Loan from Idea Bank. Idea Bank - Cash Credit, Credit Card. Conditions. Reviews List of required documents

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IDEA BANK➔Idea Bank: Apply for a cash loan, online, get a credit card "Card Blanche White", without income certificate up to 50,000 UAH

Idea Bank loan terms: credit card/cash up to 300 000 UAH

Idea Bank is a bank with a growing deposit portfolio and more than 25 years of experience in Ukraine. Idea Bank was able to reach 12th place in the Top 20 most reliable banks in Ukraine according to the Dragon Capital and NV ratings. The bank's goal is that every client should feel safe and receive both stable profits and protection of their savings. PJSC "Idea Bank" This is the former PJSC Plus Bank. It is worth noting that the bank is part of the largest in Central and Eastern Europe financial group - Getin Holding SA (Poland). Also, since entering the structure of Getin Holding SA, a whole range of various transformations and innovations have been carried out. Literally everything has changed. Starting from the bank’s development strategy itself and ending with the organization of the bank’s work and restructuring within the management structure. The investors themselves were able to contribute new technologies and various instruments that have proven themselves quite well in the European market of Getin Noble Bank (the main asset of Getin Holding SA). So, in general, thanks to a variety of transformations, as well as the professionalism of the Plus Bank team, he was able to triple his assets over all this time. This evidence of trust was the fact of growth deposit portfolio, and constant, which for the entire 2010, in comparison with the growth of the entire banking sector, was able to grow to 109.2% from 23.9%.

• opportunity to receive up to 50,000 UAH
• preliminary loan decision in 1 minute
• It is not necessary to have a financial guarantor
• possibility of taking into account additional income of the borrower

In case of non-refund within three banking days pay interest on the unreasonable use of such funds in the amount of 42% of the amount unreasonably used, received or stored Money.

Calculation of the amount of 1000 UAH borrowed*:

• credit term: 10 days
• percentage per day: 0.15 %
• overpayment for loan: 15 UAH
• amount to be refunded: 1.015 UAH

*calculation is not final and approximate, check with the manager for more accurate information

Additional Information:

• revolving loan: Yes
• add. payments/commission for revolving credit: No
• terms of the renewed loan: full repayment previous loan
• Grace period use credit funds up to 90 days
• official - from 3 months. at the last place of work, self-employed - from 6 months. Informal employment - confirmation required for self-employed people
• 12% on the balance of your own funds in the account
• free credit card application
• minimum package of documents for issuing a loan
• Card service is free
• wide choice of loan repayment channels
• high-quality call center work

CJSC "Idea Bank" is one of the leading credit institutions that has spread its network throughout the Republic of Belarus. Ruler consumer loans offered to the population by this bank are characterized by flexible conditions and variety of assortment.

Loan program for individuals

All products that the organization can offer are intended on consumer needs . An application for approval of any loan is reviewed by bank employees for up to 30 minutes.

When applying for a Standard loan, you must attract two guarantors.

General requirements that Idea Bank puts forward for borrowers:

1. age limit from 18 to 70 years;
2. Belarusian citizenship;
3. loans are issued at the place of registration of the resident;
4. presence of an official source of income.

List of required documents

List of documents that will be needed to apply for a loan:

• passport of a citizen of the Republic of Belarus;
• certificate of monthly income from your place of work (not applicable for pensioners);
• payment document for the purchase of Belarusian-made goods (for borrowers of the “National” product);
• military ID for persons of military age.

A document reflecting the level of income is drawn up on bank letterhead from the employer. You can take out a loan without proof of income:

• For happy moments.
• Easy.
• Before payday.
• Short.

For a loan amount of up to 5,000 BYN, certificates of monthly income are not required for any lending programs.

Over the years of the Internet, consumers have become accustomed to receiving services without leaving home. Financial products are no exception, which is why Idea Bank provides borrowers with the opportunity to apply for loan approval online.

The electronic document is filled out on the company’s official website, in the “Private Clients”, “Loans” section, on the right side of the screen. The form of the questionnaire is as condensed as possible:

1. write name;
2. indicate your cell phone number;
3. enter an email address;
4. choose a convenient time to call;
5. agree to the privacy rules;
6. click the “Submit Application” button.

In this way, a potential borrower orders a call back so that a bank specialist can contact him by phone.

Through registration with MSI Another way to complete an online application for a loan from Idea Bank is possible. When you follow the link to the “Online Services” page, you can enter the client’s account using the MSI login and password, or by clicking on the “Register” button.

Next, you need to indicate your phone number, to which an SMS message with your login and password will be sent. Upon initial login Personal Area the client will receive a confirmation code via SMS. Will open in profile electronic form form in which you need to fill in:

1. FULL NAME.;
2. cell phone number;
3. E-mail address;
4. the loan amount of interest;
5. source of income;
6. date and place of birth;
7. registration address and place of residence;
8. citizenship status.

If the decision is positive, the borrower will need to provide the bank with all Required documents and draw up a loan agreement.

The bank was founded in November 1990 in Krasnodar. The founders were 82 organizations. From 1995 to May 2013, the credit institution operated as OJSC Joint Stock Bank Kubanbank, after which it changed its name to OJSC Investment Trust European Joint Stock Bank"(I.D.E.A. Bank). In December 2015, the bank changed its organizational and legal form and switched to a name that is consonant, but not formally related to the previous decoding - PJSC Idea Bank. Since February 2005 he has been a member of the system compulsory insurance deposits.

In 2010, the total number of shareholders of the bank reached 3,164 (168 legal entities and 2,996 individuals). The key owners were Russian citizens Pavel Boyko (20%) and Roman Dusenko (13.28%), as well as US citizens Edward Dubinsky and Tierney Michael Paul (20% each). The owners' plans included development credit organization with a focus on the mortgage business, however, the 2008 crisis prevented the implementation of its goals, and the bank was refocused on lending to small and medium-sized businesses.

According to market participants, the group of above-mentioned businessmen had to look for new investors a little later due to the need to recapitalize the bank to the amount of 180 million rubles by January 1, 2012.

In March 2011, the “daughter” of the Polish financial group Getin Holding* company "Carcade Leasing" acquired 75.58% plus one share of the Krasnodar bank, announcing plans to increase the ownership share to 100%. In November 2011, the bank carried out an additional issue, as a result of which Carcade Leasing increased its share in the bank’s capital, subsequently bringing it to 96.06%.

In May 2014, the parent organization of Carcade Leasing, the Getin Holding group, acquired the entire stake owned by the leasing company (96.06%). The nominal value of the shares sold is about 381.4 million rubles, the transaction cost was 667.4 million rubles. According to the owner of Getin Holding, Leszek Czarnecki**, the bank’s main activity was supposed to be car lending, and the corporation planned to become a leader in this area in Russia in the next five to six years.

In May 2015, Getin Holding JSC decided to sell a stake in the credit institution to Nizhny Novgorod Forus Bank.

Currently, the shareholder of the bank is Forus Bank JSC (96.08%). A share of 3.92% is distributed among minority shareholders.

In addition to the head office, the bank's service network includes two additional offices, five credit and cash offices, three operational offices and a representative office in Moscow. As of October 1, 2015, the headcount was 137 people (according to RAS reporting). The company's own ATM network is not developed.

The bank serves about 6.3 thousand corporate clients from among small and medium-sized businesses. Main major client credit institution OJSC "Plant of Aluminum and Steel Structures" is listed.

Legal entities are offered cash management services, deposits, leasing, and Internet banking. Private clients have access to deposits in rubles, auto and consumer loans, Money transfers (Contact systems,UNIStream, Western Union And " gold Crown»), bank cards, as well as currency exchange transactions.

At the end of 2015, the net assets of the credit institution increased by 17.9%, or 915.9 million rubles. The driver of growth in the passive part of the balance sheet was the influx of funds from individuals (+44%, or 1.4 billion rubles), an increase in the volume of the portfolio of attracted interbank loans (+66.7%, or 100 million rubles) and equity capital (+8.7% , or 53.2 million rubles). At the same time, funds from enterprises and organizations showed a decrease (-47.3%, or 293.5 million rubles).

In the active part of the balance sheet, there is an increase in the portfolio of funds placed with banks (four times, or by 800 million rubles), the portfolio valuable papers(from zero to 305.7 million rubles), highly liquid funds (+97%, or 245.7 million rubles), as well as the loan portfolio (+11.9 million rubles). At the same time, the bank reduced the volume of investments in other assets (-34.1%, or 441.8 million rubles).

In the structure of liabilities, 76.5% are funds from individuals, most of which were raised for a period of one to three years. On own funds(capital) accounts for 11% of net liabilities, which includes three subordinated deposits. The first deposit was attracted from Rego LLC in 2010 in the amount of 5 million rubles at a rate of 10% with a repayment date of June 1, 2017. The second is from Getting Holding S.A. in 2013 in the amount of 50 million rubles at a rate of 10% with a maturity date of December 27, 2019. The third was attracted from Idea Bank S.A. in 2014 in the amount of 152.2 million rubles at a rate of 11% with a maturity date of February 27, 2020.

Funds from enterprises and organizations account for 5.4%, the portfolio of attracted interbank loans - 4.2%. The credit institution's client base is large, payment dynamics are moderate, and monthly turnover on client accounts amounts to 2.6-5.3 billion rubles.

In the structure of assets, a share of 55.4% is formed by the loan portfolio. Placed interbank loans account for 16.6% of net assets. Throughout 2015, the main counterparties were OJSC JSCB Absolut Bank, JSC Alfa-Bank and PJSC JSCB Svyaz-Bank. Other assets, represented mainly by factoring requirements, form a share of 14.2%, highly liquid assets (cash, nostro correspondent account balances) - 8.3%, securities portfolio (OFZ, bonds transferred in repo) - 5. 1%.

Loan portfolio since the beginning of 2015, it has increased slightly in volume (less than 1%) and as of January 1, 2016 amounted to 3.3 billion rubles. More than 80% of the portfolio is represented by retail loans, the rest is corporate loans, which have increased 7.7 times since the beginning of 2015. At the same time, the retail portfolio decreased by 10.3%. The level of overdue debt did not change - 6.9%. The reserve rate is at a moderate level - 11.9%, and is decreasing dynamically (at the beginning of 2015 - 19.3%). The loan portfolio is secured by property in the amount of 3.8 billion rubles, or 114.3% of the total portfolio, which is a high figure.

In the repo market the bank is weakly active with insignificant turnover. In the interbank lending market, it acts primarily as a net lender, placing excess liquidity for a maximum period of 180 days, and is attracted rarely and in small volumes. On the market foreign exchange transactions The bank showed moderate activity. Monthly turnover increased from 1.1 billion to 39.7 billion rubles.

At the end of 2015, the bank received a net profit of 22.4 million rubles (in 2014, the same figure was 9.3 million rubles).

Board of Directors: Ruslan Suleymanov (chairman), Albert Asryan, Alexander Bortnik, Denis Samkov, Larisa Kondratova, Andrey Titov, Anastasia Solovyova.

Governing body: Anzhelika Poplavskaya (chairman, president), Tatyana Lyubina, Larisa Khizhnaya (chief accountant), Inna Fomina.

* Getin Holding S.A. is a large Polish financial holding company established in 1996. According to the company, the main owner is Leszek Czarnecki (57.11%). Besides Russian bank The holding includes three banks in Poland (Powszechny Dom Kredytowy, Idea Bank, Getin Bank), the Ukrainian Idea Bank (formerly Plus Bank) and the Belarusian Idea Bank (formerly Sombelbank), as well as leasing, insurance, brokerage and investment companies.

** Leszek Czarnecki is one of the three richest Polish businessmen. His fortune, according to Forbes magazine, is estimated at 7.1 billion zlotys (about 1.8 billion euros).

Idea Bank | Take a cash loan up to 200,000 UAH without certificates or guarantors. Online application. Reviews, description, lending conditions at Idea Bank.

IN Idea Bank You can get a cash loan easily and quickly, even without an income certificate! This product will help young people over 23 years old, as well as adults up to 75 years old, to realize their ideas. Maximum amount loan 200,000 UAH. Loans are issued to working people (not officially) and pensioners. The loan is provided in the amount of up to 200,000 UAH. The loan term ranges from 12 to 60 months. The final terms of the loan in terms of amount and term will be offered on an individual basis. To get a loan from Idea Bank, all you need is a passport (ID card) and an identification code. Pension certificate (if necessary). Additionally, you may need to confirm any stable income you have (work, pension, etc.).

* Fill out an application, they will call you and, if approved, inform you of the amount of the approved loan, the date and place of receipt. Applying for a loan without leaving your home is very simple.

* Most credit services automatically check applications. It is likely that your loan application will be rejected. To avoid refusal, carefully fill out the fields of the application form for receiving funds, and it is also recommended to contact several microfinance organizations at once to increase the chances of confirmation of the request. This especially applies to borrowers with poor credit history or people who do not have a permanent job.