Car loan for commercial vehicles for individuals: conditions and interest rate. Car loan for commercial vehicles Loan for small commercial vehicles

Used commercial vehicles in Moscow

By contacting a specialized company, you can count on being able to buy a decent commercial vehicle on credit. Favorable terms of cooperation are guaranteed. What should you pay special attention to?

Advantages of buying a commercial vehicle on credit

• The loan is issued in the shortest possible time, so you can quickly become the owner of a decent vehicle. This will allow you to quickly start doing business.
• It is best to buy a used commercial vehicle on credit. By giving preference to this option, you can avoid mandatory expenses when starting a business, thereby significantly increasing the chances of success. If the situation develops favorably, the loan will already be repaid using the profit.
• A used commercial vehicle is cheap, but you can try to find the best model that will definitely pay for itself. In fact, the choice is much wider than it was before.
• Cooperation with a specialized salon promises to be as profitable as possible and at the same time safe.

How to buy a commercial vehicle on credit from our company?

By contacting our organization, you first have the opportunity to carefully familiarize yourself with all the models offered, see their descriptions and photographs, and then make the right choice. By submitting an application, you get a chance to purchase a vehicle in the near future. At the same time, maximum benefits of cooperation and an individual approach are guaranteed. You will definitely be satisfied that you contacted our company. A correctly made choice will certainly help ensure that the commercial vehicle purchased on credit will be useful in business and contribute to your first profit.

For many, purchasing a car is a means of comfort and freedom of movement, but for many it is also an opportunity to maintain a successful business. Many companies providing taxi or cargo transportation services require timely updating of equipment, so a car loan for commercial vehicles is in great demand. You can get information about the best loan offers on our website.

Features of car loans for commercial vehicles

To purchase one vehicle unit, it is better for a company to contact a bank to provide a consumer loan. A commercial loan for vehicles involves the purchase of large quantities of cars that belong to one of the following categories:

• Vehicles of category D.
• Category C cars.
• Certain Category B vehicles purchased by specialized companies for specific purposes (eg taxis).
• Special-purpose equipment (tractors, combines, trailers, etc.).

Russian banks have strict requirements for clients wishing to buy commercial vehicles on credit. They must be registered individual entrepreneurs and legal entities. Banks require the provision of a complete list of documents, including information about the company, founders, and financial statements. You will also need to make an initial payment of at least 20-30% and provide collateral (in most cases, the collateral is the purchased commercial vehicle).

Getting a car loan for a used commercial vehicle will be a little more difficult, and the client will have to take out comprehensive insurance. Interest rates can vary from 7 to 20%.

How to get a loan for a commercial vehicle?

Our website presents the best offers with the ability to submit an online application for a car loan. After filling out the form, you must wait for the bank’s decision and visit the bank with all the necessary documents to formalize the agreement.

We sell commercial vehicles for the following purposes:

• transportation of passengers;
• transportation of various goods;
• use as a chassis for special equipment.

At Major you can buy commercial vehicles from different manufacturers. Our catalog includes passenger minibuses, cargo vans, pickups, cars with flatbeds and insulated vans, etc.

Commercial vehicles in Major

We officially represent commercial vehicles from the concerns Citroen, Fiat, Ford, Nissan, Mercedes-Benz, Peugeot, Renault, Volkswagen. Thanks to this assortment, you will select suitable cars in accordance with your requirements in terms of options and price.

It is very easy to choose a suitable commercial vehicle in our catalog. To make your search easier, you can set the appropriate search parameters in a special filter, and the system will display suitable options.

Buy cars on favorable terms

Among the advantages of cooperation with Major is the opportunity to purchase vehicles as part of promotions and special offers. This will allow you to save a lot when purchasing machines for commercial purposes.

We sell not only new commercial vehicles in Moscow. In this section you can select cars that were used for test drives. They are covered by a warranty just like new ones.

We carry out a full range of work on warranty and post-warranty maintenance of equipment. As well as additional services for lending, leasing purchases and others.

The list of services of most modern banks includes a financial instrument - car loans. Borrowing money for a car is not difficult - you just need to decide on the car and choose a suitable loan program. According to these programs, you can also take out a car loan for a truck for individuals.

If the buyer needs a truck for business or cargo transportation, banks have several programs for providing funds with various conditions.

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As a rule, it is easier to take out such a loan than for an enterprise or individual entrepreneur. In all cases, commercial banks try to make the conditions as simple and profitable as possible, thereby attracting their clients.

Car loan programs for trucks are not particularly different from the same financial products for passenger cars; the main differences are in the requirements for the product being purchased and its parameters. Most often, banks provide money for new cars, but there are also several programs for used vehicles.

The need to purchase a cargo vehicle arises when logistics services are created in a business, or when the existing vehicle fleet wears out, breaks down, when the developing business of an individual entrepreneur-individual increases the need for cargo transportation, as well as when other needs arise for a private individual, including and household.

The features of these loans are:

• cargo equipment is often much more expensive, and this, in turn, is reflected in the bank’s income requirements for the borrower;
• often individual entrepreneurs need several trucks, so the loan amount can be large;
• the bank almost always requires insurance for such cars;
• Until recently, such loans were mainly used by enterprises, but recently they have been gaining popularity for individuals, so there are enough such programs in the financial services market.

Registration procedure

The first thing you need to do before applying for a loan is to choose a reliable financial institution.

In this case, it is advisable to evaluate the following parameters:

• position of the credit institution in the financial market;
• the period during which the bank provides such services and its experience (the longer the organization works with such programs, the more experience it has and, accordingly, reliability);
• on what conditions does the lender cooperate with individuals and legal entities;
• whether there are special options for conditions for concessional loans in the organization’s portfolio;
• Do loans take into account the characteristics of individual entrepreneurs and businesses?

You need to familiarize yourself with the following points:

• pricing and cost of credit;
• availability of documents necessary for execution of the contract;
• requirements for collateral, surety, and other security;
• what is the down payment?
• is insurance required?
• conditions for early repayment.

The set of documents for the loanee depends on each specific program, but usually it is as follows:

• confirmation of the client’s authority (power of attorney), documents identifying an individual: passport, business registration certificate, TIN;
• documentation related to the constituent documents, if the client is engaged in business;
• accounting, tax, reporting and other documents indicating the financial condition of an individual entrepreneur or certificate of income from the place of work;
• documents of guarantors, notarized consent of one of the spouses, if provided for by the program.

The bank may also require copies of contracts with counterparties, account statements and other documents to assess the level of success of an individual entrepreneur

Stages of obtaining a loan

The entire procedure for obtaining a loan can be divided into the following stages:

• study the terms of the programs and choose the appropriate one;
• collect and prepare a package of documents (the lender has the right to demand any documents about the work of an individual entrepreneur or about the income of a private individual, so they should first be put in order);
• fill out an application form and send it through the bank’s website or complete it directly on the spot by visiting a bank office;
• after reviewing the application, the bank specialist makes a decision and informs the client about this, scheduling a convenient time for a visit to the office to sign documents;
• some loans are issued without proof of income, but then there are increased requirements for their collateral and security;
• after approval of the application, a purchase and sale agreement is drawn up at the car dealership or with the seller of the goods (in this case, a CASCO or other type of insurance agreement is also drawn up);
• the client makes the first payment, after which the car purchase and sale agreement, insurance documents, receipts are submitted to the bank, where the loan agreement is drawn up (the money goes to the buyer’s account or directly to the seller’s account);
• the buyer can pick up his car, but it should be noted that until the loan is repaid, it is pledged to the bank.

Banks that issue auto loans for trucks to individuals develop various conditions, taking into account the specifics of transport: for new or used trucks, commercial vehicles, and special equipment.

These same conditions may be different, taking into account the specifics of clients (individual or legal entity, individual entrepreneur or enterprise). Recently, such financial products have become popular among individuals.

Car loan options for a truck for individuals

There is an extensive list of loan programs for individuals. Below are a few of the most typical and profitable ones in the financial market.

Rosbank

Conditions of a car loan from Rosbank:

iMoneyBank

This institution will provide the opportunity to take advantage of the “Autoexpress-Regions” and “Autoexpress-iMoney 10 to 10” programs. Read more.

AK Bars

A loan for freight transport from this organization is provided under the following conditions:

Credit Europe Bank

Here you can get a loan for a truck according to the following parameters (“Partner” loan):

Moscow Regional Bank

The conditions at the Moscow Regional Bank are as follows:

Transcapitalbank

The institution offers the following conditions:

ICD

Conditions from Metallurgical Commercial Bank (AutoStyle loan):

Differences from the passenger model

You can evaluate the difference between car loans for cars and trucks by comparing the typical terms of such loans from three banks:

As you can see, the conditions are not too different, the only difference is the purpose of the car.

Before choosing a car, you should evaluate its parameters; often the lender himself sets his own requirements for it.

According to them, there are four types of goods:

• new car or used, what mileage;
• foreign manufacturer;
• domestic car.

The following characteristics of the machine are analyzed:

• fuel consumption;
• cost in relation to practicality on the road, capacity, transformation of the interior, cargo compartment;
• reliability;
• price of service and maintenance;
• Are spare parts available?

An example of an assessment would be the case of purchasing Mercedes cars: the vehicle is reliable, in demand for cargo transportation, parts are available, but they are difficult to find for the latest models, fuel consumption is moderate.

In this case, the lender can himself assess the degree of wear and tear of the car and, on this basis, make decisions on providing money

When purchasing a used product, pay attention to the following parameters:

• the actual mileage is set, taking into account that the speedometer can be twisted, but, as a rule, no more than 20 thousand km;
• wear of the body and parts. Moreover, less attention is paid to the deterioration of the interior;
• whether the truck was involved in an accident and how many times it was repaired;
• weak points of the suspension, engine, brakes;
• the condition of the gearbox, it should switch easily;
• The steering play should not be greater 25 degrees;
• you need to take a test drive and at the same time evaluate the operation of the engine, transmission and gearbox;
• leaks of oil or other substances indicate malfunctions;
• the doors must close and open tightly; a skewed cabin indicates an accident;
• the frame must be level;
• The discs must be free of chips and unevenness, without any signs of straightening.

Nowadays, a fairly large number of Russian banks offer their services in the field of lending. A huge plus is the fact that financial institutions provide loans not only for personal cars; it is also quite common and in demand. There is a logical explanation for this: it would seem that commercial transport may only be needed by people running their own business - individual entrepreneurs and legal entities. But the problem is that legal entities and individual entrepreneurs, acting as borrowers, have much less chance of receiving a car loan than individuals. In addition, banks always put forward more stringent requirements for businessmen, and car loans for individuals for the purchase of commercial vehicles have quite interesting and loyal conditions. That is why, when it is necessary to purchase commercial vehicles for doing business, it is often individuals who turn to the bank.

What type of transport is considered commercial?

Financial institutions issue car loans to individuals for commercial vehicles according to their own ideas about such equipment.

Banks classify it according to the following definitions:

• cars of category “B” - passenger vehicles that are purchased by an individual through a bank loan more than once every six months (this includes passenger cars for a taxi fleet);
• transport category “D” - vehicles designed to transport passengers, the number of seats in which ranges from 8 to 19;
• motor vehicles of category “C” - this includes vehicles whose weight exceeds 3.5 tons;
• special equipment, which also includes trailers and semi-trailers.

The terms of a car loan for a particular commercial vehicle will depend on the specific car, the amount of prepayment, the term and solvency of the borrower. Some banks willingly accept guarantees from individuals, and the loan amount that you can count on when applying to a financial institution depends only on your monthly income.

Which car loan program to choose

Banks offer many programs through which you can get car loan, commercial transport financed by financial institutions on a wide variety of conditions, among which almost everyone will find something suitable for themselves. For example, VTB24 Bank provides loans for the purchase of commercial vehicles by individuals without the need to confirm the borrower’s employment. The financial institution "AK BARS" allows its salary clients and borrowers with a good credit history to obtain a loan for commercial vehicles without having their own savings for prepayment, while the loan rate does not increase. This bank may include costs for CASCO insurance and additional equipment for commercial vehicles in the loan body. And Sovetsky Bank does not require you to purchase expensive CASCO insurance at all.

Choosing a car loan program for commercial vehicles should be based on your own preferences and capabilities. This includes whether you have your own funds to make a down payment, the desire to purchase insurance, and a preliminary calculation of your own capabilities, according to your income.

Financial institutions provide car loans not only for new commercial vehicles, but also for used ones, so with average earnings you still have the opportunity to buy a commercial vehicle on credit, even a used one.

Popular bank offers for car loans for commercial vehicles for individuals

To make it easier to decide on a car loan program for the purchase of commercial vehicles by an individual, we will consider several popular offers from different banks, their conditions and requirements.

Program "Car loan for commercial vehicles" from OJSC "AF Bank"

In this financial institution, individuals can obtain a car loan for commercial vehicles secured by the purchased property - cars of categories “D” and “C”, both Russian and foreign, except for Chinese cars. The bank gives borrowers the freedom to choose whether to buy CASCO insurance or not.

Basic conditions:

• the loan amount varies from 100,000 rubles to 3,000,000 rubles;
• the loan agreement is concluded for a minimum of 3 months, a maximum of 60 months;
• As an advance payment, you must make at least 20% of the cost of the purchased vehicle;
• The rate on a car loan is 18.5% per year (subject to the purchase of a CASCO policy; without insurance, the rate will be 21.5% per year).

A distinctive feature of this car loan program is the fact that in the first month of debt repayment the interest rate differs significantly from the initially established one and can be 24%, 36% or 48% per year, which is a big disadvantage of this car loan. But the loan must be repaid in equal payments, which reduces the burden on the borrower’s budget. As for the documents. Then the bank requires the following list from the borrower:

• passport of a citizen of the Russian Federation;
• document of your choice: TIN certificate, driver’s license, international passport;
• application form for a targeted loan for the purchase of commercial vehicles.

In other words, the bank is ready to provide a loan based on only 2 documents, but if necessary, it may require a certificate of income and proof of employment. Applications for a car loan are accepted from clients aged 23 to 55 years who have permanent residence in the region where the branches of the financial institution are located.

Commercial Transport program from VTB 24 Bank

Under this program, you can purchase a minibus, pickup truck, minivan and light commercial vehicles on credit for use for commercial purposes. The main advantage here is the fact that VTB 24 Bank makes it possible to obtain a loan for both new and used commercial vehicles. In addition, the car can be registered in the name of a spouse. The interest rate under this program directly depends on the amount of the prepayment and the age of the vehicle:

• the rate on a car loan for a new car will be 20.5% per year, provided that 20% of the cost of the car is paid and insurance is purchased with one’s own funds, or when 30% of the cost of the vehicle is paid and the CASCO premium is included in the loan body.
• The rate on a car loan for a used car will be 21.5% per year, provided that you contribute 20% of the cost of the car and purchase insurance at your own expense, or if you contribute 30% of the cost of the vehicle and include the CASCO premium in the loan body.

A car loan is issued in an amount of up to 3,000,000 rubles for a period of up to 5 years. The bank takes documents quite seriously, so you will have to prepare a complete package:

• application form for a targeted loan;
• passport of a citizen of the Russian Federation and its copies;
• driver's license and copy;
• a copy of the work record book (all pages), certified by the HR department at the borrower’s place of work;
• a document confirming income of your choice: a certificate in form 2NDFL, in any form, a personal bank account statement, or other documents confirming income;
• copies of educational documents and papers confirming the availability of liquid property owned by the borrower or his family (provided if available).

The bank allows you to bring your spouse as a co-borrower - in this case, such a person will need to collect a similar package of documents.

Applications are accepted from clients aged 21 to 65 years, with an official average monthly income of at least 8,000 rubles per family member.

Intechbank - “Commercial Transport” program

This financial institution is ready to provide car loan for commercial vehicles for individuals under the following conditions:

• The minimum advance payment amount is 30% of the cost of the purchased vehicle;
• the period for which the debt must be repaid ranges from 1 to 5 years;
• the interest rate is 17% per year for a loan period of up to 3 years, 18% per year for a loan period of up to 5 years (applies to the purchase of new commercial vehicles on credit);
• when purchasing used commercial vehicles, the rate will be 18% for up to 3 years and 19% for up to 5 years.

Rates are indicated taking into account the purchase of CASCO insurance (theft and damage); if you refuse insurance, the percentage will be increased by 2 percentage points. The amount you can count on when submitting an application varies from 100,000 to 2,000,000 rubles. When applying for a car loan for commercial vehicles with mileage, the bank sets the following age restrictions at the time of repayment of the debt: for cars of Belarusian, Russian and Chinese production - 5 years, for cars of American, European and Asian production - 7 years.

The borrower is required to be permanently registered in the region where bank branches are present, be between 21 and 60 years of age, and have a total work experience of at least 1 year. In addition, a complete package of documents is not excluded, which includes: an application form for a targeted loan, a Russian passport, a copy of the spouse’s passport, a TIN certificate, rights, a certificate of income in the form of a bank or 2NDFL. If an individual is the owner of a business, copies of the constituent documents and an information letter detailing the company’s activities must be added to this list.

Credit Europe Bank

This financial institution has a wide range of commercial vehicle loan programs to choose from. For example, the “Autoexpress loan for commercial vehicles” program implies the following conditions:

• the period for which a loan can be obtained does not exceed 60 months;
• the amount is limited to 1,000,000 rubles;
• mandatory down payment amount - 30% of the cost of the car;
• interest rate - 25.5% per year, if you make a 50% prepayment, the rate will decrease by 0.5%;
• there are no fees for issuing a loan or its early repayment;
• compulsory CASCO insurance for the first year with extension for subsequent years.

Under the Classic Car Loan for Commercial Vehicles program, the conditions differ only in the maximum amount and interest rate.

In this case, the loan amount is limited to 2,000,000 rubles, and the interest rate is 24.5% per year.

In addition, Europe Bank has affiliate programs, car loan for commercial vehicles for individuals, within which it is issued under special conditions.

Bank Tetrapolis

At Tetrapolis Bank you can get a car loan for new commercial vehicles, which includes minivans, minibuses, pickups, light and heavy freight vehicles. The main conditions of the bank on which a car loan is issued are as follows:

The borrower is required to have: Russian citizenship, age from 21 to 60 years, and mandatory confirmation of income in official or free form. The bank charges a commission for non-cash transfers of funds to the account of the transport seller. The commission amount is 1% of the loan amount, but it does not exceed 2,000 rubles. The collateral for a car loan is property purchased using bank funds - commercial vehicles.