The best car loan. Car loan for a new car – which bank offers the best conditions? Used car loan

As a rule, a car loan is issued for several years, so it is very important at this time to cooperate with a reliable financial organization that will not let you down.

There are five main criteria that you should pay attention to when choosing a financial institution:

1. Advantageous offer. If you borrow money, then it is logical to assume that you want to overpay less for the loan, so the main thing when choosing a bank is the total cost of the loan - this is the interest rate plus all commissions and additional fees. This indicator must be specified in the contract. If you want to calculate the rate before visiting the bank, you can use Sravni.ru, which will build a rating of the most advantageous offers, focusing on the final price of the loan.

2. Down payment. If you have money for a down payment, then choose a bank with an appropriate offer. The higher the payment, the lower the overpayment on the loan. There is no money for the first payment - go to the bank where this is available.

3. Insurance. There are difficult choices ahead. Most banks require you to purchase a policy, the cost of which can be 7-10% of the price of the car, which leads to a significant increase in costs. On the other hand, some banks offer car loans without necessarily purchasing insurance, but you will have to pay a few extra interest for this. Carefully calculate the overpayment for the first and second options - choose the bank where the overpayment will be less.

4. Availability of car loan repayment. A very important factor that is usually not thought about when obtaining a loan. The money taken will have to be repaid monthly. You can get a cheap loan from a little-known bank, but then struggle to pay the debt, since the bank’s offices may be closed on weekends or located far from your home or place of work. We advise you to choose a bank that is located near your travel route and has the ability to pay your debt through a terminal (ATM) or using.

5. Find out reviews about the bank. Often, the inconvenience of cooperation with a credit institution can negate its attractive conditions: the bank may have incompetent employees, if there are delays in payments, threats may arise, or the bank may constantly have time-consuming queues. Ask your friends, colleagues or look for reviews about the bank on Sravni.ru - make a choice based on the information received.

Sravni.ru advice: Any consumer may have a conflict of interest with the car seller. As a rule, car dealers cooperate with several banks at once, so they offer to take out a loan from one of the recommended credit institutions. Here you run the risk of getting into a situation where you are given an unprofitable loan with a higher interest rate. Do not give in to the seller’s persuasion, you have the right to make your own choice: if you are offered good conditions, agree; if you doubt it, find another bank.

Car loans are one of the most popular banking products in the Russian financial services market. The opportunity to immediately drive a car by purchasing it on credit attracts many consumers. After all, not everyone can save the required amount for such an expensive purchase. This page presents offers from all Russian banks, after studying which you can choose a product with the most favorable conditions.

Under what conditions can you take out a car on credit in Moscow?

Banks provide loans for the purchase of cars from domestic manufacturers and foreign cars on the following conditions:

• term – up to 5 years;
• average maximum amount – 3-4 million rubles;
• down payment – ​​from 20%;
• the average interest rate is 10-14% per annum.

The loan is provided for new vehicles and used cars. Banks impose stricter requirements on those who want to purchase a used car on credit. The purchased property automatically becomes the bank's collateral. If the borrower fails to fulfill financial obligations, the car becomes the property of the lender. And a used car, as a rule, does not have high liquidity - it will be difficult to sell it for a refund. That is why it is quite difficult to get on favorable terms. One of the banks’ requirements concerns the age of a used car: the car should not be older than 5 years.

You can buy a car if you take out CASCO insurance, and this will significantly increase the size of the loan. Those who want to buy a car without a down payment should not count on low rates and flexible terms. The rate in this case can reach 25%. In this case, the bank may require the execution of an agreement with the guarantor to obtain additional guarantees.

The standard list of documents for obtaining a loan includes:

• passport;
• application in the form of a questionnaire;
• driver license;
• work book and salary certificate.

Some banks offer to buy a car on credit in Moscow without proof of income using two documents. This option is not suitable for clients with a bad credit history - in order to receive a positive decision, they need to provide the bank with as many documents as possible confirming their solvency and the presence of a stable source of income.

How to find a profitable car loan?

To find out what rates and conditions are offered as part of the lending program, use the search service on our website. Enter the loan amount and term into the search parameters. A loan calculator based on this data will show:

• a complete list of banks in the capital that are ready to provide a loan for the purchase of a car;
• interest rate;
• monthly payment;
• approximate amount of overpayment.

Comparing the performance of all credit institutions will help you make a choice in favor of one program or another. From our website you can apply for a loan and get a quick decision.

Forces manufacturers to look for new ways to stimulate car sales. One of them is credit programs, of which there are many on the market. Let's start with the most recent one.

Ford

On July 12, Ford dealers began selling cars on credit without a down payment. The program allows you to purchase a car, the maximum cost of which is 1,450,000 rubles. Such vehicles are subject to . Looking ahead, we note that most of the credit programs of automakers are based on this state program, because it allows you to give the client a loan at a reduced interest rate.

The Ford Credit program was developed by Ford Sollers together with Cetelem Bank, a subsidiary of Sberbank of Russia.

Let's make a reservation here. Not everything can be taken this way. Let's say a sedan with a two-liter engine with a power of 199 hp, an automatic transmission and Titanium pre-top equipment costs 1,581,000 rubles. And this includes all discounts and special programs. So he is not covered by the state program.

The loan term is from one to three years, the interest rate is 10.8%.

Hyundai

Hyundai has a similar program - “Start with a zero down payment”, which the company developed together with Rusfinance Bank LLC. You can use it to buy both a sedan and a Creta crossover.

Let's say the Solaris we want to buy costs 849,900 rubles (1.6, 123 hp, automatic, Comfort package plus the optional Winter package). We take out a loan for three years. Then the interest rate on a car loan will be 10.8%. The residual value of the car is 382,455 rubles. It turns out that within 35 months we have to pay 18,702 rubles. And in the last, 36th month, we pay off not only this payment, but also the residual value of the car. That is, you need to fork out 401,157 rubles at a time. After that, the bank gives you the title, and the car is yours.

The overpayment on the loan will be 205,795 rubles. It is advisable to include life and health insurance in the loan. After all, if there is such insurance, then in the event of injury or illness, no one will remove the debt obligations from the car owner, and if there is a delay in payments or non-payment of the debt, penalties and fines will apply. But if life and health are insured, then the problem will be solved by the insurance company. But if you still decide to take a risk and save, then know: in this example, when applying for a loan, life insurance is not imposed. At least that's what Hyundai assured us.

Don’t forget that you need to include a mandatory comprehensive insurance policy in the calculation. And this is an additional and by no means a small expense item. Please note that a comprehensive insurance policy for Solaris, including when purchased under a program with a zero down payment, is offered as a gift.

All programs with a zero down payment have an obvious disadvantage: due to the larger amount of debt, the overpayment on such loans is the most significant.

For the same Solaris, which was written about above, under the Start program with an initial payment (say, 30%), you need to pay 10,085 rubles monthly (the interest rate on the loan is 10.10%). Last payment - 396,371 rubles, overpayment - 166,688.97 rubles. For the Creta crossover, the conditions are the same.

The loan can be repaid ahead of schedule by regularly depositing more than the minimum amount. Then, according to the contributions, the last (residual) payment will decrease. And don’t forget about the comprehensive insurance policy, which is not included in the calculation. Under the Start program, Hyundai car owners receive discounts on spare parts and bonus points that can be exchanged for gifts from partners.

Renault

Renault's program is similar to those offered by Hyundai and Ford. Only the residual value of the car, fixed in the contract, in this case is 40%. The basic principle of all programs: the higher the down payment, the less the overpayment on the loan.

Let's consider a purchase (1.6, manual transmission, front-wheel drive, Life package) for 879,000 rubles. The first payment is 440,151 rubles (50% of the cost of the car). Deferred payment - 351,600 rubles (40%). Monthly payments - 5900 rubles. In this case, the overpayment on the loan will be 125,151 rubles.

Under this program you can also purchase a Duster and a lifted Sandero Stepway hatchback.

Logan can be purchased on credit under another program offered by RN Bank. Let's say the cost of a car (1.6 l, M5, Access equipment) is 499,000 rubles. We take out a loan for three years. Having made an advance of 250,000 rubles, you will need to pay 8,446 rubles monthly. Overpayment - 55,056 rubles. The cost of the loan already includes a comprehensive insurance policy, but only for a year. So in the next two years you need to renew your insurance by paying extra for it.

Principles of the “Start” and “Let’s Go!” programs similar, but slightly different options that a car owner can use in the last month, when he needs to pay off a large remaining payment. If he is unable to do this, the bank will offer to extend the loan agreement for another two years. It is possible to exchange the car for a new one by selling it under a trade-in scheme. In the program “Let's go!” Renault offers options such as “Reasonable Casco” and “Budget Protection”, which provide car insurance at special rates.

Some borrowers are wondering: what is better to take – a consumer loan or a car loan? The disadvantage of loans for any purpose is higher rates compared to car loans and the maximum amount is often limited to several hundred thousand rubles. Consumer loans benefit from a simple issuance procedure, the absence of mandatory CASCO insurance, collateral and a down payment.

Car loans without a down payment are offered by VTB. But this condition only applies to foreign cars. Without insurance and when registering with two documents, you will have to pay 20% of the cost of the car, and to purchase a Russian car with borrowed funds - 30%.

At Bystrobank there is no down payment for loans less than 700 thousand rubles. If the amount is greater, it will be 20%. At Zenit Bank, a 0% down payment is possible without additional conditions.

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Today, a car is no longer a luxury item. Many families cannot imagine modern life without a car. Therefore, when there is no point in repairing an old car, and the money has not yet been saved for a new one, the family collects all the information about a car loan - where it is more profitable to get it, what interest rates and other loan conditions exist.

Features of car loans

One of the distinctive properties of this type of loan is that it is taken for targeted needs, i.e. for the purchase of a car. Today, almost all banks offer this loan, so choosing just one is not very easy. But at the same time, such an abundance of offers is beneficial for the borrower: due to the current competition, banks are trying to offer more favorable conditions to their customers.

The main disadvantage of a car loan is that the car remains as collateral with the bank. Those. Until it is fully redeemed, you will not be able to dispose of it at your own discretion - sell, give, etc.

The best car loan offers

To find the most profitable auto programs, you need to focus on the following aspects:

• the lowest interest rate on the loan, which determines the total overpayment,
• a small down payment - the buyer pays the borrower a certain amount to confirm his desire to take out a loan. Moreover, you can find organizations where such a contribution is not required. But it should be noted that the interest on the loan in this case will most likely be higher. Some banks even have the practice that without a down payment you can only purchase an expensive car (not cheaper than 500,000 rubles).
• The car itself is of great importance. Some lending institutions issue loans exclusively for new cars, others prefer to help with the purchase of used vehicles (but there are very few of them). But most often one rule applies - the borrower buys a car from a car dealership, not from an individual.
• car insurance program, driver health and life insurance. Almost all minimum car loan rates are valid only if the client agrees to compulsory car insurance under the CASCO program. Then the cost of servicing the loan increases. However, if you do not agree to their terms, the loan interest itself will increase.
• the smallest package of documents. There are organizations that can issue a car loan according to two documents. This is a passport and driver's license or TIN. But when you prioritize this requirement when choosing a suitable bank, do not forget that credit institutions in such cases increase the interest rate and (or) the down payment.
• There are special offers that usually involve providing installments from the machine manufacturer(most often foreign).
• State support for the purchase of domestic cars. The list of vehicles suitable for this purpose is determined by law. The state requires that the transaction be completed in rubles.
• The price of the car should not exceed 1,450,000 rubles. Thus, you can only purchase a passenger car up to 3.5 tons, starting from 2016. The down payment is ⅕ of the total cost of the car. The car loan is issued for a period of 3 years.
• As part of limited-time promotions and general programs from banks with car dealerships, you can find reduced interest rates or get a good discount to purchase a car on credit.

To choose between a car loan and non-targeted lending, you need to consider all the conditions of banks in 2019. Interest rates on non-targeted lending are also reduced. And, if everything is calculated, perhaps the overpayment will turn out to be insignificant. But you will not be forced to pay Casco and the car will remain your property. This means that if the financial situation worsens, it will be possible to sell it at a profit and pay off the missing part of the debt.

5 banks with the most profitable car loans

So that you can quickly navigate the existing variety of offers, we offer you the TOP 5 banks where it is more profitable to take out a car loan.

Car loan at VTB-24

VTB-24 is one of the most famous and well-established banks. In terms of car loans, this company offers a wide range of programs.
Currently loans are issued:

1. for a new car from 11.1% to 7 years;
2. for used cars (purchase is also possible from a private person) – up to 5 years, from 11.9%;
3. There is a state subsidy program with a 10% discount on the initial price of a new car and an initial contribution of up to 20%.
4. There are special offers for cars of the brands GM-AVTOVAZ, HYUNDAI, JAGUAR, KIA, LADA, LAND ROVER, LIFAN, SUBARU, SUZUKI, VOLVO, UAZ, GAZ.

Requirements for borrowers:

1. permanent registration in the area of ​​presence of any bank branch,
2. citizenship of the Russian Federation,
3. full-time work experience - at least one year,
4. Last job experience was more than 3 months,
5. average monthly earnings of at least 30,000 rubles,
6. age 21-65 years,
7. availability of two telephone numbers.

Car loan at Alfa Bank

This credit institution issues loans for a new or used car, and the decision is made in just 1-2 days.

1. loan amount up to 2,000,000 rubles. for a used car, up to 3,000,000 for a new one.
2. down payment - from 15% of the final price of the car,
3. rate from 12.49%,
4. Alfa Mobile application.

Requirements for borrowers:

1. age from 21 years,
2. total experience from one year,
3. permanent registration in the area where Alfa-Bank operates,
4. 90 days of experience at last job,
5. citizenship of the Russian Federation.

Car loan at Gazprombank

This credit institution offers loans for new and used cars with the following conditions:

1. down payment for new cars - from 15%, for used cars - from 20%,
2. the largest amount is 4,500,000 rubles,
3. up to 7 years, and for domestically produced vehicles up to 3 years,
4. rate - from 12.75%.

Requirements for borrowers:

1. permanent registration in the Russian Federation,
2. Work experience at last job was more than 4 months,
3. citizenship of the Russian Federation,
4. total experience of more than a year,
5. age 20 – 65 years,
6. no bad credit history,
7. The amount of income must allow you to make monthly payments on the loan.

Car loan at Vostochny Bank

There are special conditions for purchasing a used car. You can take money to purchase a car without CASCO insurance. In general, the bank's proposals are as follows:

1. consideration of the application in one day,
2. loan amount up to 1,000,000 rubles,
3. period from one to five years,
4. rate from 19%.

The requirements for borrowers are quite flexible:

1. age: 21 – 75 years (including loan term),
2. Work experience at last job was more than 3 months,
3. citizenship of the Russian Federation,
4. for citizens under 26 years of age, the total length of service is at least one year,
5. availability of income, the amount of which will allow you to pay interest on the loan.

Car loan at Rusfinancebank

This bank cooperates with more than 2000 car dealers. Therefore, you will be able to choose a car according to your needs and capabilities. The organization offers a large selection of lending programs in this area.

1. “Forsazh” for the purchase of a new car with a rate of 13.5% for a period of 2 – 5 years and an initial payment of 20%.
2. “Excellent opportunity” - issued for a new domestic car, the conditions for obtaining are similar to the “Fast and Furious” program.
3. “Dizhok” for a foreign car with mileage with a down payment of 20% from 17.5% 2 – 5 years,
4. “Used car” - for a Russian-made car with mileage with a down payment of 20% and an interest rate of 15.9% for 2 to 5 years.

Requirements for borrowers:

1. permanent registration in the Russian Federation,
2. age 23 – 65 years,
3. citizenship of the Russian Federation,
4. Minimum 4 months of experience at last job to purchase a new car, no less
5. six months to purchase a used car.