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“ORGRESBANK”, JSB, opened the Centre of hypothec crediting, a universal retail branch specializing in granting of hypothec credits to private persons. Address of the new branch is Butyrsky Val, 52, opening hours: from 10 a.m till 10 p.m., Monday through Friday. In 2 months the office will be servicing the clients on week-ends, too. Telephone number: (495) 662-11-55. The new branch allows to grant the Bank clients more convinient service and considerably save time. In the Centre of hypothec crediting one can find all necessary procedures for receiving a hypothec credit, from negotiations with a bank manager and filing the application up to conclusion of the contract. There are 5 meeting rooms for clients, 4 telerr’s windows, individual safe boxes, ATM with cash-in function available around the clock and other adavntages of a universal retail office.
Today “ORGRESBANK” offers hypothec credits for purchase of an apartment, country-houses, land plots on the security of available immovable property, as well as opportunity of refinancing of other loans. From 2007 “ORGRESBANK” has not changed the interest rates for hypothec credits. Currently they make up from 9% per annum in USD and from 11% per annum in Roubles. The credits are granted for a period of up to 25 years. In determination of limit all sources of income of the borrower are taken into consideration, the client may choose the type of payment: differentiated or annuity. If one chooses a differentiated type of payment, the credit can be repayed ahead of time without penalty measures and limitations.
In the new office one can be granted not only the hypothec credits, but also automobile and consumer credits, make payments under current obligations and use other bank services.
Opening of the Centre of hypothec crediting was a regular step in the development of retail business as one of strategic direction of the bank activities.
As of January 1, 2008, the hypothec portfolio of the Bank made up 2 Mld. Roubles, and total retail credit portfolio exceeded 3,8 Mld. Roubles and the growth of the latter from the beginning of the year made up 375%.
In 2008 the Bank continues development of retail crediting, namely, in March the programme of population crediting for purchase of aprtments in newly-erected buildings is launched.