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Raiffeisenbank has reduced its interest rates on consumer loans and is once again offering loans to clients with an unconfirmed income

Raiffeisenbank has updated its consumer lending terms and reduced its interest rates on Personal Loans by 3-4%.

Now the Bank is offering 1 to 5 year loans from 91,000 to 750,000 roubles at 14.9% per annum if the borrowers income is confirmed by a 2-NDFL Certificate. No pledge or third-party guarantee is required.

Raiffeisenbank is also giving borrowers the opportunity to confirm their income using a form approved by the Bank. In this case, loans may be issued from 91,000 to 450,000 roubles for 1 to 5 years at 14.9% per annum. No pledge or third-party guarantee is required.

Raiffeisenbank compares favourably with its competitors in terms of the wide range of services and loan products offered that are regularly updated to comply with the needs of our clients, said Andrey Stepanenko, a Member of the Board, and Head of Raiffeisenbanks Head of Retail Private Individuals Directorate. Amidst the unstable conditions that prevailed on the Russian banking market before, we could no longer give borrowers the option to confirm their unofficial income despite the fact that in previous years we had a very positive experience with this. Now we are pleased to once again offer our clients the option to confirm their real income.

New Personal Loan tariffs have been introduced simultaneously in all the regions in which the Bank operates.

For further details on the conditions and benefits of Raiffeisenbanks consumer loans, please go to the Unsecured Loans section.

ZAO Raiffeisenbank is a subsidiary of Raiffeisen International Bank-Holding AG. Raiffeisenbank is ranking 9th in terms of assets among the Russian banks based on 2009 results (Interfax-CEA). According to Interfax-CEA, ZAO Raiffeisenbank ranked 5th in Russia in terms of private deposits and 8th in consumer lending in Russia based on 2009 results.

Raiffeisen International operates one of the largest banking networks in CEE, covering 17 markets across the region through subsidiary banks, leasing companies and a range of other financial service providers. The groups nearly 56,500 employees service around 15.1 million customers via more than 3,000 business outlets. Raiffeisen International is a fully-consolidated subsidiary of Raiffeisen Zentralbank Osterreich AG (RZB), which owns about 70 per cent of the common stock. The remainder is in free float, with the shares listed on the Vienna Stock Exchange. RZB is a leading corporate and investment bank in Austria and the central institution of the Austrian Raiffeisen Banking Group, the countrys largest banking group.


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