Raiffeisenbank car loan. Favorable loans from Raiffeisenbank: fast processing and maximum benefits Car loan Raiffeisenbank annual interest rates
Car loans are a popular service both for those who dream of their own car and for those who want to upgrade or improve an existing one. vehicle. Rising prices and regular updating of the model range make the option of long-term accumulation of the amount necessary to purchase the amount unprofitable, which causes a stable demand for loans. A Raiffeisenbank car loan will allow you to purchase a new or used vehicle of foreign or domestic production, while you can contact not only official dealers, which expands the range of opportunities.
Raiffeisenbank has been operating in Russia since 1996, and over such a long period of time it has managed to establish itself as a reliable and client-oriented organization. Stable position and strong growth financial organization is supported, among other things, by the fact that it is part of a large European holding specializing in banking.
Raiffeisen is a universal bank that offers simple and understandable products for individuals, entrepreneurs and companies, regularly improving its own business processes. The priority of the company is to provide the highest quality services, a high level of service and comfortable conditions for cooperation.
Loan programs
Car loans at Raiffeisenbank allow you to get a car loan in more than 2,000 partner centers, with about 500 car brands available. You can apply for a loan for such types of vehicles as:
- New foreign.
- New domestic.
- Used.
- Used cars from unofficial dealers.
In addition to standard lending programs, borrowers are offered profitable terms taken from other banks. In addition, a buyback program is provided, the essence of which is that large amounts are deposited at the beginning and end of the term, and the remaining part is distributed over the entire loan term and forms the basis of monthly payments.
The basis of the line is loans that allow you to purchase middle-class cars. So, the loan term can vary from 1 year to 5 years, and the amount can reach 3,000,000 rubles. The conditions regarding down payment: it is necessary, but it can be minimal - 15% of the cost of the selected car.
Who can get a loan?
A car loan at Raiffeisenbank is available to a wide range of customers, since the conditions offered by the company can be called quite loyal. Citizens of Russia aged 23 to 60 years old (at the time of the expiration of the loan agreement and full repayment of the debt) can apply for a loan. Another important requirement is registration and permanent residence in the region where the application is made. You need to confirm all these data with the help of a Russian passport, which is required to apply.
The main requirement of each bank, allowing to reduce possible risks non-payment, the presence of a stable income and a permanent place of work. The conditions at Raiffeisenbank correspond to this rule: the length of service at the last place of work must be at least 4 months.
In this case, you will have to provide not only an extract from the work book certified by the employer, but also a certificate of income, which will reflect data on salary and additional payments.
An important role for obtaining a car loan at Raiffeisenbank is also played by the presence of a positive credit history. Of course, a borrower with a non-ideal financial biography can also apply for consideration, however, a client who has fully and timely repaid existing loan obligations in the past will be more likely to be approved.
Current situation
In 2015, Raiffeisenbank left the Russian segment of car loans, considering this area unpromising in the medium-term segment. However, the presence of the company in this market is still noticeable. Thus, Raiffeisen cooperates with BMW Bank and Volkswagen Bank: for clients who have received car loans from these banks, it maintains accounts, since the organizations are captive, based on information from the Central Bank. According to a representative of Raiffeisenbank, the company is not going to return to the car loan market in the near future, planning to develop the direction of unsecured lending.
A car loan at ZAO Raiffeisenbank is profitable in all respects. The standard car loan product includes 67 car loan options. In this line you can find almost everything that will make a loan in Raiffeisen the most desirable and affordable.
The Bank offers standard loan options for the purchase of a new or used car, from an authorized dealer or through a partnership program. You can also through unofficial dealers or through a buyback program. A credit institution provides an opportunity to refinance loans.
Raiffeisenbank has partnerships with more than 400 car dealerships, where the borrower can choose any car he likes. The list of cars that can be purchased includes more than fifty brands of domestic and foreign production.
If it was not possible to choose the desired car immediately after the approval of the car loan, you can do it within the next 4 months. The terms of the loan at Raiffeisenbank require the conclusion of an auto insurance contract. But in the first year, the amount of insurance can be included in the loan bill. The loan calculator on the website of Raiffeisen Bank will help you understand how profitable this offer is. It should also be remembered that the loan amount must be at least 85% of the car price. pay attention to partnership programs. Participation in them is especially pleasant for the client with various discounts from the manufacturer and the minimum interest rate when applying for a loan.
Loan conditions
There are many advantages of a car loan from Raiffeisen Bank. For example, you do not need guarantors. The procedure for approving and applying for a loan in the presence of all required documents takes a matter of hours. And the set of documents for obtaining a loan in this credit institution is minimal.
As for the requirements for the borrower, they are mostly standard. The client must be over 23 years of age. The maximum age for men is 60, for women - 55 years. Loyal requirements for seniority at the last place of work. It must be at least 4 months, but if the client has a positive experience of cooperation with Raiffeisen Bank, then 1 month is enough.
Another requirement for the borrower is the absence of a criminal record, as well as documented income, which would allow monthly payments on the loan without delay. By the way, if the borrower submits a certificate in form 2 of personal income tax, then he can hope for minimum percentage on loan. But if the contract is drawn up without life and health insurance of the borrower, then the interest rate for all programs of Raiffeisen Bank increases by 2%. The amount in monetary terms can be calculated using an online calculator.
Partnership programs
All car loans in Raiffeisenbank are divided into 7 main programs, each of which has its own projects. For example, the "More Opportunities" and "Reliable Choice" programs allow the client to become a member of partnership projects, on which the bank works with many car manufacturers. The list of bank partners includes such companies as:
- "Chevrolet";
- "Cadillac";
- "Opel";
- "Honda";
- "Hyundai";
- "Kia";
- "Mitsubishi";
- "Volvo";
- Suzuki and many others.
Moreover, you can apply for a car loan under a partner project both upon presentation of a full set of necessary documents, and if you have only two: a passport and any other document proving the identity of the borrower. Moreover, the interest rate remains virtually unchanged.
For example, when applying for a Kia with a full package of documents, you can hope for a car loan in the amount of up to 3 million rubles, and the loan term will be up to 5 years. When receiving a loan on 2 documents maximum amount will amount to 1.5 million rubles. But in both cases, the rate on the loan will be the same - 12%. The exact amount will allow you to calculate the loan calculator.
As part of this program, you can become the owner of a new vehicle, or you can buy a used car. Yes, on new car Mitsubishi can get a loan for up to 1.5 million rubles for a period of 5 years. In this case, the interest rate will be 15-16%. By issuing the same brand, you can get a maximum of 900 thousand rubles, while the interest on the loan practically does not change: 15.5 - 16.5%. By the way, if you apply for a loan in foreign currency, the interest rate will be slightly lower: approximately 11%.
"Autoexpress" means "fast"
For those clients who value their time, Raiffeisenbank offers the Autoexpress car loan program. The loan is issued within two hours after the application is submitted. At the same time, a loan can be obtained using a passport and another document proving the identity of a citizen. The loan is issued for up to 5 years, while its maximum amount is one and a half million rubles. An initial payment is required, which must be at least 15% of the cost of the car. Such loans are also provided by other credit institutions, but only in Raiffeisenbank the interest rate is the most acceptable - 15%.
True, the mandatory conditions for obtaining such a loan include a CASCO car insurance contract. Another disadvantage is that Raiffeisenbank does not offer early repayment loans under this program. You can apply for an Autoexpress loan for both a new and a used car of domestic or foreign production. In this case, the interest rate depends on the model of the car. For example, at Chevrolet, Opel and Cadillac it ranges from 15 to 16.5%. And on "Hyundai" and "Kia" - 14%.
Buy-Back: favorable conditions for returning the car to the bank
Many car enthusiasts use the Buy-Back program with pleasure for themselves and for the benefit of the bank. It is also offered by Raiffeisen Bank. The peculiarity of the program is as follows: the loan repayment scheme for the purchase of a new car is drawn up in such a way that by the end of the term, some part of the amount remains unpaid.
The so-called deferred payment, the borrower can pay and keep the car for himself, or he can sell the car through a dealer. Generally, the cost of the machine will be more than the amount that must be paid in order to pay off the deferred payment. Therefore, many drivers decide to pay the amount received as a down payment for a new car.
Raiffeisenbank offers its customers this way to make a purchase for a foreign car or a domestic car. At the same time, the interest rate on a loan for a period of up to 3 years will be 16%, up to 5 years - 17%. Minimum deposit must be at least 15% of the value of the car. A car loan under the Buy-Back program can be issued both in rubles and in dollars or euros. Using a loan calculator, you can easily decide which currency is best for you.
If the owner does not want to part with the purchased car, he can count on extending the term of the car loan agreement. And credit rate will be the one that is valid in the bank at the time of the prolongation of the contract, and the period depends on the amount that remains to be paid.
State subsidy program
Recently, Raiffeisenbank has become a member of the state program. This attracted to credit institution even more customers who want to get favorable conditions when applying for a loan to buy a car. The essence of the presidential support program is that 2/3 of the rate is reimbursed by the state. Usually it is about 5%. Moreover, different percentages are set for different models of cars. For example, when applying for a loan at Raiffeisen for the purchase of Hyundai and Kia, the rate is 7.5%, and for Mitsubishi - from 6.4 to 9.5%. The conditions under which a car loan is issued under the state subsidy program:
- the maximum loan amount is 637,500 rubles;
- initial payment - at least 15%;
- the cost of the car is not more than 700 thousand rubles;
- loan term - up to 3 years.
The list of cars participating in the program includes both domestic and foreign brands. To find out what will be the down payment, as well as the monthly payment on a car loan from Raiffeisenbank, use a loan calculator. You can find it on the bank's website. The information obtained through the calculations will help you make the right decision when choosing a lending program.
Online calculator - an indispensable assistant in the search advantageous offers. In addition, he saves time on going to the Raiffeisen bank branch to find out what the conditions for a car loan are.
Receipt borrowed money for a car - an opportunity to buy a car now, without saving money for years. This is true for those who want to buy a vehicle for themselves, but cannot save up in any way. For people whose work involves constant travel, this option is also beneficial. A convenient car loan from Raiffeisenbank is a popular solution to this issue.
Opportunity to buy a car at Raiffeisenbank
Customers can choose from a huge number of offers: more than 500 car models are provided.
There are advantages to this as well. The buyer will receive a guarantee, and will also know that the machine has been tested for serviceability. Car dealership prices, which are slightly higher than direct sales, pay for themselves automatically because post-purchase repairs are eliminated.
However, there is a limitation: you can buy a car only in one of the 2,000 car dealerships that cooperate with Raiffeisenbank. Such a condition will become an obstacle only for those who wanted to buy a car "from hand" or through the car market.
Loan programs of Raiffeisenbank for buying a car
Anyone who wants to get a loan to buy a car, first of all, needs to use the Raiffeisenbank car loan calculator. This will allow you to immediately assess your capabilities and choose the appropriate brand of car, term, monthly payment. After that, you can apply.
The bank does not have one general program car loans. There are several different offers, which depend on the possibilities and wishes of the client. There are approximate conditions on the basis of which the individual offer. To create a program for an individual borrower, the bank needs the following information:
- What documents can the client provide, what are his possibilities in terms of confirming his income, solvency. It depends on the interest rate and amount. Also, due to such documents, the likelihood of approval increases.
- Desired car brand. The borrower can calculate in advance using loan calculator Raiffeisenbank for a car loan, how much he will need to pay monthly for the desired model. Based on this information, the bank evaluates the possibilities of the borrower, taking into account its financial situation.
- Does the client need a new or used car? This is also important for the bank. Although new cars are more expensive, they are more trustworthy, so they are readily approved.
Also exists separate program– refinancing of a car loan at Raiffeisenbank. There are 5 options for a car loan:
- Buying a used car.
- Purchasing a used car from an unofficial dealer.
- Buying a new car.
- Acquisition of a new machine from a Russian manufacturer.
- Buy-Back is a buyback program.
Raiffeisenbank periodically makes changes to the conditions of these programs. For example, the company currently does not provide detailed information for each of them. Therefore, no matter which option is chosen, you need to clarify the details with bank managers.
Lending terms
The most popular loan option is to buy a new foreign car, but there are still many supporters of used cars.
The terms of a car loan at Raiffeisenbank for both cases are as follows:
New car | used car |
Up to 1.5 million rubles, if the borrower is ready to contribute 25% of the cost or more. | Up to 900 thousand rubles, if the client is ready to pay 25% of the vehicle price. |
Up to 3 million rubles with a deposit of 40%. | Up to half a million rubles, if the deposit amount is 40%. |
With a term of up to 3 years, the interest rate will be 26%. | The rate is calculated in the same way as for new cars. |
If the loan is taken for a period of 3 to 5 years - 28%. | CASCO can be paid only for the 1st year, after that it is not obligatory. |
It is also possible to take a car without making a CASCO at all. This is a savings at the time of purchase, but there are also disadvantages. Firstly, interest rates in this case, a car loan at Raiffeisenbank is higher - from 29%. Secondly, the maximum amount is 750 thousand rubles.
You can refinance a loan taken from another bank. There is a separate program for this task. Buy-back is an option for those who want to change a car every three years. After this period, the dealer will buy the car under the exchange program for a new vehicle. If you want to take advantage of this offer, you need to accurately calculate whether there is financial opportunity such an exchange after 3 years.
All of the above options are general information about the conditions. For more accurate figures, you can use the car loan calculator online Raiffeisenbank. Finally, the conditions are calculated individually for each client based on the data provided by him about himself.
Basic conditions
So, the borrower can count on:
- Amount up to 3 million rubles. The minimum size in this case is 80 thousand.
- Terms up to 5 years.
- Contribution from 25%.
Can I get a car loan at Raiffeisenbank without a down payment? This organization does not provide such an opportunity. But you can buy an inexpensive car and then even 25% will become an insignificant amount.
Today, car loan interest rates at Raiffeisenbank are among the most affordable for customers. Flexible terms are also attractive. Therefore, cooperation with this bank is considered a profitable solution.
Unlike other banks, Raiffeisenbank offers consumer loans, with which it will be possible to purchase a car of your choice for cash both in the salon and second-hand. As such, there are no car loans in this bank, but there are many ways to get cash without additional conditions.
On the one hand, there are some disadvantages in this approach: dealers do not offer special discounts and promotions. However, if we consider the issue more carefully, then there are much more advantages:
- it is not necessary to insure the car under CASCO;
- when buying a car for cash, you can always get a good discount in the salon or from a private trader;
- it is possible to buy a car in another city or even country;
- the loan amount can include the necessary expenses for insurance, the purchase of winter tires, etc.
Consider what kind of loans can be obtained from Raiffeisenbank with further investment in the purchase of a car.
Personal loan
Raiffeisenbank, whose car loan can be obtained on affordable terms, offers a low interest rate and a rather long loan period under a personal program. There is no deposit or commission required to complete this offer. The preliminary application is considered and a response is received within 1 hour online.
After preliminary confirmation, it remains only to collect required package documents and contact the nearest branch in Nizhny Novgorod, Yekaterinburg, St. Petersburg, Ufa, Samara or in any other city of the Russian Federation.
The loan is provided in rubles for a period of one to five years. Minimum amount for lending from Raiffeisenbank is 90,000 rubles, and the maximum is 2 million. The interest rate directly depends on the amount and terms. Minimum annual interest- 11.99%, maximum - 13.99%.
It should be taken into account that in case of delay, 0.1% of the overdue debt is charged for each day.
Citizens of Russia older than twenty-three years old, but younger than 67 years old (at the time of expiration of the contract) are eligible to receive a loan. You also need a permanent place of work and the provision of a stationary work number for the security service. This program does not provide for Money individual entrepreneurs, businessmen and lawyers.
In order to apply to Raiffeisenbank for this loan, you must submit:
- the passport;
- questionnaire;
- income statement (can be both 2-personal income tax and in the form of a bank);
- a copy of the completed work.
If the loan amount does not exceed 500 thousand rubles, then employment history need not. Also, if you indicate in the questionnaire the presence of additional earnings, you need documents confirming their availability and stability.
For salaried employees and partner companies
Citizens who work in partner enterprises of Raiffeisenbank have a unique opportunity to receive consumer credit for the purchase of any car on preferential terms.
The main difference for such clients is a fixed interest rate of 11.99%.
Credit is provided in rubles from one to five years. The minimum amount for lending from Raiffeisenbank is 90,000 rubles, and the maximum is 2 million. It is possible to defer the first payment on a loan from Raiffeisenbank for two months.
Getting a loan is very simple: you can get online consultation from a specialist, fill out a preliminary application on the website, and after receiving approval, you must submit a package of documents to the selected office. It is also possible to call a loan officer to your home or office. This allows you to save time and effort on visiting a Raiffeisenbank branch.
Also a huge advantage - a preliminary decision is announced within 1 hour.
This program does not provide for any hidden fees on the loan, however, for delay you will have to pay a fine of 0.1% of the amount for each day.
This program is available to eligible individuals General requirements loans from Raiffeisenbank (age from 23 to 67 at the end of the loan, a citizen of the Russian Federation with a mobile and fixed work number), who are also employees of the bank's partner companies.
Payroll clients of partner firms need to submit only a questionnaire and a passport. Those employees who do not receive wages to an account with Raiffeisenbank, they will also have to provide:
- income statement (can be both 2-personal income tax and in the form of a bank) or a declaration for the last year;
- a copy of the completed work.
If the loan amount does not exceed 500 thousand rubles, then a work book is not needed. Also, if you indicate in the questionnaire the presence of additional earnings, then documents are required confirming their availability and stability.
For Premium Clients
Premium clients of Raiffeisenbank have the opportunity to receive a consumer loan of up to 2 million rubles for any purpose without commissions and collateral. A fixed interest rate of 11.99% is guaranteed. The minimum loan amount in this program is too high - 250 thousand rubles.
The requirements are the same as for standard lending: citizens of the Russian Federation from 23 to 67 years old with work and mobile phone. Salary premium clients have the option not to submit income statements to the bank.
A distinctive feature is the quick decision-making, as well as the allocation of a separate manager for the entire duration of the loan.
Benefits of lending from Raiffeisenbank
Let's consider why the offers of Raiffeisenbank in Rostov-on-Don, Nizhny Novgorod, Yekaterinburg, St. Petersburg, Ufa, Samara or in any other city of the Russian Federation are extremely profitable.
- Low interest rate. Raiffeisenbank offers good conditions lending, as well as a quick response on the application. Unlike standard car loans, there is no need to wait several days for a decision.
- An undeniable advantage is that it is very easy to keep track of your payments, fully control all accounts, and make payments on a loan thanks to a convenient and free Internet bank or using mobile application. Raiffeisenbank is one of those banks that are constantly improving online versions and are actively working to minimize the reasons for visiting the bank.
- When applying for any car loan in this bank, you get a free debit payment card MasterCard systems Standard, the opportunity to repay the loan early from the very first day of issue, the opportunity to defer your first payment for two months, and also become a member of the Financial Protection program.
This program allows you to protect clients and their relatives from non-payments on loan agreement. That is, if you lose your job, for some reason become disabled, the bank pays an insurance payment.
In addition, you have the opportunity to repay the loan without visiting a bank branch and without long queues. Raiffeisenbank proposes to do monthly payments one of the ways convenient for you: