If you want to buy a car in the MAS Motors showroom, you can attract borrowed funds from one of more than thirty partner banks, including Sberbank.

Sberbank is one of the largest and oldest banks in Russia. It was formed back in 1841 (more than a century and a half ago) and currently has client base over 110 million people (only in Russia).

Loan products

A distinctive feature of Sberbank loans is their versatility. You do not have to prescribe the purchased car as a security (pledge) in the contract. You will simply be transferred the required amount, which you can dispose of at your discretion.

Funds can be obtained through one of the lending programs indicated below:

• Unsecured loan
• Under surety individuals
• secured by real estate
• Refinancing

Depending on the age, income of the client and other nuances, the parameters of loans can have the following values:

Advantages loan products Sberbank can be designated as follows:

1. You can receive money directly at the place of residence or in any other branch of the bank (that is, in almost any locality regardless of the place of registration);
2. No initial deposit required;
3. If you do not have enough to buy a certain amount, the amount of borrowed funds can be precisely adjusted to the missing (provided that your earnings allow it);
4. No car deposit required;
5. Vehicle insurance is not required (if desired, the amount of CASCO or similar insurance can be included in the loan amount, and the insurance contract can be concluded with a third-party company later without any recommendations or obligations to Sberbank).

With the help of refinancing, for example, you can remove the encumbrance from a car purchased from another bank (that is, completely redeem it), reduce the payment, and even receive an additional amount for your own needs.

Not only apartments or private houses in possession, but also car garages, summer cottages, land plots can be considered as real estate.

Third party guarantee increases the potential loan amount (because the bank risks less).

The interest rate depends on the term of the loan, the amount of the loan, as well as the category of clients (salary card holders and corporate clients are offered more favorable conditions).

The term for consideration of the application depends on the amount of the loan and its type. So, for a loan without collateral, the decision may take only a few hours, and for a loan with real estate collateral, the process can take up to 8 days. However, customers connected to the SberbankOnline service can apply through Personal Area or take advantage of a personal offer (the bank periodically sends pre-approved offers calculated on the basis of monthly income to the salary account).

Requirements

Loans are issued to all citizens of the Russian Federation who have reached the age of 21, residing in any locality. For employees with temporary registration, the loan period may be limited by the period of registration. In some cases, a loan can be issued to persons aged 18 to 20, subject to the obligatory guarantee of another solvent client (for example, one of the parents).

The maximum age of the recipient is 65 years (calculated at the time of loan repayment). For working pensioners and those who can document their income, the bar can be raised to 75 years.

At the last place of work, the borrower must work for at least 6 months, and for the last 5 years, the length of service cannot be less than 1 year.

Reduced requirements are imposed on users of payroll projects (for example, confirmation of work experience is not required, at least 3 salary receipts are sufficient).

The documents

As with any other bank, to get a loan you need:

1. Passport of a citizen of the Russian Federation,
2. Income proof documents
3. Copy of work book.

Customers who are holders of payroll cards can only take their passport with them to apply.

Guarantors provide the same set of documents as the recipient.

Mikhail Adamov

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Sberbank is not only the largest financial institution in Russia, but also the most reliable. Many borrowers seek to take out a loan to fulfill their dreams here. A sufficient stock of assets allows the bank to make interesting offers to its customers, providing favorable conditions and acceptable interest rates on loans. The car loan is no exception.

Features of car loans in Sberbank

Now only consumer credit is available to customers at 13.9-14.9% per annum.

The change in the rate of car loans is due to the fact that Sberbank transferred this group of loan products to its subsidiary, Cetelem Bank, whose branches are represented in 80 cities of the country.

Conditions for granting a loan for the purchase of a car

To obtain a car loan, the borrower must meet certain conditions, which include:

1. Loan term: from 1 to 5 years.
2. Machine age. Used or new domestically produced cars not older than 5 years are subject to registration, imported cars are not older than 10 years.
3. Credit amount. It cannot exceed 5 million rubles and is issued in rubles.
4. The minimum down payment is 20%.
5. Necessarily .

Availability salary card Setelem Bank or Sberbank allows you to get the minimum rate.

Sberbank car loan calculator: how to calculate the cost of a car purchased on credit

An online calculator posted on the bank's website will help the borrower in calculating the monthly loan expenses. After all, it will take a long time to repay the debt with your own funds or from family budget. You may need to consider buying a used car instead of a new one, or choose a different brand of car.

Calculations will also help to assess the probability of a positive loan decision, depending on the income of the borrower. They are performed immediately after filling in all the necessary information in a special form. Entering the amount to be paid and interest rate, you can see the amount of monthly installments on the monitor.

For example:

1. Interest rate for the purchase of a new car - 21.5% per annum.
2. Loan amount - 750,000 rubles.
3. Contract time - 5 years.
4. Monthly payment will be - 20,676 rubles.
5. Overpayment (including commission) - 490,608 rubles.

It is clear that these are very approximate calculations, because there are many more additional parameters:

1. Machine brand.
2. Year of manufacture and mileage of the car.
3. Car cost.
4. Down payment, etc.

More accurate figures can be obtained from the bank manager, who will take into account all the above nuances.

Choosing a car loan from Sberbank

After making all the required calculations and making a decision about their solvency, the borrower can proceed to get acquainted with car loan programs.

The bank offers 4 types of loans and more than 10 partnership programs.

Classic

According to the conditions, the client can purchase a car to his taste and color, the main thing is that he has enough funds received:

• interest rate - up to 19-22.6% per annum.

Subsidized classic

This type of loan is issued for cars manufactured or assembled in the Russian Federation:

• rate - 11.7-13.8%;
• the minimum deposit is 25%.

Part of the funds is paid by the state.

Express

To apply for a loan, only 2 documents are enough - a passport and, for example, a driver's license. You can submit any other document proving the identity of the borrower. Consideration of an application for a loan is carried out within 1 day:

• loan amount - no more than 1.5 million rubles;
• for domestic cars - up to 650 thousand rubles;
• interest rate - 19.5-22.8%;
• the minimum deposit is 30%.

Subsidized Express

The loan is issued for cars produced or assembled in our country. Part of the funds is paid by the state:

• the term of the car loan agreement is 2-3 years;
• the minimum contribution is 30%;
• interest rate - 11.7-13.8%;
• no more than 650 thousand rubles are allocated for the purchase of a domestic car.

affiliate program

The program is valid when buying a car in a car dealership included in the bank list. Moreover, such partnerships involve some benefit for the client. The salon provides a discount on the car, and the bank concludes a loan agreement with the borrower:

• the term of the contract is 2-5 years;
• minimum down payment - 20-25%;
• interest rate - up to 16-22.8% per annum.

What will happen next year, whether the annual interest on a loan at Sberbank for different types of cars will change, can be found in the table.

Sberbank interest rates on car loans in 2018 in the table

The size of the rate is affected by the amount requested, the down payment, the age of the car, new or used, the loan period.

Early repayment of a car loan from Sberbank

If the borrower has the opportunity to prematurely return the loan balance, then he has the right to do this without any penalties.

Sberbank curtailed its car loan programs at the beginning of 2015. Loans for the purchase of cars, which were previously offered by this financial institution, were transferred to one of the subsidiaries of Sberbank, Cetelem Bank.

Currently, "Cetelem" presents several tariff plans for car loans, including "Partnership", "Ford Credit", "Standard", "Reliable", "Special" and others. Interest rates on loans of this type vary from 12.6% to 17.5% depending on the car model.

Terms of car loans

Get a non-targeted consumer loan and buy a car with this money!

For those citizens who have decided to take a car loan from Sberbank, it is best to use one of the offers for consumer loans. This year, the company offers individuals two types of consumer loans:

A consumer loan for any purpose without collateral is presented on the following terms:

• interest rate - from 11.9 to 19.9%;
• loan amount - up to 3 million rubles;
• crediting period - from 3 to 60 months.

A loan for individuals under a guarantee is characterized by the following parameters:

• annual percentage of overpayment - from 12.9%;
• maximum loan amount - 5 million rubles;
• term of granting – up to 5 years (inclusive).

When applying for a secured loan, the guarantor can be a citizen of the Russian Federation, aged 21 to 75 years (at the time of payment of the last installment), who has a permanent job, a stable income and a positive credit history.

Interest rate on a new car

Auto loan for a new vehicle at Sberbank is no longer available. However, the consumer can use one of the regular consumer lending programs.

The interest rate on this type of loan depends on whether the borrower is a payroll client of the bank or not.

• If the user receives wages or a pension on a Sberbank card, then special conditions apply for it, according to which the loan rate will be from 12.9% to 19.9%.
• For all other clients, the overpayment percentage in the amount of 13.9% to 19.9% ​​will be relevant.

Used car rate

Taking advantage consumer credit from Sberbank, a citizen can easily use it to buy both a new and a used car. A sufficiently large amount of a user loan for any purpose (up to 5 million rubles) will allow the client to buy a used car of almost any model, both domestic and imported. At the same time, the annual rate on the loan will be one of the most acceptable compared to car loan offers from other financial institutions - from 12.9% to 19.9%.

Will they give you no down payment?

It is currently impossible to take a used car on credit without a down payment at Sberbank of Russia, since the organization has not been providing car loan services since 2015. As for a consumer loan for various needs, you can take it without a down payment and with a minimum of official papers.

Can you apply without rights?

It is possible to issue a user loan for any purpose in the amount of up to 5 million rubles at Sberbank according to several documents (their full list is given below). The driver's license is not included in the list of these documentary acts.

Required documents for a Sberbank car loan

As we have already found out, in order to buy a car with borrowed funds, it is not necessary to take out a car loan. It is enough to issue a regular user loan in the amount of up to 5 million in Sberbank of Russia.

A car, as you know, is not a luxury, but a necessary means of transportation. However, in our country, not everyone can afford to buy a new car for cash. So the Russians have to look for alternative ways to purchase transport.

One of these available ways is buying a car through a car loan program. Such a service, in particular, is provided by the largest bank in the country - Sberbank. About how an individual, including a pensioner, can apply for a car loan from this bank for favorable conditions and at an acceptable interest rate and we'll talk in this article.

Sberbank issues car loans to individuals under what conditions?

Before an individual can apply for a car loan in Sberbank, you should carefully read the conditions that this financial structure offers its customers.

This year, the bank offers its customers loans at a fairly favorable interest rate of only 10.9%. In addition, the client has the opportunity to use the services of partner programs, which are developed jointly with vehicle manufacturers.

At the same time, the deadline for lending is five years, and the amount that is available for borrowing should not exceed 85% of the price of the vehicle. This means that the remaining 15 percent must be paid by the user himself.

Conditions and interest rates for a car loan at Sberbank

car loan Sberbank issued to individuals under the following conditions:

• loan term – from 1 to 5 years
• loan currency - rubles, dollars or euros
• initial payment of the client - at least 15%
• interest rate - from 11.5% to 16%

In order to correctly and accurately calculate a loan for a vehicle to individuals (including pensioners) from Sberbank, on the official website of this financial organization a special online calculator which can be used free of charge at any time.

Using this tool is quite simple - you need to enter the following information in the fields proposed for filling out:

• car purchase price
• the amount of the down payment
• loan currency
• credit term
• annual interest rate
• type of loan
• payment start date

Thus, the interest on a car loan in Sberbank in 2018, an online calculator will help you calculate (accurately and quickly).

Car loan in Sberbank without down payment

Get a car loan with no down payment Sberbank will not work, since one of the requirements for the borrower is that at least 15 percent of the cost vehicle he paid himself.

However, an individual can apply on this issue to another bank in Russia.

For example, without a down payment, such large financial companies as:

• Raiffeisenbank (at 18.4 percent per annum)
• Rusfinancebank (at 15.5% per annum)
• Zapsibkombank (16.5%) and other organizations.

Refinancing a car loan at Sberbank - conditions for refinancing

Car loan refinancing Sberbank for individuals - this is a service for on-lending, which is provided on the following terms:

• available loan amount - up to 1,000,000 rubles
• loan term - from 3 months to 5 years
• refinancing currency - only domestic rubles
• interest rate - 17% per annum

For all clients of the company who have decided to use this service, the financial institution will provide it without providing a document on work experience and income statement.

Car loan for pensioners in Sberbank - conditions and interest rate

If the borrower is a pensioner, then for him the terms of lending are practically no different from providing a loan to ordinary citizens. The only limitation is the maximum age limit.

A pensioner who decides to borrow money from a financial institution to purchase a car must be no older than 65 years at the time of the conclusion of the contract.

All other conditions are standard for him:

• when concluding a contract, two documents must be provided - a passport and a pension certificate
• if the pensioner himself can pay a contribution in the amount of 30% of the cost of the car, then the bank will not require guarantors
• the lowest down payment — 15% of the vehicle price
• service period – maximum 5 years
• interest rate for pensioners – from only 13%

Also, for those clients who receive wages or pensions on a card or account of Sberbank of the Russian Federation, the interest rate under the classic car loan program is reduced by 1%. As you can see, under the Sberbank car loan program, the interest rate may vary.

"Auto loan with government subsidies"

As part of this offer, you will have to choose from a list of exclusively Russian-made cars, and you will be able to purchase only a new car. But do not be afraid, because many well-known and well-established car brands are assembled in Russia today, so there is no infringement of the rights of customers to choose - Audi, Volkswagen, Skoda, Seat, KIA, Hyundai, Opel, Chevrolet, VAZ, Mitsubishi at your service. As the name of the program implies, part of the loan is refinanced with special government payments, the client gets a low interest rate. Let's see what other conditions are, as well as what percentage in Sberbank for a car loan is offered under this program:

• Loan term - up to 1 year, from 1 year to 3 years;
• Interest rate on the loan - from 8 to 10% (depending on the term);
• Initial payment - from 15%;
• The maximum cost of the car is up to 750 thousand rubles.

"Affiliate car loan programs"

This program, as the name suggests, is designed for those potential borrowers who wish to purchase a car in a specific car dealership entered in a special list of the bank. Most often, a car dealership and a bank are connected by partnerships and work, as they say, with mutual benefit. As a result, the client is provided with a significant discount from the market price of the car, with the condition of buying a car in a particular salon and concluding a loan agreement with a specific financial institution.

The rest of the conditions are clear and understandable:

• Initial payment of at least 15%;
• Interest rate on the loan - from 10.5% to 15% (for some brands from 11.5% to 16%);
• Loan currency - rubles, dollars or euros;
• Loan term - up to 1 year, from 1 year and up to 3 years.

Car loan in Sberbank conditions and requirements

The bank imposes special requirements on each potential client-borrower, namely:

• Age of the borrower - from 21 to 75 years inclusive;
• Presentation of an official document confirming income;
• Registration of collateral and the presence of a guarantor, if the income does not allow you to get a car loan on your own;
• Total work experience - from 6 months at the last place of work and in total from 1 year for the last 5 years (from 3 months without other requirements for participants in the salary project, pensioners receiving deductions to the bank account).

In general, it can be noted that a car loan is an excellent, affordable and profitable way to purchase your own car. However, you can resort to it only if you have a strong confidence in your income, and also that you will be able to pay off the loan much faster than the period specified in the contract. In other cases, you run the risk of being left without the desired car and losing the money already paid, if you suddenly do not have enough funds for the monthly installment, or as a result, observing all the terms of the contract, by the time it expires, give the bank an amount that significantly exceeds the cost of your “iron horse” ".

As it must have become clear by now, Sberbank alone offers its customers three car loan programs to choose from. If, before concluding an agreement in the first bank you come across, you carefully study all the other offers, then it may happen that you will find the most optimal and profitable option for yourself. It is likely that you are already a client of some bank and have shown yourself extremely positively, or the brand of car you have chosen is on the list of those whose sales the government is trying to increase.