One of the leaders in the field of car lending in Russia is Rosbank, which cooperates with both private and corporate clients, offering whole line profitable programs. The main goal of such programs is to help you choose and buy your own car.

Rosbank's car loan programs differ not only in terms and methods of repaying credit debt, but also in their direction - purchasing a new or used car.

Conditions of a car loan with and without a down payment

More recently, Rosbank clients had the opportunity to obtain a car loan without paying down payment, however, the unstable economic situation in the country and market changes led to the cancellation of this favorable condition for clients. Now you can get a loan from Rosbank only if you pay a down payment of at least 20% of the cost of the car.

Important: A car loan for the purchase of vehicles that belong to category “C” is possible only if a down payment of at least 40% is paid.

Rosbank clients can apply for a car loan on both standard and special conditions CASCO, and without insurance at all, which allows you to save significantly when obtaining a loan. Since for registration of CASCO you often have to pay no less than the overpayment on the car loan.

Rosbank offers its corporate and private clients a number of programs with state support. The main advantage of which is a reduction in the interest rate on the loan due to subsidies. However, such programs are not without drawbacks, since within their framework there are certain conditions for purchased cars, the observance of which is mandatory.

The term of a car loan ranges from 6 to 60 months (5 years); when applying for a loan with government support, it is reduced to 36 months (3 years).

Interesting fact: To obtain a car loan, there is no need to look for additional guarantors, since the collateral in this case is the purchased car. This significantly speeds up and simplifies the loan application procedure.

Car loan programs at Rosbank for new and used cars

Just a few years ago, Rosbank clients could take out a used car loan without CASCO under the “Car loan for the purchase of a used car” program. Moreover, the maximum age of a used vehicle at the end of the loan period should not exceed twelve years for foreign-made cars and five years for domestic brands.

Today, this Rosbank program, like other programs aimed at helping to purchase used cars, is no longer valid and clients can only purchase new vehicles.

Understand existing programs The following table will help you with car loans from Rosbank:

Loan program	Insurance conditions	Currency	Sum	Term	Bid
		Rubles	300 000 — 1 150 000	6-36 months	11,33 — 11,83%
New car within the framework of the State program for conscientious customers		Rubles	300 000 — 1 150 000	6-36 months	12,33 — 12,83%
	CASCO on special terms	Rubles	300 000 — 5 000 000	6-60 months	17,00 — 18,50%
New car for conscientious customers	CASCO on standard terms	Rubles	300 000 — 5 000 000	6-60 months	18,00 — 19,50%
New car for conscientious customers	Without insurance	Rubles	300 000 — 5 000 000	6-60 months	21,50%
	CASCO on special terms	Rubles	300 000 — 1 150 000	6-36 months	8,33 — 8,83%
New car within the framework of the State program for corporate clients	CASCO on standard terms	Rubles	300 000 — 1 150 000	6-36 months	9,33 — 9,83%
	CASCO on standard terms	Rubles	300 000 — 5 000 000	6-60 months	15,00 — 16,50%
New car for corporate clients	CASCO on special terms	Rubles	300 000 — 5 000 000	6-60 months	14,00 — 15,50%
New car for corporate clients	Without insurance	Rubles	300 000 — 5 000 000	6-60 months	21,00 — 21,50%
	CASCO on standard terms	Rubles	300 000 — 1 150 000	6-36 months	11,83 — 12,33%
New car within the framework of the State program for corporate employees of BP/FUP	CASCO on special terms	Rubles	300 000 — 1 150 000	6-36 months	10,83 — 11,33%
	Without insurance	Rubles	300 000 — 5 000 000	6-60 months	21,50%
New car for corporate employees of BP/FUP	CASCO on standard terms	Rubles	300 000 — 5 000 000	6-60 months	17,50 — 19,00%
New car for corporate employees of BP/FUP	CASCO on special terms	Rubles	300 000 — 5 000 000	6-60 months	16,50 — 18,00%

It is worth noting: CASCO on special terms means that, within the framework of such a program, the conclusion of a CASCO insurance contract is necessarily accompanied by the execution of a CASCO insurance contract from accredited insurance companies in bank branches.

How to get a car loan from Rosbank

To receive a loan under the selected car loan program, you must submit an online application on the official website, indicating your name, contact number, as well as the most convenient time to call a bank employee. This will allow you to find out the bank’s preliminary decision and, in case of a negative decision, not waste your personal time preparing documents and visiting the branch.

Rosbank imposes the following requirements on its clients to obtain a car loan:

• Citizenship of the Russian Federation.
• Availability of permanent registration in the region where one of the bank’s subsections is located.

If the conversation with the bank employees was successful and the client was invited to visit the bank branch, then in this case it is necessary to collect all required package documentation, which includes:

1. Passport.
2. One of the following documents: driving license, international passport, TIN certificate, military ID, certificate of compulsory pension or health insurance.
3. Copies of passports of all persons who will be allowed to drive a vehicle.
4. Documents that confirm employment and income (with the exception of salary clients).

Bank employees may require you to provide additional documentation when applying for a car loan.

After receiving a positive decision from the bank, the client can go to the dealership and choose the car that suits him. Moreover, the client signs the purchase and sale agreement independently, paying the down payment amount to the cashier. After that, the salon employees send documents to the bank branch and receive the rest of the amount for the car.

Important: When purchasing a car within state program preferential lending You should remember that you need to choose only cars produced in 2015 from category “B”. The cost of such cars should not exceed 1,150,000 rubles.

Payment of debt on a car loan and conditions for early repayment

The next car loan payment will be debited from the current bank account client monthly on the day specified in the contract. Therefore, it is necessary to maintain an appropriate balance in the account, sufficient for the next monthly debit.

There are the following main options for making loan payments:

1. In bank branches of Rosbank.
2. At ATMs of Rosbank and its partners that have the function of receiving funds.
3. Using systems for remote payment "Rosbank Online" and "Internet Bank".
4. Using Eleksnet self-service terminals, from Beeline and MTS mobile accounts.
5. Through the online payment system “YandexMoney”.
6. By postal transfer at Russian Post offices.
7. In bank branches of other banks.
8. At special points for loan repayment " gold Crown", Beeline and others.

Bank clients can take advantage of the opportunity to repay their debts early immediately after the start of the car loan program.

You can pay off your debt early in one of two ways:

• Full: when the client is relieved of all obligations.
• Partial: the car loan program continues to operate, but its conditions change (for example, the contribution amount is reduced while maintaining the loan term, the term is changed while maintaining the payment amount). With the partial method, the main debt is paid off first.

To make an early repayment, you must write and submit a corresponding application to the bank (at least one business day before the early repayment date) and deposit funds into the loan account.

Refinancing a car loan in Rosbank

Refinancing is a procedure for obtaining more profitable loan in a bank aimed at partial or full repayment of a previously issued loan.

Rosbank offers refinancing programs for the following categories of clients:

• Salary workers receiving wages into a bank account.
• Corporate employees who are included in the preferred partner category.
• Employees of low-cost and financially stable enterprises, as well as conscientious clients.

Refinancing is carried out strictly in ruble currency, in an amount from 50,000 to 1,000,000 and for a period of 6 to 60 months. The minimum interest rate in this case is 14%.

A personal, own car has long ceased to be identified with the concept of luxury. Now this is an indispensable attribute of a comfortable life in every family, along with their own home. At the same time, it cannot be said that the incomes of Russians have increased greatly for the most part, while car prices have fallen sharply. No, the whole point is that now every citizen can take out a loan for himself in any of the many Russian banks and receive the necessary funds to buy exactly the car that he can afford and like.

The car loan programs available today are designed for people with ordinary income, with a minimum of 0% to 20% of your own savings, with some kind of stable job. In addition, if you search, for example, among the products covered in the section of this article entitled “Rosbank auto loan offers: conditions and interest rate,” then many of you will probably be able to find an acceptable option for yourself with a low interest rate and a sufficient maximum amount.

Why is a car loan a great choice?

Why deny yourself and your loved ones everything you need today, when no one guarantees the safety of your savings tomorrow, or the availability of your chosen model in the manufacturer’s plans or at the car dealership, or the price that suits you. As a result, the austerity regime does not necessarily lead to the desired result, but all this time (3-5 years) you could not only pay almost the same, or even less, amount to the bank, but also drive your own car, having fixed its cost.

You should not infringe on the interests of your loved ones; it is likely that, without reducing your standard of living, you will be able to afford a car loan today. You don’t need to miss any of today’s opportunities that you don’t pay attention to, claiming that you don’t have money right now.

The main thing, remember, you need to carefully study the car market and banking programs, choose best option from the many offered by lenders, taking into account your financial position, the presence or absence of any savings, real terms for repaying the loan. Repaying the loan should not burden you significantly; choose conditions that you can fulfill without stress, without risking losing the acquired property in the form of a car.

Rosbank car loan offers: conditions and interest rate

So, if you have made a firm and conscious decision to purchase a new car, but you do not have enough money, then you should take a closer look at the car loan programs of the said bank. It is likely that among them you will be able to find the only offer that suits you best. Let's carefully analyze each of the loan products presented below.

Bank car loan program “Purchase of a car with government support”

If you already have some idea of ​​what government assistance is for car buyers on credit, then, of course, nothing new awaits you, but nevertheless:

The interest on a car loan is from 9.4% to 12.9% (including subsidies from the state);

Keep in mind that when applying for this car loan at Rosbank, you will have to pay a certain commission to the lender on a monthly basis - from 90 to 600 rubles, depending on the terms of service.

But no one will forbid you to repay the entire debt ahead of schedule.

As for the requirements for potential borrower clients, they must be between 22 and 65 (naturally, on the date of the last payment of the debt). Information about income is provided at the request of the applicant; the presence or absence of this document may affect the interest rate. No registration is required in the region where the loan is issued. Your request will be reviewed within a couple of days.

The bank's car loan program "Purchase of a car with state support" - with only two documents

As part of this program, a car loan from Rosbank is issued on almost the same terms as above, but it also has its own nuances that cannot be ignored. So, at a car dealership you arrange the purchase of a new car no more than 3.5 tons in weight and no more than 750,000 in value and pay for everything with borrowed money in cash received under the following conditions:

Car loan terms range from six months to three years;

Car loan amounts - 60 thousand - 637, 500 thousand in Russian rubles;

Minimum own funds- from 15% or more of the car price declared at the dealership;

The interest on a car loan is from 11.9% to 14.4% (including subsidies from the state);

Work experience - from three months;

The client's insurance (personal) will reduce the rate by 1%.

At the same time, the bank decides whether to issue you a loan or not in just one hour, although other requirements for the client, as well as the need to pay commissions, remain unchanged. You also don’t have to worry about confirming your income at all; it won’t affect anything.

The bank's car loan program "Classic" - for 1 year

By taking advantage of this offer, you will be able to complete a purchase and sale transaction for a new foreign car with the involvement of bank funds, agreeing to the following loan parameters:

Car loan terms range from six months to one year;

Car loan amounts - 60 thousand - 5 million in Russian rubles (1.5 million if there is no income data);

Minimum own funds - from 40% and above the price of the car declared at the car dealership;

Interest on a car loan - from 9% to 10.5% (the first rate upon confirmation of income, the second - without confirmation);

Work experience - from three months;

You also need to keep in mind that Rosbank auto loan conditions in this case are unambiguous - the client will have to pay a one-time loan fee of 6 thousand rubles, and then pay another monthly amount ranging from 90 to 600 rubles (depending on the selected service package).

This product is offered as a promotional product, that is, under such conditions you have a chance to purchase a car only until December 31, 2013. It is valid for the purchase of cars of categories C and B.

Moreover, if you have chosen a car of the first category for yourself, then you must present your license with the appropriate mark (it is possible that such rights do not belong to the borrower, but to his close relatives).

If the client plans to receive an amount of more than 600 thousand rubles, then does not want to confirm the information with the salary or does it in a different form (not 2 personal income tax), then it is necessary to bring the lender a certificate of employment of the borrower.

The bank's car loan program "Classic" - for a new car

A new foreign or, conversely, domestically assembled car can be purchased on more attractive terms in terms of the amount of the contribution. In other words, this is a Rosbank car loan without a down payment.

Car loan amounts - 60 thousand - 5 million in Russian rubles (3.5 million if the contribution is less than 10%);

Car loan interest - from 14.9% to 18.9%;

Work experience - from three months;

Client insurance (personal) will reduce the rate by 1.5%.

If the client can contribute at least 10% to the bank with his own funds, then the lender allows insurance costs to be included in the final loan amount. Also, in this way, you can only purchase non-commercial vehicles of categories C and B, while for the first type you will be given a loan only if you contribute more than 40% with your own savings and present your license with the appropriate mark.

The need to pay a monthly additional commission also remains. In addition, if your personal funds do not reach 10% or you want to receive at least 1.5 million Russian rubles, then you must provide information about your income in the form of 2NDFL (if this is not possible, then confirm the data in another way and supported by proof of employment).

It is impossible not to mention that the conditions for a car loan in Rosbank in this case allow the issuance of a loan in foreign currency - US dollars and euros.

Car loan terms range from six months to five years;

Car loan amounts - 2 thousand - 167 thousand in US dollars (117 thousand if the contribution is less than 10%);

Car loan amounts - 1.5 thousand - 125 thousand in euros (88 thousand if the contribution is less than 10%);

Minimum own funds - from 0% and above the price of the car declared at the car dealership;

The interest on a car loan is from 11.9% to 15.9% for both currencies;

The client's insurance (personal) will reduce the rate by 1%.

Bank car loan program “For a used car”

Passenger vehicles of foreign or domestic production can be purchased from the dealership using Rosbank funds if you agree with the terms of such a loan:

Car loan terms range from six months to five years;

Car loan interest - from 16.4% to 17.9%;

A similar scheme is relevant in the case of purchasing a foreign-assembled category B car with a mileage of less than 200 thousand kilometers and an age of less than 12 years, or a domestic assembly with a mileage of up to 100 thousand kilometers and an age of up to 5 years.

A decision on your application is made within one day; the requirements for the client and information about the necessary documents are similar to those indicated above in other programs.

In addition, the loan is willingly provided by the lender and in foreign currency with the following characteristics:

Car loan terms range from six months to five years;

Minimum own funds - from 20% or more of the car price declared at the dealership;

The interest on a car loan is from 13.4% to 14.9% for both currencies;

The client's insurance (personal) will reduce the rate by 1%.

Bank car loan program “For a used car” without a CASCO agreement

If you do not want to spend money on insurance, the client has the right, by contacting Rosbank, to take out a loan for a used car without the need compulsory insurance according to the CASCO system. The conditions regarding the car's age and mileage do not change, but the rest of the picture is as follows:

Car loan terms range from six months to five years;

Car loan amounts - 60 thousand - 3 million Russian rubles;

Minimum own funds - from 20% or more of the car price declared at the dealership;

Car loan interest - from 22.4% to 23.9%;

Client insurance (personal) will reduce the rate by 1%;

Additional commission - from 90 to 600 rubles on a monthly basis.

For US dollars and euros:

Car loan terms range from six months to five years;

Car loan amounts - 2 thousand - 100 thousand in US dollars;

Car loan amounts - 2 thousand - 75 thousand in euros;

Minimum own funds - from 20% or more of the car price declared at the dealership;

The interest on a car loan is from 19.4% to 20.9% for both currencies;

The client's insurance (personal) will reduce the rate by 1%.

Bank car loan program “Buy a car with two documents in your pocket”

Rosbank car lending involves attracting various clients, which is why a loan was developed that was provided to citizens on preferential (simplified) terms. As a result, the borrower just needs to bring with him a passport and any other document from the list approved by the lender, fill out a form and receive a response from the bank within an hour.

Car loan terms range from six months to five years;

Car loan amounts - 60 thousand - 1 million Russian rubles;

Minimum own funds - from 0% and above the price of the car declared at the car dealership;

Car loan interest - from 17.4% to 21.9%;

Client insurance (personal) will reduce the rate by 1%;

Additional commission - from 90 to 600 rubles on a monthly basis.

If you contribute at least 10% of the price of the car with your own money, then Rosbank may include insurance costs in the principal amount of the loan. At the same time, the conclusion of personal insurance and CASCO contracts is carried out solely at the request of the client.

Bank car loan program “Refinancing”

There is nothing strange in the fact that Rosbank has developed a loan refinancing program for car purchases for car enthusiasts. Customers are never superfluous, so if there is an opportunity to lure a borrower who is dissatisfied with his car loan terms from another bank, then why not.

In this case, refinancing a car loan at Rosbank is carried out according to the following scheme:

Car loan terms range from six months to five years;

Car loan amounts - 60 thousand - 1 million Russian rubles (but not more than 70% of the cost of the vehicle established by the assessment);

Minimum own funds - from 0% and above the price of the car declared at the car dealership;

Car loan interest - from 17.5% to 18.5%;

Client insurance (personal) will reduce the rate by 1.5%;

Additional commission - from 90 to 600 rubles on a monthly basis.

At the same time, the age of the refinanced car should not exceed the threshold of 12 years for foreign cars and 5 years for domestic “iron horses” by the time the last loan installment is paid.

Well, we have carefully examined all the programs that Rosbank currently offers to its motorist clients.

All car loans are simple, understandable, convenient and accessible to any Russian citizen who has the right to drive a vehicle.

Having your own car, in the end, has ceased to be an unattainable, pipe dream, but has become a reality for many of our fellow citizens. Now in every family, thanks to development bank lending, there may be not one, not two, but even three cars, which few people can afford at the same time. After all, as you understand, in order to approve a loan, it is not at all necessary to have on hand the entire amount for the purchase of a car in cash, otherwise why would you need a loan? Therefore, if you have, for example, 10% for one car and 10% for the second, and making monthly payments in full and without delays for two vehicles at once is not a problem for you, then you will be approved for two loans.

And if you don’t have the opportunity to pay the bank a debt for a new car, then take a used one or become a member presidential program assistance to borrowers applying for car loans for Russian cars.

Banks today offer a wide variety of convenient and interesting programs for every taste, the main thing is, don’t lose your head and don’t forget that you must have funds for contributions every month, and for gasoline, and for car maintenance and insurance, if necessary. the creditor demands. And at the same time, your standard of living should not deteriorate, and you and your loved ones should not suffer from such expenses.

If you are not at all sure about this, then check again, recalculate and revise all your plans. It might make sense to choose a car of a lower class, or a used one instead of a new one, or maybe it’s worth saving up a little more in order to make a larger contribution and thereby lower the interest rate and reduce monthly payment. Based only on your capabilities and your interests, you shouldn’t buy a car to impress someone, the surprise will last about ten minutes, and you will have to pay off an unaffordable loan for several years.

Purchasing a personal vehicle is the dream of almost every person. But how to make it a reality? Take profitable car loan. Banking market offers many options. Different interest rates, terms of registration and repayment, terms - it is necessary to study all the characteristics of popular products. Rosbank offers several interesting loan options for buying a car. What are the features of the loan, is it worth taking and will you have to pay a down payment? You will find all the answers in our review.

Interest rate on car loan

The bank offers clients the purchase of a car of both domestic and foreign production. Depending on the type of loan program, the interest rate varies between 17% - 21% per annum. A borrower with a good payment history in the past can count on maximum amount loans in the amount of 5,000,000 rubles. To do this, you must meet the bank's criteria:

• Only citizens of Russia can receive a loan (throughout the entire territory of the Federation, subject to the presence of a bank office).
• At the time of submitting the application, the client must be 22 years of age, and at the time of full repayment debt - be no older than 65 years.
• Permanent registration of the client at the place where the loan was issued is not a prerequisite.

Please note that the interest rate is determined by the bank, calculated individually for each client. The coefficient will depend on the brand of the car and the availability of CASCO insurance.

Do I need to confirm income - conditions for applying for a loan

Rosbank issues car loans only subject to official employment and the provision of relevant documents showing the borrower’s “constant profit”. In this case, the person must be registered with the enterprise and work continuously on the day of filing the application for at least 3 months. What documents will the bank require:

• Passport.
• You can choose to provide: a valid driver's license, tax identification number, military ID, pension insurance certificate.
• If the borrower is of military age, you need to confirm the deferment from service (certificate in the prescribed form from the military registration and enlistment office).

When issuing a car loan, the amount of which exceeds RUB 500,000. The borrower additionally submits a copy of the work record book for verification to the bank (certified by the head of the enterprise), and can provide a marriage certificate.

How is the loan repaid?

After receiving the loan, the bank employee calculates the amount of the monthly required payment. The funds are returned using the annuity system - equal payments for the entire period. The financial structure does not impose penalties in case of early repayment of the loan.

As for insurance, this is a mandatory condition for the loan. This will include both issuing a CASCO policy and “minimizing risks” for the bank due to the client’s health and life.

If a person is not ready for personal insurance, the interest rate may increase from 1.5 to 2% additionally.

Today the bank offers several loans.

Car loan - new car

This loan can only be issued for the purchase of a car from a showroom. You can choose both domestic and foreign brands. Type of vehicle - passenger vehicles for personal use or for commercial purposes. The client can independently choose the duration of the return credit funds, it will also depend on the loan amount. The minimum period is six months, the maximum is 5 years.

The loan is issued only in Russian rubles. Conditions:

• Availability of a mandatory down payment - at least 20% of the declared cost.
• The loan is targeted and cannot be used for other purchases.
• Issue - transfer of money from the bank to the recipient (car dealership).
• The interest rate on a car loan is from 17 to 19.5% annually. The coefficient will depend on the conditions for issuing a CASCO policy, as well as personal life and health insurance of the borrower.

There is no fee for submitting an application for a loan, considering a candidate, as well as for servicing clients and issuing funds. A person can repay the debt in full at any time, even before the end of the contract - no penalties are imposed.

Citizens of the Russian Federation who are over 22 years old can become candidates for a car loan. At the same time, the bank does not require mandatory registration at a permanent place of residence. As for income, they need to be confirmed:

• The bank may request a certificate from the employer in its own sample.
• Form 2-NDFL.

The client must be officially employed and work continuously in the organization for at least 3 months.

The bank will consider the application from 1 hour to two working days. Undeniable advantages of the car loan program:

• An impressive loan amount, other banks issue less.
• Several ways to confirm client income.
• It is possible to include the insurance premium in the loan amount.

Loan for a new car - without mandatory CASCO registration

This banking product is different higher rate, which is due to the lack of obligation to take out a policy. Feature - the client must confirm permanent registration in the region where the loan is issued.

Citizens of Russia (from 22 to 65 years old) who can prove their income can apply for a loan. Car loans are provided exclusively for new vehicles that we offer official dealers salons. This applies to both domestic and foreign car brands. It is allowed to purchase a car on credit for personal use and operation for commercial purposes of the borrower. Main characteristics:

• Interest rate - from 21.5% every year.
• The first installment is from 20% of the total loan amount.
• The currency is the national ruble.
• The period for providing funds for use is 5 years maximum and 6 months minimum.
• Limit - from RUB 300,000. up to 5,000,000 rub.

The loan can be repaid ahead of schedule without paying any penalties. There is also no commission - a one-time fee for issuing, processing the application and servicing the client.

The borrower undertakes to confirm his official income from the place of work where he worked continuously for more than 3 months on the day the loan was issued. You need to provide:

• Form 2-NDFL.
• Certificate of income according to the developed bank model.

Special loan conditions include prompt consideration of the application - from 60 minutes to 2 days. The main advantages are that there is no need to apply for CASCO insurance, and the loan amount can reach RUB 5,000,000.

If you need to purchase vehicle Category “C” - an initial payment of 40% of the total loan amount is provided. The downside is a very high interest rate for using the funds provided.

Programs for lending to borrowers for the purchase of cars from Rosbank - profitable solution, if you need to immediately receive an impressive amount.

Many people suffer from the desire or need to buy a car. modern world. But our desires are not always supported by financial opportunities, especially when it comes to the idea of ​​buying a fairly expensive vehicle.

To neutralize such negative situations and provide a person with a real opportunity to buy a car, Rosbank specialists have developed a unique lending scheme. The purpose of the loan is to purchase a car. The lending conditions are the most optimal: repayment period, nominal interest rate, simplicity and speed of registration - all the features of car loans are offered solely with the idea of ​​making the purchase of a car easily accessible to any citizen of the Russian Federation.

Without any significant difference where a person lives (urban settlement, village or metropolis in the vast expanses of the Russian Federation), without taking into account his level of income, without collateral or guarantee! Only with a car loan from Rosbank can your dream of becoming a car owner quickly come true.

Experts have prepared more detailed information about the procedure for obtaining a car loan from Rosbank for you. banking, specializing in lending to interested parties. You can easily and absolutely correctly independently draw an analytical conclusion about the feasibility and profitability of of this loan after reading the information provided. With 100% probability, your next step will be a visit to a Rosbank branch to apply for a car loan.

General conditions for car loans at Rosbank

OJSC Rosbank is a credit and financial institution that has all the rights to provide the maximum possible list banking services. The number of Rosbank clients as of 2016 totals more than 3.5 million Russian citizens and more than 100 thousand - these are client companies, organizations and institutions of all forms of ownership. Rosbank has been active for almost 25 years. During this entire time interval, the key ideas of Rosbank’s work as a leading financial institution Russia, proclaim:

• High quality of customer service according to international standards;
• Creating extremely favorable conditions for the growth and development of all types of business activities;
• Ensuring the comfort of life of ordinary citizens of the Russian Federation.

The bank boldly solves these problems through the tireless implementation of innovative solutions in its work, relying on the experience and practice of the world's leading representatives of the banking industry.

OJSC Rosbank has a list of general conditions for lending to potential clients. To such universally binding banking rules include:

• Citizenship of the Russian Federation;
• Official place of employment.

These are mandatory conditions for obtaining any type of loan. In parallel with these basic conditions, special software products are being developed aimed at transforming loans from Rosbank into even more attractive forms for applicants. For example, new forms of car loans will easily allow people with special requirements or living/working conditions to purchase a car. More information about each such lending program will be provided below.

It is worth emphasizing that Rosbank OJSC operates on the principles of mutually beneficial trust of the bank in its clients and clients in the bank. This position is confirmed by the fact that even in general conditions There are no lending requirements that many other banks use to “insure” their loans:

• Requirements for minimum temporary periods of employment and residence;
• A strictly defined mandatory minimum wage;
• The need to back up the loan with property collateral or the signature of a guarantor.

OJSC Rosbank is not afraid to issue significant financial sums in rubles and other currencies to its clients, and sets a sufficient repayment period for the issued loan.

Rosbank program “Purchase of a car + state support”

Actually, the very fact that Rosbank OJSC is included in the list of those few banking institutions Russian Federation who can take advantage of government support for lending already instills confidence in the reliability of this bank.

The conditions of the government-supported lending program are as follows:

• A car loan is issued for up to 3 years in the amount of 60 thousand rubles. up to more than 500 thousand rubles.
• The interest rate does not exceed 12.9%;
• The age of the person being credited is from 22 to 65 years;
• Official employment experience - from 3 months.

Such car loan items (mandatory for a number of other banks in Russia), such as car insurance and personal insurance life/health, a certificate in form 2NDFL about income received for a certain period of time, registration at the place of residence of the borrower who applied - these rules for obtaining a car loan from Rosbank are not essential. In other words, if you provide, for example, a certificate of income in form 2NDFL with earnings figures for the last six months, then this document will be attached to the loan application and they will consider reducing the interest rate specifically for you based on the provided certificate. But, if there is no such income certificate, then no one will refuse you a car loan anyway.

The presence of life and health insurance for the borrower is considered in a similar way: if there is insurance, then the total interest rate on the car loan automatically drops by 1%.

There is another program that provides the opportunity, using just two documents, to purchase a car on credit from Rosbank, taking into account government support:

• Passport of a citizen of the Russian Federation;
• Work record with at least 3 months of work experience.

The conditions for car loans under such a program line are similar to those described above, but:

• The interest rate on the loan was increased to 14.4%;
• Having your own funds in the amount of at least 15% of the cost of the car.

The speed of consideration of your application to the bank for the purchase of a car is extremely prompt: in just a few hours, Rosbank will give an answer about its consent (or reasonable disagreement) to finance the purchase of your car.

When a person sets out to buy a car, he looks through many offers, namely:

• Buying a new car with a warranty at a car dealership;
• Buying a used car at a car dealership;
• Buying a used car second hand.

Is it possible to guarantee that Rosbank will provide a loan for any of these options for purchasing a car? And what conditions may change in obtaining a loan?

Let's consider all the possibilities of buying a car in order:

You can buy a new or used car in the showroom. The price for them, of course, varies, but all documents for the purchase of this car will be issued to the buyer at the dealership and such cars are perfectly suitable for lending. In other words, Rosbank can transfer the money for the purchase of your car (new or used) to the car dealership’s account immediately and in full, and you, as a buyer, now become a borrower of these funds from the bank and pay this amount under the terms of the loan agreement.

Buying a car second-hand means slightly different conditions. Documentary re-registration of the car is carried out in a notary office, but before going to the notary, the parties (buyer and seller) can simply draw up a purchase and sale agreement, certified by their signatures (+ signatures of 2 witnesses), stating that “...today the seller received his full name from buyer's full name amount in the amount of ..... rub. for buying a car." Such an agreement in fact has no legal force, but if the parties trust each other (for example, close relatives), then the transfer of money is possible precisely on the basis of this document. Often, the parties do not agree that the amount can be divided into several parts, i.e. All money is paid by the buyer immediately in full. But, as the intended purpose when applying for cash loan in Rosbank, the reason “buying a car” can be indicated. Such a loan will no longer be considered a car loan, but will simply be called a non-targeted financial loan.

The repayment terms here are slightly different, because... The bank does not have a guarantee that you will spend the issued funds on the purchase of a car, and not on unexpected occasions:

• The loan term is up to 5 years, and the amount is up to 3 million rubles.
• Interest rate - 16.4 - 17.9%;
• Minimum amount own funds - 20% of the declared cost of the car;
• Personal life insurance reduces your loan rate by 1%.

It is necessary to pay an additional monthly special commission (up to 600 rubles) to the amount of the monthly loan payment.

A used car must also meet a special gradation:

• For domestic cars - up to 5 years old, and mileage - no more than 100 thousand km;
• For foreign-made cars - up to 12 years old, and mileage - no more than 200 thousand km.

Classification of potential clients of Rosbank

It should be noted that when requesting a car loan from Rosbank, you can take advantage of preferential lending conditions if you are:

• A Rosbank client with a good credit history. The more time you are considered a client of Rosbank, the more favorable conditions they can provide you.
• You receive your salary on a Rosbank card, i.e. The organization (enterprise) where you officially work pays wages through Rosbank accounts.
• You are an employee of Rosbank's partner bank.

In the event that you do not belong to any of the specified categories, but have applied to Rosbank with an application for a car loan for the first time, standard conditions lending.

If you are a representative of one of the three categories described above, then you can get a car loan according to the following preferential rules:

• A minimum of documents to obtain a loan (often only with a Russian passport). This is justified by the fact that all the necessary information about you, as a client of Rosbank, is already in this bank, i.e. All that remains is to confirm the identity of the applicant.
• A large amount for a car loan, since Rosbank’s employer-partner is now the guarantor of your solvency.
• Credit overdraft available, i.e. opens credit line with the requested amount for the purchase of a car, but without clearly indicated terms for its repayment. You can use this money indefinitely by making monthly payments to credit card, and then withdrawing the available amount if necessary.

You can buy a new car in the showroom (domestic or foreign assembly) using a special credit program Rosbank "Classical". The features of this type of car loan are as follows:

• Loan repayment period - up to 5 years;
• The amount of car loans has been increased to 5 million rubles. upon payment of a down payment of 10% of the cost of the car, and the insurance amount is included in the amount of the final loan without increasing it. If the buyer cannot pay such a contribution, then the amount of the available car loan is still increased to 3.5 million rubles. + insurance added to the cost of the car;
• The interest rate is not higher than 18.9%, but additional registration by the buyer of personal life/health insurance reduces the rate by 1.5%.

The classic car loan program is possible when purchasing a car of category B or C, and the buyer must provide a driver’s license to drive the car being purchased. Those. You will not be allowed to buy a car and take out a car loan for yourself, and immediately transfer ownership of the car to another person. How you will dispose of the loaned car later (after paying off the loan) is your question, but at the time of applying for the loan, it is you who must act as the full owner and user of this car.

Other car loan programs from Rosbank

Since the main strategy of Rosbank is an innovative approach to servicing clients in order to create for them better and more profitable conditions for using the bank’s services, it is not surprising that the arsenal of car loan programs is quite extensive.

So, only in Rosbank there is a call: “Buy a car with two documents in your pocket”! All you need is a Russian passport and one more document (confirming the applicant’s identity). You can easily submit an application for a car loan under this program via the Internet by filling out a special application form, and receive a response within 1 hour.

The differences in the terms of car loans under this program are as follows:

• The loan amount cannot exceed 1 million rubles.
• The interest rate is within the range of 17.4 - 21.9%.

The loan term, the ability to reduce the interest rate by additionally obtaining personal insurance and the amount of additional commission payments have not been changed. But no one will even ask you about the availability of your own funds when taking out a car loan under this program.

One cannot help but remember special program Rosbank "Refinancing". The main idea of ​​this banking offer is to help a person who bought a car on a loan from another bank, but now, for various reasons, cannot pay off this car loan on original conditions. Rosbank determines the cost of the car at the time of this person’s application + the amount of outstanding debt on a loan from another bank for the purchase of this car and develops special, most favorable conditions that will allow you to fully (as quickly and easily as possible) pay for the purchase of the car. Thus, the buyer becomes a client of Rosbank and quickly solves all his financial problems.

Expert assessment of the above information about advantageous offers Rosbank for car loans to individuals and legal entities next:

• The conditions for car loans at Rosbank take into account many factors of a person’s socio-economic status and offer the optimal solution to buy a car without financial difficulties;
• There is a sufficient quantity various programs car loans in Rosbank, which means anyone who applies will be able to choose the most profitable option for themselves;
• Interest rates are not high, and car loan repayment periods are long;
• State assistance in applying for car loan programs is designed for people who especially need a car, but who, due to special financial reasons, could not afford to buy a car.

The conclusion is clear: more favorable loan for the purchase of a car, it’s difficult to find a line of credit in Rosbank!

We invite you to listen to expert advice about car loans at Rosbank in this video:

Everyone who dreams of taking out a car loan begins, sooner or later, to evaluate all the possible programs of a particular bank that would best suit the client’s capabilities. But these possibilities are not always realized.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

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For example, in Sberbank you will not be able to get money to buy a car under the special “Car Loan” program, as was the case in 2018, because in 2018 these issues are resolved by their partners, for example, “Cetelem Bank”.

Yes, and it is not possible to get a car loan without making a down payment in all banks, but in Rosbank it is quite realistic and feasible.

Existing programs in the bank without a down payment

Rosbank has recently developed a very competitive network of its car loan programs. For those who are going to take out the interest rates here are quite high.

This is understandable, because the bank also takes risks by trusting you sums of money without real confirmation of your solvency, which in fact is the first obligatory payment when signing a loan agreement.

Let's consider options for car loan programs in Rosbank, where the down payment is optional:

	Vehicle status	Credit limit, rub.	Loan terms
"Autoexpress"	New passenger car: imported, domestic	60 thousand – 1 million	6 months - 5 years
"Autostatus"	New passenger car: imported, domestic, the cost of which exceeds 300 thousand.	60 thousand – 5 million	From six months – 5 years
“Classic” without CASCO		60 thousand – 5 million	Six months – 5 years
"Classic" with CASCO	New passenger foreign or domestic car	60 thousand – 5 million	Six months – 5 years
	Foreign or domestic, new passenger car	60 thousand – 5 million	6 months – 5 years
	New foreign or domestic passenger car	60 thousand – 5 million	6 months - 5 years
	New car of foreign or domestic production	60 thousand – 5 million	6 months - 5 years
	New car: foreign or domestic	60 thousand – 5 million	6 months - 5 years
	New or used car (foreign or domestic)	60 thousand – 1 million	Six months – 5 years
	Used or new foreign or domestic car	60 thousand – 1 million	6 months – 5 years

Table continuation:

Name of car loan program	Interest rates on car loans and commissions, %	Age of the client being financed	Confirmation of income and ability to work
"Autoexpress"	16%-20%, one-time commission - 6000	21-65 years old	Certificate of income in form 2-NDFL
"Autostatus"	13.5% -18.5%, one-time commission - 6000	21-65 years for men and 21-60 years for women	Certificate of income in form 2-NDFL and other alternative documents
“Classic” without CASCO	27,8%-29,3%	22-65 for men and women
"Classic" with CASCO	23,8%-25,3%	22-65 for men and women	Certificates in the following forms: 2-NDFL, 3-NDFL, 4-NDFL, from the employer, by banking form, work experience in the last place - at least 3 months.
Car loan for a new car without CASCO	28,8%-30,3%	22-65 years old	Certificates in the following forms: 2-NDFL, 3-NDFL, 4-NDFL, from the employer, according to a bank form, work experience in the last place - at least 3 months.
Car loan for a new car without CASCO, as well as without life and health insurance	27,8%-29,3%	From 22 to 65 years old	Certificates in the following forms: 2-NDFL, 3-NDFL, 4-NDFL, from the employer, according to a bank form, work experience in the last place - at least 3 months.
Car loan for a new car with CASCO	22,8%-24,3%	22-65	Certificates in the following forms: 2-NDFL, 3-NDFL, 4-NDFL, from the employer, according to a bank form, work experience in the last place - at least 3 months.
Car loan for a new car with CASCO and life and health insurance	21,8%-23,3%	Men and women 22-65 years old	Certificates in the following forms: 2-NDFL, 3-NDFL, 4-NDFL, from the employer, according to a bank form, work experience in the last place - at least 3 months.
Car loan with two documents	26,5%-29%	22-65 years old
Car loans using two documents without a CASCO policy	32,5%-35%	From 22 to 65 years old	No income certificates required, provision of work book with confirmation of work experience and passport

Judging by the latest data regarding lending conditions at Rosbank, in the process of purchasing a new or used foreign or domestic car, the presence or absence of insurance policy for a car, as well as life and health insurance for the driver and passengers.

If there are policies, then the interest rate on the loan will decrease significantly, but if there is no insurance, the bank does not want to take risks, and therefore insures itself by increasing the annual interest rate on the loan.

What are the requirements for the client and the necessary documents?

If you have already decided that you will not make a down payment and at the same time strongly want to take out a loan from Rosbank to buy a car, you must clearly understand that the bank will impose more stringent requirements on you than on those clients who are ready make the initial loan amount.

The stringency of the requirements often concerns the collection of a certain package of documents, more voluminous than advertised, as well as other conditions:

1. If you do not make the first mandatory payment when signing the contract, you should provide the bank with all possible certificates and documents confirming the stability of your income, as well as your ability to work. Most often, these may be the following documents that the bank may require and the conditions under which the bank will agree to cooperate with you:
   • , if asked, then you need to present it;
   • a copy of the work book, certified by your signature on each page;
   • a document about your higher education and high qualifications, which guarantees that if you suddenly lose your job, you will be able to find a new one;
   • confirmation about wages from employers;
   • documents about your additional sources of income;
   • any documentary evidence of the spouse’s income.
2. The minimum work experience must be 3 months, but only at the last job.
3. Client's passport. You must be a citizen of the Russian Federation; your passport must contain permanent or temporary registration in Russia. Some banks are sensitive to the remoteness of your registration, and therefore require that your location be registered in the region where the bank is located.
4. The required client age usually ranges from 22 years to 65 for men or up to 60 years for women for some loan programs. This implies that last payment Loan repayment must be made before the age of 65 for men or 60 for women (according to rare car loan programs).
5. A driver's license is an essential attribute of any driver buying a car.
6. Mandatory presence of positive credit history in Rosbank or any other, if you have previously taken out loans or loans. Be careful on this point.
   

   Lack of credit history and even early repayments can negatively affect Rosbank’s positive decision to issue you a loan. In addition, the bank can provide clients with positive story benefits in the form of a reduction in the annual interest rate by 2%.

7. Some banks may require you to provide additional documents for real estate that you own; in case of your insolvency, this real estate can become collateral to repay the loan.
8. All documents for the car must be in perfect order:
   • technical certificate;
   • documents for any additional equipment installed in the car - for example, a radio antenna or alarm system;
   • car purchase and sale agreement or preliminary agreement from a car dealership;
   • a receipt, check or invoice for payment for the car, which would confirm its actual value.
9. CASCO insurance will significantly reduce the interest rates charged on your loan, so having it is desirable. The same can be said about life and health insurance for the driver and passengers. Banks also pay attention to this type of insurance.
10. If the borrower is married, the spouse's written consent to apply for a car loan, notarized, may be required.
11. If the loan is issued with a guarantee, then all the required data and documents of the guarantors are needed.
12. In addition, the bank may require additional documents - criminal record certificates, divorce certificate, military ID and other documents.

Any client who intends to take the first mandatory payment without paying loan agreement, must understand that the total loan amount will increase significantly.

Therefore, you should not delude yourself and it is best to weigh all your options, whether you can pay this or that amount on your loan obligations every month. To do this, it is better to first consult with a banking specialist.

Where to start designing

Most often, the client’s route for registration at Rosbank is as follows:

• on the bank’s website you need to approximately calculate your expected loan for the purchase of a car using an electronic calculator;
• after you have calculated an approximate loan for a particular loan program, then you can contact online consultants to ask any questions you may have;
• if there are no questions, then you can fill out an application - this service is completely free, does not oblige you to anything, moreover, you can simultaneously fill out such applications in several banks;
• the same thing, in principle, you can do in reality by coming to any branch of Rosbank, consulting with any banking specialist;
• after the application, the bank will call you and make an appointment for you to submit documents, review them by the bank and make a final verdict on whether to grant or deny you a loan;
• when choosing which one may have changed, carefully study and discuss with the lender all the issues that concern you related to the calculation of interest, loan amount, terms, penalty amounts, schedule for making mandatory payments, etc.;
• Before calculating the cost of a future loan from Rosbank, you should, in theory, choose a car for yourself at a car dealership, and therefore you should know whether it has CASCO insurance, how old it is, if it is a used car and other nuances that may affect for the total loan amount.

In addition to receiving cash or transfer credit amount to the car dealership account, Rosbank also offers to issue a credit card, which can also be used for a car loan.

Drawing up and concluding a contract

When drawing up an agreement for a transaction with a bank, if you are going to purchase a car under a program that does not provide for making a down payment, you must take into account all the important points that will protect you as much as possible and provide guarantees of reliable cooperation with you to the bank.

The contract form must contain the following points and text content:

• data of the creditor bank (Creditor - Bank - Rosbank), its details, lending license and other documentation confirming the legitimacy of its existence and conduct of its activities in a specific territory;
• personal passport data of the borrower (Borrower – full name of the client who is going to take a loan from the Bank), which must be reliable and entered without errors, information about permanent and temporary registration and other personal information;
• the subject of the agreement, which is the amount of the loan that the Borrower actually intends to borrow from the Bank and for what period;
• terms of the loan agreement - indicate interest, no down payment, existing bank commissions, information about opening a client account with Rosbank, as well as a monthly repayment schedule for credit debts in front of the bank;
• obligations of the parties to fulfill the terms of the loan agreement, including the calculation of penalties for late payments, as well as the conditions for early repayment of obligatory payments;
• features of the contract, which may reflect one or another predicted controversial situation, as well as ways to resolve it;
• force majeure;
• signatures of the parties indicating by the Bank all the necessary details and the Borrower’s full decoding of his last name, first name and patronymic, in addition to the signature.

Is it possible to get this car loan without CASCO?

You can go to any bank, but not everywhere they will give you consent to a car loan without CASCO insurance. But in Rosbank this is quite possible.

True, they will charge you a decent amount of interest, but such an opportunity exists under the programs that they provide to the population.

This is motivated by the fact that an uninsured car, if involved in an accident, will thereby bring losses not only to its owner, but also to the bank, because most often the car is pledged under a loan agreement as a bank collateral.

Therefore, Rosbank takes additional interest, so to speak, “for the absence” of insurance.

Benefits of being a Rosbank client

When planning to take out a car loan from Rosbank, you can take advantage of the following advantages that the bank provides to its clients:

• quick decision-making on an application for a car loan - within a maximum of 2 days or one day;
• the opportunity to choose your car among domestic or foreign brands, with or without mileage;
• no restrictions on early repayment loan payments specified in the agreement schedule;
• it is possible to pay not only with differentiated, but also with annuity (equal shares) payments;
• You can choose the size of the monthly payment to repay the loan yourself;
• optimal car loan terms;
• you can get a car loan without presenting an insurance contract or CASCO policy, although with an increase interest rates, however, for some clients this plus plays a big role;
• providing benefits for corporate clients or those borrowers who have an impeccable credit history;
• even with a voluminous package of documents, a client who does not want to pay a down payment has every chance of getting a loan from Rosbank.

Whatever your capabilities, your desire to purchase a car at favorable conditions at Rosbank - this is not a dream, but a reality.

In addition, if you have not yet managed to save a certain amount of money to purchase a personal car, but you need to buy it urgently, then Rosbank will allow you to choose a program under which you do not need to make a mandatory first payment, which will significantly “untie” your hands.