Car on the market claim to the borrower for the last six months markedly reduced as well as an opportunity to purchase a car of any class in any condition. In addition, widespread special car with zero contribution from a zero interest rate. As a result, car loans available to almost everyone.
When the bank borrower needs to pay attention not only on the size of the interest rate, but also to ascertain the amount of additional costs associated with obtaining and repayment of the loan. "Some banks charge a fee for opening the loan account, which comes to 2% of the loan, while others charge a commission for the conversion of funds, for consideration of an application" - warns zampredpravleniya Bank "Soyuz" Catherine Demygina.
Loans for the purchase of vehicles, most issuing banks for a period of three months to five years. The interest rate on the basic program of 9-16% in the currency. Often, the amount of interest rates depends on several factors. One of them - a form of verification of income. "If the borrower confirms their income certificate 2 NDFL, the interest rate is 9% in currency and 14% in rubles if free - a 9.9 and 15% respectively," - explains the Head of the Department of lending to individuals RosEvroBank Alexei Babkin.
In addition, the higher the initial payment, the less it may be the percentage of the loan. A customer with a positive credit history, in Sobinbank granted preferential interest rate on credit.
However, even without the rate of credit will be reduced. "The rates on loans will be lowered due to competition, and by reducing the real value of resources", - said the project manager car Gazenergoprombank Alexey Tokarev. Only this year, banks have lowered rates by an average of 2-3%. "This year, our bank has lowered the interest rate on loans issued in rubles, from 16 to 12% per annum, - says deputy director of department of retail business of Bank of Moscow Roman Vorobyov. Gazenergoprombank cut interest rates both in rubles and dollars for 1-2%, and the International Industrial Bank (BCH) - 2-3%.
Moreover, banks are trying to expedite this process. "Today is a reorientation in collaboration with the car to the program without a down payment and spetsprogrammy with reduced rates or free," - said a senior economist of the retail products department of the International Industrial Bank Vyacheslav Vorotnikov. For example, the purchase of any Ford model under 7-7,5% Loans International Moscow Bank (IMB), the Ford Focus in the same bank, you can receive a loan under 4,9-5,4%. By spetsprogramme You can also buy BMW - at 7% of Raiffeisenbank. To use the lower interest rate, you must have an amount of 40-50% of the value of the car.
"We are witnessing the emergence of new proposals and joint marketing campaigns of banks, and auto insurers - explains the director of Center for development of retail products Impexbank Valery Kardashov .- They are to providing various types of installment, interest-free loans, bonuses when paying insurance premiums and so forth. " With 50 percent down payment, banks "Vanguard", "Soyuz", IMB and RosEvroBank give free loans for up to three years for the purchase of Volvo, Land Rover, Mazda, WV, Ford, Jaguar, Opel, and "Chevrolet-Niva.
In addition, BCH, Bank Soyuz, Citibank and the Moscow credit bank (IBC) offers a loan without a down payment. "These programs allow resellers increase sales of particular models, and buyers - a real savings when you purchase a car on credit and make it more accessible more expensive model of the car" - said Alexey Tokarev.
IBC and BCH are encouraged to take credit for Peugeot at 9% per annum with the first payment. The International Industrial Bank operates the program for the purchase of Nissan by 9% and 12% of Volvo. The bank "Union" on a program with an initial contribution from the rates 9-12%. And Citibank, you can take the ruble credit for this program by 15-21%. "Under the program 0% involved 'miser', 'miser' and 'very smart'. Without the down payment - young, good earning, which are often not willing to save," - argues Vyacheslav Vorotnikov.
According to Alexey Tokarev, the advantage of special programs is that, at the same cost of a car becomes more affordable. The point is that the additional fees the bank is not the client, but with auto. "In doing so, increases the range of potential buyers," - said Alexey Tokarev.
Over the past year, the procedure for issuing car noticeably easier, primarily due to a significant reduction in the package of documents submitted to the bank. Thus, RosEvroBank asked borrowers to provide a passport, driver's license, a copy of employment record or employment contract, as well as a certificate of income for the last six months - in the form of 2-NDFL or in free form. "Practice shows that these documents can be collected within a few hours" - said Alexey Babkin. According to Alexey Tokarev, "is now a potential borrower must provide only a certificate of income from employment, as well as copies of the usual documents: passport, driving license and employment record." Around the same list of documents required and Sobinbank.
Sine qua non of credit insurance is purchased by a car, life and disability borrower, as well as its auto liability. Cost of insurance depends not only on the value of the car. Each bank has a partnership agreement with the insurance companies. The borrower may obtain the insurance company in a friendly bank. This is worth paying attention to the rates the insurer and the amount by which you propose to insure the car. Usually, it is estimated the percentage of the cost of the machine. The cost of car insurance make up 6-10% of its value.
YEVGENY Dmitriyeva, www.kommersant.ru
