Features of obtaining a car loan from VTB Bank in 2019-2020

VTB Bank today offers favorable terms for loans for the purchase of cars for individuals. A car loan can be issued for the purchase of new and used cars of domestic and foreign production.

You can borrow money for a car from VTB Bank without proof of income, as well as using the security of the purchased car, which makes obtaining a loan more accessible. Special, more favorable car loan conditions are provided for corporate, including salary clients of the bank.

The bank has special joint programs with car manufacturers, which allows you to get a profitable car loan on preferential terms for certain brands of cars.

VTB 24 car loans in 2019-2020: interest rates and conditions

At VTB Bank you can get loans for new cars and used cars with mileage. Compare the terms and interest rates of various car loan programs in force today.

VTB car loans for new cars: interest and conditions

The down payment when purchasing new cars is at least 20 percent of the cost of the car. But interest rates and conditions vary depending on car loan programs.

ExtraLight

Special offer for new cars.

AutoPrivilege

Increased loan amount and extended loan terms.

Car loan with remaining payment

A loan for the purchase of a new car with a minimum monthly payment.

VTB car loans for used cars: interest and conditions

Used cars can be purchased on credit without a down payment. Let's compare the conditions and interest rates of VTB Bank loans for used cars.

ExtraLight

Special offer for the purchase of used cars from dealers. Down payment - from 20% of the cost of the car.

freedom of choice

Loan for the purchase of a used car from an individual. No down payment.

AutoProbeg

Loan for the purchase of used cars purchased from a dealer. No down payment.

Secured cars on credit

Special loan conditions for cars pledged by the bank. Down payment - from 20% of the cost of the car.

Special offers from automakers

There are quite a lot of special offers for car loans at VTB today. On the official VTB website you can.

See also: Review of car loan conditions at Sberbank -

Who can get a car loan from VTB 24 Bank

The bank imposes the following requirements on the client:

• - citizenship of the Russian Federation;
• - age - from 21 to 70 years at the time of loan repayment;
• - permanent registration and actual residence address in any region where the bank is present;
• - total work experience - at least 1 year, at the last place of work - at least 3 months;
• - average monthly income - at least 30 thousand rubles. (for Moscow and the Moscow region) and 20 thousand rubles. (for other regions of the Russian Federation);
• - presence of at least 2 contact telephone numbers (landline/additional).

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Documents for a car loan at VTB Bank

To apply for a loan, you must provide the following package of documents to the bank.

Required:

1. passport of a citizen of the Russian Federation;

2. original of one of the documents confirming income for the last 6 months:

• -- certificate 2-NDFL;
• -- certificate in the form of the bank;
• -- personal bank account statement.

3. A copy of the work book certified by the employer (all pages completed) is provided for a loan amount of over 1.5 million rubles (or the equivalent in the loan currency) and a down payment of less than 50% of the cost of the purchased car.

Optional (copies provided):

Education documents;

Documents confirming the ownership of expensive property.

You can apply for a loan using 2 documents. You will only need:

1. passport of a citizen of the Russian Federation;

2. copy of any document from the list:

• -- international passport;
• -- driver's license;
• -- military ID (officer's identification card);
• -- service identification (Ministry of Internal Affairs, FSB, customs authorities, etc.).

How to get a car loan from VTB Bank

Applying for a car loan is not very different from taking out a regular loan. The main thing is to collect documents confirming your financial condition. But there are some nuances.

1. Apply for a car loan. You can do this in several ways:

• - on the bank’s website;
• - at the VTB partner car showroom;
• - at the Auto Loan Center.

The bank makes a decision from 30 minutes to 2 days. You can use an approved loan to purchase a car within 95 calendar days from the date the application form is received by the bank.

2. Choose the right car.

3. Complete your purchase.

You can apply for a loan at a car dealership without waiting for a decision on an already approved application.

Applying for a loan at the VTB Car Loan Center

You can also get advice, choose a loan program that suits you and submit an application at the Car Loan Center. To conclude a loan agreement with VTB you will need:

• - copy of PTS;
• - a copy of the car purchase and sale agreement;
• - a copy of the invoice for the car payment.

After the bank transfers the required amount to the car dealership, your purchase can be considered completed.

Features of VTB car loans in Moscow and St. Petersburg

Some conditions of VTB 24 car loans for residents of Moscow, Moscow region and St. Petersburg and the Leningrad region differ from those in other regions of Russia.

In particular, in the capitals it may be difficult to obtain a car loan from VTB Bank 24 for the purchase of used LADA and UAZ. In addition, the borrower’s average monthly income for Moscow and the Moscow region must be at least 30 thousand rubles, and for other regions of the Russian Federation - only 20 thousand rubles. There are a number of other features.

It is better to learn more about the conditions for obtaining a car loan in Moscow and St. Petersburg at the VTB 24 bank branch.

A car is a dream for many people, but not everyone can afford such a purchase, since a car really costs a lot of money. This explains why car loans have become very popular these days. The fact is that this method of buying a car allows you to buy a car even for those who do not have half the cost of the equipment. The borrower pays the rest of the money gradually, in monthly payments, which allows him not to make a strong blow to the budget.

Lending allows you to purchase not only a car, but also, for example, a motorcycle. Typically, car dealerships offer you a similar method of purchase, but banks that provide car loans are different.

Advantages of VTB 24

In this case, such a difference is extremely important, because different financial institutions offer different financial conditions. You need to choose a reliable bank that offers the best options for paying the cost of a car in installments. Therefore, we advise you to take out a car loan from the well-known Russian bank VTB 24, which is stable and reliable. When purchasing a car, you should contact the dealer to see if the financial institution services their showroom. If yes, then it is better to take advantage of the offers from VTB 24.

A car loan at VTB 24 has several advantages that are extremely important when applying for a loan:

• Widely distributed in a variety of car dealerships;

• A wide selection of different cars for which you can get a car loan. Thus, the bank offers loans for new Russian cars, foreign cars, as well as used cars, trucks and cars;

• Various special conditions (autostandard, autolight, autoexpert and for different brands of cars);

• Favorable basic offers that will allow both individuals and various companies and organizations to purchase a car;

• A convenient website with a car loan calculator that allows you to quickly calculate the amount of monthly car payments by filling out all the fields.

As you can see, VTB 24 is a really good option for a car loan, because this bank is widely represented, profitable and reliable. Therefore, this financial institution has many clients.

Basic lending conditions and interest rates VTB-24

This bank offers a large number of different special conditions. There are programs that allow you to introduce government subsidies for any loan. This will allow you to save money and get help from the country. In addition, there are a huge number of offers for those who need an auto loan for a commercial vehicle. VTB 24 offers a variety of programs for companies to purchase both new and used cars.

Program			% bid	Perv. contribution	Amount of credit	Credit term	Deadline to be considered	Age auto. Max.
AutoStandard		new	19%	from 20%	from 150 thousand to 5 million	from 1 to 7 years	up to 2 days	—
		support father	17,9% — 21,9%	from 30%	from 150 thousand to 800 thousand.	from 1 to 5 years	up to 2 days	5 years
		support foreign	16,9% — 20,9%	from 20%	from 150 thousand to 3 million	from 1 to 5 years	up to 2 days	10 years
Autolight		new	19,9%	from 20%	from 100 thousand to 2.8 million	from 1 to 5 years	up to 2 days	—
		support swelling	18,9% — 22,9%	from 30%	from 100 thousand to 800 thousand.	from 1 to 5 years	up to 2 days	5 years
		support foreign	17,9% — 21,9%	from 20%	from 100 thousand to 3 million	from 1 to 5 years	up to 2 days	10 years
Autoexpress		new	19,9%	from 20%	from 100 thousand to 1.5 million	from 1 to 5 years	up to 2 days	—
		support swelling	19,9% — 23,9%	from 30%	from 100 thousand to 600 thousand.	from 1 to 5 years	up to 2 days	5 years
		support foreign	18,9% — 22,9%	from 20%	from 100 thousand to 1.5 million	from 1 to 5 years	up to 2 days	10 years
freedom of choice	Full package doc.	support swelling	15,9% — 19,9%	—	from 150,000 to 700,000	—	—	—
		support foreign	16,9% -20,9%	—	from 150,000 to 3 million	—	—	—
	According to two docs.	support swelling	18,9% — 22,9%	—	from 100,000 to 600,000	—	—	—
		support foreign	16,9% -20,9%	—	from 100,000 to 1.5 million	—	—	—
	Form. without CASCO	support swelling	18,9% — 22,9%	—	from 100,000 to 300,000	—	—	—
		support foreign	22,9% — 26,9%	—	from 100,000 to 1 million	—	—	—

Conditions and interest rates for a car loan from VTB24.

Special conditions for car loans

• “Freedom of Choice” program— a loan for the purchase of a used car from an individual.
• AutoPrivilege program— increased loan amount and extended loan terms.
• Kick Down program for Kia, Hyundai— special conditions for the purchase of new cars Hyundai Solaris, Elantra, Creta, i40, Tucson and KIA Rio, Sportage, Cee’d, Cerato, Optima from 7% per annum.
• Special offer "Express"— loan with reduced rates in 30 minutes.
• "Driver"— special conditions for new cars UAZ, Lada Granta, Kalina, Largus - from 9.9%.
• "Million"— a loan for the purchase of a new car worth from 1,000,000 rubles.
• — a loan for the purchase of a new car with a convenient three-stage payment system.

Interest rates and loan amount under special lending programs at VTB24.

Program	Bid	Down payment	Loan size
"Freedom of choice"	from 15.9%	from 0%	up to 3 million rubles
"AutoPrivilege"	from 11.9%	30 %	up to 7 million rubles
"Kick Down for Kia, Hyundai"	from 7%	20 %	up to 2 million rubles
"Express"	from 8.9%	20 %	up to 1.5 million rubles
"Driver"	from 9.9%	20 %	up to 1 million rubles
"Million"	from 14.9%	20 %	up to 3.5 million rubles
"Car loan with remaining payment"	from 15.9%	20 %	up to 5 million rubles

VTB24 offers special lending programs at special interest rates for certain brands of cars:

• Hyundai
• Jaguar
• Cadillac
• Land Rover
• Suzuki
• Gazelle
• Lifan
• Subaru

Insurance

In addition, VTB helps solve problems with such an important component of car ownership as insurance. Nowadays, driving without CASCO is prohibited, so you definitely need to insure your car, but for people who do not want to take out a CASCO policy, VTB24 offers special lending conditions under the “Freedom of Choice” program without a CASCO policy.

VTB also offers to pay insurance payments from the body of the loan. Therefore, you will not have any problems with CASCO. Life insurance is also available.

Necessary documents for applying for a car loan

To ensure that applying for a car loan at VTB 24 Bank goes smoothly, you need to prepare a certain package of documents in advance. To quickly obtain a car loan, you must bring the following documents:

• A copy of your passport, which serves to prove that your age is between 21 and 60 years. For women, the maximum age for loan repayment is 55 years;

• A copy of your residence permit and registration, because you must live where the bank branch operates;

• A driver's license is often required, and for men, a copy of a military ID is also required;

• A certificate from your place of work is also important. You must be employed in one place for at least a month, and your monthly salary must be sufficient to repay the loan;

• Completed application form for obtaining a car loan from VTB 24 Bank.

These documents are enough to apply for a car loan for absolutely any car, so you won’t have any problems applying for a loan. As a rule, the processing time for an application is very prompt, so the client usually receives a response as quickly as possible, within a few days. There are usually no problems getting a loan if everything is in order with your papers.

VTB24 lending conditions

In order to understand whether the offer to obtain a car loan from VTB 24 is profitable for you, we offer you a summary table of interest rates so that you can calculate your car loan. The conditions are as follows:

Vehicle type	An initial fee	Loan terms	Rate per annum
New foreign car	20% in rubles	From 1 year to 7 years	18-20%
New Russian-made car	20-30% in rubles	From 1 year to 7 years	16-21%
Used car	20% in rubles	From one year to 5	18%
Used cars for commercial purposes	minimum	1-5 years	20%

In addition, you will need to pay some commission to the bank for issuing a loan in the amount of about 5 thousand rubles.

VTB 24 is among the TOP 3 banks in the country. A reliable, time-tested bank attracts the attention of a large number of borrowers. Lending for used cars is not particularly popular in the banking services market, but despite this, VTB 24 offers several such programs at once. Let's look at what a car loan at VTB 24 is: conditions, requirements for clients and the procedure for obtaining it.

Car loan terms

The bank offers four loan products that allow you to purchase a vehicle on the secondary car market. They differ in interest rates, set of documents and amount limit. The most profitable is a car loan for a used car VTB 24 "Freedom of choice". This is a special program under which you cannot buy a new vehicle.

The bank has two schemes for setting the annual rate:

• rate for clients who have taken out personal or collateral insurance in one of VTB 24 partner companies;
• clients, those who have not used insurance services.

It is also necessary to take a closer look at the terms of the loan. They look like this:

1. The minimum rate is 13.9%, subject to personal insurance and collateral insurance. If the client does not take out CASCO insurance and does not insure himself, the rate increases to 26.9% per year.
2. The maximum loan size reaches 3 million rubles. for foreign-made cars and 700 thousand rubles. for domestic LADA and UAZ cars.
3. A down payment is not required for this product, but making it significantly increases the chances of a positive decision from the bank.
4. You can draw up an agreement on even more favorable terms only when purchasing a new car, taking advantage of the VTB 24 state program car loan offer, or the so-called loan subsidization. In this case, the rate is reduced by 6.5%.
5. The maximum period for which an agreement can be drawn up for the “Freedom of Choice” product is 5 years; a standard car loan is possible for up to 7 years.

Bank requirements

To get a car loan, you must meet the bank's requirements for a potential client and for a vehicle. A VTB 24 borrower can be a citizen of the Russian Federation over the age of 21, but not older than 65, living and registered in a locality where there is a bank branch. When submitting an application, you must have at least 2 phone numbers, one of which must be a landline.

Another important point is the length of service, which must be at least 3 months at the current place of employment and at least 12 months for the entire period of work. In addition, the client must have a net monthly income of 20 thousand rubles. (30 thousand rubles for the Moscow region).

The purchased vehicle must meet the following requirements:

• to be a passenger car;
• be in the possession of the previous owner for at least six months;
• owned by no more than two persons (for domestic cars) and three persons (for foreign cars);
• have a cost of 200 thousand rubles. (domestic production) and from 300 (foreign production).

Applying for a loan

You can apply for a VTB 24 car loan without a down payment on the website, at a bank partner’s salon, at a bank branch, or by calling the hotline. After filling out the application form, you need to provide a package of documents to the bank. VTB 24 has two lending options: with proof of income or only two documents.

1. In the first case, you will need a passport, a certificate with the amount of monthly cash receipts and a copy of the work record book, which is provided if the contract is drawn up for an amount of more than 1.5 million rubles. or the down payment is less than 50%. As a document confirming the availability of income, a 2-NDFL certificate, a bank form or an extract from the client’s personal account (salary, pension, payment) are acceptable. The bank also accepts for review: driver’s, pensioner’s, military licenses; educational documents; documents registering the borrower's ownership of expensive property.
2. If a client applies for a loan using two documents, the interest rate will be higher (from 16.9 to 21.9%), and the amount will be significantly less - up to 1.5 million rubles. for foreign and up to 600 thousand rubles. for domestic cars. To apply, you will need a passport and a copy of a second document: international passport, driver’s license, military ID or service ID.

After receiving the required documents, the bank analyzes the data and makes a decision within 30 minutes to 48 hours.

If the decision is positive, the borrower signs an insurance contract at the car dealership and receives documents: title, vehicle purchase and sale agreement, invoice for its payment. Copies of documents are provided to the bank, which, on their basis, transfers funds to the seller.

Car loan repayment

The procedure for repaying debt is similar to any loan - equal monthly payments. The only exception is the payment for the first month of using the money - the borrower pays only interest. Early repayment of the loan is permitted provided that an application for such an operation is submitted by telephone or via Internet banking. You can make payments according to the contract schedule using:

• free VTB 24 payment card;
• VTB 24 offices;
• Internet banking;
• transfer from other banks;
• translation using the Zolotaya Korona system.

In case of delay, the client will have to pay a penalty of 0.1% per day of the amount of the outstanding payment.

VTB 24 Bank provides car lending services on the most favorable terms for the client. You can receive a positive response on a loan to purchase a vehicle within 15 minutes.

A prerequisite for providing car loan in VTB is the full compliance of the client’s documents with the stated requirements. Preferential categories of borrowers can count on special loan conditions. There is also a government program to subsidize car loans.

Conditions of registration car loan

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The bank issues loans with or without a down payment. The interest rate is determined depending on the terms of registration. General conditions for all clients to receive car loan at VTB in 2018 year:

• The loan period is up to 5 years.
• The cost of the car is no more than 5 million rubles.
• Mandatory CASCO insurance. The client chooses the insurance company himself.
• Loan refinancing is possible.

Important!

Clients receiving salaries from this bank do not submit additional documentation.

An application for a car loan is completed through the bank’s official website, indicating all the necessary information. Within 48 hours, the application will be reviewed by managers, after which an SMS notification will be sent to the applicant’s specified phone number.

Interest rates on loans in 2018

Depending on the type of car loan issued, money is issued to the client at the following interest rates:

Autostandard program

• The rate on a VTB car loan is 16.7%.
• Mandatory down payment – ​​20%.
• Loan term up to 5 years.
• The amount that can be borrowed is from 400 thousand to 10 million.
• Mandatory insurance.

This program covers both new vehicles and used vehicles.

VTB car loan"Autolight"

• The rate is 14.7%.
• Loan term up to 7 years.
• The amount that can be borrowed is from 150 thousand to 10 million.
• Compulsory VTB car loan insurance.
• Issued without proof of income.

You can purchase new vehicles or used cars.

3. "Autoexpress"

• The rate is 16.7%.
• Mandatory down payment – ​​30%.
• Loan term up to 5 years.
• The amount that can be borrowed is from 200 thousand to 10 million.
• There is an option in which you don’t have to take out CASCO insurance.

A decision can be made within half an hour.

4. “Freedom of choice”

• You can buy a car from a private person.
• A comprehensive check of the seller and the vehicle is required.
• The rate is 11.9%.
• No down payment.
• Loan term up to 5 years.
• The amount that can be borrowed is up to 3 million.
• You don't have to take out CASCO insurance.

A “Freedom of Choice” car loan can be issued in one visit to the bank.

Requirements for the borrower

Loans are provided to individuals and legal entities. Basic requirements for applicants:

• Age from 21 to 65 years.
• Citizenship of the Russian Federation.
• Registration in the region where VTB 24 Bank, where the car loan is issued, is located.
• Official employment.
• Work experience of 6 months or more.
• Having a positive credit history.

Compliance with all requirements must be documented.

Car loans with government subsidies

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Preferential categories of the population will be able to purchase a car on credit through a financial institution lending program. According to the program, 2/3 of the loan falls under the state refinancing program. This part is repaid from budget funds.

Mandatory conditions for obtaining a car loan with government subsidies:

• Only Russian-assembled vehicles are refinanced.
• Used vehicles must be no more than 12 months old.
• Vehicle weight – up to 3.5 tons.
• The price of a car is up to 1 million rubles.
• He is not registered with the State Traffic Safety Inspectorate.

The amount of overpayment is from 7% to 9.5%. The contract is signed for a period of up to 3 years.

Note to clients

At the end of 2017, the Khabarovsk branch of VTB 24 almost doubled the issuance of car loans. The amount of car loans in the branch reached 210 million rubles, which is 40% more than in 2016.

In the Khabarovsk Territory in 2016, 125 car loans were issued, about 30% of them were issued under the state subsidy program.

Vladimir Selivanov, head of the Khabarovsk branch of VTB Bank, noted an increase in credit optimism among the population. In addition to the increase in the number of car loans, the population is actively buying housing

Use the car loan calculator to calculate the overpayment and monthly payment under the VTB 24 Bank lending program. A convenient service will allow you to get comprehensive information in a few seconds under various conditions for issuing a car loan.

At the moment, VTB 24 Bank provides car lending services under five main programs. The bank creates individual solutions through cooperation with car manufacturers. Thus, models of some brands, when purchased at official dealerships, can be purchased on preferential lending terms with a lower overpayment.

For clients who are not accustomed to waiting for a long time, VTB 24 offers the AutoExpress program. Under the terms of this offer, to obtain a loan, the client only needs two documents and one hour of free time.

This is exactly how much the bank will need to make a decision and issue cash.

VTB 24 Bank loan programs:

Note! You can change the calculation parameters (namely the loan amount, interest rate, loan term) in the left “loan parameters” window. By default, the service performs calculations based on the maximum values ​​of the loan program.

How to calculate a car loan at VTB 24 bank?

In the upper left corner of this page, you can find the “Loan Options” form. In order to calculate the overpayment and monthly payment, fill out all the fields correctly according to the bank’s terms and conditions and click on the “calculate car loan” button.

In just a few seconds, you will receive a voluminous report.

Please note that the calculation cannot be one hundred percent accurate, due to the fact that some banks hide information about additional commissions on loans. In addition, depending on the lending program, CASCO insurance may be required, which our car loan calculator cannot take into account.