It is no secret that most of the cars on our roads - brand new domestic or foreign "iron horses" - were purchased by their owners on loan. bank funds. It no longer frightens and surprises our fellow citizens, which once seemed like an outlandish beast. financial instrument easy and simple to use. Previously, many people preferred either to accumulate the required amount, which, given the cost of a car, is almost unrealistic for most of the Russian population, or to drive old Zhiguli until they completely fall apart.

But banks were able to solve this problem unambiguously - why wait, take the money and buy a car right today, right now, and you will pay it back in 5-7 years, although already with interest, under such conditions, for example, Sberbank provides car loans to individuals and business representatives.

So, if you have finally made your decision to buy new car, then it's time for you to go to a financial institution for help, for example, take a car loan from Sberbank or another bank. This is especially convenient and practical if your funds are enough to cover only 10% -15% of the cost of the chosen car. Specific programs for the purchase of cars of a certain brand or purpose are covered below, in the section titled “Sberbank car loan offers: conditions and interest rate". In the meantime, let's take a closer look at those basic principles reasonable approach to car loans, which will help you not to become financially dependent on the lender.

Basic principles when choosing a car loan program

1. Assessment of your real financial situation

Yes, loans are distributed to almost everyone, yes, they are affordable and convenient. However, you should not succumb to inappropriate euphoria because of this. Some banks will, of course, be happy to give you a loan to buy a car, without even asking for information about your salary. But it can backfire on you if they give you more money- this is good, but you and only you will have to pay the entire amount + interest - this is bad. Especially if you, in a conversation with a bank employee or in your fantasies, embellished a little real situation of things.

Keep in mind that you will have to spend money not only on the car itself, but also on its maintenance, maintenance, annual maintenance and insurance. In addition, until the loan is fully repaid, you will have to pay CASCO regularly, which is not so cheap.

2. The right bank - a good loan

Deciding on the brand, model and modification of the car is half the battle, the second half is to find the only correct and most profitable bank for you. It is best to first analyze the offers in the bank where you are a member salary project, opened a deposit, work, took and repaid a loan. In this case, you, for sure, as a well-established and proven client, will be offered such conditions, for example, for a Sberbank car loan, that borrowers who are served on a general basis have never dreamed of.

In addition, significant discounts and a lower than the market average rate of interest can be found in the framework of special programs designed for the sale of strictly limited brands or models of cars.

3. Collect all the documents that you may need at the bank

This principle may surprise you, and, indeed, it is not clear why you bring a certificate of income, a work book, certificates of ownership of this or that property, if the creditor himself does not ask you for this.

Everything is elementary, like twice two. The fact is that today they will give you a car loan with a civil passport, coupled with rights, but it may well turn out that the rate will be prohibitively high, maximum size loans are insufficient, and penalties are too severe. The bank takes risks without receiving all the information about the client, and therefore seeks to insure one way or another and recapture its monetary risks.

Offers Sberbank car loan: conditions and interest rate

Well, now we can talk more specifically, we will discuss the programs that the most big bank countries and talk about whether a car loan at Sberbank is profitable.

The bank's car loan program "For the purchase of a car"

As part of this program, you can purchase a passenger car exclusively at a car dealership, but any car will do - foreign or not, new or used.

Other conditions in this case are:

For used vehicles, the age is less than 5 years for Chinese and domestic brands, less than 10 years for other brands;

Car loan term - from 3 months to 60 months, in other words, up to 5 years;

The lower limit of the loan amount is 45 thousand rubles of the Russian Federation;

The upper limit of the loan amount is 5 million Russian rubles;

Interest on a car loan - 14.5% - 16% (affects the term and size of the initial client fee);

An income statement is required if own funds only enough for 30% of the price of the desired car.

The bank can provide a customer with a loan up to 100% of the value of the car or only up to 85% if there is a desire to include the vehicle insurance in the loan amount. By the way, insurance is required in without fail both in relation to the borrower and in relation to the car.

As for other requirements for the client, he cannot be less than 21 years old and more than 75 years old on the date of the final and full repayment of the debt to the creditor (also applies to co-borrowers). Registration can be both temporary and permanent, experience - only more than 1 year, in general, and more than six months at the last job.

In addition, it is possible to get this car loan from Sberbank of Russia not only in rubles, but also in foreign currency. The conditions are the same, the whole difference is only in the amount and interest rate under the contract.

The lower limit of the loan amount is 1.4 thousand US dollars (1 thousand euros);

The upper limit of the loan amount is 150 thousand US dollars (120 thousand euros);

The percentage of own funds - from 15%;

Interest on a car loan - 11.5% - 13% (affects the term and size of the initial client contribution);

If you deposit from 30% market price car and above, then you can present quite a few documents - a civil passport and a driver's license (or any other second document that fits the conditions of a car loan at Sberbank).

In addition to this program that is universal in all respects, Sberbank of Russia is actively promoting various joint partnership programs to help purchase a car. The point is that if you choose a car of a particular brand, you can get a better loan than if you agreed to take a loan on a general basis.

Bank's special program for car loans "For the purchase of new or used cars of the Audi brand"

This offer is common to Sberbank and Volkswagen FU RUS. If you like any of the Audi models, then you can significantly save on interest.

In the case of purchasing a new car, the conditions will be as follows:

The interest rate at Sberbank on a car loan is from 13.5% to 15% in Russian rubles and from 10.5% to 12% in euros and US dollars (the term and size of the initial client contribution affect).

For the purchase of a used car, the rates are as follows:

Car loan term - from several months to 60 months, in other words, up to 5 years;

The interest rate on a car loan at Sberbank is from 14.5% to 16% in Russian rubles and from 11.5% to 13% in euros and US dollars (the term and size of the initial client contribution affects).

If you are already a client of this financial and credit institution - you have a deposit, receive a pension or salary on a card, then the rates will be lower by another 1%.

Bank's special car loan program "For the purchase of new or used Kia cars"

KIA Finance has also been successfully working with citizens attracted by Sberbank for car loans for a long time. This program is implemented with the help of Kia Motors Rus, and is quite profitable for fans of the Kia brand.

For those who are going to buy a new car, the conditions are below:

Car loan term - from several months to 60 months, in other words, up to 5 years;

To purchase a used Kia car, we offer the following:

Car loan term - from several months to 60 months, in other words, up to 5 years;

For its part, Kia Motors Rus can provide the client with additional discounts when buying cars of certain models and modifications.

In addition, all Sberbank customers can receive a loan without confirming their income in any way and without presenting a work book if they contribute from 30% of the cost of a car with additional equipment from their own funds.

Bank's special program for car loans "For the purchase of new or used Seat cars"

In this case, Volkswagen FU RUS provides potential customers of Sberbank with a chance to buy a new or used Seat car through Seat Credit.

As for terms and interest, the picture looks like this:

The car is new;

Car loan term - from several months to 60 months, in other words, up to 5 years;

Interest on a car loan - from 13.5% to 15% in Russian rubles and from 10.5% to 12% in euros and US dollars (the term and size of the initial client contribution affect).

Car loan term - from several months to 60 months, in other words, up to 5 years;

Interest on a car loan - from 14.5% to 16% in Russian rubles and from 11.5% to 13% in euros and US dollars (the term and size of the initial client contribution affects).

Other conditions for car loans at Sberbank are similar to those indicated in the programs described above.

Bank's special car loan program "For the purchase of new or used Skoda cars"

The Skoda car brand enjoys well-deserved popularity in our country, but, nevertheless, you still want to not only buy the car you like, but also do it in the most profitable way for yourself. The aforementioned lender offers in its joint program with Skoda Credit the following conditions for a Sberbank car loan. For individual models and modifications, you can even count on a special price, a discount.

The car is new;

Car loan term - from several months to 60 months, in other words, up to 5 years;

Interest on a car loan - from 13.5% to 15% in Russian rubles and from 10.5% to 12% in euros and US dollars (the term and size of the initial client contribution affect).

Vehicle - used;

Car loan term - from several months to 60 months, in other words, up to 5 years;

Interest on a car loan - from 14.5% to 16% in Russian rubles and from 11.5% to 13% in euros and US dollars (the term and size of the initial client contribution affects).

Bank's special car loan program "For the purchase of new or used Volkswagen cars"

Volkswagen cars can also be purchased by issuing a car loan from Sberbank, at affiliate program. It will turn out profitable and much more reasonable than under the universal lending program in the same bank or in any other. Here, too, you can choose a model from the list at a lower price than all the others, and thus save even more money.

The car is new;

Car loan term - from several months to 60 months, in other words, up to 5 years;

Interest on a car loan - from 13.5% to 15% in Russian rubles and from 10.5% to 12% in euros and US dollars (the term and size of the initial client contribution affect).

Vehicle - used;

Car loan term - from several months to 60 months, in other words, up to 5 years;

Interest on a car loan - from 14.5% to 16% in Russian rubles and from 11.5% to 13% in euros and US dollars (the term and size of the initial client contribution affects).

Business lending at Sberbank

It is interesting that in this bank you can get a loan for the purchase of a vehicle and for business, so Sberbank car loans are issued not only to individuals.

Bank's car loan program "Business Auto"

Within this unique program you are given the opportunity to buy trucks, commercial vehicles (light), special equipment, trailers, and other types of Vehicle falling under the criteria of Sberbank.

Car loan currency - Russian rubles;

The term for a car loan is from 1 month to 84 months, that is, up to 7 years;

The lower limit of the loan amount is 150 thousand rubles of the Russian Federation for manufacturers in the Agriculture, 300 thousand rubles of the Russian Federation for other clients;

The upper limit of the loan amount - any, depends on financial position applied client;

Percentage of own funds - 10% for the purchase of buses, agricultural machinery, trucks and cars;

Percentage of own funds - 20% for the purchase of other modes of transport.

Keep in mind that for 7 years a loan is issued only to agricultural producers, for everyone else - up to 5 years, but if your business has been operating for less than 1 year, then you will be given a loan only for 3 years.

Sberbank car loan interest rate - from 10.79% per annum (can be calculated individually);

There are no additional fees;

Postponement of debt repayment - for 3 months;

Penalty for late payment - 0.1% of the amount each day of waiting;

Loan collateral - purchased transport, necessarily insured, or a guarantee of legal entities / individuals.

Repayment occurs exclusively in differentiated payments - interest and principal in equal installments according to a schedule agreed by the bank and the client.

The loan is issued to both individual entrepreneurs and legal entities with revenues of up to 400 million rubles, with a period of operation of 6 months for everyone, from 1 year for those who have a seasonal nature of income.

Bank's program for car loans "Express-Auto"

If you want to buy a vehicle for business needs or for personal purposes, but you want to formalize the transaction as individual entrepreneur or entity then this program will definitely interest you. Although Sberbank car loans allow, as in the case above, to buy on borrowed funds and cargo and cars, and commercial vehicles, and special equipment, and trailers with semi-trailers.

So, for those who want to take this car loan at Sberbank, the conditions are as follows:

Car loan term - from six months (6 months) to 60 months (5 years);

The lower limit of the loan amount is 150 thousand rubles of the Russian Federation;

The upper limit of the loan amount is 5 million rubles of the Russian Federation;

Percentage of own funds - 10% of the price of the selected brand and model;

Interest rate on a car loan - 17% -17.5% (affects the term and size of the initial client contribution);

Interest rate on a car loan - 16.5% - 17% (affects a positive credit history in Sberbank, the term and size of the initial client contribution)

In this case, a car loan from Sberbank is issued without paying additional fees, the application form from the applicant is considered within 3 (three) business days, and the bank will accept both the guarantee and the vehicle itself as collateral.

Thus, it is possible to acquire both a new and a used car of domestic or foreign origin.

Remember that the most important thing, after you have chosen a lender and a program, is to carefully read all the documents, the text of the agreement, footnotes, applications that you will have to sign in order to receive a loan.

It is worth doing this in order not to get into an unpleasant situation later, when, at the slightest delay, the amount of your debt will increase exponentially, or when you will be forced to pay for all bank services for your service. Or maybe even the lender will change the interest rate on your car loan upwards after six months or a year of regular payments.

To prevent this from happening, do as we tell you. And then buying a long-awaited car will bring you joy and pleasure, and will not result in unbearable financial debts.

Sberbank operates the Car Loan program, which provides the client with the opportunity to buy a new or used car. The main condition is that the purchased transport will be a pledge in the transaction. A citizen will be able to fully own a car after he pays off the debt.

We will tell you about the conditions for a car loan in the main bank of the country.

Conditions for granting car loans at Sberbank

Citizens of the Russian Federation who are over 21 years old can get a car loan at Sberbank. The conditions and requirements for borrowers when granting a loan are:

• Possession of a valid Russian passport;
• Registration and registration on the territory of the Russian Federation;
• Credit history without debts and delinquencies (you can check the CI);
• Continuous work experience at the last workplace of work - at least six months. For the last five years of work - at least one year;
• The cost of insurance may be included in the loan amount (read about how to return loan insurance in case of early repayment);
• The maximum amount that can be received for the purchase of a car is 85% of the cost;
• The interest rate under the standard program varies from 13.5% to 17% in domestic currency and from 11.5% to 13.5% in euros and dollars. If the client draws up, the interest rate will be from 8 to 10% per annum;
• Car loan amount:
  • From 45 thousand to 5 million rubles;
  • Up to 120 thousand euros;
  • From 1.4 to 150 thousand dollars;
• Mandatory provision down payment. The minimum down payment is 15%.

A feature of obtaining a car loan is that when providing a 30% down payment, the client does not need to confirm income. In this case, the list of documents will be reduced.

On a note! Unfortunately, today there is not a single branch of Sberbank in Crimea, so these offers are not available for residents of the peninsula. But the plastic of the main bank of the Russian Federation works there. Read about how to withdraw money from a Sberbank card in Crimea.

Also, Sberbank has a large number of other offers. For example, you can find out the terms of the mortgage in Sberbank 2019 for secondary housing

Interest rate on a new car

You can get a car loan to buy a new car at Sberbank at a rate of 13%. The final interest depends on the term of the loan:

• Up to one year, the interest rate will be 13%;
• From 1 to 3 years - 14%;
• From 3 to 5 years - 14.5%.

For citizens who are not payroll clients of Sberbank and do not receive a pension on a bank card, the interest rate will increase by 1%. Also, 1% will be added to those who refuse life and health insurance.

Used car rate

Sberbank has a program for providing a loan for the purchase of a used car. The client will be able to buy a used car of domestic and foreign production in a car dealership, subject to the following conditions:

• The interest rate varies from 14.5% to 16%. Interest depends on the repayment period and the amount of the loan.
• The age of the cars must be taken into account:
  • up to 5 years for cars of domestic and Chinese production,
  • up to 10 years for foreign car brands.

Will they give you no down payment?

You can get a loan for a used car without a down payment at Sberbank. However, the following conditions must be met:

• The interest rate depends on the currency in which the loan was issued;
• On the day of purchase, you must pay at least 15% of the total amount car (this is the minimum down payment);
• Obligatory registration of insurance in "Sberbank insurance";
• The client must also provide standard package documents.

Can you apply without rights?

You can apply for a car loan without rights at Sberbank if:

• The car is bought by one of the spouses or a relative as a gift;
• Purchase for the purpose of renting a car. The money received will be used to pay off the loan;
• Registration of a car loan is carried out some time before obtaining rights;
• An individual makes a purchase of vehicles for the company in which he works.
• It is more difficult for a legal entity to do this due to the payment of taxes and the payment of money.

To a citizen who buys a car, but does not have a driver's license, lenders will be as wary as possible. More stringent conditions may be put forward: an increased interest rate, the involvement of guarantors with rights and a passport of the Russian Federation, mandatory insurance.

Required documents for a Sberbank car loan

Add to list required documents includes:

1. application form;
2. Ordinary and foreign passport;
3. Driver's license;
4. Military ID;
5. Vehicle purchase and sale agreement;
6. A document confirming payment for transport in a car dealership;
7. Passport of the vehicle;
8. Insurance policy;
9. Document confirming the payment of the down payment.

Additionally, you must provide: income statement, work book or agreement with the employer.

Quick application form

Fill out the application now and get money in 30 minutes

Sberbank stopped issuing car loans to citizens back in 2015. The company transferred all types of loans previously provided for the purchase of a car to one of its subsidiaries, Cetelem Bank. The new lender has several car loan programs. The amount of the overpayment depends on the model of the vehicle.

Since the conditions for obtaining a car loan at Sberbank have changed and the program is no longer available, you can resort to alternative options for a non-targeted loan - consumer loans for non-targeted purposes and with collateral. The size of the base rate on a car loan at Sberbank was previously 13%. Overpayment for other programs starts from 12.9%.

Terms of car loans

A car loan at Sberbank provided for the transfer of a vehicle as a pledge to the lender until the debt was fully repaid. In 2018, two types of consumer programs are available to individuals:

• without security;
• under surety;
• car loan under the state program.

Consumer non-purpose loan for the purchase of a car at Sberbank without the use of collateral is characterized by the following conditions:

• interest rate 11.4-19.9%;
• maximum limit - 3 million rubles;
• repayment terms vary from 3 months to 5 years.

If a loan is issued with the involvement of a guarantor, the parameters look a little different:

• annual overpayment as a percentage of 11.4-11.9%;
• the maximum allowable amount of issuance is 5 million rubles;
• payment period: up to 60 months.

When applying for a secured loan, the guarantor must also have Russian citizenship, a positive credit history, permanent employment, stable income and meet the age criteria (21-75 years).

Concessional lending is provided to individuals, provided that they receive pension or salary contributions for plastic card Sberbank. Here, an additional advantage will be the absence of the need to document the level of solvency, since the lender is already aware of it.

Eases also apply to the length of service of candidates. The terms and conditions allow payroll consumers to apply even if their current employment period is 3 months or more.

Lending is carried out via the Internet in the personal account of Sberbank Online or when visiting a branch at the registration address. If a consumer receives a pension or salary on an account registered with Sberbank, a loan can be obtained at any of the company's offices, regardless of the address of temporary and permanent residence in Russia.

Statement from payroll client the financial institution will consider no later than 2 hours after the submission of the full package of necessary documentation. All other requests are processed in approximately 2 business days. In the case of a cashless loan transfer, upon approval, the funds are transferred to the account attached to debit card recipient. On virtual cards(without physical media) no withdrawal is made.

All programs of the lender have an annuity repayment scheme. This means that the borrower repays the debt by making equal monthly payments into his account until the repayment period ends.

For violation of the obligation in the form of late payment of principal or interest, the bank applies penalties. If the obligatory regular payment is not made, from the day following the control date, penalties will be accrued at an annual rate of 20% until the debt repayment date.

The payer has the right to close early debentures in part or in full. You do not need to notify the lender of your intentions in advance. It is enough to issue an appropriate application in the office or the Sberbank Online system, where the date of payment, the day and the amount will be indicated.

The minimum payment amount is not limited. In case of early payment, only a part of the interest accrued for the period of use of borrowed funds is repaid. There is no fee for the procedure.

A car loan from Sberbank under the state program in 2018 is not provided, for registration, you should contact the Bank Cetelem. This will make it cheaper to buy a car.

To participate in the program, the state sets a number of requirements.

Among them:

1. Vehicle price. It is allowed to buy a car with borrowed funds up to 1 million 450 thousand rubles.
2. There is no need to make an initial payment when participating in the state program.
3. The range of permitted vehicles includes the names of domestic and foreign manufacturers. It is worth considering that the bank may apply its own list of restrictions when choosing vehicles.
4. The loan must be repaid within 3 years.
5. Loans under the state program are allowed only in rubles. Currencies foreign countries do not apply.
6. The company's regulations do not provide for the collection of an additional commission, but the creditor himself has the right to demand the provision of a guarantee in the form of insurance.
7. The fixed discount is 10%, and the maximum rate is 17%, regardless of the choice of the bank for the loan.
8. State action " family car» applies to borrowers whose family has two or more minor children. For the rest, the "First Car" program is provided.

Number of participants in the issuance campaign preferential car loan for 2018 is limited to 55 thousand.

Additional requirements include:

• Russian citizenship;
• possession of a driver's license;
• the absence of other car loans issued in the current year.

The program provides for the purchase of several vehicles, however, to use this opportunity, both parents in the family must have a driver's license. It should also take into account the limitation of the number of cars that are available for sale as part of the action. For this reason, you need to start the registration procedure as soon as possible.

A car loan under the Family Car project is provided to citizens on the terms state program which means a significant benefit. A 10% discount is provided for the purchase of 55,000 vehicles. You can save as much as 145 thousand rubles.

The benefit is achieved by making an initial contribution to the bank for the vehicle by the state. The duration of the project is limited to the current year 2018. If the set number of cars is purchased earlier deadline the program will terminate prematurely. Only new vehicles are allowed to be purchased, the offer does not apply to aftermarket products.

Before you take out a loan for a car, you should clarify the list of vehicles. Among the brands allowed for purchase by Cetelem Bank:

• Reyvon;
• Suzuki;
• Lifan;
• Skoda;
• Audi;
• Geely.

Acquainted with complete list available on the official website of the financial institution.

The greatest demand among citizens is used by cars of the Russian manufacturer Lada. This is due to the increasing quality.

The terms of lending when buying a car manufactured by AvtoVAZ are standard:

One of the main advantages of cooperation with Bank Setel is the possibility of premature repayment of the debt in the shortest possible time. You just need to visit the bank and write a corresponding application. Payment can be made in part or in full.

Another plus of applying to the services of a lender is loyal requirements. Citizenship of the Russian Federation is not required to obtain a car loan. Applicants whose age is 21-75 years old for the period of making the last installment are considered. In addition, the candidate must have permanent residence permit in the region where Cetelem Bank operates.

The decision to extradite is also influenced by other parameters of the applicant:

• salary level;
• the state of the credit history or its absence.

According to the internal regulations of a financial institution, when processing a request, the amount mandatory contribution should not exceed 50% of the level monthly income. If the criterion is met, the applicant will receive a positive decision.

Refusal is often observed not only among candidates with a damaged credit history, but also in the complete absence of previously issued loans. Similar practice is a necessary measure, since it is impossible to predict the integrity and reliability of a potential borrower in this situation.

Cetelem Bank, like its competitors, is not required to explain the reason for a negative verdict upon a candidate's request. However, most often this is due to negative credit history facts.

Interest rate on a new car

Due to the lack of car loans in Sberbank, interest rates can only be considered using consumer lending programs as an example. A consumer can receive money at interest under one of them and spend the funds on a new car.

The interest rate varies depending on which of the client categories the potential borrower is in. Pensioners and payroll consumers are characterized by special loyalty.

For holders salary cards and persons receiving pension payments on the plastic of Sberbank act special conditions. Loan rate up to 300 thousand rubles. in this case it will be 12.4-19.4% (or 19.9% ​​when applying at the branch). For other categories, the base value is 13.4% and the maximum is 19.9%.

With the amount of issue from 300 thousand to 1 million rubles. the amount of overpayment for citizens of the preferential category is 11.4-15.4%, for other candidates: 12.4-15.4%. In the case of filing an application during a personal visit to the office, the reduced rate will be 11.9-15.9%, and the standard rate will be 12.9-15.9%.

If the loan amount exceeds 1 million rubles, a single overpayment value applies. When an application is submitted in the personal account of Sberbank Online, a rate of 11.4% is applied, and if in the office - 11.9%.

Bet on used car

Sberbank does not issue a loan to buy a car. However, thanks to consumer programs, it is possible to use a loan to buy a used car or a new vehicle. What percentage will be applied depends on the amount of the loan. Thanks to maximum limit the available amount of issuance of 5 million rubles. on loans for any needs, the client will be able to buy a used or new car.

Additionally, the consumer himself will be able to choose his preferred brand among the names of foreign and domestic manufacturers. Annual interest rate compared to programs offered by third parties financial institutions, an order of magnitude lower: from 11.4% to 19.9%.

Basic requirements for borrowers

Since you cannot get a car loan at the Savings Bank, you can apply for a loan at a subsidiary of Cetelem or familiarize yourself with the rules for passing a preliminary check for consumer loans.

The main list of requirements in 2018 remained the same. In Sberbank without guarantors, citizens who meet the following criteria can receive a loan:

• age 21-65 years (for unsecured loans);
• Russian citizenship;
• current experience from six months, total - from a year for the last 5 years;
• positive CI.

If the applicant attracts guarantors, the upper age limit is increased to 75 years. By the time the debt is paid in full, the age of the payer cannot exceed the established limit.

Due to the lack of a car loan from Sberbank, the conditions for providing a similar product can be clarified with the specialists of the subsidiary company Setelem by phone, on the website or during a personal visit to service centers. The company participates in the state subsidy program, so preferential car loans are available to consumers.

Is there a car loan with no down payment?

A car loan without a down payment for a new car or a used vehicle cannot be taken from the Savings Bank. The organization has not been providing car loan services since 2015. However, instead of target loan you can use consumer product inappropriate purpose.

For citizens, loans are provided, the receipt of which is accompanied by the provision of a minimum list of documents, and are provided at Sberbank without a down payment. A candidate can apply for up to 5 million rubles, and there is no need to report on the purposes for which funds are required. The list of required documents for applying for a driver's license is not included.

If this option is not suitable, you can contact the services of a subsidiary of Cetelem Bank. The company was created just for the purpose of car loans to the population. Among the products of the institution, the borrower can choose the most advantageous option and apply for a loan if its parameters meet the requirements.

How to get a car loan at Sberbank

A car loan with state support in Sberbank is not provided. You can apply for a consumer loan to buy a car. The request is made in two ways:

• in the Sberbank Online profile;
• by visiting the office.

If the application is made via the Internet, the algorithm of actions will be as follows:

1. Open the site online.sberbank.ru and log in with your credentials.
2. On the toolbar, find the "Credits" tab and go to it.
3. Among the proposed products, select the "Take a loan" section.
4. Indicate the category to which you belong: salary, standard or pension.
5. Specify the desired amount, repayment period and availability of insurance. The system will automatically determine how much interest the overpayment will be, and calculate the amount of the mandatory payment.
6. Now decide on the address of the service branch, which is located in the region where you are temporarily or permanently registered. Then press the button "Get a loan".
7. Confirm your agreement with the terms of the bank by entering secret code received on your mobile phone number.
8. After that, a form for specifying basic information will open. You need to enter an additional phone number, check your passport and registration details.
9. In the next section, select your marital status, enter information about your spouse and children (if any).
10. Include information about education, place of work, income level and property ownership (if any). When finished, click on the “Submit Request” button.

For unregistered users in the Sberbank Online service, online application is also provided at the link online.sberbank.ru/CSAFront/guest/entry.do?request=credit&_ga=2.92991444.876981753.1529769806-2001110375.1524897125.

After processing the request, an SMS with a preliminary decision will be sent to the client's number. If it is positive, the applicant needs to contact the service office and submit a complete package of necessary papers.

If the application will be processed at a branch of Sberbank, then a set of documents must be collected in advance and handed over to the teller along with the completed application form. Once submitted, the request will be reviewed within 2 business days. The applicant will be informed of the decision by SMS. If approved, it remains to contact the branch to sign the contract and obtain a loan for the purchase of a car.

Documents for a car loan in Sberbank

As already mentioned, to buy a car with money taken at interest from Sberbank, a car loan is not required. Instead of a target loan, you can apply for a classic user loan. The maximum amount of which in the Savings Bank is 5 million rubles.

In addition to the application to apply for signing loan agreement The applicant will need to collect the following titles of papers:

• candidate's passport with Russian citizenship;
• documents confirming the availability of employment (a copy of the labor) and the amount of earnings (certificate 2-NDFL).

If a guarantor is involved in the execution of a loan, he must also meet the specified requirements.

If the loan is issued without collateral, the package mandatory documentation includes:

• a completed application form for a potential borrower;
• loan application;
• passport with Russian citizenship;
• registration on the territory of the Russian Federation (temporary or permanent);
• certificate of income, certified by the head;
• an officially confirmed copy of the labor with seals and signatures of the head.

Today, applicants with a temporary place of residence can apply for a loan.

Applying for a car loan online

Among the design options to issue online application in Sberbank it is possible for all types of products offered to the population. To fill out the application form, you must indicate the presence or absence of an account in the Sberbank Online system. If the login is not assigned, you will need to provide information about the contact mobile phone number.

The applicant will receive an SMS with a password, which is required to confirm the identity of the candidate during the online procedure. All fields of the form are filled in to submit the request for consideration. If the bank is previously ready to provide a loan, it is necessary to collect the necessary documentation for submission to the branch of the institution.

If the user already has a profile in the Sberbank Online service, the procedure is simplified. These individuals can obtain lender approval without making a personal visit to a branch of the Savings Bank.

Video about car loans in Sberbank:

How to pay off a loan

For all types of lending, Sberbank uses annuity scheme payments. This procedure is characterized by making payments of the same amount. The main difference of this method of repayment is that at the beginning of the debt repayment period, the accrued interest is mostly paid off, and the amount of the principal debt is reduced slightly.

However, it is not excluded that the payer will have additional funds, allowing him to cover the debt ahead of schedule. An example is inheritance. Despite the absence of commission fees for early payment, it is still worth getting acquainted with the accompanying nuances.

Early repayment

The procedure is not accompanied by difficulties. The client needs to go to the branch at a convenient address and sign the application. The text of the document indicates the amount of early payment and the account number for debiting money towards the payment. Minimum value for early repayment of the debt is not established.

There are many resources on the Internet where borrowers are advised to choose weekdays for the operation. However, according to the official information of the lender, a transfer is available on any day. If it falls on holidays or weekends, payment is made through the Sberbank Online system.

It takes up to 3 working days for the money to be credited to the credit account. In case of early payment of interest, interest is paid for the period when the borrowed funds were actually used. If insurance was issued along with the loan, then the payer has the right to return the funds for unused time by terminating the contract with the insurer.

Video about the pros and cons of car loans:

The Sberbank car loan calculator will help you calculate the parameters of a car loan, and also form a payment schedule.

Sberbank of Russia provides car loans in rubles and foreign currency, for a period of up to 5 years. With a car loan, you can purchase new as well as used cars, while the age of the car should not be more than 5 years for cars of domestic and Chinese production, and no more than 10 years for other cars.

The requirements for borrowers who decide to apply for a loan at Sberbank include:

• citizenship of the Russian Federation;
• age from 21 to 75 years;
• More than 6 months of experience at the current job.

To apply for a car loan, you need to provide the following documents to the bank:

• application form;
• Passport;
• With absence permanent registration- document confirming temporary registration;
• Documents confirming labor activity and income received, or a second identity document, to choose from;
• Documents for the purchased car.

It is worth saying that at the moment, a car loan at Sberbank can be obtained without proof of income and employment. In this case, minimum size the down payment increases from 15% to 30% of the car's value.

The decision to grant a loan is valid for 6 months. During this period, the borrower can decide on the choice of car. A prerequisite for Sberbank car loans is insurance of the purchased car, while the amount of the insurance premium may be included in the loan.

The main conditions for a Sberbank car loan:

* If the borrower does not have a permanent registration, the period for which the loan is granted is limited to the period of temporary registration.

For customers receiving wages or pensions on Sberbank accounts/cards, the interest rate on car loans will be reduced by 1% per annum.

You can calculate the parameters of a car loan at Sberbank using the calculator below.

Just a few decades ago, buying a car was considered a luxury. By the presence of a car in the family, they judged the material condition. Nowadays, a car is just a means of transportation. Almost everyone can buy it on credit.

Today in Russia there are many banks where, with a minimum set of documents, you can get a loan to buy a car. But among the diversity financial institutions, Russians often choose Sberbank, considering it reliable and proven.

Conditions for obtaining a loan

The official website of Sberbank has credit calculator, where, if desired, it is possible to calculate an approximate monthly payment. Loan terms and interest vary. and depend on many factors loan amount, loan term, loan purpose. For bank customers, the procedure for granting a loan is one; for those who have nothing to do with the bank - another. But the main conditions are:

• citizenship of the Russian Federation;
• age from 21 to 65 years;
• permanent place of work(at least six months in the last place and at least 1 year of total experience).

Loan programs and annual interest

There is no car loan, as such, in Sberbank. But it is quite possible to take a loan to buy a car. financial institution offers two types of loans for any purpose.

consumer credit

The bank offers its customers the opportunity to issue credit loan in the amount of 15,000 to 3,000,000 rubles for any purpose, including the purchase of a car.

• the approximate percentage per annum is from 14% to 19% for a period of 3 to 24 months and from 15% to 20% for a period of 25 to 60 months.
• For ordinary clients exemplary annual interest- from 15% to 20% for a period of 3 to 24 months and from 16% to 21% for a period of 25 to 60 months.

Consumer loan secured

Amount of secured loan individuals can vary from 15,000 to 5,000,000 rubles at a more attractive annual percentage.

• For owners of salary and pension cards exemplary rates from 13% to 18% for up to 3 years and from 14% to 19% for up to 5 years.
• For ordinary clients approximately 14% to 19% for up to 3 years and 15% to 20% for up to 5 years.

Registration procedure

To obtain a loan, you must leave an application at the bank branch, providing the required package of documents.

Salary clients of Sberbank m can apply for a loan online, through Personal Area. To get a loan at a branch, you need to provide bank card"Sberbank" and an identity document.

Required documents

The following documents are required to apply for a loan:

• application-questionnaire;
• passport(obligatory citizenship of the Russian Federation and registration);
• information about wages over the past six months;
• certified copy of the work book by the employer;

Early repayment of a car loan

If possible, credit can be repaid early at any time. This can be done both online and at a bank branch by writing an appropriate application. The loan repayment service is free.