Preferential car loans - problem solving
Preferential car loans - subsidizedprogram, which from the very beginning of its existence (namely since 2009) enjoys a stable popularity in the vastness of Russia. If you consider its terms, it becomes clear - when buying a car loan, taking part in it, the interest rate will be reduced by about 2/3 of the refinancing rate. Such a decline in value was made possible by a subsidy provided by the state. At present, car loans in Russia are in a phase of recovery - the number of banks that provide similar services is increasing day by day. Each such bank has its own loan product, adapted to the terms of the program.
- The cost of the car should not exceed 600 000 rubles.
- Auto - only produced by the Russian Federation.
- Loans are granted only for cars that have not been in use.
- The rate for preferential car loans is calculated based on the rate of the lending bank. It differs from the refinancing rate by 2/3.
- Such a loan may have a validity period not exceeding 36 months.
- The initial payment should not be less than 15% of the price of the selected car.
- The machine must be adequately insured for the risks of CASCO and OSAGO.
It is necessary to remember and that there are banks,ready to subsidize the purchase of a vehicle, which, in addition to the minimum requirements imposed by the program, put forward some of its own additional conditions. These include: the availability of additional income (except for the minimum level of the annual income of a potential borrower), a certain age, the consent of the spouse for the registration of a car loan and much more. All the subtleties can be learned by contacting the bank.
Preferential car loans: a list of cars that can be purchased:
- brands of domestic cars: GAZ, VAZ, IZH, UAZ, TaGaz;
- vehicles of foreign manufacturers,which produced in the Russian Federation: Chevrolet Cruze, Chevrolet Niva, Kia Spectra, Ford Focus, Fiat Albea, Renault Logan, Fiat Ducato, Fiat Doblo, Skoda Octavia, Skoda Fabia, Hyundai Accent, Hyundai Sonata, Renault Sandero, Peugeot 308 and others. .
Concessional car loans are widely considered quitea profitable transaction, due to the fact that it is much cheaper than buying a vehicle through the car salon. In this regard, if the dream car is on the list, you can safely go to the bank and make out a preferential loan for the purchase of the car. Nevertheless, before signing a loan agreement, it will be necessary to visit several credit institutions. This is due to the fact that the conditions can be quite noticeable. Always worth looking for a more advantageous offer! After all, there may be an option that even car dealerships can provide a fairly low interest rate!