Many of our fellow citizens know how to buy a car they like with borrowed funds by turning to a bank for help. There are a great many offers of this kind in the banking market, for example, in this article below we will analyze all the programs of one of the well-known Russian banks in the section “Gazprombank auto loan offers: conditions and interest rate,” so you can see for yourself.

The best car loan - what is it?

Loans are always more profitable for banks than for clients, but the conditions may be either acceptable to you or oppressive. So how can you find a great option among others? It's simple, focus on three pillars - currency, term and interest rate charged.

1. Loan currency

A car loan is considered targeted, and therefore, most often, it is issued not only in Russian, but also in foreign currency. If you want to save a little money, always take out a loan in the currency in which payments for cars are accepted by the dealership. And also, do not forget that the exchange rate of the ruble to this currency may change over time in your favor, so you will also be able to save money.

2. Loan term

You must choose the loan term based on your starting conditions. If you are afraid that if you take out a loan for just a few months, you simply won’t be able to keep up with the payments, and you’re scared to think what will happen if you remain unemployed, then you should choose a longer period.

3. Loan rate

It is clear that low rates are better than high ones, but in this case you need to start looking for the best loan not only in an arithmetic sense, but also taking into account your relationship with financial and credit organizations. You can certainly count on more interesting and profitable offers if you go for a loan from a bank where you have already taken out loans, hold your own funds, work, or have partnerships. It is likely that a car loan from Gazprombank for Gazprom employees will be issued on completely different terms (more favorable) than the same loan if applied by an ordinary citizen, an employee of another company.

Gazprombank car loan offers: conditions and interest rate

Gazprombank car loans are suitable for those who prefer classic conditions, and for those who are interested in a specific brand, and even for those who can only purchase a car with support from the state.

Car loan offers are designed for clients with different income levels and different starting positions. The lender issues loans even when the client has no funds of his own. Check out the terms and conditions of this program below.

Car loan program from the bank “Initial payment - 0%”

In this case, each client who applies, after the loan is approved, has the opportunity to become the owner of a brand new foreign car of the following brands - Hyundai, Subaru, Honda, Kia and Suzuki.

Other characteristics of a car loan look like this:

The car loan amount is a maximum of 3 million rubles (in other words, the bank will issue a loan to pay 100% of the price of the car);

The interest rate on a car loan is a minimum of 11.5% and a maximum of 14.5%;

The interest rate on a car loan is a minimum of 9.5% and a maximum of 10.5% (in US dollars).

At first glance, this program seems attractive and interesting, but only when you consciously agree with a limited list of suitable cars. This offer is applicable when the customer purchases Kia Picanto and Kia Rio, Hyundai Solaris, I40 and I30, as well as Elantra from Hyundai, Suzuki SX4, Subaru XV or Impreza, Honda Civic.

Thus, if you are satisfied with this situation, and you were still going to purchase one of these cars, then such a Gazprom car loan was created as if especially for you. Therefore, you can safely submit a loan application on the lender’s website or go directly to a bank branch.

Car loan program from the bank “Car with experience”

If you are still prepared to buy a car and have saved up some money on your own, and you don’t want anyone to limit your choice, then take a closer look at other bank programs, for example, this one.

The brand names are simply eye-popping - Infiniti, Jaguar, Audi and Jeep, BMW and Land Rover, Porshe and Lexus, Mercedes-Benz and Volvo. Any one can become yours if you decide to take a loan with the following characteristics:

The term of the car loan agreement is up to 5 years (if simpler - 60 months) to the maximum;

The car loan amount is at least 90 thousand rubles;

The interest rate on a car loan is a minimum of 15% and a maximum of 16%;

The interest rate on a car loan is a minimum of 10% and a maximum of 12%; (in US dollars);

Also, the borrower must take into account when choosing a suitable car that on the date of full repayment of obligations to the bank, the vehicle must be less than 8 years old.

The bank's security service and legal department clearly monitor each such transaction, so getting a car loan from Gazprombank and buying a car from a relative or family member will not work. And at the time of the transaction, the car must already be deregistered.

Car loan program from the bank “Car with experience (without CASCO insurance)”

Sometimes you want to save on annual expenses and take out an expensive, but more convenient loan from the bank. So, for example, if you do not want to pay every year for a CASCO insurance contract, you can get a loan under a special program designed for this purpose.

Other conditions are similar to those described in the option above, but there are differences:

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 1.5 million rubles;

The interest rate on a car loan is a minimum of 17% and a maximum of 18%;

The interest rate on a car loan is a minimum of 12% and a maximum of 14% (in US dollars);

The amount of client funds is from 25% or more.

Car loan program “Auto-express for a new car”

This offer is relevant for those who want to receive borrowed funds and buy a new car of their own, providing the bank with 15% or more of the price of the selected model.

The term of the car loan agreement is up to 5 years (if simpler - 60 months) for a foreign car, up to 3 years (if simpler - 36 months) for a Russian car to the maximum;

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 900 thousand rubles for a foreign car, 300 thousand for a domestic “iron horse”;

The interest rate on a car loan is a minimum of 14% and a maximum of 15%;

The interest rate on a car loan is a minimum of 9% and a maximum of 10% (in US dollars).

Car loan program from the bank “Auto-express for a used car”

The characteristics of this program generally repeat the conditions for obtaining the loan described above. If you buy a used vehicle with bank funds, then you need to return the entire amount and interest at a rate of 14.5% at a minimum and up to 15% at a maximum. But if you take a loan in dollars, the rate will be 10%.

Car loan program from the bank “Standard for a new car”

If suddenly you don’t like express offers, then Gazprombank offers car loans to new clients and quite classic programs.

The term of the car loan agreement is up to 7 years (if simpler - 72 months) for a foreign car, up to 3 years (if simpler - 36 months) for a Russian car to the maximum;

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 4.5 million rubles for a foreign car, 2.4 million for a domestic “iron horse”;

The interest rate on a car loan is a minimum of 12.5% ​​and a maximum of 16%;

The interest rate on a car loan is a minimum of 9% and a maximum of 12% (in US dollars);

Only in this case will you need to re-register the car you just bought as collateral to the bank. If for some reason this is not profitable for you, but you have other property or a suitable guarantor, then the lender will consider such guarantees.

Car loan program “Standard for a used car”

The term of the car loan agreement is up to 5 years (if simpler - 60 months) for a car less than 3 years old, up to 3 years (if simpler - 36 months) for a car less than 5 years old at the maximum;

The car loan amount is at least 90 thousand rubles;

The interest rate on a car loan is a minimum of 13% and a maximum of 15%;

Collateral - the same as in the case above.

Car loan program from the bank “Car with buyback”

.The term of the car loan agreement is from 3 to 7 years maximum;

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 2 million rubles;

The interest rate on a car loan is a minimum of 14% and a maximum of 15.5%;

Own client funds - 50% or more of the price of the car.

The main subtlety of this proposal is that the bank provides each borrower with 24 months (2 years), when only interest on the loan can be repaid. After this, you will need to decide whether you will continue to pay everything in full on your own in accordance with the schedule and agreement (including the main debt), sell the car back to the car dealership and pay off the money received, or immediately pay the entire balance of the debt.

Special car loan programs from the bank

Car loan program from the bank "Volkswagen Group Rus Company and the Audi brand"

The term of the car loan agreement is up to 7 years or up to 5 years (if simpler - 60 months and 72) to the maximum (depending on the amount of money the client has);

The car loan amount is at least 90 thousand rubles;

Own client funds - 10% or 15% or more of the price of the car.

Audi car loan program - for used cars

Own client funds - 15% or more of the price of the car.

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 3 million rubles;

So if you are satisfied with the conditions, then a car of the specified brand can be purchased to your advantage and benefit and with a minimum of inconvenience.

Car loan program from the bank "Mazda Motor Rus Company and the Mazda brand"

This proposal is interesting because a client who has been approved for a loan can ask the bank to defer the start of payments of the principal amount of the loan for 4 months.

Other characteristics are:

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 4.5 million rubles;

The interest rate on a car loan is a minimum of 10.5% and a maximum of 14.5%;

Car loan program from the bank "Mazda Motor Rus Company and the Mazda brand" - for used cars

The conditions here are similar to the conditions for the program for Audi:

The term of the car loan agreement is up to 36 months or up to 60 months, depending on how many years - 3 or 5 the car is at the time of loan repayment;

Own client funds - 15% or more of the price of the car.

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 3 million rubles;

The interest rate on a car loan is a minimum of 12% and a maximum of 14.5%;

Car loan program from the Hyundai Motor CIS Bank - for used cars

A used Hyundai car can be purchased under the following conditions:

Own client funds - 15% or more of the price of the car.

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 3 million rubles;

The interest rate on a car loan is a minimum of 12.5% ​​and a maximum of 14.5%;

The interest rate on a car loan is a minimum of 10% and a maximum of 11% (in US dollars).

Car loan program from Hyundai Bank - time to choose"

In this case, you have a chance, if you need a car under the Hyundai brand, to buy a car on more favorable terms than those listed above.

The term of the car loan agreement is up to 72 months (that is, up to 7 years);

Own client funds - 10% or more of the price of the car.

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 4.5 million rubles;

The interest rate on a car loan is a minimum of 9% and a maximum of 11% (in US dollars).

Car loan program from KIA Bank - Seize the day

You have a unique opportunity to buy a beautiful and modern car for yourself by borrowing from Gazprombank under one of the two programs described below.

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 4.5 million rubles;

The interest rate on a car loan is a minimum of 10.5% and a maximum of 13.5%;

The interest rate on a car loan is a minimum of 9% and a maximum of 11% (in US dollars);

If you like this program, then you will receive special discounts when purchasing models such as the 2013 Kia Picanto and Kia Pro-Ceed. If not, then check out another offer.

Car loan program from KIA Motors Rus Bank

The term of the car loan agreement is up to 36 months or up to 60 months, depending on how many years - 3 or 5 the car is at the time of loan repayment;

Own client funds - 15% or more of the price of the car.

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 3 million rubles;

The interest rate on a car loan is a minimum of 12% and a maximum of 14.5%;

The interest rate on a car loan is a minimum of 10% and a maximum of 11% (in US dollars).

Car loan program from the bank "Rolf Import Company and the Mitsubishi brand"

The term of the car loan agreement is from 12 to 72 months (that is, from 1 to 7 years) at a maximum;

Own client funds - 15% or more of the price of the car (with a 10% period, the maximum period is 5 years);

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 4.5 million rubles;

The interest rate on a car loan is a minimum of 10.8% and a maximum of 14.8%;

The interest rate on a car loan is a minimum of 9% and a maximum of 11% (in US dollars);

A certificate of income and an insurance contract are strictly required.

Car loan program from the bank Rolf Import Company and the Mitsubishi brand - for used cars

The term of the car loan agreement is up to 36 months or up to 60 months, depending on how many years - 3 or 5 the car is at the time of loan repayment;

Own client funds - 15% or more of the price of the car.

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 3 million rubles;

The interest rate on a car loan is a minimum of 12.3% and a maximum of 14.8%;

The interest rate on a car loan is a minimum of 10% and a maximum of 11% (in US dollars).

Car loan program from the bank “For cars of the brand called “Uz-Daewoo”

For those who like modern, comfortable and affordable cars from the Daewoo manufacturer, then appreciate the following Gazprombank auto loan conditions.

The term of the car loan agreement is up to 72 months (that is, up to 7 years);

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 4.5 million rubles;

The interest rate on a car loan is a minimum of 10.5% and a maximum of 14.5%;

The interest rate on a car loan is a minimum of 10% and a maximum of 11% (in US dollars);

A certificate of income and an insurance contract are strictly required.

You may also be interested in the fact that the company under the name “Uzavto Rus” has provided special discounts for all buyers of cars of this brand - up to 3.2% of the market value of the model you have chosen. In addition, the bank will provide the client, if necessary, with a 4-month deferment on repayment of the principal loan amount.

Car loan program from the bank “For Jaguar and Land Rover cars”

The term of the car loan agreement is up to 72 months (that is, up to 7 years);

Own client funds - 15% or more of the price of the car (with 10% the period is shorter - up to 5 years);

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 4.5 million rubles;

The interest rate on a car loan is a minimum of 10.5% and a maximum of 14.5%;

The interest rate on a car loan is a minimum of 9% and a maximum of 11% (in US dollars);

A certificate of income and an insurance contract are strictly required.

Car loan program from the bank “For used cars of the Jaguar and Land Rover brands”

Fans of cars of these luxury brands can purchase their chosen model with borrowed funds even when it has already been used.

In such a situation, the bank has set the following conditions:

The term of the car loan agreement is up to 36 months or up to 60 months, depending on how many years - 3 or 5 the car is at the time of loan repayment;

Own client funds - 15% or more of the price of the car.

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 3 million rubles;

The interest rate on a car loan is a minimum of 10% and a maximum of 11% (in US dollars);

A certificate of income and an insurance contract are strictly required.

Car loan program from the bank “For cars of the brands Cadillac, Chevrolet and Opel”

The proposals described below echo other special-purpose programs from Gazprombank. Judge for yourself, a new foreign car from the specified manufacturers can be purchased under the following conditions:

The term of the car loan agreement is up to 72 months (that is, up to 7 years);

Own client funds - 15% or more of the price of the car (with 10% the period is shorter - up to 5 years);

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 4.5 million rubles;

The interest rate on a car loan is a minimum of 10.5% and a maximum of 14.5%;

The interest rate on a car loan is a minimum of 9% and a maximum of 11% (in US dollars);

A certificate of income and an insurance contract are strictly required.

Car loan program from the bank “For used cars of the Cadillac, Chevrolet and Opel brands”

The term of the car loan agreement is up to 60 months maximum;

Own client funds - 15% or more of the price of the car.

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 3 million rubles;

The interest rate on a car loan is a minimum of 12% and a maximum of 14.5%;

The interest rate on a car loan is a minimum of 10% and a maximum of 11% (in US dollars);

A certificate of income and an insurance contract are strictly required.

Car loan program from the bank “For a new car from the manufacturer “Honda”

The term of the car loan agreement is up to 72 months (that is, up to 7 years);

Own client funds - 15% or more of the price of the car (with 10% the period is shorter - up to 5 years);

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 4.5 million rubles;

The interest rate on a car loan is a minimum of 10.5% and a maximum of 14.5%;

The interest rate on a car loan is a minimum of 9% and a maximum of 11% (in US dollars);

A certificate of income and an insurance contract are strictly required.

The bank is ready to consider the vehicle purchased by the client as collateral for the loan. In addition, if the borrower uses the loan to purchase manufacturer models from 2012 and 2013 such as Accord and CR-V (excluding Elegance with a 2.4-liter engine), Pilot (excluding Elegance with a 3.5-liter engine), Civic 5D and Crosstour, then Honda Motor Rus offers significant and interesting discounts.

Car loan program from the bank “For a used car from the manufacturer “Honda”

The term of the car loan agreement is up to 36 months or up to 60 months, depending on how many years - 3 or 5 the car is at the time of loan repayment;

Own client funds - 15% or more of the price of the car.

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 3 million rubles;

The interest rate on a car loan is a minimum of 12% and a maximum of 14.5%;

The interest rate on a car loan is a minimum of 10% and a maximum of 11% (in US dollars);

A certificate of income and an insurance contract are strictly required.

Car loan program from the bank “For the purchase of cars from the Suzuki brand”

The term of the car loan agreement is up to 72 months (that is, up to 7 years);

Own client funds - 15% or more of the price of the car (with 10% the period is shorter - up to 5 years);

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 4.5 million rubles;

The interest rate on a car loan is a minimum of 10.5% and a maximum of 14.5%;

The interest rate on a car loan is a minimum of 9% and a maximum of 11% (in US dollars);

A certificate of income and an insurance contract are strictly required.

Car loan program from the bank “For the purchase of cars from the Suzuki brand” - for used cars

The term of the car loan agreement is up to 36 months or up to 60 months, depending on how many years - 3 or 5 the car is at the time of loan repayment;

Own client funds - 15% or more of the price of the car.

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 3 million rubles;

The interest rate on a car loan is a minimum of 12% and a maximum of 14.5%;

The interest rate on a car loan is a minimum of 10% and a maximum of 11% (in US dollars);

A certificate of income and an insurance contract are strictly required.

Car loan program from the bank and Ford Motor Company

Own client funds - 10% or more of the price of the car;

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 4.5 million rubles;

The interest rate on a car loan is a minimum of 10.5% and a maximum of 14.5%;

The interest rate on a car loan is a minimum of 9% and a maximum of 11% (in US dollars);

A certificate of income and an insurance contract are strictly required.

Car loan program from the bank and Ford Motor Company - for used cars

The conditions for obtaining this cash loan are the same as in the case of purchasing a used car of a brand such as, say, Suzuki (see above).

Car loan program “For cars of the brand “FAW” - with collateral

The term of the car loan agreement is up to 60 months (that is, up to 5 years);

Own client funds - 15% or more of the price of the car;

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 4.5 million rubles;

The interest rate on a car loan is a minimum of 12.5% ​​and a maximum of 15%;

A certificate of income and an insurance contract are strictly required.

Each client who uses the loan to purchase such a car has the right to receive a discount from Queengroup - 3% of the market (final) price of the car.

Car loan program from the bank and the Subaru Motor company

The term of the car loan agreement is from 12 to 72 months (that is, from 1 to 7 years);

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 4.5 million rubles;

The interest rate on a car loan is a minimum of 10.5% and a maximum of 14.5%;

The interest rate on a car loan is a minimum of 9% and a maximum of 11% (in US dollars);

A certificate of income and an insurance contract are strictly required.

Car loan program together with Subaru Motor for the purchase of a used car

The term of the car loan agreement is up to 36 months or up to 60 months, depending on how many years - 3 or 5 the car is at the time of loan repayment;

Own client funds - 15% or more of the price of the car.

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 3 million rubles;

The interest rate on a car loan is a minimum of 12% and a maximum of 14.5%;

The interest rate on a car loan is a minimum of 10% and a maximum of 11% (in US dollars);

A certificate of income and an insurance contract are strictly required.

Car loan program from a bank and a company called “UAZ Distribution Center”

If you prefer domestic cars to foreign ones, and especially highlight the UAZ brand, then this program is just what may interest you. Judge for yourself, the conditions are quite favorable:

The term of the car loan agreement is up to 60 months (that is, up to 5 years);

Own client funds - 20% or more of the price of the car;

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 800 thousand rubles;

The interest rate on a car loan is a minimum of 10.5% and a maximum of 14%;

A certificate of income and an insurance contract are strictly required.

By taking advantage of such an offer, the client can buy a UAZ Patriot, UAZ Hunter or UAZ Pickup on preferential terms, and perhaps also receive additional discounts from the distributor.

Car loan program from the bank and the company "Distribution Center of the SanYong brand"

As in other programs described above, in this case the client receives money for a new car sold through a car dealership. In recent years, the SsangYong brand has begun to enjoy increased popularity in Russia, so by developing such a program, Gazprombank certainly did not miss a beat.

The term of the car loan agreement is from 12 to 72 months (that is, from 1 to 7 years);

Own client funds - 15% or more of the price of the car (at 10% the term is 2 years less);

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 4.5 million rubles;

The interest rate on a car loan is a minimum of 10.5% and a maximum of 14.5%;

The interest rate on a car loan is a minimum of 9% and a maximum of 11% (in US dollars);

A certificate of income and an insurance contract are strictly required.

The loan is issued to pay for such models as Kyron, Actyon Sports, Rexton and Actyon, Stavic. At the same time, keep in mind that the loan will not be approved if you work in the gambling business, a private security organization, in the gas industry, are an individual entrepreneur, or work for an individual entrepreneur.

Car loan program from the bank and the company "Distribution Center of the SunYong brand" - for used cars

The term of the car loan agreement is up to 36 months or up to 60 months, depending on how many years - 3 or 5 the car is at the time of loan repayment;

Own client funds - 15% or more of the price of the car.

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 3 million rubles;

The interest rate on a car loan is a minimum of 12% and a maximum of 14.5%;

The interest rate on a car loan is a minimum of 10% and a maximum of 11% (in US dollars);

A certificate of income and an insurance contract are strictly required.

Auto loan programs with government financing

Since its launch in 2009, the state co-financing program for car loans has helped many Russians purchase their own cars on preferential terms. It is therefore not unusual that the decision to close it has left many despondent. Fortunately, or unfortunately, the Russian auto industry was never able to increase the demand for domestic cars, and so the state again activated the project, for the period from 2013 to the end of 2014.

Gazprombank auto loan state program is designed for the widest segments of the population with different levels of income. Even if you have saved up no more than 15% of the car's price, you can apply to the lender.

Car loan program from the bank “Basic State Program”

The term of the car loan agreement is up to 36 months;

Own client funds - 15% or more of the price of the car.

The car loan amount is at least 90 thousand rubles;

The car loan amount is a maximum of 637.5 thousand rubles;

The interest rate on a car loan is a minimum of 7.5% and a maximum of 8%;

A certificate of income and an insurance contract are strictly required.

Car loan program from the bank "Auto-express state program"

There are few differences between this proposal and the one above, except for the fact that:

The interest rate on a car loan is a minimum of 8.5% and a maximum of 9%;

The client will not need a certificate of income.

Car loan program from the bank “State program for Hyundai and Kia brands”

The term of the contract, the amount of client funds, the amount - everything in this case is exactly the same as in the first two programs. However, there are also discrepancies, which are as follows:

The interest rate on a car loan is a minimum of 5.5% and a maximum of 6.8%.

Bank requirements for clients - borrowers

Now that you have examined in detail all the programs presented in the said bank, it is worth familiarizing yourself with the requirements that the lender imposes on clients.

So, you will be able to obtain consent from the bank and apply for a car loan at Gazprombank if you meet the following parameters:

20 years or more (but not older than 55 for women and 60 for men by the date of the last loan payment);

Russian citizen;

Work for a total of 1 year or more, and at least three months at the last specified place of work.

The bank will not charge you any additional fees, with the exception of 50 rubles for transferring a cash loan to the account of the car dealership that sells the car.

It is interesting that Gazprombank allows a situation where a loan is taken out in the name of one client, and the purchased car is registered in the name of another, for example, a relative, and has nothing against it.

The following documents will be useful to you when applying to a bank branch to obtain the necessary loan:

Civil (Russian) passport;

Work record book from work (copy) - participants in salary projects of this bank may not bring it;

Information about the amount of your salary (2NDFL, in another form);

Document on marriage, property, education;

Driver license.

At the end of the article, I would like to note once again that a car loan is a simple and convenient tool, the rational use of which will facilitate the process of buying your own car. However, if you are not confident in your income, or you decide to purchase a car of a brand or modification that you cannot afford, you risk losing both money and the car. After all, if you cannot transfer a certain amount to the bank every month, your car, which often acts as collateral, will be taken away from you, and the debt may still not go away.

Unfortunately, cars become obsolete and become cheaper, so even if sold, the lender will not be able to fully cover the client’s debt. Carefully consider all possible options for purchasing your “iron horse”. It is likely that you will feel safer saving for a couple more years, and borrow the rest from your relatives, who will not take interest from you and will always accommodate you.

Not every financial institution allows customers to apply for a car loan. Gazprombank is one of the reliable lenders, so it is ready to give the joy of buying a car even when there is no money for a full purchase.

Required documents for a car loan

In order to obtain a car loan from Gazprombank, the following documents are required:

• A copy of your passport, which must contain pages with personal data, as well as your place of registration. As a rule, car loans are issued to persons who live in the areas where the bank operates. In addition, the borrower’s age must be between 20 and 60 years;
• Insurance certificate;
• Confirmation of income, which occurs through a 2-NDFL certificate, as well as the presence of an open bank account where salaries are credited. All this is necessary for the creditor to be confident in the solvency;
• Certificates in the bank form;
• Application form filled out at a Gazprombank branch or online;
• In addition, the lender may request additional documents: driver’s license, work record, military ID, etc.

After the borrower brings the necessary papers, the bank will consider the application for a car loan. As a rule, this does not take much time, so within 24 hours a potential client will find out whether he will receive a car loan from this financial institution. If a refusal comes, the bank must explain the reasons for this decision.

Car loan for used cars

Gazprombank issues loans for a wide variety of cars, including used ones. Indeed, due to rising prices for transport, many people choose to purchase a used car in good condition. Therefore, Gazprombank in this sense fully corresponds to the time and demands of consumers.

There are several car loan programs from this financial institution, each of which makes it possible to become the owner of a used car without high costs at the first stage. This is what the approximate conditions for car loans at Gazprombank look like for those wishing to purchase a used car.

The bank helps clients on fairly favorable terms. The loan amount is large, so purchasing a used car will not be a problem. If you need a car for business, then you should think about offers related to commercial vehicles.

New cars on credit

Gazprombank also allows you to buy new cars on credit. Here, a loan is issued for the purchase of both domestic and foreign cars, because this financial institution offers clients complete freedom of choice.

Gazprombank presents quite a lot of programs for purchasing new cars, so it’s easier to make an average table that will demonstrate what conditions borrowers should expect:

The interest rate largely depends on the duration of the loan. So, when repaying the loan in 2 years, the annual rate will be 14%, and if the client can repay the entire amount in 7 years, then the annual overpayment will be 17%. The bank allows you to take out a large loan in terms of amount, so with such a lender you can buy any car.

Loans without first payment

Gazprombank does not provide a car loan without a down payment, therefore, if a potential client does not have the required amount to pay at least part of the cost of the car, the loan will be denied.

Benefits for Gazprom employees

The bank is ready to offer special conditions to Gazprom employees, because these are the people who ensure the functioning of the financial institution and are also the guarantors of the welfare of the entire country. Interest rates for employees are preferential, so it is profitable for employees to take out a car loan. The annual overpayment is about 10%. They also have the following advantages:

• Fewer paperwork for obtaining a loan;
• Loan repayment without the participation of the borrower (money is simply debited from the card every month);
• Other special conditions.

State subsidy

Gazprombank also provides car loans with government subsidies. The country motivates citizens to purchase domestically produced cars, so preferential terms for obtaining a loan apply specifically to them. This only applies to new cars, not used cars. The state subsidy also applies to cars of foreign brands produced in Russia. The conditions for a car loan with government assistance are as follows:

Purchasing a car through such a program is profitable.

Receiving a car

To apply for any of the loans, you need to perform the following algorithm of actions:

• After selecting a car, fill out a loan application form. This can be done at a bank branch, at a car dealership, or on the website;
• You wait from 1 day to a week for the bank to respond. It is worth saying that most often the answer comes within three days or less, but if you do not live in the area where the bank operates, it may be delayed;
• Next, they fill out all the documents necessary to obtain a car loan, pay the down payment for the car and submit the papers to the bank. It is important that the client has all the documents: sales and purchase agreements, insurance, etc.;
• The borrower signs the loan documentation, and Gazprombank transfers the funds to the car seller;
• Now the client gets behind the wheel of the car!

When completing a transaction with Gazprombank, the presence of spouses, a large number of additional papers and other inconveniences are not required. So the borrower will not only receive a car loan, but will also do it with minimal loss of time and nerves.

Important Note

Debt repayment from Gazprombank must be made on time, otherwise the borrower will have problems. The fact is that this financial institution does not always make concessions to clients if they do not fulfill their payment obligations in good faith. So repay your loan on time!

Together with Gazprombank, the borrower will become the happy owner of a car, even if there are not enough funds for the purchase!

Gazprombank car loan makes it possible to get a new car from a foreign or domestic manufacturer. The most favorable car loan conditions are available to holders of prepaid cards. They are offered interest rates starting from 12.75%.

Conditions of a car loan at Gazprombank

A car loan is issued against the security of a newly purchased domestic or foreign car with a minimum down payment. When choosing a car, you should take into account that Russian cars may be on credit for a shorter period than foreign ones. However, the first thing borrowers pay attention to is the interest rates in a particular bank.

Interest rates in 2018

The interest rate at Gazprombank for a car loan in 2018 is set individually and largely depends on the type of borrower and the loan term.

For salary card holders

The table shows the basic conditions for a car loan. They are established for salary card holders and Gazprom employees.

The rates in the second column also apply when purchasing a foreign car from someone other than the bank’s partners.

Favorable interest rates will be offered to those who purchase a foreign car from the lender's partners.

Gazprombank partners where you can get a low interest rate

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For other clients

For other car loan recipients at Gazprombank, the interest rate in 2018 will increase by 0.5%.

The rate rises by the same amount if the car is not purchased from a partner company of Gazprombank or a domestic car is purchased.

For a car loan, it is mandatory to purchase an insurance policy for a new vehicle. Drawing up a personal insurance contract is optional.

The given interest rates for a car loan at Gazprombank 2018 and other conditions are not absolute for all borrowers. Each application is considered individually and may be rejected without explanation.

If your application is rejected by Gazprombank, you can try using a special program.

General requirements for borrowers

Regardless of whether the car loan is issued for Gazprom employees, holders of salary cards of other organizations or other clients, the basic requirements are the same.

Anyone wishing to take out a car loan, or act as a co-borrower on it, must meet the following requirements:

• Russian citizenship.
• Registration: on the territory of the Russian Federation.
• Age: 20 – 65 years (must be no later than the date of full repayment of the car loan).
• Total working experience: from one year; continuous in the last place from 4 months.
• Credit history: good.

The borrower's regular income must be sufficient to make payments on time. When considering an application for a car loan from Gazprombank and setting the interest rate, this is taken into account.

Documents for completing the application

To obtain a car loan from Gazprombank, you will need the following documents:

• application form;
• passport;
• SNILS number;

The following is accepted as proof of income:

• 2-NDFL;
• an account statement from any financial institution, certified;
• certificate in the form of the bank.

In addition to these, the following are sometimes additionally requested:

• information about property objects;
• a duplicate of the work book, contract, certified by the manager;
• driver's license;
• marriage/divorce certificate;
• military ID.

The list of documents also depends on the requested loan amount, the borrower’s current income and the ability to prove them.

For salary card holders, Gazprom employees and existing bank clients, the list of documents may be reduced, and for new clients it may be increased.

The procedure for obtaining a car loan at Gazprombank

The procedure for obtaining a car loan begins with submitting an application. You can submit it in three ways:

• Online on the bank's page.

After reading the terms and conditions, click "Fill out the application"

• At the nearest Gazprombank branch.

• Directly at the place of purchase of the vehicle - at the car dealership.

Review of the application takes 1-3 days. It will take a maximum of 5-7 days to process the application if the location of the bank branch where the loan will be received and the place of registration of the borrower are different.

After making a positive decision:

• Go to the car dealership to draw up a sales contract and CASCO insurance if you do not plan to arrange it elsewhere.
• Make a down payment and submit the completed documents to Gazprombank personally or through a car dealership employee.
• Sign a loan agreement with the bank, and the bank will transfer the money to the seller’s account.

Don’t forget to also provide the title to Gazprombank after registering the vehicle with the traffic police.

Refinancing a car loan at Gazprombank

Car loan refinancing is not carried out at Gazprombank in 2018. Although in general such a service is provided in this bank, and clients are offered...

To clarify the details of the possibility of refinancing a car loan for 2018 and selecting the most suitable program, contact Gazprombank directly using the toll-free unified help desk number *0701 or personally contact an employee at the nearest branch.

If necessary, you can take out a regular loan from Gazprombank to refinance a car loan at another lending institution. The rate on it is from 11.4-11.9% for a period of up to 2 years. The rate increases when:

• submitting an application not through the website;
• lack of personal insurance;
• receiving wages from the bank.

For all this, 2 percentage points are added. to the main interest rate. You can take out such a loan for a maximum of 7 years at an interest rate of up to 14.25%. Loan amount – up to 3.5 million rubles.

Make sure that such refinancing will be truly profitable.

Conclusion

Gazprombank offers to obtain a car loan in 2018 at an interest rate of 12.75% per annum. The most attractive conditions are offered to salary card holders and corporate clients - Gazprom employees when purchasing a foreign car from the lender's partners. The minimum contribution can be only 15%.

At the beginning of 2018, the client portfolio of Gazprombank JSC (individuals) totaled more than 5,000,000 people. Of these, 38% either previously used or are currently repaying a consumer loan. According to the results of a survey conducted in March of this year, the lender ranks second among Russian banks in terms of the attractiveness of car loans. On what terms does Gazprombank offer a car loan, and how can you get the minimum interest rate on a loan to buy a car?

The lowest rate under the targeted car purchase loan program is 12.75%. This is for new clients or borrowers who apply for a loan on standard terms. When refinancing - transferring a loan product from another bank to Gazprombank JSC - the interest rate is reduced to 11.9% (minimum).

However, to obtain the lowest cost, the borrower must meet a number of requirements:

• receive a salary on a GPB card;
• apply for a car loan at partner showrooms or from automakers with whose representative offices the lender has entered into a cooperation agreement;
• have no overdue debts.

The lender uses a table of increasing coefficients, according to which the minimum car loan percentage increases by 0.5–1.5 percentage points for those who:

• not connected to the bank’s salary project;
• refuses to insure life and disability under the group insurance program;
• I do not agree to provide a guarantor.

The cost of a car loan is also tied to the duration of the loan. The most favorable terms for a targeted car loan from Gazprombank are available to borrowers who are interested in a loan for 2–5 years. If the loan is needed for less than 2 years or more than 5 years, the rate increases from 12.75 to 14.75%.

As part of seasonal or regular promotions, the percentage varies depending on the conditions of the request. Those who apply for a car loan from Gazprombank online receive the minimum price.

Conditions for individuals

Basic conditions of a car loan for individuals:

• loan size – from 100 thousand rubles (minimum amount) to 2.4 million (domestic cars) or 4.5 million (foreign cars);
• term – from 6 months to 3 years when purchasing a Russian-made car or 7 years when purchasing an imported vehicle;
• car loan base rate – 12,75–14,75%;
• late payment penalty – 0.05% for each day of delay;
• commissions (transfer of funds to a car dealership, reservation of money, processing of documents) are absent;
• an initial fee – 15–20%;
• application processing time – from 1–3 to 5–7 working days;
• deposit required (purchased car);
• surety bond recommended.

Lending is possible only within the network of partners (car manufacturers, dealers, showrooms, sales companies). As of May 2018, GPB's partner base includes 51 organizations that sell cars of various brands. A number of sellers work both under credit sales programs for new vehicles and used cars.

The lender operates with standard car loan conditions (without reference to the car manufacturer or model) and special offers. By using the latter, the borrower can obtain use of cars from the Mazda, Kia, Hyundai, Nissan, Subaru and other popular brands on preferential terms (a joint program with dealers or Russian representative offices).

Insurance

The basic car loan program involves compulsory and voluntary insurance. Casco is a mandatory item (with the exception of special offers and promotions), collective personal insurance is de facto voluntary, but de jure it increases the cost of the loan by at least 0.5–1 percentage points.

Unlike many colleagues, Gazprombank JSC accepts any insurance contracts. That is, it coordinates the issuance of a policy with a third-party insurer, provided that it meets the requirements of the lender. GPB’s own database of insurance partners includes all companies from the top 20 list of the Central Bank. The borrower has the right to choose a comprehensive insurance program that suits him:

• with a franchise;
• limited set of risks;
• various payment conditions (the beneficiary is always the bank or the creditor acts in its role only in the event of total loss or theft).

State program

According to the current conditions for lending with government support, you can get a car loan from GPB with a 10% discount on the down payment. There is an attractive government program here:

• rate – 10.5%;
• amount – up to 960 thousand rubles;
• period – up to 3 years.

Loans with state support are offered only for new cars manufactured in 2017–2018. issues collected in Russia (the cost should not exceed 1.45 million rubles). The minimum advance payment is 20% (half is paid by the state). The loan can be obtained for a first car or a family car (family with two children under 18 years of age).

Car loan without down payment

JSC Gazprombank does not offer car loans under standardized programs without a down payment. But there are exceptions to this rule:

• promotional conditions (joint offers from the lender and automakers);
• consumer non-targeted lending.

Conditions for Gazprom employees

The benefits of a car loan at GPB are available if at least two conditions are met:

• the borrower is the holder of the lender's salary card;
• the car is purchased within the affiliate network.

There is one more condition that will make a car loan from Gazprombank more attractive - a position in a financial company. GPB offers benefits and a simplified lending program for its own employees and employees of its partners.

The main benefits that a car loan from Gazprombank provides for registered Gazprom employees:

• minimum package of documents (only passport and application form);
• connected automatic write-off of repayments (from a salary card);
• reduced percentage (from 10.9%).

Advantages of Gazprombank

The advantages of car loans at GPB include:

• quick approval (usually within 3 days);
• favorable interest rates (10.9–14.75%);
• no requirements for the spouses of borrowers (consent is not required to receive a loan; not only the husband or wife can act as a guarantor);
• the borrower and the mortgagor can be different people (a loan to buy a car for a son or wife);
• the borrower has the right to choose the insurer himself (including outside the dealer’s showroom or the lender’s partner network);
• optimal loan amounts (up to 2.4–4.5 million rubles);
• maximum repayment period (up to 7 years for new foreign cars);
• a huge selection of brands and models of cars financed within the network;
• loyal conditions for salary card holders and employees of financial institutions;
• no commissions when issuing (it’s easy to calculate the overpayment);
• free early repayment.

The list of cons is not that long, but they are there.

1. Mandatory comprehensive insurance and the impact of personal insurance on the rate.
2. A targeted car loan at Gazprombank involves strict conditions for external clients (without salary cards and other lender products).
3. Increasing factors when calculating interest.
4. The borrower can only take out a car loan from Gazprombank, which is issued for a purchase within the partner network.

Requirements for the borrower

Anyone who:

• has Russian citizenship;
• reached the age of 20 years (upper limit – 65 years);
• officially worked for at least 12 months, of which at least 4 in one (last, current) place;
• has zero or positive credit history;
• has no outstanding debt obligations under collateral programs;
• receives a constant income sufficient to service the stated loan amount.

The bank approves loans for both one borrower and several co-borrowers (if the official salary is not enough). In the latter case, the same requirements are imposed on the co-borrower (and the guarantor).

Documentation

For holders of Gazprombank salary cards and internal borrowers (employees), a simplified scheme for obtaining a car loan is available. They need two documents - a passport and military ID, driver's license or TIN (your choice).

For others, the required package of documents includes:

• passport + identification code;
• military ID (persons under 27 years of age);
• SNILS (its number is simply indicated in the application form);
• confirmation of solvency (according to a bank form or a standard 2-NDFL income certificate) for the last 4–6 months.

Additionally, the bank may request a copy of the work book or employment contract, diploma, marriage (or divorce) certificate, foreign passport, account statements in other financial institutions. For a large loan amount, it is advisable to provide a certificate of ownership of land, another car, expensive equipment, house, cottage, apartment or other valuable property.

Registration procedure

The algorithm of actions when applying for a car loan for the purchase of a foreign or domestic car at Gazprombank includes 5 steps:

• car selection (brand, version, seller from the partner network);
• submitting an online application and agreeing on conditions;
• making a purchase in the salon (if approved) and making an advance payment;
• transfer of documents to the bank (transfer of funds is usually carried out same day, but may take several days);
• signing loan documents, issuing comprehensive insurance (personal insurance) and transferring title to the lender (until full repayment of the debt).

Upon transfer of funds from the financial company to the dealership (dealer, partner), the borrower takes the car. He can apply for comprehensive insurance and transfer the title to the lender within a few days after registering the car.

How to get a car loan from GPB if you have debt obligations

Along with standard target programs, Gazprombank has an on-lending offer. That is, a borrower with existing credit obligations can receive a loan to repay them and purchase (in excess of the amount of the debt) a car. Refinancing conditions:

• maximum amount – 3.5 million rubles;
• term – 5–7 years;
• collateral is optional, but increases the chances of approval;
• down payment – ​​no;
• no commissions;
• rate – 11.9–14.75%.

To obtain a loan to close current loans from other banks, you need exceptional payment discipline and a minimum of 6 payments made (for existing obligations).

As you know, the Russian credit market is currently going through difficult times. The protracted economic crisis in the country, sanctions and a general decline in production could not but affect this segment of banking activity. Gazprombank is one of the most powerful financial institutions in the Russian Federation. Let's consider the conditions under which Gazprombank provides a car loan.

Gazprombank car loan terms

This bank issues loans for the purchase of a car to both private borrowers and legal entities.

The maximum loan period for domestic cars is three years. The minimum base loan rate for a period up to one year inclusive is 15%. The rate increases in proportion to the time of loan repayment and, with a maximum period of 5 or 7 years, can be 17.5%. Moreover, such a condition applies only if you purchase a foreign-made car at partner showrooms. If this condition is not met, the rate will increase by half a percent.

The down payment will be 15% of the cost if the vehicle is purchased from bank partners and 20% in all other cases.

Like other similar institutions, Gazprombank car loan conditions are collateral for the purchased car when receiving a loan.

The maximum loan amount for the purchase of a new foreign-made vehicle is 4.5 million rubles. For domestic cars – 2.4 million rubles.

The base rate will increase by half a percent for persons who do not have a salary account with Gazprombank or have had one for less than three months.

More detailed information can be found on the bank's website gazprombank.ru.

The conditions for car loans from Gazprombank can be found on the company’s official website in the section For private clients - Purchasing a new car

Competitive advantages of Gazprombank

• The processing time for applications is up to three days maximum.
• No commission for granting a loan.
• No commission for transferring money to a car dealership.
• Possibility of obtaining a loan for someone else.
• Possible consideration of total household income.
• No fees for current account maintenance.
• Possibility of early repayment of the loan.
• Any payment methods for the loan taken.
• Possibility of receiving a free card.
• Same monthly payments.
• No minimum early repayment amount.
• Pledge of other property of the borrower.
• Possibility of attracting guarantors.

Requirements for borrowers

The main requirements for potential clients under the terms of Gazprombank auto loan:

• Be at least 20 years old.
• Having Russian citizenship.
• Have a residence permit in the territory of the constituent entities of the Russian Federation.
• Proven experience of at least one year.
• At least four months of current experience.
• Positive history of loans taken.

List of documents for obtaining a car loan at Gazprombank

To conclude a loan agreement under the terms of Gazprombank auto loan, the following documents will be required:

• A completed loan application form.
• Copy and original of civil passport.
• Form 2-NDFL from the place of work.
• Original salary account certificate.

If necessary, the last two documents can be replaced by a certificate in the Gazprombank form.

In addition, in some cases additional documents may be required:

• Driver's license.
• Certificate of registration or military ID.
• Certificate or diploma of completed education.
• Work record book in the form of a certified photocopy.
• Certificate of marriage or divorce.
• Documents confirming the existence of other property.
• Certificate of existing credit history.

Details can be obtained by calling the multi-channel phone number 8 800 100-0701.

Algorithm for obtaining a car loan

After making a final decision on a loan under the terms of a Gazprombank car loan, you need to fill out an application. You can do this in three ways:

• On the Gazprombank website.
• At the nearest Gazprombank branch.
• At a Gazprombank partner car showroom.

There are two types of online applications on the website: an express form for contacting a bank employee and a full form for applying for a car loan.

Within 1-3 days, the bank will review the application and communicate its decision. It should be emphasized that the period for consideration of the application may increase to seven days if the place of registration of the potential client is outside the area of ​​operation of the bank branch.

If a positive decision is received, the borrower’s next step will be to draw up paperwork at the car dealership - a contract for the purchase of a car and CASCO insurance, as well as making the first payment. It should be noted that the insurance contract can be issued outside the salon. After submitting the original documents to the bank, you will need to sign a loan agreement.

Based on the agreement, the bank will pay the car dealership the remaining amount, after which it will be possible to pick up the title and car.

It should be remembered that after registering the car with the traffic police, according to the terms of the Gazprombank car loan, the title must be immediately transferred to the bank branch.

Car loan nuances

It is obvious that the activities of this financial institution are aimed primarily at providing similar services to holders of salary accounts in Gazprombank. As a client, you can count on a humane loan interest rate and a loyal attitude.

An extensive network of branches and a large number of ATMs allow you to make loan payments without difficulty and extra fees.

Despite significant positive aspects, such as the substantial size of the possible loan and its repayment period, a loan from this bank also has its negative sides - the mandatory down payment and CASCO registration. According to the terms of obtaining a car loan, CASCO may come with a franchise. This is a definite advantage for potential borrowers.

In general, Gazprombank’s conditions for a car loan differ slightly from the requirements of other similar financial institutions.

Video: Gazprombank - loans for any purpose on favorable terms