You will need

• -passport or other identification document
• - certificate of income 2-NDFL (not in all banks)
• - questionnaire - application (the established sample is issued at the bank)
• - certificate of income of the spouse or spouse (not in all banks)

Instruction

Related videos

Sources:

• Car loan calculator in 2019

If you used the services of a bank and took credit It means that a major purchase has appeared in your life. Most often, cars are purchased with the help of this. This is very profitable and effective: you do not need to collect money to buy an iron horse for many years, but you can buy it right away. The question invariably arises that it is much easier to take money from the bank than to give it away. No wonder they say that it's easy to take other people's money, but it's hard to give your own. To pay credit behind car not easy.

You will need

• - money;
• - loan agreement.

Instruction

Cash payment. This is the most common way among. With a monthly payment, you need to come to the bank and provide information about credit nom contract. You need to tell the teller the date of the contract, its number and the amount of the monthly payment. Your passport is not required for this bank operation, or it is asked very rarely. In theory for credit Any person can pay instead of you: he needs to have on hand the data of the agreement with the bank and the necessary cash.

At the bank, you give the cashier the contract, specifying the amount that you deposit as repayment. You will be issued two copies of the fee payment receipt, which will indicate the amount paid and the date of settlement with the bank. Carefully read the information on the receipts, check all the data and sign both copies of the receipt. The bank employee certifies the transaction with the seal of the bank and divides the receipts: one copy remains for the bank, the second for you.

Payment. This payment method for car convenient for those people who do not like to stand in long lines at the bank. If it's easier for you to pay or , then you only need to know the number credit nogo agreement or account. You select the function of making a payment and look for the "Credits" section. Choose the bank you need, enter the contract number and specify the payment amount. Confirm the payment and receive a payment receipt indicating the amount.

Be careful when entering data into an ATM or information kiosk in order to pay exactly your credit. Modern payment systems have the "Save payment data" function - at the first payment, you enter the contract data yourself, the contract number and amount are remembered by the ATM, and during subsequent operations you simply select the saved payment data. This feature facilitates subsequent payments credit but for car.

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note

If a failure occurs while working with an ATM or information kiosk, report it immediately to the bank.

Useful advice

To ensure that you pay your car loan on time, keep your receipts and checks. If you have any questions from the bank, you can always present your payment documents. Store and collect all receipts until full repayment.

Despite the global financial crisis, major banks have remained afloat and continue to actively offer credit programs. A car loan is a targeted loan, so the average rate for it is lower than for consumer loans. Apartments, cars and many other large purchases, with a competent approach, are still profitable to purchase on credit.

Instruction

Visit car dealerships, specialized car fairs. Select several car models for analysis, based on cost parameters and loan terms.

Gather reputation and credit scores at several major car dealerships. A number of banking institutions operate under a preferential government loan program. Ask for a model contract to study. Take advantage of the detailed advice of several loan officers, but do not make a decision right away.

Please note that the interest rate is not fixed in the agreement, as it depends on the following criteria: the amount of the first installment (the larger it is, the lower the percentage), the loan term, the type of currency. Pay a larger upfront and reduce not only the base payment, but also the overpayment. Experts recommend using a loan in the national currency due to the unstable global financial market.

Prepare a standard package of documents, fill out an application, after a while you will receive a reliable and faithful assistant - automobile. Pay, re-register it or take another car, returning the old model to the salon.

You can get a targeted car loan from almost any bank. car loan helps to become the owner of a brand new car in a matter of days and frees you from long-term savings. To buy a car on credit most profitably, you should familiarize yourself with all the offers of regional banks and have a certain amount to make a down payment for the purchase.

You will need

• - application form;
• - A package of documents for obtaining a car loan.

Instruction

You can get profitable if you have a large enough amount to make a down payment. The higher it is, the less interest will be charged on the loan. Without a down payment for the purchase of a car, the interest rate of the loan will be maximum.

The bank takes into account the solvency of the client. If you have the opportunity to submit a certificate of income of the unified form 2-NDFL, and only working citizens who are paid a “white” salary, and not in an envelope, can do it. In the absence of a 2-NDFL certificate, you will not be denied a loan, since the bank always allows the client to submit a certificate in the form of a credit institution, but the interest rate will be maximum.

If you own real estate, have no dependents, or are ready to pledge valuable property against the security of an issued loan, the interest rate on the loan will also be minimal.

The car purchased on credit will be owned by the bank all the time until the full repayment of debt obligations. Although not all banks offer such conditions. But in any case, a car is not a liquid property of high value, unlike real estate, so its pledge is unlikely to reduce the interest rate.

You can get the most profitable car loan at the bank whose regular customer you are, namely, if you have already received consumer or mortgage loans more than once and successfully repaid them. For reliable borrowers, the interest rate is always the lowest.

To directly apply for a loan, you will need to contact the selected bank with a passport, fill out a questionnaire, and present a certificate of income. Some banks ask for additional documents if the car loan amount is large enough. For example, they may request a certificate from a narcologist and a psychiatrist, a certificate confirming the experience, etc.

Related article

Favorable conditions for car loans consist not only of a low loan rate, but also of other important conditions: from loan terms, commission fees, insurance, and so on. In addition, it is necessary to pay attention to other factors, such as early repayment of the loan, the time allotted for making a decision, the number of documents. Therefore, first you need to find a suitable bank, and only then choose a car and a car dealership with which the selected credit institution cooperates.

Requirements for a future borrower

At first glance, it seems that all car loan programs are the same. They provide almost equal conditions and requirements for borrowers.

Each borrower must meet the following requirements:
- the age of the borrower ranges from 18 (sometimes 21 years) to 61 years.
- work experience from 1 year.

However, many banks meet the needs of their borrowers and soften these conditions by allowing a working pensioner over 60 years of age to apply for a loan.

Fast processing of the application

Deadlines may vary from bank to bank. It varies from several hours to 5 days. Usually the final decision is made within 2-3 days. And do not forget one important point: the lower the loan rate, the longer the application processing time. This is due to the fact that banks are trying to minimize risks and check the reliability of the client.

Maximum car loan

Choose banks that issue large sums for the purchase of a car (from one and a half to two million), because this indicates the reliability and solidity of the credit institution.

Securing a car loan

Each credit institution seeks to reduce risk. Therefore, banks require that the future car be registered as collateral. Or the terms of the loan require a guarantee. Choose the most optimal solution for you, because it may be easier for you to register a car as a pledge than to look for guarantors.

An initial fee

Find that credit organization for processing a loan that will suit you with a down payment. In many banks, this amount is 20-30% of the loan amount. Depending on the preferred lending program for some lenders, this figure can range from 0% to 50%.

Interest rate

Depending on the type of car loan chosen and its term, the rate will differ. In addition, the interest rate of lending depends on the down payment and the choice of the period in which the loan will be paid. The shorter the term, the less interest you end up paying.

There are also other criteria, such as commission fees or car requirements, so before finally making a decision and settling on a particular bank, you should familiarize yourself with their offers.

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There are quite a lot of situations when a new loan may be required to pay off the old one, and therefore today many banks offer their customers to pay off their debt to financial institutions on very favorable terms.

In order not to spoil your credit history and get out of the difficult situation of paying off the previous overdue loan, you can apply for a new, cheaper loan.

Today, refinancing or refinancing is a common way to lower the rate on a loan, increase the terms, reduce the amount of payments, change the currency, and also apply for one loan instead of several.

There are banks that offer consumer loans in cash or non-cash, which can be used for their own purposes, for example, for a mortgage or a car loan, including to repay a previously taken loan from another bank.

But refinancing a loan has its own difficulties. It should be borne in mind that the bank chosen to pay off your debt will re-evaluate your solvency. A package of documents is required. If you urgently needed funds and took out an instant loan that only required a passport, then a new loan may also require an income statement and a guarantor. As well as a certificate of the amount of credit debt, taken from the bank where the loan was originally opened.

For refinancing a loan, the usual parameters are considered, as for obtaining a regular consumer loan. Work experience must be at least six months to a year at the last place of work. The salary level required varies widely, depending on the amount provided. Banks will take into account your marital status, the number of minor children, your credit history. Some financial institutions may provide unsecured loan refinancing, but most banks will still require guarantors or collateral for property such as a car.

Usually banks consider your loan refinancing application from 2 to 5 days, while some others can already issue a loan in a few hours. The term of the loan provided to repay the debt is usually longer than conventional lending - from 5 to 7 years. It should be borne in mind that the longer the loan term, the greater the amount of overpayment.

It is necessary to find out in advance the conditions for early repayment of a new loan, since some banks may charge penalties for this.

When the final loan is reissued, the client will pay a lower interest rate. It is considered profitable if the interest rate on a new loan is at least 2 percentage points lower than the previous one.

Thus, an important condition for obtaining funds for refinancing a loan is a good credit history, as well as the absence of overdue payments on a previous loan.

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In order to become the owner of the coveted car, you only need to apply for a loan. Many are afraid of the very word credit. But the desire to own a car outweighs the fear of having a car loan. And now you are already sitting at the table at the loan officer, and we listen carefully to his questions, answering them not always in the way that would be necessary.

Sometimes a person who comes for a car loan does not understand the loan officer at all. He only thinks about signing everything as soon as possible and, having received the keys to the car, they will happily rush home. And then comes the retribution for the hasty decision. It turned out that the loan is difficult to repay, as the interest rate on the loan is high. Whatever happens, let's take a closer look at this alluring term "Auto Loan".

The main thing that needs to be done is to decide on the brand of the car. The price of the car must be realistic enough for the borrower's income. The borrower must clearly understand that he will pay the bank not the amount indicated on the price tag in the car dealership, but much more. Now you need to decide on the amount of the down payment. The amount of the down payment determines the interest rate on the loan. That is, the higher the installment on the loan, the lower the rate on the loan.

You can get a car loan without a down payment, but then the loan rate will be higher. If the future borrower is officially registered at work and can take a certificate of income from work, then you can get a loan at a lower rate. The bank, having considered all the submitted documents, makes a decision on issuing a loan. The financial institution issues a letter of guarantee to the borrower with the amount of the approved loan. Taking this letter, the borrower goes to the car dealership for the car he likes. There, a contract for the sale of a car is concluded, an initial payment is made and an invoice is issued for payment.

Now the borrower returns to the bank and gives to the lender: the contract of sale, the invoice and the receipt of the down payment to the cash desk. It remains only for the borrower to sign the loan agreement. The bank will transfer the money to the salon and issue a payment order to the borrower. With a payment order, you can go to the salon for the car. Yes, the process is long. May take several days. But in that case, there is an opportunity to decently save on interest. If the future borrower cannot provide a salary certificate from the place of work, then it makes sense to apply for a loan immediately at a car dealership. Now in every car dealership there are representatives of several banks at once. They are very knowledgeable and competent.

In the case of applying for a car loan in the salon, you need to focus not so much on the interest rate, but on the amount of the monthly installment. The amount of the monthly car loan installment must be acceptable to the borrower. That is, the monthly income should be enough not only to pay the loan, but also for other urgent needs of the borrower. Many are afraid of long loan terms and large overpayments. But in the absence of a permanent guaranteed monthly income, it makes sense to consider a longer loan. Then the amount of the monthly installment will be much less.

And another equally important issue when choosing a car loan: this is the registration and payment of CASCO. Some banks offer their customers to apply for a loan without CASCO. But in this case, the interest on the loan will be much higher.

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Tip 9: How to choose the right car loan for 1 million rubles

Buying a car on credit is very easy. You don't need to have a lot of money for this. As a rule, the down payment is 10 - 20% of the cost of the car. The hardest part will be later, when it's time to repay this loan. It is good if your financial condition increases, but what to do with a decrease in income. When choosing a loan, it is important to take into account not only the loan amount, interest, payment amount, but also financial risks.

Often the desire to drive a new car makes people do stupid things. Without considering his financial situation, a person buys a new car on credit. After a while he has nothing to pay and he sells the car. To prevent this from happening, you need to choose the right loan, as well as prepare your financial protection.

When choosing a loan, I recommend considering 3 options. These are favorable credit, conservative credit and safe credit. The repayment amounts for these loans vary. A profitable loan has a small overpayment, but a higher risk. A secure loan will allow you to live more comfortably, but the interest payments will be substantial.

Let's take a closer look at each option. For calculation, consider a car worth 1,000,000 rubles. We will not consider an aggressive loan option, when you have only 100,000 thousand rubles on hand, and the rest is a loan. Not everyone will be able to pull the monthly payments in the amount of 30,000 rubles. It would be most correct and reasonable to accumulate a certain amount of money, and only then apply for a loan. Let's say you sold an old car and saved up some money. And your capital is 500,000 rubles.

A favorable loan is issued for a shorter period, respectively, high monthly payments. Due to this, the overpayment will be minimal. Under a short term loan, a period of up to 3 years should be considered. The most profitable loan is a car loan, as the interest on the loan is significantly lower than that of a consumer loan. As a rule, when applying for a car loan, a CASCO is required. But there are banks in which CASCO registration is not a prerequisite. An auto loan will be the most profitable loan, with minimal interest and a small overpayment.

For the calculation we use the credit on the website www.calculator-credit.ru. Let's enter the following parameters: the loan amount is 500,000 rubles, the loan term is 36 months, the interest rate is 11%.

The monthly payment will be 16,369 rubles, the overpayment of interest will be 89,297 rubles.

When applying for a car loan, remember that the car will be pledged to the bank, so you cannot sell it.

Now consider the conservative type of loan. This option is suitable for a larger number of citizens, as it has low monthly payments. The payment amount was reduced by increasing the loan term to 5 years. For such a period, only consumer loans are issued. To get a favorable interest rate, contact the bank that issues your salary. As a rule, there are special lending programs for such clients, and you will receive favorable conditions.

Let's enter the following parameters into the loan calculator: the loan amount is 500,000 rubles, the loan term is 60 months, the interest rate is 20%.

The monthly payment will be 13,247 rubles, the overpayment of interest will be 294,817 rubles.

Such a loan has a lower monthly payment and your car will not be pledged to the bank.

The third type of loan is safe. Suitable for people with low incomes, or who do not want to quickly pay off the loan, and spend free money on other needs. Choose a bank that will issue a consumer loan for a longer period, for example, for 84 months. Due to this, the monthly payment will be even less. However, the interest rate will increase. The resulting overpayment on interest will be higher, but you will be more secure. Such a loan is more flexible because payments can be managed. That is, with a small monthly payment, you can always pay more money on the loan and save on interest. And when your income drops, you can go back to the minimum payment.

Let's enter the following parameters into the loan calculator: the loan amount is 500,000 rubles, the loan term is 84 months, the interest rate is 23%.

The monthly payment will be 12,024 rubles, the overpayment of interest will be 509,982 rubles.

As a result, the overpayment on the loan will be huge, but you have a lower monthly payment and do not forget about inflation. After 7 years, the money will depreciate, and you will give back money that has a different weight.

Now let's compare all three loan options.

When choosing a loan, evaluate your financial situation. Calculate your income and expenses. Can you pay off a good loan? If the payments will take all your income, consider whether it is worth taking the risk and taking such a loan. Saving money is very good, but taking such a loan when there is no money left in the reserve will be a wrong decision. Think about what you will do if your income drops and there is nothing to pay. The car will not be sold, as it is pledged.

When applying for any loan, you need to assess your risks and be aware of the fall in basic income. I advise you to prepare financial protection. It is necessary to create a monetary airbag. If the loan payments are too high for you, you need to postpone the purchase and save up some more money. Create a cash reserve in the amount of 6 monthly payments. In this way, you will have a reserve of money that you can use in the most difficult times.

This technique can be used to any value of the car. Enter the desired cost of the car in the loan calculator and get different calculation results.

Remember that loan payments are not all expenses when buying a car. Every year you have to pay insurance, taxes, buy parts and other running costs with the car.

A car loan is a loan to an individual for the purchase of a car, in which the vehicle itself is collateral.

Pros and cons of a car loan for a new car

If you compare a car loan with a regular consumer loan, you can highlight such positive aspects as:

• Lower interest rate on loans. The car, until the borrower fully repays all payments on the loan, is pledged to the bank, therefore, having a pledge as a car, the bank is ready to reduce the percentage of overpayment, requiring 12-13% per annum, while 17-22% will have to be paid for a consumer loan.
• In case of minor damage to the car, its owner receives insurance for restoration. And in case of complete damage and impossibility of recovery, the bank receives insurance and fully repays the client's debt.
• The car is fully insured, which brings an additional degree of security.
• Less stringent requirements for the package of documents provided by the borrower.

The disadvantages of a car loan include:

• The need to pay CASCO, which will be from seven to twelve percent of the cost of the car. In addition, payments will have to be made annually until the full repayment of the loan.
• The borrower cannot fully dispose of his car, because. he's on bail.

Having considered the positive and negative aspects of a car loan, we can conclude that this type of loan is beneficial when buying a car worth more than 250 thousand rubles. If a car costs, for example, 150 thousand, it is more reasonable to take a consumer loan.

Where to get a car loan

You can get a car loan from three sources:

• in the bank,
• in the cabin
• from a private person.

Features of obtaining a car loan in a bank

Almost all banks located in Russia require two conditions to be met in order to obtain a car loan: to be a Russian citizen and work officially for at least 6 months.

These conditions can be confirmed by a passport and a certificate from the place of work in form 2 - personal income tax. Sberbank, Rosselkhozbank and VTB, for example, without fail require official confirmation of income with certificate 2 - personal income tax and, subject to the provision of an extended package of documents, You can get a loan at the lowest possible percentage.

It is worth choosing a bank with acceptable conditions. This is not difficult to do either. Each bank has a website where you can get acquainted with the terms of lending and a list of required documents. You can even leave an online application, which will give you an answer within one hour to several days.

The monthly payment cannot exceed half of the borrower's income. If this does not correspond to the submitted certificate, then the bank will definitely refuse.

Before you start applying for a car loan, carefully consider all the costs that you will have to incur. This will include the cost of the down payment, insurance, fees to receive funds and other expenses.

Before you start applying for a loan, think it over carefully, consider all the nuances. Otherwise, after signing the contract, unforeseen surprises may arise.

But not all banks will provide a loan for the above options. Each bank has its own conditions. In some, they give a loan only for a new car, in others they are ready to issue a loan for a used one, but on the condition that it is not older than 3 years.

Each bank has its own requirements, but it is important to note that if the bank puts forward excessive requirements, then the conditions for car loans will be more acceptable and vice versa, the more loyal the requirements, the greater the loan interest. Many banks (Russian Standard, Avangard, KreditEvropaBank and others) are ready to give loans to everyone at a percentage that is several times higher than the national average. This covers a large percentage of loan defaults.

In addition, all banks, with rare exceptions, require an initial payment of 10 to 20%.

Salon loan

Another nuance is in which car dealership you plan to buy a car. Serious credit organizations prefer official dealers, if you wish, you can find a bank that is ready to issue a loan even for purchasing a car from an individual.

In this case, the dealership takes on the functions of a thrift store. But you will have to fork out for additional procedures, such as, for example, the diagnosis of the entire car. This will require additional time, which will increase the transaction processing time and change the funds spent, which does not always satisfy the desire of the buyer.

Often, the consumer has already decided on the choice of a car and prefers to get a loan from a bank, reasonably assuming that the car dealership plays the role of an intermediary and will definitely take its percentage for the service.

Basically, that's the way it is. The interest rate for the work of loan officers in a car dealership ranges from 1 to 1.5%. But not everything is so simple. We suggest that you study this issue carefully.

By applying for a bank loan, you can save these interest, but you will have to provide an extended package of documents and make a large down payment. If this does not suit the consumer, it is necessary to choose the right car dealership. Attention should be paid here to such a situation. Car dealerships often cooperate not with one bank, but with several.

From time to time, credit organizations, together with car dealerships, in order to attract customers, hold various promotions. The buyer is offered a reduced interest rate during the promotion.

Usually it is provided from 3 to 3.5% per annum. Option, you see, is not bad. And if you also take into account that the package of documents is minimal and you do not need to go to banks, then this will suit many. Such actions, as a rule, are of a one-time nature.

Do not be lazy and carefully study all the options. Collect reviews about car dealerships and credit organizations. Ask friends who have taken car loans, go online and visit the relevant forums.

Do you need CASCO insurance?

It is necessary to take into account the fact that a car purchased on credit acts as collateral (the title for the car is in the bank until all payments are made in full). But a car is an unreliable object of collateral. He can be stolen, he can get into an accident and become completely unusable. Therefore, banks require insurance.

Banks have contracts with insurance companies, where the cost of services, to put it mildly, is too high. In most cases, a CASCO is required. From the point of view of the bank, this is justified. He cares, first of all, about his own interests. But for the borrower, this is highly undesirable for the reason that it raises the amount of the loan repayment at times.

In order not to overpay for insurance, it must be remembered that the bank, imposing its own insurance company, violates the legislation of the Russian Federation. The client has the right to choose any organization providing CASCO services.

Do not rush to refuse the insurance organization offered by the bank. Carefully study the documents describing the services of this company and others, analyze the cost of the services offered. Perhaps the option offered by the bank will be the most optimal.
The question of whether it is possible to refuse CASCO insurance should not be faced by the borrower, as this will primarily affect the interest rate.

For example, OPT-Bank, with car loans, taking into account insurance, offers a loan at 13.5% per annum. Without insurance, the interest rate increases by 5%. It is not difficult to calculate how much this will exceed the loan amount without CASCO.

What is an interest free loan

Banks, now also car dealerships offer interest-free car loans. these organizations are not charitable and they have one goal - to get the benefit, and the maximum. Therefore, do not immediately succumb to this trick.

The main conditions for acquiring an interest-free loan:

• The car received in this way is the property of the bank and the bank, in case of non-compliance with the conditions specified in the contract, has the right to withdraw the car. The reason may be a simple violation of traffic rules.
• The initial payment can be more than 30%.
• The purchased vehicle must be new.
• Car insurance is mandatory in this case.

Read the contract carefully, especially the fine print. You can find many more undesirable conditions.

Pitfalls in drawing up an agreement most likely will not be found with a car loan from a private person. Thus, you can buy a used car, when the buyer and the seller, by prior arrangement, come to the bank where the contract is drawn up, a free account is opened, where he transfers money for the car.

Features of a car loan from a private person:

• free contract of sale,
• There are no hidden fees and commissions,
• Legal cleanliness of the car, checked by the bank,
• Same day deal.

So, if you have sufficient income, and the monthly payment to the bank will not become burdensome for you and your family, then a car loan from a bank, from a private person or in a salon is a great way to quickly get the car of your dreams. The main thing is not to rush into choosing a lending institution.

Banks offer a large number of programs, thanks to which you can rent a car and make your cherished dream come true. What documents are needed for a car loan depends on the program of the financial institution - it can be only 2 or a whole package of documents.

How to buy a car quickly?

What to do if you cannot provide proof of income? In this case, it is allowed to issue a car loan on two documents without proof of income, but only when you have at least 20% of the cost of the car. That is, before you go to the bank, you have to save up! At the same time, it will not work to take an expensive car. It is more profitable to stop at an ordinary consumer loan and take a car with the money received. In any case, the car will be collateral for the loan, which is beneficial for the bank. Of course, you can take a guarantor and try to take a car without a down payment, but this option is not very popular.

What documents are required?

So what do you need for a car loan? Before visiting a car dealership, prepare a few papers. Decide in advance which car you intend to take, what amount will suit you. bank you will need the following documents:

• A photocopy of the passport (it is important to make copies of the pages where there is a photo, text and other significant marks);
• Questionnaire. Here you will need to provide the following information:
  1. Details of the property you own;
  2. Information about yourself;
  3. Information about work: where you work and how much money you receive per month;
  4. Family status;
  5. Education.

• The choice is a military ID, a photocopy of a driver's license or a passport.

Since it is not known exactly what documents are needed to obtain a car loan, you should visit the bank in advance or call a consultant - all financial institutions have different requirements!

In addition to those mentioned, the list of securities can be expanded to:

• Help 2-NDFL, which indicates how much you have earned over the past year;
• Photocopies of the work book (the length of service at the last place of work should be six months).

You may also need:

1. Bank statement;
2. A photocopy of the diploma of education;
3. Marriage certificate;
4. CHI policy;
5. Spouse's permission for the loan;
6. Car purchase and sale agreement;
7. Pension Certificate.

Most banks require the following documents:

1. Questionnaire;
2. The passport;
3. If the registration is temporary - a document on registration at the place of stay;
4. The second identity card of your choice (passport, driver's license, etc.);
5. Documents confirming the financial condition of the borrower (certificate 2NDFL, a copy of the Labor Code and others).

After reviewing the documents and approving the loan, you can choose a car in a car dealership.

Video: Documentary about a car loan at TVC

Nuances

Documents can be accepted not only at the bank, but also at the car dealership itself.

Each bank has the right to set its own terms and conditions. However, they are not much different. A universal loan that would suit all categories of borrowers does not yet exist. One bank focuses on the speed of registration, another offers a low interest rate, the third does not impose high requirements on documents. Be sure to carry out the auto insurance procedure - this will save both you and the bank from irreparable losses! Do not try to take an expensive car. Looking for the best value for money!

So, taking a car loan in our time is easy! It is enough to collect the necessary package of documents and visit the bank, or go directly to a car dealership that cooperates with the bank. After checking the information provided and applying for a loan, you will receive the keys!

Find out which bank will lend you money

8 out of 10 applications - approved!

The service allows you to choose the most suitable bank for you and increase the chances of your application being approved!

Decision on the application within a couple of hours!

No queues and trips to the bank

You simply fill out the form and wait for a call from the bank employees, being at home, visiting or even in a cafe!

Over 47% of Russians are interested in buying a car on credit. Not all citizens can afford a large purchase. Russian banks meet them halfway and offer various car loan programs: for the purchase of a new car or used, foreign or domestic production. Before you take any program, you need to decide on the needs and financial capabilities.

Car loans are divided into:

Target;
With state support;
Consumer.

Target

If you are considering how to rent a car, then apply for a targeted loan. It is issued by over 70% of Russian banks. The term of registration is 5-7 years. The amount provided is on average 5,000,000 rubles.

A target loan can be secured. They are the car they are buying. Until the moment of repayment of the debt to the bank, the car remains its property.

Conditions for targeted loans depend on the policy of the bank and the status of the client. The debt is paid by annuity or differentiated payments. With the first type of payments, the monthly amount is the same, with the second, it decreases every month.

With state support

Before you take a car loan with state support, you need to find out how it differs from the usual one. The main difference lies in the reduced rate - 9-11% per annum. You can borrow money to buy a car of domestic or foreign production.

Interested in how to get money to buy a car with government support? You need to match the settings. Namely:

Be between the ages of 21 and 65;
Be a citizen of the Russian Federation with permanent registration;
Have a formal job;
Have 3 months of experience in the last place of work.

Banks pay attention to the state of credit history. If an applicant has been in arrears on previous loans or other financial obligations have not been met, they will usually not be able to borrow money to buy a car.

If you are interested in how to take a car on credit with state subsidies, then you must fulfill a prerequisite - to provide an initial payment. Its size varies from 15 to 50%. You can take a car on credit under the state program at VTB 24, Bank of Moscow, Rosbank, Uralsib, Sberbank or Unicredit Bank. The minimum rate is marked in the bank "Uralsib" - 6%.

The difficulty of obtaining a car loan with state support lies in the collection of documents.

Consumer

Those who think about how to get a car on credit often turn to consumer lending. It is used by citizens who want to take a car on credit. The advantage of the program is the absence of collateral.

Funds can be taken for any purpose. The borrower can buy a new or used car, both domestic and foreign.

The disadvantages of a consumer loan are a small amount and a high rate. You can take up to 300,000 rubles without collateral and guarantee from the bank.

The amount of the overpayment depends on various factors. As a rule, this is the amount provided, the term, the status of the client. On average, it is 2-3 percent higher than the target loan rate.

How to quickly get a car on credit?

The popularity of express loans in Russia is growing every year. Three years ago, the simplified lending scheme extended to consumer loans. Today, it can also be used for car loans. 30% of Russians trust bank advertisements that they will receive a car on credit on the same day they apply.

Banks, as a rule, compensate for the speed of registration with high rates and additional commissions.

For example, you decide to take a car worth 600,000 rubles.

The conditions for receiving money for the purchase are as follows:

Term - 3 years;
Initial payment - 10%;
Rate - 11% per year;
Monthly commission - 0.2%.

The amount of overpayment on such a loan will be 150,584 rubles. The monthly commission is the bank's compensation for quick processing. If you calculate the loan without it, then the amount of the overpayment will be reduced by 43,200 rubles. 43,200 rubles is the price of taking money to buy a car on the day of treatment.

TOP 5 options on how to get a car on credit on favorable terms

"Great Opportunity" from Rusfinance Bank;
"Autolight" from the bank "VTB 24";
"On the car" from the bank "Uralsib";
"Acquisition of a new car" from Gazprom Bank;
"For a new car" from the bank "Loco Bank".

"A great opportunity"

The question arose: how to get a car on credit? The answer is simple: take advantage of the Great Opportunity program from Rusfinance Bank. The maximum amount provided is 6,500,000 rubles. The rate is calculated individually.

Its minimum limit is 15.5%. A car loan can be taken for 5 years. How? First, provide a down payment of 20%. Secondly, issue a CASCO policy.

"Autolight"

This is one of the programs of VTB 24 Bank. According to its terms, a loan for the purchase of a car can only be taken with a passport and a driver's license. The maximum available amount is 5,000,000 rubles, and the rate starts at 14.7%.

The loan can be taken for 7 years. How to do it? Fulfill the prerequisite. This is a down payment, which is at least 30%. You can spend money on new cars and used vehicles. The percentage of approval of applications at VTB 24 is high. The application is considered on average 1-3 days.

"To the car"

The program from Uralsib Bank "On a car" can be taken on the following lending conditions:

Amount - 3,000,000 rubles;
Term - 5 years;
Overpayment amount - 19%;
The initial payment is 20%.

If you are interested in how to get money to buy a car, then you should definitely take out an insurance policy. The bank has benefits for salary and corporate clients.

"Buying a new car"

In Gazprombank, you can take a loan to buy a car in the amount of 4,500,000 rubles. The term of the contract is 7 years. The minimum bet is 15%. The final amount of the overpayment is affected by the status of the client, the state of the credit history and the amount of the loan.

The down payment is 15% or more. An application for a loan can be submitted both at the bank branch and on the website, on our portal.

"For a new car"

A loan under the “For a new car” program from Loko Bank is issued for the purchase of a car in the amount of 5,000,000 rubles for a period of up to 7 years. Please read the terms and conditions before applying. The down payment is 20% or more. The rate is 10.66%. You can take a car both foreign and domestic production.

How to get a car on credit at a car dealership?

Study the offers of banks. As a rule, the salon cooperates with 2-3 financial institutions;

Decide on the brand of the car and the price. The cost of the vehicle must comply with the terms of the loan;

Submit documents. If you decide to take the car in the cabin, then you will need a minimum of documents. But this is offset by additional commissions or a rate increase of 1-2 percent;

4. Sign the contract. Before this, the document must be re-read to eliminate the occurrence of misunderstandings.

Over 50% of Russian banks actively cooperate with car dealerships and large dealerships. Bank representatives work in the salon. This makes it easier to apply for a car loan.

General requirements for applicants

Requirements for applicants wishing to borrow money to buy a car vary depending on the policy of the bank.

Common ones include:

Citizenship of the Russian Federation;
Age from 21 to 65 years;
3 months of work experience at the last place of work;
Good credit history.

Some banks take into account the monthly income of the applicant. If the amount of regular payments exceeds 40-60% of the salary, a car loan will be denied.

Corporate and payroll clients of the bank can count on benefits in registration. They are subject to minimum requirements regarding age, a package of documents.

Car loans must be taken seriously. The time spent on studying the programs, carefully filling out the application and collecting documents, as a rule, pays off with a profitable purchase of a car.

In order to get a loan from a bank, you need to decide how much you want to borrow. This can be the full cost of the car or, if you have money for a down payment, part of it. Based on your solvency, the bank will name the amount for which it is ready to lend you.

Typically, the procedure for applying for a car loan consists of the following steps:

Submit documents to the bank

To obtain a loan from a bank, you will need the following set of documents: a passport, a driver’s license, an application form (issued by a bank employee), a copy of a work book and a 2-NDFL income statement (available from the accounting department at work).

Sometimes the bank may require you to provide a TIN certificate and a copy of your spouse's passport. If you are not officially married, then a copy of the passport of the civil spouse will do. There is a subjective factor here: banks trust clients with families and children more, and less trust those who do not create a “cell of society” and do not aspire to have children.

An application for a car loan is a questionnaire in the form of a bank. It is filled out either at the office of the institution or on its website. In fact, this is reference information about the client. But very often the refusal to issue a loan is due to its incorrect filling. In the questionnaire, you should indicate as much reliable information about yourself as possible. You should not overestimate or underestimate your income, hide your credit history or any facts of your biography, and also ascribe to yourself property that you do not own. All specified data is easily verified by the bank.

Some banks offer customers an express loan. Its peculiarity lies in the quick procedure for considering the application and issuing money. If you choose this option, then you need to provide only three documents: a passport, a driver's license and a completed bank application form. For speed, you will have to pay a high interest rate.

Waiting for bank verification results

Verification of your documents can take from several minutes (if it is an express loan) to several days. Often, it combines analysis by a scoring system (a special program for determining solvency) and the study of documents directly by a loan officer.

If the bank has made a positive decision on your loan application, then you have from 26 to 180 days (depending on the institution) to finally decide on the choice of a car and apply for a loan to purchase it.

If your solvency seems insufficient to the bank, it will offer to find co-borrowers or guarantors. They will answer with their wallet if you have financial difficulties.

Conclude an agreement with the seller

A contract for the sale of a car is concluded with the seller, which will indicate the deadline for processing documents and paying for the loan.

Make an initial deposit

If you have chosen a car loan with a down payment, then you need to deposit money into the seller's account. It can be 10-50% of the cost of the car. If you buy a car without a down payment, then this step is excluded.

Conclude an agreement with the insurer

The list of insurance companies where you can be is often limited by the bank. These institutions carefully select partners to avoid additional risks of losing their money. However, it should be clearly understood that insurance is a service, and no one has the right to force you to buy it. Here the choice is yours: follow the bank's lead or insist on your right to choose the insurer that is beneficial for you.

On the other hand, do not forget that a car loan can be obtained without buying insurance. In this case, you will have to pay the bank at an increased interest rate.

Conclude agreements with the bank

• payment document of a car dealership;
• a copy of the vehicle's passport;
• insurance policy (if it is a prerequisite);
• document confirming the payment of the down payment (if any);
• if you are married, then the consent of the husband / wife to receive a loan and transfer the car to the bank as collateral.

After that, the bank transfers the loan amount to the seller's account. This procedure may take several days - its period is indicated in the contract.

Get a car

After receiving the money on the account of the seller, you can pick up your car.

Comparison.ru advice: After receiving a car loan, always repay it on time. If you are late in payments, then ruin yours.