Where is the most profitable car loan in the year. Where to issue the most profitable car loan this year. Conditions of car loan in Russian banks

Car loans - one of the main retail products that can offer financial organizations in the target lending sector. Like a housing mortgage, as well as a consumer loan, car loans has a target purpose, in this case - the purchase of a car.

Today, each of the banks operating in our country asserts that it provides its customers with the most favorable conditions for the purchase of a car. Competition continues to grow in the car loan segment, forcing credit organizations to conduct a serious struggle for customers. There are many banking programs, and they are constantly updated and systematically complemented by various options. To attract customers, lenders reduce rates, cancel some commissions, soften the requirements for potential borrowers. Banks and car dealers are organized by joint programs that allow almost every citizen to become the owner of a new car. If in 2013, 44% of purchased cars were bought on credit, then in 2017 each second was purchased under the car loan program. A variety of credit products allows you to choose the most favorable credit terms.
In which bank is a profitable car loan.

By the way, the decision of the bank on the issuance of a loan acts at least within a month, so do not hurry with the choice of cars, the main thing is to decide in which bank to take a car loan.

Most of the banks today little pays attention to the level of official income of the potential borrower. Thanks to this fact, many citizens who receive salary in "envelopes" were able to fulfill their dream and become not only the owner of a driver's license, but also the owner of his own car. However, it should be borne in mind that the lack of an income reference attracts large interest on the loan. There are several main aspects to distinguish the most convenient suggestions.

• The minimum interest rate is definitely a significant indicator that clearly demonstrate the amount of the amount that the bank will have to pay over the cost of the car. The lower interest, according to, accordingly, the bank will receive less. However, no bank wants to lose their profits, so credit organizations are taking certain steps, one way or another diluting their own costs. The lowest interests found among autocredit proposals are 8-12%. Such conditions on the car loan in the best banks: URALSIB, UniCredit, Bank of Moscow, etc.
• The minimum initial fee is part of the cost of a vehicle that is paid by the buyer as a confirmation of the seriousness of intentions when issuing a loan. Such conditions offer many banks, but there are separate credit organizations ready to provide the opportunity to purchase a car without making their own financial funds of the borrower. Which bank to choose for auto loans with such conditions - VTB 24, MDM-Bank, Altairenergobank. In the presence of the initial contribution, a clear dependence is traced: the smaller the amount of the initial contribution, the higher the loan rate. Making a fundamental funds when making a loan, as already mentioned, confirms the seriousness of the buyer's intentions. Some banks push other conditions. For example, you can make a loan without the initial contribution, but only on a foreign car, the cost of which is 500,000 rubles and more.
• Often the determining factor when issuing a loan is the characteristics of the car itself. In this issue, each bank has its own conditions. Some approve the purchase of only a new vehicle, others agrees to finance the acquisition of used. Although on used cars to make a loan more complicated. Since banks, consonant finance such transactions, not so much. And they all nominate a single condition for making a purchase only through a car dealership. The most favorable conditions for the purchase of a used car are offered Sberbank, Rosbank, VTB 24, Gazprombank and some others. Buying a used vehicle is a chance to buy a car with a discount of 50-70%.
• CASCO - when making a loan it is worth paying attention to this item, as well as on other types of insurance, in particular, the life and health of the borrower. In almost every advertisement, which represents the next car loan program, the interest rates are indicated that apply only when the full insurance package is issued, which, in turn, significantly increases the cost of the loan maintenance. From insurance, in principle, you can refuse, saving on payments some amount of money. However, the loan rate may increase by 0.5-1.5% per annum. Some banks put the condition of compulsory insurance, but allow you to choose insurers. As a rule, cooperation with the insurers proposed by the Bank increases the CASCO fee.
• Credit registration for two documents for some borrowers is one of the most important conditions. Given this factor, it is possible to conclude about the most favorable conditions on the car loans. They are provided by Sberbank. To make a decision to the representative of the Bank, you need to provide 2 documents: a passport of a citizen of the Russian Federation and to choose a driver's license or INN. In addition to Sberbank, similar programs are available in Rosbank, VTB 24, Bank of Moscow, etc. The borrower resorting to this loan form should be remembered: the bank does not have the opportunity to assess the creditworthiness of the client, therefore allowing certain risks and, accordingly, offers higher credit rates and Highlighted the size of the initial contribution.
• Installing an automaker - a special program provided by the manufacturer's factory. True, the Russian auto industry has no such programs. By installments can only be obtained on a foreign car. It can be a short-term promotion or a joint program of the car dealership and a bank, during the action of which you can buy a car on credit with reduced rates or at a discount on the total cost of the vehicle. Interesting into such a program or share allows you to significantly save on the purchase of a car, be it a loan loan or cash calculation. In addition, there are several car loan programs with which it is worth introducing more.

State support: the best car loan

A unique product that few people heard is a car loan with state subsidy. This proposal is not in every financial organization, since this is a presidential program, within which you can buy a Russian production car. Under its action, some foreign models collected by plants in Russia are also falling. The most profitable car loan can be obtained from this program in Moscow, Rostov and other cities.

The best car loan: minimum rates, initial contribution and additional conditions. List of models falling under advantageous car loan in banks with state support:

• Skoda Octavia, Fabia
• Chevrolet Cruz, Niva, Aveo, Cobalt, C4
• Daewoo Nexia, Mathiz
• Ford Focus
• Kia Rio, LED
• Mitsubishi Lancer
• Mazda 3.
• Toyota Corolla
• Renault Duster, Logan, Sandero
• Volkswagen Polo.
• Opel Astra
• Peugeot 408, 301
• Nissan Nout, Tiada, Almer
• Höndai Solyaris
• As well as all the frets
• All models ZAZ, UAZ, gas

Please note that some configuration of these cars do not fall under the program in connection with a value exceeding 1 million rubles.

State support applies to two third part of the percent of the car loan. The subsidy is calculated at the rate of the central bank acting at the time of the transaction. For example, when buying a vehicle with a loan from Sberbank, a standard bet is 13.5-18%. With the support of the state, the amount of payment for the borrower decreases by 6.5-7%. As a result, the car costs its owner much cheaper, and the implementation of products of domestic enterprises is growing.

Which bank is more profitable to take car loan with state support

The state subsidy program allows you to purchase a vehicle to 3.5 tons, the cost of which does not exceed 1 million 150,000 rubles. The bank provides a loan by no more than 90% of the cost of the car. The term of lending on the program does not exceed 3 years.

The most favorable car loan is obtained under the minimum term, which is issued by the loan. Compare rates depending on the credit period on the example of Sberbank:

Loan terms

Interest rate, %

Up to 12 months

13-36 months

37-60 months

The most profitable car purchase loan

The minimum loan overpayment is one of the most significant factors for customers entering into car loans with financial organizations. For a more accurate understanding of the size of the residue, over the main cost of the car, most financial institutions offer customers to use the credit calculator present on their official website. Such a tool allows you to accurately calculate the estimated load on the budget after the loan design and will clearly demonstrate the amount of overpayment. The rise in price of the purchase directly affects the bid of a financial institution that provides a loan, so a completely natural desire is the conclusion of the most profitable car loan. To date, the most attractive conditions are offered by the Bank of Moscow, Uralsib, UniCredit Bank, they can be obtained under 9-14% per annum.

What favorable car loans can be issued today and where? What suggestions on this topic are Russian banks? We have gathered for you a few most attractive car loan options that may interest you.

Where is more profitable to make a loan for the purchase of a car?

Many of our readers ask us questions about where it is best to make a loan, and what better to take -? There is no single answer here, since both of these proposals will have both their positive and negative sides.

If you choose specialized sentences, you will have a lot of advantages: the availability of affiliate programs and shares from the manufacturer or seller, the ability to reduce interest rates due to, etc. Of the minuses - you will need to spend on insurance, as well as your car before the end of the contract will belong to the bank.

If you make an ordinary consumer loan, then there are also its advantages: you can lend in any bank to your choice, you will not be limited, you do not need to make the first installment and make extra insurance. Of the minuses - high rates, it is not possible to take advantage of the preferential program from the state.

The choice of the bank and the lending program will greatly depend on what kind of car you want to purchase is a new or supported (used \\ y).

As a rule, banking organizations are offered for different types of TS completely different conditions, which are due to the presence or absence of partnerships with official representatives (sellers), as well as the requirements for the auto themselves.

Most often, more attractive conditions and reduced requirements apply to buy new machines. We invite you to study several offers that are currently in the market.

State program for buying new cars

It is advantageous to participate in a preferential program with state subsidy "" and "first car". The project began its action back in 2017, and still popular with car owners. Specifies until the end of this year.

Allows you to make a loan for special conditions: obtaining a discount of 10% of the cost of the car, the first installment is not required, the lending period is up to 3 years, a reduced bet (not more than 17% per annum). The prerequisite is the acquisition of the new passenger TC 2018 or 2019. Production, with production in Russia, worth not more than 1.5 million rubles.

On it work:

1. Rusfinansbank;
2. SarovBusinessbank;
3. TatSozzbank;
4. Volkswagen Bank Rus;
5. MS Bank Rus;
6. RNB;
7. Expobank;
8. Radiotehbank;
9. Toyota Bank, etc.

What conditions? You need to meet the requirements of at least one of the programs, get discounts on both will not work, they are not summed:

Detailed Conditions for the Family Car program can be read on the official website of the project on the HTTP: // Seamenyavomobile.rf/

For new cars on general reasons

You do not approach the requirements of the project described above, or you yourself do not suit the proposed conditions? Then you can lend on without special offers.

Which companies are ready to offer small interest:

• Genbank - a bet of 0% under the installment program in the Crimea,
• Rusfinance Bank - from 1%,
• VTB - from 3.2%,
• UniCredit Bank - from 3.9%,
• PSA Finance Rus - from 5%,
• Credit Europe Bank - from 7.9%,
• Solid Bank - from 8.99%,
• Center-Invest Bank - from 9.75%,
• Bank Union - from 11%.

To calculate your monthly payment, you can use the online calculator:

You can use our expanded calculator with the ability to build a payment schedule and calculating early repayment on this page.

For supported cars

There are no specialized proposals, for this reason the rate on them is much higher. In addition, you need to carefully read the terms of the contract, because Often the period of the car is strictly limited.

As a rule, a loan can be issued on the car of Russian production, whose age is not more than 5-7 years old, and if we are talking about foreign production, then the age of the car can reach up to 10-15 years.

Important: Sometimes the maximum age of the car is limited by the credit date, and sometimes - the end of the contract. Here you need to be very attentive, to correctly calculate your capabilities and be sure to clarify all the information from bank employees.

What banks offer the most attractive conditions

• BMW Bank - Interest rate from 8.5% per annum,
• Center Invest Bank - from 9.75%,
• Zauber Bank - from 10%,
• Bank VTB - from 10.9%,
• Union - from 12%,
• RNB Bank - from 12.5%,
• Primosotkank, an orange bank - from 13.9%.

Many are asked: Is there a car loan program in Sberbank? We answer: no, this type of activity is engaged in its subsidiary, called the Bank. There are many proposals for consumer and auto lending, issuing credit cards and express loans to buy goods. You can find out more

To date, the Russian banks car loans are one of the main retail credit products. Along with consumer lending and housing mortgage, car loans bring to banks an impressive revenue with less risks, because according to the statistics of borrowers who bought a car on credit, less often be delayed on monthly payments or generally refuse to pay. Today in the car loan segment there is a high competition, so credit institutions are actively struggling for each client reducing loan rates and simplifying credit procedure for buying a car. In this publication about banking programs of car loans we choose the most profitable bank to buy a car on credit In 2019.

In order to attract customers, credit institutions establish softer requirements for future borrowers, some commissions are cleaned. The abundance of joint programs between car dealerships and banks allows almost every citizen of the Russian Federation to acquire a new car or a used car on credit at very favorable rates. According to statistics last year in Russia, more than half of the car bought on credit. Due to the fact that in the banking sector, a huge selection of credit products is presented, each consumer can choose a bank for registration of a car loan, based on the situation and its own financial capabilities, because competition between banks is growing from the year.

Many credit organizations today do not even require an official confirmation of income in the form of a certificate of 2-NDFL, which allows citizens, still receiving wages "in envelopes", buy a car. And in this situation, only one minus, without a certificate of income, interest on the car loan is much higher.

Conditions of car loan in Russian banks

One of the determining parameters of the car loan is the interest rate, with the help of this value and the cost of the vehicle, you can calculate how much the borrower will have to overpay the jar, fully paying the loan. However, other conditions for the design of a loan agreement are also important, for example, loan period, early repayment conditions, car insurance requirements, etc.

Another important condition for buying a car on credit is the minimum initial contribution - the amount that the borrower will need to be made for the acquired car when making a car loan. Today, only a small number of banks. For 2019, such loans give: VTB (car loan "Freedom of choice"), Loco-Bank ("Car loan for repeated customers" to a new car), Rusfinance Bank (credit for cars Hyundai), Sovcombank, etc.

Remember both additional costs, such as commissions and fines, for example, some banks charge a penalty for late provision of the Bank of the Bank's original TCP, decorated in the name of the borrower, in accordance with the terms of the loan agreement and the amount of fines may be higher than 10 thousand rubles. Some banks take a commission for opening a loan account, issuance and maintenance of a loan, some credit institutions introduce a commission for opening a current account or for transferring credit funds to a car dealership / dealership and TD. Of all these conditions, the issuance of the loan agreement should be learn before signing it.

Registration of the CBC collected upon receipt of the car loan

In most banks, you have to execute the CASCO policy upon receipt of the car loan, and some banks will try to impose also health and life insurance. All these "perspiors" can make a loan service more expensive, and if CASCO directly affects the interest rate, then from additional health insurance or life insurance is better to speak politely.

If you decide to abandon Casco at the time of signing a loan agreement (for example, the Bank refuses to include the cost of the CASCO policy in the amount of car loan), most likely it will entail an increase in credit rates a few percent. If the bank requires to issue a CASCO policy at mandatory, then try at least choose a favorable insurance company, because the integrated insurance can be seriously different in the price of one SK to another.

The most favorable banks for buying a car on credit in 2019

The table contains credit programs of banks offering car loans at the cost of a car at 1,000,000 rubles for a period of 3 years at an initial contribution of 300,000 rubles.

Please note that for used or new cars from banks, various credit conditions, and some banks do not give out car loans on a used car, or decorated only when you buy a car with mileage in the car dealership, and not the physician.

For example, in Moscow on favorable terms in such banks as: VTB (cars with mileage at Fiz. Litz and from dealers), "Loco-Bank" (credits on a used car not over 11 years old), Raiffeisenbank (without a first installment and without Casco), Europe Bank, Energotransbank and others. Thus, you can buy a used car in good condition with a 50-70% discount on the price of a new car.

Do not forget that there are also special programs on the market today, allowing you to take a car by installments from the manufacturer. There are promotions that provide a loan with discounts on the total cost of a car or a loan with reduced percentages. For such joint programs, car dealerships and official dealers often work.

When you decided on the bank offering the most favorable conditions for buying a car on credit, you should not hurry and immediately enter into a contract. Learn the documents that are prepared for signing - there is a chance that you will be able to save some amount by setting directly questions to the credit specialist (or directly in the car dealership or already in the credit institution department). If you offer a loan in currency (), motivating it a more profitable interest rate, do not hurry, high risk in the future lose more money than you save (due to lower than in rubles, interest rate), in case of serious exchange oscillations of currencies . Take a car loan in the currency under a profitable percentage worth only if you receive income in it.

To buy a new car, you have to save money for several years. Buying a car with mileage, too, can not be called a cheap transaction, and for some Russians, even this option is still in dreams. Due to the fact that car loans in Moscow allow you to purchase any car without exception, the ranks of the metropolitan motorists are replenished annually.

What car loans are offered in Moscow?

Let's start with the fact that you can buy a car on credit in Moscow right in the car dealership. As a rule, car dealerships cooperate with 2-4 banks, whose representatives accept and consider applications on their territory. The application filed in this way is considered under the general conditions.

• loan to a new car;
• funds for a used car;
• program to acquire a specific car brand;
• new car on credit in Moscow on preferential conditions with state subsidy;
• credits for the purchase of cars of the Russian assembly.

Car loan in Moscow - Terms and Basic Parameters

In Russia, there have been established well-established requirements for individuals who applied for a loan. They are slightly modified, they may differ in different organizations, but in general the banks of Russia adhere to this list:

• age: 18+;
• russian citizenship;
• registration: Permanent;
• experience: from 4 months;
• solvency;

Not all banks in 2019 establish a registration requirement in the area of \u200b\u200btheir location, registration in any region is allowed. The same applies to revenue confirmation. For consideration, certificates are taken in the form of a bank or employer, extracts for a retirement account.

Take a car on credit in Moscow under these conditions:

• the initial contribution of 10-50% of the cost of the car or without a first installment;
• interest rate from 14.00%;
• for 5 years;
• no income certificate;
• secured by the acquired vehicle and / or other property;
• with bad credit history, subject to ensuring.

How to find a loan on the site?

All you need to choose a loan here is to know the amount and lending period. In addition, the car loan calculator in Moscow makes it possible (at the request of the user) to look for a loan based on additional conditions.

The car has long ceased to be luxury. Today, for many, he is a necessity. At the same time, not all citizens are capable of accumulating the amount sufficient to buy a car for cash. This situation can help the loan design. In order to purchase a car, you can arrange two types of loans - car loan or cash loan. But not everyone knows which one is preferable.

Advantages and disadvantages of the car loan

Before you understand what kind of borrowing option is better suitable for buying a car, it is worth considering distinguishing features of the car loan. It is important to understand what advantages and flaws are inherent.

Among the advantages of car loans programs, the following can be allocated:

1. The possibility of participation in promotions when buying a car through a certain car dealership. In this case, discounts percentage, insurance and other benefits may be provided.
2. Simplified design procedure. To make a car loan, you will need a minimum package of documents, customer requirements are usually fairly loyal. When buying a car in the cabin, you may not even have to attend the bank branch. The design procedure is often carried out right at the point of sale.
3. Availability of Casco Polis. Traditionally, the bank requires to insure the car acquired. The owner at the same time in the event of the loss of the car will not be obliged to continue to extinguish a loan, for it this will make an insurance company.

To understand whether to take a car loan: it is advantageous or not this, you should consider the disadvantages of this borrowing option. Among them can be allocated:

1. A significant increase in the cost of the car compared with the acquisition for cash. So, with the cargo of the car loan for five years, overpayment can reach half of the initial cost. At the same time, the selling cost of the car will most likely decrease significantly.
2. The growth of mandatory expenditures leads to the fact that the amount of free funds in the family budget is reduced. With incorrect assessment of our own capabilities, the likelihood of financial difficulties is increasing.
3. The car in the case of acquiring an obligations to the car loan to fully fulfill obligations is pledged by the bank. This means that the property cannot be disposed of at its discretion. That is, sell or give the car only with the consent of the bank.
4. The need for additional costs. Most car loan programs provide for compulsory CASCO, which requires payment of fairly high insurance premiums. Moreover, most often the insurance company chooses a credit institution, that is, the CASCO conditions may not be the most profitable. Reviews on the Internet confirm it.
5. You should not forget that the beneficiary under the insurance contract is the Bank. That is, to establish a car at the expense of payments on CASCO is unlikely to succeed, reimbursement will be transferred to the bank.

More profitable to take: car loan or cash loan

To understand whether to take a car loan in 2019, it is worth compare this type of borrowing with non-targeted lending. Today, in the face of tough competition between banks, they constantly develop new programs. That is why cash loans are constantly decreasing. In some banks, they are already approaching percentage of auto loan. The benefit will be even higher if you contact a bank where the future borrower has already paid a loan or receives wages.

Best of all, of course, calculate overpays by different programs. But it can be noted that with the right choice of the conditions of the misunderstanding loan, the difference in overpayment will be insignificant. At the same time, consumer lending eliminates the need for CASCO. Insurance contributions for such agreements significantly increase the final cost of the car.

There is another nuance - with consumer lending, the car will not be pledged. This allows you to manage the car at its discretion. You can sell it at any time and purchase another. Reported in such actions before the bank does not have to.

The only case when deciding whether to take a car loan should be bent in favor of targeted borrowing - the presence of state support. It takes place to acquire domestic cars.

Thus, under the clue, as well as the conduct of detailed settlements, you can definitely answer the question whether autocredit is beneficial. In most cases, consumer loans should be preferred. Ultimately, this approach can significantly reduce overpayment. Accordingly, the final cost of the car will be lower.