Car loans on credit to europe bank. Conditions and documents for applying for a car loan at Credit Europe Bank Concessional loan under the state subsidy program

Buying a car is the dream of every car enthusiast. And if your own funds are not enough to make your dream come true, then you can get a loan on a repayment basis.

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This opportunity is provided by Credit Europe Bank. The financial organization has been on the car lending market for at least 10 years, which indicates its stable work and optimal offers.

Conditions

The obligatory employees distinguish:

• passport of a potential borrower;
• driver's license.

Of the additional ones it is worth providing:

• work book certified by the employer (a copy is possible);
• certificate 2-NDFL or in the form of a bank.

An individual entrepreneur is obliged to provide two additional documents:

• registration certificate and individual tax number;
• declaration for reporting periods.

Is online application possible

In the presented credit institution, it is possible to obtain a cash loan remotely.

For this you need:

You can pay off your loan obligations in different ways.

Credit Europe Bank accepts funds through:

• ATMs of Credit Europe Bank;
• cash desks of the presented bank;
• ATMs and cash desks of other credit institutions;
• Money transfers;
• online payment from a debit card;
• Eleksnet and Kiwi.

To become the owner of a car today is not unrealistic. And even if the finances are not enough to go to a car dealership and buy a car, you can use the services of banks, get a loan and make your dream come true.

Today, it is not even necessary to visit a branch of a banking institution to fill out an application, since most of them provide an opportunity to do this via the Internet. Although it is worth noting that the loan is issued only to borrowers who meet all the requirements of a banking institution.

Car loan conditions

The conditions for granting a loan at Credit Europe Bank today are so different that the borrower can choose the option he needs. It can be a car loan with or without a down payment, for the purchase of a Russian car, a foreign car or a specific model, with a reduced interest rate or not, according to general conditions or according to a special offer. However, one must always remember that, regardless of the conditions of car loans, the first thing a bank looks at when assessing a borrower is his ability to repay the debt, that is, his solvency, history of previous loans and the presence of any property.

Many people think that among the number of banks that exist today, you can easily pick up one where you do not need to submit certificates confirming income, guarantors, but only one passport is enough. However, in this case, you will probably have to pay large amounts in a shorter period, that is, the conditions will be less favorable.

The task of many is to deceive the bank by taking on a loan the most expensive car and subsequently not paying the loan. It is these clients who often leave negative reviews regarding the bank's work, which are then guided by other potential borrowers.

Loan calculator

Therefore, it is worth choosing an offer that will not only implement plans for buying a car, but will also be able to pay off a loan on it, based on the real financial situation. In this case, the auto loan calculator offered by Credit Europe Bank will help the borrower to realistically assess their capabilities in relation to a particular program and present all its advantages and disadvantages.

This tool can be used on the official website of the banking institution. After entering the necessary information, the program will allow you to see the real picture of the relative loan offer chosen by the client, how much money can be received and how much will have to be returned monthly.

It should be borne in mind that most car loans are not issued without car insurance, and therefore you will also need to have a certain amount to pay for the CASCO policy. In addition, until the loan is fully repaid, the insurance will need to be periodically renewed, therefore, this is additional cash.

10 most demanded programs in Credit Europe Bank

Credit Europe Bank offers its customers 40 car loan programs to choose from. Everyone will be able to choose an option in accordance with the terms of the loan offer. It all depends on the purchased car, its brand, the purpose of its use. An optimal loan program is selected for each client. And yet, before making a final decision on car loans, that is, a competitive program, you need to try to collect as much information as possible regarding the proposal, it is advisable to find out the reviews of the banking institution's clients.

1. Auto express loan for Hyundai cars. Having issued this car loan, the client has the opportunity to purchase a new foreign car of a specific brand. It is worth knowing that the borrower will have to pay a rather large fine for late payments - at least 300 rubles after a five-day delay (15%) and 300 rubles if the TCP, CASCO is not submitted to the banking institution within the agreed period. If you have any doubts about whether to apply for this car loan or not, you can look for reviews of those who have already paid this type of loan or those who are still repaying it. Terms of provision:
   1. loan term 12-60 months;
   2. the minimum loan amount is 200 thousand rubles, the maximum is 1 million rubles;
   3. no advance payment;
   4. interest rate in the amount of 16-17.5%;
   5. there are no commissions, it is possible to repay the loan ahead of schedule without a penalty;
   6. compulsory registration of insurance for both the client and the purchased car (CASCO).
2. Classic Car Loan for Hyundai cars. The client gets the opportunity to buy a vehicle of the specified brand without making an advance payment. In case of deviation from the contractual conditions, the client is subject to requirements similar to the previous loan offers. Loan conditions:
   1. the loan agreement is provided for a period of 12 - 60 months;
   2. loan 200 thousand rubles. - 4.5 million rubles;
   3. loan rate of 13.25-16%;
   4. no commissions, no prohibition on early loan repayment without penalties;
   5. insurance - this condition is mandatory.
3. Auto express loan for KIA cars. For fans of a specific car (KIA), the banking institution Credit Europe Bank offers a loan product that allows them to become the owner of a new vehicle of foreign production. Non-performance penalties and requirements for paying customers are similar to previous loan offers. Feedback from customers who have already paid off the loan will help to make the right decision regarding registration or abandonment of this program. Terms of provision:
   1. the term of provision is 12-60 months;
   2. the minimum and maximum amount is 200 thousand rubles. and 1 million rubles. respectively;
   3. advance payment not less than 10%;
   4. rate of 16-17%;
   5. no commissions, with the ability to repay the loan ahead of schedule without fines;
   6. borrower insurance and CASCO policy registration is mandatory.
4. Classic car loan for KIA cars. The credit offer is designed for those who need a large amount of money to purchase a car of a specific brand (KIA). Penalties and other requirements in case of violation of the loan conditions are the same as in the previous cases. The loan is provided on the following conditions:
   1. registration of a loan for a period of 1 to 5 years;
   2. the minimum loan amount is 200 thousand rubles, the maximum is 4.5 million rubles;
   3. an advance payment of at least 10%;
   4. rate of 13.25-15.5%;
   5. no commissions, as well as fines regarding repayment before the end of the loan;
   6. confirmation of solvency is required;
   7. registration of a CASCO policy is mandatory, as well as a personal one for the borrower.
5. Autoexpress credit program "Car market". Unlike previous offers, where it was possible to buy a car only in a car dealership, this program allows you to buy any car (new, used, ours, foreign car) from a private owner. Like any loan program offered by the bank, it suits some clients, while others express exclusively negative reviews. You should not rely on the opinion of others, it is better to familiarize yourself with the conditions, compare all the pros and cons and make an independent decision whether a car loan is suitable or consider another option. In this case, the conditions for car loans are as follows:
   1. car loan term 2 - 4 years;
   2. the size of the loan is not less than 75 thousand rubles. and no more than 1 million rubles;
   3. minimum advance payment 20%;
   4. interest rate in 1 month of crediting 41-43%, then 29-31%;
   5. no commissions and penalties for early repayment of the loan;
   6. no official confirmation of income is required;
   7. life insurance of the borrower and auto (CASCO) is mandatory.
6. The program of the bank Autoexpress credit "Car Market Plus". This loan product is practically no different from the previous offer, but you can only buy a foreign vehicle. Loan conditions:
   1. the minimum loan term is 1 year, the maximum is 5 years;
   2. the opportunity to take an amount of 200 thousand rubles. up to 1 million rubles;
   3. minimum initial payment 15% of the cost of the car;
   4. the interest on the loan in the first month is 32-35%, then - 22-27%;
   5. no fines and commissions, with the possibility of early repayment of the loan;
   6. official confirmation of solvency;
   7. car and borrower insurance is also required here.
7. The program of the bank Autoexpress credit "LUX". Taking advantage of this offer, the client can borrow the amount he needs from Credit Europe Bank without confirming his income. Conditions for issuing borrowed funds:
   1. loan term 12 - 60 months;
   2. the minimum loan amount is 200 thousand rubles, the maximum is 1 million rubles;
   3. advance payment of at least 10%;
   4. the interest rate in the first month is 26-29%, in the following - 16-18.5%;
   5. there are no commissions and fines regarding the repayment of the loan ahead of schedule;
   6. a CASCO policy is mandatory, as well as a personal one for a client applying for a loan.
8. Autoexpress loan program "Optimal easy". A loan is the best option for those wishing to receive the required amount of money, with a minimum advance payment (from 10%) for 2-5 years. In this case, there is a list of countries whose cars cannot be purchased under this loan proposal, these are Ukraine, Iran, Uzbekistan, China, which causes not entirely positive feedback from borrowers. All other credit conditions regarding car loans are the same as the above proposals. In addition, the terms of this offer include:
   1. minimum loan amount from 300 thousand rubles, maximum - 1 million rubles;
   2. interest rate from 17.5 to 18.5%;
   3. there is no prohibition on repayment of the loan ahead of schedule, as well as commissions and penalties;
   4. income does not need to be officially confirmed;
   5. CASCO policy is drawn up without fail, as well as insurance of the borrower.
9. The program of the bank Autoexpress credit "Universal Turbo". The bank's offer is suitable for those wishing to become the owners of both a car (Russian or foreign) and a motor vehicle .. Conditions for granting a car loan:
   1. the term of the car loan agreement is 24-60 months;
   2. loan amount from 130 thousand rubles. up to 1 million rubles;
   3. advance payment 10%;
   4. the rate on car loans is 17.5-23%, in the first month of car loans - 29-32%;
   5. the possibility of repayment ahead of the expiration date of the lending agreement without a penalty, plus no commissions;
   6. there is no need to officially confirm income;
   7. compulsory registration of personal insurance of the CASCO policy.
10. The program "Classic car loan for the purchase of used cars." The offer is designed for the purchase of a used vehicle on the following mandatory conditions:
    1. car loan agreement for a period of 2-5 years;
    2. a loan in the amount of 300 thousand rubles. - 2.5 million rubles;
    3. advance payment of at least 15%;
    4. there are no commissions, as well as a ban on early repayment of a loan;
    5. compulsory registration of a CASCO policy, plus personal insurance.

This is just a part of the loan programs from the institution Credit Europe Bank.

On this page, the portal user can familiarize himself with car loans that can be obtained at Credit Europe Bank. In the list of offers, the site visitor has access to brief information on each of the products: maximum term and amount, interest rate, minimum initial payment. Inside the card of each program, you can see the detailed current conditions for obtaining a loan. Including the requirements of the financial institution for a potential borrower: age, work experience, place of permanent registration, as well as a list of documents provided. In order to understand whether you have the opportunity to take a car loan at this rate, you must carefully read the above parameters. If there is a "Leave a request" button next to the program description, the user can save his time by using this service. When a client submits a questionnaire online, the bank communicates a preliminary decision by phone.

Car dealership MAS Motors cooperates with many banks, which allows our clients to receive a loan from them without long waiting, and an application for approval for approval of a loan can be submitted directly in the showroom. One of our partners is Credit Europe Bank. It offers a variety of loan products and the opportunity to leave the salon in your car on the same day you apply and apply for a loan.

For private clients "Credit Europe Bank" offers various car loan programs.

Concessional loan under the government subsidy program

• Interest rate from 8.53%.
• For the purchase of new cars of domestic and foreign production not older than the current and previous year of production.
• The cost of a car should not exceed 1,150,000 rubles.
• Car tonnage - up to 3.5 tons.
• Loan amount from 300,000 rubles. up to 1,100,000 rubles, but not more than 80% of the car's value.
• Initial adulthood - from 20%.
• Loan terms - from 1 to 3 years.
• The loan is issued only in rubles.

Car loan express

• It is intended for buying a used car from the owner, who must be an individual (not a car dealership or a reseller).
• If the specialist is free, then the application can be considered within half an hour after its submission.
• The bank checks the car before issuing a loan.
• The car will be pledged by the lender.
• Required documents: Russian passport, driver's license.
• The specific terms of the loan are determined for each borrower individually.

Autoexpress loan for the purchase of commercial vehicles

• You can take from the bank an amount from three hundred rubles to one and a half million, but not more than 75% of the cost of the car.
• You can only buy a new car.
• The interest rate depends on the amount of the down payment. Contribution from 25 to 30 percent - annual rate of 21.4%; contribution from 30 to 40 percent - rate 20.5%; installment from 40 to 99.99 percent - rate 19.0%.
• Loan terms - from 2 to 5 years.
• A prerequisite is car insurance for a year with subsequent annual renewal.

Classic car loan

• An application for a loan can be left online or in the showroom in our MAS Motors showroom.
• Documents: Russian passport, driver's license, information on income in bank format, a copy of the work book with the employer's stamp on each page.
• The loan is issued only for passenger cars, both new and used.

Classic car loan for the purchase of commercial vehicles

• It is possible to arrange a loan on favorable terms for the purchase of trucks and passenger transport of certain brands only from specific official dealers-partners of the bank. Until the end of 2017, at a reduced interest rate, you can take out a loan for the purchase of category B, C and D vehicles of the brands ISUZU, Volkswagen, Mercedes, Ford, Peugeot, Fiat, Toyota, Russian freight transport. The list of partner salons and car brands may change, it is necessary to clarify the current information by phone with the bank employees.

Loan for commercial vehicles

• The loan is issued for the purchase of a car of category B, C weighing up to 20 tons (freight transport) or a car of category D (passenger), designed to accommodate up to 50 people and weighing up to 20 tons.
• Loan terms - from 2 to 4 years.
• There is no initial issuance fee.
• You can pay the full amount up to urgently without fear.
• You can add the cost of additional equipment and car insurance to the credit.
• The loan is repaid in equal installments, but the first and last installments may differ significantly from them.
• Passport and driver's license.
• Most recent non-zero tax return.
• Certificates of state registration and tax registration.

Documents for individual entrepreneurs

In "Credit Europe Bank" a car loan is provided for a new or used car, commercial vehicle and special equipment. Funds are issued under various programs, including on concessional terms with state support.

There are the following types of car loans:

1. On a new foreign car.
2. On a new domestic one.
3. For a used car.
4. For commercial and special vehicles.
5. As part of the government subsidy program.
6. Within the framework of partnership agreements with car dealers.

You can buy a used car both in a car dealership and from any private person.... In the latter case, the bank carries out an additional check of documents on the car and the seller. Car loans can be issued according to the "Classic" and "Express" programs.

Lending terms

A car loan under the "Classic" program is issued on the following conditions:

• 250 thousand - 6 million rubles;
• from 2 to 7 years old;
• first installment from 15%;
• rate of 9-20% per year;
• obligatory pledge of the vehicle, registration of CASCO and bank account agreements;
• possible additional voluntary insurance of the borrower himself (health and against loss of employment), GAP and DAGO.

Classic Car Loan Program

Credit amount

from 250 thousand rubles to
6 million rubles

loan terms

from 2 to 7 years

loan rate

from 9.9%
annual

* - initial payment of 15% of the cost of the purchased car

Under the "Express" program, the crediting period is the same, the other conditions are as follows:

• from 100 thousand to 2.5 million rubles;
• 6-28,5%;
• it is possible to provide without an initial payment.

Additional services and insurance conditions also do not differ from the "Classic" program.

For both types of the program, it is possible to refuse compulsory insurance, while the terms of the loan will also change:

• the maximum amount is up to 2 million rubles for the "Classic" and 1 million rubles for the "Express" loan;
• 2-5 years old;
• fixed rate 29%;
• obligatory first installment from 20%.

Autoexpress credit program

Credit amount

from 100 thousand rubles to
2.5 million rubles

loan terms

from 12 to 84
months

loan rate

from 6%
annual

* - the minimum package of documents

In "Credit Europe Bank" you can apply for a preferential car loan with state support, under the terms of which the buyer receives a discount of 6.7% from the rate applicable under the program. Benefits are provided to drivers who purchase a car for the first time, as well as to families with two or more minor children. There is also a 10% discount on the "Family" and "First Car" state programs.

Family Car Program

Credit amount

from 100 thousand rubles to
1,350,000 rubles

loan terms

from 12 to 36
months

loan rate

from 6.7%
annual

* - the amount of the initial payment is equal to 10% of the value of the car

In order to qualify for government subsidies, the following conditions must be met:

• The car should be released in 2016-2017.
• The maximum cost of a vehicle is 1,450,000 rubles.
• The maximum vehicle weight must be less than 3.5 tonnes.
• Loan term no more than 3 years.

Borrower requirements

Credit Europe Bank has the following requirements for potential borrowers:

• be a citizen of the Russian Federation;
• be registered in the region of the bank's presence for at least six months, and also actually reside in one of such regions;
• work at the current place for at least 4 months, requirements for the total length of service - at least six months (from a year if you refuse from CASCO);
• for borrower-entrepreneurs, it is necessary to conduct a current type of activity for at least a year;
• availability of 3-4 phones (mandatory mobile and work plus additional ones for communication).

Required documents

"Express" loan is provided only with a passport and driver's license.

To obtain a "Classic" loan, the client will need to provide a complete set of documents, among them:

• Borrower identification.
• Driver's license.
• Proof of income: in the form of a bank, 2-NDFL, an account statement or a copy of a tax declaration (for individual entrepreneurs).
• Documents confirming the presence of additional income: a certificate of pension, papers on the receipt of income from rent, alimony, part-time work, etc.
• A copy of the work book or registration documents for individual entrepreneurs.

After receiving the loan, it is necessary to confirm its intended use: provide a copy of the TCP, the purchase and sale agreement and confirmation of the payment of the down payment.

You can apply for a car loan at Credit Europe Bank either through the bank itself (in a branch or via the Internet), or in the salon of partner car dealers. In the latter case, the employees of the car dealership themselves will send the necessary documents to the bank and inform you of its decision.

Also, for a loan or for a preliminary consultation, you can contact any branch of the bank. To save time, you can send an online application from the site, in which you indicate your personal and contact information, the cost of the car and its type (passenger, commercial, new or used). After that, a bank consultant will contact you and clarify information on further actions and necessary documents.

You can learn more about the terms of lending and the list of required documents on the official website of the bank, at the lender's office or by calling the hotline.