Car loans from Sovcombank. Sovcombank car loans: conditions, interest Sovcombank car loans

Buying a car is a common purchase. Many people would like to have their own wheels, but in the modern world not everyone can afford to pay that amount at once. Therefore, many banks offer special lending programs - car loans. Sovcombank is no exception. It would not be superfluous to provide the main information about Sovcombank car loans that is relevant for 2017, concisely but completely.

Conditions for a car loan at Sovcombank

No matter which bank you take out a car loan from, there are features specific to this type of loan. As the name suggests, it is issued strictly for the purchase of a car - new or from hand to hand, to students or pensioners - the conditions are secondary and affect the amount that the Sovcombank car loan calculator will show. As a rule, the purchased car becomes collateral in case of non-payment. Plus, for the period of lending, the borrower is required to insure at least the vehicle. On the positive side, there are quite favorable interest rates and a wide range of conditions.

In 2017, Sovcombank presents a wide selection of car loans for different occasions. The conditions of Sovcombank car loans differ slightly in different programs, so we will give a brief overview of them.

Interest rate when buying a car at a dealership

To purchase a car at dealerships, Sovcombank offers a loan for a period of six months to six years with interest-free early repayment.

There are three types of classic car loans for the purchase of a new car:

AutoExpress. The main feature is the approval speed of 1 hour. Interest rate 16.2%. You can receive a maximum of up to 2.5 million rubles; no down payment is required.
AutoClassic. Approved within a day, rate 15.2%, maximum amount 4.9 million. Down payment of 15% will be required.
AutoZaMillion. Approved in an hour, the rate is only 13.9%, but the down payment is a third of the amount. You can get up to 4.9 million.

There is nothing supernatural in the requirements for the borrower: citizenship of the Russian Federation, age from 20 (at the time of payment no more than 85 - pensioners should also try to apply), permanent place of work for at least 4 months, registration, actual residence in the bank’s service region.

Interest on purchasing a used car

If a client is going to buy a used car at a dealership (not from hand to hand!), the conditions for a Sovcombank car loan in 2017 for the same terms are as follows:

AutoFresh. In 1 hour and a rate of 15.7%, a car worth up to 4.9 million is purchased without a down payment.
AutoExpress. Similar conditions, but 18.2% per annum and a maximum amount of 2.5 million, and nothing other than a passport is required.
AutoClassic. A copy of the namesake, but the interest rate is higher - 17.2%.

Interest rates for commercial vehicles in 2017

The terms of provision remain fair. In addition, Sovcombank provides car loans for the purchase of commercial vehicles (trucks, buses, etc.). The interest rate on a Sovcombank car loan in 2017 for the purchase of work vehicles is 17.4% with a 20% down payment.

In addition, Sovcombank has partnership programs with manufacturers. These include LADA, UAZ, Hyundai, Chevrolet, Subaru, Kia, Chery, Lifan, Ravon.

When purchasing cars of these brands, special, more favorable lending conditions apply; only a calculator can indicate them more accurately.

State programs for car loans at Sovcombank

Sovcombank takes part in government programs for preferential lending when purchasing a car.

In these Sovcombank car loan programs, the interest rates are especially encouraging:

State Program AutoStyle. You can get from 90 thousand to 1.45 million for a period of up to three years. If the down payment is from 0 to 40%, then the annual interest rate will be 9.75%, if more - 8.75%.
Family Car Program. For parents of 2 minor children or more, the rate will be 8.65%, 8.25% and 6.4% with contributions of 0-40, 40-70 or more than 70%, respectively.
The same conditions under the First Car program for those who have not previously owned a vehicle.

At the same time, a 10% discount is promised on first and family cars in 2017.

AUTOCREDIT program

This type of car loan allows the client to choose the optimal loan terms and has a differentiated interest rate depending on the size of the down payment, loan term, insurance, provision of a personal income tax-2 certificate and the category of the vehicle. The minimum rate is 14.9%, the maximum is 29.7%. Duration from 12 to 60 months. Depending on these parameters, the calculator selects the cost of the loan.

AUTO CREDIT from hand to hand

Those who are going to buy a car from an individual can take out a car loan from Sovcombank from hand to hand. The interest rate under the lending program is 19%, amount from 100 thousand to 1 million. The buyer’s age cannot be less than 22 years, but it is also available to pensioners.

Application form and insurance for a car loan

In addition to a wide range of lending options, Sovcombank has other advantages:

When concluding a car loan agreement with Sovcombank, car insurance is not additionally required. If the client prefers to keep the MTPL insurance, only the interest rate on the loan will change upward. However, it is worth noting that in fact, refusing insurance does not lead to benefits - the interest rate will smooth out the savings. But insurance protects against unforeseen financial difficulties and serves as a safety net for both the client and the bank.
Pensioners can also get a car loan from Sovcombank on general terms if they are working and will not be older than 85 years by the end of payments.
An application for a Sovcombank car loan is approved quickly - within an hour or a day. You fill out an application on the website by clicking the orange button to fill out the application under the description of the terms of a specific loan.

Car loan calculator

For the convenience of potential car loan clients, Sovcombank has a calculator on its website, which can roughly calculate a loan based on the parameters of the car, loan term, down payment and insurance.

Conclusion

In this article, the reader could familiarize himself with Sovcombank’s car loan offers. A wide selection of conditions allows you to choose the optimal ones for each client, and participation in government programs gives a chance to acquire a car for those who previously could not afford it. However, loan terms may vary slightly in each individual case, and it is worth reading the agreement carefully. However, it is never a bad idea to familiarize yourself with the available offers in advance.

Sovcombank is one of the few banks providing car loans to the population. A flexible pricing policy, minimum requirements for applicants, and the opportunity to obtain borrowed funds for the purchase of a vehicle without a down payment allow the lender to maintain its position in the TOP 10 banks selling this product.

Standard car loan programs

At Sovcombank you can take out a car loan both for the purchase of a new vehicle and a used one.

Loan programs for the purchase of a new car of domestic or foreign production. The application is considered based on a minimum package of documents. The applicant only needs to provide a passport and another document at his discretion, for example: a driver’s license. If the borrower is a man, then sometimes a military ID may be required. The product is provided for a period of 6 months to 6 years. Early repayment is possible without penalty.

In accordance with the terms of a car loan at Sovcombank, the applicant must meet the following requirements:

age restrictions - from 20 to 85 years on the date of repayment of debt obligations;
availability of official employment (work period in the last place for at least 4 months);
presence of Russian citizenship;
residence in the territory where the lender operates;
good, average or no credit history.

If there is a down payment of 40% and additional products are issued: insurance for the risks “Theft” and “Damage”, as well as voluntary financial protection, the rate is reduced to 8.9%. You can calculate the feasibility and amount of the overpayment using a special one posted on the Sovcombank website.

What other programs are there?

Car loan programs for the purchase of a used car. Provide for the purchase of vehicles of domestic and foreign production.

Debt repayment is carried out in various ways:

through bank offices;
through branches of the Russian Post;
through the lender's Internet banking;
through third-party organizations (a commission is charged in accordance with the tariffs of the sending organization).

The borrower may not inform the bank of his desire to repay his debt obligations early. All money received into the loan account is written off against financial obligations.

Special car loan programs at Sovcombank with state support. Their distinctive feature is state subsidization of up to 10% of the cost of the vehicle. Preferential conditions apply to applications submitted from January 1, 2018.

Family Car Program. Designed for families with 2 or more minor children. When applying for a car loan at Sovcombank, you must attach copies of your children’s birth certificates or pages 16-17 of your passport. A prerequisite for obtaining borrowed funds is the absence of loans for the purchase of personal vehicles for the period 2017-2018.
The First Car program. Designed for borrowers who have not previously owned a car. Interest rates on car loans at Sovcombank range from 12.49 to 19.4%. Applying for a loan without CASCO represents an increased risk for the lender, so the fee for using borrowed funds increases to 21.4 -22.2%.

The rate on a Sovcombank car loan without a one-time payment is always higher. One of the solutions to reduce overpayments could be to take out a consumer loan for the down payment. For example: A cash loan “12% plus” allows you to apply for 100 thousand rubles at 12% interest with a minimum package of documents. For the “For Responsible Plus” product, if debt obligations are repaid on time, recalculation is possible at a rate of 11.9% per annum, provided that the “Minimum Rate Guarantee” option is activated.

You can apply for a car loan at Sovcombank online, at a dealership or directly at the bank’s office. The credit and financial organization cooperates with 9 dealerships: Avtovaz, Hyundai, GMAvtovaz, Subaru Motor, KIA Uveren, Chery Automobiles Rus, UAZ, Lifan Motors Rus, Ravon Motors Rus. It is possible to register without CASCO (the rate will be on average 35 higher).

Buying a car today is easier than ever. If you do not have the required amount for a new car or a used car, it is enough to apply for Sovcombank car loans. Currently, a car loan at Sovcombank has the following conditions:

interest rates 2019 - from 12.49% to 0.00% per annum;
maximum return period - 7 years;
the possibility of receiving funds without a down payment;
issuing funds for new and used cars.

In total there is 1 program for different types of cars. You can apply for a car loan using two documents without proof of income.

How to find and apply for a car loan at Sovcombank using the website?

To get a car loan from Sovcombank, you need to go to the credit institution’s website. There you should study the conditions under which you can take out a car loan from Sovcombank, calculate the costs of repaying it using an online car loan calculator, and apply for the loan option with or without government support that suits you. Within 1-3 days, the bank will make a decision on your request and inform you. After this, you will need to sign a loan agreement, wait for the funds to be transferred to the car dealership or private seller and take the car. Persons with a bad credit history can get such a loan.

Sovcombank car loans are represented by a wide variety of programs. The site has several programs that allow you to buy a car at good interest rates, with government support. There are favorable conditions both for those who receive funds without proof of income and for citizens with a bad credit history.

What kind of car loans does Sovcombank have?

Interest rates in 2019 range from 12.49% to 0%. The largest overpayment amount will be when buying a used car. You can purchase with minimal financial losses at dealerships that are partners of the bank.

You can take out a car loan from Sovcombank for a new or used car. The minimum amount is from 100,000 rubles. The maximum you can receive is up to 2,500,000 rubles. Terms are up to 60 months.

Conditions for a car loan at Sovcombank

Standard requirements for the borrower:

citizenship of our country;
age from 20 to 85 years;
continuous registration for at least 4 months;
Availability of a landline work or home telephone.

You can rent a car without a down payment, but the conditions are less favorable. When submitting an application through our website, you are redirected to the appropriate bank page. This allows you to speed up the processing time for your candidacy. All offers without additional fees or guarantors.

For your convenience, we offer. He will help you find an offer that meets all your requirements. Both companies and individuals have the opportunity to buy a car on Sovcombank credit.

When deciding to take out a car loan from Sovcombank, you will appreciate a number of advantages of the banking product - convenience, efficiency and simplicity of drawing up an agreement, acceptable interest rates, a guarantee of the best conditions, loyal requirements for borrowers. Since 2008, this financial and credit institution has been among the top 50 market leaders in the field of consumer lending. The lender managed to achieve such positions thanks to its focus on the needs of borrowers and a competent pricing policy.

This article aims to answer the following questions:

how to take advantage of the bank's loan offer;
what are the tariffs and conditions for car loans in 2017;
what is important to consider when concluding an agreement with a lender and choosing a suitable product;
What do borrowers say about Sovcombank?

Loan to buy a car - maximum benefit and comfort

When applying for a car loan at Sovcombank, borrowers are guaranteed the following benefits:

down payment from 0%;
low interest rates;
optimal loan term (from six months to several years);
minimum requirements for the package of documents (under the express lending program, only a passport is required);
instant decision on issuing a loan;
a wide product line that allows you to purchase a car of any make and year.

Conditions for issuing a car loan at Sovcombank

Sovcombank offers borrowers 3 car loan programs to choose from:

to buy a car in a showroom;
"Autocredit";
"Auto loan From hand to hand."

Program “Loan for the purchase of a car in official car dealerships”

You can purchase a car at the following dealerships:

Lada Finance;
Hyundai –H-Promise;
UAZ-credit;
Subaru Finance;
GM Avtovaz;
Chery Finance;
Lifan Finance;
Ravon Finance;
AutoStyle-State program.

For this product, the lender offers 3 standard lending programs.

For new cars of domestic and foreign production

There are 3 car loan programs available in this area:

An agreement with a lender can be concluded for a period of six months to 6 years. To apply for a loan under the express loan program, you only need a passport. For the other 2 offers, you must provide a second document of your choice. Citizens between the ages of 20 and 85 who are officially employed and have been permanently registered for at least 4 months and who live in the region where the bank’s branches are present have the right to take advantage of this offer.

For used vehicles of any brand

To apply for a loan, you will need a passport and a military ID (for those liable for military service).

For commercial vehicles

This program applies to trucks, buses, minivans of categories B, C, D. The weight of the vehicle is not limited.

For this product, the lender offers the following conditions:

rate from 14.4%;
the available amount is limited to 4.9 million rubles;
the contract can be concluded for a period of up to 6 years;
down payment amount - from 20%;
approval of the application within 1 hour;
The offer is available only for new vehicles.

Autocredit program

This product is designed for those borrowers who want to purchase movable property with earthly funds. According to the agreement, the car acts as collateral. You can purchase vehicles at car dealerships that are partners of the bank. Tariff rates, amount and terms of debt repayment are fixed in individual conditions.

The following conditions apply to this offer:

Loan amount - from 100 thousand to 2 million rubles;
Interest rate from 14.9 to 30% (the rate depends on the amount of the down payment paid);
In the absence of a certificate of income, the tariff increases by 1%.

Program “AUTO CREDIT From hand to hand”

This program is designed for purchasing cars from individuals. The acquired movable property will act as collateral under the agreement.

Citizens of the Russian Federation aged 22 to 85 years who have registration and an official place of work for at least 4 months, a work or home landline telephone, have the right to take advantage of this offer. To conclude an agreement, you will need a passport, a second document of your choice, an original certificate confirming your income level, a military ID (for males under the age of 27).

You will need to provide a registration certificate, title, and photographs for the vehicle. The seller must present a passport and a second document. When attracting guarantors, you will need to provide their passport, an additional document and a certificate confirming solvency.

The car loan agreement stipulates the following conditions:

rate - 19%;
available loan amount - from 100 thousand to 1 million rubles;
terms - 1-5 years;
the loan amount is limited by the value of the collateral;
at the request of the borrower, voluntary insurance protection can be included in the program;
the bank has the right to request a guarantee from 1 or several individuals;
the vehicle is no more than 19 years old;
the borrower is registered in the region where the bank branch is located (or no further than 70 kilometers from the border of the locality);
the car is in good technical condition;

The vehicle is not listed as collateral under other agreements and does not participate in the car loan program.