Every eighth metropolitan middle class, if you do not have enough money to buy, took them from the bank. Get a loan today is not easy, but very simple. Almost every self-respecting trade network several banks trying to attract customers for its numerous programs. But getting a loan, the customer is often faced with an unexpected problem - the banks seem to be doing everything possible to complicate the process of its customers return.
the first time a decision who to take the credit, the client takes on the basis of several parameters. Key - the interest rate and term of the loan, simplicity and efficiency of its receipt, as well as the reputation of the bank. But recently customers are increasingly beginning to pay attention to the culture of service. According to research company COMCON-Media, this aspect, which is a constant part of a good infrastructure, is in the six most important factors influencing the decision to a potential borrower to purchase on credit. About 8% of the surveyed metropolitan middle-class focused on him. Moreover, the importance of this factor increases when the borrower thinks hard to get another loan.
"In the first stage, the bank most of the clients drew attention only in financial terms, - says head of department of credit cards Guta Bank Vladimir Buchenkov. - But, faced with queues at branches and inconvenient for a schedule of work of offices, customer begins to pay attention to the fact how easy it is to repay a loan. " Indeed, the loan borrower is not more than once a year, and debts have to give monthly. Is easy prikinut how long it takes the procedure, if a bank does not create the necessary infrastructure. "In my opinion, the simplicity of the loan is very important - I am sure the Deputy Chairman of the Board of MDM Bank, Irina Bushev. - When the client receives a loan in the shopping center, but it can only pay in one office of the bank, naturally, you need to spend a lot of time to process the return. "
In turn, the infrastructure becomes a competitive advantage for the bank, which he uses in the fight for the customer, already has experience of the borrower. For example, the Sberbank loans granted bail and the application procedure can be spread out over several days. But the bank has the most developed infrastructure, and one of its offices are usually located near the house. And the only problem for a client who wants to return to duty, may become part of the window operatsionistki.
infrastructure allows Sberbank is not only a means to take their clients, but also to assist other banks that are unable to provide comfortable conditions for their borrowers to repay the loan. Unfortunately, many banks, particularly the participation of foreign capital rushed into consumer loans, did not establish the necessary infrastructure. Therefore offer their customers to transfer funds through other lending institutions. Naturally, this results in additional costs. Repayment of the loan through the bank entry in the penny and the cost of 30 rubles to 3% of the transfer amount.
Are banks (for example, "Home Credit and Finance Bank"), which return the debt without additional costs is almost impossible. Even in his Moscow office in a single loan the bank will charge a commission - 60 rubles. Although the logic of HKF understandable - having a solid portfolio of loans to individuals and only one office, the bank simply does not want to create in the pandemonium. And proposes to repay the loans alternative: transfer from another bank (with the exception of Commission partner banks) or through one of the 450 offices of "Mail of Russia". Last gladly give your money to the recipient, taking it for 1% commission. Postal services can benefit customers and the bank "Russian Standard". This is especially true for inhabitants of regions where the bank grants loans to, and does not have sufficient infrastructure. Metropolitan residents as "Russian Standard" offers the opportunity to repay the loan at no additional cost, through operkassy and affiliates, as well as ATM technology with cash-in, working around the clock. Also, regardless of time of day to take payments through ATMs of Citibank, Raiffeisen Bank, Alpha Bank, Bank of Moscow, MDM Bank, Guta Bank and others. This way the loan is not only convenient, but also teach clients to ensure that the card is the key to managing your funds. Also, using the card at no additional cost through a network of terminals self "Eleksnet" repay the loan may DeltaBank clients and the bank "Zenith".
Source: Proceedings of the
