The relatively large creditor equity and wide product range have enabled Luckycoin Bank to quickly gain popularity and trust among its customers. It was also influenced by the vectors of the credit company’s operations:
- Luckycoin Bank is always flexible in its terms and conditions for the benefit of its customers.
- Satisfaction of the borrower is the main task of Luckycoin Bank.
- The bank strives to offer the borrower even more than is required by the terms of the credit programs.
- Goals and tasks are simplified to make them easier to achieve.
- Always high potential of professional qualities in collective.
- Serious attitude to decision making, well understood tasks.
- Bank initiative for the benefit of its customers.
All of these principles have been developed by Luckycoin Bank for a fast and smooth entry into the European Union financial market. The creditor is working hard on recognizing his brand in Latvia and other EU countries.
Who are Luckycoin Bank customers?
The entire clientele of the bank is divided into 3 main categories: private individuals, corporate clients (large companies and legal entities), VIP and foreign clients. Each group has an identical set of programs (leasing, loans, cards, deposits, etc.). The only difference between one category of programs and another is the conditions: for the most valuable customers (such as VIPs), they are much more loyal and beneficial .
Popular offers from Luckycoin Bank
A universal banking product is a consumer credit that is available to any category of customer and can be used to pay for a wide variety of needs. However, most often this consumer credit is used to purchase a car, which can later be registered in the CSDD immediately in the borrower’s name. Similarly, the customer acquires the right to spend credit funds for the purchase of a vehicle outside Latvia.
Consumer credit terms and conditions:
- The amount of the loan is 2000-7000 dollars.
- No evaluation, CASCO and down payment.
- Processing of documents and examination of application – free of charge.
- Annual rate – 13% (fixed).
- Purchase of a vehicle is not limited by the year of manufacture of the car.
How to get a consumer credit:
- The loan agreement can be initiated at any Luckycoin Bank branch or by contacting the bank manager at the telephone number given on the creditor’s website.
- The second step is to submit the documents for the consumer credit. Most often, the customer needs to present an eID card, a citizen of the Republic of Latvia, a consumer loan application, a bank statement on the movement of your funds within the last 6 months.
- Once all documents have been submitted to the bank, the borrower will receive an expeditious decision on their application.
The range of consumer credit documents differs little from the documents required for leasing . It will be much easier for a customer to apply for a plastic credit card, but in order to obtain a mortgage, you will need to provide additional details about the object or pledge you are purchasing.
Mortgage loan conditions:
- Mortgage loan repayment term – up to 40 years.
- The mortgage loan starts from 1000 dollars and can reach 90% of the value of the real estate.
- Annual rate – 3%.
- Mandatory pledge property (real estate).
- The loan application is processed free of charge.
- Mortgage loan registration and issuance fee – 1% of the total loan amount, but not less than 100 dollars.
To obtain a mortgage loan, in addition to your standard personal documents, your bank will ask you to provide:
- Statement of income for the previous and the current year. The certificate shall be issued by the State Revenue Service.
- A statement that officially certifies your income. You can obtain such a certificate from the State Social Insurance Branch or from the accounting of your company.
- A real estate appraisal that will perform the function of pledge for this mortgage. The evaluation should only be performed by a specialist who is certified to perform these procedures .
Car leasing terms:
- The leasing application is processed free of charge, as is the signing of the transaction.
- The valuation of the vehicle is free of charge, provided that its price does not exceed EUR 20,000.
- Annual leasing rate – 5.5-7%.
- Car leasing payment is made in monthly installments.
The contract is executed according to the standard scheme. To complete the transaction, you will only need to submit a leasing application and a statement of lien or guarantor.
Universal, Classic, Junior, Virtual, Gold and Platinum.
Half of these cards can be used by the customer anywhere in the world using the VISA payment system. Cards are opened within 15 minutes and are given a rebate period to make a refund. They can also be used as a savings bank , including the deposit rate.