How to arrange a car loan in Sberbank

Due to the wide popularity and sufficiently high competition in car loans, obtaining a loan to buy cars is simplified significantly: a list of requested documents is prompted, the network of banks is expanding, various preferential conditions are provided, etc.

Before you choose your choice on one of the banks, calculate all your future payments. Sberbank of Russia on his official website Provides the ability to make these calculations in online mode. Here you can also fill out the borrower's questionnaire.

Conditions of car loans in Sberbank:

provided to buy a new car of any brand - both domestic and foreign production;
the loan amount varies within 45,000 - 50,000,000 rubles;
the minimum interest rate is 13.5% in rubles, the maximum is 16% depending on the term of the contract;
the amount of the compulsory initial contribution is from 15%;
loan period - from 3 to 5 years;
the absence of commission for the issuance of a loan;
the age of the borrower is at least 21 years at the time of the conclusion of the loan agreement and no more than 75 years at the time of the last payment.

Sequence of actions in obtaining car loans:

collect a package of necessary documents;
fill out the application with personal data;
submit documents to one of the departments of Sberbank or contact a car dealership, which has a cooperation agreement with the Bank;
after the Bank decides a positive decision on the provision of a loan (the application is considered from 2 hours before 2 days), select the car and fill in the required documents in the auto show (up to 90 calendar days are given to these actions);
tell the insurance contract in case of hijacking or damage;
subscribe and sign the mortgage and loan agreements;
the bank will list the amount in accordance with the loan agreement in the car dealership;
get the keys and car from the car dealership, place the documents for owning them.

Among the benefits of car loans, Sberbank is allocated:

the ability to attract a coacher, who can perform a spouse (a) to take into account the cumulative income of the family;
the Bank proposes to additionally issue a credit card (a limit of from 150,000 to 200,000 rubles) during the conclusion of a loan agreement or after that;
it is possible to issue a life insurance contract to the car loan;
citizens of the Russian Federation, who receive wages or retirement in Sberbank, cannot attract coaches, but use privileges to reduce interest rates by 1% in car loans.

Package of documents for applications in Sberbank for car loans: questionnaire and application, passport of the borrower and co-cooration, document on temporary registration if available, certificate from the place of work on wages and labor employment time. If we make a loan without confirmation of income, then instead of references from work it is necessary to provide an additional decisive, which certifies the personality (driver's license, passport, etc.).

At the stage of signing a loan agreement, the Bank requests a package of documents from a car dealership and a borrower:

payment documents for the calculations for the vehicle;
contract for the sale of TS and copies of the TC passport;
tC insurance contract in case of hijacking or damage;
check on payment of the initial contribution.

After the mutual signing of the contract of car loans, Sberbank lists the agreed amount on the account, which allows the acquisitive operations, further to the car dealership. If necessary, then the text of the contract provides for the amount for insurance.