Since the 2013th year, all car loans are issued by Sberbank or as part of the basic program, which was named "Car Loan" or special programs.If you choose the first one, you can count on the purchase of a new or used vehicle domestic or imported.With regard to special conditions, then we are talking about joint programs with specific automakers.
When we talk about the fact that car loans are issued by Sberbank on second-hand vehicles, there are certain limitations.So, for example, the age of domestic production, as well as the Chinese car industry can not exceed 5 years.Vehicles of all other species may be 6, and 8 and 10 years "after birth".
If you are interested in this loan of Sberbank, the need for registration, primarily to meet certain requirements:
• be a citizen of Russia at least 21 th, but not older than 75 years (the upper limit means that at this pointthe loan must be repaid in full);
• have a temporary, but rather a permanent record in the region, where it is planned to receive the funds needed for the purchase of cars;
• do not have past violations repayment schedule;
• work and have relevant professional experience;
• be prepared to confirm his official income, the amount of which will allow the use of borrowed funds.
We would like to mention such a requirement as an opportunity to make an initial payment.It is a kind of confirmation of the seriousness of your intentions.Ideally, it needs at least 30% of the selected vehicle.
course, said banking organization responsible for monitoring the market of loans issued for the purchase of cars.This is to offer customers the best possible flexible.For example, many players credit and financial markets do not take into account alternative sources of income of its customers.However, at some point they are faced with the fact that the number of borrowers, the official income is enough to obtain a loan, fell sharply.Naturally, it took to look for ways to solve this problem.And today, in a program that can not be seen, but in the course of oral consultations Manager reports that take into account all income earned potential borrowers.
about interest rates and future
interest rates, which are characterized by auto loans Sberbank, depends on the terms on which they are made.For example, the ruble rates are 14.5%, 15.5% and 16% for cases where the term of the loan is a year or less, from one year to three or more than three years, respectively.
should also be noted that auto loans Sberbank issued to certain categories of customers at preferential interest rates.Individuals receiving the card through the institution of wages, pensions and social benefits, can expect to reduce the base rate by one point.It seems to be a little bit, but very nice.
In conclusion, I would like to note the following: it is best if the mortgage Sberbank is made in the same office where you took a loan to buy a car.Firstly, you can count on the loyalty of him.Second, you may be offered special conditions of service.
