The Avangard Bank loan calculator can calculate a loan, find out the interest rate and loan conditions for individuals today. Do you want to take out a consumer loan from Avangard Bank in 2019? Use the free calculator from the official website to calculate your loan! Cash loans are available through the bank's network of branches. Choose one of the options for consumer loans and evaluate how profitable and convenient it is.

The loan repayment calculator will help you calculate online:

• payment amount with interest,
• payment amount for loans with early repayment,
• payment amount for loans with partial early repayment.

You can also view, download and print the calculation result with a monthly payment schedule.

Lending terms

• Purpose of the loan for personal consumption
• Loan currency Russian rubles
• Min. amount of credit 30 000
• Max. amount of credit 5,000,000 if you receive your salary into a bank account
• Credit term from 3 months to 5 years
• Issue fee no credit
• Loan collateral not required

Interest rates

• Special conditions- if you receive a salary or pension into a bank account from 12.9% to 18.9%
• General terms from 13.9% to 19.9%

The mortgage interest rates section is updated weekly.

Enterprises and organizations are participants in salary projects, and their employees are salary card holders, which simplifies obtaining a loan.

The loan loan calculator will calculate:

• for salary card holders,
• for individuals (private) persons,
• for pensioners,
• for legal entities,
• for individual entrepreneurs.

The terms of the loan depend on the purpose of the loan, the borrower’s goals and determine the required package of documents for the borrower.

You can take out a loan:

• cash,
• for the development of small businesses,
• for the purchase of a car (for a car),
• for the purchase of housing,
• for building a house,
• for refinancing,

We wish you a pleasant settlement and the most favorable conditions.

For the purpose of lending to individuals, Avangard Bank issues credit cards with the possibility of round-the-clock monitoring through the Internet Bank system (the service is free). The loan amount (“credit limit”) is determined individually for each client. The interest rate is average in the banking services market. The advantage of lending from Avangard Bank is the opportunity to get a discount of up to 25% when purchasing from the bank’s partners.

If you have decided on the credit limit and other loan terms, fill out the calculation form and click the “Calculate” button.

The MAS Motors salon cooperates with several dozen leading Russian banks. If you are determined to purchase a car from us, a car loan from Avangard Bank will help make your dream come true. With a high probability, having received his loan, you will leave us in your car.

PJSC Avangard has been operating since 1994 and has a wide network of branches and ATMs. Over the entire period of work, he has established himself as a reliable partner, including in transactions involving the purchase of a car.

What car loan services are provided?

Avangard Bank can help you purchase:

• New passenger cars of foreign manufacture or foreign brands produced in Russia, for personal needs (for individuals);
• New passenger cars of foreign production or foreign brands, manufactured in Russia, for commercial needs (for legal entities and commercial use).

To receive a loan, the bank does not have to provide proof of income. In addition, it is not necessary to obtain vehicle or borrower insurance.

Conditions for obtaining a car loan

The interest rate depends on the currency of the loan and can be:

• 11% - only for loans in widely accepted foreign currencies, specifically euros or US dollars;
• 21% - in rubles, if you have already contacted this bank more than once before (become a regular customer);
• 23% - in rubles for all other clients.

Separately, it is worth stipulating which categories of clients the bank can consider permanent. This:

1. Those bank clients who have its plastic card in their hands. At the same time, it must not only be issued and received, but actively used - over the last year, the average turnover on the card per month must be at least 10,000 rubles, if the client has been using the card for less than a year, then during this period the total turnover should not be less than 120,000 rub.);
2. Buyers who have already taken out a car loan and repaid it in accordance with the payment schedule;
3. Salary card holders (if the employing company or the client himself uses a card account to transfer wages).

The loan repayment period can range from 1 to 5 years (or 1-2 years when purchasing a car for commercial use).

The loan amount is not limited by any conditions. And therefore, the payment period can be recalculated based on individual indicators.

The borrower's own contribution is at least 30% of the total cost of the car.

The bank will consider the application as soon as possible, but no later than 3 days (only working days are considered) from the moment it is submitted.

If payment for a car is made using the Visa Auto card issued when applying for a loan, then the interest on the transfer will be 0%, for transfers from account to account (without a card) - 2% of the loan amount.

The purchased car will act as collateral (collateral) for the loan product; if available and desired, other collateral can be used.

Visa Auto card from Avangard

It is a classic bank card with a credit limit (deferred payment period is 50 days). The issue is free of charge; from the second year of use, the bank gives the card holder 250 rubles. annually. The cardholder automatically participates in programs initiated by the bank or VISA payment system (bonus, discount, etc.). For example, a refund of 1% of the amount of purchases in auto stores, gas stations, from payments for auto repair shop services, etc.

Requirements for the borrower

Car loans are issued only to citizens of the Russian Federation who have reached the age of 23 (not older than 60 years) with permanent or temporary registration (registration) in the region where there is an office of PJSC JSCB "AVANGARD". Another mandatory requirement is permanent employment.

Optional requirements that influence the bank’s decision include the presence of continuous experience:

1. in last place for at least 1 year;
2. at least one place of work - at least 2 years.
3. Application from the person applying for the loan,
4. Questionnaire (according to the bank form),
5. Copy of passport (if you have a spouse, be sure to provide a copy of their passport),
6. A certified page-by-page copy of the work book,
7. Copy of driver's license (for everyone who will drive a car).

What documents do you need to provide to the bank to apply for a car loan?

The presence of the borrower's spouse is required during the signing of the loan agreement.

The Avangard mortgage calculator allows you to calculate the mortgage amount for individuals based on data for 2019. If you want to choose the best mortgage offer, buy an apartment in a new building or other residential real estate with a minimal overpayment, then be sure to use the calculator.

Avangard Bank is a universal commercial bank founded in 1994. Provides all types of financial services, works with individuals and legal entities. In terms of financial indicators, it is one of the largest in the Russian Federation. The bank pays great attention to the quality of customer service and is very popular among the population.

Purchasing a mortgage property is a very serious step for every family, since it is necessary to undertake monthly debt repayment obligations. The size of these payments will depend on how competently you calculate the mortgage and how correctly you choose the mortgage program (at what interest rate, for how many years).

Our online calculator will automatically help you determine:

• Maximum mortgage loan size
• Monthly payment amount
• The amount of accrued mortgage interest for each month
• Amount of total overpayment in monetary terms
• Amount of total overpayment as a percentage
• The total amount of mortgage payments for the entire period
• Possibility of early repayment

Using this information, you can get a complete picture of the chosen mortgage program, assess your ability to repay the loan and pay debt contributions, and decide on the advisability of applying for a mortgage.

The bank provides potential borrowers (including public sector employees and military personnel) with the following opportunities to obtain a mortgage loan:

• With down payment
• With a guarantor
• With proof of income
• No down payment (0% down payment)
• No guarantors
• Without certificates of income from work
• Personal conditions (for young professionals or young families)

When applying for a loan, the bank can offer two options for repaying the debt: through annuity payments or differentiated payments. The Avangard mortgage calculator calculates annuity payments, since they are in greatest demand among the population.

The calculator is a truly convenient and modern way to calculate all mortgage parameters online. For an accurate calculation, finally decide on the type of property.

You can get a mortgage loan in Avangard:

• On a plot of land for individual development
• For secondary housing
• For a new building
• For the construction of a private house

Already at the bank branch, be sure to ask the bank employee whether it is possible to get a mortgage with early repayment, with government support or maternity capital. Let us also remind you that if the borrower has a salary card opened at the bank, this will significantly improve lending conditions.

Registration number: 2879

Date of registration by the Bank of Russia: 09.06.1994

BIC: 044525201

Main state registration number: 1027700367507 (28.10.2002)

Authorized capital: 807,000,000 rub.

License (date of issue/last replacement) Banks with a basic license are banks that have a license whose name contains the word “basic”. All other operating banks are banks with a universal license:
License for attraction of deposits and placement of precious metals (10.09.2015)
General license for banking operations (09.10.2015)
Licenses

Participation in the deposit insurance system: Yes

Bank Avangard was founded in 1194. It is a commercial financial institution offering a wide variety of banking products, including high-tech ones. The bank is recognized as reputable in terms of volumes of major monetary values. The client base consists of more than 100 thousand client organizations and more than a million private ones. The regional network includes located in different localities of our country. located in all major cities in shopping centers and offices of the institution.

People are encouraged to use:

• account,
• by money transfer,
• Internet banking.

Some divisions work with securities and precious metals. Corporate users are offered cash settlement operations, as well as collection, conversion, and participation in the salary project. Corporate cards are also issued in offices.

Initially, the bank operated as AKB Sadr, but since 1996 it has been called Avangard. The institution is recognized as the leader of a financial group connecting holdings, agricultural, industrial, and investment companies. Chairman of the bank's board K. Minovalov owns 99.27% ​​of the bank's shares.

In this article, we will try to clearly show how to correctly use the Avangard Bank loan calculator to achieve the most accurate calculations, and also introduce you to the main loan offers of Avangard Bank, which has been successfully operating in Russia for more than 20 years. Having offices in most cities of the country, the bank was among the largest credit organizations and became the winner of the national rating in 2017. Currently, the bank is actively developing in the field of Internet banking, offering its clients to receive all the necessary information online.

We suggest using our loan calculator, which will allow you not only to independently verify all calculations, but also to receive a full schedule containing both general information about the cost of the loan and a detailed breakdown of the monthly payment. There is also a loan calculator on the Avangard Bank website, but it only offers car loan calculations. In addition, the calculator provides a general calculation without providing a full payment schedule.

So, first, what I would like to draw your attention to is the presence of required cells. We are talking about the top three: loan amount, rate and term. Without knowing at least one of these indicators, it will not be possible to make a calculation. If the terms of your loan agreement provide for a variable interest rate, indicate this by clicking on the “ changeable" In the panel that appears, indicate the size and date of modification; there may be several of these.

It is extremely rare that a loan consists only of principal and interest, but if you need an approximate calculation, by entering this data, you can safely click on the “ button Calculate” and you will certainly receive it.

The second step We recommend going to the bottom line, where you indicate the start of loan payments by clicking the mouse cursor on the line or calendar icon, and the presence of one-time or monthly fees. Below the lines you are asked to select options for collecting commissions; they must be specified in your agreement.

Example. In most cases, it is impossible to obtain a mortgage without life insurance on the borrower. Depending on the conditions, the bank will require payment of insurance premiums. So, for example, the annual insurance premium of VTB Bank when applying for a mortgage is 30 thousand rubles. To take this into account when calculating, just do a simple mathematical calculation: 30 thousand/12 months - we get a monthly commission of 2,500 rubles. If there are others, simply add to the existing ones and indicate in the line “ monthly commissions.”

Third go down below and select the type of payment: annuity or differentiated. We recommend that you first read the explanations that appear when you hover your cursor over the “ icon ? " Here, if necessary, press the toggle switch “ first payment only %” to a more correct position.

If you want to schedule additional payments to pay off your loan early, you can also do this using our calculator. Click on the “ Loan repayment ahead of schedule”, and the corresponding panel will appear in front of you, where you indicate the planned amount, date and frequency. You can also schedule several such payments.

Now that all the data has been entered, just click on the “ Calculate” and within a few seconds you will receive the most detailed payment schedule that you can print, save in spreadsheet format or send by email. You can also get a direct link to the table to return to the calculation results in one click.

If the loan repayment period is long, then the table, accordingly, will be large. Under the resulting table, click on the “ Load more (... lines)” and the table will be displayed in full.

Credit offers from Avangard Bank

Being a successful commercial bank, Avangard has developed many profitable and attractive offers for both individuals and legal entities. In general, Avangard’s banking products are no different from the usual ones: mortgages, car loans, business loans. We have selected the main services with a general description of the conditions:

• 5 types of deposits, with an annual interest rate of 6%, flexible terms from 10 to 730 days and the ability to save any currency;
• car loan service for the purchase of new foreign cars, with an interest rate from 11 to 18% and the need for a down payment of 30% of the cost. The maximum loan term is 5 years. Recently, the bank has also been promoting a separate offer for farmers and agricultural producers - Avangard-Agro, which provides loans for the purchase of agricultural equipment;
• Avangard Bank credit cards are distinguished not only by their individual style, but also by many beneficial additions, for example, you can receive bonus miles or use the card contactlessly. Employers are also invited to create a salary project to pay wages to employees;
• mortgage issued only to improve housing conditions;
• An important part of the bank's scope of activity is money transfers, assistance with hotel and ticket bookings (online), as well as transactions with precious metals and securities.

Features of a mortgage at Avangard Bank

Traditionally, a mortgage is understood as a bank giving a certain amount of money to buy your own home. Often for people this is a loan for their first property, therefore it will be secured as collateral for the bank. If a mortgage is issued to improve housing conditions, then it goes without saying that the borrower has his own real estate.

You can receive and spend money from Avangard Bank only on the:

• expansion of existing housing, that is, the construction of additional rooms, the construction of extensions or attics;
• improvement of living conditions, that is, major repairs, putting the house into operation, large-scale internal alterations;
• acquisition of new housing, subject to the sale of the old one.

There is no doubt that this proposal will benefit both the lender and the borrower. The lender, that is, the bank, will clearly become familiar with the current state of affairs of the potential client and will be able to approximately calculate his solvency. The client, in turn, gets the opportunity to receive an interest rate of up to 11% and a maximum loan term of up to 25 years. Also, the bank can afford to refuse to collect numerous certificates and confirmations.

The requirements for borrowers are standard - age of majority and possession of a valid passport of a citizen of the Russian Federation. Additionally, a second document may be required, for example, SNILS or a driver's license. In turn, the decision to cancel the need to confirm your income using certificates from the accounting department is made individually and depends on the required amount and the estimated value of the existing housing.

When deciding to take out a mortgage, a person prepares to bear responsibility for this choice for many years. All this time, he will need to make monthly payments, and therefore monitor the regularity of his income. To avoid unpleasant situations and, even worse, not to lose your home, the borrower must be responsible in calculating the required amount.

Of course, in the offices of Avangard Bank, qualified specialists will tell you all the terms of mortgage lending, tell you what documents you need to bring and calculate several suitable options for each client individually, but you cannot be absolutely sure that the bank is one hundred percent honest with you.

One of the tasks when creating our loan calculator was precisely to provide customers with the opportunity to check the degree of transparency of your bank’s operations. Using the calculator is not difficult, because the program will do the main work itself and calculate the average monthly payment based on the interest rate you specify on the loan.

Now that you have read the instructions and received a general understanding of the credit programs of Avangard Bank, it will not be difficult for you to independently, without additional financial costs, control your credit relations with the bank. Our loan calculator is distinguished by the maximum thoughtfulness of loan terms and accuracy of calculations, and its organic and modern design makes working with it pleasant and interesting.