Analysis of financial indicators of Sberbank. General characteristics of PJSC Sberbank of Russia

Sberbank is the largest lender in the entire Russian economy. IN banking system of the country, its share is about 30%. Since 1981, the bank has been trying to offer its customers the widest possible choice banking products. This may be why most people who want to buy a car apply for a car loan at Sberbank.

Requirements for the borrower

Anyone can apply for a car loan from Sberbank to purchase a used car if they meet the basic requirements:

citizenship of the Russian Federation;
permanent registration;
age from 21 to 65 years, with a certificate of income up to 75 years;
official employment;
at least six months of experience at the current place of work;
at least one year of experience in the last five years.

An important condition is the presence of a stable monthly income. The pension is considered official income; a certificate of its amount is issued by the pension fund.

Lending terms

The main conditions of a Sberbank car loan for a used car are as follows:

credit period - from 3 to 60 months;
loan amount - from 45 thousand to 5 million rubles;
loan currency - Russian ruble;
down payment - 15%;
no commission;
compulsory car insurance;
credit rate- from 14.5% to 16%, which depends on the loan term.

The bank takes two days to review the application. The review period may increase by another two days if the bank wants to check the activities of the car dealership. During this time, all information provided by the borrower is checked, a request is sent to the bureau credit histories. If the applicant is a client of Sberbank, then the review period may be reduced to two hours, since all the necessary data is already known to the bank.

Although, according to the terms of the loan, the loan amount can be up to 5 million rubles, the actual size of the loan is determined by the confirmed solvency of the borrower. To do this, the potential loan recipient must submit a certificate in Form 2-NDFL, which will confirm the presence of sufficient income for monthly payments. The loan calculator on the bank's official website will help you calculate the size of the loan and payments required by a car loan for a used car at Sberbank.

The shorter the loan term, the more reliable it is considered, therefore, the rate on it will be lower. When lending for 1-3 years, the rate will be 15.5%, for a longer period - 16%. For clients participating in salary project Sberbank automatically lowers the rate by 1%, since such borrowers are considered more reliable.

Required documents

The package of documents required to obtain a car loan for a used car from Sberbank includes:

application for a loan - you can submit it at any branch of Sberbank;
passport confirming citizenship and registration;
additional document to confirm identity - this may become driver's license;
income certificate - even if it is not officially required, having it will speed up the decision-making process and increase the likelihood of a positive answer;
copy technical passport for a used car;
insurance policy;
payment receipt down payment;
a document certifying payment of the insurance premium;
contract of sale.

Procedure for obtaining a loan

Buying a used car with a loan from Sberbank is not as difficult as it might seem at first glance. You can submit an application at any bank branch, and card holders can fill out a loan application through Sberbank Online.

In no case should you try to deceive the bank, since all information is checked very carefully, which is not surprising, because the loan amount is quite large. A bank employee will definitely call your place of work, send a request to the credit history bureau, and check the status of your accounts.

After submitting the application, the bank manager will call the applicant back within two days and announce the decision. If the decision is positive, the client is given 90 days to select a suitable car. After the car is selected and checked, a sales contract is drawn up and the client pays 15% of the cost of the car, confirmed by the issuance of a receipt.

The next step is car insurance under the CASCO program. In this case, you can choose an accredited company from the list offered by Sberbank. After this, a copy of the purchase and sale agreement, a receipt for payment of the first installment, documents for the car and an insurance policy are submitted to the bank. After checking the documents, the bank invites the borrower to conclude loan agreement. Cash are transferred to the direct owner, and the borrower receives the car.

The car becomes the property of the borrower immediately after the money is transferred, but until the end credit period it is collateral. Therefore, it is not possible to sell a car without the bank’s permission.

Where to find a used car?

When deciding to buy a used car, a potential car owner is faced with a dilemma - go to a car dealership or buy a car second-hand on the car market. Of course, you can buy a car from a private owner much cheaper, but at the same time the risk of the car having a “dark past” increases significantly - it may be listed as stolen, it may have undergone significant alterations, or it may even be a “drowned car.”

By receiving a loan from Sberbank to purchase a used car, the borrower is freed from such doubts - you can only purchase a car at a car dealership, and even then only at one that is approved by the bank.

Age restrictions for used cars

An important condition for lending is the age of the car. The older the car, the greater the risk of breakdowns. What matters is not how old the car is at the moment, but what age the car will be by the end of the loan payment. For domestic cars, the requirements are usually lower than for foreign ones, but on average, by the end of the credit period, the car should be no more than 8-10 years old.

The bank can also set the mileage rate, model and make of the car. This is due to the high risks of car loans. If the borrower is unable or unwilling to repay the loan, the bank will have to sell mortgaged property, in this case a car. Therefore, it must be liquid and its value must cover banking risks.

Features of insurance

Sberbank requires compulsory insurance under the CASCO system when issuing a loan for a used car. But Insurance companies They are quite reluctant to accept cars aged 7-9 years, and if they agree to the insurance procedure, they set the highest rates. This state of affairs can be explained simply - even in the event of a minor accident, the cost repair work may significantly exceed the insurance premium paid by the client.

There is a possibility of registration insurance policy taking into account the wear and tear of spare parts and components. However, not all insurance companies agree to this, since it is unprofitable due to the reduction in the cost of the policy. But having chosen this option, you should remember that if service repairs are necessary, for example after an accident, you may have to spend a significant amount of your own money.

How is a car loan repaid?

A car loan received from Sberbank for the purchase of a used car is repaid in equal (annuity) installments. If desired, early repayment of the loan, partial or full, is allowed; the bank does not impose any penalties. All you need to do is submit an application indicating the date of payment.

For late payment of a monthly payment, the bank applies a fine of 20% per annum. The penalty amount is charged on the overdue amount for a period equal to the period from the first day of delay to the date of payment.

Sberbank's car loan for used cars differs only slightly from the loan program for the purchase of new cars. The main difference concerns sellers - you can only purchase a car at a dealership. If you want to buy a car from a friend or relative, you need to register it through the dealership, just like through a consignment store. With these lending conditions, the bank protects itself from dishonest transactions that may be associated with broken or stolen cars. The owner of the car or the buyer will have to pay the commission for the services.

Advantages of purchasing a used car on credit

The main advantage is to minimize costs. The size of the down payment is on average 20-30% of full cost(15% at Sberbank), and since the price of a used car is much lower than that of a new one, the savings are obvious.
When buying a used car with a loan from Sberbank, you can buy both a domestic model and a foreign car.
A loan allows you to purchase exactly the car that you like, not the one for which you had enough money.
The interest rate on a car loan at Sberbank is considered one of the lowest, and under certain conditions the rate can be reduced by several percent.
After applying for a loan, you can immediately take possession of the car.
Purchasing a used car on credit allows you to make lower monthly payments than when purchasing a new one.
When buying a car at a dealership, you can be sure that the car has no criminal record, and experts will help you choose the most suitable option.

Disadvantages of buying a used car on credit

When applying for a car loan for a used car at Sberbank, the age of the car is of considerable importance, but these are the conditions of other banks as well.
You will not be able to get a loan to buy a used car from Sberbank if you do not have CASCO insurance.

Features of car loans from Sberbank

If the client is ready to make a down payment of 30% of the cost of the car, then provide a certificate of wages not required.
The list of domestic models that can be purchased through Sberbank includes about 50 models.
When applying for a car loan, Sberbank does not charge a commission from the client.
Price compulsory insurance CASCO can be included in the loan amount.
Thanks to the Sberbank Cooperation Program, you can apply for a car loan directly at a car dealership, and the list of partner dealerships is very large.

Sberbank's credit policy is aimed primarily at maintaining a balance between the interests of the bank and clients. Despite the difficult economic situation in the world, Sberbank strives to make car loans accessible to the middle segments of the population. However, the bank is increasing its attention to the solvency of clients and the level of debt load, trying to offer each client the most suitable loan product.

Sberbank tirelessly increases the availability of its loans, focusing on the capabilities of the average citizen. That is why a car loan for the purchase of a used car allows almost any adult and solvent citizen of Russia to become a car owner.

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* Attention! The information article may have outdated or incomplete information. Current information can be posted on the official website PJSC Sberbank sberbank.ru

A bank that is known, perhaps, to every resident of Russia. It is one of the largest not only in the Russian Federation, but also in the CIS countries. The bank's shares are 50% owned by the Central Bank of the Russian Federation, and almost half are owned by foreign investors.

Loans for the purchase of a car from Sberbank

Until recently, the bank offered to issue a car loan at a rate of 13.5% to 16% for a period of 5 years. However, today you can only register here consumer loan for any purpose, including purchasing a car. This option has a number of advantages:

The interest rate is lower than that of a car loan.
There is no need to register the purchased car as collateral to the bank.
There is no need to enter into CASCO insurance.
There are no requirements for the car - you can buy it either new or used, in the showroom or second-hand.

Let's consider credit products Sberbank, which are best suited for buying a car.

Loan without collateral

Amount from 250,000 to 3 million rubles (with a guarantee - up to 5 million rubles).
Rate from 12.5% 18.5% (salary clients and those who receive a pension on a Sberbank card will receive a discount from the minimum of 1 percentage point. If you attract a guarantor, you can reduce maximum bet by 1 percent).
Loan terms range from 3 months to 5 years.

Guarantors are subject to the same requirements as borrowers.

Loan for any purpose

Interest rate from 12.9% to 19.9%.
Amount from 30,000 to 3 million (up to 5 million if there is a guarantor).
Loan terms up to 5 years. It is possible to repay the loan at any time without commission.

Regular promotions carried out by the bank will allow you to reduce the rate - check with the offices for details.

What is required from the borrower

Availability of Russian citizenship.
Permanent registration in the region where the bank has an office. If the registration is temporary, then the loan period cannot exceed the registration period.
There is work experience and a permanent, confirmed source of income.
Age from 21 to 65 years at the time of repayment according to the terms of the loan agreement (the loan can be issued to a borrower over 18 years old, but subject to the guarantee of employed parents).
Over the past 5 years, the total length of service must be at least 1 year, at the current place of work - at least 6 months (for recipients of salary on bank cards, it is enough to work for at least 6 months over the past 5 years and at least 3 months at the current place).

What documents need to be provided

Russian Federation passport.
Application form for a loan.
A certified copy of the work record book or employment contract. They can be replaced by a certificate from the employer, which indicates the position held by the borrower and length of service. The certificate must be certified by a signature and seal and contain all the necessary details.
Certificate of salary for the last six months (2-NDFL, certificate in the form of the employer, certificate in the form of the bank). If the number of months worked is less, you can provide salary information for the period actually worked.

Sberbank operates a “Car Loan” program, which provides the client with the opportunity to buy a new or used car. The main condition is that the purchased vehicle will be collateral for the transaction. A citizen will be able to fully own a car after paying off the debt.

We will tell you further about the conditions for a car loan at the main bank of the country.

Conditions for providing car loans at Sberbank

Citizens of the Russian Federation who are over 21 years old can get a car loan from Sberbank. The conditions and requirements for borrowers when providing a loan are:

Availability of a valid Russian passport;
Registration and registration on the territory of the Russian Federation;
Credit history without debts or arrears (you can check the CI);
Continuous work experience at the last place of work - at least six months. Over the last five years of work - at least one year;
The cost of insurance may be included in the loan amount (about how to return loan insurance if it early repayment, read);
The maximum amount that can be received to purchase a car is 85% of the cost;
The interest rate under the standard program varies from 13.5% to 17% in domestic currency and from 11.5% to 13.5% in euros and dollars. If the client applies, the interest rate will be from 8 to 10% per annum;
Car loan amount:
- From 45 thousand to 5 million rubles;
- Up to 120 thousand euros;
- From 1.4 to 150 thousand dollars;
Mandatory provision of a down payment. The minimum down payment is 15%.

A special feature of obtaining a car loan is that when providing a 30% down payment, the client does not need to confirm income. In this case, the list of documents will be reduced.

On a note! Unfortunately, today there is not a single Sberbank branch in Crimea, so these offers are not available to residents of the peninsula. But the plastic of the main bank of the Russian Federation works there. Read about how to withdraw money from a Sberbank card in Crimea.

Sberbank also has a large number of other offers. For example, you can find out the terms of a mortgage in Sberbank 2019 for secondary housing

Interest rate on a new car

You can get a car loan for the purchase of a new car at Sberbank at an interest rate of 13%. The final interest depends on the loan term:

Up to one year interest rate will be 13%;
From 1 to 3 years - 14%;
From 3 to 5 years - 14.5%.

For citizens who are not salary clients Sberbank and do not receive a pension on a bank card, the interest rate will increase by 1%. Also, 1% will be added to those who refuse life and health insurance.

Rate for a used car

Sberbank has a loan program for the purchase of a used car. The client will be able to buy a used car of domestic and foreign production at a car dealership, taking into account the following conditions:

The interest rate varies from 14.5% to 16%. Interest depends on the repayment period and loan amount.
IN mandatory The age of the cars is taken into account:
- up to 5 years for cars of domestic and Chinese production,
- up to 10 years for foreign car brands.

Will they give it without a down payment?

You can get a loan for a used car without a down payment from Sberbank. However, the following conditions must be met:

The interest rate depends on the currency in which the loan was issued;
On the day of purchase you must pay at least 15% of total amount car (this is the minimum down payment);
It is mandatory to obtain insurance from Sberbank Insurance;
The client must also provide a standard package of documents.

Can I register without a license?

You can get a car loan without a license at Sberbank if:

A car is purchased by one of the spouses or a relative as a gift;
Purchase for the purpose of renting a car. The money received will be used to repay the loan;
A car loan is issued some time before obtaining a license;
An individual makes a purchase of a vehicle for the company for which he works.
It is more difficult for a legal entity to do this due to paying taxes and paying out money.

Lenders will treat a citizen who buys a car but does not have a driver’s license with the utmost caution. More stringent conditions may be put forward: an increased interest rate, the involvement of guarantors with rights and a Russian passport, mandatory registration insurance.

Required documents for a Sberbank car loan

Add to list necessary documents includes:

Application form;
Regular and foreign passport;
Driver's license;
Military ID;
Vehicle purchase and sale agreement;
Document confirming payment for transport at a car dealership;
Vehicle passport;
Insurance policy;
Document confirming the payment of the down payment.

Additionally, you must provide: a certificate of income, a work record book or an agreement with the employer.

Quick application form

Fill out the application now and receive money in 30 minutes

Just a few decades ago, buying a car was considered an unaffordable luxury. The financial status of a family was judged by the presence of a car. Nowadays, a car is just a means of transportation. Almost anyone can purchase it on credit.

Today in Russia there are many banks where, with a minimum set of documents, you can get a loan to buy a car. But among the diversity financial organizations, Russians often choose Sberbank, considering it reliable and proven.

Conditions for obtaining a loan

On the official website of Sberbank there is credit calculator, where, if desired, it is possible to calculate an approximate monthly payment. Loan conditions and interest rates vary and depend on many factors - loan amount, loan period, loan purpose. For bank clients there is one procedure for granting a loan; for those who have nothing to do with the bank - another. But the main conditions are:

Russian citizenship;
age from 21 to 65 years;
permanent place of work(at least six months in the last position and at least 1 year of total experience).

Loan programs and annual interest

There is no car loan as such at Sberbank. But taking out a loan to buy a car is quite possible. Financial institution offers two types of loans for any purpose.

Consumer loan

The bank offers its clients the opportunity to issue credit loan in the amount of 15,000 to 3,000,000 rubles for any purpose, including the purchase of a car.

The approximate annual percentage is from 14% to 19% for a period from 3 to 24 months and from 15% to 20% for a period from 25 to 60 months.
For regular clients exemplary annual interest- from 15% to 20% for a period from 3 to 24 months and from 16% to 21% for a period from 25 to 60 months.

Consumer loan with guarantee

Loan amount secured individuals can vary from 15,000 to 5,000,000 rubles at a more attractive annual percentage.

For holders of salary and pension cards approximate rates from 13% to 18% for up to 3 years and from 14% to 19% for up to 5 years.
For regular clients approximately 14% to 19% for up to 3 years and 15% to 20% for up to 5 years.

Registration procedure

To receive a loan, you must leave an application at a bank branch, providing the required package of documents.

Salary clients of Sberbank m You can apply for a credit loan online, through Personal Area. To receive a loan at the branch, you need to provide bank card Sberbank and an identity document.

Required documents

To apply for a loan you will need the following documents:

application form;
passport(Russian citizenship and registration required);
salary certificate for the last six months;
a copy of the work record certified by the employer;

Early repayment of a car loan

If possible, credit can be repaid early at any time. This can be done either online or at a bank branch by writing a corresponding application. The loan repayment service is free.