AK Bars Bank is a large credit institution with a share of state-owned assets. The Bank is confidently in the TOP-20 of the most reliable financial institutions in the country and holds a leading position in the Republic of Tatarstan. The product line of AK Bars Bank includes all types of loans: consumer and targeted loans, mortgage programs, car loans, etc. In order to understand whether the payment amount is right for you, you can make an online loan calculation using the loan calculator of AK Bars Bank.
- Questionnaire
- Passports of borrowers/co-borrowers, spouses. Marriage contract, birth certificate of children (if there are dependents), etc.
- Certificate from work for 6 months. in the form of 2NDFL. If the borrower / co-borrower is a pensioner, then you need to provide a certificate from the Pension Fund.
- Scanned copy of the work book with a seal and certification of an authorized person, etc.
Mortgage Loan Calculator for Android
Calculation and accounting of multiple loans. Export data via email. Ability to evaluate the benefits of early payments. Graphical representation of profitability using graphs. Calculation with a change in the interest rate.
Loan calculator for iPhone/iPad
A version for iPhone and iPad is available. A convenient calculator that allows you to calculate a loan, and early repayment of a loan is also possible
Loan calculator for Windows Phone 7-8
The calculator allows you to make a calculation on a loan from AK Bars Bank or on the proposals of other credit organizations. This will allow the potential borrower to compare products and choose the best one.
Loan calculator AK Bars Bank very easy to use. The user needs to specify the estimated amount, interest rate, term and type of interest accrual. As a result, the borrower will receive a detailed payment schedule, where the overpayment, the final amount to be repaid, and the amount of the monthly installment will be visible.
Loans from AK Bars Bank
The bank's line of consumer loans includes 5 products that are issued in rubles or foreign currency. There are loans for pensioners, new borrowers, employees of budgetary organizations, privileged clients. The maximum loan term is 5 years.
The minimum interest rate of 21% per annum (with collateral) is available for the "Pension" and "Preferential" loans. The rate for a loan without collateral will be 23% per annum. The maximum amount is determined individually, depending on the creditworthiness of the borrower and the value of the collateral.
A consumer loan for new customers is issued in the amount of 10,000 rubles. up to 500,000 rubles, both with and without collateral. The interest rate depends on the number of guarantors, availability of collateral and insurance. For example, applying for a loan for up to 36 months. (without insurance) and under the guarantee of 1 individual, the client will pay 27% per annum. A similar loan with insurance is issued for up to 3 million rubles at 23% per annum. The insurance premium is included in the body of the loan.
Citizens of the Russian Federation aged 21 to 65 can apply for a loan online. Permanent income, continuous work experience from 6 months. - mandatory conditions.
A special product "AK-Bars Prestige" is available for employees of the bank's partner companies. The amount varies from 50,000 to 500,000 rubles, the minimum rate is 26.5% per annum.
Potential customers of the bank can apply for a loan secured by real estate. The maximum amount is limited by the client's solvency, and not by the value of the collateral.
For motorists, the bank offers 2 loan programs secured by cars. The maximum loan term is 5 years, the amount is limited by the client's solvency. The minimum rate is 16.5% per annum. The amount of the exact cost of a car loan depends on the amount of the down payment and the term. For example, if you buy a new car with a down payment of 15% to 30% for up to 3 years, then the rate will be 20.5% per annum in rubles or 18.5% in foreign currency. A similar loan for a period of 3 to 5 years will cost the borrower 21.5% per annum.
| Credit | Max. sum | Min. Bid | Max. term | Payment type | Payment |
|---|---|---|---|---|---|
| Consumer without insurance and ensure |
500000 rub. |
26% | 5 years | annuity | |
| Preferential without insurance and ensure |
500000 rub. |
24% | 5 years | annuity | |
| Loan under pledge real estate |
15 000 000 rub. |
23% | 5 years | annuity | |
| pension without insurance and ensure |
2000000 rub. |
24% | 5 years | annuity | |
| "Prestige" | 500000 rub. |
25,5% | 5 years | annuity | |
| car loan "Maximum" new car with CASCO |
7 000 000 rub. |
21% | 5 years | annuity | |
| car loan "Maximum" used car with CASCO |
7000 000 rub. |
23% | 5 years | annuity | |
| car loan "Preferential" new car with CASCO |
7 000 000 rub. |
20,5% | 5 years | annuity | |
| car loan "Preferential" used car with CASCO |
7 000 000 rub. |
22,5% | 5 years | annuity |
The exact interest rate on loans from Ak Bars Bank depends on many factors: term, security, number of guarantors, etc. For car loans, you can add to the list the amount of the down payment (the higher the contribution, the lower the rate), the availability of CASCO, the category of car (new or used), etc. Therefore, you need to carefully fill in the fields when calculating the monthly payment in the consumer loan calculator of AK Bars Bank.
Mortgage and mortgage calculator AK-Bars bank
The list of mortgage programs of the bank includes 9 loans intended for different categories of borrowers. There is a mortgage with maternity capital, a special loan under the program "Providing housing for young families in the Republic of Tatarstan", loans with state subsidies, etc. Let's look at the conditions for all programs in the table:
| Name mortgages/ parameters |
Min amount | Max amount | Rate in per annum |
Min term |
Max term | Initial contribution |
|---|---|---|---|---|---|---|
| "Simply brilliant" | 300 000 rub. | Depends on the creditor. client | 14,4% | 1 year | 15 years | 40% to 70% cost |
| "Megapolis" | 300 000 rub. | - | 14,9% | 1 year | 20 years | 20% to 70% cost |
| "Comfort" | 300 000 rub. | - | 14,9% | 1 year | 20 years | 40% to 70% cost |
| "Perspective" | 300 000 rub. | - | 15,9% | 1 year | 20 years | From 20% to 70% of the cost |
| "Perspective Plus" | 300 000 rub. | - | 14,9% | 1 year | 20 years | From 20% of the cost |
| "AK-Bars Business" | RUB 500,000 | RUB 10,000,000 | 17% | 1 year | 10 years | From 40% to 70% of the cost |
| "Providing housing for young families in Tatarstan" | 100,000 rubles, and in rural areas - 30,000 rubles. | - | 14,5% | 1 year | 20 years | From 10% to 90% of the cost |
| "Maternal capital" | 100 000 rub. | RUB 429,400 | 17% | 1 month | 6 months | - |
| Mortgage with state subsidy | 300 000 rub. | RUB 8,000,000 for Moscow, Moscow Region and St. Petersburg. 3,000,000 rubles for regions | 11,8% | 1 year | 30 years | - |
To apply for a mortgage product of AK Bars Bank, the following documents are required:
Ways to repay a consumer loan in AK-Bars Bank
The bank offers several ways to pay off debts to its clients. The simplest is the automatic debiting of funds from a debit card, which is issued at the conclusion of a loan agreement. For timely repayment of the loan, it is enough for the client to replenish the card balance the day before the next payment date. Also, the borrower can choose another payment method from the list:
- Cash at the bank
- Cash at cash points and ATMs with the Cash in function
- At ATMs with a bank card
- By bank transfer according to details
- Via internet banking or mobile banking
Penalties for late monthly payments
For the delay of the next payment, AK Bars Bank charges penalties in the amount of 0.1% of the amount of the overdue debt. The bank also provides for a one-time penalty in the amount of 10% of the amount of the loan issued in the following cases:
- The penalty is charged if the borrower did not notify the bank about the change of address, personal data, etc.
- In case of misuse of credit funds, if the loan was targeted, etc.
The loan calculator of Ak Bars Bank can calculate a loan, find out the interest rate and lending conditions for today for individuals. Do you want to take a consumer loan from Ak Bars Bank in 2019? Use the free loan calculator from the official website to calculate the loan! Cash loans are available through the bank's branch network. Choose one of the options for consumer loans and evaluate how profitable and convenient it is.
The loan repayment calculator will help you calculate online:
- payment amount with interest
- payment amount for loans with early repayment,
- payment amount for loans with partial early repayment.
You can also view, download and print the calculation result with a monthly payment schedule.
Lending terms
- Purpose of the loan for personal consumption
- Loan currency Russian rubles
- Min. amount of credit 30 000
- Max. amount of credit 5,000,000 if you receive a salary in a bank account
- Credit term from 3 months to 5 years
- Issuance fee no loan
- Loan security not required
Interest rates
- Special conditions- if you receive a salary or pension in a bank account from 12.9% to 18.9%
- General terms from 13.9% to 19.9%
The mortgage interest rate section is updated weekly.
Enterprises and organizations are participants in salary projects, and their employees are owners of salary cards, which simplifies loan processing.
The loan calculator will calculate:
- for payroll card holders,
- for natural (private) persons,
- for pensioners,
- for legal entities,
- for IP.
The conditions for granting a loan depend on the purpose of the loan, the goals of the borrower and determine the necessary package of documents for the borrower.
Loans can be taken:
- cash,
- for small business development
- to buy a car (for a car),
- to buy a home,
- for building a house,
- for refinancing,
We wish you a pleasant calculation and the most favorable conditions.
Ak Bars Bank has been providing consumer loans since 1993 and is one of the top ten banks in Russia in terms of servicing retail clients. The bank's network includes 43 branches and 211 offices in Russia.
Bank depositors with a positive history and payroll card holders can participate in the Loyalty Program with a discount on consumer loans up to 1.5% per annum.
Vyberu.Ru loan calculator is a simple and convenient service that allows you to make a calculation in a matter of minutes. For this you need:
- enter the required amount and select the currency of the loan,
- choose a convenient repayment term,
- add your preferred interest rate,
- choose a payment scheme - annuity or differentiated,
- Click "Calculate Costs".
The system will automatically make all the calculations according to the indicators you set and display the payment schedule on the page. In it you will see the amount of the monthly payment, also divided by the amount of the principal debt and the amount of accrued interest, as well as the balance of the debt for each period.
The graph can be saved in any format convenient for you - PDF or Excel, as well as immediately printed using a printer. In addition, Vyberu.Ru will select suitable offers for you, taking into account your calculation: click "Select a loan", and all offers from Moscow banks that meet your wishes will appear on the page.
An important point when using a loan calculator is that the schedule you get may differ from what the bank will offer. The fact is that the terms of the loan are individual for each borrower. For example, you may be offered a slightly higher rate if you do not meet any requirements of the bank - for example, do not have a certificate of income. In order to find out the exact amount, you need to contact a bank specialist and give him all the necessary information for the calculation. Using the loan calculator, you can pre-calculate the approximate costs and decide on the choice of a consumer loan.
Loan calculator Ak Bars Bank will allow you to schedule monthly payments in accordance with the stated requirements.
The head office of Ak Bars Bank is located in Kazan, Tatarstan. Branches are present in 32 districts of the country. The bank provides all types of services, customer credit is one of the important areas.
Those customers who already have a positive experience of bank loans, as well as payroll card holders, are provided with additional discounts on loans. The discount can be from 0.3% to 1% compared to standard rates.
Loan terms vary from one to 5 years, the range of stated rates depends on the amount, availability of a life insurance policy and term.
Types of consumer loans of the bank:
| Name | Bid | Max. term | Maximum amount |
|---|---|---|---|
| consumer credit | from 17.7% | 5 years | Limited solvency client |
| AK BARS - 100+ | from 16.9% | 5 years | 1 million rubles |
| AK BARS - 500+ | from 12% | 5 years | 1 million rubles |
| Preferential | from 16% | 5 years | Limited solvency client |
| Ak Bars - Pension | from 13.5% | 5 years | 200 thousand rubles |
| secured loan real estate |
from 17% | 5 years | Limited solvency client |
| Ak Bars - Prestige | from 16.5% | 5 years | Limited solvency client |
| Credit for holders "salary" card of the Bank |
from 12.5% | 5 years | Limited solvency client |
Ak Bars Bank Consumer Loan Calculator:
Until recently, it was believed that only direct contact with the bank is the only way to accurately calculate the loan. Today, in the digital age, it is possible to pre-calculate a loan online using a home computer or smartphone. Yes, before applying for a loan
in AK Bars Bank, the calculator will provide you with the opportunity to estimate the overpayment in advance, taking into account all possible types of commissions, as well as recalculation when repaying the loan ahead of schedule.
We recommend filling out the AK Bars Bank loan calculator in stages. The first cells: amount, term and interest rate of the loan. The latter can be either fixed or variable, it all depends on the terms of your loan agreement. We also draw your attention to the possibility of introducing an interest rate using a comma. You are taking between annuity and differentiated type of payment.
As a rule, unless otherwise provided by the loan agreement, the loan is repaid on the same dates of the month. Specify a payout start date and the calculator will automatically set that as your monthly payment date. Pay special attention to commissions. They are listed collectively.
If you don't have information about your loan fees, leave the boxes blank. The loan calculator will calculate without taking them into account, but we recommend that you do not neglect these cells, because commissions are as much an integral part of the loan as the interest charge.
The calculator option “First payment only %” is necessary for persons who have the corresponding condition in the contract. If this is not your case, ignore this button. Click on the button “ Calculate” and proceed to familiarize yourself with the loan repayment schedule of AK Bars Bank, the calculator will transfer you to the calculation screen automatically. Before you is a table containing general information about the loan and overpayment on it, as well as a detailed schedule of monthly payments. Each payment is divided into components: the main credit debt, the percentage premium and the commission. Pay attention to the buttons located under the calculation results: print, send by e-mail, export to excel or get a link. Choose what suits you.
The loan calculator of AK Bars Bank has the function of calculating the repayment of the loan ahead of schedule. If you want to schedule one or more early payments, go back to the calculator and click on the “ Loan repayment ahead of schedule". Specify the amount, term and frequency, click the “ Add” and close the early redemption panel.
Press again Calculate” and you will notice that additional lines have appeared in the graph. This is your early payment. The physical principle of calculation when using them is significantly different, and this affects almost all credit indicators.
Loan programs of AK Bars Bank
As of 2018, AK Bars offers the population a full range of loan products. The requirements for the borrower are generally accepted: an individual between the ages of 21 and 65, who has the citizenship of the Russian Federation and an official source of income. It is also necessary to have a permanent registration in the region where AK Bars is present. If you belong to this category, we suggest that you familiarize yourself with the bank's loan programs.
A consumer loan in AK Bars involves cash in the amount of 100 thousand to 2 million rubles with an interest rate of 11 to 20 per annum. It does not require collateral and guarantee and is issued for up to 7 years. Special attention deserves the service of AK Barsa for collective life and health insurance, which reduces the interest rate on a loan by 3%.
Mortgages are issued by AK Bars Bank for the purchase of housing in new buildings and in the secondary market. Regardless of the object of the mortgage loan, the interest rate starts from 9.5% per annum. Also, this condition does not depend on the size of the down payment and the term - up to 25 years with a down payment of 10 to 80% of the property value.
Refinancing of loans from other banks in AK Bars is carried out on the terms of a consumer loan. The service of collective life and health insurance is applied in exactly the same way.
Separately, it is worth noting that individual interest rates on loans are valid for holders of the salary card of AK Bars Bank. The calculator is suitable for calculating all the specified loans. Find out the real cost of the loan service provided by AK Bars.