Denis Valentinovich Manturov Minister of Industry and Trade of the Russian ...
Targeted lending programs are one of the promising areas of activity of the savings bank of Russia, for example, a Sberbank car loan for individuals in 2019 is an excellent option for purchasing a car on favorable terms.
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Loan programs
Sberbank is the largest participant in the Russian financial market and is trusted by all categories of citizens. Thanks to a flexible approach to each client and a variety of options for obtaining a loan, it is quite simple and profitable to apply for a loan to buy a car from Sberbank.
Standard
A standard or basic program allows you to take a loan for a car from a Sberbank for a period of three months to five years. Interest rates range from 13.5% to 17% per annum in rubles and from 11.5% to 13.5% in euros and dollars. Loan amount from 45 thousand to 5 million rubles; from 1 to 120 thousand euros or from 1.4 to 150 thousand dollars.
A prerequisite is the presence of an initial payment of at least 15% of the cost of the car, thus, the maximum loan amount will be 85% of the price of the car. In addition, the borrower must pay the cost of the CASCO insurance policy. 
With government subsidies
A car loan with state support, its main advantage is a low interest rate from 8% to 10% per annum under a preferential program. The innovation of 2019 is that a preferential loan for a car can now be issued not only for domestic brands, but also for some foreign-made cars.
The conditions for granting a loan with government support are much more stringent than in standard programs:
- The borrower must not be over 65 years old. Pensioners cannot participate in this program;
- Government subsidized car loans are not issued to women with children under 6 months of age;
- The down payment can be up to 30% of the vehicle price;
- A significant package of documents submitted to the bank: a passport and a second identity document, for example, a driver's license; employment history; certificate of income for the last six months;
- An indispensable condition is an unblemished credit history of the borrower;
- For the purchase of a vehicle worth less than 750 thousand rubles and weighing less than 3.5 tons, the loan amount will be 85% of the price;
- The car cannot be used and must be registered in the Russian Federation;
- Conclusion of a vehicle insurance contract.
Affiliate
The partnership program implies the purchase of a car from a bank partner company on special, favorable credit terms. A loan for a car in Sberbank under a partnership agreement is issued to individuals for a limited number of domestic and foreign models at 15% - 17% for a period of up to five years.
The purchase and registration of a loan is carried out in a car dealership, which significantly saves time.
Conditions and procedure for car loans
Question: How to get a car loan from Sberbank, and who can expect to receive a loan?
Answer: Any citizen of the Russian Federation who has reached the age of 21 and who has a passport can apply for a car loan in a Sberbank in 2019.
Note! Continuous work experience in the last place of work for at least six months and a positive credit history are indispensable conditions for a car loan in the Savings Bank of Russia.
A client who has a salary account with the Security Council of the Russian Federation can count on the approval of the application within two hours from the moment of contact, the standard time for making a decision is 2 days. To obtain a loan, please contact the bank branch at the place of registration.
The positive point is that with an initial payment of 30% or more, the package of documents will be minimal, no confirmation of income and the presence of guarantors will be required.
The cost of a compulsory insurance policy, at the request of the borrower, can be included in the total loan amount. Sberbank does not charge a commission for servicing a car loan account.
It is possible to buy not only a new car, Sberbank provides for the issuance of a car loan for a used car.
The maximum loan amount for the purchase of a car is 85% of its value. Today, it is unrealistic to get a car loan from Sberbank without an initial payment.
The security of the risks of the credit institution is the pledge of the purchased vehicle.
Loan calculator
It is easy for an ordinary consumer to get confused among the many programs and features of lending. To help clients, Sberbank on its official Internet resource offers an online service for calculating a car loan. Go to the Sberbank website in the "car loans" section, select the desired conditions: loan amount, currency, maturity, car price, type of vehicle, monthly income, insurance cost. Changing the data, choose the most suitable car loan option for you.
The service will help you calculate the schedule and determine the type of payments: according to the annuity or differentiated principle. In the first case, the loan is repaid in equal monthly installments, in the second, interest is charged on the balance of the outstanding loan amount.
Important! Calculations in the online service are approximate and cannot serve as an official offer of the Security Council of the Russian Federation. Personal conditions and opportunities for lending should be checked with specialists at the Sberbank branch. Read the terms of the loan agreement carefully!
List of required documents
The package of documents is somewhat different from the usual list:
- Completed bank application form for a loan to purchase a vehicle;
- Photocopies of all pages of the passport and client's rights;
- A copy of the work book or a certificate from the employer about work experience;
- Certificate confirming temporary registration at the place of residence, if any;
- Form 2-NDFL or a statement of income for the last 6 months in the form of a bank;
- Payment document on the initial payment for the car;
- A photocopy of the vehicle's technical passport;
- Car purchase agreement - original and copy;
- CASCO or OSAGO insurance policy;
- An invoice from the seller to pay the remaining amount.
Car loans for retirees
Question: How to apply for a car loan at Sberbank for elderly people, is it possible?
The answer to this question depends on many factors, the main one being the borrower's age at the time of full repayment of the debt, as a rule, it should not exceed 75 years. On average, the maturity of the loan is 1-2 years at 16%. Pension payments must be made through the Security Council of the Russian Federation.
The Savings Bank applies an individual approach to each client, respectively, the terms of lending may vary depending on the capabilities and characteristics of the pensioner's life. For example, if a person has additional confirmed income or a spouse acts as guarantors, the size of the car loan may be increased. The guarantor for the bank will be the availability of valuable collateral - real estate, jewelry, surety of legal entities.
The pensioner must be a citizen of Russia or have a temporary registration, which must not expire earlier than the loan term.
Savings bank loan for refinancing 2018
In a modern, rapidly changing world, the situation may develop in such a way that the consumer is no longer satisfied with the conditions for the car loan paid to him. For such cases, Sberbank offers a loan refinancing program.
Simply put, this is the replacement of one loan with another on completely new terms. As a result of on-lending, the remaining amount of the debt on the old loan is repaid at the expense of the new loan.
When appropriate
- New interest rates and other conditions are significantly more favorable than the old ones. However, all the subtleties must be taken into account. Renewal costs, appraisals, hidden fees can negate the benefits of on-lending;
- If your personal financial situation has deteriorated, take out a new loan with a lower monthly repayment amount;
- If there is a need to sell a car, it is impossible to do it under the conditions of a car loan, since the car is a pledge. In such cases, take a consumer loan from Sberbank, but remember to increase interest rates;
- If the client wants to buy a new car without closing a car loan for the old one. The bank issues a loan under the trade-in program and at the same time repays the previous loan. In this case, a car purchased earlier will be considered an initial payment.
Conditions and advantages of recrediting at Sberbank
- The opportunity to take out a loan of up to 1 million rubles on more favorable terms, for a period of up to 5 years at 16% per annum.
- Sberbank offers the option of refinancing up to 5 loans simultaneously received from different credit institutions.
- Lack of commissions, guarantors, collateral and collateral.
- Individual conditions for certain categories of borrowers.
- Possibility of early repayment without penalties
Important! The absence of overdue payments on the refinanced loan is a prerequisite. As a result of on-lending, Sberbank will repay only the principal amount, interest, commissions, insurance and other payments are paid at the expense of the borrower.
Buying a car is a dream of many, but not everyone can afford such a purchase right away. In such situations, it is possible to obtain a car loan at the most popular bank in the country - Sberbank. It is known for its reliability and convenient lending programs. That is why many people prefer it.
Think carefully before borrowing a car. You will have to pay a specific amount every month. If you are late, additional interest will be added. Take a car loan only if you are completely confident in your work and receive a stable income. If you have not already done so, look for a suitable car model. It is preferable to opt for a new car. When you have chosen the right car, ask the consultants if the company cooperates with Sberbank. Most car dealerships and dealerships will give you an affirmative answer, show you where the lending department is located, tell you all the conditions and help you choose the most convenient program.
After completing the contract and submitting the documents, you can come to the chosen car dealership, draw up a sales contract and pick up the car you like. Be sure to insure it against damage or theft.
A car loan for individuals in Sberbank is well suited for those for whom a car is not a luxury, but a means of transportation. It remains only to decide on the size of the car loan and the technical characteristics of the car.
It should also be borne in mind that there are special targeted programs (for example, the disposal of old equipment, which allows you to reduce the amount of the down payment by fifty thousand). More details about this and many other things (promotions, reviews) can be found on the official website of Sberbank.
Sberbank car loan interest rates in 2018
Sberbank is working to optimize interest rates so that more people can use the car loan service. In 2018, the values of interest rates for individuals will vary from 13.5 to 16 percent per annum, however, there are benefits that reduce the amount of payments. One way or another, the first installment is always 15% of the total amount of the car, which does not always make it possible to use this service when updating your car.
It should also be noted that it is permissible to buy a used car on credit, but it must meet the requirements: Russian and Chinese cars must not have more than five years of operation, other cars must not have more than ten. Insurance in an insurance company accredited by Sberbank also does not hurt: you can learn more about this in the article on.
Some people raise funds for a car loan by investing money. The Tavrichesky bank is suitable for them. Deposits of individuals in 2018, interest on deposits and other related information is available.
Conditions for a car loan at Sberbank in 2018 to individuals
To conclude a deal for a car loan, you must meet the following conditions:
- The minimum client age is twenty one;
- The maximum age of the client is 75. The client is obliged to repay the loan before reaching it;
- For pensioners, there are practically no differences in the terms of the contract, however, the terms of payment of the entire amount in full cannot exceed one and a half years;
- Russian passport;
- Registration in the region where Sberbank is located;
- Positive credit history, which should not contain dark spots (that is, problems with paying off debts);
- The minimum work experience in the current place of the borrower is six months.
- The total length of service of the borrower must be at least five years;
- Availability of documents confirming solvency (certificate from the place of work).
- Have a correctly completed application form available.
If all the conditions are met, an individual can count on a positive response from the bank to a request for a car loan.
Car loan in Sberbank in 2018 - calculation calculator
Since a car loan for an individual is popular, a special calculation calculator has been created that will allow you to calculate the value of a car loan for each car from the list of available loans. You can familiarize yourself with the list of cars and use the calculation calculator (with the possibility of flexible settings) on the official website.
Sberbank car loan with government subsidies
Government subsidy program (in other words, a program designed to support the buyer in purchasing domestic automotive products). Thus, people who do not have enough funds to buy a car or those for whom the interest on a loan is too high acquire the opportunity to get a personal car. And although the down payment is still 15% of the total, the interest rate will decrease and will vary between 9 and 10%.
Naturally, there are restrictions - only domestic passenger cars from the list, weighing not exceeding 3.5 tons, are available.
It is also necessary to remember that a Sberbank car loan with state support can only be obtained if there is an insurance contract for the car and the client.
Down payment for a car loan at Sberbank
The down payment for a car loan for an individual is 15% of the total cost of the car. Although this may become an obstacle in purchasing a personal car, the rest of the conditions offered by the bank are quite acceptable and even beneficial to customers:
- No commission for paperwork;
- There are no penalties for early repayment of debt.
In addition, there is a special consumer support program for clients who receive their salaries on the bank's salary card.
At the end of 2017, there is no separate car loan at Sberbank with interest rates and conditions exclusively for purchasing a car. Therefore, we will consider ordinary consumer loans for which there is no specific target use of funds, which means that you can buy a car with this money.
Sberbank has 2 developed credit programs that are most suitable for the concept of a car loan. The terms on them are almost identical and the interest rates differ slightly. The main difference is the absence or presence of guarantors, of whom there can be at most two. Their income is taken into account to increase the maximum car loan amount. The maximum and minimum values of interest rates for both programs of Sberbank can be found in the table below.
| Program | Car loan amount | Interest for clients receiving salary or pension at Sberbank | Interest rate for everyone else |
|---|---|---|---|
| Without a surety | Up to 250,000 ₽ | 12,9-19,9% | 13,9-19,9% |
| From 250,000 ₽ to 500,000 ₽ | 14,5% | 15,5% | |
| Over 500,000 ₽ | 12,5% | 13,5% | |
| With a surety | Up to 250,000 ₽ | 12,9-18,9% | 13,9-18,9% |
| From 250,000 ₽ to 500,000 ₽ | 14,5% | 14,5% | |
| Over 500,000 ₽ | 12,5% | 12,5% |
As you can see from the table, clients receiving a pension or salary at Sberbank can count on lower interest rates on car loans. However, it must be said that the fixed percentages from the table are an ongoing New Year promotion valid until January 31, 2018. What conditions will be after this date is still unknown. The rest of the basic conditions can be found below:
Issuance and redemption takes place only in Russian rubles. In case of late payment of the next payment, a penalty of 20% per annum is charged on the amount of delay for each day until the full repayment of the arisen debt. Additionally, Sberbank can issue a credit card with a maximum possible limit of 150,000 rubles or a personal card with a maximum limit of 200,000 rubles.
Car loan in Sberbank with government subsidies
The government of the Russian Federation is carrying out a program of state subsidies for car loans, but Sberbank, unfortunately, does not participate in it. The essence of the program lies in the repayment by the state of 2/3 of the interest rate set by the credit institution. But you can only buy cars made in the Russian Federation in this way. Other requirements are imposed on the purchase of machines. You can learn more about the conditions of car loans with state subsidies and the list of cars approved by the government for state support in a separate article by clicking on the banner.
Calculation on a loan calculator
Before submitting an application for registration, we recommend that you estimate the size of the monthly payment. To do this, enter the interest rate, amount and loan term in the appropriate fields of the Sberbank car loan calculator. Repayment takes place in an annuity way, that is, in equal installments. It remains only to press the button of the calculator "Calculate" and see the results.
Thanks to calcus for calculating on a credit calculator
Borrower requirements and required documents
We recommend that you familiarize yourself with the requirements of Sberbank for an individual who wants to get a car loan:
- The age of an individual must be at least 21 years old at the time of application and not more than 65 years old by the time the contract expires.
- Citizenship of the Russian Federation is required.
- Official employment and work experience at the current place of employment is at least 6 months.
- At least 12 months of work experience of physical work experience over the past 5 years.
You can apply for a car loan on the official website of a financial company, through Sberbank Online or at any branch. For the latter method, the interest rate is increased by 1% per annum. After preliminary approval, you must provide a complete package of documents. It takes up to 2 working days to process them. After the final positive decision, the transaction is concluded and the funds are issued. Money can be received in cash at the cash desk of Sberbank or by transfer to a debit card.
List of required documents:
- Passport of a citizen of the Russian Federation with a mark of permanent or temporary registration.
- A copy of each page of the work book certified by the employer.
- Certificate of income in the form of a bank or 2-NDFL.
Despite the fact that Sberbank does not have a separate car loan program, this does not prevent you from purchasing a car by taking money from the bank. Interest rates in this case are slightly higher, but the car is not pledged and can be freely sold if necessary. But we recommend that you make a calculation on a loan calculator and assess your financial capabilities before submitting an application.
Today, buying a new car is not difficult for any car enthusiast. With only up to 30% of the cost of transport available, you can get a loan to buy a car, for example, at Sberbank. This offer is for those who do not like to wait, but want to drive their vehicle today. Let's consider what are the conditions for car loans in Sberbank of Russia and what are its advantages in more detail.
Advantages:
Disadvantages:
- Strict requirements for potential borrowers. Sberbank does not issue loans to clients with bad credit history, low income or short work experience.
- The need for a down payment. Although Sberbank will contribute most of the amount for the purchase of transport for you, you should still have the amount of money for the first installment.
- Stay of the purchased car in the status of a pledge of Sberbank. A prerequisite for the bank is the registration of the purchased car in the pledged property of the lender. More details can be found in.
- Casco insurance. All Sberbank car loan programs require comprehensive insurance.
- In addition to paying the entire cost of the car, you have to pay interest on the cost of the loan to the financial institution for the provision of services.
Studying the conditions of lending for the purchase of a car in Sberbank online, once again weigh the pros and cons of such an important step as obtaining a car loan. After all, this is a promissory note not for a month, but for several years. Sberbank of Russia offers several options for car lending - these are the Auto Loan, Auto Loan with Government Support and Auto Loan Partner Programs. Let's consider the conditions and requirements for their provision each separately.
Auto loan program from Sberbank of Russia
The bank's offer under the name "Autocredit" applies to the purchase of a new or used car of a domestic and foreign manufacturer. In addition, the terms of this type of lending offer:
- issuance of a loan for a period of 12 to 60 months;
- the possibility of providing a loan in several currencies (rubles, dollars, euros);
- making a first installment of 15% of the cost of the car;
- payment of an interest rate in the amount of 11.5-16% per annum.
An advantage for individuals who use a Sberbank card to receive a pension or salary, as well as who have a bank account, is a 1% reduction in the annual interest rate on this loan. In this case, you can take a loan to buy a car with more favorable conditions.
"Car loan with state support"
This offer of the bank applies to the purchase of cars exclusively assembled in Russia. However, you should not worry about this. Today, many well-known car brands roll off Russian conveyors. Lending terms for this program are as follows: 
- to repay the loan, a period of 1-3 years is provided;
- interest rate (depending on the term of the loan) varies from 8 to 10%;
- the amount of the first installment is equal to 15% of the cost of the purchased car;
- the cost of the car should not exceed 750 thousand rubles.
"Car Loan Affiliate Programs"
This offer is suitable for potential borrowers who wish to purchase a car from a car dealership that has a partnership with the bank. For such persons, the auto shop is ready to offer a substantial discount, various gifts and favorable conditions for a loan from Sberbank of Russia:
- the minimum amount of the down payment does not exceed 15% of the cost of the car;
- the interest rate under the loan agreement varies from 10.5 to 16% per annum;
- providing a loan in several currencies - rubles, dollars, euros;
- the maximum loan term is up to 3 years.
Thus, if the car dealership in which you have chosen a car is included in the list of Sberbank partners, then a car loan can be issued right on the spot and at the same time receive favorable conditions.
Important requirements that the bank imposes on borrowers
For individuals, the bank puts forward special requirements for the provision of a loan for the purchase of a car:
- The age of the potential borrower must be between 21 and 75 years old.
- It is necessary to have a certificate confirming the official income of the borrower.
- Mandatory presence of guarantors or registration of the purchased car as a pledge.
- The length of service in the last job must not be less than 6 months, and the total length of service over the last 5 years must be less than 1 year.
Thus, we can conclude that a car loan should be taken only in case of complete confidence in financial stability. Otherwise, there is a big risk of being left without a car and the amount already paid under the loan agreement.
It is also worth noting that Sberbank offers its customers three car loan programs, from which you can easily choose one that is right for you. In addition, for real customers (individuals) who have a card or account with Sberbank, the lender makes concessions and offers more favorable conditions.
But nevertheless, before taking such a responsible step, assess your strength sensibly. A correctly made decision will save you from further troubles, and buying a car will bring a long-awaited joy.
Maxim Pogorelov
Worked for 7 years in a bank. I have two higher educations FINEC(St. Petersburg State University of Economics and Finance) and SPbPU(Peter the Great St. Petersburg Polytechnic University).
