Ao "Kommercheskiy Bank Del'takredit"

Very dissatisfied with the bank. They took a mortgage in 2019. Relations with the current situation in the country. They wanted to take a vacation. Provided a certificate of lowering the income of the spouse (I co-creator) And the certificates requested by the employee. We have been doing this since 03/28/20. As a result, we decided to contact the bank. 12.04. 20 brought and wrote all the certificates that are needed already in the bank. The employee said that everything is ok, then no papers are needed, wait for the call. They called on 04/15/20. and they said that everything was in vain, some kind of legislation had changed, certificates were needed again, 2 personal income tax and my spouses, plus a couple that we had no other real estate. We cannot do this in connection with this situation, accounting does not work, not with my spouse. Dragged to the last. There is no way to pay the next 2 months. Irrigation to customers is terrible. Contacted Alfa Bank, approved the refinancing.

I really do not advise. Initial acceptance of documents and approval of a mortgage is very convenient. Attitude towards the customer is a big minus. Organization of the process is another big minus. 1. On the transaction, the manager with whom you spoke was not present. He doesn’t remember the questions that he was asked by phone. No one is responsible for their words (telephone answers). Help for repaying a loan mat. Capital paid! The manager on the deal was waited 30 minutes, until they themselves called another manager. Didn’t understand anything? )) Be prepared for the fact that you also do not understand anything on the transaction))

Strange organization of the sale of apartments. You are handed over from a manager to a manager, which of them is not clear what to do, they are abandoned halfway, and at the end of the transaction there are no managers, they need somewhere to look for and clarify final questions. And at the same time the answers are: "Oh, Catherine should have told you that", "Oh, well, Angela should have said that." Who is Catherine for me, and who is Angela ?? How do I know how they divide responsibilities between themselves? The difference with Sberbank is huge. In Sberbank, one manager, conducting a deal from start to finish, does not send you like a soccer ball to that place.

DeltaCredit Bank has a convenient way of making payment on the loan. To do this, only a VISA / MasterCard card of any Russian bank and Internet is needed. The payment is made through the private office, the money comes as a rule on the same day, if it is a worker. There is a small commission, but for me it's better than letting the loan overdue. Plus, you do not need to go anywhere. If you want to pay without commission - the Rosbank card is in your hands. On it you can make an auto payment - and not know the worries. But if you decide to repay the loan faster, then only through a statement to the bank.

A very long time decided on a mortgage, in the end of a considerable number of banks received approval in DeltaCredit. Brought at the beginning of last year at 10% per annum (and now in general you can take 8.75). Others read the reviews, including those that are alarming, but we were satisfied with the work of the bank's employees. The first time the documents were examined in a few days, and when they went to the deal, the procedure took less than an hour, one inaccuracy had to be corrected. Now almost two years in his apartment, we pay for our own square meters. We plan to finish with the loan by the end of next year. Again, I've heard all about the early repayment. I hope there will not be any difficulties.