also targeted, then clients can sometimes count on an additional reduction in the rate (about 1–2%), although this completely depends on the lending organization.

Where can I use it?

A loan secured by real estate is taken for various purposes. You can use the money received for vacation, repairs or purchase of some things. The loaned amount can also be spent on purchasing a car or even an apartment or country real estate. Many people resort to such loans if they need money to start their own business, since in this case there is no need to provide the lender with a business plan. In addition, a consumer loan secured by mortgaged property can also be taken out to refinance previously issued loans.

Where to get a loan secured by real estate

If you decide to take out a cash loan secured by real estate, it is recommended that you carefully weigh your options. This is due to the fact that although loans are provided for a long time and at a relatively low interest rate, the total amount of debt is large. Finding an organization that can satisfy your financial needs in exchange for collateral is not difficult, and you can choose both government agencies and commercial companies. In some cases, it is even possible to resort to the services of private individuals.

When choosing a lender, you need to pay special attention to several factors. Firstly, this is the time the organization has been operating in the lending market. Advantage should be given to those who have more than one year of successful practice behind them. Secondly, take the time to find out more information from real borrowers, their reviews of the lender’s work, and his approach to customer service. You can also pay attention to the company’s international ratings and indicators of its financial performance.

Banks

Most applicants for a consumer loan secured by real estate choose banking institutions as a lender, with preference given to large players in the financial market. However, you can always take a closer look at small financial institutions, because in the fight for each client they can offer very favorable lending conditions. Here are just a few lenders whose credit line includes loans secured by residential real estate:

MFOs and private lenders

When providing consumer loans secured by real estate, banks present a number of requirements, failure to comply with which entails refusal to issue a loan. There are other options - turn to microfinance companies or individuals. It is immediately worth noting that not all organizations have a license to carry out such operations. Below is a list of organizations that are especially popular among compatriots:

Capital Bail Company;
Investment Group;
Apartment building;
Euro-credit;
Loan Center.

Conditions for obtaining a loan

You can take out a consumer loan secured by property if certain conditions are met, which may vary depending on the company you choose. In addition, not all real estate is subject to collateral. For the bank, its liquidity is important, i.e. the likelihood that it will be possible to sell the collateral objects in the event of force majeure in the shortest possible time at a favorable price. For this reason, 1-2-room apartments in a residential area of Moscow will be more attractive from this point of view than a mansion in the Moscow region or large apartments in the center of the capital.

Requirements for the borrower

Banks do not impose any special requirements on applicants - they are standard. The first thing people pay attention to is the age of the borrower and whether he has a permanent job. The applicant must be a citizen of the Russian Federation and have registration in the region where he is requesting a loan. It is also necessary that the applicant must be the owner of the property being pledged. The chances of receiving a consumer loan increase if the borrower has a good credit history and there are no delays associated with payments on previously issued loans.

Interest rates

For using a consumer loan secured by an apartment, the bank will have to pay a certain amount, the calculation of which depends on the rate applicable under the agreement. Its nominal value can always be seen on the credit institution’s website or in advertising brochures. It is worth understanding that in most cases the final overpayment on the loan will be greater, because when calculating the real interest rate, additional fees charged by the bank will be taken into account, for example, for servicing, issuing or early repayment of the loan.

In order not to be unfounded, we can give a specific example. Sovcombank offers a loan product secured by real estate with a nominal rate of 18.9% for a period of up to 20 years. If the client wants to activate the “Financial Protection” option, he will have to pay an additional fee to the bank from 2 to 9.9%, depending on the amount of debt. As a result, the real rate on such a loan will be higher than that indicated in the offer.

A secured consumer loan is issued at Gazprombank at a minimum rate. Depending on the conditions, it starts at 11.9%, but the Moscow Industrial Bank offers a similar loan, where the annual rate is at least 20%. For this reason, before choosing a specific product, it is worth calculating the amount of monthly payments using a loan calculator, which can be found on the website of almost any bank.

Loan amount and term

A consumer loan secured by real estate differs from regular offers in terms of the loan period and maximum amount. If a standard term loan is offered by lenders for a period of 3 months to 5 to a maximum of 7 years, then in this case you can borrow money with a repayment period of 10–20 years. Loan amounts can vary from several thousand to tens of millions of rubles and depend on the estimated value of the collateral and the financial income of the borrower.

How to get a non-targeted loan

Before using the services of a specific bank in order to obtain a non-targeted consumer loan secured by real estate, you need to thoroughly study the offers of lenders. To do this, you can contact the lender directly or compare offers on special websites. In addition, it is worth finding out whether your property is suitable for transferring it as a guarantee of debt repayment, because many organizations put forward certain requirements for the property. If these issues are resolved, you can submit a loan application.

Loan application

Timeframe for consideration of the application and decision by the bank

Once the application has been submitted for review, the waiting period begins. The process is long and takes at least a week, and sometimes even a month. This is due to the fact that the bank needs to carefully check all the provided data and documents. In MFOs, the approval process is faster, and in some cases you can get a response within a few minutes.

Signing a loan agreement

If a positive response is received to the request, a bank employee contacts the applicant and invites him to the branch to prepare documents and conclude a transaction. The agreement is signed in two copies - for each of the parties. In MFOs, the signing procedure occurs in a slightly different way. A code is sent to the phone number specified in the application, which must be entered in a special field. In this way, the client agrees to the terms provided by the lender.

Receiving credit funds

After signing the contract and transferring the property as collateral, it is time to receive funds. The client has the right to choose how it is convenient for him to receive funds:

on the map;
cash;
to a bank account;
by money transfer.

In addition, you need to check with a specialist at the bank branch whether the credit institution charges an additional fee for issuing money from a cash register or ATM, whether you need to pay for issuing a card or you can use an existing one.

How to get a consumer loan secured by existing real estate

To obtain a loan secured by real estate, it is necessary to evaluate the existing property. To do this, you need to contact an independent appraiser or company. As a rule, each bank has a list of organizations or individuals accredited to perform such work. This paper must subsequently be submitted with all other documents.

What documents are needed

If most banks will issue a loan for consumer needs without providing certificates and other numerous documents, then in the case of a loan secured by real estate, you need to prepare more carefully. Depending on the institution, the presence of certain papers is not always mandatory. Here's what the lender mostly asks for:

passport;
proof of income;
a copy of the work record;
second document (TIN certificate, SNILS, driver’s license, etc.);
military ID (men under 27 years old);
document on the estimated value of housing;
title documents for real estate.

Advantages and disadvantages of secured lending

However, one cannot fail to emphasize the advantages of bank lending to individuals, such as a lower interest rate compared to standard offers, a large amount and the ability to use borrowed funds for any purpose. In some cases, it is possible to provide guarantors for obtaining a consumer loan. Among the disadvantages, it should definitely be noted that there is always a risk of losing your own home.

In addition, drawing up an agreement takes a long time and requires the provision of additional documents, which can be very costly and unprofitable. Whether a loan secured by real estate is optimal is something everyone decides in their own situation. If you are not confident in your abilities to repay the debt, experts recommend either not taking out this type of loan, or mortgaging any real estate, but not the one in which you live.

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at the place of registration of the borrower/one of the co-borrowers;
at the place of accreditation of the company-employer of the borrower/co-borrower.

Loan application review period

Up to 6 working days.

Procedure for granting a loan

One time.

Loan repayment procedure

Monthly annuity (equal) payments.

Partial or full early repayment of the loan

It is carried out upon an application containing the date of early repayment, the amount and the account from which funds will be transferred. The early repayment date indicated in the application must fall exclusively on a business day.
The minimum amount of an early repayable loan is unlimited.
There is no early repayment fee.

Penalty for late loan repayment

The penalty* for late repayment of the loan corresponds to the amount of the key rate of the Bank of Russia in force on the date of conclusion of the Agreement, from the amount of the overdue payment for the period of delay from the date following the date of fulfillment of the obligation established by the Agreement to the date of repayment of the Overdue Debt under the Agreement (inclusive).

Let's look at the conditions and benefits of this type of lending to citizens.

Today, anyone can find themselves in an awkward situation when a large sum of money is urgently needed. What to do in this situation? As a rule, a consumer loan is issued at a considerable interest rate. Consequently, there is a need to take out a loan secured by real estate: the overpayment is significantly less, the real estate actually remains available, and funds are issued within a few days. Is this really so, we suggest you find out further.

Features of lending secured by real estate

Today, banking institutions provide loans secured by real estate to almost everyone who applies to them. The reason for this is the guarantee of repayment of debt and accrued interest. If the borrower stops repaying the loan, then after the completion of legal proceedings, the mortgaged property becomes the direct property of the lender. Further, he has the right to use this property solely at his own discretion: rent it out, sell it, etc.

In accordance with the legislative framework of the Russian Federation, to obtain a loan from a banking institution, you can pledge the following objects:

land plot;
residential real estate (house or part thereof, apartment, room);
objects that are used for commercial purposes;
garden houses, garages, summer cottages, etc.

Property that is jointly owned can only be mortgaged with the consent of all owners. However, for example, part of the property belonging to the borrower can be registered as collateral without the consent of other persons.

List of real estate objects that are not subject to registration as collateral:

real estate in disrepair, as well as those that are subject to demolition in the future;
residential premises in which children under the age of majority, persons in prison and in the army, and elderly dependents are registered;
real estate, the privatization process of which did not take into account the rights of children;
objects having an encumbrance of a corresponding nature.

Conditions and requirements of banks for obtaining a loan secured by real estate

The main requirements for obtaining a bank loan secured by real estate are:

Solvency of the potential borrower.
Satisfactory physical condition of the property, the absence of any encumbrance on it.
Mandatory drawing up of a loan agreement.
Provision by the client of the following package of documentation:

application completed in the prescribed manner;
passport of a citizen of the Russian Federation;
a copy of the work book certified by the official employer, a certificate of income in form 2-NDFL;
marriage/divorce certificate;
a notarized document confirming the direct consent of the spouse to apply for a loan;
documentation for the property of the pledge (cadastral number, technical passport, extract from the Unified State Register, State Register Certificate).

A banking institution must take into account the liquidity of the collateral through a special expert assessment. The bank may not accept the deposit if the potential client provides the only housing in which his entire family and children under age live.

As you know, small loans, up to 100,000 rubles, are often issued by banking institutions without property collateral. However, someone who has a negative credit history cannot hope to get an unsecured loan. Consequently, if the client has a bad credit reputation, then providing real estate collateral is the only opportunity not only to obtain a bank loan, but also to significantly increase his credit rating.

It should be noted that not all potential borrowers have the opportunity to obtain a loan secured by a negative credit reputation. In this case, a positive decision directly depends on the rating assessment, that is, bank specialists consider the degree of violation of the loan agreement.

Borrowers who have systematically made delays should not wait for approval from the bank. If the delay in repaying the loan was of a one-time nature, the likelihood of issuing a new loan or refinancing an existing one is quite high. Banking institutions are interested in timely repayment of loan funds, so collateral refinancing options are given priority.

The quality of the collateral is of no small importance. Thus, the liquidity of the collateral object is initially assessed. Of course, the higher it is, the greater the chance of the borrower getting a loan on favorable terms.

In addition, the client must be prepared for additional expenses, since the bank has the right to require mandatory insurance of the collateral. The insurance policy is purchased annually, and its cost is calculated as a percentage of the total balance of the loan debt.

Loan secured by real estate without proof of income

Today, there is a practice of issuing loans secured by real estate without providing a certificate of income. But, unfortunately, not all banking institutions are willing to take such a risk. This is primarily due to the fact that banks do not want to bear significant losses from the potential insolvency of the borrower. Usually, The issuance of such a loan is carried out in an amount not exceeding 50% of the total value of the collateral object.

After the client provides a complete package of documentation, the bank will be ready to make an appropriate decision. Next, a loan contract and a collateral agreement are concluded. The borrower is recommended to carefully study all the nuances of lending immediately before signing a formal agreement.

Particular attention should be paid to the following points of the loan agreement:

loan interest;
the amount of the monthly mandatory payment;
the presence of an additional commission for processing a loan;
additional payment for loan servicing;
grace period (its presence or absence);
the amount of penalties for late payment of current payments;
the nature of the sanctions that the bank can apply to the debtor subject to his complete insolvency.

Additionally, the bank may require that the client take out health and life insurance. Of course, this will require certain financial costs.

Today, in the modern financial market, there are a huge number of credit and microfinance institutions that are ready to provide loans secured by real estate on convenient terms of service. However, the borrower is obliged to competently approach the solution of this issue, soberly analyzing his financial situation and comparing it with the possibility of repaying the loan debt in the future.

In accordance with the requirements of the Federal Law of July 27, 2006 No. 152-FZ “On Personal Data,” I express my consent to the processing of my personal data by PJSC CB “Vostochny”

The processing of personal data includes collection, recording, systematization, accumulation, storage, clarification, extraction, use, transfer (including cross-border transfer), depersonalization, blocking, deletion, destruction by automated and non-automated methods, as well as carrying out any other actions with my personal data with taking into account current legislation.

I give my consent with respect to information relating to me, including: photograph, last name, first name, patronymic, date and place of birth, residential (registration) address, details of identification documents (including in the form of copies of documents), telephone numbers, information about place of work, position, income and expenses, the presence/absence of relatives and indication of the degree of relationship (without indicating the full name of relatives), information about bank accounts in other banks (without indicating the account number, agreement and other information), information about amount of debt (including overdue):

to obtain information about my credit history on the basis of Federal Law No. 218-FZ of December 30, 2004 “On Credit Histories” from any organizations that, in accordance with current legislation, generate, process and store such information. The information received is intended for internal use by Bank employees for the purpose of the Bank making a decision on concluding a Loan Agreement, as well as monitoring the presence and actual fulfillment of my obligations under loan (credit) agreements during the validity period of the Loan Agreement if it is concluded;
for the Bank to provide the above personal data, regardless of the fact of concluding the Loan Agreement, to one or more of the listed credit history bureaus at the discretion of the Bank: JSC National Credit History Bureau, 121069, Moscow, per. Skatertny, 20, bldg. 1; Equifax Credit Services LLC, 129090, Moscow, st. Kalanchevskaya, 16, building 1; LLC "Russian Standard Credit Bureau", 105318, Moscow, Semenovskaya Square, 7, building 1; CJSC "United Credit Bureau", 127006, Moscow, st. 1st Tverskaya-Yamskaya, 2, building 1, for the purpose of transferring personal data to individuals and legal entities;
in order to promote the Bank’s services and products (SMS mailing, calling, etc.) using telecommunication networks;
to transmit information to the following third parties:
- a. collection bureau (LLC "EOS", 125009, Moscow, Tverskaya St., 12, building 9; LLC "Capital Debt Collection Agency", 129515, Moscow, Tsandera St., 4, bldg. .1; LLC "MORGAN", 125373, Moscow, Pokhodny proezd, building 14; LLC "National Collection Service", 117393, Moscow, Profsoyuznaya st. 56; LLC "Debt Collection Agency", 105318, Moscow, Ibragimova st., building 31; JSC "Sequoia Credit Consolidation", 127473, Moscow, Krasnoproletarskaya st., 16, building 2; LLC "Credit Security Bureau "RUSSKOLLECTOR", 129515, Moscow , Academician Korolev St., 13, building 1; JSC "Financial Agency for Collection of Payments", 109044, Moscow, Krutitsky Val St., 14; LLC "Creditexpress Finance", 127055, Moscow, Butyrsky Val st., 68/70, building 1; LLC "Credit Finance Agency", 127576, Moscow, Ilimskaya st., 5, building 2; LLC "Vostok Finance", 127055, Moscow, Novoslobodskaya st., 24, building 1; LLC "Credit Inkaso Rus", 129226, Moscow, Dokukina st., 8, building 2; LLC "Everest", 115035, Moscow, st. Pyatnitskaya, 6/1, building 8; LLC "Collection Agency "Fortis", 109004, Moscow, Zemlyanoy Val St., 59, building 2; LLC "LAL" 454091, Chelyabinsk, Lenin Ave., 21-v, office 713 ; LLC "Debt Collection Service", 428000, Cheboksary, Ilbekova St., 4; LLC "Far Eastern Legal Company", 690002, Vladivostok, Ostryakov Ave., 5 office " InBG-Pravo", 644099, Omsk, Krasnogvardeiskaya St., 49; Economic Security Agency LLC, 656058, Barnaul, Popova St. 139, office 16; Camelot LLC, 614000, . Perm, Monastyrskaya st., 14, office 200; Privolzhskoye Collection Agency "Magura", 603057, Nizhny Novgorod, Beketova st., 3 "B", office 351; 236022, Kaliningrad, st. V. Kotika, 4, apt. 10; LLC "Collection Agency "SP", 344082, Rostov-on-Don, Dolomanovsky Lane, 37; LLC "Law Company "SVS Group", 109544, Moscow, st. Novorogozhskaya, 11, building 1; LLC "CZ Invest", 241037, Bryansk, st. Krasnoarmeyskaya, 103; Primokollekt LLC, 117630, Moscow, Starokaluzhskoe sh., 62; LLC "Rusdolgcontrol", 127220, Moscow, Petrovsko-Razumovsky proezd, 2, apt. 32; Expobank LLC, 107078, Moscow, st. Kalanchevskaya, 29, building 2; SAAB LLC, 603087, Nizhny Novgorod, Kazanskoe highway, 10, building 3, room 2; LLC Collection Agency "Stonehedge", 107023, Moscow, Semenovsky lane, 15; LLC "YurBusiness-M", 107076, Moscow, st. Matrosskaya Tishina, 25; IP Titovsky Alexander Valerievich, 185031, Republic of Karelia, Petrozavodsk, emb. Varkausa 17-42; LLC "M.B.A. Finance", 115191, Moscow, Bolshoi Starodanilovsky Lane, 2, building 7, Floor 3), included in the self-regulatory organization of collectors, in order to collect overdue debt under the Loan Agreement in case of non-fulfillment or improper fulfillment of my obligations under the Loan Agreement, within the framework of the concluded agreement with the Bank;
- b. companies providing the Bank with mailing services, or replication and (or) preparation and sending of information materials (BieSPost LLC, 109428, Moscow, Ryazansky Prospekt, 8A, p. 20; 4es formula LLC, 117292 , Moscow, Nakhimovsky Ave., 46; JSC "Accord Post", 142180, Klimovsk, Industrialnaya st., 11); LLC "SPSR-express", 107031, Moscow, st. Rozhdestvenka, 5/7, building 2, k18; JSC "NovaCard", 603024, Nizhny Novgorod, st. Nevzorovykh, 49, office. 9. for the purpose of informing the Client about other products and services of the Bank and the execution of the Loan Agreement;
- c. insurance companies (OJSC "DalZHASO", 680000, Khabarovsk, Pushkina St., 38a; SOJSC "VSK", 121552, Moscow, Ostrovnaya St., 4; CJSC "SO "Nadezhda", 660049 , Krasnoyarsk, Parizhskaya Kommuny St., 39; JSC "SK "Kolymskaya", 680051, Khabarovsk, Suvorova St., 45; LLC "SK "Renaissance Life", 115114, Moscow, Derbenevskaya emb., 7, building 22; LLC "VTB Insurance", 101000, Moscow, Turgenevskaya square, 2/4, building 1; CJSC "SK "Reserve", 680000 Khabarovsk st. Postysheva, 22a; PJSC SG "Hoska", 680000, Khabarovsk, Pushkina str. 23 A, and other insurance organizations) providing insurance if the Client agrees to conclude an Insurance Agreement in the amount necessary for the implementation of insurance;
- d. microfinance credit organizations LLC "MFO "Center for Quick Loans", 680014, Khabarovsk, Vostochnoye Shosse, 41 block A room 7; LLC MFO "Loan Online", 123001, Moscow, Spiridonovka St., 27/24; office 8-N, LLC "Chestnoe Slovo", 127018, Moscow, Polkovaya st., 3, building 4 (hereinafter referred to as the MFO), in order for the MFO to make a decision on concluding a consumer loan agreement, as well as to monitor the availability and actual fulfillment of my obligations under loan (credit) agreements during the validity period of the Consumer Loan Agreement if it is concluded (within the framework of this consent, I also authorize the Bank to transfer to the above organizations a copy of my identity document).
- e. company providing consulting services on the selection of financial services LLC Finmedia*, 194017 St. Petersburg, Dresdenskaya st., 15, lit. A, for the purpose of concluding credit (loan) agreements.
- f. mobile operator PJSC Vimpel-Communications (PJSC VimpelCom), 127083, Moscow, st. Vosmogo Marta, 10, building 14, in order for the Bank to obtain an assessment of the Client’s potential solvency and other information affecting the possibility of concluding a Loan Agreement through the provision of information services by VimpelCom PJSC to the Bank: calculation and transfer of the scoring score; passing validation variables.

I give my consent to PJSC CB "Vostochny" to transfer information to the MFO, in the event that a consumer loan agreement is concluded between the MFO and me, about the card number (PAN card), about the number of my bank account opened with PJSC CB "Vostochny", transactions on it for the purpose of execution and control of execution of the Consumer Loan Agreement.

I also hereby give my consent to the MFO to obtain information about my credit history (credit report) from any credit history bureaus for the purpose of the MFO making a decision on concluding a Consumer Loan Agreement, as well as monitoring the presence and actual fulfillment of my obligations under it during the term of its validity in in the event of its conclusion.

I hereby give my consent to the Bank to receive from organizations providing mobile communication services (PJSC Mobile TeleSystems, 109147, Moscow, Marksistskaya St., 4; PJSC VimpelCom, 127083, Moscow, St. 8 Marta, 10, building 14; PJSC MegaFon, 115035, Moscow, Kadashevskaya embankment, 30) information: about the ownership of the telephone numbers provided by me to the Bank, about the status of the specified telephone numbers. The information received may be used by the Bank for the purpose of concluding and/or executing the Loan Agreement, as well as for informing me about the Bank’s products and services.

*The offer agreement for the provision of consulting services to Finmedia LLC is available at