Banks begin with auto loans

  Really, seldom what credit organization has no in list auto loans with various conditions of delivery which thus are constantly updated. Interest rates and size of an initial payment decrease, terms of crediting increase. Banks soften requirements to solvency of borrower.

What parameters motorist should consider?

  First, an initial payment. It is not required in Primsotsbanke. At same time maximal sum of credit should not exceed 80 % from cost of got vehicle. increase in sum is supposed on size of insurance premium under program.
In Vladivostok branch of Impeksbank (group " Rajfajzen ") will suggest to bring not less than 10 % - for new car and 20 % for second-hand ( car for date of delivery of credit is not more senior than 10 years). Terms till 5 years and till 3th years accordingly. On second-hand car will grant a loan up to $50 thousand, and new can pull and on $150 thousand Bank offers also new service - credit without an initial payment. But sum is limited $ 40 thousand
At registration of credit it is necessary to bring 15 % in Asian-Pacific bank from cost of car if client wishes to take credit till 3th years. In case of definition of term over 3th years 25 % of cost as an initial payment is required. In both cases credit can be issued and on a new vehicle, and on second-hand.
MDM-bank as a condition of crediting puts forward an initial payment for a vehicle of a category "In" - not less than 10 % from cost of car, thus payment of insurance premium on AvtoKASKO and OSAGO is made due to own means of borrower. A similar condition concerning insurance and for second-hand cars. But in this case initial payment not less than 20 % from cost is necessary. similar payment is valid and for new cars, but with clause, that payment of insurance premium can be (at will of client) is included in sum of credit under condition of insurance of AvtoKASKO and OSAGO in insurance companies authorized by bank.
Open Society NB "TRAST" in Vladivostok lays down as a condition of 20-30 % an initial payment for second-hand car, in this case vehicle should be not more senior than 10 years. sum of credit - up to 750 thousand rbl.
Giving loan under program of classical auto crediting, bank "Avant guarde" suggests to bring not less than 30 % from cost of car. And sometimes both 40 %, and 50 % of cost. In this case client should mean, that such conditions provide not only a high initial payment, but also certain bonuses, namely interest-free credit.

Percentage barrier

  Banks - autocreditors offer today interest rates in disorder from 5,5 up to 15 items, and basically has no value, in what currency credit will be issued. It is necessary to understand at once, that rates depend on terms, initial payments and mortgage. As a rule, to obligatory interest rate commission for conducting loan account is added. Actually payment for occurrence of given account is raised lumpsum, right after registrations of credit.
So, percent. Bank " Avant guarde " operates 5,5 % of rate annual for interested persons to pay autocredit from a year till three years without an initial payment. interest-free credit is possible, if borrower brings from 30 up to 50 % from cost of car. In all cases rate on insurance of ÊÀÑÊÎ (stealing, damage at choice of) will make 9 % from cost of chosen car. Commission gathering for registration of credit and service of accounts - $150 lumpsum. Also obligatory insurance upon accident - 0,99 % from sum of credit is carried out.
Impeksbank offers also low interest rates on second-hand cars - 9-10 % depending on currency of credit and long terms - till 5 years. Life insurance of borrower and purchase of AvtoKasko is obligatory. commission for granting of credit is not raised. credit up to $15000 and without registration of policy on AvtoKasko is possible, in this case rate of autocredit will make approximately 14 % in roubles and 9-10 % in a foreign currency. An immutable condition becomes only purchase of policy of OSAGO. Monthly commission (for conducting loan account) will make from 0,2 up to 0,5 % from initial sum of credit, in case of purchase of new machine - 0 %. Life insurance is for borrower obligatory in both cases.
MDM-bank at purchase of new car of domestic or foreign manufacture rbl. offers borrower from 50 up to 900 thousand, or equivalent sum of a foreign currency within 5 years. lumpsum commission (for opening of loan account) at a rate of 3000 rbl., monthly commission is raised also (for conducting loan account) will make 0,5 % from initial sum of credit. These are conditions express train-credit of bank.
Term of possible autocredit in Primsotsbanke is defined in 3 years and does not depend on sum of loan. only thing if motorist assumes to borrow from 50 thousand up to 299 999 rbl., interest rate will make 15 % annual; if will dare to take from 300 thousand up to one million roubles, percent under contribution will be 12 %, and such loan refers to "Prestige".
National bank " Trust " finances for term of from 1 year till 3th years. size of interest rate directly depends on a year of release of " an iron horse ". Car age till 3 years will estimate in 14 % + 0,6 % (monthly service of credit) and registration of insurance of AvtoKASKO will demand. On auto from 3 till 10 years insurance is not necessary, but first payment will be at a rate of 30 % of cost, and rate - 14 % + 0,8 %.
Asian-Pacific bank is caused only 2 % for opening of loan account under condition of insurance of car and raises 12 % annual + 1,3 % for conducting loan account monthly. For sum up to 200 thousand rbl. Is required only mortgage of car and guarantor is not necessary.
According to Olga of ROTSOJ, head of center of crediting of population "ATB" (Open Society) in Vladivostok, basically credits take on second-hand autos. Most popular mark of seaside motorists - "Toyota". Also, if borrower does not have not enough means, bank can give out credit up to 75 thousand rbl. without mortgage.
As help we shall remind motorists, that credit in bank will not give, if you are going to buy auto from certain uncle Vani. important argument in reception of credit is conclusion of contract on purchase of new car at official dealer through interior. At desire to choose car on Japanese auctions it is possible to take advantage of services of private businessmen or firms, but only those who has concluded contract with bank.



  Source: Info Cash Loan (24.12.2006)