Car loan at Raiffeisen Bank calculator. What are the conditions for a car loan at Raiffeisenbank? State subsidy program

Unlike other banks, Raiffeisenbank offers consumer loans, with the help of which you can purchase the car you like for cash, both in the showroom and second-hand. As such, this bank does not offer car loans, but there are many ways to get cash without additional conditions.

On the one hand, there are some disadvantages to this approach: dealers do not offer special discounts and promotions. However, if you look at the issue more carefully, there are many more advantages:

• it is not necessary to insure the car under CASCO;
• when buying a car for cash, you can always get a good discount at a dealership or from a private seller;
• there is an opportunity to buy a car in another city or even country;
• The loan amount can include the necessary expenses for insurance, purchase of winter tires, etc.

Let's consider what kind of loans can be obtained from Raiffeisenbank with further investment in the purchase of a car.

Personal loan

Raiffeisenbank, whose car loan can be obtained on affordable terms, offers a low interest rate and a fairly long loan period under a personal program. For registration such a proposal no deposit or commission required. The preliminary application is reviewed and a response is received online within 1 hour.

After preliminary confirmation, all that remains is to collect required package documents and contact the nearest branch in Nizhny Novgorod, Yekaterinburg, St. Petersburg, Ufa, Samara or any other city in the Russian Federation.

The loan is provided in rubles for a period of one to five years. The minimum amount for lending from Raiffeisenbank is 90,000 rubles, and the maximum is 2 million. Interest rate directly depends on the amount and timing. Minimum annual interest– 11.99%, maximum – 13.99%.

Please note that in case of delay, 0.1% of the overdue debt is charged for each day.

Citizens of Russia over twenty-three years of age, but under 67 years of age (at the time of expiration of the agreement) are eligible to receive a loan. A permanent place of work and provision of a stationary work number for the security service are also required. This program does not provide for the provision Money individual entrepreneurs, businessmen and lawyers.

In order to submit an application to Raiffeisenbank for this loan, you must submit:

• passport;
• questionnaire;
• certificate of income (can be either 2-NDFL or in bank form);
• a copy of the completed employment form.

If the loan amount does not exceed 500 thousand rubles, then employment history need not. Also, if you indicate in the application form that you have additional income, you will need documents confirming their availability and stability.

For salaried employees and partner companies

Citizens who work at partner enterprises of Raiffeisenbank have a unique opportunity to receive a consumer loan for the purchase of any car on preferential terms.

The main difference for such clients is the fixed interest rate of 11.99%.

The loan is provided in rubles from one to five years. The minimum amount for lending from Raiffeisenbank is 90,000 rubles, and the maximum is 2 million. It is possible to defer the first payment on a loan from Raiffeisenbank for two months.

Taking out a loan is very simple: you can get online advice from a specialist, apply preliminary application on the website, and after receiving approval, you must submit a package of documents to the selected office. It is also possible to call a loan specialist to your home or office. This allows you to save time and effort when visiting a Raiffeisenbank branch.

There is also a huge advantage - a preliminary decision is announced within 1 hour.

This program does not provide any hidden fees on the loan, however, for late payments you will have to pay a fine of 0.1% of the amount for each day.

This program can be used by citizens eligible General requirements lending from Raiffeisenbank (age from 23 to 67 at the time of loan expiration, citizen of the Russian Federation with a mobile and landline work number), who are also employees of the bank’s partner companies.

Salary clients of partner firms only need to submit an application form and a passport. Those employees who do not receive wages to an account at Raiffeisenbank, you will also have to provide:

• a certificate of income (can be either 2-NDFL or in the form of a bank) or a declaration for the last year;
• a copy of the completed employment form.

If the loan amount does not exceed 500 thousand rubles, then a work book is not needed. Also, if you indicate in the application form that you have additional income, you will need documents confirming their availability and stability.

For Premium clients

Premium clients of Raiffeisenbank have the opportunity to receive a consumer loan of up to 2 million rubles for any purpose without fees or collateral. Guaranteed fixed interest rate of 11.99%. The minimum loan amount in this program is too high - 250 thousand rubles.

The requirements are the same as for standard lending: citizens of the Russian Federation from 23 to 67 years old with work and mobile phone. Salary premium clients have the opportunity not to submit income certificates to the bank.

A distinctive feature is quick decision making, as well as the allocation of a separate manager for the entire duration of the loan.

Advantages of lending from Raiffeisenbank

Let's consider why Raiffeisenbank's offers in Rostov-on-Don, Nizhny Novgorod, Yekaterinburg, St. Petersburg, Ufa, Samara or any other city in the Russian Federation are extremely profitable.

• Low interest rate. Raiffeisenbank offers good conditions lending, as well as a quick response to the application. Unlike standard car loans, there is no need to wait several days for a decision.
• An undeniable advantage is that keeping track of your payments, completely controlling all accounts, and also making loan payments can be done very easily thanks to the convenient and free Internet banking or using mobile application. Raiffeisenbank is one of those banks that are constantly improving their online versions and are actively working to minimize the reasons for visiting the bank.
• When you apply for any car loan at this bank, you receive a free debit card. payment card MasterCard Standard system, the opportunity to repay the loan early from the first day of issue, the opportunity to defer your first payment for two months, and also become a participant in the Financial Protection program.

This program allows you to protect clients and their relatives from non-payments loan agreement. That is, if you lose your job or become disabled for some reason, the bank will pay an insurance benefit.

In addition, you have the opportunity to repay the loan without visiting a bank branch and without long queues. Raiffeisenbank suggests doing monthly payments in one of the ways convenient for you:

On this page, the portal user can get acquainted with car loans that can be obtained from Raiffeisenbank. In the list of offers, the site visitor has access to brief information on each product: maximum term and amount, interest rate, minimum down payment. Inside the card of each program you can see detailed current conditions obtaining a loan. Including the requirements of the financial institution for potential borrower: age, work experience, place of permanent registration, as well as a list of documents provided. In order to understand whether you have the opportunity to take out a car loan at this rate, you need to carefully read the above parameters. If there is a “Leave a request” button next to the program description, the user can save his time by using this service. When a client submits an application online, the bank communicates a preliminary decision by telephone.

Not everyone who plans to purchase a car at a MAS Motors showroom has all the required amount at once. But this is not a problem if you use the services of one of the salon’s partner banks. More than 30 different banks offer loans. One of them is Raiffeisenbank.

This credit institution began its activities in Russia in 1996, although the Raiffeisen group (which includes many banks throughout Eastern Europe) has existed since 1927. In 2015 he was recognized as the best foreign bank in Russia.

Credit products

Raiffeisenbank is one of those credit institutions, which focus on universal loans to private clients. Any potential client can take the required amount and collateral from the bank vehicle not required. True, this approach increases the bank’s risks and therefore maximum amounts loans have been reduced.

1. Personal loan
2. For salary clients
3. For Premium customers

Their main parameters are as follows:

The loan amount depends on the client’s capabilities. No guarantee or collateral is required for loans.

The application review period ranges from 1 hour to 1 day.

You can count on a reduced interest rate on the loan when ordering insurance services for the recipient, otherwise the rate increases to the maximum.

Requirements

Loans are issued only to citizens of the Russian Federation with permanent residence in any region.

Age – from 23 to 67 (the maximum indicator is considered at the time of repayment).

Confirmed income (considered minus all taxes using a 2-NDFL certificate, although it is possible to provide a 3-NDFL or a bank certificate) must be at least 25 thousand rubles. for residents of Moscow and Moscow Region, as well as Leningrad region(including St. Petersburg), and at least 15 thousand rubles. for residents of other regions.

The duration of work in the last place should not be less than six months (requirements are reduced only for salaried clients - from 3 months).

Documentation

In most cases, to submit an application you will need a standard package of documents:

1. Passport,
2. A copy of the work book,
3. Certificate of income (this may be form 2-NDFL, in some cases 3-NDFL or bank form).

For salary clients of Raiffeisenbank, only having a passport will be enough.

The current situation in the automotive market for foreign and domestic cars often forces buyers to make purchases at bank funds. Even used cars cost big money, which not every Russian can single out at a time. Knowing the state of affairs, banks do not miss the chance and offer car loan programs. A popular solution today is to take out a car loan from Raiffeisenbank, however, not in the classical sense of this concept. The fact is that Raiffeisenbank does not offer a car loan as a separate product line, but it provides a consumer lending program, which, according to the bank itself, is much more profitable than a standard car loan.

Consumer loan to buy a car: advantages

Raiffeisenbank offers a “car loan” without a down payment, which already distinguishes the product from most car loan programs. In addition, a consumer loan allows you to refuse CASCO insurance. Some banks also do not oblige clients to take out insurance, however, in such cases, this fact affects the growth of the interest rate, which cannot be said about consumer credit Raiffeisenbank. An absolute advantage is the absence of any requirements for the object of purchase: the car can be new or used, of any year of manufacture, with any number of owners before sale, as well as of any make and model. Because unlike a car loan, the car will not be the subject of collateral. Another advantage is that the title will be in the hands of the buyer.

Regarding specific banking product, its advantage is the rapid consideration of the application on the day of its submission, receiving free debit card, no commission for issuing a loan.

Raiffeisenbank: car loan - conditions

Interest rates for a car loan at Raiffeisenbank start at 10.99%. But minimum bid counts only from the second year of lending and only if the borrower has activated the program financial protection. In the first year, the minimum rate will be 11.99%, but not all borrowers can count on it. Its size is influenced by many factors, including the period and amount of the loan. The bank will also consider your credit history, the level of your income, the method of confirming it, the fact of belonging to salary project bank and other indicators of client reliability.
The terms of the loan product are as follows:

• period – from 360 days to 5 years;
• bank limit – 2 million rubles;
• minimum amount issuance – 90 thousand rubles;
• currency - rubles;
• maximum bet – 18,99%;
• early repayment- provided. The debtor has the right to repay the debt from the first day of the contract;
• deferment of the first payment is possible for 2 months.

Disadvantages of the loan program

It is worth paying attention to the fact that loan rates are quite high, especially their maximum values, and also that from the first day of late payment, the bank charges a penalty of 0.1% of the debt. Also in the absence complete package documents, the lender is ready to issue only 1 million rubles. Therefore count on profitable terms only those borrowers who have proven themselves to be reliable clients with an official source of income of average and high level, as well as with an unblemished credit history.

In order not to feel an unbearable financial burden and avoid fines in the future, it is very important to use a calculator and calculate a Raiffeisenbank car loan. The calculation will provide data on the size of the monthly payment in the first and subsequent years, and will also allow you to estimate own strength to repay the loan.

Raiffeisenbank: car loan refinancing

Like a car loan, refinancing car loans at a bank is not targeted. Borrowers who are dissatisfied with the terms of current loans, including those taken out to purchase a car, can receive funds to repay them and begin paying off the debt on new, more favorable terms.

Car loan refinancing for individuals at Raiffeisenbank occurs under the same conditions as customer credit: maximum term is 5 years, amount is 2 million rubles, and the standard minimum rate is 11.99%. At the same time, clients can combine up to 5 credit products, registered in different organizations. The main requirement is the absence of delays.

Car loan calculator

Calculate a car loan according to the terms of Raiffeisen Bank using online calculator to understand whether it’s worth getting a car loan: