VTB 24 partner car dealerships. Car loan for the purchase of a used car

VTB 24 Bank offers its clients several different car loan programs. Using these loan products, you can buy a domestic or imported car, new or used, with or without a down payment, and with or without insurance.

Requirements for the borrower

• The minimum age of the borrower is 21 years;
• The maximum age of the borrower is 60 years;
• Formalized relationship with the employer in the form of an entry in the work book, employment contract, or other document;
• Total work experience of at least 1 year, at the last place of work - at least 3 months;
• Mandatory registration in the region where the bank branch is located: permanent or temporary, but not less than for the term of the loan agreement;
• The average monthly income per family member is at least 8,000 rubles;
• The borrower's average monthly income is at least 10,000 rubles. ;
• No negative credit history;
• For men under 27 years of age - regulated relations with conscription authorities;
• For women with children: the child is at least 6 months old.

VTB 24 car loan programs

Car loan for the purchase of a new car

This type of loan is issued for the purchase of a new car at any car dealership that is a partner of VTB 24 Bank.

The interest rate depends on the period for which you plan to take out the loan, the currency of the loan and the amount of the down payment: from 11% to 14% per annum in rubles and from 9% to 12% per annum in US dollars and euros.

Car loan for the purchase of a used car

This type of loan is issued for the purchase of a used foreign-made car.

The loan is issued for a period of 1 to 7 years in rubles, euros or US dollars. The minimum loan amount is $3,000 and the maximum loan amount is unlimited. The down payment is from 10% of the cost of the car or from 20% of the cost of the car (if the loan amount includes the down payment for car insurance).

The application review period is up to 2 days, the collateral is the car purchased on credit. The loan is repaid with annuity payments, and the first month is preferential (only interest on the loan is paid).

In addition to the loan debt and interest, you must keep in mind the following additional expenses:

• One-time fee for issuing a loan - 150 US dollars / euros or 4,500 rubles. depending on the currency of the loan;
• Car insurance (objects of insurance - damage, total loss and loss): OSAGO, DSAGO with a liability limit of 10,000 US dollars.

Car loan without income certificate

This type of loan is issued for the purchase of a foreign-made car. When registering, you must present only 2 documents: a passport and a second document of your choice (foreign passport, driver’s or service license, military ID).

Note! This program is not available in all regions.

The loan is issued for a period of up to 5 years in rubles, euros or US dollars. Loan amount from 4,000 to 100,000 US dollars (or the equivalent in another loan currency). Down payment of 30% of the cost of the purchased car.

The interest rate on the loan is 13.5% per annum in rubles and 11% per annum in US dollars and euros.

The application review period is up to 2 days, the collateral is the car purchased on credit. The loan is repaid with annuity payments, and the first month is preferential (only interest on the loan is paid).

In addition to the loan debt and interest, you must keep in mind the following additional expenses:

• One-time fee for issuing a loan - 200 US dollars / euros or 6,000 rubles. depending on the currency of the loan;
• Car insurance (objects of insurance - damage, total loss and loss): OSAGO, DSAGO with a liability limit of 10,000 US dollars.

Car loan without down payment

This type of loan is issued for the purchase of a new foreign-made car without a down payment (after applying for the loan, you will only need to pay for insurance).

The loan is issued for a period of 1 to 5 years in rubles, euros or US dollars. The minimum loan amount is $4,000. Down payment from 0% of the cost of the car or from 9.99% of the cost of the car (if the loan amount includes the down payment for car insurance).

The interest rate depends on the period for which you plan to take out the loan, the currency of the loan and the amount of the down payment: from 12% to 14.5% per annum in rubles and from 9.5% to 12.5% ​​per annum in US dollars and euros.

The application review period is up to 2 days, the collateral is the car purchased on credit. The loan is repaid with annuity payments, and the first month is preferential (only interest on the loan is paid).

In addition to the loan debt and interest, you must keep in mind the following additional expenses:

• One-time fee for issuing a loan - 150 US dollars / euros or 4,500 rubles. depending on the currency of the loan;
• Car insurance (objects of insurance - damage, total loss and loss): OSAGO, DSAGO with a liability limit of 10,000 US dollars.

Fast car loan

This type of loan is issued for the purchase of a new or used foreign-made car, a feature of this type is The loan application review period is 60 minutes.

The loan is issued for a period of 1 to 5 years in rubles, from 1 to 4 years in euros or US dollars. The minimum loan amount is $3,000. The down payment is from 10% of the cost of the car or from 20% of the cost of the car (if the loan amount includes the down payment for car insurance).

The interest rate depends on the period for which you plan to take out the loan, the currency of the loan and the amount of the down payment: from 13% to 17% per annum in rubles and from 10% to 13% per annum in US dollars and euros.

The collateral is the car purchased on credit. The loan is repaid with annuity payments, and the first month is preferential (only interest on the loan is paid). In addition to the loan debt and interest, you must keep in mind the following additional expenses:

• One-time fee for issuing a loan - 150 US dollars / euros or 4,500 rubles. depending on the currency of the loan;
• Car insurance (objects of insurance - damage, total loss and loss): OSAGO, DSAGO with a liability limit of 10,000 US dollars.

Content

A car, as a means of transportation, is the dream of many citizens. The best way to purchase is to accumulate enough money to purchase it. If you need a car urgently, but you don’t have enough money, consider lending options. VTB 24 car loan will provide almost any person who wants to become a car owner with a variety of loan programs for the purchase of a car with the required amounts and attractive conditions. This article is devoted to all issues of car loans at VTB 24 Bank.

How to get a loan to buy a car

The scheme for buying a car on credit is simple. The buyer chooses a car that he likes based on technical, ergonomic and visual characteristics. When choosing, you should take into account the cost, level of maintenance costs, type and consumption of fuel and lubricants. A car loan from VTB 24 includes standard conditions for banks providing such a service.

Russian registration and official employment are required. A down payment of 20 to 30%, proof of the buyer's monthly income and personal documents will be required. In some cases, additional information will be required. There are programs without a down payment, but with an increased loan interest rate.

Car loan for a used car

Used cars for personal and commercial use are purchased under the VTB 24 Auto Loan program. This method is used to buy a used car from individuals. The bank pays the owner of the car the full amount of its value. Financial institutions in Moscow and St. Petersburg sell secured cars on credit for which the previous buyer did not pay the entire loan amount. Such cars are confiscated by court decision and become the property of the bank. The advantage of such a purchase is the low price of the car. Part of its cost was repaid by the previous borrower.

Cash loan for car

The bank issues cash loans to purchase a car. The car becomes collateral for the loan. Collateral insurance is mandatory. Considering the possibility of a car getting into a traffic accident, full CASCO insurance is required. A cash loan is a consumer loan and has its own terms and conditions. The loan at a reduced rate of 13.9% is provided to residents of Moscow who have VTB 24 salary cards. The borrower must work in the field of education, healthcare, or state and municipal authorities.

Car loans VTB 24

An acceptable option for the cost of the car, loan term, availability of funds for the down payment, and interest rate will be provided by VTB 24 Auto Loan. Payment of monthly interest occurs in two ways. An annuity involves equal monthly payments. Such a payment includes partial repayment of the loan principal and interest on the remaining debt. A simple form of payment is calculated by dividing the loan amount by the number of months under the loan agreement. To this amount are added credit interest on the outstanding balance, additional commissions and insurance payments.

Car loan with down payment

The borrower will receive complete information on VTB 24 Car Loans by going to the bank’s official website in the “Car Loans” section. In 2019, the bank offers 12 main loan programs. Special purchase conditions are offered for 13 car brands. For joint projects for the sale of cars with companies producing these brands, the bank has created preferential conditions, the purpose of which is to increase the number of cars sold and reduce the costs of buyers when applying for a loan under the car loan program.

Car loan without down payment VTB

One of the most common is a VTB 24 car loan for the purchase of a car without a down payment. The base rate for the first payment at VTB 24 is 20%. With an average cost of a car of 1 million rubles, this will be 200 thousand. The average salary in the central part of Russia is 60 thousand rubles. It is difficult to collect funds with such a salary and make them as a down payment. This explains the popularity of lending without a down payment.

Basic conditions of a car loan at VTB 24

The bank considers the basic conditions for choosing a car for the purchase of which a loan is provided. For domestic new and used cars, the age must be no more than 5 years. For cars of foreign brands, this age is no more than 10 years. The initial application for a car loan is submitted, among other things, on the website with a banking application attached. Various promotions and special programs offer different minimum and maximum interest rates and down payments.

Requirements for the borrower

To be able to apply for a car loan at VTB 24, the age limit is set at no less than 21 years and no more than 65 years. He must be a citizen of Russia and reside in the bank’s service area. Loans are not provided to minors. The monthly income, according to a certificate certified by management, should not be less than 20 thousand rubles and the work experience of at least 3 months at the last place of work. Loans at reduced interest rates are provided to socially vulnerable categories of citizens or employees of Russian authorities and law enforcement.

Interest rate

A large number of different bank offers for car loans gives rise to a wide range of conditions, interest rates and down payment amounts depending on the cost of the car. In the “Freedom of Choice” program, the borrower receives a car loan of up to 3 million rubles at 13.9% per annum. Luxury brands of cars are financed from 7 million rubles at 11.1% with an initial payment of 20% in the special program “Auto Privilege”. When purchasing Kia and Hyundai brands from dealers worth less than 2 million rubles, the Kick Down preferential plan is available with an affordable rate of 6.7% per annum for many people.

Car loan with state subsidies VTB 24

In the AutoLight, AutoExpress and AutoStandard programs, the loan is issued using government support. State subsidies apply to car brands weighing up to 3.5 tons and costing up to 750,000 rubles. To participate in these programs, you must have savings of 20% of the cost of the car and a monthly income of at least 10,000 rubles. If, according to a preliminary application, these programs are confirmed to you, the interest rate range will be from 10 to 11% per annum. Through such programs, the state tries to support social workers, military personnel and government employees.

Insurance when receiving a car loan

Insurance companies for voluntary insurance of collateral and life are recommended by Autocredit VTB 24. Insurance contracts are concluded for a period of 1 year. The main loan contract specifies the borrower's obligations to annually renew the collateral insurance. If the client agrees to choose the recommended insurance, the interest rate is reduced to 14.9%. The amount of life insurance costs will be included in the loan body, and you will repay it in equal installments throughout the year. Insurance is provided against damage, loss, theft, complete and partial destruction of the car.

Which insurance companies work with VTB

Collateral insurance is a mandatory condition when applying for a car loan. The list of 24 insurance companies accredited to work with VTB includes 22 organizations. Recommended companies with favorable conditions for most policyholders:

• VTB Insurance;
• Alpha Insurance;
• Rosgosstrakh;
• VSK Insurance House;
• ZHASO;
• Ingosstrakh;
• Sogaz Insurance Group.

Is CASCO required for a car loan?

Full CASCO is expensive for borrowers. This is a forced measure that allows, through insurance payments, to reduce risks in the event of the borrower losing the collateral. Realizing the problematic nature of paying out full insurance, the bank created a special program called “Instead of CASCO”. The essence of this program is that the borrower pays a down payment of at least 40% and a variable franchise amount depending on the cost of the car. Its value will be 20, 30 and 50 thousand rubles when the price of the car changes from a price of less than 500 thousand, to 1.5 million and over 1.5 million rubles.

Life insurance

The bank's innovative proposals include special rules for lending to the borrower's life and health. VTB 24 offers the opportunity to include the amount of such insurance in the body of the loan and accepts its payment according to the lending schedule, which is prescribed in the main loan agreement.

Apply for a car loan at VTB 24

Making a purchase of a car on credit from this bank begins with filling out an application on the official website, at bank branches or at a partner car dealership where you purchase the car. Copies of the necessary documents are sent to the VTB 24 Car Loan Centers. Within 2 days, after checking the documents and credit history, the bank makes a decision on issuing a loan. At the car dealership, the buyer receives a copy of the title, a copy of the car purchase and sale agreement, a bank invoice for payment and, if necessary, other documents. VTB car loans are also issued for commercial vehicles.

The buyer must insure the collateral. Together with the insurance contracts, this package of documents is transferred to the Auto Loan Center. After concluding a loan contract, the bank pays for your car. With a loan agreement and a copy of the car payment receipt, the buyer has the opportunity to pick up his car from the seller and go home.

What documents are needed

When applying for a car loan, a standard bank package of mandatory documents is required. In the case of special lending programs, optional documents may be required, such as a driver's license, proof of expensive property, and education documents. Required documents include:

• passport of a Russian citizen;
• a certificate from your place of work confirming your monthly income;
• a copy of the work book;

VTB 24 car loan agreement

The standard agreement contains the conditions for providing financing, requirements for the borrower and the collateral. It indicates the loan amount, interest rate, repayment period, type, amount and procedure for paying monthly installments. The procedure for determining the exchange rate in the case of payment for a car to a third party in a different payment currency is indicated. Debt repayment options include information about free loan repayment options through the bank's own ATMs. A large section is devoted to the borrower’s obligations to fulfill the terms of the agreement.

Getting a loan

When purchasing a car from an individual or at a car dealership, payment of the full amount is transferred to the seller. Cash loans are not provided to the borrower. Receipt of a loan is carried out by transfer to the bank cards of sellers or to the settlement accounts of car dealerships. Payments and repayment of loans are made through ATMs, bank offices, bank transfers, using the “Golden Crown”. If both spouses participate in repaying the loan, each of them submits a complete package of documents to the bank and the responsibility for repayment will be joint and several.

Early repayment of a car loan at VTB 24

The VTB 24 standard car loan agreement contains a list of requirements and conditions that must be met by the borrower in the event of a decision on early repayment of loan obligations. It is necessary to write a statement in person at a bank branch at least 1 day before this operation indicating the date and amount of the last payment. Funds must be transferred to the bank no later than 19:00 on the day preceding this date. If the money arrives at the bank later, the bank will count that day in the loan term and continue to charge interest for that day.

It is no secret that VTB 24 Bank is one of the largest banks in the Russian Federation, which constantly monitors, analyzes the credit and financial market and tries to present the most competitive offers. VTB 24 experts devote a huge part of their time to loans, including car loans.

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Today VTB 24 Bank offers loans for new cars, as well as used vehicles. You can get absolutely any brand on credit.

Moreover, the bank emphasizes that it cooperates with the largest dealers and car dealerships, therefore it is ready to offer a number of unique programs with the most favorable conditions for borrowers.

Conditions

VTB 24 has introduced 5 basic car loan programs, and together with the largest dealers and car showrooms, several special offers with unique conditions have been developed and offered.

The bank provides car loans with a minimum down payment of 20% of the amount. You can take out a loan not only for a new car, but also for a used car (but not older than 12 years at the time of payment).

The loan period depends on the chosen program, and the maximum period can reach 5-7 years.

You can apply for a car loan without proof of income; the loan will be secured by the purchased car.

The bank is also ready to offer an “Autoexpress” loan, under which a loan can be issued within one day.

Car loans at VTB 24 without commission, early repayment is allowed.

How to apply?

Applying for a car loan at VTB 24 is as follows:

• the future borrower needs to fill out an initial application on the website or at the nearest bank office;

• collect the required documents and bring them to the Car Loan Center or transfer them through the car dealership (through the manager);

• processing of documentation takes no more than two days, after which the bank will notify you of its decision;
• the borrower needs to receive a package of documents from the car dealer (invoice for payment, purchase and sale agreement, title, etc.) for registration of the car and conclude an insurance contract;
• conclude a loan agreement at the VTB 24 Car Loan Center;

• the bank transfers the specified amount of funds to the car dealership, the borrower receives the cherished car.

Car loans for individuals at VTB 24 Bank

Today VTB 24 is ready to offer potential borrowers five basic car loan programs. The main conditions and requirements are given in the table below.

Please note that minimum interest rates and down payments are required. When concluding a loan agreement, the numbers may vary.

In addition to the above basic programs, VTB 24 Bank, together with major car showrooms and dealers, develops special offers and offers the most favorable conditions for some brands of vehicles.

Do you want to know which banks provide ? Our article contains the most complete and up-to-date information on this issue.

Looking for an answer to the question - what to do if the bank sold the loan debt to collectors? Read ours.

In Moscow

In Moscow, you can get a car loan at the Car Loan Center or at one of the car dealerships that are partners of VTB 24.

Of the main features that the bank puts forward to the capital’s residents, one can only name that the applicant for a loan must have a legal income (documented), from 30,000 rubles, while for other regions it is enough 20,000 rubles.

As for the remaining requirements and conditions, they are no different from those given in other paragraphs.

Requirements for borrowers

The main requirements for a borrower wishing to apply for a car loan are:

• citizenship of the Russian Federation;

• availability of permanent registration in the region where the bank branch operates;

• age – from 21 to 65 years;
• official income – from 20,000 rubles;
• experience – from 1 year, in the last place – from 3 months.

But it is worth understanding that in some cases, the bank may impose additional conditions that will become mandatory.

List of documents

To apply for a car loan, the future borrower needs to collect the following documents to submit to the Car Loan Center:

• application;
• passport;
• a copy of the work record book, if the loan is more than 1,500,000 rubles, or the initial advance is less than 50%;
• documents on family composition (optional);
• documents confirming education (optional);
• driver's license (optional).

It is also worth knowing that you can get a decision on a car loan without visiting the bank. To do this, just submit an online application and wait for a call from the bank.

If the decision is positive, you can start collecting a package of documents.

How much should I expect?

The borrower must understand that the loan amount that the bank can provide depends on solvency, as well as credit history.

Also, do not forget that the bank requires a down payment of at least 20% of the cost of the car. If we talk about specific numbers, they look like this.

Interest rates

The interest rate for each client is set individually and is calculated by bank employees based on the credit rating, solvency of the borrower, as well as the amount of the initial advance, the condition of the car (new, used), the country of the car manufacturer (domestic, foreign) and other aspects.

The main indicator that regulates the loan fee is the condition of the vehicle.

For new cars, the minimum rate can be from 16.5% per year, while for used vehicles – from 20.9%.

Dates of issue

An application for a possible loan is reviewed within two business days.

The procedure for concluding an agreement largely depends on the client (how quickly he submits documents to the bank, how quickly he pays insurance premiums, etc.).

The car loan itself can be issued for a period from 1 year to 5-7 years.

How does the repayment work?

The car loan is repaid monthly in equal payments. The exception is the first month - repayment is preferential, only interest is paid.

If the borrower fails to repay the loan on time, the bank charges a penalty of 0.1% of the debt amount. Early repayment is acceptable.

You can pay your loan debt in any convenient way:

• in ATMs equipped with a function for accepting cash bills;
• at VTB 24 bank branches;
• via Internet banking;
• through other credit institutions;
• through the Zolotaya Korona system.

Advantages and disadvantages

There are many advantages of taking out a loan with VTB 24, we will list only the main ones:

• several car loan programs;
• no registration fees;
• It is possible to get a car loan without proof of income;