Absolut Bank

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2016-08-12 00:00:00:

"Absolut Bank" is a universal financial institution. The company started its activity more than 20 years ago - in 1993. Its main shareholder is PJSC United Credit Systems.

According to rating agencies, Absolut Bank has the highest degree of creditworthiness. In 2016, the company's assets amounted to 256 billion rubles. The Bank is one of the strategically important financial structures: in 2015, the Russian Government allocated 6 billion rubles for the development of the company.

Absolut Bank is successfully developing, expanding its geographical expansion. Branches of the financial structure operate in 17 regions of the Russian Federation. The corporate case of the organization is more than 100 billion rubles, the volume of the retail case is 61 billion rubles. Ordinary citizens also trust the company: a total of about 60 billion is stored in bank accounts.

The company is focused on corporate clients and mid-level businessmen. Not the last place in the bank's activities is occupied by the retail direction with an emphasis on mortgages. Particular attention is paid to servicing status customers.

The financial institution participates in the State Deposit Insurance Program of the Russian Federation.

The bank's services are used by about 37,000 enterprises and organizations representing various economic sectors: light, food, machine-building, metallurgical industry and others. "Absolut Bank" has the right to cooperate with enterprises in the defense sector and organizations that ensure state security.

Services related to lending

"Absolut Bank" provides a set of loan products.

Mortgage

Loyal interest rates, flexible loan repayment terms are the main advantages of mortgage lending from Absolut Bank. The company offers the following types of loans:

purchase of housing that has already been put into operation;
purchase of real estate in a house under construction;
acquisition of apartments in the secondary market;
mortgage secured by existing housing;
loan refinancing.

The interest rate is from 11.2% (depends on the amount of the down payment and the duration of the loan agreement). The client can repay the loan up to 30 years. Mortgage conditions provide for an initial payment of up to 20% of the loan amount.

Customer credit

Bank customers can get a cash loan. There are two types of loans:

with security;
without security.

When applying for a consumer loan without collateral, the borrower can take up to 1 million rubles. The interest rate will be 16.5% per annum. The term of the loan is up to 5 years.

Security loans are issued secured by real estate. They have more favorable conditions: the maximum amount is up to 15 million rubles, the interest rate is 14.75% per annum, the term of the loan agreement is up to 15 years.

Restructuring

In the life of each person, situations may occur in which he is not able to comply with the terms of the loan agreement. In this case, loan restructuring comes to the rescue. Reasons for doing so may include:

sharp changes in the foreign exchange market (for loans issued in foreign currency);
loss of a job by the borrower or reduction of salary;
disability (illness of the client or family members);
leave to care for a child up to 3 years.

Restructuring is done in several ways.

Extension of the terms of the loan agreement. The term of the loan can be extended up to 7 years for consumer loans and car loans and for an unlimited time (at the discretion of the bank's management) for mortgages. The main condition: at the time of the last payment on the loan, the borrower must be no more than 65 years old.
Reducing the amount of monthly payments for a certain period (6-12 months).
Grace period for principal payments. Within 6-12 months, the borrower pays only interest.
Grace period for interest payments. The client pays fixed amounts, repaying the main debt, without paying interest (interest accrued during this period is evenly distributed until the end of the loan agreement).

Loan payments can be made in any convenient way:

in the branches of "Absolut Bank";
through the enterprise where the borrower works (the client must apply for a withholding of funds to pay off the debt);
through non-cash payments through third-party banks;
transfer from one payment card to another;
from a salary account opened both in Absolut Bank and in third-party financial organizations.

Loans on preferential terms

The bank offers to use loyalty programs, the participants of which can apply for a loan on preferential terms. A special project was developed for employees of the Russian Railways. It provides discounts on loans (up to 6% of approved interest rates). The program also offers favorable conditions for mortgage lending (rate - 10.5% per annum).

Discounts are also provided for regular customers - up to 2% of the standard interest rates (more detailed information is available on the Internet resource of the company "Absolut Bank", site absolutbank.ru).

Multiplication of savings

By opening accounts with Absolut Bank, you can get a good increase in salary or pension. A wide range of products is able to meet the requirements of even the most demanding customers.

"Orange Summer" This ruble deposit has an interest rate of 10.25% per annum. The account is opened for 200 days. Debit transactions or replenishment are not allowed. Interest is calculated at the end of the term of the deposit.
"Progressive income". The interest rate on this deposit will be 12% per annum for 367 days. The account is opened in domestic currency (minimum amount - 50 thousand rubles, maximum - without restrictions). Interest can accrue every month or be capitalized and increase the total amount of the deposit. It is allowed to replenish the account, but it is impossible to withdraw money.
"Absolute Maximum+". The depositor can deposit money in any currency: US dollars, euros or Russian rubles. Interest rate - 10.25% per annum. Replenishment and debit transactions are not provided. The client can independently choose the method of calculating interest: monthly payments or capitalization. The depositor has the right to close the account at any time without loss of interest.
"Rastivklad". The account is opened in rubles, dollars or euros. Interest income will be 7.5% per annum. Interest is accrued every month or added to the deposit amount (at the discretion of the depositor). Debit transactions and replenishment are possible. The term of the deposit is from 1 month to 1.5 years.

You can open a deposit at a bank branch or through remote services (online banking or mobile applications). To become a member of the online banking system from the company "Absolut Bank", you need to go to the official website of a financial institution and go through a simple registration procedure.

Bank cards

The Bank offers its clients to purchase plastic cards of VISA and MasterCard systems. The company issues payment documents of different levels: you can open a standard card or a premium class card.

Using a card from Absolut Bank, you can withdraw up to 300 thousand cash from ATMs daily. Payment documents are connected to the SMS notification service, thanks to which the account holder receives full information about the state of the balance and debit transactions. Connection and use of the service is free of charge.

Cards also provide certain privileges. For example, the yield on some of the deposits increases. When paying for goods or services using Absolut Bank payment documents, cardholders receive discounts.

For customers who have received a plastic card, an overdraft facility is available on preferential terms.

You can manage your card account online. There is no charge for using remote services.

The card account is replenished in any convenient way: by money transfers from one card to another, through payment terminals, at a bank branch, and so on. The document holder has round-the-clock access to the funds stored on the card account: cash can be withdrawn at any time of the day or night at ATMs, and you can pay for purchases or services through online services.

Remote Services

"Absolute On-Line"

Thanks to the Absolute On-Line service, you do not need to go to a bank branch to send money to friends or pay utility bills. All financial transactions are carried out in virtual mode. You will need a computer, access to the World Wide Web and a bank account with a certain amount of money.

On the online banking server, you can get the necessary information about the status of accounts, deposits and loans:

card accounts: balance sheet, financial statements;
deposits: terms of the agreement, interest rates, interest that has been accrued;
lending: terms of the loan agreement, debt repayment schedule;
bank accounts: balance, transaction information.

Using the service, you can pay for services, pay for goods, repay loans, pay fines and taxes, replenish deposits, make money transfers, make currency transactions, and so on.

"Absolute Mobile"

No less convenient is the Absolut Mobile service. By installing a mobile application on a smartphone, the user will be able to make payments at any time, wherever he is.

With mobile banking, you can:

pay for goods and services;
make money transfers (intrasystem and interbank);
create payment templates;
view the history of payment transactions;
manage loans (repay debts, monitor the status of the loan, view the payment schedule);
open, replenish deposits;
block / unblock a bank card;
monitor changes in the foreign exchange market;
find the nearest ATM or terminal using virtual navigation systems;
enjoy discounts and special offers from partners of Absolut Bank.