Terms of preferential car loan from banks.

How many people know, to support domestic manufacturers the Government of the Russian Federation has developed a program of preferential car loan, which apply to the purchase of cars assembled in Russia. Under this program cost of the vehicle shall not exceed $ 600 thousand, while the rate on the loan will be repaid at a rate of 2 / 3 of the Central Bank refinancing rate. To date, the possibility of concessional lending to buy cars provide just 4 banks: Gazprombank, VTB 24, the Savings Bank and Agricultural Bank. Rules for obtaining credit in each of the banks are as follows: Gazprombank. The credit limit issued by the bank is 510 TR Loan Term - 3 years. Necessarily guarantee an individual or vehicle bail. Just credit conditions imply compulsory insurance for such risks as theft, damage and liability insurance. Taking credit means the standard procedure of filling the questionnaire, where the receiver indicates the main sources of income and the presence of movable and immovable property. Consideration of an application takes from one to five days. The same fee is charged for processing credit transactions in the amount of 5400r. Bank VTB 24. The bank offers a simple system of credit receive benefits under the program "Autoexpress. Age limits for muzhchnin from 23 to 60 years for women aged 21 to 60 years. Required work experience at least one year and not less than three months of work in the service area of ??the bank. Per capita income should be not less than 10,000 rubles per family member not less than 8,000 rubles. Required documents: passport and any other document to choose from: military ID, passport, driver's license. Time of the application - 1 hour. The initial contribution to the policy Hull should be 15% of the cost of car insurance policy without Hull - 50% of the car. Owner of vehicle may repay credit obligations with VISA cards issued by the bank. "Simplified" form of credit implies higher interest thereon in VTB24 exists and the standard program of preferential car loan. Sberbank of Russia. Required Documents To filing: passport, income statement and statement of consent of the spouse to purchase a car. Consideration of applications takes several days. Fee for registration of the contract lending - 6t.r. For borrowers with a clean credit history - 3t.r. The tariff for consideration for the loan can range from 1 to 4% depending on the regional branch of Sberbank. The Bank provides a list of companies that will need to insure the car against the risks of theft, loss and damage. You can repay the loan monthly and quarterly. RAB. Limitation on the amount of the loan is 510 TR Necessarily guarantee an individual or vehicle bail. The loan term not exceeding 3 years. Get a loan can be citizens of the Russian Federation not younger than 18 years. Required documents: passport, a copy certified by the employer employment record and income statement for the last 6 months. Commission for consideration of the application will be charged on the amount of 100 to 500 rubles. Repayable in equal monthly installments.