Interest rate on a car loan at Sberbank. How to get a car loan from Sberbank
Targeted lending programs are one of the promising areas of activity of the Savings Bank of Russia, for example, a Sberbank car loan for individuals in 2019 is an excellent option for purchasing a car on favorable terms.
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Loan programs
Sberbank is the largest participant in the Russian financial market, enjoying the trust of all categories of citizens. Thanks to a flexible approach to each client and many options for obtaining a loan, getting a loan to buy a car from Sberbank is quite simple and profitable.
Standard
The standard or basic program allows you to take out a car loan from Sberbank for a period from three months to five years. Interest rates vary from 13.5% to 17% per annum in rubles and from 11.5% to 13.5% in euros and dollars. Loan amount from 45 thousand to 5 million rubles; from 1 to 120 thousand euros or from 1.4 to 150 thousand dollars.
A prerequisite is the presence of a down payment of at least 15% of the cost of the car, thus, the maximum loan amount will be 85% of the price of the car. In addition, the borrower must pay the cost of the CASCO insurance policy.
With government subsidy
A car loan with state support, its main advantage is the low interest rate from 8% to 10% per annum under a preferential program. The innovation for 2019 is that a preferential car loan can now be issued not only for domestic brands, but also for some foreign-made cars.
The conditions for providing a loan with government support are much more stringent than in standard programs:
- The borrower's age must not exceed 65 years. Pensioners cannot participate in this program;
- Government-subsidized car loans are not issued to women with children under 6 months of age;
- The down payment can reach 30% of the vehicle price;
- A significant package of documents provided to the bank: a passport and a second identity document, for example, a driver’s license; employment history; certificate of income for the last six months;
- An indispensable condition is an unblemished credit history of the borrower;
- For the purchase of a vehicle costing less than 750 thousand rubles and weighing less than 3.5 tons, the loan amount will be 85% of the price;
- The car cannot be used and must be registered in the Russian Federation;
- Concluding a vehicle insurance contract.
Affiliate
The affiliate program involves purchasing a car from a bank partner company on special, favorable lending terms. A car loan from Sberbank under a partnership agreement is issued to individuals for a limited number of domestic and foreign models at 15% - 17% for a period of up to five years.
The purchase and loan processing is carried out at the car dealership, which significantly saves time.
Conditions and procedure for car loans
Question: How to get a car loan from Sberbank, and who can count on receiving a loan?
Answer: Any citizen of the Russian Federation who has reached the age of 21 and has a passport can apply for a car loan from Sberbank in 2019.
Note! Continuous work experience at the last place of work for at least six months and a positive credit history are immutable conditions for a car loan from Sberbank of Russia.
A client who has a salary account with the SB of the Russian Federation can count on approval of the application within two hours from the moment of application, the standard period for making a decision is 2 days. To obtain a loan, contact the bank branch at your place of registration.
The positive point is that with a down payment of 30%, the package of documents will be minimal, proof of income and the presence of guarantors will not be required.
The cost of a mandatory insurance policy, at the request of the borrower, can be included in the total loan amount. Sberbank does not charge a fee for servicing a car loan account.
It is possible to purchase not only a new car, Sberbank provides for issuing a car loan for a used car.
The maximum loan amount for the purchase of a car is 85% of its cost. Today, it is impossible to get a car loan from Sberbank without a down payment.
The credit institution's risks are secured by the collateral of the purchased vehicle.
Credit calculator
It is easy for an ordinary consumer to get confused among the many programs and features of lending. To help clients, Sberbank on its official Internet resource offers an online service for calculating a car loan. Go to the Sberbank website in the “car loans” section, select the desired conditions: loan amount, currency, repayment period, car price, type of vehicle, monthly income, insurance cost. By changing the data, choose the most suitable car loan option for yourself.
The service will help you calculate the schedule and decide on the type of payments: on an annuity or differentiated basis. In the first case, the loan is repaid in equal monthly payments, in the second, interest is accrued on the balance of the outstanding loan amount.
Important! Calculations in the online service are approximate and cannot serve as an official offer of the Security Council of the Russian Federation. Personal conditions and lending opportunities must be clarified with specialists at the Sberbank branch. Read the terms of the loan agreement carefully!
List of required documents
The package of documents differs slightly from the usual list:
- Completed bank application form for a loan for the purchase of a vehicle;
- Photocopies of all pages of the passport and client rights;
- A copy of the work record book or a certificate from the employer about work experience;
- Certificate confirming temporary registration at the place of residence, if available;
- Form 2-NDFL or certificate of income for the last 6 months according to the bank’s form;
- Payment document confirming the down payment for the car;
- Photocopy of the vehicle's technical passport;
- Contract for the purchase of a car – original and copy;
- CASCO or OSAGO insurance policy;
- Invoice from the seller for payment of the remaining amount.
Car loans for pensioners
Question: How can senior citizens get a car loan from Sberbank? Is it possible?
The answer to this question depends on many factors, the main one being the age of the borrower at the time of full repayment of the debt; as a rule, it should not exceed 75 years. On average, the loan repayment period is 1-2 years at 16%. Pension payments must be made through the Security Council of the Russian Federation.
The savings bank applies an individual approach to each client; accordingly, lending conditions may vary depending on the capabilities and characteristics of the pensioner’s life. For example, if a person has additional confirmed income or a spouse acts as guarantors, the size of the car loan may be increased. The guarantor for the bank will be the presence of valuable collateral - real estate, jewelry, guarantee of legal entities.
The pensioner must be a citizen of Russia or have temporary registration, which should not end earlier than the loan term.
Savings bank loan for refinancing 2018
In today's rapidly changing world, the situation may develop in such a way that the consumer is no longer satisfied with the terms of the car loan he is paying. For such cases, Sberbank offers a loan refinancing program.
Simply put, this is the replacement of one loan with another on completely new terms. As a result of refinancing, the remaining amount of debt on the old loan is repaid by the new loan.
When is it appropriate?
- New interest rates and other conditions are significantly more profitable than the old ones. However, it is necessary to take into account all the subtleties. The costs of re-registration, assessment, and hidden commissions can negate the benefits of refinancing;
- If your personal financial situation has worsened, take out a new loan with a lower monthly repayment amount;
- If there is a need to sell a car, it is impossible to do this under the terms of a car loan, since the car is collateral. In such cases, take a consumer loan from Sberbank, but remember about the increase in interest rates;
- If the client wants to purchase a new car without closing the car loan for the old one. The bank issues a loan under the trade-in program and at the same time repays the previous loan. In this case, a car purchased earlier will be considered a down payment.
Conditions and advantages of refinancing at Sberbank
- Opportunity to take out a loan of up to 1 million rubles on more favorable terms, for a period of up to 5 years at 16% per annum.
- Sberbank offers the option of refinancing up to 5 loans simultaneously received from different credit institutions.
- No commissions, guarantors, security or collateral.
- Individual conditions for certain categories of borrowers.
- Possibility of early repayment without penalties
Important! The absence of late payments on a refinanced loan is a prerequisite. As a result of refinancing, Sberbank will repay only the amount of the principal debt; interest, commissions, insurance and other payments are paid at the expense of the borrower.
It is no secret that the majority of cars on our roads are brand new domestic or foreign “iron horses”, purchased by their owners with borrowed bank funds. This no longer frightens or surprises our fellow citizens; a financial instrument that once seemed like an outlandish beast is used easily and simply. Previously, many people preferred to either save up the required amount, which, given the cost of the car, is practically unrealistic for the majority of the Russian population, or drive old Zhiguli cars until they completely fall apart.
But banks were able to solve this problem unambiguously - why wait, take money and buy a car right today, right now, and you will pay it back in 5-7 years, although with interest, on such conditions, for example, Sberbank provides car loans to individuals and business representatives.
So, if you have finally decided to buy a new car, then it’s time for you to go to a financial institution for help, for example, take out a car loan from Sberbank or another bank. This is especially convenient and practical if your funds are enough to cover only 10%-15% of the cost of your favorite car. Specific programs for the purchase of cars of a certain brand or purpose are highlighted below, in the section entitled “Sberbank car loan offers: conditions and interest rate.” In the meantime, let’s take a closer look at the basic principles of a reasonable approach to car lending that will help you avoid becoming financially dependent on the lender.
Basic principles when choosing a car loan program
1. Assess your real financial situation
Yes, loans are distributed to almost everyone, yes, they are accessible and convenient. However, you should not succumb to inappropriate euphoria because of this. Some banks, of course, will be happy to give you a loan to buy a car, without even asking for information about your salary. But this may backfire on you, if they give you more money - this is good, but you will have to give the entire amount + interest to you and only you - this is bad. Especially if, in a conversation with a bank employee or in your fantasies, you somewhat embellished the real state of affairs.
Keep in mind that you will have to spend money not only on the car itself, but also on its maintenance, maintenance, annual maintenance and insurance. In addition, until the loan is fully repaid, you will have to regularly pay CASCO insurance, which is not so cheap.
2. The right bank means a successful loan
Deciding on the make, model and modification of the car is half the battle, the second half is to find the only correct and most profitable bank for you. It is best to first analyze the offers in the bank where you are a participant in the salary project, opened a deposit, work, took out and repaid a loan. In this case, you, for sure, as a well-established and trusted client, will be offered conditions such as, for example, for a Sberbank car loan that borrowers servicing on a general basis have never dreamed of.
In addition, significant discounts and a lower interest rate than the market average can be found within the framework of special programs designed for the sale of strictly limited brands or models of cars.
3. Collect all documents that may be useful to you at the bank
This principle may surprise you, and, indeed, it is not clear why you should bring a certificate of income, a work record book, or certificates of ownership of this or that property if the lender himself does not ask you for it.
Everything is as simple as two and two. The fact is that today you will be given a car loan with a civil passport along with your license, but it may well turn out that the rate will be prohibitively high, the maximum loan amount will be insufficient, and the penalties will be too strict. The bank takes risks without receiving all the information about the client, and therefore seeks to insure and recoup its financial risks in one way or another.
Sberbank car loan offers: conditions and interest rate
Well, now we can talk more specifically, let’s discuss the programs that the largest bank in the country offers to clients and talk about whether a car loan from Sberbank is profitable.
Bank car loan program “For the purchase of a car”
As part of this program, you can purchase a passenger car exclusively at a car dealership, but any one will do - foreign or not, new or used.
The remaining conditions in this case are as follows:
For used vehicles, age is less than 5 years for Chinese and domestic brands, less than 10 years for other brands;
The term of a car loan is from 3 months to 60 months, in other words, up to 5 years;
The lower limit of the loan amount is 45 thousand Russian rubles;
The upper limit of the loan amount is 5 million Russian rubles;
Interest on a car loan is 14.5% - 16% (the term and size of the initial client contribution are affected);
A certificate with information about income is required if your own funds are only enough for 30% of the price of the desired car.
The bank can provide the client with a loan of up to 100% of the cost of the car or only up to 85%, if there is a desire to include vehicle insurance in the loan amount. By the way, insurance is required for both the borrower and the car.
As for other requirements for the client, he cannot be less than 21 years old and more than 75 years old on the date of final and full repayment of the debt to the creditor (this also applies to co-borrowers). Registration can be either temporary or permanent, the length of service is only more than 1 year, in general, and more than six months at the last job.
In addition, it is possible to receive this car loan from Sberbank of Russia not only in rubles, but also in foreign currency. The conditions are the same, the only difference is the amount and interest rate under the agreement.
The lower limit of the loan amount is 1.4 thousand US dollars (1 thousand euros);
The upper limit of the loan amount is 150 thousand US dollars (120 thousand euros);
Percentage of own funds - from 15%;
Interest on a car loan is 11.5% - 13% (the term and size of the initial client contribution are affected);
If you contribute 30% of the market price of the car or more, then you can present very few documents - a civil passport and driver’s license (or any other document that fits the terms of a car loan at Sberbank).
In addition to this universal program in all respects, Sberbank of Russia is actively promoting various joint partnership programs to assist in purchasing a car. The point is that if you choose a car of a specific brand, you can get a more profitable loan than if you agreed to take out a loan on a general basis.
The bank’s special car loan program “For the purchase of new or used Audi cars”
This proposal is common to Sberbank and the Volkswagen FU RUS company. If you like any of the Audi models, you can save a lot on interest.
If you purchase a new car, the conditions will be as follows:
The interest rate at Sberbank for a car loan is from 13.5% to 15% in Russian rubles and from 10.5% to 12% in euros and US dollars (the term and size of the initial client contribution are affected).
For buying a used car, the rates are as follows:
The term of a car loan is from several months to 60 months, in other words, up to 5 years;
The interest rate on a car loan at Sberbank is from 14.5% to 16% in Russian rubles and from 11.5% to 13% in euros and US dollars (the term and size of the initial client contribution are affected).
If you are already a client of this financial institution - you have a deposit, receive a pension or salary on the card, then the rates will be lower by another 1%.
The bank’s special car loan program “For the purchase of new or used Kia cars”
KIA Finance has also been working successfully for a long time with citizens who are attracted by Sberbank car loans. This program is being implemented with the help of Kia Motors Rus, and is quite beneficial for fans of the Kia brand.
For those who are planning to purchase a new car, the conditions are below:
The term of a car loan is from several months to 60 months, in other words, up to 5 years;
To purchase a used Kia car, we offer the following:
The term of a car loan is from several months to 60 months, in other words, up to 5 years;
For its part, Kia Motors Rus can provide the client with additional discounts when purchasing cars of certain models and modifications.
In addition, all Sberbank clients can receive a loan without confirming their income in any way or presenting a work record book if they contribute at least 30% of the cost of the car with additional equipment from their own funds.
The bank’s special car loan program “For the purchase of new or used Seat cars”
In this case, the Volkswagen FU RUS company provides potential Sberbank clients with a chance through Seat Credit to buy a new or used Seat car.
As for terms and interest, the picture looks like this:
The car is new;
The term of a car loan is from several months to 60 months, in other words, up to 5 years;
The interest on a car loan is from 13.5% to 15% in Russian rubles and from 10.5% to 12% in euros and US dollars (the term and size of the initial client contribution are affected).
The term of a car loan is from several months to 60 months, in other words, up to 5 years;
The interest on a car loan is from 14.5% to 16% in Russian rubles and from 11.5% to 13% in euros and US dollars (the term and size of the initial client contribution are affected).
Other conditions for car loans at Sberbank are similar to those specified in the programs described above.
The bank’s special car loan program “For the purchase of new or used Skoda cars”
The Skoda car brand enjoys well-deserved popularity in our country, but, nevertheless, you still want to not only buy the car you like, but also do it in the most profitable way for yourself. The said lender offers the following conditions for a Sberbank car loan in its joint program with Skoda Credit. For certain models and modifications you can even count on a special price or discount.
The car is new;
The term of a car loan is from several months to 60 months, in other words, up to 5 years;
The interest on a car loan is from 13.5% to 15% in Russian rubles and from 10.5% to 12% in euros and US dollars (the term and size of the initial client contribution are affected).
The car is used;
The term of a car loan is from several months to 60 months, in other words, up to 5 years;
The interest on a car loan is from 14.5% to 16% in Russian rubles and from 11.5% to 13% in euros and US dollars (the term and size of the initial client contribution are affected).
The bank’s special car loan program “For the purchase of new or used Volkswagen cars”
Volkswagen cars can also be purchased by taking out a Sberbank car loan through an affiliate program. It will turn out profitable and much more reasonable than using a universal lending program at the same bank or any other. Here, too, you can choose a model from the list at a lower price than all others, and thus save even more money.
The car is new;
The term of a car loan is from several months to 60 months, in other words, up to 5 years;
The interest on a car loan is from 13.5% to 15% in Russian rubles and from 10.5% to 12% in euros and US dollars (the term and size of the initial client contribution are affected).
The car is used;
The term of a car loan is from several months to 60 months, in other words, up to 5 years;
The interest on a car loan is from 14.5% to 16% in Russian rubles and from 11.5% to 13% in euros and US dollars (the term and size of the initial client contribution are affected).
Business lending at Sberbank
Interestingly, in this bank you can get a loan for the purchase of a vehicle and for business, so Sberbank car loans are issued not only to individuals.
Bank's car loan program "Business Auto"
As part of this unique program, you are given the opportunity to buy freight vehicles, commercial vehicles (light), special equipment, trailers, and other types of vehicles that fall under the criteria of Sberbank.
The currency of the car loan is Russian rubles;
The term of a car loan is from 1 month to 84 months, that is, up to 7 years;
The lower limit of the loan amount is 150 thousand Russian rubles for agricultural producers, 300 thousand Russian rubles for other clients;
The upper limit of the loan amount is any, depending on the financial situation of the client who applied;
The percentage of own funds is 10% for the purchase of buses, agricultural machinery, freight and passenger transport;
The percentage of own funds is 20% for the purchase of other types of transport.
Keep in mind that loans are issued for 7 years only to agricultural producers, to everyone else - up to 5 years, but if your business has been operating for less than 1 year, then you will be given a loan only for 3 years.
Sberbank car loan interest rate - from 10.79% per annum (can be calculated individually);
There are no additional fees;
Deferment of debt payment - for 3 months;
Penalty for late payment - 0.1% of the amount each day of waiting;
Loan collateral - purchased transport, which must be insured, or a guarantee from a legal entity/individual.
Repayment occurs exclusively in differentiated payments - interest and principal in equal parts according to a schedule agreed upon by the bank and the client.
The loan is issued to both individual entrepreneurs and legal entities with revenues of up to 400 million rubles, with a period of business from 6 months for everyone, from 1 year for those who receive seasonal income.
Bank's car loan program "Express-Auto"
If you want to buy transport for business or personal purposes, but want to formalize the transaction as an individual entrepreneur or legal entity, then this program will definitely interest you. Although Sberbank car loans allow, as in the case above, to buy trucks and cars, commercial vehicles, special equipment, and trailers with semi-trailers with borrowed funds.
So, for those who want to take out this car loan from Sberbank, the conditions are as follows:
The term of a car loan is from six months (6 months) to 60 months (5 years);
The lower limit of the loan amount is 150 thousand Russian rubles;
The upper limit of the loan amount is 5 million Russian rubles;
The percentage of own funds is 10% of the price of the selected brand and model;
The interest rate on a car loan is 17% -17.5% (the term and size of the initial client contribution are affected);
The interest rate on a car loan is 16.5% - 17% (affected by a positive credit history with Sberbank, the term and amount of the initial client contribution)
In this case, a car loan from Sberbank is issued without paying additional fees, the applicant’s application is reviewed within 3 (three) weekdays, and the bank will accept both the guarantee and the vehicle itself as collateral.
Thus, you can acquire both a new and used car of domestic or foreign origin.
Remember that the most important thing, after you have chosen a lender and a program, is to carefully read all the documents, the text of the agreement, footnotes, applications that you will have to sign to receive a loan.
It’s worth doing this so as not to end up in an unpleasant situation later, when, with the slightest delay, the amount of your debt will increase exponentially, or when you will be forced to pay for all the bank’s services for servicing you. Or maybe the lender will change the interest rate on your car loan upward after six months or a year of regular payments.
To prevent this from happening, do as we tell you. And then buying a long-awaited car will bring you joy and pleasure, and will not result in unaffordable financial debts.
A car, as you know, is not a luxury, but a necessary means of transportation. However, in our country, not everyone can afford to buy a new car for cash. So Russians have to look for alternative ways to purchase transport.
One of these affordable ways is to buy a car through a car loan program. This service, in particular, is provided by the largest bank in the country - Sberbank. We’ll talk about how an individual, including a pensioner, can get a car loan from this bank on favorable terms and at an acceptable interest rate in this article.
Sberbank issues car loans to individuals under what conditions?
Before an individual applies for a car loan in Sberbank, you should carefully read the conditions that this financial structure offers its clients.
This year, the bank is offering its consumers loans at a fairly favorable interest rate of only 10.9%. In addition, the client has the opportunity to take advantage of services through affiliate programs that are developed jointly with vehicle manufacturers.
In this case, the maximum loan period is five years, and the amount available for borrowing should not exceed 85% of the price of the vehicle. This means that the user must pay the remaining 15 percent himself.
Conditions and interest rates for a car loan at Sberbank
Car loan Sberbank issued to individuals under the following conditions:
- loan term – from 1 year to 5 years
- loan currency – rubles, dollars or euros
- client's initial contribution – at least 15%
- interest rate – from 11.5% to 16%
In order to correctly and accurately calculate a vehicle loan for individuals (including pensioners) from Sberbank, a special online calculator has been created on the official website of this financial organization, which can be used for free at any time.
Using this tool is quite simple - you need to enter the following information in the fields provided:
- the cost of the car being purchased
- down payment amount
- loan currency
- credit term
- annual interest rate
- loan type
- payment start date
Thus, the interest on a car loan is Sberbank in 2018, an online calculator will help you calculate (accurately and quickly).
Car loan from Sberbank without down payment
Get a loan to buy a car without a down payment Sberbank will not work, since one of the requirements for the borrower is that he pays at least 15 percent of the cost of the vehicle himself.
However, an individual can contact another Russian bank on this issue.
For example, large financial companies such as:
- Raiffeisenbank (at 18.4 percent per annum)
- Rusfinancebank (at 15.5% per annum)
- Zapsibkombank (16.5%) and other organizations.
Refinancing a car loan at Sberbank - refinancing conditions
Car loan refinancing Sberbank for individuals – this is a refinancing service, which is provided under the following conditions:
- available loan amount – up to 1,000,000 rubles
- loan term – from 3 months to 5 years
- refinancing currency – only domestic rubles
- interest rate – 17% per annum
For all clients of the company who have decided to use this service, the financial institution will provide it without providing a document on work experience and a certificate of income.
Car loan for pensioners at Sberbank - conditions and interest rate
If the borrower is a pensioner, then for him the terms of lending are practically no different from providing a loan to ordinary citizens. The only restriction is the maximum age limit.
A pensioner who decides to borrow money from a financial institution to purchase a car must be no older than 65 years old at the time of concluding the contract.
All other conditions for it are standard:
- When concluding a contract, you must provide two documents - a passport and a pension certificate
- if the pensioner himself can pay a contribution of 30% of the cost of the car, then the bank will not require guarantors
- the smallest down payment - 15% of the vehicle price
- service provision period – maximum 5 years
- interest rate for pensioners – from only 13%
Loan terms | From 1 to 84 months 1 |
Interest rate | |
Loan currency | Russian rubles |
Minimum contribution | 10% - for borrowers engaged in agricultural activities when purchasing new vehicles/equipment; |
Deferment of principal debt | Up to 3 months 3 |
Amount of credit | From 150,000 rubles - for agricultural producers, from 500,000 rubles - for other Borrowers. The maximum amount is limited only by the financial condition of the Borrower |
Security |
|
Loan fee 4 | Absent |
Fee for early repayment of loan 4 | Absent |
Insurance | The purchased vehicle is subject to compulsory insurance |
Penalty for late transfer of loan repayment or interest payment | 0.1% of the amount of overdue debt. It is calculated on the amount of the overdue payment for each day the payment is late. |
1 For agricultural producers, the maximum loan period is 84 months. For all other enterprises with a period of activity of more than 12 months, the maximum loan period is 60 months; for all other enterprises with an operating period of less than 12 months, the maximum loan period is 36 months.
2 This interest rate is valid for a loan term of 60 months. and the loan amount is more than 5 million rubles. The final interest rate is set individually and depends on the financial condition of the borrower, the term and amount of the loan, as well as the collateral provided. You can obtain detailed information about the loan products of Sberbank PJSC for small businesses, loan conditions and documents required to obtain a loan at the Bank's branches serving legal entities and individual entrepreneurs.
3 The maximum deferment amount for certain categories of Borrowers is indicated. The final amount of the deferment of repayment of the principal debt is established individually for each Borrower and depends on his solvency and credit history with the Bank for previously issued loans to legal entities.
4 From February 3, 2014, there are no fees for issuance or early repayment. When receiving loans in the form of a credit line with a free withdrawal schedule, a commission is provided for the unused limit, the minimum commission amount is 2% per annum of the amount of the unused limit, the maximum amount is set individually.
In 2017, the bank offers a large selection of car loan programs. Many Russians will find acceptable conditions here that they can take advantage of.
For many years, Sberbank was among the leaders in car lending. However, since 2015, offers for car loans have not been published on the bank’s official website. This is due to the fact that in 2014 these functions were transferred to Setel Bank. This is a joint brainchild of Sberbank and BNP Paribas Personal Finance, within the framework of which Sberbank’s car lending business is now carried out.
Let's take a closer look at the loan programs for purchasing a car that this banking institution offers.
Conditions for car loans from Sberbank of Russia
All Cetelem Bank car loan programs are divided into two types: “Classic” and “Express”. They have differences in lending conditions, so you should know how they differ.
Clients who want to obtain lending conditions under the Classic program must provide the following documents:
- second, at the client’s choice from the list: international passport, driver’s license, TIN, state pension insurance card);
- confirming income (form 2-NDFL, in free form, 3-NDFL, tax return - for individual entrepreneurs);
- a copy of the work book certified by the employer;
Borrowers interested in lending under the Express program must provide:
- civil passport of a citizen of the Russian Federation;
- the second, at the client’s choice from the list: international passport, driver’s license, TIN, state pension insurance card;
- military ID - only for men under 27 years old.
The monthly payment amount depends on:
- tariff plan;
- loan amount;
- loan term.
Penalties for late payments amount to 0.1% of the overdue debt for each day of violation of obligations.
A vehicle purchased using loan funds can serve as collateral.
For all credit products of this tariff plan, except those “without CASCO”, the borrower is required to take out a car insurance contract for at least one year. The policy must include the risks of “Total loss”, “Theft” or “Theft”. The insured amount must be no less than the amount of the claim secured by the tax. In the event that claims exceed the value of the car purchased on credit, the sum insured must be equal to the actual value.
The beneficiary of the above risks will be the bank, in the amount of the debt outstanding by the client under the loan agreement. The insurance contract must be concluded with an insurance company that meets the requirements of Cetelem Bank. The list of such insurance companies is posted on the bank’s official website.
Full table of car loan programs 2017
The name of the program | Minimum interest rate (% in year) | Loan amount (thousand rubles) | Loan term (years) | Without confirmation income in the amount of up to (thousand rubles) | Minimum original contribution (%) |
Ford Credit (used without CASCO) | |||||
Ford Credit (used) | |||||
Moto (without CASCO) | |||||
Affiliate (Chevrolet Niva) | |||||
Affiliate (FAW) | |||||
Affiliate (Ford Mondeo, Ford Kuga, Ford Explorer, Ford Focus, Ford EcoSport, Ford Fiesta) | 2000 (except for the Ford Explorer model, for it) | ||||
Affiliate (Ford Transit, Ford Transit Custom, Ford Tourneo Custom) | |||||
Affiliate (Forton) | |||||
Affiliate (Geely used) | |||||
Affiliate (Hyundai, KIA used without CASCO) | |||||
Affiliate (Hyundai, KIA used) | |||||
Affiliate (Hyundai, KIA) | |||||
Partner (KIA Rio, KIA Cee’d, KIA Soul, KIA Cerato, KIA Sportage, KIA Sorento Prime) | |||||
Partner (Lada Vesta, Lada Granta, Lada X-Ray, Lada Largus) | Proof of income required | ||||
Partner (Lada), except Vesta, Granta, X-Ray, Largus | Proof of income required | ||||
Affiliate (Lifan, Geely) | |||||
Partner (Opel, Chevrolet) | |||||
Affiliate (Porsche, Bentley and Lamborghini used) | |||||
Affiliate (Porsche, Bentley and Lamborghini) | |||||
Affiliate (Ravon) | |||||
Affiliate (Subaru) | |||||
Affiliate (Volkswagen, Audi, Skoda, Seat) | |||||
Partner (GAZ) - commercial vehicle | |||||
Partner (UAZ) | |||||
Affiliate: Subsidized (Chevrolet Niva) - 2016-2017 model years | Confirm income required | ||||
Affiliate: Subsidized (Hyundai, Kia without CASCO) 2016-2017 model years | From 100 thousand rubles, car cost. up to 1.15 million rubles | Confirm income required | |||
Affiliate: Subsidized (Hyundai, Kia) 2016-2017 model years | From 100 thousand rubles, car cost. up to 1.15 million rubles | Confirm income required | |||
Affiliate: Subsidized (KIA Rio, KIA Cee’d, KIA Soul, KIA Cerato, KIA Sportage) 2016-2017. release | From 100 thousand rubles, car cost. up to 1.15 million rubles | Confirm income required | |||
Affiliate: Subsidized (Lada), 2016-2017 model year | 100-900, car cost. up to 1.15 million rubles | ||||
Affiliate: Subsidized (Opel, Chevrolet) 2016-2017 model years | From 100 thousand rubles, car cost. up to 1.15 million rubles | Confirm income required | |||
Partner: Subsidized (GAZ), commercial, 2016-2017 model year | From 100 thousand rubles, car cost. up to 1.15 million rubles | Confirm income required | |||
Partner: Subsidized (UAZ without CASCO), 2016-2017 model year | From 100 thousand rubles, car cost. up to 1.15 million rubles | Confirm income required | |||
Affiliate: Subsidized (UAZ), 2016-2017. release | From 100 thousand rubles, car cost. up to 1.15 million rubles | Confirm income required | |||
Standard - for foreign or father. automobile | |||||
Standard - commercial vehicle - for foreign. or father. automobile | 2-5, for auto edema. and Chinese - 4 | Up to 2 million - for foreigners, up to 1.5 million - for domestic ones. | |||
Standard - commercial vehicle State program - for foreign. or father. automobile | Confirm income required | ||||
Standard State program - for foreign. or father. automobile | From 100 thousand rubles, the cost of a car is up to 1.15 million rubles. | Confirm income required |