Bank "Petrocommerce" has launched its own car. Under this program, the Bank provides loans in rubles or U.S. dollars on the purchase of new cars of domestic and foreign production, used vehicles (up to 4 years) a foreign proceeding, as well as installed in the vehicle auxiliary equipment. Loans are granted for a period of 1 to 3 years (at the cost of the car to 15 thousand U.S. dollars), or from 1 to 5 years (at the cost of the car more than 15 thousand U.S. dollars).
Minimum loan amount is 100 thousand rubles. (loans in rubles) or 3 thousand dollars (a loan in U.S. dollars), max - 1,8 mln. (or 60 thousand U.S. dollars), while available each borrower the maximum loan amount is determined individually in accordance with the Bank's methodology.
Interest rates depend on the term for which credit is granted, and the size of down payment and loan amount for a period of 1 year of 12-14% per annum in rubles (9,5-10,5% annual in U.S. dollars), at 2 year - 13-15% per annum in rubles (10-11% per annum in U.S. dollars), for 3 years - 14-16% per annum in rubles (10,5-11,5% annual in U.S. dollars), at 4 or 5 years - 15-17% per annum in rubles (12-13% per annum in U.S. dollars). To obtain a loan must be given to the Bank a passport, an additional proof of identity, as well as a certificate of income. If the statement of earnings, other than the information on Form 2-NDFL, the rate for loans in rubles increased by 1.5%, while loans in U.S. dollars - at 1%, in addition, in this case, you must provide a copy of the labor record, certified by the employer.
Bank provides the possibility of early repayment of the loan at any time and for any amount over the life of the loan agreement, it does not charge a commission for early repayment.
Source: Kredity.Ru
