Rus car loan. Car loan programs from Russian Standard Bank for careful drivers and extreme sports enthusiasts
Russian Standard is a bank that today is one of the leaders in lending to the population. Among its products, it gives a special place to car loans. Thanks to its unique proprietary practice of creating customer credit histories and using a system for assessing their solvency, Standard Bank has more than 23 million customers.
Advantages of car loans in Russian Standard
Almost all major car dealerships cooperate with a bank, so you can immediately find a banking agent on the spot. Very often, the salon employees themselves have the authority to perform the functions of bank representatives and provide you with a car loan.
You can take out a loan in rubles, which is an important factor, and easily choose an option that suits you in terms of amount, repayment period and interest rate. “Russian Standard” is a bank that guarantees an individual approach to the client and, among a wide selection of programs, will select the car loan that suits him best. For example, if you are into extreme sports and dream of your own ATV, then the “Sports and Extreme” offer is ideal for you.
If you decide to take out a loan to buy a car, Russian Standard Bank will offer you several current programs. Another pleasant point that makes it easier to obtain the required amount is that you do not need to be registered in the region where you are receiving a car loan. It is quite enough if the client has permanent registration where Russian Standard Bank has its representative office.
Car loan programs from Russian Standard
Car dealerships that are partners of the bank offer their clients a wide selection of programs, among which you can choose the one that suits you best:
- "Sports and Extreme". Will interest fans of extreme sports. Car loans apply not only to sports cars, but also to motorcycles, scooters, and snowmobiles. You can even buy a boat! The loan repayment period is from 12 to 24 months. The down payment will be 10% of the cost of the vehicle. The interest rate is 36% on the balance of the car loan. There is a pleasant opportunity to repay ahead of schedule and does not require any commission. No income certificate is needed, just show your passport.
- “Light” is a program through which you can buy both a completely new and a used car. With a down payment of 10%, you have access to any amount ranging from 50,000 to 450,000 rubles for up to 5 years. The interest rate will be 11.99% per annum plus a monthly service fee. If you choose this program, the vehicle will need to be insured. As in the “Sports and Extreme” program, the client can pay the bank ahead of schedule. An income certificate is also not needed.
- “Lite +” differs from the previous product in the speed of receipt: at the car dealership, the client will receive a loan in just an hour. But this time a certificate of income will be required. This can be either form 2-NDFL, or a form proposed by the bank itself. The loan is provided for any amount ranging from 150,000 to 600,000 rubles. The repayment period is no more than 5 years at 29% per annum. The down payment will be 10% of the cost of the car.
- “Auto One to One” will allow you to choose and purchase a new car from both domestic and foreign automakers. Applying for a loan is quite quick and simple. This can be done right at the car dealership. No need for life insurance. You can repay the loan through an ATM; no commission is charged. There will also be no bank commission for processing the loan, and debt repayment under the program can be completed at any time. By the way, a guarantee, as well as the written consent of the second spouse, is not required, which greatly simplifies the procedure.
Car loans from Russian Standard Bank are a simple and affordable way to make your dream come true!
Russian Standard Bank was founded in 1999. In a relatively short period of time, the credit institution managed to gain the trust of consumers and significantly increase its rating.
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The main lending programs are express loans issued directly in the organization’s partner stores. However, car loans also have their place.
Existing programs at the bank
Under existing bank car loan programs, you can receive funds for both the purchase of a new and used car.
Currently there are programs such as:
- Light;
- Light +;
- Available car;
- Auto one to one;
- Sports and extreme.
The first four programs provide exclusively for the purchase of cars, and under the “Sports and Extreme” program you can buy not only a car, but also a motorcycle, scooter, snowmobile, ATV, that is, equipment for extreme sports.
Conditions
Loan conditions for all programs are different. Comparative characteristics of the main conditions are given in the table:
Program | Amount, rub./Term, month. | Loan payment, % per year | Additional Information |
Light | 50 thousand – 450 thousand/3 – 60 | 11.99 + monthly bank commission | — Insurance; — the possibility of receiving without income certificates; — down payment from 10% |
Light + | 150 thousand – 600 thousand/no more than 60 | 29 | — down payment from 10%; — CASCO; - a certificate of income received is required |
Available car | Up to 500 thousand/up to 60 | from 19 | — CASCO; — car deposit |
Auto one to one | — No down payment up to 500 thousand; — up to 3 million/6 — 60 |
from 19 | — buying a car through a car dealership; — used domestic cars no older than 5 years; — foreign cars not older than 7 years; - new cars |
Sports and extreme | 10 thousand – 300 thousand/12 – 24 | From 36 (calculated exclusively on the balance of the loan amount) | No proof of income |
As can be seen from the table presented, the mandatory conditions when purchasing a car are:
- an initial fee;
- CASCO registration;
- pledge of the purchased car.
You can purchase a used car using all car loan programs, but:
- the age of a car produced by a domestic manufacturer should not exceed 5 years;
- The age of a foreign-made car must be no more than 7 years.
To reduce the risk of non-repayment of car loans, the bank provides for the accrual of penalties for late payments.
In this case, the fine is charged in a fixed amount, regardless of the amount of debt:
Who can become a client
A Russian Standard car loan online or at a branch of the organization is issued to people who meet the following bank requirements:
- the person’s age must be between 25 and 65 years;
- the client must be a citizen of the Russian Federation and have permanent registration in any region where the bank has a representative office;
- the person being borrowed has a cell phone (numbers of close relatives can be provided) and a landline number where he can be contacted.
Advantages of Russian Standard Bank
The bank’s significant advantages over other credit institutions engaged in car lending are:
- scheme for calculating interest on issued car loans. In most programs, interest is calculated monthly and only on the remaining amount of the debt;
When receiving a small amount and for a long period of time, this scheme will allow you to significantly save on interest. And with partial or full early repayment, which is possible only after submitting a preliminary application within at least 30 days, you can reduce the total cost of the loan as much as possible.
- the presence of several different car loan programs allows you to choose the most favorable terms for a loan for the purchase of a car;
- a large number of car dealerships - partners of the bank, where you can purchase a car. In most cases, representatives of the institution are the managers themselves, who will help you decide on a loan product, calculate the cost of a car loan and prepare all the necessary documents. This allows you to save time on moving around the city, since in order to obtain a car loan you need to go through the appropriate approvals with the credit institution;
- A large number of people can get a car loan. Bank requirements are minimal. Moreover, some programs do not require confirmation of the official income of the person being loaned;
- the opportunity to obtain all information about the loan online. When issuing a car loan, a person receives a password to access his personal account located on the institution’s website. Your personal account contains information about the loan issued, with all the conditions and methods of repayment. From your personal page you can apply for early repayment (without visiting the bank office) and use other services provided by the organization;
- the issue of issuing a loan is resolved quickly. In most cases, this takes from several hours to 1 business day;
- When applying for a car loan, a person can, if he wishes, additionally apply for a bank credit card with a certain cash limit.
- Credit cards also have a grace period (interest-free). Funds from the card account can be used for any purpose;
- If desired, the borrower can use the additional service “Selecting a payment date”, the cost of which is 100 rubles. The main condition is that the payment date cannot be set earlier than 15 days from the date of receipt of money and no later than 45 days from the same date.
What you need to apply for a car loan
The main documents for obtaining a car loan from Russian Standard Bank are:
- passport;
- an additional document proving the identity of the person being credited (driver’s license, foreign passport, TIN, etc.).
If the main condition of the loan is confirmation of income received, then you can choose from:
- issued at the place of work;
- a certificate in the bank form, certified by an authorized representative of the employer;
- an extract from a personal bank account, which can be used to judge the income received.
The above documents are required to obtain pre-approval for a car loan.
To conclude a loan agreement you will need:
- passport;
- car purchase agreement;
- certificate of payment of the down payment;
- invoice for the purchased car.
All documents, with the exception of a passport, are issued by the manager of the car dealership where the car is purchased.
Since the purchased car is pledged to the bank until the loan is paid in full, the following are additionally provided:
- PTS of the car. The document is issued at the car dealership. The PTS contains information about the owner of the car. This document is kept in the bank and returned to the owner after the loan is repaid;
However, it is worth remembering that the document is transferred to the bank only after completing the procedure of registering the car with the traffic police.
- a copy of the car registration certificate;
- a copy of the CASCO policy.
At the request of bank employees concluding a car loan agreement on behalf of a credit institution, it is necessary to provide other requested documents.
Agreement
The car loan agreement is concluded between the bank and the client in 2 copies. The document must contain the following information:
- about the lender (Russian Standard Bank with all details) and the person being credited (including passport details and contacts);
- about the conditions of the issued car loan. This includes information about the amount, term, interest rate, and the car being purchased;
- about the rights and obligations of the parties;
- about penalties;
- on the procedure for considering disputes that arise.
The loan agreement is also the basis for opening and maintaining a personal bank account, to which the loan amount will be credited and from which monthly payments will be debited.
Payment for the purchase of a car is made only after a written statement from the account holder about the expenditure of funds.
Created in 1999, Russian Standard Bank CJSC is gaining momentum in its activities every year. Today, branches of the institution are located in more than one and a half thousand settlements of the country. The bank's clients are about 25 million citizens. They are attracted by affordable lending conditions, low interest rates, as well as a variety of programs, among which there is sure to be one that will satisfy the needs of the most demanding borrower.
All of the above advantages also apply to car loan projects. A car loan in the Russian standard can be obtained for the purchase of both a used and a new car, a foreign car or a domestic car. Today the bank operates the following programs:
- "Light";
- "Light+";
- "Sports and Extreme".
One of the main advantages of Russian Standard Bank is the ability to apply for a car loan via the Internet. The online service means that the client, having left a request, can receive a response on the same day. And the loan amount is for the next one. This is an indisputable advantage of taking out a loan. Thanks to this, there is no need to waste time going to the bank office. Moreover, you can submit an application online around the clock.
On the bank's website you can calculate what the monthly loan payment will be, as well as the amount of the down payment. A virtual calculator is used for this. With its help, you can better assess the financial costs of each program.
Loan for extreme sports enthusiasts
Russian Standard Bank has a unique program, by becoming a participant of which you can get a car loan for sports vehicles. For example, a snowmobile, ATV or motorcycle. This offer will certainly be of interest to young people who are interested in extreme sports. Applying for such a loan is quite profitable, since the purchase amount is not so high. By offering such a loan, the bank won doubly: it attracted the attention of a new segment of clients and expanded its credit line.
The undoubted advantage of the project is that it can be obtained quite simply. To do this, you need to contact a car dealership where an agent of Russian Standard Bank works. He will help you complete the purchase of a vehicle on the same day. It is enough to have a passport with you. There is no need to confirm income and enter into a car insurance contract.
True, the interest rate on the loan is 36% per annum, and its term is no more than a year. An online loan calculator will help you find out how large the overpayment will be. The contract stipulates, and this, of course, is a plus. You can borrow from 10 to 300 thousand rubles. For clients who love sports, purchasing a vehicle under this project is an excellent opportunity to make their dreams come true.
Easy and even easier
And yet, most clients turn to Russian Standard Bank to obtain a car loan for the purchase of an ordinary passenger car. The Light program helps with this, thanks to which you can become the owner of a used or new car. If we are talking about a used car, then its value under the terms of the contract cannot be more than 450 thousand rubles. The minimum loan amount is 50 thousand rubles. Terms of the Light program:
- interest rate – 11.5%;
- down payment – no less than 10%;
- term – up to 5 years;
- monthly fee of 0.99% of the remaining debt;
- documents: passport and income certificate;
- mandatory registration of a CASCO car insurance contract;
- After making the first monthly payment, you can repay the loan early.
Similar conditions for obtaining a loan under the “Light+” credit program. Its advantage is efficiency. A car enthusiast can choose a car at any dealership that cooperates with Russian Standard Bank, and immediately apply for a car loan here. To do this, he will need a certificate of income 2 personal income tax and a passport. The loan can be in the amount of 150 to 600 thousand rubles. The main condition is the availability of funds to pay the down payment, which is at least 10% of the cost of the car.
The maximum period for which a loan can be issued is 5 years. The interest rate on the loan is rather high - 20% per annum, but it is justified by the prompt processing. This option for purchasing a car will appeal to those who value their time. A virtual calculator located on the bank’s website will allow you to calculate payments online.
Buy a car for cash
Thanks to Russian Standard Bank, you can purchase a car not only by using car loan programs. The institution offers a cash loan. They can be spent at your discretion, including on the purchase of a vehicle. One of the most popular options for receiving cash is the “Million Loan”. A participant in this project can borrow up to 3 million rubles. The minimum amount is 300 thousand.
Loan term: from 6 months to 4 years. The agreement provides for an interest rate of 19% per annum. The indisputable advantage of this banking product is the speed of registration: the entire procedure (from submitting an application to receiving the loan amount) can be completed within a day. In this case, the funds are transferred to a special card. Monthly payments will be made from it.
So that the borrower can understand his financial capabilities to repay the loan, a special calculator is posted on the bank’s website. By filling out the necessary fields, you can find out what the monthly loan payment will be. You should not consider options in which this amount exceeds 40 percent of the family budget income.
Today, Russian Standard Bank has a unique practice of creating a credit history of clients, using a system for assessing the solvency of borrowers, and is a leader among private banks in Russia in terms of the volume of loans issued.
The number of loans issued has already exceeded the amount of 25 billion dollars, and under programs for issuing loans to the population, more than 23 million people have become bank clients!
What are the advantages of a car loan at Russian Standard?
There is a choice among ruble car loans, varying in terms, amounts and interest rates;
To purchase a car, you simply come to the car dealership, apply for a loan with an authorized representative of the bank, and the car is at your disposal;
Russian Standard Bank has a huge range of car loan offers.
Programs:
Car loan program “Sports and Extreme”: for fans of extreme sports. In addition to a car, you can purchase any type of transport - a moped, motorcycle, snowmobile, boat, etc. The loan is issued at any car dealership where there is an authorized car dealership employee or a bank agent.
For a loan amount of 10 thousand to 300 thousand rubles, the down payment amount is 10% of the cost of the equipment itself. At an interest rate of 36% per annum, the loan is issued for a period of one to two years. In addition, the borrower has the opportunity to repay the loan early without commission. To apply for a loan, you only need to provide a passport, a certificate of income is not required;
“Light” car loan program: for the purchase of both a new and used car. Under this program, for a loan amount from 50 thousand to 450 thousand rubles, the down payment amount is from 10% of the cost of the car. The loan is issued for a period of up to 5 years with an interest rate of 11.99% per annum.
In this case, car insurance is required, and a service fee is charged - 0.99% of the loan amount monthly. No income certificate is required. For example, a loan was issued in the amount of 250 thousand rubles for a period of three years, the first installment will be 25 thousand rubles, and the minimum monthly payment is 9,700 rubles.
The borrower has the opportunity to repay the loan early at any time. The list of car dealerships that provide loans is posted on bank websites;
“Light+” car loan program: at a car dealership, a loan is issued in one hour. To do this, you must provide a certificate of income, form 2-NDFL, or a bank form. The loan can be issued in an amount from 150 thousand to 600 thousand rubles for a period of up to 5 years. The down payment is paid in the amount of 10% of the cost of the car.
The interest rate will be 29% per annum. For example, if the cost of a car is 500 thousand rubles and the loan period is five years, the borrower deposits 50 thousand rubles and pays an average of 14,280 rubles monthly;
“Auto One to One” program: You can purchase a new domestic or foreign car. You can also purchase a used domestic car no more than five years old or a foreign car up to seven years old. The loan is issued in an amount of up to three million rubles.
There are no life insurance obligations, registration is simple and quick - come to the car dealership and get a car loan. You can make loan payments through ATMs, without commission. The bank does not charge a loan application fee, and repayment of the “Auto One to One” loan is possible at any time without penalties.
Moreover, there are no penalties for the first missed payment. I am pleased that there is no obligation to provide a certificate of income, guarantors, written consent of the spouse; registration is not required in the region where the loan is issued; permanent registration in any of the regions where Russian Standard Bank is located is sufficient. The benefit of a ruble loan is that there are no foreign exchange costs.
What do you need to know when applying for a car loan at Russian Standard?
Your age should not exceed 65 years, but should not be younger than 25 years;
Mandatory possession of a general passport of the Russian Federation, as well as permanent registration at the place of residence in Russia ();
Mandatory registration of the employing company (or its representative office, branch) or PBOLE in the region in which you live;
You have a home phone (personal, perhaps the phone of your immediate family - for example, children, parents) and a landline work phone (personal, secretary or HR department).
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