Loan calculator uralsib car loan. Car loan at Uralsib bank

A car loan is one of the ways to purchase a car with insufficient own funds. Car loans are issued by banks and car dealerships, which are representatives of car manufacturers.

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One of the most popular banking services among consumers is Uralsib. , what requirements are imposed on borrowers, what package of documents must be provided for consideration of the application and execution of documents, read on.

Briefly about the bank

Uralsib Bank was founded in 1993 in Bashkiria. After the reorganization and merger with five regional banks, carried out in 2002, the organization became one of the largest federal banks.

Currently, the main office of the credit institution is located in Moscow. Bank representative offices operate in more than 45 regions of the Russian Federation. In addition, more than 270 autonomous points of sale and more than 2,000 ATMs and terminals are successfully operating.

In 2019, the bank entered:

in the TOP 30 largest banks operating in the Russian Federation;
in the TOP 10 banks for issuing car loans;
in the TOP 10 banks for work with small businesses.

The main activities of the bank:

lending to the population and organizations of different levels and forms of ownership;

The bank issues ordinary consumer loans, targeted loans for the purchase Vehicle and real estate, student loans and so on. Legal entities can use leasing programs.

work with settlement accounts of clients;
work with deposits individuals;
carrying out operations with precious metals;
investment activities;
provision of bank cells and safes.

The bank's clients at the beginning of 2019 are:

more than 5 million individuals;
over 100,000 organizations.

Programs and conditions in Uralsib for a car loan

To use the calculator, you will need to enter the following data in the appropriate fields:

what kind of car will be purchased (new or used);
the cost of the selected car;
down payment paid at the expense of the borrower's own funds;
participation in the program of preferential car loans;
expected loan term.

For example, a borrower purchases a new car worth 800,000 rubles. The first installment will be paid at a rate of 20%. Loan term - 36 months.

When using a standard car loan program, you get:

If the borrower uses the preferential state car loan program, then the following data will be obtained during the calculation:

For individuals, applying for a car loan online is not available. However, it is possible to fill out an application - a questionnaire, a sample of which is presented on the site.

The application must indicate:

personal information about the borrower (name, address of registration and residence, contacts, marital status, place of work, and so on);
information about the purchased car (make, model, power, VIN number, year of manufacture, and so on).

The application is submitted to the bank in person. A package of necessary documents is attached to the application.

Legal entities and individual entrepreneurs have the opportunity to apply for .

To do this, fill out a special form, which indicates:

the name of the organization - the borrower;
Name of the contact person;
estimated car loan amount;
mobile phone number for communication;
organization's email address;
region of registration of the company;
name of the locality;
the address of the borrowing company.

After reviewing the application, a bank employee will contact a representative of the organization to clarify the terms of the car loan and draw up documents.

How to pay

Payment for a car loan is made in accordance with the issued payment schedule, which indicates:

payment date;
monthly payment amount.

You can make payment:

at a bank branch, through an ATM or terminal belonging to the bank or online at registration personal account on the website of the credit institution. When choosing one of these methods, the transfer fee Money not charged to a credit account;
in branches, ATMs and terminals of third-party banks. The amount of the commission charged depends on the tariffs of the credit institution;
through branches of the Russian Post (the commission is calculated by an employee of the organization when making a money transfer);
through money transfer systems.

Loan programs

CAR LOAN "STANDARD"

Credit "Standard" bank "Uralsib" allows you to purchase a new or used car. Its terms:

Loan amount - from 80 thousand rubles. up to 3 million rubles
Repayment period - 1-5 years.
CASCO is mandatory (its cost may be included in the loan amount).
The purchased car becomes a pledge.
Registration of ownership of the car to close relatives is allowed.
There is no need for a guarantor.

The interest on a car loan is influenced by such factors as the availability of life insurance (SL) and the health of the borrower or its absence, as well as the size of the down payment and the repayment period.

CAR LOAN FOR A NEW LADA CAR

You can buy a car under this credit program only from an official dealer of the Lada brand.

CAR LOAN FOR A NEW FAW CAR FROM AN OFFICIAL DEALER

Lending conditions and requirements for borrowers are the same as for obtaining a Standard loan.

LOAN PROGRAM "AUTOPARTNER"

Within the framework of this program, you can buy both a new and a used car, but only in partner car dealerships of Uralsib Bank. Program conditions:

Loan amount - from 100 thousand rubles. up to 3 million rubles
The remaining conditions are similar to the conditions of other car loans issued by Uralsib Bank.

LOAN WITH STATE SUPPORT

A car loan under the state program applies to loan products"Standard" and "Credit for a new Lada". Its terms:

The loan is issued only for new cars, the price of which does not exceed 1,450,000 rubles.
Repayment term - no more than 36 months.

Requirements

the passport;
registration for 6 months. in the region in which there is a representative office of the bank providing the car loan;
the borrower must be at least 21 years old (and not older than 65 years old by the time the loan is repaid);
the borrower must work at the current place of work for at least 3 months.

In the case of purchasing a new car, whose price does not exceed 1 million rubles, it is enough to present a passport of a citizen of the Russian Federation and a driver's license. Users will need the same documents salary cards bank planning to buy a used car. The rest need to have with them a certificate of income 2-NDFL along with a photocopy of the work book certified by the employer. Instead of a driver's license, borrowers have the right to present SNILS, a passport or a military ID.

URALSIB Bank, with which the MAS Motors salon cooperates, has several lending programs through which individuals can purchase a new / used foreign-made car, or a new domestic car.

Loan "Standard"

The loan can be used to buy a new or used car.

Terms:

The loan amount is from 80,000 to 3,000,000 rubles.
You must immediately pay from 20% of the price of the car.
Loan terms from 1 to 5 years.
A prerequisite for issuing a loan is the registration of CASCO (it is also possible on credit).
The purchased car acts as collateral for the loan.
Ownership of a car can be issued to a close relative of the borrower.
A guarantor is not needed.

Tariffs:

The interest rate depends on the borrower's life and health insurance or refusal, as well as the amount of the first installment and the period of use of the loan.

If insurance is issued, and the loan term is from 1 year to 5 years:

Contribution from 20 to 30% - 16.7%

Contribution from 30 to 40% - 15.7%

Contribution from 40 and above - 14.7%

If insurance is not issued:

From 20% to 30% and from 3 to 5 years - 19.25%

From 30% and from 1 to 3 years - 18.5%

Requirements:

Passport of a citizen of the Russian Federation.
Registration from 6 months in the region where the office of the bank issuing the loan operates.
Age from 21 to 65 years (the maximum age is considered at the end of the loan agreement).
At the last place of work you need to work for at least 3 months.

When buying a new car worth up to 1 million rubles, you will need to provide a passport and a driver's license. Similar documents will be required for bank payroll card holders who wish to purchase a used car. Everyone else will have to bring a certificate of income 2-NDFL and a copy of the labor certified by the employer. If you do not have a driver's license, you can provide a passport, military ID, SNILS or an officer's certificate.

Loan for a new car brand "Lada" (LADA)

You can buy a car under this loan program only from official dealers of JSC AVTOVAZ.

Conditions and requirements for the borrower

Tariffs:

If life and health insurance is issued:

Installment from 20% to 40% and loan term from 1 to 5 years - 15.7%

From 40% and from 1 to 3 years - 14.7%

From 40% and from 3 to 5 years - 15.17%

In case of cancellation of the borrower's insurance:

Installment from 20% and loan term from 1 to 3 years - 17.25%

From 20% to 40% and from 3 to 5 years - 18.5%

From 40% and from 3 to 5 years - 18.0%

Credit for a new FAW brand car purchased from official dealers

Terms and Conditions: similar to the "Standard" car loan

Tariffs:

If the borrower's life and health insurance is issued:

Installment from 20% to 40% and loan term from 1 to 3 years - 14.9%

From 40% and from 1 to 3 years - 13.9%

From 20 to 40% and from 3 to 5 years - 15.5%

From 40% and from 3 to 5 years - 14.5%

If issued GAP insurance(“Vehicle Value Savings Guarantee”

Installment from 20% to 40% and loan term from 1 to 3 years - 14.5%

From 40% and from 1 to 3 years - 13.5%

From 20 to 40% and from 3 to 5 years - 14.9%

From 40% and from 3 to 5 years - 13.9%

If you cancel both types of insurance:

Installment from 20% to 40% and loan term from 1 to 3 years - 17.5%

From 40% and from 1 to 3 years - 17.0%

From 20 to 40% and from 3 to 5 years - 18.0%

From 40% and from 3 to 5 years - 17.5%

Loan under the program "Autopartner"

It applies to new and used cars purchased in the bank's partner salons.

The loan amount is from 100,000 to 3,000,000 rubles.
Otherwise, the conditions and requirements are the same as those for the above car loans.
Down payment from 20%, interest rate from 10.9%

Car loan under the state program

As part of car loans, "Standard", as well as "Credit for a new Lada" can be purchased under the state program.

Only new cars, the cost of which does not exceed 1.45 million rubles.
The term of the loan is not more than 36 months.
The first installment - from 20% of the cost of the car.
Interest rate - from 8% (the state assumes 2/3 of the key rate).

URALSIB is a bank actively developing its own car purchase programs. Let's figure out how to become the owner of a car in the shortest possible time, what is the loan amount and who can apply.

Car loan "Standard"

A car loan at URALSIB Bank can be obtained in accordance with one of the following options:

Loan for the purchase of a car of foreign assembly (new or used) or assembled in Russia (without mileage) in the amount from 80 thousand rubles to 3 million rubles from 8% per year. When making a transaction, the buyer is obliged to pay at least 20% from his own funds.A loan for a Russian or foreign car in URALSIB is issued for up to 5 years.

On a note. The borrower has the right to register the purchased car not in his own name, but in the name of one of his next of kin.

Until the loan is repaid, the subject of the agreement remains pledged to the lender. No guarantee or additional security is required.

The following documents are submitted to the bank:

Passport and photocopy of all sheets.
Driver's license and its photocopy. If the rights have not yet been obtained, they can be replaced with a military ID, SNILS, etc.
When buying a used car, a 2-personal income tax certificate is required. If a new car is purchased, a certificate in the form of 2-NDFL or in the form of a credit institution is filled out if the requested amount exceeds 1 million rubles.

The lender - URALSIB Bank - has the right to request additional documents confirming the identity and solvency of the client.

Lada on credit

A car can be purchased at one of the car dealerships at 8% per annum. Borrower can get from 80 thousand rubles to 3 million rubles. When making a contract, the buyer pays at least 20% of the cost of the car from his own funds. Until the moment of full repayment, an encumbrance is imposed on the car. No additional guarantee or deposit is required.

When making a deal, the credit manager receives:

Passport of a citizen of Russia.
Driver's license. You can replace it with a passport, pension certificate, military ID or other documents.

If the required amount exceeds 1 million rubles, a certificate is provided confirming the receipt of a stable income (salary, etc.) in the form of a bank or 2-NDFL. The loan term is up to 5 years.

When applying for a car loan at URALSIB Bank, remember that at the time of application, your age must be at least 21 years old, and your maximum age at the end of the loan term is 65 years.

FAW on credit

The buyer can choose any car of this brand in an authorized showroom and take advantage of the terms of the federal lending program:

When paying an initial payment of 20% of the cost, the interest rate is in the range of 3.9-12.4% per annum.
When making a lump sum of 40% of the cost of a car, the % rate is in the range of 0-10.6%, depending on the loan term.
When paying an initial installment of 60% or more, according to the URALSIBA car loan calculator, the interest rate will not exceed 8.9% per annum.

The official website provides the ability to calculate the monthly payment, if you plan to get a car loan from Uralsib Bank, the calculator contains all the necessary data and provides information on all programs.To confirm the identity of the borrower, the credit department is provided with originals and copies of the passport and a second document: military ID, driver's license or certificate of pension insurance.Confirmation of solvency is required if the loan is more than 1.5 million rubles.

AUTOPARTNER program

In Uralsib, a car loan can be requested for the purchase of cars (new or used) in authorized centers with a simplified registration option.The minimum amount is 100 thousand rubles, the maximum is 3 million rubles. The program has several tariffs:

Buying a vehicle without mileage

When paying a down payment in the amount of 20-30% of the cost of a car and purchasing a life insurance policy, the borrower pays an interest rate of 12.9% per year. If the borrower refuses to pay insurance policy, the interest rate will rise to 15.9%.
By making a lump sum of 30 to 40% of the purchase price, the borrower receives a loan at 11.9% per annum, provided that he has insured his life and health for the loan period. If the insurance policy is not purchased, the interest rate will be 14.9% per annum.
If, upon signing the contract, the buyer pays at a time more than 40% of the cost of the car and purchases a life and health insurance policy, the interest rate will be from 10.9% per annum. If you cancel the policy, the loan rate will increase to 13.9% per annum. О The optimal car loan option for you at URALSIB Bank can be calculated using the calculator on the bank's website.

Buying a used car

When paying 20% of the cost of the car and the purchase of an insurance policy, the borrower receives an interest rate of 15.9% per annum. Refusal of insurance will lead to an increase in the cost of a loan by 3% per year (at 18.9% per annum).
A one-time payment of 30 to 40% of the cost of the car and the purchase of an insurance policy allow you to count on an interest rate of 14.9% per annum. If the borrower does not purchase an insurance policy, the interest rate increases to 17.9%.
If more than 40% of the cost of the car is paid at a time when lending in URALSIB, the borrower receives a loan at 13.9% per annum, subject to payment of the insurance policy. Cancellation of insurance will lead to an increase interest rate up to 16.9%.

This type of lending assumes that the applicant for borrowed funds needs to present only documents confirming his identity: a passport of a Russian citizen and a second document of his choice.

In Uralsib Bank, car loan services are provided subject to the following mandatory conditions:

The buyer of a car insures it in favor of the creditor against possible loss in any way and all types of damage: accidents, natural disasters, etc.
The insured is one of the companies cooperating with the credit institution. The beneficiary is a bank.
The buyer may not pay for the insurance for the first year in cash, but include it in total amount loan.

Important: the original PTS remains with the lender until the loan agreement is recognized as fulfilled by the parties.

Requirements for borrowers

A car loan in the URALSIB bank in question is available to residents of the country subject to the following conditions:

Age not less than 21 at the time of application and not older than 65 on the day of full repayment according to the schedule.
At least 3 months of work in one place according to the work book on the date of application.
Citizenship of the Russian Federation, residence for at least 6 months in any region where branches or subdivisions of Uralsib are located.

An employee of the department has the right to request other documents, including to verify the solvency of the client in the presence of reasonable doubts.

The procedure for obtaining a car loan

You can become the owner of a car through URALSIBA by following these steps:

Initial consultation with a credit manager, application, obtaining approval for a car loan in URALSIB.
Selection of a car in a showroom or another accredited company, receipt of an invoice for payment, a copy of the title deed confirming the ownership of the movable property being sold.
The required package of documents is submitted to the bank.
Payment of down payment, insurance premium.
Signing a loan agreement in the credit department and issue a pledge.
Receiving the selected car in the salon, registration with the traffic police.

After that, a loan for the purchase of vehicles in URALSIB is considered issued. The car can be used.

ABOUT operating conditions loans can be found on the website