Opening

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2016-08-13 00:00:00:

Financial organization "Opening" appeared on the domestic banking market in 1993. This is one of the largest commercial banks in Russia. Interfax conducted research that showed that at the end of 2015 the corporation had the largest portfolio of assets among private banks. The capital of the company amounted to 216 billion rubles.

Otkritie Bank has spread throughout the Russian Federation: there is an official representative in every region of the country. In total, there are about five thousand retail outlets, branches and additional offices.

The company provides financial services to various categories of clients: individuals, small and medium-sized businesses, large companies and corporations. The bank's client base includes more than 3 million ordinary citizens, 163 thousand small companies and 29 thousand large enterprises.

Otkritie is a universal financial corporation where you can get a loan, open an account, issue a plastic payment card, exchange currencies and much more. The company is not alien to the latest technologies in the field of banking business: the company offers modern services that can greatly facilitate the conduct of financial transactions.

Lending from FC Otkritie

The corporation provides its customers with the opportunity to instantly realize their dream. To do this, you just need to apply for a loan at Otkritie Bank. There are 3 types of loans:

mortgage;
consumer;
credit cards.

Payment cards

Otkritie Financial Corporation offers its clients a wide range of payment cards.

"Entertainment Map" The conditions offered by these cards will appeal not only to young people, but also to family people. The payment document provides a 5% discount on payment for various kinds of entertainment: cinema, attractions, restaurants, theaters, virtual games, etc. In addition, you can receive additional income on residual funds - 6% per annum.
Travel is an ideal option for travelers. When paying with a card, a person receives bonus points on his account, which can later be exchanged for train or plane tickets. Bonuses can also be paid for a hotel room. Another feature of the payment document is the accrual of interest on the balance of funds. With this card, you can withdraw cash from any ATM without a fee.
The "Pension" card is a profitable solution for the elderly. It allows not only to withdraw “live money” from ATMs without commissions, but also to receive a small, however, stable income. By paying with a card, you can take advantage of discounts on goods and services.
"Good deeds". This is a product of a charity program from Otkritie Bank. Using the card when paying for purchases, its owner helps those in need (the bank transfers 0.4% of the value of the goods to the Vera fund). Income is accrued on the balance of funds - 6% per annum.

This is not the whole list of payment cards offered by a financial institution. To get complete information, you should go to the official website of Otkritie Bank www.openbank.ru. The company issues payment documents that provide access to the stadiums "Moscow", "Spartak". There are also gift cards that will be a wonderful surprise for an anniversary or celebration. Some payment documents provide discounts when paying for the services of gas stations.

Lending to individuals

Consumer loans

The financial corporation provides 2 types of lending: mortgages and consumer loans. For clients who receive wages on accounts opened with Otkritie, preferential terms for obtaining a loan are offered.

To get a loan, you need to apply at one of the bank branches. The Credit Commission will consider it (within 3 banking days, and in some cases the decision is made almost instantly) and issue its verdict. Loan terms can vary from 1 to 5 years. The amount varies from 50 thousand to 1 million 500 thousand rubles.

Interest rates are determined by the term of the loan and the company where the borrower works (from 16.5 to 27.9% per annum).

The financial corporation also offers additional services related to lending:

early repayment of debts without charging a fine or commission fee;
issuance of a payment card (issued free of charge);
insurance against risks associated with financial instability (for example, job loss);
health and life insurance.

Requirements for borrowers

Otkritie Financial Corporation issues loans to citizens of the Russian Federation who have reached the age of 23 and are not older than 68 years.
The borrower must be registered in the region where the branch of the bank providing the loan is located.
Loans are issued to clients of a financial corporation who have an account or a payment card for transferring salaries.
Only people who have worked at their workplace for at least six months can receive a loan.
The borrower must not be a private entrepreneur or work for a private entrepreneur.
Loans are available for those citizens who have a net income of 15 thousand rubles (for residents of Moscow, Moscow region and St. Petersburg) and 12 thousand rubles (for residents of other regions of our country).

affordable housing

Every young family dreams of their own home. FC Otkritie provides such an opportunity. Having issued a mortgage in a bank, customers can buy any type of real estate on favorable terms.

Loans are issued against the security of purchased housing. The company offers several mortgage programs.

"Apartments in new buildings". This project allows you to purchase cheap housing in houses that are under construction. The main condition for obtaining a loan is that the developer must be a partner of FC Otkritie. Favorable interest rates (from 11.2% per annum) make this type of mortgage the most popular.
"Free meters". Having issued this loan, a person can purchase a house with a land plot or an apartment secured by the purchased housing. Rate – 13.75%
"Flat". The program provides for the purchase of secondary housing. Interest rate - 12.75%
"Mortgage +" is an opportunity not only to purchase real estate, but also to make major repairs in your new home. Interest rates - 16%.
Military Mortgage. This loan is for military personnel. With it, they will be able to improve their living conditions. Mortgage involves the purchase of apartments in houses under construction. The rate will be 11.4%. The largest amount that can be taken is 1 million 930 thousand rubles. Loans are issued for terms ranging from 1 to 20 years.

FC Otkritie offers a mortgage loan refinancing service, which provides for a change in the currency and loan repayment rules.

To learn more about the lending products offered by Otkritie Bank, you should go to the official website of the company.

Contributions

FC Otkritie is a unique opportunity to get a stable income from interest on deposits. The organization offers a wide range of such products.

"Basic income" implies maximum rates. On this deposit, interest can be transferred monthly to a separate account or capitalized, increasing the total amount of the deposit. You can open an account in any of the branches of the bank or in virtual mode through the Internet banking service. Early closing of the deposit without loss of interest is possible.
"Income account". This deposit will be a profitable solution for all categories of clients, especially for pensioners. Its conditions provide for such operations as replenishment of the account or early withdrawal of money. Interest is charged on the balance.
"Active replenishment". This deposit can be replenished. Early withdrawal of money is also allowed (at the same time, interest is preserved). There are two ways to make a deposit: by contacting bank employees or in virtual mode. Online banking offers better interest rates. Interest can be capitalized or transferred to a card account.
"Protection against fluctuations in the foreign exchange market." This deposit can be opened simultaneously in several types of currencies (domestic, European and American banknotes). The conversion takes place at the bank rate without commission. Interest payment is determined by the account holder: income can be added to the deposit amount or transferred to a separate account.