A car loan is one of the ways to purchase a car if you have insufficient funds. Banks and car dealerships, which are representatives of car manufacturers, issue car loans.

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One of the most popular banking services among consumers is Uralsib. , what requirements are imposed on borrowers, what package of documents must be provided for consideration of the application and paperwork, read on.

Briefly about the bank

Uralsib Bank was founded in 1993 in Bashkiria. After reorganization and merger with five regional banks in 2002, the organization became one of the largest federal banks.

Currently, the main office of the credit institution is located in Moscow. The bank has representative offices in more than 45 regions of the Russian Federation. In addition, more than 270 autonomous points of sale and more than 2 thousand ATMs and terminals operate successfully.

In 2019, the bank entered:

• in the TOP 30 largest banks operating in the Russian Federation;
• in the TOP 10 banks for issuing car loans;
• in the TOP 10 banks for working with small businesses.

The main activities of the bank:

• lending to the population and organizations of different levels and forms of ownership;

The bank issues regular consumer loans, targeted loans for the purchase of vehicles and real estate, education loans, and so on. Legal entities can take advantage of leasing programs.

• work with clients' current accounts;
• work with deposits of individuals;
• conducting operations with precious metals;
• investment activities;
• provision of safe deposit boxes and safes.

The bank's clients at the beginning of 2019 are:

• more than 5 million individuals;
• more than 100,000 organizations.

Programs and conditions at Uralsib for car loans

To use the calculator, you will need to enter the following data in the appropriate fields:

• what kind of car will be purchased (new or used);
• the cost of the selected car;
• down payment paid from the borrower's own funds;
• participation in the preferential car loan program;
• expected loan term.

For example, a borrower purchases a new car worth 800,000 rubles. The first installment will be paid in the amount of 20%. The loan term is 36 months.

When using a standard car loan program you will get:

If the borrower uses the preferential state car loan program, then the following data will be obtained during the calculation:

For individuals, applying for a car loan online is not available. However, it is possible to fill out an application - a questionnaire, a sample of which is presented on the website.

The application must indicate:

• personal information about the borrower (full name, registration and residence addresses, contacts, marital status, place of work, and so on);
• information about the purchased car (make, model, power, VIN number, year of manufacture, etc.).

The application is submitted to the bank in person. A package of required documents is attached to the application.

Legal entities and individual entrepreneurs have the opportunity to apply for.

To do this, fill out a special form, which indicates:

• name of the borrower organization;
• Full name of the contact person;
• estimated car loan amount;
• mobile phone number for communication;
• organization email address;
• region of company registration;
• name of the locality;
• address of the borrower company.

After reviewing the application, a bank employee will contact a representative of the organization to clarify the terms of the car loan and prepare documents.

How to pay

Payment for a car loan is made in accordance with the issued payment schedule, which indicates:

• date of payment;
• monthly payment amount.

You can make a payment:

• at a bank branch, through an ATM or terminal owned by the bank or online when registering a personal account on the website of a credit institution. When choosing one of the above methods, no commission is charged for transferring funds to a credit account;
• in branches, ATMs and terminals of third-party banks. The amount of commission charged depends on the tariffs of the credit institution;
• through branches of the Russian Post (the commission is calculated by an employee of the organization when processing a money transfer);
• through money transfer systems.

URALSIB Bank, with which the MAS Motors salon cooperates, has several lending programs under which individuals can purchase a new/used foreign-made car, or a new domestic car.

Credit "Standard"

With the loan you receive, you can buy both a new and used car.

Conditions:

• The loan amount ranges from 80,000 to 3,000,000 rubles.
• You must immediately pay at least 20% of the price of the car.
• Loan terms from 1 to 5 years.
• A prerequisite for issuing a loan is the registration of CASCO insurance (you can also get it on credit).
• The purchased car acts as collateral for the loan.
• Ownership of the car can be transferred to a close relative of the borrower.
• A guarantor is not needed.

Rates:

The interest rate depends on whether the borrower has taken out or renounced life and health insurance, as well as the amount of the down payment and the term of the loan.

• If insurance is issued and the loan term is from 1 to 5 years:

Contribution from 20 to 30% - 16.7%

Contribution from 30 to 40% - 15.7%

Contribution from 40 and above - 14.7%

• If insurance is not issued:

From 20% to 30% and from 3 to 5 years - 19.25%

From 30% and from 1 to 3 years - 18.5%

Requirements:

• Passport of a citizen of the Russian Federation.
• Registration for 6 months in the region where the office of the bank issuing the loan operates.
• Age from 21 to 65 years (the maximum age is considered at the end of the loan agreement).
• You must work at your last job for at least 3 months.

When purchasing a new car worth up to 1 million rubles, you will need to provide a passport and driver's license. Similar documents will be required for bank salary card holders who wish to purchase a used car. Everyone else will have to provide a 2-NDFL income certificate and a copy of their employment document certified by the employer. If you don’t have a driver’s license, you can provide a foreign passport, military ID, SNILS or officer’s ID.

Loan for a new Lada car

You can purchase a car under this lending program only from official dealers of AVTOVAZ OJSC.

Conditions and requirements for the borrower

Rates:

• If life and health insurance is taken out:

Payment from 20% to 40% and loan term from 1 to 5 years - 15.7%

From 40% and from 1 to 3 years - 14.7%

From 40% and from 3 to 5 years - 15.17%

• If the borrower refuses insurance:

Payment from 20% and loan term from 1 to 3 years - 17.25%

From 20% to 40% and from 3 to 5 years - 18.5%

From 40% and from 3 to 5 years - 18.0%

Loan for a new FAW car purchased from official dealers

Terms and requirements: similar to the “Standard” car loan

Rates:

• If the borrower has life and health insurance:

Payment from 20% to 40% and loan term from 1 to 3 years - 14.9%

From 40% and from 1 to 3 years - 13.9%

From 20 to 40% and from 3 to 5 years - 15.5%

From 40% and from 3 to 5 years - 14.5%

• If you have taken out GAP insurance (“Guarantee of maintaining the value of the vehicle”

Payment from 20% to 40% and loan term from 1 to 3 years - 14.5%

From 40% and from 1 to 3 years - 13.5%

From 20 to 40% and from 3 to 5 years - 14.9%

From 40% and from 3 to 5 years - 13.9%

• If you refuse both types of insurance:

Payment from 20% to 40% and loan term from 1 to 3 years - 17.5%

From 40% and from 1 to 3 years - 17.0%

From 20 to 40% and from 3 to 5 years - 18.0%

From 40% and from 3 to 5 years - 17.5%

Loan under the Auto Partner program

Applies to new and used cars purchased at the bank’s partner showrooms.

• The loan amount ranges from 100,000 to 3,000,000 rubles.
• Otherwise, the conditions and requirements are the same as for the above-mentioned car loans.
• Down payment from 20%, interest rate from 10.9%

Car loan under the state program

Within the framework of car loans “Standard”, as well as “Loan for a new Lada” can be purchased under the state program.

• Only new cars, the cost of which does not exceed 1.45 million rubles.
• The loan term is no more than 36 months.
• The first payment is from 20% of the cost of the car.
• Interest rate - from 8% (the state takes on 2/3 of the key rate).

URALSIB is a bank that is actively developing its own car purchase programs. Let's figure out how to become a car owner in the shortest possible time, what is the loan amount and who can submit documents.

Car loan “Standard”

A car loan from URALSIB Bank can be obtained in accordance with one of the following options:

Loan for the purchase of a foreign-assembled car (new or used) or assembled in Russia (without mileage) in the amount from 80 thousand rubles to 3 million rubles from 8% per year. When completing a transaction, the buyer is required to pay at least 20% from his own funds.A loan for a Russian or foreign car at URALSIB is issued for a period of up to 5 years.

On a note. The borrower has the right to register the purchased car not in his own name, but in the name of one of his immediate relatives.

Until the loan is repaid, the subject of the agreement remains pledged to the lender. No guarantee or additional security is required.

The following documents are provided to the bank:

• Passport and photocopy of all sheets.
• Driver's license and its photocopy. If the rights have not yet been received, they can be replaced with a military ID, SNILS, etc.
• When purchasing a used car, a 2-NDFL certificate is required. If a new car is purchased, a certificate in form 2-NDFL or in the form of a credit organization is filled out if the requested amount exceeds 1 million rubles.

The lender, URALSIB Bank, has the right to request additional documents confirming the client’s identity and solvency.

Lada on credit

A car can be purchased at one of the car dealerships at 8% per annum. The borrower can receive from 80 thousand rubles to 3 million rubles. When signing a contract, the buyer pays at least 20% of the cost of the car from his own funds. Until full repayment, an encumbrance is placed on the car. No additional surety or collateral is required.

When completing a transaction, the credit manager is given:

• Russian citizen passport.
• Driver's license. Can be replaced with a foreign passport, pension certificate, military ID or other documents.

If the required amount exceeds 1 million rubles, a certificate is provided confirming the receipt of a stable income (salary, etc.) in the form of a bank or 2-NDFL. The term of the car loan is up to 5 years.

When applying for a car loan at URALSIB Bank, remember that at the time of submitting the application, your age must be at least 21 years, and the maximum age at the expiration of the loan is 65 years.

FAW on credit

The buyer can choose any car of this brand in an authorized dealership and take advantage of the conditions of the federal lending program:

• When paying an initial payment of 20% of the cost, the interest rate is in the range of 3.9-12.4% per annum.
• When making a lump sum payment of 40% of the cost of the car, the interest rate is in the range of 0-10.6%, depending on the loan term.
• When paying a down payment of 60% or more, according to the URALSIBA car loan calculator, the interest rate will not exceed 8.9% per annum.

The official website provides the ability to calculate the monthly payment if you plan to get a car loan from Uralsib Bank; the calculator contains all the necessary data and provides information on all programs.To confirm the identity of the borrower, originals and copies of a passport and a second document are provided to the credit department: military ID, driver's license or pension insurance certificate.Confirmation of solvency is required if the loan is more than 1.5 million rubles.

"AUTOPARTNER" program

At Uralsib, you can apply for a car loan for the purchase of cars (new or used) at authorized centers with a simplified application option.The minimum amount is 100 thousand rubles, the maximum is 3 million rubles. There are several tariffs within the program:

Buying a vehicle without mileage

• When paying a down payment in the amount of 20-30% of the cost of the car and purchasing a life insurance policy, the borrower pays an interest rate of 12.9% per year. If the loan recipient refuses to pay for the insurance policy, the interest rate will increase to 15.9%.
• By making a one-time payment of 30 to 40% of the purchase price, the borrower receives a loan at 11.9% per annum, provided that he has insured his life and health for the loan period. If no insurance policy is purchased, the interest rate will be 14.9% per annum.
• If, when signing the contract, the buyer pays at a time more than 40% of the cost of the car and purchases a life and health insurance policy, the interest rate will be from 10.9% per annum. If you cancel the policy, the loan rate will increase to 13.9% per annum. A The optimal car loan option for you at URALSIB Bank can be calculated using the calculator on the bank’s website.

Purchasing a used car

• Upon payment For 20% of the cost of the car and the purchase of an insurance policy, the borrower receives an interest rate of 15.9% per annum. Refusal of insurance will lead to an increase in the cost of the loan by 3% per year (at 18.9% per annum).
• A lump sum payment of 30 to 40% of the cost of the car and the purchase of an insurance policy allow you to count on an interest rate of 14.9% per annum. If the borrower does not purchase an insurance policy, the interest rate increases to 17.9%.
• If, when lending to URALSIBE for the purchase of a car, more than 40% of the cost of the car is paid at a time, the borrower receives a loan at 13.9% per annum, subject to payment of the insurance policy. Refusal of insurance will result in an increase in the interest rate to 16.9%.

This type of lending assumes that the applicant for borrowed funds only needs to present documents confirming his identity: a passport of a Russian citizen and a second document of his choice.

Uralsib Bank provides car lending services subject to the following mandatory conditions:

1. The buyer of a car insures it in favor of the lender against possible loss in any way and all types of damage: accidents, natural disasters, etc.
2. The insured is one of the companies cooperating with the credit institution. The beneficiary is the bank.
3. The buyer may not pay for insurance for the first year in cash, but include it in the total loan amount.

Important: the original PTS remains with the lender until the loan agreement is recognized as fulfilled by the parties.

Requirements for borrowers

A car loan from the URALSIB bank in question is available to residents of the country subject to the following conditions:

• Age not less than 21 years at the time of application and not older than 65 on the day of full repayment according to the schedule.
• At least 3 months of work in one place according to the work book as of the date of application.
• Availability of Russian citizenship, residence for at least 6 months in any region where Uralsib branches or divisions are located.

A department employee has the right to request other documents, including to verify the client’s solvency if there are reasonable doubts.

The procedure for obtaining a car loan

You can become the owner of a car through the mediation of URALSIBA by following the following sequential steps:

• Initial consultation with a credit manager, submitting an application, obtaining approval for a car loan at URALSIB.
• Selecting a car in a showroom or other accredited enterprise, receiving an invoice for payment, a copy of the title document confirming ownership of the movable property being sold.
• The required package of documents is sent to the bank.
• Payment of down payment, insurance premium.
• Sign the loan agreement at the credit department and register the collateral.
• Receipt of the selected car at the dealership, registration with the traffic police.

After this, the loan for the purchase of transport at URALSIB is considered issued. You can use the car.

Current loan terms can be found on the website.

Credit programs

CAR LOAN “STANDARD”

The “Standard” loan from Uralsib Bank allows you to purchase a new or used car. Its conditions:

• Loan amount - from 80 thousand rubles. up to 3 million rubles
• Repayment period is 1-5 years.
• CASCO is required (its cost may be included in the loan amount).
• The purchased car becomes collateral.
• It is allowed to register ownership of the car to close relatives.
• There is no need for a guarantor.

The interest rate on a car loan is influenced by factors such as the presence of life insurance (LI) and the health of the borrower or its absence, as well as the size of the down payment and repayment period.

CAR LOAN FOR A NEW LADA CAR

You can buy a car within the framework of this credit program only from an official dealer of the Lada brand.

CAR LOAN FOR A NEW FAW CAR FROM AN OFFICIAL DEALER

The lending conditions and requirements for borrowers are the same as for obtaining a “Standard” loan.

CREDIT PROGRAM "AUTOPARTNER"

As part of this program, you can buy both a new and used car, but only at Uralsib Bank partner car dealerships. Program conditions:

• Loan amount - from 100 thousand rubles. up to 3 million rubles
• The remaining conditions are similar to the conditions of other car loans issued by Uralsib Bank.

LOAN WITH GOVERNMENT SUPPORT

A car loan under the state program applies to credit products “Standard” and “Loan for a new Lada”. Its conditions:

• The loan is issued only for new cars whose price does not exceed 1,450,000 rubles.
• Repayment period - no more than 36 months.

Requirements

• passport;
• availability of registration from 6 months. in the region in which there is a representative office of the bank providing car loans;
• the borrower must be at least 21 years old (and not older than 65 years at the time of loan repayment);
• The borrower must work at the current place of work for at least 3 months.

If you purchase a new car whose price does not exceed 1 million rubles, it is enough to present a passport of a citizen of the Russian Federation and a driver’s license. Users of bank salary cards planning to buy a used car will need the same documents. The rest need to have a 2-NDFL income certificate with them along with a photocopy of the work book certified by the employer. Instead of a driver's license, borrowers have the right to present SNILS, a foreign passport or a military ID.