For almost every person, the question of buying a vehicle is a matter of personal freedom, mobility and the ability to move and travel without the need to use public transport. But, unfortunately, not everyone has enough personal funds to buy a car, because it is not such a cheap pleasure. Russian Standard Bank, which is one of the leaders in the provision of banking services, offers its clients lucrative loan programs. They are great for buying a personal vehicle.
Advantages and disadvantages of a car loan in "Russian Standard"
In the bank "Russian Standard" you can get a cash loan on very favorable terms. A consumer loan can be up to 2,000,000 rubles with an interest rate of 15% per annum. The loan term can vary from 12 to 60 months, depending on the amount to be paid and the monthly payment. This loan program is perfect for buying a car. A loan can be issued without collateral and without guarantors. Upon registration, you will be able to join a pleasant bonus program, according to which you will receive bonuses when paying off debt. There is also a special debt protection program as a means of additional financial protection for the client.
Online application for a car loan in "Russian Standard"
Car loan registration
After the approval of the application, you will need to visit a bank branch to draw up an agreement on a credit program. You only need a passport and one of the additional documents. You can independently choose the date of payment, as well as take advantage of the SMS service to receive information on your own account.
To pay off the debt, you can choose one of the methods that will be most convenient for you:
- Using internet banking;
- At an ATM;
- Through the cashier;
- In the mobile application.
Borrower requirements
To apply for a loan to Russian Standard Bank, you must be over 18, but under 75. You also need to be a citizen of the Russian Federation and have six months of work experience at the current place.
Fast lending is well developed at Russian Standard Bank. You can take a loan that is profitable for yourself with an acceptable interest rate. Let's take a closer look at the lending program.
"Sports and Extreme"
The loan is not issued directly in the salon, the maximum loan term is 2 years, and the interest rate is 36% per annum. A loan is convenient if you are short of a small amount before buying your car. The maximum amount of this loan is 300 thousand rubles.
"Light"
You can buy both new and pretty used ones costing up to 450 thousand rubles. The down payment on this loan is at least 10% of the car price. The term of the "Light" program is up to 5 years, the interest rate is set at the level of 12% per annum. There is a mandatory commission of 1% for each month of servicing the loan for.
"Light +"
The difference compared to the previous proposal lies in the amount of the loan, the maximum is limited to 600 thousand rubles. The maximum term for emergency lending under this program is 5 years, the rate is 29% per annum.
"Affordable"
The maximum amount is limited to 500 thousand rubles, and the interest rate on the loan starts from 19% per annum. The maximum term is 5 years.
"One to one"
If you are not ready to make a down payment, you can get up to half a million rubles on credit. If you can make a contribution of 10% of the price, then a loan of up to 3 million rubles is available for you. The rate is 19% per annum. The purchase is carried out through a showroom, where the client will be offered both new and used cars.
For more details about loans in simple language, see the video.
a loan from Russian Standard is an expensive pleasure. High interest rates, compulsory hull insurance and possible commission for additional banking services - all this makes loans expensive. But on the other hand, there is a flexible approach to the client's income and its confirmation.
Additional services and services:
- CASCO insurance
In accordance with the current legislation of the Russian Federation, the pledger (borrower) is obliged to insure the pledged property in its full value against the risks of loss and damage, unless otherwise provided by the bank's tariffs. You can include the CASCO insurance premium in the loan amount.
- Life and health insurance
Unforeseen circumstances will no longer threaten your family's financial well-being. In the event of an insured event, the loan will be repaid by the insurance company. The program operates 24 hours a day all over the world. You can be sure that you and your loved ones are protected for the entire term of the loan. Financial protection continues even in the event of early loan repayment.
- Special comprehensive insurance program "Protection"
The comprehensive program "Protection" is a reliable shield against financial risks. It includes CASCO insurance and the life and health of the borrower. When this service is included in the loan amount, Rusfinance Bank uses incentive pricing and lowers the interest rate on the loan.
- GAP insurance
The "GAP-insurance" service allows the client to receive a refund of the difference between the original cost of the car and the amount of compensation under CASCO in case of its loss.
GAP (Guaranteed Asset Protection) insurance - "guarantee of the preservation of the value of the vehicle" - a program that expands the range of insurance coverage associated with the operation of a vehicle that is the subject of a pledge. - Financial protection
Insurance of mortgaged property against the risks of loss (theft / constructive loss) for the insured amount equal to the balance of the loan debt. Registration is possible for new cars of foreign and domestic production and used cars of foreign production.
By contacting Rusfinance Bank for a car loan, you will receive:
Benefit!
... Possibility to include CASCO insurance premiums in the loan amount.
... A wide range of loan programs for various groups of cars.
. No commissions for early repayment of the loan.
... A wide range of additional services.
Availability!
... The ability to take into account not only your own income, but also official spouse's income.
... The ability to take a car loan, even if no driver's license.
... Obtaining a preliminary decision on a car loan according to 2 documents.
... Loan for commercial vehicles of any brand with a permissible weight of up to 3.6 tons
at the same interest rates as for cars.
Convenience!
... Possibility to get additional equipment on credit for up to 30%
from the cost of the car.
... Making a loan for a car directly at Rusfinance Bank's partner car dealerships.
... Large selection of loan payment methods.
Car on credit
Rusfinance Bank offers to buy a new or used car on credit on attractive terms. Among the advantages are a large selection of credit programs with car manufacturing companies, speed and ease of processing, a minimum of documents (passport + second document to choose from: driver's license, foreign passport, TIN certificate, insurance certificate of the state pension fund, military ID), no commissions and penalties for full or partial early repayment.
How to buy a car on credit
To obtain a car loan, there is no need to come to a branch of the Bank, stand in line, and then wait several days for the application to be considered. It is enough to come with the necessary documents to the salon of the Bank's partner car dealer, choose the car you like and contact the Bank's credit consultant. The term for consideration of the application is from 30 minutes. The period of validity of the Bank's preliminary decision on the approval of the application is 100 days for a new car and 30 days for a used car. At the request of the borrower, the loan amount can include CASCO insurance premiums, as well as life insurance for the first year or for the entire loan period.
QUESTION ANSWER:
Where can I get a car loan?
You can refer to the documents:
... to a consultant in our partner's showroom;
... to the regional branch of Rusfinance Bank.
Yes it is possible. You can buy a used car both in car dealerships and at car markets or from individuals. On the day of the expiration of the loan agreement, the age of a domestic car must be no more than 10 years, and a foreign one no more than 12 years.
How much can I get on credit?Depending on the terms of the lending program, you can get a loan from 50 thousand to 6.5 million rubles.
Is it necessary to have a driver's license to get a car loan?No. Even if you do not have a driver's license, you can own a car, buy it as a gift to someone, etc., including taking out a car loan.
Can I not take out CASCO insurance?Under the terms of the pledge agreement, you are required to issue a CASCO policy for the entire loan period, unless otherwise provided by the Bank's tariffs. Rusfinance Bank offers the possibility of including CASCO insurance in the loan amount, which will significantly reduce the burden on your budget.
Russian Standard is a bank that today is one of the leaders in lending to the population. Among its products, it devotes a special place to car loans. Thanks to the unique own practice of creating customer credit histories and the application of the system for assessing their solvency, the Standard Bank has more than 23 million customers.
The advantages of car loans in "Russian Standard"
Almost all major car dealerships cooperate with the bank, so you can find a bank agent immediately on the spot. Very often, the salon employees themselves have the authority that allows them to perform the functions of bank representatives and provide you with a car loan.
You can take out a loan in rubles, which is an important factor, and easily choose an option that suits you in terms of the amount, maturity and interest rate. “Russian Standard” is a bank that guarantees a client an individual approach and, among a wide range of programs, will select the car loan that suits him best. For example, if you are fond of extreme sports and dream of your own ATV, then the "Sports and Extreme" offer is ideal for you.
If you decide to take out a loan to buy a car, then Russian Standard Bank will offer you several relevant programs. Another nice thing that makes it easier to get the right amount is that you do not need to be registered in the region where the car loan is received. It is quite enough if the client is permanently registered where the Russian Standard Bank has its representative office.
Car loan programs from "Russian Standard"
Car dealerships that are partners of the bank offer their clients a wide range of programs, among which you can choose the one that suits you best:
- "Sports and Extreme". Will interest fans of extreme sports. Car loans extend not only to sports cars, but also to motorcycles, scooters, snowmobiles. You can even buy a boat! Loan repayment is given from 12 to 24 months. The down payment will be 10% of the value of the vehicle. Interest rate - 36% on the remaining amount of the car loan. There is a pleasant opportunity to repay ahead of schedule and does not require any commission. You do not need a certificate of income, it is enough to present your passport.
- "Light" is a program, thanks to which you can buy both a completely new and a used car. With a down payment of 10%, any amount is available to you in the range from 50,000 to 450,000 rubles for a period of up to 5 years. The interest rate will be 11.99% per annum plus a monthly service fee. If you choose this program, the vehicle will need to be insured. As in the "Sports and Extreme" program, the client can settle accounts with the bank ahead of schedule. No income statement is needed either.
- "Light +" differs from the previous product in the speed of obtaining: in a car dealership a loan will be issued to a client in just an hour. But a certificate of income will be needed this time. This can be either a 2-NDFL form, or a form proposed by the bank itself. The loan is provided for any amount ranging from 150,000 to 600,000 rubles. The maturity period is no more than 5 years at 29% per annum. The initial payment will be 10% of the cost of the car.
- "Auto One to One" will allow you to choose and purchase a new car from both domestic and foreign automakers. Loan processing is quick and easy. You can do this right at the car dealership. No life insurance required. You can pay off the loan through an ATM, no commission is charged for this. Banking commissions will not be taken into account either, and debt repayment under the program can be performed at any time. By the way, the surety, as well as the written consent of the second spouse is not required, which greatly simplifies the procedure.
Car loans at Russian Standard Bank are a simple and affordable way to make your dream come true!
