Bank Gazprombank: feedback from employees and customers

Gazprombank is a large universal Russian bank. It can offer a wide range of banking products and services to individuals and legal entities. It is among the main financial institutions in the country and constantly confirms the status of a systemically important bank in the rating of international agencies in all its indicators. A commercial institution serves the leading sectors of the economy of our country. Gazprombank's clients are more than five million individuals and about forty-five thousand legal entities.

Reviews of leasing at Gazprombank point to a number of advantages:

  • the use of international leasing practices;
  • individual approach to the client;
  • high quality service;
  • joint programs of work with suppliers, special offers;
  • competitive rates; access to international capital.
credit card gazprombank reviews

The current position of the bank

Currently, Gazprombank participates in the capital of banks located in our country, the Republic of Belarus, Switzerland and Luxembourg. The Bank has offices in Kazakhstan, China, Mongolia and India.The regional network in Russia is represented by twenty branches. The total number of branches providing services to customers exceeds three hundred and fifty. Gazprombank is a member of the National Committee of our country at the International Chamber of Commerce.

Work in a bank

Work in a bank

The bank currently employs more than six thousand people. Two thirds of the entire state is involved in regional offices of the country. According to reviews, work in Gazprombank brings material stability and professional development. What is needed to become an employee of one of the largest financial institutions in the country? The requirements for candidates are as follows:

  • Higher education.
  • Initiative and purposefulness.
  • The ability to quickly make the right decisions and take responsibility for them.
  • Experience at least three years.
  • Skill to work in team.

According to feedback from employees, Gazprombank is pleased to see in its team highly qualified specialists who want to work and develop rapidly in the following areas:

  • customer service;
  • Management of risks;
  • analysis;
  • investment activities;
  • project financing;
  • Management Accounting;
  • innovative technologies.

To consider the candidacy of an applicant for any vacancy, you must send a resume to the bank by e-mail or through the form on the official website of the institution.

Contributions

Negotiations with customers

The business of servicing private clients is one of the fundamental areas of operation of the credit institution Gazprombank. According to customer reviews, the scale of attracting funds from individuals is increasing today at an increasing rate. Customers are provided with a full range of services: deposits, cards, and so on.

In a review about contributions to Gazprombank, there are three main groups: “Save,” “Accumulate,” and “Manage.” At the moment, the financial institution offers thirteen options for placing deposits in rubles, which differ from each other by the rate, the minimum deposit amount, the term, the interest payment conditions, and the possibility of prolonging the deposit.

Name Rate Minimum amount, rub. Term Interest payment Possibility of prolongation
Save On all 100 6,5 100 000 100 at the end of the term
Doors open 6,7 300 000 91
For the future 7 50 000 91
Saving 6,4 15 000 91-180 at the end of the year of storage / term Yes
Retirement savings 6,4 15 000 91
Investment income 8,1 25 000 91 at the end of the term
Savings and Protection 8,2 50 000 91
Accumulate For life 5,9 15 000 91-180 at the end of the year of storage / term Yes
Electronic 6,05 15 000 91 at the end of the term
Pension 5,8 100 181
To govern Business 4,8 15 000 91-180 at the end of the month / term Yes
Retirement income 4,6 500 367 at the end of the quarter / term
Poste restante 0,01 Created for prompt execution or receipt of payments by bank customers.

According to reviews of Gazprombank depositors, in the absence of operations on a demand deposit within two years and with a zero balance, the account is automatically closed. This type of deposit is used only for making payments.

Individuals leave the following reviews of deposits in Gazprombank:

Debit cards

Gazprombank works with many organizations in the framework of payroll projects. Organizations independently determine the type (payment system "World" or other international payment system) and the design of the cards issued by them.

According to reviews of Gazprombank, the main advantages are:

  • Free issue, reissue at the end of the service period of cards and their direct maintenance.
  • Zero fee for withdrawing cash in the network of Gazprombank ATMs and partner banks.
  • Cash withdrawal without restrictions.
  • Notification by means of messages on phone about all carried-out operations.
  • Voluntary participation in loyalty programs.
  • Allowing access to one card account of five different payment systems at once.
  • Card service security.
  • The possibility of lending on preferential terms for participants in payroll projects.

The campus card combines an internal identification card for admission to any institution and a settlement-debit card.

According to feedback from employees of Gazprombank, particular attention is paid to cards issued by a credit institution in conjunction with Russian Railways. Features of these electronic media:

  • Points are accumulated for rail trips.
  • Points can be exchanged for other services.
  • Students receive an additional twenty-five percent discount under certain conditions.

Under agreements with educational institutions, Gazprombank issues ISIC campus cards. The cards give you the opportunity to receive discounts and privileges in our and other countries. According to reviews, the Gazprombank card, issued under the ISIC program, is very convenient when purchasing tickets for all types of transport, paying for accommodation in hotels and making payments in catering establishments.

Credits

refinancing gazprombank reviews

Judging by the reviews about Gazprombank, a credit institution offers favorable conditions for all products of retail lending:

  • Mortgage.
  • Car loans.
  • Customer credit.

According to customer reviews, Gazprombank has developed an attractive program for lending to individuals on the security of a new car purchased from companies that are partners of the bank. The program conditions are as follows:

  • The down payment should be between fifteen and twenty percent.
  • The maximum period for granting a loan is seven years.
  • The minimum interest on the loan - 12.75.
  • The maximum loan amount should not exceed four and a half million rubles.

Let's see what the dependence of the minimum rate and the period of the loan:

Maximum loan term Minimum annual interest rate
From six months to a year 12,75
From one to three years 13
From three to five years 13,75
From five to seven years 14,75

According to customer reviews about Gazprombank loans, they are attracted by special credit conditions secured by a car:

  • The loan rate is increased by 0.5 percent if the client is not a member of the bank’s payroll project.
  • Credit conditions apply to the purchase of foreign cars from companies that are partners of the bank. If the conditions are not met, the loan rate is increased by 0.5 percent.
  • The terms of the loan are determined for each borrower in a special order. Credit institution may refuse to loan.

According to reviews of Gazprombank, there are attractive consumer lending programs in a credit institution. Program conditions are as follows:

  • The maximum period for granting a loan is seven years.
  • The minimum interest on the loan - 11.74.
  • The maximum loan amount should not exceed three and a half million rubles.

Below we give the dependence of the minimum loan rate and the period of the loan:

Maximum loan term Minimum annual interest rate
with security without security
From six months to two years 11,4 11,9
Two to five years old 11,4 12,9
From five to seven years 13,75 14,25

According to reviews of Gazprombank loans, individuals do not like additional conditions for granting loans for consumer needs:

  • The loan rate increases by 0.5 percent if the client does not receive wages on the bank card.
  • The loan rate is increased by 0.5 percent for borrowers who apply for a consumer loan not through the site of the institution.
  • The stated rate is valid subject to the contract for insurance of the risks of death and disability of the borrower. In case of refusal to draw up an insurance contract, the interest rate increases by one percent.

Special loan programs

Negotiations with partners

Gazprombank has developed special conditions for lending to certain categories of citizens. This is a consumer loan for working clients who are members of NPF GAZFOND. Program conditions are as follows:

  • The maximum loan period is five years.
  • The minimum interest on the loan - 11.9.
  • The maximum loan amount should not exceed two million rubles.

Below we give the dependence of the minimum loan rate and the period of the loan:

Maximum loan term Minimum annual interest rate
with security without security
From six months to two years 11,9 12,4
Two to five years old 11,9 13,4

There are additional conditions for working clients who are members of NPF GAZFOND:

  • The loan rate is increased by 0.5 percent, if the client does not have credits of a non-state pension to the bank card.
  • The stated rate is valid subject to the contract for insurance of the risks of death and disability of the borrower. In case of refusal to execute an insurance contract, the rate is increased by one percent.
  • The age of the person who receives the loan at the expiration date of the loan may not exceed sixty-five years.

Loan for current customers of the bank, who have a consumer loan. Terms of its design are as follows:

  • The maximum loan period is five years.
  • The minimum interest on the loan - 11.9.
  • The maximum loan amount should not exceed two million rubles.

Let's see what the dependence of the minimum rate and the period of the loan:

Maximum loan term Minimum annual interest rate
From six months to five years 12,4
From five to seven years 15,25

There are additional conditions for bank borrowers who already have a consumer loan:

  • The client must be a citizen of our country and have a permanent registration on the territory of Russia.
  • The borrower may be a person not younger than twenty years. The age of the client at the time of repayment is no more than seventy years.
  • The total work experience of the borrower is not less than a year. Work experience at the last job for at least six months. If the client is a participant in a payroll project, then the experience at the last place of activity must be at least three months.
  • The absence of a bad credit history from an individual.
  • The bank has the right to refuse a loan without giving a reason.

Gazprombank issues cash on the security of real estate owned by the client. The terms of the loan are as follows:

  • The maximum loan period is fifteen years.
  • The minimum interest on the loan - 11.9.
  • The maximum loan amount should not exceed thirty million rubles.
  • The loan rate increases by 0.5 percent if the client does not receive wages on the bank card.

Gazprombank has developed programs for the conversion of the following types of loans:

  • mortgage;
  • consumer loans;
  • loan secured car.

The currency of the current loan agreement must be foreign, and the currency of the contract after the conversion will be national.

The bank offers the following loan rates after conversion:

  • mortgage loans - twelve or twelve and a half;
  • consumer loans secured by real estate - thirteen or thirteen and a half;
  • other programs - at current rates.

General conditions for conversion:

  • exclusion of outstanding or violated conditions of current loans;
  • exclusion of data about the bankruptcy of the borrower.

Special conditions for the conversion of mortgage loans:

  • arrears are possible, but penalties are repaid;
  • lack of bank appeals to court.

Special conditions for the conversion of consumer loans:

  • no overdue debts;
  • the interest accrued at the date of conversion is redeemed to date;
  • lack of bank appeals to court.

Mortgage credit lending

According to customer reviews, Gazprombank offers the most convenient and attractive lending program secured by real estate in Russia today. The client has the opportunity to issue a loan for the purchase of ready-made or under construction housing. According to customer reviews, a mortgage in Gazprombank can be issued on very favorable terms if you have time to use the terms of existing shares:

  • Action "Nine percent". It is valid until the thirtieth of April this year. The interest rate is nine percent. Down payment on a loan - from ten percent. The maximum loan term is thirty years. Required registration of the insurance contract. Applications for the purchase of apartments in new buildings and apartments under construction with partners of a credit institution are participating in this promotion.
  • Share "9.2 percent." It is similar to the action "Nine percent", only in this case, applications for the purchase of housing in new buildings and in the secondary market are involved. According to reviews of Gazprombank, mortgage on the terms of the 9.2 percent share is in special demand from those who want to buy an apartment in the secondary market.
  • The action "Mortgage in one day." During the meeting, the client receives a decision on granting a loan on the next business day after the submission of the questionnaire with a full set of documents attached. The action is held in the regions of the location of bank branches. According to reviews of Gazprombank, mortgage on such conditions is in great demand among private clients. The conclusion of the contract is carried out in the branches of the bank during a personal visit.

According to reviews of Gazprombank, refinancing mortgage loans in this institution is very profitable.In more detail we will tell about it further.

Mortgage refinancing

According to reviews, Gazprombank currently offers mortgage refinancing on very favorable terms. The promotion is valid until the thirtieth of April of the current year. The interest rate offered by the bank when refinancing mortgage loans is only 9.2 percent. According to reviews, Gazprombank offers refinancing at such a low rate only on the condition that a insurance policy against the risk of death of the borrower or loss of ability to work is issued. The rate of 9.2 percent does not apply to cases of refinancing consumer loans secured by real estate.

So, refinancing is provided for:

  • repayment of the remaining debt on a mortgage loan provided by another commercial bank;
  • consumer purposes (repayment of debts on loans provided by another lender), but in the amount of not more than thirty percent of the amount of debt on refinanced loan.

Gazprombank refinances against the security of property rights to purchase real estate in objects accredited by the bank under the following conditions:

  • The term of the loan should not exceed thirty years.
  • The minimum loan size is half a million rubles.
  • Interest rate - 9.2 percent.

According to reviews of Gazprombank, refinancing loans secured by property rights is a unique offer in the retail lending market.

Gazprombank credit cards

Credit cards

According to customer reviews of credit cards, Gazprombank offers very favorable conditions for processing credit cards for participants in payroll projects. You can apply for a card issue via the form on the website of the credit institution.

Requirements for a borrower who wants to get a credit card:

  • The client must be a citizen of our country and have a permanent registration on the territory of Russia.
  • The borrower must receive a salary on the bank card.
  • The age of women to get a loan is from twenty to fifty-nine years, and men from twenty to sixty-four years.
  • The absence of overdue loans.
  • Availability of contact phone numbers.

Financial operations

Bank employees

The Bank has developed a product that meets the basic requirements of brokerage services for private investors when operating in the stock market:

  • Reliability of a financial partner at a high, confirmed level.
  • A complex of various solutions for investors in the stock market.
  • Quality service that meets modern standards.

According to reviews of Gazprombank, the investment income received by customers from operations in the market is high and stable. A detailed understanding of the features of investing allowed us to create a wide range of tools that allow any investor to find the right solution for themselves.

An individual investment account is a new modern instrument for savings with the possibility of receiving a tax deduction. The income of a private client who is an investor consists of two parts: investment income and tax deduction. Income is generated by investing the investor’s funds in securities in accordance with his wishes and preferences, respectively, in terms of income and permitted risk. For example, one of the most conservative options for generating income is to buy bank bonds, because they are paid fixed payments. Although the investor can purchase any other paper.A tax deduction allows an investor to receive either a deduction of a contribution of thirteen percent of the sum of four hundred thousand rubles in the form of a refund from the state budget, paid as income tax, or an exemption from investment income tax.

Gazprombank has a strong position in the financial market. He is one of the leaders in our country in the organization and underwriting of corporate bond issues in the sphere of banking services to private clients.

A credit institution has a base for carrying out various operations in the financial markets in the interests of its clients. The Bank provides such services as:

  • Translations.
  • Transactions on current accounts.
  • Dividend payment.
  • Depository services.
  • Operations with coins and bars.

Mutual funds

Negotiations at the highest level

Gazprombank has earned good reviews from the population, which has begun to actively look closely at its mutual investment funds. A financial institution helps not only to preserve, but also to increase the funds of private clients. The management company of the bank has been operating in the market for more than fourteen years and has already become one of the largest in the country.

Mutual investment funds differ in the ratio of profitability and risk:

  • "Bonds plus". According to reviews of Gazprombank, the program "Bonds Plus" is the most popular among mutual funds. A mutual investment fund has been created for conservative private investors who want to generate income higher than inflation rates and interest rates on deposits in a bank. Funds are mainly invested in bonds, including government.
  • "Currency Bonds". This mutual fund will suit private investors who are worried about the instability of the national currency. The funds are invested in Eurobonds, the issuers of which are Russian companies and the government of the country. The currency of the instrument is the dollar.
  • "Balanced". The mutual fund is ideal for people who want to minimize the risks as much as possible and invest profitably in different tools. Funds are usually sent by fund managers to purchase both bonds and shares of large domestic companies. This UIF is the golden mean between all funds.
  • "Gold". The price of gold depends on the dollar, respectively, investment in this unit investment fund will be able to protect the client from currency risks.
  • "World Food Basket". This UIF is unique.The management of the fund provides for investment in commodity investment funds abroad, the main activity of which is agriculture. UIF is relevant due to the instability in the global financial markets.
  • "MICEX Index". The dynamics of the index correspond to the dynamics of the MICEX fund, because asset management is directed at investing funds in the tools included in the calculation of the exchange base.
  • "Promotions". By directing funds to the management of the managers of this fund, the investor invests in shares of Russian companies, large and medium, which is associated with a high level of risk. The expected return is also at a decent level.
  • "Western Europe". By placing funds in this fund, the investor contributes to the economy of Western European countries. The investor distributes his funds, since asset management involves investing in various enterprises of twelve countries of the European zone.
  • "Fund for Developing Countries Markets". Asset management when purchasing this unit investment fund is designed for investing the funds of an investor in the economies of developing countries.
  • "Oil".Placing funds in this fund, the investor, as a rule, expects a steady increase in oil prices. For many, this can be an excellent investment for the future, because now oil is cheap, so you can buy a share at an attractive price and wait until oil rises in price.
  • "MICEX Index - electric power industry". The management of the assets of this unit investment fund provides for the investment of a private investor only in shares included in the calculation of the MICEX-electric power industry. The main advantage of the mutual fund is that it is designed for investment in the long term.

Fund managers to make the right decision not only analyze the specifics of the tools entrusted to them, but carefully study the feedback on companies that issue securities. Reviews about the management company "Gazprombank" there are different. Among the negative opinions there is a low level of service, a rather weak awareness of private investors and very high commission fees. Positive feedback is mainly related to savings on fiscal fees.

Results

Reviews of Gazprombank indicate that this financial institution successfully combines the features of a sectoral and universal bank.Gazprombank serves the gas industry in our country and at the same time offers a huge range of services for private and corporate clients. Financial organization is developing dynamically and demonstrates the stability of all indicators. The work of a professional team is focused on results, that is, on the development of a bank in financial markets. Employee reviews about Gazprombank characterize the institution as a reliable employer. The regional network of Gazprombank covers a significant part of the territory of Russia. This allows customers to receive the full range of quality banking services, regardless of where in the country they live or are. According to reviews of Gazprombank, in Moscow, all offices are located conveniently with respect to highways and public transport.

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