Bank Russia

Back

2016-08-19 00:00:00:


Rus is a financial institution that provides Russian citizens with mortgage lending and other banking products. The company was founded in 1990. Rus Bank is located in Orenburg. The activity of the enterprise is based on licenses granted by the Central Bank of Russia and is regulated by the current legislation of the Russian Federation. Here you can make deposits in various types of currencies.

The company is a member of the Association of Banks of Russian Regions and the Association of Banks of the Russian Federation. "Rus" is a member of the state deposit insurance program, which indicates the reliability of the bank.

The organization was one of the first to provide loans to Russian residents for the purchase of real estate, so it can rightfully be called the founder of mortgage lending not only in Orenburg, but throughout the country. The year 2001 was marked by the fact that the company's employees developed the first project in the Russian Federation for the reinvestment of mortgage loans. The company also initiated the issue of mortgage (debt) securities.

The bank's management also made a great contribution to the development of the Russian economy: the company finances enterprises that sell food products. The organization is in partnership with the Russian Development Bank and together with it provides support to representatives of small and medium-sized businesses.

 

Remote maintenance services

Bank "Rus" cares about the comfort of its customers, so the company's employees have developed remote services that allow you to make financial transactions without leaving your home.

Online banking

Becoming a user of Internet banking from the company "Rus", the client will be able to manage accounts from a home computer or mobile device. There are two ways to connect to the service:

  • using one-time passwords that are sent to a mobile phone and used to confirm payment transactions;
  • using a certificate that confirms the client's electronic signature (the certificate is stored on the smart card).

What opportunities does online banking provide? System users can:

  • view the history of financial transactions, as well as other information related to account management: financial statements, balance sheet, transaction statements;
  • pay for the services of various enterprises (housing and communal services, communication and TV providers, etc.);
  • receive information about loans: debt balance, payment schedule, interest calculation, etc.;
  • make money transfers, including those related to the replenishment of accounts opened with Rus Bank;
  • pay for purchases purchased in virtual stores;
  • adjust the settings that ensure the security of payment cards (blocking or unblocking, setting restrictions);
  • pay taxes.

To become a user of Internet banking, you need to go to the official website of Bank Rus http://www.bankrus.ru and fill out a simple registration form.

Mobile bank

Mobile banking provides users with the ability to make payments without being tied to a specific location (bank office or desktop computer). Thanks to this service, you can pay anywhere: outside the city, while walking in the park or taking the subway. The main condition is an Internet connection.

The application installed in a mobile phone provides access to almost all banking services: payment for services and goods, money transfers, checking account balance, viewing transaction history, and more.

Each financial transaction is accompanied by a notification that is sent to the mobile number of the account holder. It indicates the amount of the expense and the balance on the balance sheet.

 

Bank transfers

Clients of Bank Rus can transfer funds to accounts of third-party users and make interbank money transfers in domestic and foreign currencies. Money transfer occurs in several ways.

  1. From accounts opened with Rus Bank. This method allows you to make intra-bank transfers, replenish deposits, transfer funds to accounts of third-party banks both in Russia and abroad. Money can be sent to the accounts of individuals and legal entities. During the transfer, funds can go through the conversion procedure (at the request of the sender).
  2. Implementation of transfers through the systems "Zolotaya Korona" and "Contact". This method does not require a bank account. The transaction is carried out instantly.
  3. Transfers through self-service terminals.

 

Contributions

Bank "Rus" offers several types of deposits, which differ from each other by the terms of the agreement, currency, interest rates, the possibility of conducting debit-receive operations, etc.

  1. Category of deposits "For all". These products can be opened for a period of 1 month to 3 years. For example, the Prestige deposit is issued for 372 days and offers interest rates up to 9% per annum. This is a ruble deposit, providing for replenishment and partial expenditure of funds. Early termination of the contract on preferential terms is possible.

The Gubernatorsky product is especially popular. It may be open to a child who has just been born. Money can be withdrawn from the account after its holder reaches the age of majority. The Rentier deposit allows you to receive monthly income (interest is charged to a separate account). The interest rate on this product will be up to 8.7% per annum.

  1. Category "Deposits in foreign currency". These are foreign exchange deposits. The depositor can issue an account in US dollars or in European banknotes. The term of the contract is 3, 6 and 12 months. Interest rates - 1.6% (dollars), 1.3% (euros). The minimum account opening amount is $300/EUR. Incoming and outgoing transactions are not possible. Interest can be transferred to a separate card account or capitalized.
  2. Products for pensioners. The bank offers 3 types of deposits intended for the elderly. The "Golden Age" deposit is opened in rubles for a period of 1 year and provides for replenishment and partial expenditure of funds. Interest rate - up to 9.1% per annum. Early termination of the contract is possible. Interest is capitalized.

The Rentier deposit offers the highest possible interest rates - up to 9.2% per annum. Interest is charged to a separate account. The term of the deposit is from 1 month to 1 year.

The "Pension Comfortable" product provides for a high interest rate (8.9% per annum) accrued every month to a separate account. Only organizations, for example, the Pension Fund or the enterprise where the depositor works, can transfer money to the account.

  1. Matryoshka online @ yn. This product is issued in virtual mode. The term of the contract can be determined by the client independently (from 3 months to 3 years). The interest rate depends on the amount invested and the duration of the deposit and can reach 8.8%. Debit transactions are not allowed.

 

Credit programs in the bank "Rus"

The company offers its clients all types of loans: car loans, mortgages, consumer loans.

Mortgage

A mortgage is an opportunity to acquire your own home. By participating in one of the mortgage lending programs, you can buy an apartment in a new house, which was recently put into operation by the developer, a country house, housing on the secondary market or real estate in a building under construction.

Having issued a loan for housing in a house under construction, the borrower can receive an amount from 300 thousand to 7 million rubles. The interest rate will range from 12.65% to 14.85%. In some cases, reduced rates are provided. For example, if the borrower has 3 minor children, he will be offered reduced rates (by 0.5%). Employees of military-industrial enterprises can also take advantage of the benefits: their rates are reduced by 0.25%. Loyal lending conditions are also provided to the participants of the Housing for Families in Russia program (reduction of rates to 0.25%).

"Rus" offers to take advantage of the conditions of the project "Rus - low-rise housing", thanks to which you can realize the dream of your own cottage with a garden plot. You can also buy an apartment in a house on 2-3 floors or a townhouse. The loan is issued for a period of 3 to 15 years. The interest rate will be 13.95% per annum.

Some categories of customers can take advantage of preferential lending conditions:

  • payroll clients;
  • borrowers with a good credit history who have repeatedly issued loans to Rus;
  • older people who receive pensions in bank accounts.

Credit cards

Credit cards are the most convenient and profitable way to get a loan. The funds stored on the account can be disposed of by the cardholder at his own discretion. The main advantages of credit cards from the company "Rus" can be called the constant availability of finance (money can be transferred to cash at any time through ATMs) and the ability to use credit funds without interest.

The bank offers 2 types of credit cards, which differ from each other in terms of interest-free use of money: 55 and 100 days. You can issue a payment document:

  • payroll clients;
  • public sector employees;
  • borrowers who have applied for a mortgage or consumer loan and received permission from the credit commission of the company "Rus" (regardless of whether the loan was received or not).

The Bank also provides overdraft loans. The interest rate for state enterprises will be 20.5%, for commercial enterprises – 20.5%. The loan must be repaid by the end of the current year.