Khanty-Mansiysk Bank is a financial institution with more than 20 years of experience in the field of lending to the population. The bank is full of diverse offers. Clients can apply for a mortgage, including with the condition of state support. Consumers are given the opportunity to choose one of many credit cards with different designs and various bonus programs. Customers can also take advantage of favorable consumer loans for various needs.
A financial institution successfully works not only with private clients, but also with representatives of all forms of business. The bank has several deposit programs. You can invest in the short and long term at a profitable interest. Bank Khanty-Mansiysk Bank constantly offers new promotional offers with reduced credit or increased deposit rates.
One of the few financial institutions in its sector offers the issuance of credit cards of all formations for free. Other banks will have to pay at least 200 rubles. For cash withdrawals at ATMs you will have to pay 3% of the amount. General terms:
The maximum credit limit is 1 million rubles.
The grace period is almost 2 months (55 days).
The rate is within 29% per annum.
Only salary customers of the organization or consumers who have money on deposit can count on the maximum credit limit on the card of the Khanty-Mansiysk Bank. You can get 1 million rubles with MasterCard Gold cards. However, a financial institution provides an opportunity to obtain a credit limit on individual conditions with a Platinum card with a connected Visa payment system. The size of the loan is discussed personally with the client.
The bank offers 3 basic tariff plans, one of which will include a customer card:
Basic for 99 rubles.
Optimal for 299 rubles.
Premium for 2000 rubles per month.
Khanty-Mansiysk Bank offers to issue one of the cards online or at the nearest branch of the organization. But initially you should decide on a tariff plan. There is no service cost for all products if the client meets the minimum requirements.
In order not to pay 2000 rubles for servicing the Premium card, the holder must have an account balance of 300 thousand rubles and spend at least 45 thousand rubles on purchases and transfers this month. Of course, in the Basic tariff we are talking about smaller amounts - the balance should exceed 30 thousand rubles, and the minimum amount of expenses - 15 thousand rubles.
What do they pay in the premium rate:
Concierge service, personal manager, VIP service are provided to customers.
The card holder of the Khanty-Mansiysk Bank has the right to transfer to the airport, legal support, a special rate for currency conversion.
There are no such advantages in the Basic tariff.
In addition to the general advantages, customers can receive additional bonuses in the form of income for the remainder, miles, cash-back and additional cards for free. Of course, the more prestigious the tariff, the more advantages it has. For example, “Autocard” can be issued subject to the inclusion of any tariff, but the distribution of bonuses will be carried out as follows:
For the Base tariff, a cash back of 2% is provided for payment of services at any gas station in the world.
The Khanty-Mansiysk Bank, within the framework of the Optimal Tariff, offers a refund of 3% for refueling. There is a charge of 6% on the balance of the account.
Premium card holders can expect a 5% return and 6.5% accrual on the account balance.
In the first two tariffs, the bank set a fee for SMS-informing in the amount of 59 rubles per month. In the elite program, account information is provided for free.
In approximately the same way as for “Autocard”, bonuses are distributed among other products of a credit institution. For example, in the framework of the card connected to the Aeroflot program, 1.35 miles for every 50 rubles spent will be credited in the Optimal rate. The Khanty-Mansiysk Bank card in the Premium tariff allows you to save 1.65 miles for the same amount.
The management of a financial organization cares not only about its customers, but also about those who may really need financial assistance. Deductions from all expenses on cards to the Charity Fund are 0.3% for the Basic, 0.4% for the Optimal and 0.5% of the Premium tariffs. The client spends money - the bank transfers a small amount to the Vera fund.
A financial institution offers mortgage lending on favorable terms. The bank has more than 10 programs; you can familiarize yourself with the conditions for a mortgage in the Khanty-Mansiysk Bank online, directly on the organizations website. Credit institution offers:
Buy an apartment in a new building or in the secondary market.
Get a loan subject to state support at a reduced rate or with the participation of maternity capital.
The minimum rate is 11.2% per annum, the term for which you can apply for a loan reaches 30 years, and the maximum amount reaches 30 million rubles for Moscow and the Northern capital, as well as 15 million rubles for the regions.
A loan is not possible without a down payment of at least 20% of the value of the property. Khanty-Mansiysk Bank makes very loyal requirements for borrowers. Age - from 21 to 65 years at the beginning and end of payments, respectively. Minimum length of service is 3 months at the last place of work. It is possible to attract co-borrowers. Of course, you must provide proof of solvency in the form of a statement of income. The collateral for the loan is the acquired property. The Bank provides refinancing services for loans issued at other financial institutions with a minimum rate of 13% per annum.
Bank Khanty-Mansiysk Bank offers several deposit programs. The most favorable rates in the deposit "Comfortable-Online". Customers are asked to choose a specific period - 111, 222 or 333 days. In the first case, the rate will be 8.5%, in the second - 9%, in the third - 9.5% per annum. Under this program, users can replenish, but there is no possibility of early withdrawal of funds.
For customers who know that it is impossible to keep all their savings in one currency, the financial institution offers a “multicurrency” deposit. Under this program, funds will be stored in rubles, dollars and euros. On the website of the Khanty-Mansiysk Bank online, you can see the current rates. As of the end of July 2016, 8.45% for rubles, 1.55% for dollars and 0.10% for the euro are in effect. The minimum deposit period is just over a year - 370 days. It is also possible to replenish the account in this program, but withdrawing funds ahead of time is prohibited.
The Bank has developed the program “Pension deposit”, in which the rate is 8.45%, there is the possibility of replenishment and early withdrawal of funds in case of force majeure situations.
The management of the financial organization continues to work on creating profitable credit and deposit programs. The Khanty-Mansiysk Bank has withstood a series of economic crises, which means that the institution can be trusted with its money without fear of bankruptcy.