East Bank car loan with mileage. Auto loan in Orient Express Bank

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Buying a vehicle is not difficult, because many financial institutions provide appropriate loans. For example, Vostochny Express Bank issues a car loan to citizens on very attractive terms.

Car loans at Orient Express Bank

Before applying for a loan, you should clarify the details of the transaction and the key conditions for granting a loan (requirements for borrowers, down payment, interest rate). Vostochny Express Bank provides a car loan for a used car or a new car only from the salon on certain conditions. You can get a preliminary answer through the online application.

Advantages

Vostochny Express Bank provides car loans with the opportunity to issue "loan holidays" in difficult life situations. In addition, it should be noted a lot of other advantages:

The maximum loan term is 84 months, while most banks lend for no more than 60 months.
Vostochny Express Bank allows you to issue a car loan without a down payment.
If desired, the client of the Eastern Express Bank can be refinanced in another financial institution.
In certain circumstances, in agreement with the bank, Vostochny Express Bank provides a car loan for the purchase of a used car.

In this regard, tens of thousands of citizens (including through an online application) who dream of a personal car come here.

Loan terms

Under the terms of car loans, you can purchase a used car or a new one without a down payment after filling out an online application. Here you can also apply for a women's loan to buy a car. Conditions are close to standard, slight differences in the interest rate.

The purchased vehicle will serve as collateral for the transaction until the loan is fully repaid. This condition is the key difference between a car loan and a consumer loan.

The key conditions for granting a loan to Vostochny Express Bank are expressed in the following:

Until the borrower fully repays the loan under the agreement, it is prohibited to sell, donate or change the car.

The pledge guarantees the bank a refund if the client stops making payments (the car is sold, and the proceeds go to the bank).

A feature of car loans in Vostochny Express Bank is the absence of the need for compulsory insurance of the purchased vehicle under OSAGO and CASCO.

The presence of an insurance policy also guarantees the return of money to the bank under the terms of the loan in the event of an accident or theft of a car.

Loan programs

This financial institution currently offers several lending programs that can be obtained through an online application.

"AutoCASH" is a program available to all categories of citizens, without collateral, guarantees and the need to issue CASCO. You can buy any car not older than 2006 of release. The amount that the borrower can claim is 200-500 thousand rubles. The maximum loan term is 5 years. The interest rate, depending on the loan amount, varies between 19-31% per annum. "Personal loan" For those who are already a client of this financial institution, a special preferential offer is provided: "Personal" loan. Vostochny Bank issues a car loan to a positive client at a reduced interest rate of 23-26% per annum. The term of the loan is up to 60 months. This option is one of the most popular products of the bank today. "Women's car loan" Currently, the fair sex driving a car can be found very often. In this connection, Orient Express Bank has developed a special program for women. Car loans for girls are provided on the following conditions:

You can make a purchase in the salon, at the car market or from a private person.
Vehicles of domestic and foreign production are allowed.
Loan term - up to 7 years.
The loan amount is 200-500 thousand rubles.
No initial deposit required.
The women's loan rate is 26.5-27.5%.
If necessary, you can repay the loan ahead of schedule, without commissions and penalties.

In case of refusal to provide PTS on the date of registration of a car loan, the borrower receives an increased interest rate.

Requirements for borrowers

In order for the bank to approve a client's loan application after submitting an online application, certain requirements must be met. The applicant must:

Officially work from three months;
Be at least 21 years of age and not older than 65 years of age;
Submit proof of income;
Have registration at the place of residence in the region of application;
Have a driver's license;
Have a positive credit history.

You can get pre-approved within the same day you submitted your online application. The interest rate will be finally determined after a detailed study of your application and will be announced at the time of signing the contract.

Loan payment calculation

Correctly calculating how much you will have to pay the bank for your new car every month means getting a profitable loan. Analyze interest rates and other terms of the contract from a financial point of view in advance. Find out how you can lower your interest rate (online application for a loan), and what actions you can take to increase it.

Interest rate

Another feature of the offers of this financial institution is a progressive loan interest rate. The actual overpayment on a loan depends on the loan amount, credit history and income level of the client.

The minimum interest rate threshold is 19% per annum, and the maximum is 31%.

There is no information in the public domain about how much the interest rate can be reduced for customers who have already used the services of Vostochny Express Bank, want to submit an online application again and have a positive history. There is also no information about what interest rates are formed for payroll clients. You can find out in person or by calling the contact center at 8800-100-7100.

For convenience and accuracy of calculations, you can find on the website of Orient Express Bank not only an online application form, but also an online car loan calculator. It will help you understand the lending system of this financial structure and display a report on the program that the client needs and a convenient interest rate.

Contact customer support to find out what favorable conditions may be available to you when applying for a "Women's car loan"

Calculator

To calculate the monthly payment and overpayment before submitting an online application, it is recommended to use a loan calculator on the bank's official website. It is very convenient and helps to quickly calculate the most suitable offer for a particular applicant.

How the calculator works:

You enter the desired amount that you plan to receive after submitting an online application.
The calculator automatically calculates the regular payment.

We draw your attention to the fact that you will not be able to choose an interest rate or see how it changes on this online service. The calculator calculates for informational purposes. The real amount will be determined by a loan officer after he compares your data according to the bank's established parameters and determines the conditions under which car loans will be available to you.

More information about the loan

Conditions and interest rates, as well as requirements for borrowers, are the key characteristics of a car loan. However, it is important to pay attention to the possibility of filling out an online application, as well as to study the reviews of users of this product.

Making an online application

In addition, an online application for a car loan from Vostochny Express Bank is submitted through the official website at any time of the day. This is very convenient, because the client does not need to waste time in queues.

A client who wants to personally communicate with a specialist can fill out a special online application or a form on the website, which will offer a convenient meeting time for a personal transfer of a loan application. You only need to determine the date and issue that you would like to discuss with the bank.

An online application specifically for a car loan on the website of Oriental Express Bank is not available. However, you can leave your details on the cash loan form. A specialist will contact you by the provided number and clarify the purposes for which the funds are supposed to be received. Will it be a female car loan or are you interested in standard car loan conditions.

Choosing a company for obtaining a car loan is a responsible process, which must be approached with all seriousness. The list of banks that are considered as potential creditors should include only institutions that are reliable.

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These companies include Orient Express Bank. The institution has been present on the Russian market since 1991. Previously, the company provided funds only to residents of the Far East, but now its representative offices have begun to appear in the western regions.

To understand all the pros and cons of cooperation with the institution, you need to carefully study the conditions under which the company is ready to provide funds for the purchase of a car.

About the service

The car loan service Vostochny Express Bank is a profitable opportunity to obtain capital for the purchase of a vehicle.

The company has a whole list of tariff plans that allow you to choose an offer, guided by personal ideas about profitability.

Some categories of citizens will be able to take advantage of preferential tariff plans. Vostochny Express Bank cooperates with various dealers and car dealerships. This allows the institution's clients to count on receiving additional discounts.

Conditions

By starting cooperation with the organization, a person will have the opportunity to purchase both new and.

Moreover, it is not necessary to take a used car in the cabin. The organization allows you to get a loan for a car owned by a private person.

A client who wants to use one of the company's offers will be able to use them even if the selected vehicle is sold on the car market.

The capital issued on credit can be used to improve the car or purchase additional equipment for it.

Vostochny Express Bank has a number of advantages over its competitors:

the institution is ready to provide and deposit;
the organization operates a number of bonus programs;
if a person receives a loan to buy a car in an organization, she will be able to pay the borrower's utility bills for a certain period; for the operation, the institution is ready to provide up to 1.5% of the car loan amount.

Interest rate

Interest rates in the company are higher than those of similar institutions. If a person takes a loan for the first time at the Eastern Express Bank, he must prepare for the fact that the amount of overpayment will be 27.5-29% per annum.

To transfer money to the account, the company will take an additional commission. Its size is 4.9% of the amount, but not less than 250 rubles.

Amount and terms

Vostochny Express Bank is ready to provide funds for up to 5 years. The organization has relatively small credit limits. In an institution, you can get no more than 1,000,000 rubles.

Through the page of the institution, you can make an appointment with a representative of the organization, who will help fill out the application and, if it is approved, will carry out further processing.

Required documents

Orient Express Bank is distinguished by a minimal list of documents. You can get a loan from a company only with a passport. However, persons under the age of 25 will have to submit an extended package of papers.

Along with the passport, a person will have to submit to the company a certificate confirming the monthly amount of income, and a copy of the work book, in which there is a mark on official employment.

Treaty

When the application is approved, the company's specialist will offer the client to read the loan agreement and sign it.

As the domestic credit market recovers, major Russian banks are expanding and updating their product lines, returning to them many products that were abandoned at the height of the crisis. Among these financial institutions is the Eastern Bank, which returned to its line of car loans for the purchase of cars in salons and from individuals.

Vostochny Bank - car loan without down payment and CASCO

In KB Vostochny, car loans are issued at 19-29% per annum. The cost of raising borrowed funds in a financial institution is determined on an individual basis. CB Vostochny Express Bank does not disclose the formula for calculating the interest rate.

In the branches of the bank, on credit for the purchase of a car, you can take from 100 thousand to 1 million rubles. Vostochny Bank provides car loans for a period of 1 to 5 years.

The credit institution does not insist on CASCO registration, but if the TCP is not provided on time, the loan rate rises to 32.5% per annum.

Requirements for borrowers and purchased machines

Vostochny Bank offers a car loan to citizens of the Russian Federation over 21 years old, whose age at the time of loan repayment will not exceed 76 years. The loans of the financial institution are designed for Russians living in the region where its branches are present.

KB Eastern car loan issued to individuals with experience in the last job for a period of 3 months. Persons under the age of 26 can get a car loan at East Bank if they have experience at the last place of work for a period of 1 year or more.

In KB Vostochny, you can take a car loan for the purchase of used cars of category B no older than 10 years. When buying cars of Indian, Iranian, Chinese and Russian brands on credit, the maximum age of the vehicle is reduced to 3 years.

Pros and cons of applying for a car loan in the Eastern Bank

The main advantage of car loans from a financial institution is the absence of a mandatory down payment, which allows you to purchase a car even in the absence of personal savings. In addition, at Vostochny Bank, car loans are issued without CASCO - while the organization does not even raise the rate if you refuse to insure the car against theft, theft and damage.

East bank car loan provides both for the purchase of cars in car dealerships and from individuals - this distinguishes loans from financial institutions from competitors' offers. In addition, in the East bank, a car loan is issued literally within a day and without any certificates and a copy of the work book. To obtain a loan in this financial institution, only the passport of the borrower is sufficient.

The main disadvantage of a bank car loan is the individual approach of a financial institution to setting a loan rate without announcing the formula for calculating the cost of raising borrowed funds. In addition, Vostochny Bank issues a car loan exclusively for the purchase of used cars, refusing to provide loans for the purchase of new vehicles.

Vostochny Bank is a universal credit institution with a well-developed network of regional branches. Since May 12, 1991, he has been licensed by the Bank of Russia to conduct operations with the funds of citizens and enterprises in rubles and foreign currency; entered in the register of banks participating in the mandatory deposit insurance system, is a professional player in the securities market. Provides all types of banking services presented in the financial market.

The head office in Moscow is located at the address: 119034, Moscow, Gagarinsky per., 7, bldg. 2. In total, there are 5 branches in the city of Moscow.

There are 7 ATMs in Moscow for plastic card holders.

Vostochny Bank offers its customers a wide range of financial services. A wide product line has been developed for individuals, including offers on deposits, plastic cards, consumer, mortgage and car lending programs, foreign exchange and other operations.

Here you will find indicators of the current rate of sale / purchase of currencies in Vostochny Bank. Currently, the euro sell/buy rate is 68.70/67.70. The dollar selling/buying rate is 62.30/61.30.

Vostochny Bank has a B2 rating in the rating of the international agency Moody's Investors Service. In the ratings for assets, deposits and loans, it occupies 30, 19 and 36 lines, respectively. Total key indicators (assets / deposits / loans) - 256,733 million rubles, 128,569 million rubles. and 39,510 million rubles. respectively.

The head office in Moscow is located at the address: 119034, Moscow, Gagarinsky per., 7, bldg. 2. In total, there are 5 branches in the city of Moscow.

There are 7 ATMs in Moscow for plastic card holders.

Here you will find indicators of the current rate of sale / purchase of currencies in Vostochny Bank. Currently, the euro sell/buy rate is 68.70/67.70. The dollar selling/buying rate is 62.30/61.30.