Car loan at Sovcombank. Sovcombank car loans Car loan from Sovcombank without down payment

When deciding to take out a car loan from Sovcombank, you will appreciate a number of advantages of the banking product - convenience, efficiency and simplicity of drawing up an agreement, acceptable interest rates, a guarantee of the best conditions, loyal requirements for borrowers. Since 2008, this financial and credit institution has been among the top 50 market leaders in the field of consumer lending. The lender managed to achieve such positions thanks to its focus on the needs of borrowers and a competent pricing policy.

This article aims to answer the following questions:

  • how to take advantage of the bank's loan offer;
  • what are the tariffs and conditions for car loans in 2017;
  • what is important to consider when concluding an agreement with a lender and choosing a suitable product;
  • What do borrowers say about Sovcombank?

Loan to buy a car - maximum benefit and comfort

When applying for a car loan at Sovcombank, borrowers are guaranteed the following benefits:

  • down payment from 0%;
  • low interest rates;
  • optimal loan term (from six months to several years);
  • minimum requirements for the package of documents (under the express lending program, only a passport is required);
  • instant decision on issuing a loan;
  • a wide product line that allows you to purchase a car of any make and year.

Conditions for issuing a car loan at Sovcombank

Sovcombank offers borrowers 3 car loan programs to choose from:

  • to buy a car in a showroom;
  • "Autocredit";
  • "Auto loan From hand to hand."

Program “Loan for the purchase of a car in official car dealerships”

You can purchase a car at the following dealerships:

  • Lada Finance;
  • Hyundai –H-Promise;
  • UAZ-credit;
  • Subaru Finance;
  • GM Avtovaz;
  • Chery Finance;
  • Lifan Finance;
  • Ravon Finance;
  • AutoStyle-State program.

For this product, the lender offers 3 standard lending programs.

For new cars of domestic and foreign production

There are 3 car loan programs available in this area:

An agreement with a lender can be concluded for a period of six months to 6 years. To apply for a loan under the express loan program, you only need a passport. For the other 2 offers, you must provide a second document of your choice. Citizens between the ages of 20 and 85 who are officially employed and have been permanently registered for at least 4 months and who live in the region where the bank’s branches are present have the right to take advantage of this offer.

For used vehicles of any brand

To apply for a loan, you will need a passport and a military ID (for those liable for military service).

For commercial vehicles

This program applies to trucks, buses, minivans of categories B, C, D. The weight of the vehicle is not limited.

For this product, the lender offers the following conditions:

  • rate from 14.4%;
  • the available amount is limited to 4.9 million rubles;
  • the contract can be concluded for a period of up to 6 years;
  • down payment amount - from 20%;
  • approval of the application within 1 hour;
  • The offer is available only for new vehicles.

Autocredit program

This product is designed for those borrowers who want to purchase movable property with earthly funds. According to the agreement, the car acts as collateral. You can purchase vehicles at car dealerships that are partners of the bank. Tariff rates, amount and terms of debt repayment are fixed in individual conditions.

The following conditions apply to this offer:

  1. Loan amount - from 100 thousand to 2 million rubles;
  2. Interest rate from 14.9 to 30% (the rate depends on the amount of the down payment paid);
  3. In the absence of a certificate of income, the tariff increases by 1%.

Program “AUTO CREDIT From hand to hand”

This program is designed for purchasing cars from individuals. The acquired movable property will act as collateral under the agreement.

Citizens of the Russian Federation aged 22 to 85 years who have registration and an official place of work for at least 4 months, a work or home landline telephone, have the right to take advantage of this offer. To conclude an agreement, you will need a passport, a second document of your choice, an original certificate confirming your income level, a military ID (for males under the age of 27).

You will need to provide a registration certificate, title, and photographs for the vehicle. The seller must present a passport and a second document. When attracting guarantors, you will need to provide their passport, an additional document and a certificate confirming solvency.

The car loan agreement stipulates the following conditions:

  • rate - 19%;
  • available loan amount - from 100 thousand to 1 million rubles;
  • terms - 1-5 years;
  • the loan amount is limited by the value of the collateral;
  • at the request of the borrower, voluntary insurance protection can be included in the program;
  • the bank has the right to request a guarantee from 1 or several individuals;
  • the vehicle is no more than 19 years old;
  • the borrower is registered in the region where the bank branch is located (or no further than 70 kilometers from the border of the locality);
  • the car is in good technical condition;

The vehicle is not listed as collateral under other agreements and does not participate in the car loan program.

Sovcombank car loans are represented by a wide variety of programs. The site has several programs that allow you to buy a car at good interest rates, with government support. There are favorable conditions both for those who receive funds without proof of income and for citizens with a bad credit history.

What kind of car loans does Sovcombank have?

Interest rates in 2019 range from 12.49% to 0%. The largest overpayment amount will be when buying a used car. You can purchase with minimal financial losses at dealerships that are partners of the bank.

You can take out a car loan from Sovcombank for a new or used car. The minimum amount is from 100,000 rubles. The maximum you can receive is up to 2,500,000 rubles. Terms are up to 60 months.

Conditions for a car loan at Sovcombank

Standard requirements for the borrower:

  • citizenship of our country;
  • age from 20 to 85 years;
  • continuous registration for at least 4 months;
  • Availability of a landline work or home telephone.

You can rent a car without a down payment, but the conditions are less favorable. When submitting an application through our website, you are redirected to the appropriate bank page. This allows you to speed up the processing time for your candidacy. All offers without additional fees or guarantors.

For your convenience, we offer. He will help you find an offer that meets all your requirements. Both companies and individuals have the opportunity to buy a car on Sovcombank credit.

Sovcombank is one of the few banks providing car loans to the population. A flexible pricing policy, minimum requirements for applicants, and the opportunity to obtain borrowed funds for the purchase of a vehicle without a down payment allow the lender to maintain its position in the TOP 10 banks selling this product.

Standard car loan programs

At Sovcombank you can take out a car loan both for the purchase of a new vehicle and a used one.

Loan programs for the purchase of a new car of domestic or foreign production. The application is considered based on a minimum package of documents. The applicant only needs to provide a passport and another document at his discretion, for example: a driver’s license. If the borrower is a man, then sometimes a military ID may be required. The product is provided for a period of 6 months to 6 years. Early repayment is possible without penalty.

In accordance with the terms of a car loan at Sovcombank, the applicant must meet the following requirements:

  • age restrictions - from 20 to 85 years on the date of repayment of debt obligations;
  • availability of official employment (work period in the last place for at least 4 months);
  • presence of Russian citizenship;
  • residence in the territory where the lender operates;
  • good, average or no credit history.

If there is a down payment of 40% and additional products are issued: insurance for the risks “Theft” and “Damage”, as well as voluntary financial protection, the rate is reduced to 8.9%. You can calculate the feasibility and amount of the overpayment using a special one posted on the Sovcombank website.

What other programs are there?

Car loan programs for the purchase of a used car. Provide for the purchase of vehicles of domestic and foreign production.

Debt repayment is carried out in various ways:

  • through bank offices;
  • through branches of the Russian Post;
  • through the lender's Internet banking;
  • through third-party organizations (a commission is charged in accordance with the tariffs of the sending organization).

The borrower may not inform the bank of his desire to repay his debt obligations early. All money received into the loan account is written off against financial obligations.

Special car loan programs at Sovcombank with state support. Their distinctive feature is state subsidization of up to 10% of the cost of the vehicle. Preferential conditions apply to applications submitted from January 1, 2018.

  1. Family Car Program. Designed for families with 2 or more minor children. When applying for a car loan at Sovcombank, you must attach copies of your children’s birth certificates or pages 16-17 of your passport. A prerequisite for obtaining borrowed funds is the absence of loans for the purchase of personal vehicles for the period 2017-2018.
  2. The First Car program. Designed for borrowers who have not previously owned a car. Interest rates on car loans at Sovcombank range from 12.49 to 19.4%. Applying for a loan without CASCO represents an increased risk for the lender, so the fee for using borrowed funds increases to 21.4 -22.2%.

The rate on a Sovcombank car loan without a one-time payment is always higher. One of the solutions to reduce overpayments could be to take out a consumer loan for the down payment. For example: A cash loan “12% plus” allows you to apply for 100 thousand rubles at 12% interest with a minimum package of documents. For the “For Responsible Plus” product, if debt obligations are repaid on time, recalculation is possible at a rate of 11.9% per annum, provided that the “Minimum Rate Guarantee” option is activated.

You can apply for a car loan at Sovcombank online, at a dealership or directly at the bank’s office. The credit and financial organization cooperates with 9 dealerships: Avtovaz, Hyundai, GMAvtovaz, Subaru Motor, KIA Uveren, Chery Automobiles Rus, UAZ, Lifan Motors Rus, Ravon Motors Rus. It is possible to register without CASCO (the rate will be on average 35 higher).

In the article:

Car loans are very popular these days. Loyal conditions for registration, including for pensioners, a low interest rate and a huge number of lending programs in banks have made the purchase of a new car more accessible for various categories of citizens. For example, Sovcombank provides car loans under secured consumer loan programs. The car for which the client takes out a loan will serve as collateral, so the bank requires a CASCO policy.

An expert says: what you need to get a car loan at a favorable interest rate

Conditions for purchasing a car on credit

Sovcombank issues a loan secured by a car, so the purchased vehicle must be insured for the entire loan term. A car loan from this bank can be obtained at a good interest rate for an amount of up to 2 million rubles.

Sovcombank provides car loans to pensioners and young families on special terms. Typically, they offer reduced interest rates and convenient repayment options.

Sovcombank has existed for more than 20 years, constantly offering citizens new services and credit products. The bank has branches both in large cities (Moscow, St. Petersburg, Ufa, Yekaterinburg, etc.) and small towns.

When applying for a car loan at Sovcombank, interest rates are calculated for the client individually. To find out the amount of overpayment and monthly payment, you can use a special online calculator. The term of the loan agreement with Sovcombank is no more than 60 months. It is worth noting that the amount of overpayment also depends on the term.

Documents for consideration

This financial organization has existed for more than 20 years, so many car dealerships cooperate with Sovcombank. The contract is drawn up under a consumer program for the purchase of movable property. The car will act as collateral and in case of failure to fulfill obligations under the contract by the client, it will become the property of Sovcombank.

  • Russian passport
  • Additional document - SNILS or Driver's license
  • Military ID or guarantee (for men aged 22-26 years)
  • Certificate 2-NDFL or according to the bank form about the client’s income
  • Vehicle Passport (PVC)
  • CASCO insurance policy (if available)

If the funds received under one loan agreement are not enough to purchase a car, Sovcombank can provide the client with a second loan on preferential terms.

Requirements for borrowers at Sovcombank

To apply to Sovcombank for a secured car loan, a potential client must meet the following bank requirements:

  • Russian citizenship.
  • Age 20-85 years (including pensioners).
  • Registration at the place of residence in the region of application.
  • Availability of a landline telephone.
  • Positive credit history.

Auto loan loan calculator

To find out in advance the interest rate, how much you will have to pay the bank monthly and how much you will ultimately have to overpay, you can use a special tool that is available on the official website of Sovcombank, a loan calculator, and also fill out an online application.

To calculate using a loan calculator, you need to indicate the bank’s lending program, the validity period of the loan agreement, the desired loan amount, the term of the agreement and the borrower’s parameters.

As a result, it will become clear at what interest rate Sovcombank is ready to issue a secured car loan, including to pensioners, how much will need to be paid every month and how much the client will ultimately overpay on a car loan for a new car.

Sovcombank has existed in Russia for 27 years; at first it was called Buikombank, since it was located in the city of Buy, Bryansk region.

Now it is a large Russian bank that serves private and corporate clients, offering a variety of services, from funds transfers to loans and deposits. According to the international scale, Sovcombank is called stable. Therefore, it is safe to obtain a loan or invest capital.

A car is a dream that can easily come true today. To do this, just contact Sovcombank for a loan for transport. You can first calculate a car loan using Sovcombank’s calculator, which will allow you to navigate the costs.

Conditions of a car loan at SovcomBank

The client needs to meet several requirements: permanent registration for 4 months or more in one locality of the Russian Federation, residence in us. point of presence of Sovcombank, age 20-85 years, official employment with experience of 4 months, availability of mobile and home telephone.

Documents for obtaining financing for a car:

  • Russian passport,
  • additional document: driver's license/registration or military ID/SNILS policy,
  • certificate 2-NDFL or according to the bank form.

A PTS passport is required for the vehicle, and a CASCO insurance policy is also desirable.

Interest rates on car loans at SovcomBank

“Autostandard used car”: no down payment, personal insurance, issued in rubles for up to 5 years with an annual rate of 19-25%. Under this program, you can purchase a car worth no more than 1,500,000 rubles.

“Autostandard new car”: issued for a period of 12-60 months, the available amount for the purchase of vehicles is 1,500,000 rubles. The annual interest rate will be 15-21%, there is no down payment. Securing the selected vehicle as collateral.

“New vehicle with 2 documents”: 0% down payment, 17-23% annual overpayment, loan for a period of 12-60 months. The cost of the car cannot exceed 800,000 rubles. When purchasing CASCO insurance, the annual rate percentage is minimal.

“Used vehicle with 2 documents”: 0% down payment, loan term 1-5 years, without proof of income. The annual interest rate varies from 21 to 27% depending on the availability of CASCO insurance. The maximum amount for purchasing a car is 800,000 rubles.

Early repayment of a SovcomBank car loan

The minimum repayment period for car loans is 1 year, but the client can pay off the debt early without penalties or fees. To do this, you need to fill out a statement at the bank office about your desire to repay the debt ahead of schedule. You can repay the loan in part or in full.