Loan repayment through an account with Rosbank PJSC opened to repay a BMW Bank loan learn more. Repayment of a loan through an account with PJSC "Rosbank" opened to repay a loan from BMW Bank learn more Early repayment of a loan
BMW Bank is a subsidiary of the Austrian concern BMW Group "BMW Osterreich Holding GmbH". To activity on Russian market the bank started in mid-2008. The only branch of BMW Bank is open in Moscow.
BMW Bank in Russia is focused on the implementation of lending and insurance programs for the retail and corporate segments of dealers 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 net profit of the organization. It is included in the 1 league of the national rating of banks and ranks 26th with an average score of 1.47 points.
On the site financial organization BMW Bank customers can use a convenient system remote service: calculate credit in the service " Credit calculator”, pay a loan, get information on banking products in personal account online banking. On the main page of the personal account there is up-to-date information for the registered user:
- Condition details loan agreement and details for the fulfillment of obligations;
- Data on the made and forthcoming payments on the loan;
- The amount of debt;
- Application for early repayment of debt on a loan, on changing the date of monthly payments under a loan agreement;
- Application for a certificate.
To enter your personal account, you will need to pre-register in the BMW Bank system and have a personal computer or mobile device with an Internet connection. The client must 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 the username and password, click "Login". For additional security, it is recommended to use an electronic keyboard. To do this, in the corresponding line, click on the icon with the keyboard.
If the user data is successfully entered, the screen will display main page personal office.
Registration of a personal account in BMW Bank
Registration of a new user in the online banking system of BMW Bank occurs automatically upon signing a loan agreement.
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 assigned in the loan agreement.
Registration of a personal account is completed. The system will prompt you to change the one-time password to a permanent one and save the changes.
Recovering the password for the personal account of BMW Bank
If the error "Incorrect username/password for login" occurs, the client needs to call multiline phone hotline BMW Bank 8-800-700-0269 (for calls within Russia) or +7-495-258-62-56 (for calls within Moscow) and leave a request for account recovery. The bank operator will ask clarifying questions for personal identification and 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 will need to change it to personal.
Download the BMW Bank mobile app
The official application of BMW Bank in Russia has not been developed. When entering the personal account on a smartphone or mobile device, the user can switch to mobile version site and continue to work 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
Multichannel Customer Support is available Monday through Sunday from 9:00 am to 9:00 pm. You can contact on 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 tariff plans urban communications 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 start 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 "Submit". Information about the process of fulfilling the application will be broadcast via the selected communication method.
The official community of BMW Bank is represented in social network Facebook.
Early repayment 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 date of early repayment of the Loan. The prepayment date can only be a business day.
Funds for early repayment must be deposited to your current account opened to repay the loan at the Partner Bank.
- Early repayment of the Loan is carried out upon your written application (according to 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) working days before the date of early repayment of the Loan proposed by you.
- Funds for early repayment of the Loan must be deposited to 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 working day in the Russian Federation.
- If, on the date of early repayment proposed by you, 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 working day after the proposed date of 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 indicated by you, in addition to the amount for repayment of the principal debt, includes interest for using the Credit.
- The amount of partial early repayment does not include Monthly payment under the Payment Schedule and does not cancel the Monthly payment under the Payment Schedule.
- Recalculation of the Payment Schedule under the Loan Agreement without Residual Payment will be made according to the method specified by you in the 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. remains the same as it was determined 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 it was determined in the current Payment Schedule under the Loan Agreement), but the amount of the Monthly Payment decreases.
In the event that you have not indicated in the application the method of recalculating the Payment Schedule, then the recalculation of the Payment Schedule will be made 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 a Loan Agreement with a Residual Payment can only be recalculated 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.
- The 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 amount of the outstanding balance of the Principal Debt under the Loan Agreement, as this percentage was determined under the terms of credit on the date of conclusion of the Loan Agreement.
- After the date of early repayment of the Loan proposed by You, a copy of the current Repayment Schedule will be sent to the address of correspondence indicated when concluding the Loan Agreement.
Features of full early repayment
- In case of full early repayment, you need to contact BMW Bank LLC, customer service department at 8-800-7000-269 to clarify the amount required for full early repayment, which you indicate in the application.
- The full early repayment amount consists of the entire outstanding balance of the Principal Debt and interest for the actual use of the Loan.
- Until the date of full early repayment, it is necessary to pay Monthly payments 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 Loan.
Loan repayment methods
Repayment of a loan issued in rubles Learn more
Loan repayment through an account with JSC Raiffeisenbank,
- Know the 20-digit number of the account with JSC Raiffeisenbank opened to repay the debt under the loan from BMW Bank, or the number of the bank card, if it is issued to the account.
- Top up your account with JSC Raiffeisenbank, opened to repay the debt under the BMW Bank loan, before the date of the monthly payment in the Partner Bank in any way convenient for you:
Cash Find out more
Cash desk in a branch of AO Raiffeisenbank
You can apply with a passport of a citizen of the Russian Federation to a branch of JSC Raiffeisenbank that is convenient for you
No commission
QIWI payment terminals
QIWI tariff commission
Payment system " gold Crown»
Commission on tariffs of the Zolotaya Korona system
The term for crediting funds to an account with JSC Raiffeisenbank is three business days
Using a card opened to an account with JSC Raiffeisenbank to repay a loan from BMW Bank Find out more
If you do not have a AO Raiffeisenbank card to repay a loan at BMW Bank, then you can get it at the branches of AO Raiffeisenbank without commission Get benefits
ATMs of AO Raiffeisenbank
No commission
Deadlines for depositing funds - at least one working day before the date of the monthly payment
Terminals of the Moscow Credit Bank
No commission
Deadlines for depositing funds - at least one working day before the date of the monthly payment
ATMs JSC Gazprombank
No commission
Deadlines for depositing funds - at least one working day before the date of the monthly payment
Transferring funds from a third-party bank card
You can transfer funds from your bank card to a Raiffeisenbank card. Please check this possibility in third party bank that issued your card.
From an account opened with AO Raiffeisenbank
By transfer from any of your other accounts with JSC Raiffeisenbank via R-Connect or R-Mobile (Mobile application)
No commission
Deadlines - at least two working days before the date of the monthly payment
By transferring funds from your personal account with another bank to an account with JSC Raiffeisenbank.
Commission according to the tariffs of your bank.
In the transfer order, you must specify:
Purpose of payment: Translation own funds. Without tax (VAT).
You can also find information about the terms of service and account replenishment on the website of JSC Raiffeisenbank
Loan repayment through an account with PJSC ROSBANK,
open to pay off debt on a loan from BMW Bank Find out more
To repay a loan, you must:
- Know the 20-digit account number in Rosbank opened to repay the loan from BMW Bank.
- Top up your account before the date of the monthly payment in the Partner Bank in any way convenient for you:
Using a card opened to an account with PJSC Rosbank to repay a loan from BMW Bank Find out more
ATMs of PJSC "Rosbank"
No commission
Deadlines for depositing funds - at least one working day before the date of the monthly payment
You can deposit cash to a 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 Rosbank PJSC
From an account opened with another bank
By transferring funds from your personal account in another bank to an account in Rosbank. Find out more
Commission according to the tariffs of your bank.
Deadlines - at least three working days before the date of the monthly payment
In the transfer order, you must specify:
Purpose of payment: Transfer of own funds. Without tax (VAT).
You can also find information about payment on the website of PJSC Rosbank
By transferring funds from your personal account from any bank to the account of "BMW BANK" LLC Learn more
Commission according to the tariffs of your bank.
Deadlines - at least three working days before the date of the monthly payment
To repay a loan, you must:
- Know the date and amount of the monthly loan payment according to the Payment Schedule
- Know the number of the Loan Agreement
- 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 loan agreement No. ___ Full name ___________ (in full) of the borrower. Without tax (VAT). Sample payment order
Free repayment channels in localities,
where there are no branches of PJSC Rosbank Find out more
Irkutsk region
Locality | Kiwi | gold Crown | Sovcombank (terminal) | Post office | ATM PJSC ROSBANK | |
---|---|---|---|---|---|---|
Bratsk | Gold Crown | Euroset: st. Gindin, 4; st. Kirova, 16; st. Komsomolskaya, d.69; st. Ryabikova, 35; st. Naimushina, 20; st. South, 25 MTS: st. Naimushina, 2; st. Soviet, 7; st. Naymushin, b / n; st. Ryabikova, b / n; st. Vokzalnaya, 2a; st. South, 25 |
||||
Usolie-Sibirskoe | gold Crown | Euroset: pr. Komsomolsky, 58; Komsomolsky Ave., 134; st. Ordzhenikidze, 31; pr. Cosmonauts, 21 MTS: pr. Komsomolsky, 134; Krasnykh Partizan Ave., 24 Kari: pr-kt Red Partizans, building 53a; pr. Leninsky, 66; Krasnykh partisans ave., 53a |
st. Ordzhonikidze, 31; st. Lenina, d. 81, apt. 8; Krasnykh partisans avenue, 20-38; pr. Komsomolsky, 130 |
Republic of Tatarstan
Locality | Recommended repayment channel | Kiwi | gold Crown | Sovcombank (terminal) | Post office | ATM PJSC ROSBANK |
---|---|---|---|---|---|---|
Nizhnekamsk | gold Crown | MTS: st. Chulman, 9; Khimikov Ave., 49 Mira Ave., 59D 18/2 Khimikov Ave. st. Mendeleeva, 31A Khimikov Ave., 34 st. Ship, 42 Builders Ave., 2Zh st. 30 years of Victory, 12/19 st. Gagarina, 25 Beeline: Khimikov Ave, 34; St. Mendeleev, 31A; st. Baki Urmanche, 7A Kari: Gagarina, 25; st. Mendeleeva, house 2 |
Stroiteley Ave., 2Zh st. Gagarina, d. 24B |
Republic of Kalmykia
Kaluga region
Locality | Recommended repayment channel | Kiwi | gold Crown | Sovcombank (terminal) | Post office | ATM PJSC ROSBANK |
---|---|---|---|---|---|---|
Dyatkovo | Gold Crown | Euroset: st. Lenin, 182; st. Lenina, 2 MTS: Lenin Square, 2 |
Krasnodar region
Krasnoyarsk region
Nizhny Novgorod Region
Locality | Recommended repayment channel | Kiwi | gold Crown | Sovcombank (terminal) | Post office | ATM PJSC ROSBANK |
---|---|---|---|---|---|---|
Sloboda | gold Crown | Euroset: st. Soviet, 79 MTS: st. Sovetskaya, house 66 |
||||
Yaransk | gold Crown | Euroset: st. Kirova, 26 |
The Republic of Sakha (Yakutia)
Samara Region
Locality | Recommended repayment channel | Kiwi | gold Crown | Sovcombank (terminal) | Post office | ATM PJSC ROSBANK |
---|---|---|---|---|---|---|
Novokuibyshevsk | gold Crown | Beeline: Pobedy Ave., 1 Zh; Mironova, 4 Euroset: st. Mironova, 1; st. Dzerzhinsky, 6; Pobedy Ave., 22. |
Sakhalin region
Locality | Recommended repayment channel | Kiwi | gold Crown | Sovcombank (terminal) | Post office | ATM PJSC ROSBANK |
---|---|---|---|---|---|---|
Korsakov | gold Crown | MTS: st. Soviet, 34; st. Sovetskaya, house 35 Kari: st. Korsakovskaya, 12 |
st. Sovetskaya, 32 room 16-17 |
Tyumen region
Locality | Recommended repayment channel | Kiwi | gold Crown | Sovcombank (terminal) | Post office | ATM PJSC ROSBANK |
---|---|---|---|---|---|---|
Nizhnevartovsk | gold Crown | Euroset: st. Lenina, house 14; st. Chapaeva, house 27; st. Lenin, House 15P; st. Chapaeva, 42; st. Neftchinikov, 83; st. International, 73; st. Mira, house 4/p; md. 4, st. Lenin, b / n; st. International, b / n Beeline: st. Lenina, house 12a; st. Kuzovatkina, house 17; st. Mira, house 31; st. Mira, house 11 building 2 |
Khabarovsk region
Yaroslavl region
Locality | Recommended repayment channel | Kiwi | gold Crown | Sovcombank (terminal) | Post office | ATM PJSC ROSBANK |
---|---|---|---|---|---|---|
Vyazma | gold Crown | Beeline: st. October 25, 7 MTS: st. October 25, 20; st. Gagarina, 33 |
||||
Soligalich | Sovcombank | st. Komsomolskaya, 5 |
By transferring funds from your personal account in foreign currency from any bank to an account with ROSBANK Find out more
Commission according to the tariffs of your bank.
To repay a loan, you must:
- Know the date and amount of the monthly loan payment according to the Payment Schedule
- Contact the bank where your personal account is opened at least five working days before the date of the monthly payment
- Fill out the transfer form and be sure to indicate:
Repayment of a loan through a trustee
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 to an account in 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. Registration of a power of attorney for repayment of a loan through an authorized person occurs once for a period of up to 3 years.
By transferring funds from your personal account in foreign currency from any bank to the BMW Bank account Learn more
Commission according to the tariffs of your bank.
Deadlines - at least five working days before the date of the monthly payment
To repay a loan, you must:
- Know the date and amount of the monthly loan payment according to the Payment Schedule.
- Contact the bank where your personal account is opened at least five working days before the date of the monthly payment.
- Fill out 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 a financial division of the BMW Group, and has been actively developing since 1991 as an international provider of car loans. BMW Financial Services is present in more than 40 countries around the world (in the form credit institutions or leasing companies).
BMW Bank LLC began 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 desire 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 110 people for the third year in a row to be among the ten largest Russian banks in terms of car loans issued.
One of the main principles of the 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 06/10/2013.
Basic lending conditions
VEHICLE / subject of lending
- We lend BMW and MINI cars/motorcycles. The age of the car at the time of loan repayment cannot exceed 10 years from the date of first registration
- Minimum loan amount: 200,000 rubles / 4,500 US dollars / 3,000 euros. (135,000 rubles for motorcycles)
- Maximum loan amount: RUB 5,250,000 / USD 225,000 / EUR 150,000. (1,500,000 rubles 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
COMMISSION FOR THE ISSUANCE OF A LOAN
- 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, the cost of additional equipment installed on the car, car accessories, Casco policy can be included in the loan amount.
DOCUMENTS MANDATORY FOR SUBMISSION TO THE BANK:
- A completed loan application form 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 certificate (declared, confirmed, official)
- Copy of TC (if applicable)
REQUIREMENTS FOR BORROWERS AND GUARANTORS:
Requirements for Borrowers | Requirements for Guarantors | ||
Citizenship | Citizenship of the Russian Federation | ||
Registration | The presence of registration in the territory of the Russian Federation. If the registration is temporary, then the period of its validity must not be less than the term of the requested loan. | ||
Availability of phones | Having two contact phone numbers, at least one of which is a landline. | ||
Age | The minimum age of the borrower is 18 years | The age of the guarantor must be at least 22 years old and not older than 55 years for women and 60 years for men. For men aged 22 to 27 years, a military ID is required. | |
Employment | Official employment. The office of the employing company must be located on the territory of the Russian Federation (even if it is a branch or representative office of a foreign company) |
||
Employment confirmation | For the full package - required | Two documents - not required | Always required |
Income | Availability of income sufficient to service the loan (confirmation of income for at least the last 4 months) | ||
Income verification | For the full package - income confirmed by the employer | According to two documents - income declared by the borrower | Employer verified income only (official/verified) |
Experience | For the complete package employees— not less than 4 months, for individual entrepreneurs / business owners — not less than 12 months. | According to two documents - no restrictions on experience. | For employees - at least 4 months, for individual entrepreneurs / business owners - at least 12 months. |
Credit history | No current arrears No negative credit history (according to the Bank's standards) |
Lending is possible only with a guarantor if:
- the age of the borrower is from 18 to 22 years;
- the onset of retirement age (55 years for women and 60 years for men) before the end of the loan term;
- a male borrower between the ages of 22 and 27 and no military ID provided;
- work experience for employees less than 4 months, for individual entrepreneurs / business owners - less than 12 months (according to the full package of documents).
IT IS POSSIBLE TO CONSIDER THE APPLICATION ON THE FULL AND SIMPLIFIED PACKAGE OF DOCUMENTS:
Terms | According to the full package of documents (with proof of income and employment) | According to two documents | |
Minimum PV | At least 15% (from 10% when applying for a CASCO policy under the BMW Insurance program) *. All models of motorcycles and / m BMW, except for the series 6, 7, M, Z, model X6. | At least 25% (from 20% when applying for a CASCO policy under the BMW Insurance program) *. The model of funded vehicle BMW series 6, 7, M, Z, model X6. | Not less than 40% even when applying for a CASCO policy under the BMW Insurance program |
Income verification | Main income:
A tax return in the form of a single tax on imputed income (UTII) is not accepted. Additional income:
|
Certificate of declared income indicating all available sources of income signed by the client | |
Employment confirmation |
|
Not required. The applicant's employer and position are indicated on the income statement. | |
Interest rates | Basic | +2% to base |
CONSIDERATION ON THE STANDARD PACKAGE OF DOCUMENTS (official or confirmed income):
- Application - Questionnaire 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 following: driver's license, foreign passport or military ID).
FOR EMPLOYEES:
- Copy work book, certified and sealed by the employer or a letter confirming work in international organization or the Embassy of a foreign state (in Russian or a notarized translation) or a copy of the Employment Agreement/Contract; or certificate of experience for military personnel and equivalent categories (Ministry of Internal Affairs, FSB, etc.);
- Original 2-NDFL certificate (at least for the last 4 months) or 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 WHO ARE FOUNDERS (SHAREHOLDERS, OWNERS, CO-OWNERS) OF A LEGAL ENTITY
- Extract from the Unified State Register of Legal Entities.
- Copy of TIN certificate;
- Copy of certificate of state registration legal faces;
- Copies of the articles of association and memorandum of association;
- Original certificate 2-NDFL (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 appointment orders CEO 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 the EGRIP.
- Copy of TIN certificate;
- A copy of the certificate of registration of an individual entrepreneur;
- An extract from the settlement account of the individual entrepreneur / current bank account (at least for the last 4 months).
- Copy of current tax return for the last reporting period(3-NDFL or using a simplified taxation system).
FOR LAWYERS:
Law office:
- Lawyer's certificate;
- Certificate from the Chamber of Lawyers on the implementation of private practice.
Bar Association or Law Office:
- Lawyer's certificate;
- Certificate of admission to the bar or TC with a record of employment.
FOR NOTARIES:
For notaries employed in state notary offices:
- TK with a record of employment.
For private practice notaries:
- License to carry out notarial activities;
- Certificate or certificate of membership in the notarial chamber.
CONSIDERATION ON TWO DOCUMENTS (declared income):
BMW bank early repayment of the loan
Before issuing a loan, the bank checks each borrower through a request to the BCI and its own security service. All that is included in the check is your credit reputation, which cannot be damaged due to the return of insurance.
What is credit history:
— title part (identification data);
- the main part (information about the loan agreement (number, amount, interest, repayment schedule, etc.);
— information part (notes about the borrower's applications for loans and cases of late payments);
— additional part (information available only to the borrower).
Credit history does not contain items about additional insurance(FZ No. 218-FZ of December 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 solvency of the borrower (how the borrower paid and is now paying on his loans ).
By law, you can look into your credit history once a year and make sure of what is written above.
According to our legislation, there is no and cannot be a clause with the content: “In case of refusal of life and health insurance, the borrower is obliged to repay the loan ahead of schedule”.
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 specified 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 full early repayment of the debt on the loan is a cardinal measure, as a rule, banks put forward this requirement in court.
– loan agreement or individual loan conditions;
– insurance documents (policy / contract / program / insurance conditions);
You may also need:
- documents for others additional services issued by the bank;
— an extract from the credit account for the first month (if there are no insurance documents);
- certificate of repayment of the loan (if the loan was repaid ahead of schedule).
At the same time, if you only have 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 make the dream of a comfortable car come true, 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 as much as possible detailed information about the bank and conditions of cooperation with it.
About 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. It has been known in the world since 1991, its 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 BMW Bank only in the salon of an official dealer, the addresses are presented on the official website of the bank. Representative offices of banks are located in many major cities, including in Moscow, Nizhny Novgorod, Kaliningrad, Krasnoyarsk, Irkutsk, Rostov-on-Don, Volgograd, Voronezh, Kursk, Tula, Tver.
Note that despite the fact that the bank is owned by 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.
Details of BMW Bank:
- legal address 125212, Moscow, Leningradskoe shosse, 39 A, building 1;
- BIC 044525770;
- TIN 5047093433;
- OKATO 45277565000;
- OKTMO 45336000;
- correspondent account for transactions in domestic currency 30101810145250000770.
Requirements for borrowers
If you want to get a BMW bank loan, then you need to contact the authorized dealer directly, You can easily find their addresses on the official website in the "Dealer Network" section. Targeted loan provided for the purchase of BMW cars and motorcycles, and cars of other foreign brands. In addition, the potential buyer has the opportunity to buy both new car, and cars with mileage.
The lending service is provided directly by BMW Bank. That's why potential borrower you need 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 where the car was purchased, provided that the car loan period does not exceed the period of temporary registration;
- the presence of a permanent source of income, which can be documented;
- positive credit history and no open arrears to commercial banks.
In fact, the issue of car loans at BMW banks is strictly individual, that is, here you can get a loan according to a simplified scheme without providing a certificate of wages 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 on the second form for individuals, help in the form 3-NDFL for individual entrepreneurs, and a certificate in the form of a bank.
The package of documents will depend on the size of the down payment, if the potential borrower is ready to pay half the cost of the future car at his own expense, then he can apply for a loan under a simplified scheme without providing salary certificates, the income in the questionnaire will be indicated according to the potential client.
In some cases, the borrower may require a solvent guarantor, for example, if the lender has doubts about the solvency and financial solvency of the client. The guarantor has a number of mandatory requirements, by the way, for them, a salary certificate in the second form is a mandatory document.
Please note that BMW Bank, like other commercial banks, will check each borrower according to various parameters, and is not obliged to explain the reason for refusing to issue a loan.
Loan programs
The bank offers several standard lending programs:
- Program "Select", terms and conditions The interest rate on the loan ranges from 15.5 to 17.5% 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 cost of the car; it ranges from 20 to 50% depending on the loan term and car brand.
- Program "Standard" loan term from 1 year to 5 years interest rate from 15.5% to 17.5%, an initial fee from 40%. The program operates both with and without residual payment.
- 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 and without a residual payment.
- Program "Individual" down payment from 15% interest rate 15.5% per year minimum amount the maximum loan of 7,000,000 rubles is limited only by the cost of the car chosen by the client.
- MOTORRAD SELECT is a program for buying BMW motorcycles with an interest rate from 15.5% to 17.5% down payment from 15% for up to five years.
In fact, this is an incomplete list of offers from BMW Bank, credit programs many of them differ in terms of lending and interest rates, as well as certain groups of cars are subject to certain conditions. Minimum bet on a car loan from 7% per year. Almost all programs have a residual payment system. 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 a car buyback agreement.
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 take the car for up to five years under the leasing program. The terms of service are strictly individual, but they all have similar parameters:
- contract term - up to 5 years;
- down payment - from 20 to 49% of the cost of the car;
- commission for registration of the contract - up to 1%.
Features of leasing is that the minimum package of documents is required from the borrower. The registration procedure is greatly simplified, the average time for consideration of applications is up to one business day. After the expiration of the leasing agreement, the tenant has the opportunity to buy the car into 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 get a CASCO policy when buying a car from an authorized dealer.
Loan payment terms
First of all, if you are credit client, then BMW Bank personal account will help you control your credit obligations. All customers who have signed a loan agreement have access to the online service system. Why does a credit client need it:
- you will always be aware of the terms of your loan agreement;
- you can see the payment schedule at any time of the day;
- you can see 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 apply for early payment loan or upon the occurrence insured event, or for other questions, 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 period. All customers who do not have overdue debts to the bank can use the service. How can the terms of the contract be changed? For example, provide Grace period, change the terms of the contract, convert payments from foreign exchange to domestic 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 the vehicle passport.
The last topical issue for the payers of the loan is the early repayment of the BMW Bank loan. After all Russian legislation make payment bank loans before the term established by the agreement is not prohibited, while the bank has no right to limit the desire of borrowers and charge an additional fee for this. BMW Bank is no exception and also provides the opportunity to repay the loan ahead of schedule without commission.
To partially or fully repay 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 the credit account for the amount of early repayment no later than 13:00 Moscow time. In case of successful debiting, the bank will notify the client via SMS, and a new payment schedule will be waiting 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, after opening an account number with the bank to repay the debt on the BMW bank loan. Further, payment can be made in cash or by bank card Raiffeisenbank or Rosbank, 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 financial institution in our country, but be prepared that you will be charged for the transfer of 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 look in your loan agreement. The number of an individual credit account can be viewed in your personal account or in the loan agreement.
The last option that you can use is to pay the BMW Bank loan online. To do this, you must go to the official website in the "Pay payment online" section. It is necessary to act according to the following instructions: in a specially designated field, enter the number of the loan agreement. After that, the data on your loan will automatically appear on the page, namely the last name, first name, patronymic and the amount payable. You need to select the type of card, enter its details and click the "Continue" button. After that, an online receipt will appear in front of you, indicating your data and the data 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 issuing car loans. By the way, it is one of the ten leading banks in issuing car loans in Russia. In the rating of Russian banks, it ranks 134th in terms of financial indicators, but total amount issued loans is 22.659 billion rubles.
Early repayment of the loan
Early repayment is carried out according to your written application.
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 date of early repayment of the Loan. The prepayment date can only be a business day.
Funds for early repayment must be deposited to your current account opened to repay the loan at the Partner Bank.
Application Template
- Early repayment of the Loan is carried out upon your written application (according to 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) working days before the date of early repayment of the Loan proposed by you.
- Funds for early repayment of the Loan must be deposited to 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 working day in the Russian Federation.
- If, on the date of early repayment proposed by you, 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 working day after the proposed date of 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 materials from sites: pf-pk.ru, meshok-creditov.ru, www.bmw-avangard.ru.
Good afternoon.
Good afternoon.
On August 12, 2018, I bought a BMW from Avilon AG LLC. I have used borrowed money. DC Avilon offered a loan program, which was verbally described. When signing the doc-in, I did not sign any rules and tariffs, as well as applications for joining insurance programs.
From the conditions of my doctor dated 16.08.2018 (Terms) it is clear that, in accordance with paragraph 17 of the Terms, in the event of an expression of will to acquire at the expense of a loan, such part of the loan is directed to pay for the service of joining the contract collective insurance life. I didn't sign any statements, I wasn't shown the project of Dr. affiliation. Conclusion - life insurance is a service imposed by DC and / or bank employees on me as a party, which, due to the obvious inequality of negotiating opportunities, has been placed in a position that makes it much more difficult to agree on a different content separate conditions contracts.
From the loan conditions, I myself find out 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 Terms, enforcement of my monetary obligations due only to the pledge of the vehicle 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 paragraph 1.27 of the conditions, it is determined that the application for
accession to a collective insurance agreement is an application by the Borrower to the Bank, as an insurer under the Collective Life Insurance Agreement, about the provision by the Bank to the Borrower of a reimbursable service for including the Borrower as an insured person in the list of insured persons provided for by the Collective Insurance Agreement.
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 without application forms is posted.
According to clause 2.2 General Conditions The Bank offers a single type of consumer loan - 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 Agreement personal insurance.
Thus, it becomes clear that I was misled and forced on me for services that I did not need on the dates of the loan. Additionally, I was not given a copy of the document to the authorized representative of the bank R-k Daria, who carried out all the signatures under the power of attorney from the bank No. No. 0596. In addition, Daria signed credit terms on the basis of another power of attorney 72/03-16 dated 03/25/16, which once again indicates that I was misled when applying for a loan.
I have been a client of the bank for the 2nd time, and while ordering a service from the bank, I expected that all the conditions would be transparent, the documents would be in order, but in reality it would be different. With this claim, I ask you to return the balance of funds from the amount of 95,091.45 rubles in proportion to the remaining term of the loan. From the bank came the answer that the bank had fulfilled all its conditions and so on. I am not satisfied with this response.
I reserve the right to contact the prosecutor's office, the Federal Antimonopoly Service, the Central Bank, and leave my negative experience on any public resources associated exclusively with negative experience, incl. TV, print and other journalistic articles about banks and do not delete it until they are returned cash, especially regular customers of this bank.
BMW Bank 19.11.2019 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 condition the conclusion of the Loan Agreement, except for its conclusion on the terms of the Program with life insurance, in accordance with which the Loan is provided on more attractive terms for the Borrower (in part interest rate and/or other conditions) in comparison with the terms and conditions of the Loan provided by the Bank without the Borrower receiving the service of joining the Collective Life Insurance Agreement or entering into 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 conclusion of the Loan Agreement with the return of part of the payment in proportion to the cost of the part of the service, rendered prior to notice of refusal. You have not exercised this right.
The circumstances given in your review have been verified by the Bank. The program with life insurance was not applied at the conclusion of 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 about the conditions of personal insurance. In addition, these conditions are fully set out in the Application for accession to 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 Crediting Individuals. Insurance Application Forms, Individual Contract Terms consumer credit, Agreement with individual conditions consumer credit agreements and other forms or standard forms, used by the Bank in its work with consumer borrowers, are approved as annexes to the General Conditions for Lending to Individuals and are available for review on the Bank's website. Thus, a potential borrower of the Bank is provided with an opportunity, in a calm atmosphere and within the time necessary for this, before applying to the Bank, to study the documents accompanying the registration of relations with the Bank, and make an informed decision.
If you have any questions, please contact the Customer Support Service from 9 am to 9 pm Moscow time.
Sincerely,
BMW Bank LLC