Repayment of a loan through an account with pjsc "rosbank" open for repayment of a loan from a bmw bank find out more. Repayment of a loan through an account with pjsc "rosbank" open for repayment of a loan from a bmw bank learn more Early repayment of a loan

BMW Bank is a subsidiary of the Austrian concern BMW Group BMW Osterreich Holding GmbH. The bank started operating in the Russian market in mid-2008. The only branch of BMW Bank was opened in Moscow.

BMW Bank in Russia is focused on the implementation of lending and insurance programs for the retail and corporate segments of the dealerships of the German car and motorcycle manufacturer. The main customer groups are car dealers and individuals interested in purchasing products from the German concern BMW.

According to the financial rating compiled in 2018, BMW Bank ranks 77th in the region in terms of assets and 76th in terms of the organization's net profit. It is included in the 1st league of the national rating of banks and ranks 26th with an average rating of 1.47 points.

On the website of the financial organization BMW Bank, customers can use a convenient remote service system: calculate a loan in the Loan Calculator service, pay off a loan, and obtain information on banking products in their online banking personal account. The main page of your personal account contains up-to-date information for a registered user:

• Information about the terms of the Credit Agreement and details for the fulfillment of obligations;
• Data on made and forthcoming loan payments;
• Amount of debt;
• Application for early repayment of loan debt, for changing the date of monthly payments under the loan agreement;
• Application for the provision of information.

To enter your personal account, you will need to register in the BMW Bank system and have a personal computer or mobile device with an Internet connection. The client should go to the main page of BMW Bank http://www.bmwbank.ru/ and click on "Go to Personal Account". In the online banking window that opens, enter your username and password, click "Login". For added security, the use of an electronic keyboard is recommended. To do this, in the corresponding line, click on the icon with the keyboard.

If the user data is successfully specified, the main page of the personal account will appear on the screen.

Registration of a personal account at BMW Bank

Registration of a new user in the BMW Bank online banking system occurs automatically when the loan agreement is signed.

During the initial authorization on the portal https://lite.faktura.ru/lite/app/, you must enter your account information and click "Login":

• User login: is the number of the Loan Agreement;
• Password: a one-time password is sent within 10 working days in an SMS message to the mobile phone number fixed in the loan agreement.

Personal account registration is completed. The system will offer to change the one-time password to a permanent one and save the changes.

Password recovery for BMW Bank personal account

If an error occurs "Login / password is incorrect for entering", the client must call the multi-channel hotline of BMW Bank 8-800-700-0269 (for calls within Russia) or +7-495-258-62-56 (for calls within Moscow) and leave a request to restore your account. The bank operator will ask clarifying questions for personal identification and will send a new one-time password in an SMS message to the mobile phone number registered in online banking. When you enter your personal account, you need to change it to personal.

Download BMW Bank mobile application

The official application of BMW Bank in Russia has not been developed. When entering a personal account on a smartphone or mobile device, the user can switch to the mobile version of the site and continue working in its adapted version. To do this, in the browser settings, first select "Display mobile version" and save the changes.

Free telephone hotline of BMW Bank

Multi-line customer support is available Monday through Sunday from 9:00 am to 9:00 pm. You can contact the following numbers:

• 8-800-700-02-69 - For calls within Russia;
• +7-495-258-62-56 - Moscow.

It should be noted that the payment for calls to the second telephone number is carried out in accordance with the tariff plans of the city operator in the region.

You can ask a question or express your opinion in a special form on the BMW Bank website. To do this, on the home page http://www.bmwbank.ru/ you need to go down to the bottom menu and click “Ask a question” or “Your opinion”, fill in the data and select “Send”. Information about the application process will be broadcast via the selected communication method.

The official community of BMW Bank is represented on the social network Facebook.

Early repayment is carried out at your written request.
The application must be completed at an authorized BMW and / or MINI dealership.
The application must be submitted at least 3 (three) business days prior to the proposed early repayment date of the Loan. The early repayment date can only be a business day.
The funds for early repayment must be deposited into your current account opened for repayment of the loan in the Partner Bank.

• Early repayment of the Loan is carried out upon your written application (in the form approved by BMW Bank LLC), which you can fill out and submit to the Bank through an official BMW and / or MINI dealership.
• The application must be submitted at least 3 (three) business days prior to your proposed early repayment date.
• The funds for early repayment of the Loan must be deposited into your current account opened with the Partner Bank no later than 13:00 (Moscow time) of the date of early repayment of the Loan proposed by you.
• The date of early repayment of the Loan can only be a business day in the Russian Federation.
• If, as of the date of early repayment you suggest, the balance of funds on your current account with the Partner Bank is insufficient to carry out early repayment in the amount specified in your application, the funds will not be debited.
• On the next business day after the date of your proposed early repayment of the Loan, you will be sent an SMS message with information about the successful or failed early repayment.

Features of partial early repayment

• In case of partial early repayment of the Loan, you can specify any repayment amount. The amount of early repayment specified by you, in addition to the amount to repay the principal debt, includes interest for using the Credit.
• The Partial Early Repayment Amount does not include the Schedule Monthly Payment and does not cancel out the Payment Schedule Monthly Payment.
• Recalculation of the Schedule of payments under the Loan Agreement without Residual Payment will be made according to the method specified by you in your application for early repayment.
• The payment schedule can be calculated in one of the following ways:
  a) The amount of the Monthly Payment does not change (i.e. it remains the same as it was defined in the current Payment Schedule under the Loan Agreement), but the date of the last Monthly Payment under the Payment Schedule changes,
  b) The date of the last Monthly Payment under the Payment Schedule does not change (remains the same as defined in the current Payment Schedule under the Loan Agreement), but the amount of the Monthly Payment decreases.
  In the event that you did not indicate in the application the method of recalculating the Payment Schedule, then the recalculation of the Payment Schedule will be performed according to method b), i.e. with a decrease in the amount of the Monthly payment, and the date of the last Monthly payment under the Payment Schedule does not change.
• Recalculation of the Payment Schedule under the Loan Agreement with Residual Payment can be recalculated only with a decrease in the amount of the Monthly Payment, while the date of the last Monthly Payment under the Payment Schedule does not change.
• Recalculation of the new Payment Schedule is carried out with a decrease in the amount of the Residual Payment in that percentage of the total outstanding balance of the Principal debt under the Loan Agreement, as this percentage was determined under the terms of the lending on the date of the Loan Agreement.
• After your proposed date of early repayment of the Loan, a copy of the current Repayment Schedule will be sent to the correspondence address specified when concluding the Loan Agreement.

Features of full early repayment

• In case of full early repayment, you need to contact BMW Bank LLC in the customer service department at 8-800-7000-269 to clarify the amount required for full early repayment, which you will indicate in the application.
• The amount of full early repayment consists of the entire outstanding balance of the Principal and interest for the actual use of the Credit.
• Until the date of full early repayment, the Monthly Installments must be paid according to the Payment Schedule.
  Please note that every day the amount for full early repayment changes due to the change in the amount of interest for the actual use of the Credit.

Loan repayment methods

Repayment of a loan issued in rubles Learn more

Repayment of a loan through an account with AO Raiffeisenbank,

1. Know the 20-digit number of the account in JSC Raiffeisenbank opened for repayment of the debt on the loan from BMW Bank, or the number of the bank card, if it is issued to the account.
2. Top up your account with Raiffeisenbank JSC, opened for repayment of debt on a loan from BMW Bank, before the date of monthly payment in the Partner Bank in any way convenient for you:

Cash Learn more

Cashier in a branch of JSC "Raiffeisenbank"

You can apply with a passport of a citizen of the Russian Federation to a branch of Raiffeisenbank JSC that is convenient for you

No commission

Payment terminals QIWI

QIWI System Tariff Commission

Payment system "Zolotaya Korona"

Commission for tariffs of the "Zolotaya Korona" system

The term for crediting funds to an account with AO Raiffeisenbank is three working days

With a card opened to an account with AO Raiffeisenbank to repay a loan from BMW Bank Learn more

If you do not have a Raiffeisenbank JSC card for repaying a loan from BMW Bank, then you can get it at the Raiffeisenbank JSC branches without commission. Get benefits

ATMs of JSC "Raiffeisenbank"

No commission

Terms of depositing funds - at least one business day before the date of the monthly payment

Credit Bank of Moscow terminals

No commission

Terms of depositing funds - at least one business day before the date of the monthly payment

ATMs of Gazprombank JSC

No commission

Terms of depositing funds - at least one business day before the date of the monthly payment

Transfer of funds from a third-party bank card

You can transfer funds from your bank card to the card of JSC Raiffeisenbank. Check with the third-party bank that issued your card about this possibility.

From an account opened with AO Raiffeisenbank

Transfer from any of your other accounts with Raiffeisenbank JSC via R-Connect or R-Mobile (Mobile application)

No commission

Terms - at least two working days before the date of the monthly payment

Transfer of funds from your personal account with another bank to an account with AO Raiffeisenbank.

Commission at the rates of your bank.

The order for transfer must indicate:

Purpose of payment: Transfer of own funds. Tax excluded (VAT).

You can also familiarize yourself with information on the terms of service and account replenishment on the website of JSC Raiffeisenbank

Repayment of the loan through an account with PJSC "ROSBANK",
open for repayment of debt on a loan from BMW Bank Learn more

To repay the loan you need:

1. Know the 20-digit Rosbank account number open to repay the BMW Bank loan.
2. Top up your account before the date of the monthly payment in the Partner Bank in any way convenient for you:

With a card opened to an account with PJSC Rosbank to repay a loan from BMW Bank Learn more

ATMs of PJSC "Rosbank"

No commission

Terms of depositing funds - at least one business day before the date of the monthly payment

You can deposit cash into the current account opened with PJSC Rosbank to repay a loan from BMW Bank through ATMs of Rosbank and partner banks, equipped with a cash acceptance function.

Bank transfer Find out more

From an account opened with PJSC "Rosbank"

From an account opened with another bank

Transfer of funds from your personal account with another bank to an account with Rosbank. Find out more

Commission at the rates of your bank.

Terms - at least three working days before the date of the monthly payment

The order for transfer must indicate:

Purpose of payment: Transfer of own funds. Tax excluded (VAT).

You can also find information about payment on the website of PJSC "Rosbank"

Transfer of funds from your personal account from any bank to the account of "BMW BANK" LLC Learn more

Commission at the rates of your bank.

Terms - at least three working days before the date of the monthly payment

To repay the loan you need:

1. Know the date and amount of the monthly loan payment according to the Payment Schedule
2. Know the number of the Loan Agreement
3. Contact the bank where your personal account is opened three working days before the date of the monthly payment

Purpose of payment: Transfer of funds to repay the loan under the loan agreement No. ___ Full name ___________ (in full) of the borrower. Tax excluded (VAT). Sample payment order

Free repayment channels in localities,

where there are no branches of PJSC Rosbank Learn more

Irkutsk region

Republic of Tatarstan

Republic of Kalmykia

Kaluga region

Krasnodar region

Krasnoyarsk region

Nizhny Novgorod Region

The Republic of Sakha (Yakutia)

Samara Region

Sakhalin Region

Tyumen region

Khabarovsk region

Yaroslavl region

Transferring funds from your personal account in foreign currency from any bank to an account with ROSBANK Learn more

Commission at the rates of your bank.

To repay the loan you need:

1. Know the date and amount of the monthly loan payment according to the Payment Schedule
2. Contact the bank where your personal account is opened at least five working days before the date of the monthly payment
3. Fill in the transfer form and be sure to indicate:

Loan repayment through a trusted person

If you want to repay a loan in foreign currency through an authorized person (third party), you need to issue a power of attorney to deposit funds into an account in a foreign currency.

To do this, you and your authorized representative must apply to the branch of PJSC ROSBANK with passports of citizens of the Russian Federation. The power of attorney for repayment of the loan through the Trustee is issued once for a period of up to 3 years.

Transfer of funds from your personal account in foreign currency from any bank to the account of "BMW Bank" Learn more

Commission at the rates of your bank.

Terms - at least five working days before the date of the monthly payment

To repay the loan you need:

1. Know the date and amount of the monthly loan payment on the Payment Schedule.
2. Contact the bank where your personal account is opened at least five working days before the date of the monthly payment.
3. Fill in the transfer form and be sure to indicate:

For loans issued in US dollars

For loans issued in Euro

BMW Bank LLC represents BMW Financial Services in Russia, which is the financial division of the BMW Group, and has been actively developing since 1991 as an international provider of car loan services. BMW Financial Services is currently represented in more than 40 countries around the world (in the form of credit institutions or leasing companies).

BMW Bank LLC started operating in Russia in mid-2008. The rapid growth in sales volumes of BMW Bank LLC is due to the most efficient use of the advantages that the status of a captive (owned by an automaker) bank gives, starting with the BMW Group's aspiration to be a leader in the premium segment of the Russian automotive market and ending with an operating model that allows a bank with a staff of all of 110 people for the third year in a row to be among the ten largest Russian banks in terms of the volume of car loans issued.

One of the main principles of work of "BMW Bank" LLC is an individual approach to each client, a convenient and simple procedure for obtaining a loan.

The activities of "BMW Bank" LLC are carried out in accordance with the license of the Bank of Russia No. 3482 dated June 10, 2013.

Basic lending conditions

VEHICLE / object of credit

• We provide loans to BMW and MINI cars / motorcycles. The age of the car at the time of loan repayment cannot exceed 10 years from the date of the first registration

• Minimum loan amount: 200,000 rubles / 4,500 US dollars / 3,000 euros. (135,000 rubles for motorcycles)
• Maximum loan amount: 5,250,000 rubles / 225,000 US dollars / 150,000 euros. (RUB 1,500,000 for motorcycles)

• from 12 to 60 months (inclusive)

• from 15% (when applying for a CASCO policy under the BMW Insurance program from 10%). Down payment for BMW 6, 7, M, Z series and X6 from 25% (20% when applying for a CASCO policy under the BMW Insurance program)

• There is no moratorium on early repayment

CREDIT COMMISSION

• There is no commission for issuing a loan

INSURANCE (CASCO) - MANDATORY

• The insurance company must be approved by BMW Bank LLC. At the request of the borrower, it is possible to include in the loan amount the cost of additional equipment installed on the car, car accessories, Casco policy.

DOCUMENTS REQUIRED FOR SUBMISSION TO THE BANK:

• Loan application form filled in by the borrower
• Copies of the borrower's passport (all pages)
• 2nd document to choose from: a copy of a driver's license, a copy of a passport, a copy of a military ID
• Copy of income statement (declared, confirmed, official)
• Copy of TC (if applicable)

REQUIREMENTS FOR BORROWERS AND GUARANTORS:

Lending is possible only with a guarantor if:

• borrower age from 18 to 22 years old;
• the onset of retirement age (55 years for women and 60 years for men) before the end of the loan;
• the borrower is male between the ages of 22 and 27 and the military ID is not provided;
• work experience for hired employees is less than 4 months, for individual entrepreneurs / business owners - less than 12 months (for a full package of documents).

POSSIBLE CONSIDERATION OF THE APPLICATION ON THE FULL AND SIMPLIFIED PACKAGE OF DOCUMENTS:

CONSIDERATION FOR STANDARD PACKAGE OF DOCUMENTS (official or confirmed income):

• Application - Application form for a loan (in the form of "BMW Bank" LLC);
• Copy of passport (all pages);
• A copy of the second document (optional, one of the listed: driver's license, foreign passport or military ID).

FOR EMPLOYED EMPLOYEES:

• A copy of the employment record, certified and sealed by the employer or a letter confirming work in an international organization or the Embassy of a foreign state (in Russian or a notarized translation) or a copy of the Employment Agreement / Contract; or a certificate of service for military personnel and categories equated to them (Ministry of Internal Affairs, FSB, etc.);
• The original 2-NDFL certificate (at least for the last 4 months) or a certificate of income and employment on the letterhead of the organization (or in the form of the Bank), certified by the employer or an extract from the current bank account (at least for the last 4 months).

FOR BORROWERS - BUSINESS OWNERS ARE THE FOUNDERS (SHAREHOLDERS, OWNERS, OWNERS) OF A LEGAL ENTITY

• Extract from the Unified State Register of Legal Entities.

• Copy of TIN certificate;
• Copy of the certificate of state registration of legal entities faces;
• Copies of the articles of association and articles of association;
• Original 2-NDFL certificate (at least for the last 4 months).

• Certificate of income and employment on the letterhead of the organization (or in the form of the Bank);
• Copies of orders on the appointment of the general director and chief accountant (only if the founder combines the positions of both the general director and the chief accountant)

FOR BORROWERS - INDIVIDUAL ENTREPRENEURS:

• Extract from EGRIP.

• Copy of TIN certificate;
• A copy of the certificate of registration of an individual entrepreneur;
• Extract from the current account of the individual entrepreneur / current bank account (at least for the last 4 months).

• A copy of the current tax return for the last reporting period (3-NDFL or using the simplified taxation system).

FOR LAWYERS:
Law office:

• Lawyer's certificate;
• Certificate from the Bar Association on the implementation of private practice.

Bar Association or Law Office:

• Lawyer's certificate;
• Certificate of admission to the Bar Association or TC with a record of employment.

FOR NOTARIES:
For notaries employed in public notary offices:

• TC with a record of employment.

For private practicing notaries:

• License to carry out notarial activities;
• Certificate or certificate of membership in the notary chamber.

CONSIDERATION ON TWO DOCUMENTS (declared income):

Bmw bank early loan repayment

Before issuing a loan, the bank checks each borrower through a request to the BCH and its own security service. All that goes into the check is your credit reputation, which cannot be damaged by the return of insurance.

What is a credit history:

- title part (identification data);

- the main part (information about the loan agreement (number, amount, interest, repayment schedule, etc.);

- informational part (notes on the borrower's applications with applications for loans and cases of delay in payments);

- additional part (information available only to the borrower).

The credit history does not contain items on additional insurance (Federal Law No. 218-FZ of 12/30/2004), whether you had insurance or a loan was issued without it.

Information that the client returned his money for insurance through the court is not transferred to the credit bureau, is not recorded by the bank's security service, that is, the client's reputation in the credit history depends only on the borrower's solvency (how the borrower has paid and is now paying on his loans ).

By law, you can look into your credit history once a year and make sure of the above.

According to our legislation, there is no clause with the following content: "In case of refusal from life and health insurance, the borrower is obliged to repay the loan ahead of schedule" in the loan agreement there is and cannot be.

More details - here (click and go to the article).

The list of situations in which the bank may require early repayment of the loan is spelled out in the loan agreement and the Civil Code of the Russian Federation, the main reason is the debt under the loan agreement.

At the same time, the requirement for the full early repayment of the loan debt is a cardinal measure, as a rule, banks put this requirement in court.

- loan agreement or individual loan conditions;

- insurance documents (policy / contract / program / insurance conditions);

You may also need:

- documents on other additional services issued by the bank;

- statement from the credit account for the first month (if there are no insurance documents);

- certificate of loan repayment (if the loan was repaid ahead of schedule).

At the same time, if you have only a loan agreement in your hands, we can also help you: perhaps the loan agreement contains all the data on insurance and the missing documents can be requested from the bank, we will provide you with a sample application.

BMW Bank: detailed information

Car loans are one of the most popular banking products, because not everyone can buy a vehicle at their own expense, and in order to realize the dream of a comfortable car, one has to turn to the services of financial institutions. One of the banks specializing in car loans is BMW Bank, the official website is at http://www.bmwbank.ru. Consider the most detailed information about the bank and the terms of cooperation with it.

About the bank

BMW Bank is a Russian commercial bank specializing in car loans. The bank owns the largest foreign company BMW Financial Services. The bank was registered in Russia in 2008. He is known in the world since 1991, his main specialization is the provision of a bank car loan for the purchase of a BMW car.

You can apply for a car loan at a BMW bank only in the salon of an official dealer, the addresses are presented on the bank's official website. Bank offices are located in many large cities, including Moscow, Nizhny Novgorod, Kaliningrad, Krasnoyarsk, Irkutsk, Rostov-on-Don, Volgograd, Voronezh, Kursk, Tula, Tver.

Please note that despite the fact that the bank belongs to a foreign financial company, its activities fully comply with the norms of Russian legislation, it operates on the basis of a license issued by the Central Bank of the Russian Federation.

BMW Bank details:

• legal address 125212, Moscow, Leningradskoe shosse, 39 A, building 1;
• BIK 044525770;
• TIN 5047093433;
• OKATO 45277565000;
• OKTMO 45336000;
• correspondent account for operations in domestic currency 30101810145250000770.

Borrower requirements

If you want to get a loan from BMW bank, then you need to contact an authorized dealer directly, you can easily find their addresses on the official website in the "Dealer network" section. Targeted loan is provided for the purchase of BMW cars and motorcycles, and cars of other foreign brands. In addition, a potential buyer has the opportunity to buy both a new car and a used car.

The loan service is provided directly by BMW Bank. Therefore, a potential borrower needs to thoroughly prepare for the upcoming purchase. The bank has a number of requirements for potential borrowers:

• age from 18 years;
• registration on the territory of the Russian Federation or temporary registration in the region of purchase of a car, provided that the term of the car loan does not exceed the period of temporary registration;
• the presence of a permanent source of income that can be documented;
• a positive credit history and the absence of open overdue debts to commercial banks.

In fact, the issue of car loans at BMW banks is strictly individual, that is, here you can apply for a loan according to a simplified scheme without providing a certificate of salary or with a full package of documents, the parameters of the future loan will depend on this. To confirm income, the bank accepts two main documents: a certificate in the second form for individuals, a certificate in the 3-NDFL form for individual entrepreneurs, and a certificate in the form of a bank.

The package of documents will depend on the size of the initial payment, if a potential borrower is ready to pay half the cost of the future car at his own expense, then he can apply for a loan according to a simplified scheme without providing certificates of wages, income in the questionnaire will be indicated according to the words of the potential client.

In some cases, the borrower may need a solvent guarantor, for example, if the lender has doubts about the solvency and financial soundness of the client. The guarantor has a number of mandatory requirements, by the way, for them a certificate of wages in the second form is a mandatory document.

Please note that BMW bank, like any other commercial bank, will check each borrower according to different parameters, and is not obliged to explain the reason for refusing to issue a loan.

Credit programs

The bank offers several standard lending programs:

1. Program "Select", conditions the interest rate on the loan ranges from 15.5 to 17.5% interest per year. The peculiarity of the program is that at the end of the loan term on the date of the last payment, the client must pay the balance as a percentage of the value of the car, it ranges from 20 to 50%, depending on the loan term and car brand.
2. Program "Standard" loan term from 1 year to 5 years interest rate from 15.5% to 17.5%, initial payment from 40%. The program operates both with and without a residual payment.
3. The "Protection" program is designed for the purchase of new cars with an interest rate of 11.5% to 13.5%, an initial payment of 40% of the cost, the program operates both with a residual payment and without it.
4. Program "Individual" initial payment of 15% interest rate 15.5% per year minimum loan amount 7,000,000 rubles maximum is limited only by the cost of the car chosen by the client.
5. MOTORRAD SELECT is a program for the purchase of BMW motorcycles with an interest rate of 15.5% to 17.5%, an initial payment of 15% for a period of up to five years.

In fact, this is an incomplete list of offers from BMW Bank, credit programs are many, they all differ in terms of credit and interest rates, and certain conditions apply to certain groups of cars. Minimum rate on a car loan from 7% per year... A residual payment system is in place for almost all programs. It is worth paying special attention to it, because at the end of the term of the loan agreement, the client must pay part of the cost of the car at his own expense or use the Trade-In program or return the car to the dealer under an agreement to buy out the car.

Please note that CASCO auto insurance is the main condition for the borrower, there are programs for which this type of insurance is not applied, but the cost of the loan increases significantly up to 20% per year.

Other bank services

In addition to car loans, the bank offers leasing services. That is, the client can rent a car for up to five years under the leasing program. Terms of service are strictly individual, but they all have similar parameters:

• term of the contract - up to 5 years;
• initial payment - from 20 to 49% of the car value;
• commission for registration of the contract - up to 1%.

The peculiarities of leasing are that a minimum package of documents is required from the borrower. The registration procedure has been greatly simplified, the average time for consideration of applications is up to one working day. After the expiration of the lease agreement, the lessee has the opportunity to redeem the car in ownership.

As for the insurance contract, the bank does not provide protection services, but accepts insurance contracts only from accredited companies. These include Renaissance insurance, Ingosstrakh, AlfaStrakhovanie and others. You can issue a CASCO policy when buying a car from an authorized dealer.

Loan payment terms

First of all, if you have become a loan client, then BMW Bank personal account will help you control your loan obligations. All clients who have signed a loan agreement get access to the online service system. Why does a loan client need it:

• you will always be aware of the terms of your loan agreement;
• you can view the payment schedule at any time of the day;
• you can view any data from your loan agreement, for example, details for sending a payment.

But this is not the most important thing, because with the help of your personal account you can have a connection with the bank. For example, if you need to write an application for early loan repayment or upon the occurrence of an insured event, or for other issues, you can do this through your personal account.

Another advantage for customers at BMW Bank is that it can change the essential terms of the loan agreement during the loan term. The service can be used by all clients who have no overdue debts to the bank. How can the terms of the contract be changed? For example, provide a grace period, change the terms of the agreement, convert payments from foreign currency to domestic currency or vice versa. You can write an application through your personal account in the system on the official website of the bank. But at the same time, you need to prepare some documents, namely, a salary certificate, an insurance contract, a copy of a vehicle passport.

The last topical issue for payers of the loan is the early repayment of the loan from BMW Bank. After all, the Russian legislation does not prohibit the payment of bank loans before the period established by the agreement, while the bank does not have the right to restrict the desire of borrowers and charge additional fees for this. BMW Bank is no exception and also provides an opportunity to pay the loan ahead of schedule without commission.

For partial or full repayment of the loan, you must notify the bank of your intention no later than 3 days before the payment date using an application in your personal account. On the appointed date, and it must be a working day, you need to replenish your credit account for the amount of early repayment no later than 13:00 Moscow time. In case of a successful write-off, the bank will notify the client using an SMS message, and a new payment schedule will wait for the client in his personal account.

Loan payment methods

First of all, the bank has partnerships with two commercial banks in Russia: Rosbank and Raiffeisenbank. In order to make a payment through a third-party financial institution, the payer is required to find out the amount and date of payment, according to the established schedule, and then open an account number in the bank to repay the BMW loan debt to the bank. Further, you can pay in cash or with a Raiffeisenbank or Rosbank bank card, depending on which bank you opened an account with, as well as by bank transfer.

Loan payment online

Another way to pay for a loan is to use the services of any credit and financial organization in our country, but be prepared that you will be charged a fee for transferring funds, its amount depends on the tariffs of the bank providing the service. To make a transfer, you will need bank details, you can find them on the official website or see in your loan agreement. The number of an individual credit account can be found in your personal account or in the loan agreement.

The last option that you can use is to pay a BMW Bank loan online for this you must go to the official website in the section "Pay online". You must act according to the following instructions: in the specially designated field, enter the number of the loan agreement. After that, the page will automatically display data on your loan, namely the surname, name, patronymic and the amount to be paid. You need to select the type of card, enter its details and click the "Continue" button. After that, you will see an online receipt showing your details and the details of your loan agreement. You just have to confirm the operation, the funds will be debited from your bank card.

Please note that a certain fee is charged for this operation, it will be added to the amount of the monthly payment.

Thus, BMW Bank is a bank that specializes exclusively in the issuance of car loans. By the way, he is one of the ten leading banks in the issuance of car loans in Russia. In the rating of Russian banks, it ranks 134th in terms of financial indicators, and the total amount of loans issued is 22.659 billion rubles.

Early loan repayment

Early repayment is carried out at your written request.
The application must be completed at an authorized BMW and / or MINI dealership.
The application must be submitted at least 3 (three) business days prior to the proposed early repayment date of the Loan. The early repayment date can only be a business day.
The funds for early repayment must be deposited into your current account opened for repayment of the loan in the Partner Bank.
Application template

• Early repayment of the Loan is carried out upon your written application (in the form approved by BMW Bank LLC), which you can fill out and submit to the Bank through an official BMW and / or MINI dealership.
• The application must be submitted at least 3 (three) business days prior to your proposed early repayment date.
• The funds for early repayment of the Loan must be deposited into your current account opened with the Partner Bank no later than 13:00 (Moscow time) of the date of early repayment of the Loan proposed by you.
• The date of early repayment of the Loan can only be a business day in the Russian Federation.
• If, as of the date of early repayment you suggest, the balance of funds on your current account with the Partner Bank is insufficient to carry out early repayment in the amount specified in your application, the funds will not be debited.
• On the next business day after the date of your proposed early repayment of the Loan, you will be sent an SMS message with information about the successful or failed early repayment.

The article was written based on the materials of the sites: pf-pk.ru, meshok-creditov.ru, www.bmw-avangard.ru.

Good day.

Good day.

08/12/2018 I bought a BMW from Avilon AG LLC. I used borrowed money, including. In DC Avilon they offered a loan program, which was spoken about orally. When signing the document, I did not sign any rules and tariffs, as well as applications for joining insurance programs.

From the conditions of my doctor dated 08.16.2018 (Conditions), it appears that according to clause 17 of the Conditions, in the event of an expression of the will to purchase using a loan, such part of the loan is directed to pay for the service of joining the collective life insurance agreement. I didn’t sign any statements, and Dr. Joining’s project was not shown to me. Conclusion - life insurance is a service imposed by the employees of the DC and / or the bank on me as a party, which, due to the obvious inequality of negotiating opportunities, is put in a position that significantly complicates the coordination of a different content of individual terms of the contract.

From the loan conditions, I myself learn that unnecessary expenses were included in the loan - life insurance in the amount of 95,091.45 rubles. At the same time, in accordance with clause 10 of the Conditions, the security of the fulfillment of my monetary obligations is conditioned only by the vehicle pledge and the CASCO policy.

After a couple of months, on the bank's website, I finally find the General Conditions for Lending to Individuals (hereinafter referred to as the General Conditions), which were not given to me in the DC. According to clause 1.27 of the conditions, it is determined that the application for
joining a collective insurance agreement is an application of the Borrower to the Bank, as the policyholder under the collective life insurance agreement, to provide the Bank to the Borrower with a paid service to include the Borrower as an insured person in the list of insured persons provided for by the Collective
insurance. The insurance application forms are given in Appendices No. 5 and No. 5.1 to the General Conditions.
By reference: only the text of the conditions is posted without the application forms.

According to clause 2.2 of the General Conditions, the Bank offers a single type of consumer credit - a loan for the purchase of a vehicle, as well as, at the request of the Borrower, for payment of an insurance premium under the Vehicle Insurance Agreement, services for joining the Collective Life Insurance Agreement, insurance premium under the Personal Insurance Agreement ...

Thus, it becomes clear that I was misled and imposed on me services that I did not need at the date of the loan. In addition, I was not given a copy of the power of attorney to the bank's attorney, R.K. Daria, who carried out all the signatures by power of attorney from the bank No. 42C / 03-15 of 03/31/15, which was issued in general by way of transfer on the basis of a power of attorney on 03/25/2015 No. 0596. In addition, Daria signed loan conditions on the basis of another power of attorney 72 / 03-16 dated 25.03.16, which once again indicates that I was misled when applying for a loan.

I have been a client of the bank for the second time already, while, when registering the service with the bank, I hoped that all conditions would be transparent, the documents would be in order, but in reality it would be different. With this claim, I ask to return the balance of funds from the amount of 95 091.45 rubles in proportion to the remaining term of the loan. The answer came from the bank that the bank had fulfilled all its conditions, and so on. This unsubscription does not suit me.

I reserve the right to contact the prosecutor's office, FAS, Central Bank, and leave my negative experience on any public resources related exclusively to negative experiences, incl. TV, printed and other journalistic articles about banks and do not delete it until the funds are returned, especially to the regular customers of this bank.

BMW Bank 11/19/2019 11:06

Dear a*******@gmail.com!

Thank you for your feedback!

Personal insurance as a measure to reduce the risk of non-repayment of the Loan is offered for acquisition by the Borrowers on a voluntary basis and does not stipulate the conclusion of the Loan Agreement, except for its conclusion under the terms of the Program with life insurance, in accordance with which the Loan is provided on more attractive terms for the Borrower (in terms of the Interest rate and / or other conditions) in comparison with the current conditions of the Bank for granting a Loan without the Borrower receiving the service of joining the Collective Life Insurance Agreement or concluding the Personal Insurance Agreement by the Borrower.

In addition, the General Conditions for Lending to Individuals (an integral part of the Loan Agreement) expressly provide for the Borrower's right to refuse the service of joining the Collective Life Insurance Agreement within 14 (fourteen) days from the date of concluding the Loan Agreement with the return of part of the payment in proportion to the cost of the part of the service, provided prior to notification of rejection. You did not exercise this right.

The Bank verified the circumstances mentioned in your comment. The program with life insurance was not applied when concluding your Loan Agreement, so insurance was not a condition for obtaining the Loan. When concluding the Loan Agreement, you received complete, up-to-date and reliable information from the Bank's attorney on the terms of personal insurance. In addition, these conditions are comprehensively set out in the Application for joining the collective life insurance contract signed by you (clause 5.2), as well as in clauses 1.27, 1.53, 2.20, 2.21, 2.22, 2.23, 2.25 and 2.27 of the General Conditions for Loans to Individuals. Forms of the Application for insurance, Individual terms of the consumer loan agreement, Consent to the individual terms of the consumer loan agreement and other forms or standard forms used by the Bank in working with borrowers - consumers, approved as annexes to the General Conditions of Lending to Individuals and are available for review on the website Bank. Thus, the potential borrower of the Bank is provided with an opportunity in a calm atmosphere and within the time required for this, before contacting the Bank, to study the documents accompanying the registration of relations with the Bank and make an informed decision.

If you still have questions, please contact the Customer Support Service from 9 am to 9 pm Moscow time.

Yours faithfully,
BMW Bank LLC