Conditions for buying a car under the state program. State car loan program: list of banks and cars, types and conditions of preferential programs

It is very profitable to buy cars in the MAS Motors showroom, because we work not only with new cars, but also with used cars, we provide everything Required documents for the "Trade-In" program, purchase of cars in installments and on credit. Special attention is paid to programs of state subsidies (compensation by the state of part of the interest on loans). The latter include new projects of the Ministry of Industry and Trade:

1. "The first car"
2. "Family car"

The latest program is below.

Since July 2017, the state has allocated 7.5 billion rubles. for the implementation of all state programs for subsidizing car purchases made in Russia.

Conditions of the Family car program "

All programs of state subsidies are based on Government Decree No. 364 dated 04.16.2015. It changes and supplements every year. This also happened in 2017. Further amendments were made by Resolution No. 808 on 7.07.2017. According to the latter, fringe benefits for selected categories population, namely for families with at least two children and for those who buy a car for the first time in their life.

Loans are provided by banks on standard terms, but part of the interest on the loan is paid by the state itself, provided that the bank meets the mandatory requirements of the program (does not have shares in the authorized capital foreign companies, connected to unified system credit histories, has no debts, other subsidies, etc.).

The size of the subsidy under the "Family Car" program is 10% of the cost of the car.

Requirements for the car

1. In 2017, the subsidy program received an updated limit on the cost of a car. It cannot exceed 1.45 million rubles.
2. The car must be produced on the territory of Russia (these requirements include not only the products of AvtoVAZ, but also foreign manufacturers, whose factories operate in the territory of the Russian Federation, providing an almost complete cycle of car production).
3. The production year cannot be lower than 2016 (in accordance with the requirements of the current corrections in the decree of 2017).
4. A car can only be new (that is, it was not in the possession of individuals, was not registered before the current transaction).
5. The total weight of the technical equipment should not exceed 3.5 tons.

Recipient requirements

1. There are no fixed requirements for the age or income of citizens (that is, any citizen who has reached the age of majority can apply for a subsidy, but the bank can impose its own requirements on borrowers).
2. The main requirement of the Family Car program is to have two or more minor children.
3. The buyer is a citizen of the Russian Federation.
4. The borrower must have a driver's license.
5. After receiving the subsidy, the buyer undertakes not to purchase other cars on credit during the year.

Other parameters and limitations of car loans under the "Family Car" program

1. When buying a car on credit with a subsidy, the borrower must pay at least 20% of the cost of the car as a down payment.
2. The maximum loan repayment period cannot exceed 36 months.
3. The maximum rate on a loan, which is taken into account in the calculation of a one-time compensation, cannot exceed 18% (that is, the bank can set the interest even higher, but the calculation of the subsidy will be carried out only from 18%).
4. The discount on a loan compensated by a subsidy cannot be more than 6.7% (previously the limit was calculated as 2/3 of key rate TSB RF).

Benefits received under the program

• If the recipient and the bank meet the conditions of the program, then the state will compensate 10% of the full cost auto (up to 145 thousand, according to the conditions stated above).

How to get the

In order to use the specified "Family Car" program, you must visit the office of the MAS Motors showroom and contact loan officer... We will select the most profitable proposition among several dozen credit institutions-partners. You can start from the office of your favorite bank, we, in turn, will provide all the necessary documents.

Due to various factors, today buying a car is a problem for many people. Often there is not enough money for a new high-quality car, so the "First Car" program has been developed. It became operational on July 1, 2017.

By promoting this and other projects, the government is supporting the auto industry by boosting production and saving thousands of jobs. Everyone can take advantage of the wonderful opportunity to purchase the vehicle of their dreams.

Of course, as in every barrel of honey, there is a small fly in the ointment: you will have to say goodbye to bonuses for car utilization and trade-in, the government made a willful decision to abandon them.

It is predicted that by the end of this year, citizens will buy about 400,000 cars under various programs, which have left Russian conveyors over the past two years.

Terms of the First Car program in 2017

Let's move on to a more specific and detailed consideration of the conditions of the program. In order to buy your first car, you must have citizenship Russian Federation... Without a driver's license, do not even dream of taking a loan under this program. First go to a driving school, learn the rules of the road, take a driving test, and only after that go to the bank, while on public transport for a loan.

At the bank, you will be required to show a report that the credit bureau will give you showing that you did not sign any other car purchase agreements in 2017. That is, you never had a car and could not have it.

After that, you will have to write a statement stating that you undertake not to execute any other contracts in the current year that would provide for the purchase of a car. So what remains in the end. There are only three conditions:

• Be a citizen of the Russian Federation;
• Have a driver's license;
• Don't have a car.

Here it is necessary to clarify the second point. He excludes the possibility of acquiring a car according to the documents of his great-grandfather, who, in his youth, handled horses well on the collective farm, and did not have a driver's license when he was born. Or, place a purchase in the name of a minor child. These restrictions are provided in order to exclude not clean on hand motorists who are tired of the old car, but new prices bite, and you want to save a decent amount. Only those people who actually did not have this vehicle before take part in the program "First Car".

Employees of the country's driving schools will not be left without work, it is easy to imagine what kind of wave of applicants will fill their audiences, and sit behind the wheel of training cars with instructors to practice practical driving skills.

So, if the first conditions are met, and there is a brand new driver's license in the wallet, then the next stage is the direct execution of the loan agreement and the acquisition of a brand new dream car. At the same time, expect that a dream may cost no more than 1.45 million rubles. For a debut behind the wheel, this is a lot of money.

The period for which it will be possible to issue loan agreement, should not exceed 36 months, for this period of time the entire amount will have to be paid. Before applying for a loan, carefully calculate your financial capabilities, because, despite the fact that the loan is concessional, this does not apply to the timing of mandatory payments.

The big advantage of the state program "First Car" in 2017 is the ability not to pay the first installment.

One of the main parameters of the loan agreement is the interest rate annual rate, in this case it will delight the buyer, because it is only 11.3% per annum, and this is the maximum value. If you want, you can go to financial institutions, and in any case, get a better offer, because they are interested in attracting customers, and competing with each other, lower the value of the loan rate.

But that's not all. If you take out a loan and at the same time pay the first installment, then a 10% discount is provided. Of course, the most profitable option purchases will be made if you make the maximum possible down payment.

Please note that only one car can be purchased with a discount until the end of the year, without a discount - the quantity is not limited: buy as much as your heart and wallet want.

List of cars that are provided under the state program of 2017 "First car"

Skeptics will immediately think that under the terms of the program, their first car will not be at all the one they counted on when they saved money for it. But here they were mistaken, the list includes good cars of foreign and domestic brands.

• Nissan X-Trail;
• Mazda CX-5;
• Volkswagen Tiguan;
• Ford Kuga;
• Hyundai;
• Renault;
• Skoda;
• Lada;

Every fourth car purchased under these conditions is Lada. For the flagship of the domestic auto industry, this is a significant support, 2/3 of all Togliatti cars are sold through discounts. There are also a lot of foreign brands that participate in state programs: from a third to a half of all cars.

Lending under various programs, including for the purchase of the first car, began to operate in 2014. In fact, in 2017, the government made some adjustments to expand its capabilities. It is planned that the period of the program will be until the end of this year.

But life always makes its own corrections, everything will depend on economic indicators the entire industry, including the automotive industry. Most likely, it will operate until the economy starts to grow, in order to support the domestic manufacturer, because one of the conditions is that the car must be assembled at Russian factories.

The interest of banks in issuing soft loans under the First Car program is quite high. Everyone fights for a client, you can choose from a large list, in which there are about 90 participating banks. Some of them:

• Sberbank of Russia;
• VTB 24;
• Gazprombank;
• Rusfinance Bank;
• Credit Europe Bank;
• Toyota Bank;
• UniCredit Bank.

When buying a car at a car dealership, you can always clarify the list, since it is updated all the time. Each bank has its own conditions for applying for a loan, so you need to carefully study them before choosing a particular financial institution, nuances are always possible. For example, some give out a loan only according to their list of cars, for others, the condition is health and life insurance of the borrower, others will want a down payment that you cannot afford, or additional guarantees... It is more profitable to get a concessional loan in any case, it helps to reduce the level of payments, and this, in turn, has a positive effect on the family budget.

Cities in which the "First Car" program operates

It is important to clarify that since one of the main conditions for obtaining a loan under the First Car program is the presence of a passport of a Russian citizen, no matter which city of the country you live in, wherever banks participating in this program are located, it is possible to purchase a car ...

Surprising but true!
Several interesting facts for those who dream of buying their first car. Over its long history, cars have changed their appearance, all the time the designers have worked tirelessly to improve the technical characteristics.

• In recent years, electric vehicles have begun to compete with traditional ones. Interestingly, the first car in history to reach a speed of 100 km / h was an electric car. The engines were located on the hubs of the rear wheels, it happened in 1899, by historical standards, quite recently.
• In the world-famous Volkswagen "Beetle", the windshield sprayer was powered by the pressure of the spare wheel, which was located under the hood.
• Steve Jobs agreed to buy a new Mercedes every six months. The fact is that this period, according to the laws of the state of California, you can drive without numbers. The owners of the car dealership, after Jobs returned the car and took a new one, sold the one that Apple's CEO drove for much more. Here is such a mutually beneficial cooperation.

The purchase of a car by the population on credit under the existing state program in 2018 implies the purchase of a car on credit at special preferential terms... In order to support Russian car manufacturers and increase car sales, the Russian government has developed a corresponding program of car loans with state support, which is in effect this year as well. This state program was first launched in 2009, and in subsequent years the government allocated about 5 billion rubles for the implementation of these tasks.

Now for car owners wishing to use such state support, as well as for banking institutions that issue car loans, certain conditions must be met.

A large number of citizens began to actively use car loans under the state program. The advantages are obvious - the state was obliged to pay part of the loan. For example, if a car loan in 2018 is supposed to have a rate of 16%, then in fact, you will have to pay at about a rate of 6-7%. The great demand was also explained by the fact that there was no need for any additional collateral - the car itself was in its capacity, and the registration of voluntary CASCO insurance was optional.

In order to use a loan under the state program, the following mandatory conditions must be met:

• the price of the selected car is less than 1,450 thousand rubles;
• car age - not older than 12 months;
• car weight - less than 3.5 tons;
• car loan term - 3 years;
• the car must not previously be registered with the traffic police;
• the car must be uniquely Russian - assembled on the territory of the Russian Federation.

Banks and rates

In the first years of the work of the state program, strict requirements were established to determine the participants of credit institutions. The main requirement for banks was that the state had half of the shares, and each of them should have authorized capital about 70 billion rubles. Only a few could withstand such a requirement, therefore in the following years they were changed and weakened. At the moment, in 2018, about 100 banks approved by the government of the Russian Federation can provide loans under the state program.

Here is some of them:

• VTB 24;
• SberBank;
• Renaissance Bank;
• UniCredit Bank;
• RosSelkhozBank;
• UralSib Bank;
• Bank of Moscow;
• RaiffeisenBank, etc.

Car loans are provided by banks in all regions of the Russian Federation. Each credit institution has its own conditions: rates and initial payments. When choosing, you need to consider each bank separately, since each has its own pros and cons. You should not rush to the minimum interest rate, since a number of banks underestimate it, but additionally take fees for issuing loans. An unconditional advantage will be the possibility, for example, of the Bank of Moscow, to repay a car loan ahead of schedule.

For example, in the table below, you can see the approximate rates of banks issuing loans for cars under the state program:

As a result, when summing up the annual results, there were three leading banks that provided the most car loans: RusfinanceBank, VTB24 and SberBank.

What kind of cars can you buy?

The state program gives the right to purchase only those cars that are assembled and produced in our country. They must be completely new, not registered with the traffic police. Today, there are 3 brands that are in the greatest demand: domestic Lada, French Renault and Japanese Nissan. This year, the list of cars that can be purchased with a state car loan includes 50 pieces of car brands.

The following cars are allowed to buy:

1. Chevrolet Aveo, Niva, Cruze, Cobalt;

2. Fiat Albea, Doblo, Ducato;

3. Ford Focus;

4. Kia Ceed, Rio, Spectra;

5. Lada, Gaz, UAZ;

6. Renault Logan;

7. Scoda Fabia, Octavia;

8. Hyundai;

9. Tagaz;

10. Citroen C4.

The list of car brands can be changed in each credit institution separately. Therefore, before applying for a loan, it is required to clarify the information on the availability of a specific car from this bank.

Who Can Benefit?

Depending on the bank, the list of documents for citizens when registering a car on credit under the state program in 2018 may be different. All banks adhere to the basic requirements.

The conditions for obtaining a car loan for citizens are as follows:

1. Age of citizens: 31-65 years old.

2. Citizenship: Russian Federation with a permanent registration in the region where the car is purchased.

3. Documents: Russian passport. A second document is possible, for example, a driver's license.

4. Proof of income: 2-NDFL certificate for 3 or 6 months. The seniority in the last job must be at least 12 months.

5. A copy of the employment agreement and work record book.

Some banks have begun to provide car loans for the minimum number of documents - a passport of the Russian Federation and a driver's license. In such cases, as a rule, the conditions for purchasing a car are changed, for example, increased an initial fee up to 25-30%.

Unfortunately, there are conditions under which banks can refuse a citizen a car loan. Typically it's either bad or flawed credit history or women on maternity leave to care for their children.

How to get a car on credit step by step?

In order to get a car loan and buy a car, you need to follow and follow all the simple steps in steps:

• Decide on the choice of the car you like.
• Consider the conditions for providing loans by banks and choose the one that best suits.
• Prepare and collect everything required documents and submit to the bank.

Applying for a car loan is not much different from a regular loan or obtaining a loan. After the transfer of documents, you must write a corresponding statement. The approximate time for consideration and receipt of a response from the bank is, on average, one or two working days. In some cases, it may be necessary to include a guarantor in the documents.

• Conclude an agreement with the selling company. It should be borne in mind that a citizen does not receive money when applying for a car loan. They are automatically transferred to the seller's account. The citizen receives the chosen car at once.
• Get OSAGO insurance.
• Conclude a loan agreement with the bank. This will require documents for the car (PTS, OSAGO), documents from the car dealership. The bank will provide a monthly payment schedule, when and how much to pay.

After completing simple and sequential actions, the citizen receives the selected car on a formalized loan under the state program.

Pros and cons of a car loan under the state program

For the entire period of validity of credits for state program, namely, from the beginning of 2009, it was used by a large number of citizens. Now the demand for buying cars by preferential car loan is constantly growing.

You can highlight the pros and cons of obtaining this car loan.

Pros:

• A car loan is issued at a preferential interest rate. Interest rate when compared with conventional consumer loans much lower.
• Full transparency and legality of transactions credit institutions, since it is a state program.

Minuses:

• the maximum cost of a car is limited to 1,450 thousand rubles;
• the choice of cars is limited, since cars must be only Russian;
• it is required to provide a lot of documents confirming the borrower's income;
• only citizens of the Russian Federation can use the state car loan program.

What can you get caught and get an expensive car loan?

Those wishing to buy a car by preferential loan so many. Banks are only happy about this because they make money on it.

It is worth noting that the state only regulates the interest rate, while other possible commissions are not regulated.

In this regard, banks can use some tricks:

• although the interest rate on a car loan may be low, and a commission may be charged for its registration and maintenance;
• mandatory registration of CASCO, the cost of which is clearly overstated;
• the commission can be included in the formation of the insurance bank premium;
• processing and approval time can take only a few minutes. This is done on purpose so that when deciding to receive a loan, a citizen does not abandon dubious conditions and does not change his mind.

During the entire period of the state programs on preferential car loans, many residents of Russia have used and purchased cars. As long as there is demand from the population, such programs will continue to work.

We bring to your attention a list of cars that can be purchased under the state program preferential car loans and subsidies. This program began its operation back in 2015, and continues to operate in the current 2019.

Conditions of the preferential program with state support for 2017

The loan is issued for no more than 3 years with obligatory introduction first installment of 20% and insurance. The purchased vehicle will act as collateral in this type of loan.

The cost of the purchased car cannot exceed the amount of 1.45 million rubles and the weight of 3.5 tons . Plus, the purchased car must be manufactured in 2016 or 2017.

In order for it to fit the terms of the program, it is necessary that the vehicle is not registered and not owned by another natural person... In other words, you will not be able to purchase.

The interest rate will be calculated as 2/3 of the current Central Bank of the Russian Federation , which on this moment is 8.25% per annum. The contract must contain both the new rate and the one at which the calculation will be carried out.

You will learn about all the nuances from the video:

New conditions in 2019

Let us remind you that earlier the state carried out and financed preferential car loans due to the fact that the key interest rate was very high, loans from commercial banks were prohibitively expensive, and no one wanted to buy cars. To support the domestic auto industry and the banking market, they began to subsidize interest.

Now the refinancing rate has dropped significantly (to 7.25%), loans from banks have become more affordable, and the Government has refused to further subsidize%. Now financial organizations themselves set the interest rates they see fit. But certain categories of people still have the opportunity to save money.

The First Car and the Family Car are new projects that appeared in 2015. According to their terms, the participant will be able to count on a discount of 10% of the cost vehicle in the event that it meets certain conditions. For residents of the Far East, a bonus - a discount of up to 25%!

At the same time, you cannot participate in both projects, you need to choose only one. The first is suitable for those who previously did not own a personal car, but have a driver's license. The second is suitable for couples with two or more minor children.

How do I get a car subsidy?

It is provided by the bank itself, where you apply for a loan. Since the program applies exclusively to the purchase of new vehicles, the purchase will take place in a car dealership. It is there that you need to ask one of the managers about the availability of benefits.

Which cars are suitable:

• new (no later than 2017-2018 years of release),
• cars,
• the cost should not exceed 1.45 million rubles.

There is a certain list of cars that are suitable for preferential car loans. If you are interested in the Family Car program, then the full terms and conditions are available on the official website hsemeynyy-avtomobil.ru. They are also listed in the table below:

How can you get a preferential car loan with government support? Everything is quite simple: you choose a car that fits the above conditions and either contact a loan officer directly in the salon, or you apply to any of the banks offering car loans.

Which banks provide loans with state support:

How the registration process looks like: you collect the documents, submit them to the loan officer for consideration and wait for the bank's decision. If it is positive, you draw up a sale and purchase agreement, CASCO, make an initial payment and sign a loan agreement.

It will be possible to pick up the car as soon as the bank receives financing, the subsidy is transferred for 2 days. Please note that when applying for a car loan under the state program, it is imperative to take out insurance

Raiffeisen, Soyuz, VTB 24, Uralsib, Gazprom, Ak Bars, Sovetsky, Moskovsky and Svyaz-Bank - the main list financial institutions Moscow, offering to issue a car loan with state support.

A number of criteria:

• The size assessed value from 750,000/1150,000 rubles.
• Weight - up to 3.5 tons.
• Release date - up to 1 year.
• The initial payment is 15-20%.
• Terms - up to 36 months.
• Absence in registration lists,

The lineup:

Principle of registration of concessional loans

State support program launched to increase demand for cars domestic production... Discounts are provided to customers purchasing a car under the current conditions. For example, if the standard size interest charges will be 15.5%, then participation in the special program will allow you to issue a loan at a rate of up to 10%. Compensating part of the payments, government bodies provide an opportunity to pay the bank 2/3 less of the refinancing rate of the Central Bank.

It's important to know! The amount of documents, the first installment and the term of the contract depends on the amount interest rates... The total cost includes payment of CASCO or OSAGO insurance policies.

List of requirements

Loans with state subsidies are available to the following borrowers:

• Age limit: 21-65 years old.
• Russian citizenship.
• Registration in Russia.
• Work experience of 3 months or more at the last job.
• The first installment is from 15%.
• No negative credit history.

Women with children under the age of 6 months. will refuse to issue a loan.

Loan instructions

Main steps:

• Vehicle selection. The main criteria for the selection of a car are its brand, release date and price. The bank also takes into account the size of the first installment.
• Choosing a credit institution. Experts recommend submitting applications to several institutions. This will help you find the maximum profitable terms lending.
• Registration of the application and provision complete package documentation.
• If the bank is approved, the vehicle should be purchased and sold.
• Transfer of the first installment. Its size is stipulated by the loan agreement.
• Car registration with the traffic police. This operation is carried out before the signing of an agreement with the bank or after it.
• Conclusion insurance contract and registration of the car as a pledge (to the creditor).
• Conclusion of a loan agreement.
• Receiving funds to the account of the car seller.
• Receipt of the vehicle at the disposal of the applicant.

For a loan, people apply for whom it is planned to issue a vehicle in the future. Applicants reserve the right to transfer control of the machine to other people by power of attorney. The period for processing the documentation is from 1 to 3 months. It takes several days to review the application.

Collecting documentation

A standard package of documents for Moscow includes:

• Loan application.
• Passport of a citizen of the Russian Federation.
• Driver's license.
• Proof of income (2-NDFL certificate with display of information on the amount of earnings for 3 - 6 months).
• A copy of the labor book, certified by the head of the organization. The term of official employment is 6 months. at the current place of work and 1 year for 5 years of total experience.

The exact list of documentation depends on the choice of the lending institution. For example, in the Security Council of the Russian Federation and VTB 24, upon making an initial payment of 30%, to obtain a loan, it is enough to provide 2 documents. This allows you to reduce the time for consideration of the application. Upon individual consideration of the application, the bank may request additional document, confirming identity (TIN, SNILS, international passport).

The procedure for calculating the interest rate

According to legislative acts, preferential car loan conditions are available for urgent loans. Interest rates are determined by refinancing provided by the Central Bank. For calculations, the following formula is used:

C = D - 2/3 X P, where:

• C - unknown interest charges on the loan.
• D - current rates for a car loan.
• Р - approved refinancing rates in the Central Bank of the Russian Federation.

Example 1: the amount of interest accrued on a loan - 20%, within the framework of state support - 10.67%. Then, C = 20 - (14 x 2/3).

Example 2: Determining Monthly Payments

Ivanovna. decided to buy a NissanAlmera car for 600 thousand rubles. To obtain a preferential loan, he needs to prepare a first installment in the amount of 120 thousand rubles, i.e. 20% of the loan amount. He plans to take the money for the purchase of a car VTB 24. The payment period is 24 months.

The base rate of the credit institution is 20%. Taking into account government subsidies, lending is carried out at a rate of 12%. Then Ivanov N.A. undertakes to pay off monthly at 22.595 rubles.

The total amount of the repaid amount in 24 months will reach 542.280 rubles. Overpayment of 62,280 rubles.

List of preferential programs

"First car"

The issue of spending 6 billion rubles is being resolved. government subsidies for vehicles purchased by novice car enthusiasts as their first car. The amount of discounts is 60 thousand rubles, which will help to sell 100 thousand new cars produced by Russian manufacturers within the framework of the program. But this program has a limitation: the age category of drivers reaches up to 30 years, and the price of a vehicle is up to 800 thousand rubles. There are also proposals for compensation of the first installment within the framework of compulsory motor third party liability insurance.

"Family car"

The program is designed for families with at the time of registration of the contract from 3 children. The amount of subsidies allocated by the state is 6 billion rubles, and taking into account the amount of discounts of 100 thousand rubles, it is expected to purchase up to 60 thousand cars on preferential terms. The limit on the cost of passenger cars is 1 million rubles. It is not yet known about the possibility of summing the discount with the previous program.

"Social workers"

Workers budgetary sphere(including teachers, paramedics, etc.) can expect to receive a discount when registering a car up to 60 thousand rubles. The amount of funds allocated for the implementation of the program is 6 billion rubles, which will make it possible to sell 100 thousand cars.

Concessional lending

The conditions for preferential car loans with state support have been preserved, where the amount of the compensated interest rate is 2/3 of the indicators approved by the Central Bank. It was decided to spend 10 billion rubles for these purposes, which will ensure the implementation of 300-350 thousand new car models.

Where to buy a car?

Car purchase is available in 3 places:

• Moscow Motor Show. Many car dealerships are partners of credit institutions involved in the government subsidy program, this determines the availability of proposals that fall under the category concessional lending... After inspection from the vehicle, potential borrowers can immediately go to the financial institution recommended by the car dealership.
• Market. A number of credit institutions cooperate with specific car markets. They usually attract customers at an affordable cost.
• Cars are pledged. In assets financial institutions there are always pledged vehicles at an attractive price.

Advantages and disadvantages

Positive sides:

• Decrease in interest rates.
• Selection of domestic and foreign brands.
• A large selection of credit institutions participating in the program.
• Minimum size initial payment - from 15% of the cost.

Negative characteristics:

1. The maximum term is up to 3 years.
2. The marginal cost is from 750,000 to 1,150,000 rubles.
3. The ability to purchase only a new car.
4. Provision of a loan - in ruble currency.

Moscow banks offers

Gazprombank

Car loan program for individuals secured by the purchased new vehicle of foreign or Russian production.

The first installment is 20% (15% in case of purchasing a foreign car from Gazprombank's partners).

Terms - up to 36 months.

The minimum interest rate is 12.75%.

Amount - up to 1,000,000 rubles.

Interest (excluding subsidies):

0.50 p.p. for clients who do not have accounts opened with Bank GPB (JSC).

0.50 p.p. when buying a domestic car.

The maximum rate, including subsidies, is 9.5%.

Rosselkhozbank

Amount - up to 1,150,000 rubles.

Currency - ruble.

The first installment is from 15%.

Terms - up to 3 years.

Disbursement Fee - No.

Repayment - every month in equal installments.

Encumbrance is a pledge of the purchased car.

Consideration of the application - up to 4 days.

Obligatory agreements - for opening a bank account, vehicle insurance and client's life insurance.

Disbursement of funds - to the borrower's account for further transfer to the seller.

Rates - from 17.5% (under the subsidy program 2/3).

6% in case of refusal or non-payment of insurance.

1.00% for salaries.

2.00% for "reliable" clients.

Bank of Moscow

TS: foreign or domestic passenger car.

Terms: up to 3 years.

Currency: RUB

First payment: 30 - 50%

Amount: from 750 thousand to 1 million rubles.

Percentage: 13.0 - 17.5%.

Collateral object - purchased vehicle.

Rosbank

Car loan is provided: for salaries.

Insurance: CASCO, on standard terms.

Currency: RUB

Amount: up to 1 million

Terms: from 6 months. up to 3 years.

First payment: from 20% of the cost of the vehicle.

Interest: 15.00 - 16.50% (according to the preferential program, their size will be 2/3).

Fee for providing the amount: no.

Additionally: making payments for personal insurance, CASCO (when signing agreements with bank partners, it is possible to issue a loan to repay the insurance).

UniCredit Bank

Looking for: purchase of foreign cars or new cars of domestic production Lada and UAZ (Hunter, Patriot, Pickup) 2016, 2017 years of release.

Term - up to 36 months.

Currency - RUB

Amount - up to 1, 15 million rubles.

Initial payment: from 20%.

The decision is valid - 2 months.

Consideration of the application - 30 min. when participating in the Express Loan program and 1-3 days under standard conditions, after providing a full package of documentation.

Loan repayment - annuity.

Banks reserve the opportunity to change the terms of lending upon individual consideration of the application.