PJSC Sberbank is a social bank that offers loans for the most low interest. This status provided so much excitement around him credit products, that the company decided to withdraw the most widespread loan for the purchase of a car into a separate line - to provide it through a subsidiary.

This does not mean that you can only get a car loan from Sberbank through Cetelem Bank. But this approach allowed the lender to expand its offer of targeted loan tariffs.

As of today, Sberbank operates two main car loan programs:

• Standard “Classic” loan, issued with confirmation of the client’s income and complete package documents.
• Car loan "Express" based on two documents.

This is a “end-to-end” classification of car loans in Sberbank for individuals, which is valid for all tariff offers. The tariffs themselves are developed:

• for the purchase of new cars (“Standard”, “Partner” and its modifications in 2018, “Business”, “Eurostandard”);
• for the purchase of used cars (“Reliable”, “Auto online”, “Used cars”, “Special”).

As part of the target program (classic Sberbank car loan), loans are issued only to individuals.

Citizens

Citizens of the Russian Federation have access to everything tariff plans, valid as of March 20, 2018. The average interest rate on a car loan provided by Sberbank is 14–15%. For salary clients – from 12.5–13%. Both state support programs are in effect (purchase of a first car and family transport).

• military personnel;
• family citizens aged 32–35 years;
• pensioners;
• holders of any cards;
• key employees of partner organizations.

A car loan from Sberbank is available to citizens in 2018 for the purchase of new and used foreign cars, domestic cars, motorcycles, and commercial vehicles. It is possible to get a loan without purchasing comprehensive insurance and personal insurance. For registration of insurance it is offered bonus program discounts (the rate is reduced by 1–5 percentage points).

A guarantee is not required, but may increase the approved loan amount. Borrower with insufficient official salary can involve a guarantor as a co-borrower in order to receive the required amount for the optimal period.

Legal entities

• under one of the standard or partnership programs (a joint product with an automaker), if the transport is issued to a key employee, manager, etc.;
• under a corporate lending program (targeted, non-targeted), then the car is provided as collateral and can be registered on the balance sheet of the enterprise;
• as part of loan refinancing (Sberbank offers car loans to legal entities as part of restructuring programs) without providing the purchased car as collateral.

For entrepreneurs

You can apply for a car loan for profitable individual entrepreneurs at Sberbank according to one of two scenarios:

• by analogy with a loan for individuals (the car is pledged, insured, and its owner is the entrepreneur);
• as a loan for an individual entrepreneur, if he has been working for at least a year and has shown sufficient profit for the last 6 months.

Conditions

Basic conditions obtaining a profitable car loan from Sberbank for citizens and to corporative clients:

1. Amounts, terms, rates:
   • the loan is issued in the amount of 0.1–16 million rubles;
   • the term of the loan agreement is from one to five years;
   • the interest rate in 2018 was in the range of 11–23% (average – 15.5%).
2. An initial fee:
   • partnership programs– from 0%;
   • basic conditions – from 15–20%;
   • when purchasing domestic cars – from 29%;
   • for loans for premium cars size down payment increases from 30–50%.
3. Insurance:
   • comprehensive insurance – mandatory or desirable;
   • Personal insurance is optional, but provides a discount on the rate.
4. Pledge:
   • under targeted lending programs - a purchased car;
   • for corporate clients – a loaned car + additional collateral for real estate or goods in circulation;
   • under the refinancing program, corporate lending, non-targeted consumer loan- absent.
5. Commissions for processing documents, filing an application, issuing, transferring to a car dealership, etc. – none.
6. Limitations and clarifications:
   • For women on maternity leave, a car loan is not issued until the child reaches the age of 6 months;
   • all young people under 27 years of age, regardless of basic requirements, provide a military ID (service ID for officers);
   • Borrowers with a damaged credit history will not receive a loan.
7. After submitting an online application for a car loan indicating the loan amount at Sberbank, the wait lasts from an hour ( salary clients) up to 2–4 days.

List of required documents

The set of documents for a car loan at Sberbank depends on the lending program.

1. For a car loan in the “Classic” mode you need:
   • two identification documents (passport + international passport, driver’s license, TIN, SNILS, compulsory medical insurance or pension);
   • confirmation of profitability (optional - standard certificate in form 2-NDFL or bank);
   • military ID (certificate for contract military personnel);
   • additional documents (on request): turnover on accounts in other banks, ownership of an apartment, dacha, land.
2. To apply for a car loan at the Express tariff, the client is required (except for a passport) to have only one option to choose from:
   • SNILS;
   • driver license;
   • international passport.

Requirements for a potential borrower

To apply for a targeted car loan at Sberbank, the applicant must:

• have Russian citizenship;
• provide at least two telephone numbers (one – landline or corporate);
• reach 21 years of age (not older than 75);
• have income (official or unofficial);
• have worked for at least a year (continuous work experience for the last 5 years);
• have worked in your last place of employment for at least six months.

Car loan payment schedule at Sberbank

Sberbank offers favorable interest rates from 11%. But in order to reduce the lending rate to a minimum, the borrower is required to fulfill a number of requirements. Not everyone can do this, because the cost of loans varies greatly even for clients of the same age with the same income.

This makes it difficult to calculate on your own. Although it is possible to approximately estimate the amount of expenses. To do this, you need to look at the bank’s tariffs, take the average percentage for your category of borrowers in order to:

• calculate the overpayment for the first year (loan amount multiplied by the interest rate);
• add it to the required loan amount;
• divide everything by 12 months;
• get an approximate payment when lending for a year.

If you cannot repay a large amount in 12 months, it is easier to use a special calculator to calculate the monthly installment. It is available online and easy to use.

In a simple form (on the website of a bank or service that offers a popular car loan calculator financial organizations) you need to enter:

• loan amount;
• desired period for using the money;
• data on conditions (guarantor, pledge);
• the amount of the down payment.

Calculating a car loan through Sberbank will take up to 10 seconds. However, upon consideration of the application, the final schedule may change (if the lender approves a longer or shorter period, a smaller amount, increases the rate for refusing insurance, etc.).

Registration procedure

You can quickly take out a small car loan from Sberbank by applying online or in person, at a branch, or at a car dealership, if a representative of the creditor company is present there. The processing time for an application depends on the client’s status:

• First of all, requests from the bank’s existing partners are considered - for holders salary cards, users of RKO programs, the review period will be 1–1.5 hours;
• applications from new borrowers and other clients banking organizations are considered within 2 days (in some cases the bank can take up to 4 days to make a decision).

After approval of the application for the required amount, the client has six months to find suitable transport (180 days). The make of the car may not be indicated in the application form, but it should not belong to the category of cars whose purchase Sberbank does not finance. This applies mainly to products from the Chinese and Indian automobile industries.

Sberbank issues targeted car loans for used imported cars when purchasing them at dealerships or private car dealerships. To receive a loan and transfer money to the seller, the borrower needs an invoice for the car and a copy of its title.

After they are provided, the bank signs loan agreement, insurance is taken out, translation is carried out and a purchase agreement is concluded at the place of sale. The original PTS remains with the lender until full repayment loan.

Advantages of car loans at Sberbank

Users themselves include the following advantages of a car loan from Sberbank:

• large lending limit (maximum amount up to 8–16 million);
• simple, understandable tariffs;
• lack of imposed services and products (except for pension cards for older borrowers);
• interest-free early repayment;
• the ability to attract a co-borrower (spouse, business partner, guarantor) so that the loan is approved based on the income of two people;
• a long period of time to find a car after approval of the application;
• loyal rates;
• existing programs with government support;
• the ability to refuse any insurance;
• favorable lending conditions for salary clients;
• profitable car loan unemployed and pensioners at Sberbank;
• convenient programs for pensioners (here the age limit is up to 75 years);
• a large selection of joint partnership programs with automakers;
• convenient payment verification service;
• a simple tariff system in which you can choose a convenient loan servicing format.

Disadvantages of car loans at Sberbank

There are also significant disadvantages:

• high rate (15.9–23%) when refusing personal insurance and comprehensive insurance;
• obligatory deposit (car) targeted programs;
• limited offers for youth under 21;
• high requirements for new clients (all bonuses are received by the bank’s current partners);
• comprehensive insurance is issued only from an insurer from the creditor's list;
• an initial payment of 20% or more is almost always required;
• long approval of applications for new borrowers.

Insurance

For four of the nine main tariffs, comprehensive insurance is not mandatory. At Sberbank, this is formalized by allocating a separate tariff block “without comprehensive insurance” within the program. When choosing such lending conditions, the borrower chooses one of three:

• draws up a policy from your insurer and submits it to the bank (the rate may be revised);
• does not purchase insurance at all;
• issues a comprehensive insurance policy with a large deductible and limited risks.

This opportunity is not available for the Business, Standard and New Partner programs. Car insurance is mandatory and is taken out when issuing a loan.

Personal insurance may not be purchased with any of the loans, but most plans include detailed instructions How to get discounts and bonuses through personal insurance:

• increasing the loan term;
• discount on interest rate (depending on the program and amount);
• extended period of use of borrowed money.

Special offers

Savings Bank is the largest market participant financial services in Russia. It cooperates with more than 10 automakers and offers tailored loan programs for the purchase of their cars.

The lender’s list of special opportunities includes joint credit programs for the purchase of cars:

• Ford;
• Cadillac;
• Chevrolet;
• Skoda;
• Volkswagen;
• Audi;
• Subaru;
• Lamborghini;
• Bentley;
• Porsche;
• Hyundai.

In addition to popular brands of the European, Korean, and American markets, Sberbank offers car loans for iconic families of Chinese cars. This is one of the most interesting solutions, since the products of the Chinese automobile industry are taboo for lending in most large financial institutions. At Sberbank you can get a car loan for the purchase of new Faw, Ravon, Lifan, Geely.

There are interesting conditions within the framework of affiliate programs for buyers of Lada, UAZ, GAZ cars. In the special offer mode, motorcycles are financed (including under the joint Harley-Davidson Finance program).

Among other special services of a financial company, the following deserve attention:

• A non-targeted loan that can be used for any purpose, including the purchase of transport, for military personnel. Issued in an amount of up to 1 million rubles for 5 years at 13.5–14.5%.
• Targeted car loan “New Partner”, for which you can conclude a long-term comprehensive insurance agreement (for the entire repayment period) at a minimum rate. Issued for 1–5 years at 14.9–17.7% with a minimum down payment of 20% in the amount of 0.1–8 million rubles.

Differences in lending conditions for different borrowers

The most comfortable conditions at Sberbank are enjoyed by young employed people, entrepreneurs, regular corporate clients and pensioners (it’s not called social for nothing). When lending to borrowers of different ages under different loan servicing conditions, the terms of use change.

For students

So, students have the only option to buy a car with credit money from Sberbank, for this they need to:

• get officially employed;
• work for at least a year (half of this period with one employer);
• show real income (certificate signed by the head of the employing company and the chief accountant).

The rate is set at 15–17%. Comprehensive insurance is mandatory, personal insurance is advisable in order to receive an adequate percentage. You must provide a military ID and be 21 years old.

For pensioners

For older borrowers, Sberbank offers a car loan for pensioners under the age of 74 (at the time last payment The borrower must not be older than 75, and the minimum loan term is one year). Average percentage for holders pension card bank - 13–14%. For new pensioner clients – 16%. One of the conditions for obtaining a loan will be the transfer of pension to the lender. A guarantee is de facto mandatory (you can try without it, but the likelihood of refusal will increase).

When assessing the borrower’s solvency (in order to approve a car loan for the required amount for pensioners at Sberbank), the following are taken into account:

• turnover on pension, salary (working pensioner), debit card;
• data on pension amounts;
• additional income (transfers from relatives) – official and unofficial.

When lending without an advance payment

You can get a car loan from Sberbank without any down payment using only one of the programs. This loan is not issued for new cars ( minimum advance is 15–20%).

For used cars (up to 3–7 years), it is possible to approve a loan without a down payment under the “Used Cars” program. Conditions:

• amount – up to 2 million rubles;
• term – from 1 to 5 years;
• rate – 12.9–17.4%;
• you can refuse comprehensive insurance (maximum rate);
• personal insurance is optional;
• there are no commissions;
• If desired, the client can make an initial payment to reduce the loan amount by an amount from 5 to 90%.

Car loan in Sberbank without guarantors

Sberbank's main car loan programs require a guarantee. The following may act as a guarantor:

• spouses;
• relatives (for pensioners – aged 30–50 years);
• business partners;
• leaders.

The bank is reluctant to approve a loan without a guarantor. But such a decision can be agreed upon if one proves solvency and obtains the consent of the spouse for family borrowers. The loan amount will be small, the term may be reduced to 2-3 years, personal insurance will be a prerequisite. The bank will factor its risks into the interest rate (from 17–18%).

Borrowers with bad credit history

A bad credit history is a big disadvantage for a Sberbank borrower. If there are existing overdue debts or regular violations of payment discipline in the past, a car loan will be denied.
Options in this case:

• correction of credit history (all existing loans must be repaid, used for six months debit card or a credit card, regularly paying for services);
• registration of a deposit in a bank;
• attracting a guarantor with an ideal credit history who will act as a co-borrower on a car loan.

Loans for the purchase of new cars

Sberbank programs for the purchase of new cars are offered in two design options (with a complete list or according to two documents - “Classic” and “Express”).

Tariff plans:

• Car loan "Standard" issued for 2–5 years at 14.9–18.2% in the amount of 0.1–4 million rubles with an advance of 20%. A comprehensive insurance policy, a guarantee, and a car as collateral are required. Personal insurance gives a discount of 1–5% of the loan cost.
• Loan "Partnership" in the amount of up to 16 million rubles for all cars, including Chinese ones, at 12–18% with a return period of up to 5 years and an advance payment of 20%.
• "Business" – a loan of 0.4–8 million rubles for 5 years at a maximum of 12–15% with compulsory insurance cars and a contribution of 20–30%. Suitable only when purchasing the car brands indicated in the list.
• "New partner" with comprehensive insurance for the entire repayment period at 14.9% for a minimum of 5 years for a maximum amount of up to 8 million rubles.

All car loans are available to Russian citizens aged 21–75 with permanent residence and 0.5–1 year of employment experience. Issued without commissions, accounts are connected for control in the Internet bank and reflected in mobile application. The application can be submitted online.

Car loan for used cars

If you want to buy a used car, the borrower can take advantage of the following offers:

• Targeted car loan , which Sberbank provides used foreign-made cars up to 7 years old. Tariff name: “Reliable”. Issued for cars under 7 years of age (foreign cars) at 17.9–21% without personal insurance and 13.9–15.9% with a personal insurance policy. You can refuse comprehensive insurance. The car is pledged. The repayment period is 2–5 years.
• "Auto online" – a simplified program for lending used cars in the amount of up to 2 million rubles. Term – 5 years, rates – 17–19%, mandatory down payment of 20%. The loan can be applied for online.
• "Used car" – standard loan for a used car up to 2 million rubles at 12.9–17.4% per annum with an advance from 0%. The maximum age of a purchased car is 3 years for domestic vehicles and 7 years for imported ones. Bail is required, a surety is required.

As in the case of car loans for new vehicles, standard requirements for borrowers apply here (age, profitability, citizenship) and there are no fees, including a penalty for early repayment. The minimum loan amount is 100 thousand rubles.

State program of subsidized support for car loans

In 2018, there are two preferential government programs for users of targeted loans. Sberbank has them:

• "First car" – a loan for the first car with repayment of 10% of the advance payment for the borrower by the state.
• "Family car" – car loan for a family with two children in Sberbank with government subsidies. 10% of the cost of the car is paid from the state budget.

To apply for preferential conditions, you need to provide a passport, TIN, and also:

• for a subsidy when purchasing a first car - confirmation that the borrower does not own any other vehicle;
• to buy a family car - birth certificates of two children.

In both cases, the user of the benefits undertakes not to enter into car loan agreements in 2018 (except for a loan with state support). Only cars from 2017–2018 are eligible for the programs. issues worth up to 1.45 million rubles. A car loan from Sberbank is repaid under each state program for no longer than 3 years.

Refinancing loan 2018 from a savings bank

In addition to targeted programs, you can get a car loan from Sberbank through refinancing. This loan format is available to the self-employed, citizens, and corporate clients. It assumes a high-quality restructuring of all debt obligations.

In 2018, car loan refinancing is offered at Sberbank under the following conditions:

• total amount – up to 3 million rubles;
• rate – from 13.5%;
• total repayment period – up to 5 years;
• the number of loans that are refinanced is up to 5;
• no guarantee needed.

Refinancing under such a program makes sense when:

• the borrower has several debt obligations with a short repayment period (the ability to stretch out repayment, reducing the monthly burden on the budget);
• By existing loans the rate is higher than 14–15%;
• It’s inconvenient to pay five different loans on different dates.

How to get the best interest rate at Sberbank

The lender offers the best conditions to citizens of the Russian Federation who belong to a preferential social group. Military, pensioners, large families Sberbank offers optimal conditions with benefits. Plus, they highly value existing clients and the ability to verify their solvency (turnovers on cards issued by banks).

The most profitable Sberbank car loan for individuals and legal entities those who receive:

• ready to transfer cards and deposits to the lender for servicing;
• can confirm official income;
• agrees to confirm the seriousness of the attitude towards obligations (involve a guarantor, co-borrower).

To get the optimal interest rate, you should understand special offers and monitor promotions from automakers-partners of the bank.

Sberbank car loan interest rate 2018 calculator

Is it inconvenient for you to commute every day? public transport to work, study or on business? Or maybe you need to transport heavy bags, a stroller with a child or a carrier with pets? Do you want to avoid the crush on the subway and bus?

If you do not have enough personal savings, then a car loan will help you. After you have chosen an iron horse for yourself at a car dealership or one sold by a private individual with low mileage, then it’s time to choose the optimal lending program for yourself.

Everything about a car loan at Sberbank in 2018

It is possible to issue a car loan only to an individual, and purchased vehicle will be collateral that cannot be sold, donated, or exchanged until the loan is closed.

Sberbank issues car loans on different conditions:

Regular – A down payment of at least 10% of the cost of the car is made, the remaining amount is distributed over the loan period;
Express – you will be asked only for two supporting documents, the amount of the down payment must be at least 40%, and consideration of the application and decision on issuance Money occur on the same day;
No down payment - Interest on such a program will be very high, since the financial institution includes everything in this cost possible risks;
For a used car - The purchase takes place in a showroom or from a private person, you can choose a domestic car industry or a foreign car, but with the conditions that the car is not older than a certain age, mileage, etc.;
For a new car – Issued at a car dealership after selecting a car and the bank’s approval of the borrower’s candidacy; CASCO in this case can be paid from one’s own funds or included in the loan.

Car loan is issued:

Car dealership when purchasing a new or used car;
Any bank that has this type of lending.

In this article, as an example, we will look at car loans in a bank whose name is on everyone’s lips – Sberbank.

Car loan from Sberbank in 2018

Sberbank today is one of the leaders in lending to individuals and legal entities on the Russian market. Car loans are a very common and popular service at Sberbank. Today, the bank offers three loan programs: classic, partnership and government subsidies. A classic loan can be issued both in rubles and foreign currency, and the rate on such a loan will be lower - from 11.5%. The loan with state support applies to new cars manufactured in our country, released in 2018. The essence of the program is to reduce the interest rate by closing part of the government loan. subsidies. The partnership car loan program at Sberbank provides for a reduction in the price of loans for cars from manufacturing plants that are partners of the bank. In 2018, this is more than 10 automakers.

Lending from Sberbank in 2018 has the following conditions:

Citizen's age is from 21 to 75 years;
Mandatory registration on the territory of the Russian Federation;
Experience of at least 6 months. at the last place of work;
Maximum amount loan 5 million rubles;
Down payment of at least 15%;
The loan term is not less than 3 months and not more than 5 years;
Interest rate from 14.5% to 16% per annum;
Mandatory supporting documents (passport, work book and 2-NDFL certificate, or if the down payment is increased to 30%, it is allowed to present a pension insurance certificate, driver’s license, international passport, military ID instead of financial documentation);
Mandatory registration of CASCO;
No commission for early repayment;
Repayment during the lending period in equal payments;
Possibility of receiving government subsidies when purchasing a new car;
Possibility of receiving a discount from a car dealership when purchasing a new car or a used car of certain brands.

Sberbank also offers accelerated car loan processing for its clients who have an open salary project. For pensioners, the bank offers the following conditions for obtaining a loan: age up to 75 years, receiving a pension at a Sberbank branch, interest rate - 16%. In the case of pensioners, Sberbank also applies an individual approach to assessing borrowers - they take into account additional income borrower, which can increase the size of the loan; the presence of guarantors can increase the loan term by 5 years.

Car loan calculator at Sberbank for 2018

If the above conditions suit you, then do not rush to run to the nearest Sberbank branch. All you need to do is have any electronic device, having access to the Internet. By using any search engine or going to the official website of Sberbank, you can easily find a calculator for calculating a car loan. It will help you instantly calculate the terms of payment and repayment of any loan program, trace the dependence of the payment amount on interest or the term of the loan. online calculator car loan from Sberbank for 2018. Its graphical interface is convenient and intuitive for all categories of users. It is necessary to enter the following in the special columns important information :

Amount of credit;
Credit term;
Interest rate;
Other advanced options.

After carrying out the online calculation, you will be able to clearly see both in numerical terms and in the form of a pie chart following data :

Amount of monthly payments;
Full amount loan with interest;
The total number of overpayments on interest for the entire loan period.

The data obtained will help you plan your budget wisely, understand whether it’s worth saving up a little more savings or whether you can safely apply to Sberbank for a loan.

It is important to understand that any information obtained through online calculation is for reference only. The final offer for the car loan program will be specified in the contract upon its conclusion.

The online car loan calculator of Sberbank of Russia will help you calculate the overpayment and monthly payment, according to popular bank lending programs. Select the most favorable lending conditions by calculating overpayments across different banks.

Currently, Sberbank has three car loan programs. The main program provides for a loan of up to 5,000,000 rubles for a period of up to five years. The interest rate under this program varies from 13.5% to 16% depending on the amount of the down payment and the loan term.

In addition to the basic program, Sberbank offers clients other, even more favorable conditions. The bank actively cooperates with dealer centers of manufacturers. When you buy a new car in one of them, you can get a car loan at a significantly reduced rate.

Car loan programs of Sberbank of Russia:

Note! You can change the calculation parameters (namely the cost of the car, the interest rate, the loan term, the amount of the down payment) in the left “loan parameters” window.

How to calculate a car loan at Sberbank of Russia?

In order to calculate the overpayment on a car loan at Sberbank, fill out the form in the upper left corner of the page. To make the calculation accurate, you need to know the interest rate on the loan, the cost of the car, the size of the down payment in ruble equivalent, and the required loan term.

Enter this data into the car loan calculator and click the "calculate car loan" button. Within a couple of seconds, the application will automatically process the received data and issue a comprehensive report.

• Total amount of overpayment.
• The amount of the monthly loan payment.
• The total cost of the car (price + overpayment).
• A tabular payment schedule showing monthly payments and the remaining debt.

Buying a vehicle using funds raised through a loan has today become one of the most convenient and easiest options. All you have to do is express in writing your desire to receive a car loan from a bank or car dealership. But to choose a more profitable loan program, it is not at all necessary to visit all credit organizations and car dealerships. It is enough to read the information on the websites of banks and car dealerships on the Internet and, having studied all the offers, choose the one that is more attractive for you. On our website we will look at a car loan from Sberbank.

Car loans Sberbank

Sberbank has a fairly competent marketing policy. By and large, he has two car loan programs:

1. car loan for both new and used cars;
2. auto loan for a car with government support.

The first type of car loan is issued for the purchase of both domestic cars and foreign cars. The maximum amount is 5,000,000 rubles. Of course, it decreases based on the client’s solvency. This car loan may be granted for a period of up to five years. Interest rates for car loans at Sberbank start at 14.5% per annum. In this case, CASCO registration is mandatory. You must also contribute at least 15% of the cost of the insured car. For clients receiving their income through Sberbank, the loan interest will be reduced by another 1%.

Car loan Sberbank conditions

To obtain a loan, a citizen is subject to the following requirements:

• The age of the person borrowed must be at least 21 years old, but not exceed 75 years when the loan expires;
• the citizen must be registered in Russia either permanently or temporarily;
• a citizen must have worked at his last place of work for at least six months, and a total of at least a year within five years. For clients transferring their cash rewards to plastic card Sberbank has reduced this condition by half.

To obtain a car loan, you must provide at least two documents. One of them must be a passport with a registration mark.

For those who pay at least 30% of the cost of the loan object, there is no need to provide documents to confirm income. IN otherwise it is necessary to prepare additional Required documents.

To confirm income and employment, 2-NDFL certificates are most often provided. Business owners and individual entrepreneurs provide for the last tax year copies of your declarations.

There are partnership programs with various car dealerships; they can provide additional preferences and discounts for purchasing a car from them.

The state support program consists of compensating 2/3 of the loan rate when purchasing a new car and paying own funds at least 15% of the cost of the car on credit. This program is the most profitable for buying a car.

One of Sberbank’s exclusive offers when applying for a car loan is the provision credit card limit of 200,000 rubles. Other banks do not have such a bonus.

Calculate car loan Sberbank

Majority credit institutions make it possible to calculate all the parameters of a car loan: determine the total amount, the interest rate, the loan repayment period and minimum size monthly fee. This function is implemented in the form loan calculator on the Sberbank website. If you wish, you can receive online consultation from bank employees, and also at the same time apply for a loan under the program you like, or use the online car loan calculator from Sberbank.

Sberbank car loan calculator

Applications for car loans can be found on websites in various forms. Some ask you to enter the minimum parameters, and then contact the institution by phone. Not the most convenient option, since after all this you will still need to go to the bank, fill out the application again, provide all the necessary documents and wait for the final verdict.

It is most convenient to work with Sberbank, which offers to enter as complete information as possible in the application on the website. In such questionnaires, you will need to fill out not only all the items that are present in the standard application, but also provide a list of documents and certificates that the client will provide as proof of his creditworthiness. The application will be reviewed and the client will receive a preliminary decision on the provision of a car loan. After this, it is enough to bring the original documents to the bank and confirm the accuracy of all the data specified in the application form.

Sberbank online car loan

Things to consider when applying:

• The form can be filled out not only directly on the Sberbank website, but also on the car dealership website. Majority official dealers provide a similar opportunity both in Moscow and in many regions. The convenience of this method is that you can choose a convenient car loan rate from several car dealership partners.
• if the priority is to choose Sberbank, and then a car dealership, then you need to fill out an application on the official website of the selected credit institution. It is worth remembering that online applications are available to citizens of the Russian Federation who have permanent registration in the region where Sberbank is located.
• Do not provide incorrect or deliberately false information in your application. The information provided by the client in the online questionnaire is verified in the same way as information submitted directly to Sberbank. False information will deprive any opportunity to get a car loan and ruin credit history forever.

Conditions for car loans at Sberbank

Let's look at the application procedure and the basic information that needs to be provided.

In the form filled out on the website of a car dealership or Sberbank, you must answer a number of questions and indicate personal data. It contains mandatory fields, without which the application simply will not be completed, as well as optional ones, also called optional. In the absence of information in optional items, the bank may place the client in a “risk group,” which will significantly increase the interest rate even in the case of a generally positive decision.

In the required fields you will need to indicate:

• borrower details;
• monthly income and documents confirming it;
• the amount of the down payment on the loan;
• the full cost of the car, make and year of manufacture;
• indicate a new or used car, confirm the availability of insurance.

Do not forget that the shorter the questionnaire and the smaller the number of questions asked, the higher the rate on the loan provided. Therefore, it is better to spend more time filling out a detailed application and get a loan on better terms. It usually takes 15-30 minutes to fill out the questionnaire.

We remind you of the requirements for borrowers applying for a car loan at Sberbank:

• age from 21 to 75 years;
• citizenship of the Russian Federation;
• more than 6 months of experience at your place of work.

When applying for a car loan to Sberbank, you need to provide the following documents:

• Passport;
• Application form;
• Documents confirming the borrower’s work activity and the income he receives, or another identity document of his choice;
• In the absence of permanent registration - a document confirming the temporary registration of the borrower;
• Documents for the purchased car.

Not everyone can afford to buy a new car, which makes the offers of car loans from reputable banks more relevant. An interest calculator will help you choose a car loan from Sberbank in 2019, accurately determining the best offers and monthly payment at the tariff rate. Variability of offers to individuals from largest bank in Russia and the availability of additional shares from third party companies make choosing a car loan a responsible task that requires studying all the pitfalls for the loan best choice.

Redesigned in 2019 credit offers, producing improved conditions for customers. This policy makes you think about choosing lending services from Sberbank. The Bank provides not only preferential terms, but also cooperation with manufacturers of domestic and foreign cars, offering promotions for a certain model range. The basic conditions for all offers are as follows:

• minimum interest rate – from 10.9%;
• loan term from 3 months to 5 years;
• The minimum contribution is 15% of the cost of the purchased vehicle. There are offers without a down payment;
• Rubles, dollars and euros are offered for loans.

You can calculate your loan in detail using an online calculator available on the Sberbank website. This way you can accurately determine the monthly payment amount and interest rate. The calculator interface prompts you to enter the following data for processing:

• the cost of the purchased vehicle;
• the amount of down payment you are able to make;
• currency used;
• loan term and interest rate;
• date of first payment.

The system will process and systematize the information, producing accurate data and monthly statistics. First, you need to familiarize yourself with the main car loan offers.

Main loan programs and their conditions

Today there are 3 popular car loan programs:

• standard;
• affiliate;
• preferential

The standard solution is relevant for the cost of a car from 45 thousand to 5 million. The interest rate here is from 15 to 17 percent, and the payment period is from 3 months to 5 years. Current Sberbank clients can receive a 1% discount, which is a pleasant addition to the conditions. The standard down payment is 15% of the cost of the car, but the bank offers a no-deposit option. You will need to provide a copy of the insurance for the vehicle you are purchasing and complete documentation confirming that you are providing the vehicle as collateral.

The affiliate option applies to the purchase of certain models in official car dealerships, offering a lower interest rate and the availability of a variety of promotions, which can be tracked online on the Sberbank website.

The preferential program offers government subsidies. Let's consider this issue separately.

Sberbank car loan with government subsidies – 2019

Subsidies are provided for the purchase of new cars worth up to a million. If the vehicle costs less than 750 thousand, you need to pay 85% of the cost, the rest of the debt is paid by the state. The maximum term of this offer is 3 years. The interest rate is 8-10%, but it is not fixed. The interest is regulated by refinancing. The advantageous offer is available to all individuals, including pensioners. The promotion applies exclusively to models from domestic manufacturers.

How to get a car loan for pensioners

Loan conditions for pensioners differ little from usual ones. Required to provide:

1. copy of passport;
2. a copy of your driver's license;
3. income certificate;
4. an application drawn up according to a special sample from Sberbank.

A copy must be provided along with your passport pension certificate. Up to 65 persons are allowed for lending at the time of conclusion of the agreement. For a down payment of more than 30%, the bank will not require guarantors.

Sberbank recommends purchasing cars from a showroom. In this case, you not only get a new vehicle for favorable conditions, but also an additional guarantee, insurance and further service. The bank supports the development of the domestic automotive industry by reducing interest rates and helping to pay off 15% of the cost of transport.

Having chosen a Sberbank car loan with an interest rate in 2019, the calculator will help you choose best option. Please study the current offers in advance and read the additional terms and conditions of the loan. Sberbank is known for its advantageous offers and is in demand by the residents of Russia.