Bank of Moscow to start the Express-car. " The main feature of the program express car - the speed and convenience for customers. By providing a minimum set of documents, the decision of the Bank on a loan can be obtained within one hour.
Now residents of the regions in which the branches of the Bank, may buy a new or used vehicle by paying only 10% of its value.
< BR> According to the terms of the "Express-car", the borrower can become a citizen of Russia at the age of 21 to 60 years of experience at the last place of work for at least 6 months. The maximum term of the loan when buying a new car - 3 years, second-hand (no older than 3 years) - 2 years. Securing the loan is purchased the car. In order to provide the Express-credit "borrower need only a passport and any other identity document.
Credit is issued in the amount of 120 thousand to 600 thousand rubles, or 4 thousand to 20 thousand U.S. dollars or euro. The interest rate on the "Express-credit" of 14% in Russian rubles, or 11% in foreign currency. Monthly fees for maintaining the ruble accounts - 0.3%, currency - 0,2%. The Commission for the issuance of credit is absent.
According to the rules of the "Express-car" with a car purchased arranged package of insurance services company ( "Moscow insurance company", RESO-Garantia, Ingosstrakh). The agreement includes the insurance avtokasko (theft, damage), insurance (compulsory insurance of civil liability), a voluntary insurance of civil liability. The insurance contract is valid for one year with an annual extension for the duration of the loan. On the client the cost of insurance premiums for one year may be included in the cost of credit (subject to insurance in the "Moscow insurance company").
"Certainly, this program will become very popular , -- Head of Department considers retail lending Bank of Moscow Dmitry Solodov. - The application scoring model with express car loans reduces the time a loan of up to one hour. A minimum initial contribution makes it possible not to postpone the purchase. This is especially relevant against the backdrop of ever-changing prices of cars ".
Source: Kredity.Ru
