Finance, Loans
Preferential car loans - problem solving
Concessional car loans are a subsidized program, which has enjoyed a stable popularity in the vast expanses of Russia since the very beginning of its existence (namely, since 2009). 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 must 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 also necessary to remember that there are banks ready to subsidize the purchase of a vehicle, which, in addition to the minimum requirements set forth in the program, put forward some of their 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 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 that 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.
Preferential car loans are considered by many a very 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 entering into 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!
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