A car loan at Rosbank can be obtained under two programs: "Classic car loan" and express loan "According to two documents". Loans can be issued in the amount of 60 thousand to 5 million rubles. The indicated amounts can be used to purchase a Russian car or a foreign car from an authorized dealer.

Today, only new cars are offered on credit. Loans are not available for used cars.

Interest rates on auto loans from Rosbank range from 23.8% to 29%. They depend on a number of parameters:

1. The amount of the down payment (the larger it is, the lower the rate).
2. Loan term (the longer the loan is issued, the lower the rate).
3. Documents confirming income and work experience.

Conscientious borrowers and payroll clients are provided with preferential interest rates. They are reduced by 1% in relation to the rates for new customers of Rosbank.

Separately, it is worth noting that in Rosbank you can get a car loan without CASCO. But the stakes will be higher. Without insurance, a loan will cost an average of 6% more.

The spread of rates for is from 29.8 to 35%.

This significantly reduces the benefit received as a result of undocumented insurance.

For borrowers who decide to issue CASCO, Rosbank makes certain concessions and allows insurance to be included in the loan amount.

The terms for consideration of loan applications at Rosbank depend on the amount requested by the borrower and the region where the loan was issued. Relatively small loans (up to 600 thousand rubles) are considered within an hour. If the amount exceeds 600 thousand rubles. then the bank may extend the borrower assessment procedure up to 1 business day, with a loan amount of up to 3.5 million rubles. up to 2 days. In the Far East, Siberian and Ural Federal Districts, waiting for a response from a bank can take up to 3 days.

Consider the bank's requirements for borrowers in more detail.

Conditions for car loans under the Classic Car Loan program

As part of the classic lending program from Rosbank, you can get a car loan for cars of categories "B" and "C". In the latter case, when applying for a loan, a restriction is imposed: the initial payment cannot be less than 40%.

General lending conditions for classic car loans:

1. Loan amount: from 60 thousand to 5 million rubles.
2. Loan term: from 6 months to 5 years.
3. Minimum down payment: from 20%.
4. With an initial payment of 20%, the interest rate varies from 24.3 to 25.3%.
5. With an initial payment of 50%, it ranges from 23.8 to 24.8%.

A classic loan involves the mandatory execution of CASCO, in addition to which the borrower can conclude a life and health insurance contract.

Conditions for car loans under the program "Car loan under two documents"

This loan program allows you to get a loan for a new car category "B" without proof of income. The conditions for granting an express loan differ from the standard option in the following ways:

1. Maximum loan amount: 1 million rubles.
2. With a down payment of 20%, the interest rate is 28-29%.
3. With a down payment of 50%, the interest rate ranges from 26.5 to 27.5%.

Thus, an express loan allows you to get a smaller amount on the terms of applying higher rates.

Compared to the beginning of 2014, in 2015 the conditions for car loans at Rosbank became more stringent. The minimum down payment has increased from 10% to 20%. The interest rates on loans also increased significantly.

The Bank has become more selective in the choice of collateral objects - used car lending programs are no longer provided. However, these trends in changes in loan programs are characteristic of most Russian banks.

Requirements for borrowers on car loans from Rosbank

A potential borrower of Rosbank must meet a number of requirements. Applications for a car loan are accepted only from citizens of the Russian Federation who are registered in the region where the bank is present.

Available to borrowers over the age of 22. At the same time, at the end of the loan term, he should not be more than 65 years old.

The borrower is required to have a permanent job. His seniority in the last place should not be less than 3 months.

Requirements for the minimum income to take a car loan are not specified by Rosbank.

Documents required for obtaining a car loan from Rosbank

The list of mandatory documents that you need to provide to the bank when applying for a car loan includes an application form for a loan, a passport, as well as an additional document of your choice (passport, driving license, SNILS, military ID, TIN). Men under the age of 27 may be required to have a military ID.

The rest of the documents are optional, but they allow you to get a lower interest rate and increase the chances of the bank making a positive decision on. This list includes:

1. A copy of the work book or employment contract.
2. Marriage certificate (if available - marriage contract) - it is required when changing the surname.
3. Documents confirming income (income certificate 2-NDFL, salary account statement, tax return, etc.).

Certificates of temporary registration and birth of children may be required.

It should be noted that when applying for a loan in the amount of more than 600 thousand rubles. and the inability to provide documents confirming income, a copy of the work book is required.

Buying at has its own nuances. The bank will need to provide rights with an open category "C".

If third parties will drive the car by proxy, you will need to provide copies of their driver's license.

Advantages and disadvantages of car loans from Rosbank

Having considered the conditions for car loans at Rosbank, a number of advantages of this type of loan can be distinguished. The advantages include a rather large amount of car loans, the possibility of alternative confirmation of income without a 2-personal income tax certificate, as well as the inclusion of CASCO in the loan amount.

Rosbank provides car loans for category C commercial vehicles, which distinguishes it from other banks.

The disadvantages of a car loan from Rosbank include the need for CASCO insurance for the entire period of the loan agreement. Car loan payments require the obligatory registration of a bank card. An additional fee is charged for its service.

Rosbank is one of the leaders in the domestic car loan market. Here you will be offered a wide range of different programs, so you will not have any difficulties in choosing the most favorable conditions. Consider the opportunities that cooperation with this financial structure opens up for you.

Car loans with Rosbank. What does the client get?

By taking a car loan in this bank, you can:

• Buy any car you like.
• Pay it off in many ways.
• Apply for a loan with a small down payment - 20% (for cars of category "C" - 40%).
• Choose standard or special CASCO conditions, as well as not insure the car at all.

In addition, Rosbank has state support programs - subsidies. With their help, its private and corporate clients can significantly reduce the interest rate. However, in order to benefit from such preferential schemes, certain additional conditions must be strictly observed. For example, if with a standard car loan system you can take a loan for up to 5 years, then with state support the maximum repayment term is reduced to 36 months.

You will not need guarantors, as the vehicle you purchase will be in the bank's collateral property. This nuance allows you to speed up and simplify the process of obtaining a car loan. Loan amounts vary from 300 thousand to 5 million rubles. Interest rates, depending on the lending conditions you choose, start at 8.33% (the lowest interest is charged when you connect the state subsidy program).

Consult with Rosbank managers (this can be done both in the branch and online) and choose a car loan for yourself.

Car loan for the purchase:

• cars of domestic and foreign manufacturers
• commercial vehicles with a maximum authorized mass of up to 3.6 tons

You can also get a used car in a car loan, but from an authorized dealer and with a guarantee. We are interested in the quality of the car you are purchasing, therefore we do not lend to the purchase of a used car from a private person.

• loan amount up to 12 million rubles
• rate from 0.1 to 16.7%
• loan term up to 5 years, for some models - up to 7 years

Auto loan with deferred payment - what is it?

You choose a % of the car's value to be repaid in one last loan payment. This is the deferred payment. The remaining amount is broken down into monthly payments for the term of the loan. At the end of the loan term, you can repay the deferred payment in one of 3 ways.

• completely by own means
• split into parts - roll over the loan
• return the car to Trade-in against the cost of buying a new car and repaying an existing loan. The difference between the buyout price and the amount of the residual payment can be made as a down payment

Requirements for the borrower

• citizenship of the Russian Federation
• registration and permanent residence in the region where Rusfinance Bank operates
• age: from 23 to 65 years old at the time of loan repayment
• official employment in the territory of the Russian Federation
• continuous work experience at the last place of work - at least 4 months (when applying for a loan for a new car)
• continuous work experience at the last place of work - at least 6 months (when applying for a loan for a used car)
• providing at least 2 contact numbers

Documents for registration

• Russian passport
• one of the documents to choose from:
  • driver's license
  • international passport
  • SNILS
  • military ID

If the car loan amount is from 1 million rubles, then you must provide a document confirming income (certificate in the form 2-NDFL). With an initial payment of 40% on a car loan for a foreign car, a document confirming income must be provided in the amount of 1.2 million rubles.

Insurance

At the dealership, when purchasing a car on credit, you can also apply for OSAGO, CASCO, life insurance and GAP insurance. Some car loan programs provide for a reduction in the interest rate when applying for insurance.

You can pay for the insurance policy by including the amount in the body of the loan, or with your own funds.

Rosbank offers car loans for every taste and color - with a minimum down payment, with and without insurance, in rubles and in foreign currency, with and without an income certificate. Let's try to understand this diversity and understand under what conditions and at what interest rates you can buy a car on credit at Rosbank.

Autostatus

The interest rate on the Autostatus car loan for new cars at Rosbank ranges from 11.5% to 16% in rubles or from 8.5% to 13% in foreign currency (dollar or euro). In this case, the amount is from 60,000 to 5,000,000 rubles and from 2,000 to 170,000 dollars / euros. The loan term is also quite wide - from 6 to 60 months.

The Rosbank website has a convenient program selection assistant, a loan calculator and the ability to apply.

Autoexpress

You can purchase under the Autoexpress program - a minimum package of documents and an accelerated registration procedure are required. In this case, the loan is issued only in rubles and not more than 1,000,000, for a period of up to 5 years.

The interest rate varies in the range from 14.5 to 18.5% depending on the amount, term and down payment on the car loan.

Under the Autoexpress program, you can buy a car without CASCO insurance, but only by insuring your own life and health, but the loan amount is limited to 500,000 rubles and the interest rate increases to 27%.

Car loan for used cars

Rosbank is also ready to issue a loan for the purchase, both imported and. The car loan amount is limited to 3,000,000 in rubles or 100,000 in foreign currency. As in the case of new cars, interest rates are affected by registration or refusal of CASCO, the amount of the down payment and the presence or absence of documents on income, so the range of fluctuations is quite large from 14 to 27% per annum.

Documents for obtaining a loan from Rosbank

The indispensable conditions for obtaining such a car loan are the following package of documents: a passport, a second document of your choice (driver's license, passport, TIN, compulsory pension insurance certificate), as well as a military ID or deferment document for men of military age.

If the loan amount exceeds 600,000 rubles. or 20,000 US dollars / Euros, documents confirming the financial condition of the borrower are added to this list - a certified copy of the work book, documents on marital status.

In the case when the down payment is less than 10% of the cost of the car, as well as when the loan amount is more than 1,500,000 rubles / 50,000 US dollars, an additional document confirming the official income of the borrower is required.

All lending options imply compulsory car insurance for CASCO, as well as. If only the car is insured, the interest rate increases by several points.

The procedure for obtaining a car loan in Rosbank

All of the above programs apply only to the purchase of a car in a car dealership with a cashless transfer. The procedure for early repayment of a car loan without restrictions is also provided. The one-time cost of the commission for issuing a loan is 6,000 rubles.

Resume website

Considering the variety of offers of Rosbank, the famous monologue of Arkady Raikin “Deficiency” is recalled -

Are there shoes?
- Eat!
- Are there black ones?
- Eat!
- Lacquered there?
- Eat!
- Black top, white bottom?
- Eat!
- Is there a white top, a black bottom?
- Eat! …

So I want to continue
- Do you have it in dollars?
- Eat!
- And without certificates of income, is there?
- Eat!
- Do you have insurance?
- There are ... we have a lot of things.

One of the leaders in the field of car loans in Russia is Rosbank, which cooperates with both private and corporate clients, offering a number of profitable programs. The main purpose of such programs is to help in choosing and buying your own car.

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

Conditions of a car loan with an initial and without a down payment

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

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

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

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

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

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

Car loan programs in Rosbank for new and used cars

A few years ago, Rosbank customers could, under the Car Loan for the Purchase of a Used Car program, take a used car on credit without CASCO. Moreover, the maximum age of a used vehicle on the day the loan expired should not exceed twelve years for foreign-made cars and five years for domestic cars.

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

The following table will help you understand the current car loan programs from Rosbank:

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

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

How to get a car loan from Rosbank

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

Rosbank imposes the following requirements on its customers for obtaining a car loan:

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

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

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

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

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

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

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

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

There are the following main options for making payments on the loan:

1. In banking branches of Rosbank.
2. In ATMs of Rosbank and its partners, which have the function of receiving funds.
3. With the help of systems for remote payment "Rosbank Online" and "Internet Bank".
4. Using Eleksnet self-service terminals, from Beeline and MTS mobile accounts.
5. Through the YandexMoney online payment system.
6. By postal transfer in the branches of the Russian Post.
7. In bank branches of other banks.
8. In special points for repaying the loan "Zolotaya Korona", Beeline and others.

Bank customers can take advantage of the possibility of early repayment of debt immediately after the start of the car loan program.

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

• Full: when all obligations are removed from the client.
• Partial: the car loan program continues to operate, but its conditions change (for example, the installment amount is reduced while maintaining the loan term, the term is changed while maintaining the payment amount). With a partial method, the main debt is closed first.

To carry out early repayment, it is necessary to write and submit an appropriate application to the bank (at least one business day before the date of early repayment) and deposit funds to the credit account.

Refinancing a car loan in Rosbank

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

Rosbank offers refinancing programs for the following categories of clients:

• Salary, receiving wages to a bank account.
• Corporate employees who are included in the privileged partner category.
• Employees of enterprises of a budgetary and financially stable type, as well as conscientious customers.

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