VTB24 Bank is one of the largest market participants banking services in Russia, which provides its clients with a number of targeted and non-targeted loans. In the field of targeted lending, the most popular are car loans aimed at helping customers choose and purchase a car of domestic as well as foreign brands.

VTB24 offers private and to corporative clients both basic lending programs and special ones developed by bank employees in partnership with the largest car dealerships and official dealers cars in Russia.

Basic lending conditions

In VTB24 on this moment There are 5 main car loan programs with basic conditions, which have the following advantages:

The following table will help you understand the conditions and interest rates for the above basic lending programs:

Program	Interest rate	Down payment	Amount of credit	Loan terms	Application review period
AutoStandard	19% - new cars, from 20.9% - used	From 20%	From 150,000 to 5 million rubles. — new cars, from 150,000 to 3 million rubles. -used	1-7 years	Up to 2 days
AutoLight	20,5%	From 20%	From 100,000 to 2.8 million rubles.	1-5 years	Up to 2 days
AutoExpress	20,5%	From 20%	From 100,000 to 1.5 million rubles.	1-5 years	Up to 1 hour
Commercial vehicles	21,9%	From 20%	Up to 3 million rubles.	1-5 years
Secured cars on credit	20,9%	20%	5 million rub.	1-5 years	Individually in each case

The purchased car serves as collateral for the loan in these programs. The AutoStandard and AutoLight lending programs can be issued to a guarantor.

Important: A couple of years ago at VTB24 it was possible to get a car loan without a down payment, but economic instability and changes in financial sector countries led to the abolition of such a condition. To date, all programs with basic conditions can only be issued by paying an initial payment of at least 20%.

Bank clients can purchase a used car under the AutoStandard program; for all other programs, the maximum age of a foreign-made car should not be more than 10 years at the time of applying for a car loan.

Car loan programs with special conditions

VTB24 operates the following special car loan programs with special conditions:

1. Kick Down: the terms of this program apply to the purchase of cars only from the following brands - Ford Kuga, Fiesta, Focus, KIARio, Cee'd, Sportage, Cerato, Optima, Hyundai Solaris, Elantra, Creta, i40, Tucson.
2. Driver: special conditions for the purchase of UAZ and LADA Kalina, Granta, Largus.
3. Million: purchase of new cars costing from 1,000,000 rubles.
4. Express: reduced rates and the ability to obtain a loan in 30 minutes.
5. Car loan with residual payment: a loan for the purchase of a new car, part of the amount for which is paid in equal installments every month for credit term, and the remaining amount must be paid at once on the date of the last payment.
6. AutoPrivilege: the main advantages of such a program are increased amount and the terms of the car loan, the most convenient conditions for the client for processing and repaying the loan.

Interest rates, loan amount and other conditions for these programs:

Program	Interest rate	Amount of credit	An initial fee	Loan terms	Application review period
Kick Down	From 14 to 18%	From 100 thousand to 2 million rubles.	From 20%	From 1 to 5 years	Up to 2 days
Driver	From 16.9 to 20.5%	From 200,000 to 1 million rubles.	From 20%	From 1 to 3 years	Up to 1 hour
Million	From 14.9 to 16.9%	From 350 thousand to 3.5 million rubles.	From 20%	From 1 to 5 years	Up to 2 days
Express	From 15.9 to 17.9%	From 300,000 to 1.5 million rubles.	From 20%	From 1 to 5 years	Up to 30 minutes
Car loan with remaining payment	From 15.9%	From 100 thousand to 5 million rubles. – depends on the car brand	From 20%	From 1 to 3 years	Up to 2 days
AutoPrivilege	From 12.9 to 15.9%	From 1 million rubles. up to 7 million rubles	From 30%	From 1 to 7 years	Up to 2 days

Interesting fact: Special lending programs also do not provide for the possibility of obtaining a car loan without a down payment; the minimum loan payment is 20%.

VTB24 also cooperates with the following dealers and car showrooms, developing special programs for the purchase of only certain brands of cars:

• Cadillac
• Hyundai
• Jaguar
• Lifan
• Land Rover
• Subaru
• Suzuki
• Gazelle

Important: To date, in the line of basic and special programs of VTB24 Bank there are no car loan programs with government subsidies that would allow clients to purchase cars with government subsidies.

Do I need to take out insurance when getting a car loan?

When applying for a car loan under basic or special programs, it is necessary to insure the collateral car; bank employees recommend using the “Instead of CASCO” program as one of the options for insuring collateral.

Within the framework of this program, insurance is provided for any brands of new and used cars not older than seven years, from category “B”.

Insurance risks"Instead of CASCO":

• Complete destruction of the car.
• Theft or theft of a vehicle.

At the client’s request, the car loan amount may include (regardless of the size of the down payment on the loan):

• Life insurance
• DSAGO
• DKASKO
• Motorist
• Automap

Advice: Without a CASCO policy, clients can receive a car loan only within the framework of the basic AutoExpress program.

Instructions for applying for a car loan at VTB24

To obtain a car loan from VTB24 Bank, you must use the following step by step guide:

• Fill out an online application on the website, at a bank branch or partner car dealership.
• Hand over required package documents to the Auto Loan Center in person or through personal manager car dealership
• Receive the results of the application review from bank employees. When positive decision– draw up an insurance contract at a car dealership and receive a package of the following documents from the dealer:

1. Copies of the car purchase and sale agreement, PTS.
2. A copy of the car invoice.
3. Other documents if necessary.

• Contact the Auto Loan Center to apply loan agreement with the bank.
• After the bank employee transfers the necessary sum of money to the car dealership, the car purchase is considered complete.

To apply for a car loan from a bank, the client will need to provide the following: mandatory documentation:

1. Passport.
2. The original, which confirms income for the last six months (certificate on banking form, extract from bank account, certificate in form 2-NDFL).
3. A copy of the work book, certified and filled out by the employer, is required only if the loan amount is more than 1.5 million rubles and the down payment is less than 50% of the cost of the car.

If necessary, bank employees may require you to provide the following documents:

1. Rights.
2. Documents confirming education.
3. Documents that confirm the presence of expensive property in the client’s property.

Procedure for repayment and early repayment of a car loan

The car loan is repaid every month in equal amounts, and the first month's payment is preferential (interest only). In case of delay in payment of the loan or interest, the client is charged a penalty in the form of a penalty, which is 0.1% per day and is calculated from the amount of unfulfilled obligations.

You can repay your loan debt in the following ways:

• ATM with cash function Money.
• VTB24 bank office.
• Internet bank.
• Transfer of funds through another bank.
• "Golden Crown" system.

Early repayment of a car loan under all basic and special programs is possible without any restrictions by phone through the bank’s call-center, while submitting an application for early repayment no need to go to a bank office.

VTB Bank is one of the largest and most reliable banks in the country. Here clients are offered a full range of services, including car loan processing.

Programs and offers

A car loan at VTB Bank can be obtained under one of 6 programs. The bank offers to take out a loan to purchase:

• new car in the showroom;
• used car in the showroom;
• used cars from third parties;
• commercial vehicle;
• new motor vehicles.

Also at VTB Bank you can refinance a car loan issued at another bank. The main condition is that there should be no delays.

Interest rate when buying a new car

You can get a car loan for the purchase of a new car at a dealership through VTB at a rate of 3.5% per year. To get the minimum bet you need:

• be a VTB client and receive your salary on a VTB card;
• provide a complete package of documents (if you are a VTB client, a passport and driver’s license is enough);
• apply for CASCO insurance;
• insure your own life.

The amount the bank can approve depends on your income. The maximum is 7 million rubles, and the minimum is 300,000. The loan period is up to 5 years. It is also necessary to make a mandatory minimum payment in the amount of 20% of the cost of the car.

Interest on the purchase of used cars

It is also possible to get a loan for the purchase of a used car from VTB Bank, and the lender gives you the right to choose:

• the car can be purchased at a car dealership;
• from third parties.

When purchasing a used car from an individual:

• It is not necessary to apply for CASCO insurance, but you need to be prepared for a full check of the car and the seller, which will be carried out by the bank.
• There is no need to make a down payment if a foreign car is purchased and the lender has been provided with a certificate of income. When applying for a loan for a used car using only 2 documents (passport and driver’s license or other document), the down payment is 20%, and for domestic cars 30%.
• The interest rate is 8% when taking out life insurance and 10% when canceling this insurance. Maximum amount under this program - 3 million rubles.

When buying a used car at a car dealership(Extralight program) conditions are more favorable:

• The interest rate is from 2.5%, but there may be surcharges for canceling a CASCO and life insurance policy.
• The maximum amount is 5 million, but if CASCO is waived - 3 million.
• Down payment - from 20%.

Can you buy a car without a down payment?

You can buy a used car from third parties without a down payment if it is a foreign car. It is also important to provide the bank with a complete package of documents (there must be a certificate of income). The interest rate is 8% if life insurance is taken out, and 10% if the service is canceled.

All other programs require a down payment of 20-30% of the cost of the car.

Will they give you a car loan based on only 2 documents?

VTB Bank has a very loyal attitude towards customers, so almost anyone who meets the bank’s requirements can get a car loan here.

You can buy a new or used car at a car dealership, as well as a car from third parties, by applying for a loan from a bank using only 2 documents - a passport and a second identification document. Hello, it doesn’t have to be a driver’s license, you can take out a car loan without a license.

How to apply?

To get a car loan under one of the programs at VTB Bank you need:

1. Fill out an online application on the bank’s website;

2. Wait for a decision;

3. Choose a car and complete the transaction.

Before you decide to fill out an online application for a VTB car loan, make sure that you meet the bank’s requirements:

• you must be a citizen of the Russian Federation (foreigners with a residence permit are also eligible);
• age 21-70 years;
• registration and residence in a city where there is at least one bank branch or the nearest one is no more than 70 km;
• total work experience of 1 year, and in the last place - from 3 months.

It is also important to have a good average monthly income:

• for residents of Moscow and the region from 30 thousand rubles per month;
• for other regions from 20 thousand rubles per month.

It is important to understand that if you already have at least one loan, the bank may refuse, since there may not be enough income to repay both obligations. After paying taxes, an individual must have at least 40% of their own official earnings left for personal needs.

The processing time for an online application for a car loan at VTB Bank is 30 minutes - 2 days.

Additional favorable conditions

At VTB Bank you can apply for profitable car loan by choosing a car at the bank's partner showroom. So, a car loan for:

• Chevrolet NIVA from 13.9%
• Hyundai from 12.1%
• Jaguar 3.2%
• Kia 12.1%
• LADA from 13%
• Land Rover from 3.2%
• Lifan from 6.5%
• Subaru from 5%, etc.

Let's summarize the advantages of applying for a car loan at VTB Bank:

• You can get a car loan, just like for a purchase new car, and for a used car;
• You can get a loan without having to make a down payment when purchasing a car from third parties;
• Registration of CASCO insurance is not a prerequisite;
• The only documents required are a passport and a driver's license or other identification document;
• You can reduce the rate (that is, get a loan for a car at minimum percentage), if you provide a certificate of income and be a salary client of the bank;
• Quick Review online applications(30 minutes);
• Opportunity to purchase a car on favorable terms from partners.

Car loans from VTB 24 (VTB24) are very popular among the population. The bank is one of the leaders among Russian financial organizations on the portfolio of issued car loans. The reasons that make it attractive to obtain a car loan from VTB 24 are reasonable interest rates, transparent lending conditions and a simple loan processing procedure.

Each borrower can choose the most preferable lending option depending on their needs. If his priority is to obtain a loan at the lowest possible interest rate, then best choice there will be an “Autostandard” program. But the conditions for issuing such loans are the most stringent.

If the borrower values ​​the simplicity of obtaining a loan, then Autolight will be his preferred option. When you want to buy a car on credit in an extremely short time, Autoexpress is suitable.

Finally, VTB 24 has reduced interest rates on a wide range of auto brands.

Review of conditions for credit programs from VTB 24

Standard lending programs include Autostandard, Autolight and Autoexpress. Like all banks, VTB 24 has a rule - the simpler and faster the loan is issued, the higher the overpayment on the loan will be.

So, according to the classic “Autostandard” program interest rate set at a rate of 18.5%, according to “Autolight” without proof of income – from 20.5%, according to “Autoexpress” according to two documents – from 21.9%.

Increased interest rates are set for used cars – +2 p.p. to the base rate – and domestic cars – +1 p.p. (within the framework of "Autoexpress").

A car loan from VTB24 Bank can be issued for an amount starting from 30 thousand rubles. up to 5 million rubles If you wish, you can take the equivalent in currency (dollars or euros). The more documents the borrower provides to confirm his solvency, the larger the loan he can count on. Thus, within the framework of the Autoexpress program, the loan amount cannot exceed 1 million rubles. according to Autolight - 2.8 million rubles.

The processing time for a loan application is 2 business days. The only exception is “AutoExpress”, the decision on which is made as quickly as possible - within one hour.

The down payment for all lending programs should not be less than 20% of the cost of the car. For used cars, the down payment cannot be less than 30%. The more own funds the borrower contributes, the more profitable the loan offer will be for him.

The bank's car loan is provided for terms from one to 7 years. Loans for a period of more than 5 years are possible only under the Autostandard program.

Loans are provided without commissions. Penalties are charged only for late loan payments in the amount of 0.6% per day.

Borrowers are given free Visa card to repay the loan.

Early repayment is possible from the first month; its minimum amount is not regulated. However, it is worth considering that in the first month of lending the entire amount monthly payment goes to pay off interest. Then the loan is repaid monthly in equal amounts.

CASCO insurance is mandatory in all cases, except for the AutoExpress program. Without insurance, the base interest rate on the loan increases by 4 percentage points. The cost of insurance can be included in the loan amount, but only if you make a down payment of 30%.

VTB 24 also allows you to buy a commercial vehicle on credit. The bank has developed a special program “Commercial Transport”. It allows you to purchase vehicles at a rate of 20.5% for an amount of up to 2.8 million rubles.

A preferential car loan from VTB 24 Bank can be issued for cars of the following brands: Chevrolet, Hyundai, Jaguar - Land Rover, KIA, Lada, Lifan, Mitsubishi, SsangYong, Suzuki, Uz-Daewoo, Auto GAZ and UAZ. Lending conditions under special programs are more favorable for borrowers in terms of the amount of overpayment, as they are provided with favorable interest rates.

In order to pre-calculate a car loan and estimate your costs for purchasing a car, you can use a car calculator. It is offered by VTB 24. The calculator allows you to see detailed loan parameters in advance, such as the required income to apply for a loan, the minimum amount of equity depending on the down payment and the cost of the car.

The calculator allows you to estimate how much the cost of servicing a loan will increase if you include the cost of the first year of CASCO insurance in the loan amount.

After analyzing the feedback from bank clients in the field of car loans, we can draw the following conclusions:

1. It is necessary to carefully study the contract before signing. Employees often include the cost of life insurance in it, which increases the overpayment on the loan. Insurance is voluntary and not a mandatory condition for obtaining a loan.
2. To avoid sanctions, you need to discuss the deadline for transferring the PTS to the bank and the conditions that allow it to be extended.
3. It is worth requesting information from the BKI upon expiration of the loan agreement. Often, bank employees mistakenly transmit incorrect information to the bank.

Requirements for a borrower for a car loan

To qualify, the borrower must be between 26 and 65 years of age. A prerequisite for issuing loans is the absence of a negative credit history.

Another condition for obtaining a car loan is the presence of permanent registration and actual residence in any region where VTB 24 offices are present. An exception is made only for military personnel, who are allowed to receive a loan if they have temporary registration.

The bank is regulated seniority and the size of the minimum income. A total work experience of more than 1 year is required, and at the last place of work - more than 3 months. The amount of income required to approve a loan is from 30 thousand rubles. for Moscow and the region and from 20 thousand rubles. for other regions.

Documents for obtaining a car loan at VTB 24

In order for VTB 24 to submit the requested package of documents. It depends on the type of car loan program, as well as the category of the borrower.

Thus, salary clients of the bank when applying for a loan in the amount of less than 1 million rubles. They can only show a passport.

Whereas the Autostandard program requires a full package of documents. It includes:

• loan application;
• passport, borrower rights;
• a copy of the work book;
• documents confirming income (2-NDFL certificate, bank account statement, etc.).

To apply for a loan under the Autolight and Autoexpress programs, the borrower will need two documents. This is a passport and a second one of your choice (licence, international passport, military ID). You can also provide copies of educational documents and evidence of expensive property.

A VTB 24 loan allows you to buy a car for an individual entrepreneur. To do this, they must provide a copy of the state registration certificate, a copy tax return with the Federal Tax Service mark.

If a spouse participates in repaying the loan, a similar package of documents is provided. VTB 24 allows you to register a car in the name of a third party. In this case, the owner of the car must become the mortgagor and guarantor under the agreement.

VTB 24 Bank provides car lending services on the most favorable terms for the client. You can receive a positive response on a loan to purchase a vehicle within 15 minutes.

A prerequisite for providing car loan in VTB is the full compliance of the client’s documents with the stated requirements. Preferential categories of borrowers can count on special conditions providing a loan. Also valid Government program subsidizing car loans.

Conditions of registration car loan

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The bank issues loans with or without a down payment. The interest rate is determined depending on the terms of registration. General terms for all clients to receive car loan at VTB in 2018 year:

• The loan period is up to 5 years.
• The cost of the car is no more than 5 million rubles.
• Mandatory CASCO insurance. The client chooses the insurance company himself.
• Loan refinancing is possible.

Important!

Clients receiving salaries from this bank do not submit additional documentation.

An application for a car loan is completed through the bank’s official website, indicating all the necessary information. Within 48 hours, the application will be reviewed by managers, after which an SMS notification will be sent to the applicant’s specified phone number.

Interest rates on loans in 2018

Depending on the type of car loan issued, money is issued to the client at the following interest rates:

Autostandard program

• The rate on a VTB car loan is 16.7%.
• Mandatory down payment – ​​20%.
• Loan term up to 5 years.
• The amount that can be borrowed is from 400 thousand to 10 million.
• Mandatory insurance.

Under this program they are issued as new vehicles, as well as used cars.

VTB car loan"Autolight"

• The rate is 14.7%.
• Loan term up to 7 years.
• The amount that can be borrowed is from 150 thousand to 10 million.
• Compulsory VTB car loan insurance.
• Issued without proof of income.

You can purchase new vehicles or used cars.

3. "Autoexpress"

• The rate is 16.7%.
• Mandatory down payment – ​​30%.
• Loan term up to 5 years.
• The amount that can be borrowed is from 200 thousand to 10 million.
• There is an option in which you don’t have to take out CASCO insurance.

A decision can be made within half an hour.

4. “Freedom of choice”

• You can buy a car from a private person.
• A comprehensive check of the seller and the vehicle is required.
• The rate is 11.9%.
• No down payment.
• Loan term up to 5 years.
• The amount that can be borrowed is up to 3 million.
• You don't have to take out CASCO insurance.

A “Freedom of Choice” car loan can be issued in one visit to the bank.

Requirements for the borrower

Loans are provided to individuals and legal entities. Basic requirements for applicants:

• Age from 21 to 65 years.
• Citizenship of the Russian Federation.
• Registration in the region where VTB 24 Bank, where the car loan is issued, is located.
• Official employment.
• Work experience of 6 months or more.
• Having a positive credit history.

Compliance with all requirements must be documented.

Car loans with government subsidies

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Preferential categories of the population will be able to purchase a car on credit through a financial institution lending program. According to the program, 2/3 of the loan falls under the state refinancing program. This part is repaid from budget funds.

Mandatory conditions for obtaining a car loan with government subsidies:

• Only Russian-assembled vehicles are refinanced.
• Used vehicles must be no more than 12 months old.
• Vehicle weight – up to 3.5 tons.
• The price of a car is up to 1 million rubles.
• He is not registered with the State Traffic Safety Inspectorate.

The amount of overpayment is from 7% to 9.5%. The contract is signed for a period of up to 3 years.

Note to clients

At the end of 2017, the Khabarovsk branch of VTB 24 almost doubled the issuance of car loans. The amount of car loans in the branch reached 210 million rubles, which is 40% more than in 2016.

In the Khabarovsk Territory in 2016, 125 car loans were issued, about 30% of them were issued under the state subsidy program.

Vladimir Selivanov, head of the Khabarovsk branch of VTB Bank, noted an increase in credit optimism among the population. In addition to the increase in the number of car loans, the population is actively buying housing

Features of obtaining a car loan from VTB Bank in 2019-2020

VTB Bank today offers profitable terms loans for the purchase of cars for individuals. A car loan can be issued for the purchase of new and used cars of domestic and foreign production.

You can borrow money for a car from VTB Bank without proof of income, as well as using the security of the purchased car, which makes obtaining a loan more accessible. Special, more favorable car loan conditions are provided for corporate, including salary clients jar.

The bank has special joint programs with car manufacturers, which allows you to get a profitable car loan for preferential terms for individual car brands.

VTB 24 car loans in 2019-2020: interest rates and conditions

At VTB Bank you can get loans for new cars and used cars with mileage. Compare the terms and interest rates of various car loan programs in force today.

VTB car loans for new cars: interest and conditions

The down payment when purchasing new cars is at least 20 percent of the cost of the car. But interest rates and conditions vary depending on car loan programs.

ExtraLight

Special offer for new cars.

AutoPrivilege

Increased loan amount and extended loan terms.

Car loan with remaining payment

Loan for the purchase of a new car with a minimum monthly payment.

VTB car loans for used cars: interest and conditions

Used cars can be purchased on credit without a down payment. Let's compare the conditions and interest rates of VTB Bank loans for used cars.

ExtraLight

Special offer for the purchase of used cars from dealers. Down payment - from 20% of the cost of the car.

freedom of choice

Loan for the purchase of a used car from an individual. No down payment.

AutoProbeg

Loan for the purchase of used cars purchased from a dealer. No down payment.

Secured cars on credit

Special credit terms for cars pledged to the bank. Down payment - from 20% of the cost of the car.

Special offers from automakers

There are quite a lot of special offers for car loans at VTB today. On the official VTB website you can.

See also: Review of car loan conditions at Sberbank -

Who can get a car loan from VTB 24 Bank

The bank imposes the following requirements on the client:

• - citizenship of the Russian Federation;
• - age - from 21 to 70 years at the time of loan repayment;
• - permanent registration and the address of actual residence in any region where the bank is present;
• - total work experience - at least 1 year, at the last place of work - at least 3 months;
• - average monthly income - at least 30 thousand rubles. (for Moscow and the Moscow region) and 20 thousand rubles. (for other regions of the Russian Federation);
• - presence of at least 2 contact numbers(stationary/additional).

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Documents for a car loan at VTB Bank

To apply for a loan, you must provide the following package of documents to the bank.

Required:

1. passport of a citizen of the Russian Federation;

2. original of one of the documents confirming income for the last 6 months:

• -- certificate 2-NDFL;
• -- certificate in the form of the bank;
• -- personal bank account statement.

3. a copy of the work record book, certified by the employer (all completed pages), is provided for a loan amount exceeding 1.5 million rubles (or the equivalent in the loan currency) and down payment less than 50% of the cost of the purchased car.

Optional (copies provided):

Education documents;

Documents confirming the ownership of expensive property.

You can apply for a loan using 2 documents. You will only need:

1. passport of a citizen of the Russian Federation;

2. copy of any document from the list:

• -- international passport;
• -- driver's license;
• -- military ID (officer's identification card);
• - service ID (Ministry of Internal Affairs, FSB, Customs and so on.).

How to get a car loan from VTB Bank

Applying for a car loan is not very different from taking out a regular loan. The main thing is to collect documents confirming financial condition. But there are some nuances.

1. Apply for a car loan. You can do this in several ways:

• - on the bank’s website;
• - at the VTB partner car showroom;
• - at the Auto Loan Center.

The bank makes a decision from 30 minutes to 2 days. You can use an approved loan to purchase a car within 95 calendar days from the date the application form is received by the bank.

2. Choose the right car.

3. Complete your purchase.

You can apply for a loan at a car dealership without waiting for a decision on an already approved application.

Applying for a loan at the VTB Car Loan Center

You can also get advice, choose a loan program that suits you and submit an application at the Car Loan Center. To conclude a loan agreement with VTB you will need:

• - copy of PTS;
• - a copy of the car purchase and sale agreement;
• - a copy of the invoice for the car payment.

After the bank transfers the required amount to the car dealership, your purchase can be considered completed.

Features of VTB car loans in Moscow and St. Petersburg

Some conditions of VTB 24 car loans for residents of Moscow, Moscow region and St. Petersburg and Leningrad region differ from those presented in other regions of Russia.

In particular, in the capitals it may be difficult to obtain a car loan from VTB Bank 24 for the purchase of used LADA and UAZ. In addition, the borrower’s average monthly income for Moscow and the Moscow region must be at least 30 thousand rubles, and for other regions of the Russian Federation - only 20 thousand rubles. There are a number of other features.

It is better to learn more about the conditions for obtaining a car loan in Moscow and St. Petersburg at the VTB 24 bank branch.