Raiffeisen car loan interest rate calculator. Beneficial car loan programs from Raiffeisenbank

Raiffeisenbank occupies a stable position in the car insurance market. A wide range of opportunities offered by the bank, profitable terms for car loans, various programs - all this is done by this banking institution a stable and profitable partner for buying a car.

Conditions for car loans at Raiffeisenbank

Raiffeisenbank offers the following opportunities:

• about 400 car dealerships with which close cooperation is ensured;
• one and a half hundred brands of cars of domestic and foreign production;
• The borrower can choose a dealer and a car within four months;
• flexible conditions with insurance;
• Possibility to offer an old car as a down payment.

You can get a car loan from Raiffeisenbank under the following conditions:

• a car loan for the purchase of a car is issued in any currency;
• annual percentage ranges from 14% to 22%;
• the size of car loans ranges from 100 thousand to 3 million;
• a car loan is issued for a period of one to seven years.

There is a loan processing fee for those who have not been a bank client for more than one year. Raiffeisenbank also requires annual CASCO insurance.

In case of early repayment of the loan, interest will also be accrued in the first half of the year, after which the additional payment will be withdrawn.

Apply for a car loan online

In order to submit an application, you must meet a number of requirements:

• have Russian citizenship, as well as registration at the place of residence in the region in which the bank has a branch;
• have a permanent place of officially paid work for at least the last four months;
• The age of the applicant must be 21 years or older, the maximum limits are 55 and 60 years for women and men, respectively.

An online application for a car loan from Raiffeisenbank can be submitted on the bank’s official website. It is considered in more short term. After pre-approval, the applicant may provide Required documents for final consideration of the application.
To apply online, you must carefully fill out all the details. They will be checked and, if incorrect, may result in a refusal to issue a car loan.

Car loan from Raiffeisenbank without down payment

Raiffeisenbank offers convenient conditions for down payments. For recently assembled cars without mileage costing up to $20,000, you can get a car loan without a down payment. For more expensive cars, it is possible to get a loan with a lower down payment.

Also, depending on the funds initially contributed, not only interest rate, but also minimum amount monthly payments.

Interest rate on car loans

The interest rate on a car loan at Raiffeisenbank directly depends on a number of conditions. Providing a certificate of high and stable income reduces the interest rate to the minimum. However, the absence of a down payment or a minimum down payment negatively affects the final annual interest rate.

The interest rate on a Raiffeisenbank car loan also depends on the program under which the car loan takes place:

• Autoexpress - the interest rate is 15% with a maximum loan of one and a half million rubles and a minimum contribution of 15%; The main advantage of such a loan is fast processing based on only two documents;
• a car loan at 12.5% ​​per annum can be issued with collateral and guarantors;
• Reliable choice and more opportunities - the programs are designed for a high-quality approach to the car and its documents; An interest rate of 14.5% is offered with a minimum contribution of 20%;
• refinancing - the ability to repay current loan new.

The Raiffeisenbank program also offers to issue a car loan using the Trade-in system. In this case, the interest rate will be 9.5%, and the loan size can be up to three million.

Loan calculator for calculating the interest rate on a car loan

Raiffeisenbank offers a loan calculator on its website that will allow you to calculate the interest rate online. This will allow applicants to immediately evaluate the bank’s offers, as well as the amount of overpayment on the loan.

The car loan calculator is used to assess your own solvency and maximum size lending you can count on. However, it is worth understanding that the final percentage credit rate You can find out at the bank branch.

Do you dream of your own car, but have doubts? It's time to take advantage loan calculator Raiffeisenbank "Auto loan" to quickly understand the profitability of the loan and the simplicity of the transaction. The number of car loan programs will satisfy the needs of any client, pleasantly surprising with their conditions.

Raiffeisenbank is one of the leading credit institutions for issuing car loans. The number of partner showrooms is over 2000. About 500 brands of domestic and foreign automotive manufacturers are available for purchase. You can buy on credit not only a brand new car, but also a used car.

The bank offers future borrowers to choose the brand of car, the salon in which the contract will be concluded, as well as the option of the package of documents. Depending on the completeness of the collected securities, currency, loan term, and the amount of the down payment.

Conditions for a car loan at Raiffeisenbank:

• the purchased car becomes collateral;
• To complete the transaction, you must purchase a CASCO policy;
• The period for repaying the debt is 3 years. An option to increase up to 5 years is possible;
• annual percentage – 6.4 – 22%;
• a unique opportunity to receive from 6.5% per annum when participating in special promotions for certain cars;
• reduced coefficient (0.5%) for clients of salary projects;
• minimum limit – 80 thousand ₱;
• maximum loan – ₱1.5 million at down payment 15-25%. An increased limit of up to ₱ 3 million is possible if the client deposits 40% of the amount immediately total cost auto;
• variations of the down payment – ​​15-85%.

Interest rates

There are many offered auto programs for purchasing a car through a dealership. For 2020, the loan rate varies between 6.4-29%. The run-up seemed to be very significant, but it takes place.

Available car loan options:

Car loan from Raiffeisenbank with conditions available to many potential clients. If you have any doubts or something is unclear, contact the bank for clarification and selection the desired program and a car dealership.

An initial fee

The client can fulfill the minimum requirement for the chosen program, that is, make an initial payment in the amount specified in the contract. In general, the PV ranges from 15-20% of the total estimated amount. It is also possible to increase the PV up to 85%. Most often, this option is necessary to increase the issued credit limit.

Requirements for the borrower client

There is simply little desire to get a car on credit; you must meet a number of requirements of a banking institution. Namely:

1. age – 23-65 years. According to the standards developed by Raiffeisenbank, the client cannot be younger than 23 years old, and also no older than 65 years old at the time of the last payment under the loan agreement;
2. total income – 15 thousand ₱ for the capital and Moscow region, 10 thousand ₱ for other regions;
3. continuous experience - from 4 months in one place for individuals, businessmen - 1 year, for clients who have previously entered into loan agreements in Raiffeisenbank with a successful outcome – 1 month;
4. car registration must be carried out in the region in which the bank branches are present;
5. provision of hospital and mobile phone for communication;
6. availability of funds to make a down payment;
7. complicity of the guarantor (optional). This item gives you a chance to increase the loan amount.

Collection of documentation

What documents can the bank ask for? There are two package options: simplified and full. If you choose the second one, you can count on a reduction in the rate on your car loan.

List of required papers according to a simplified scheme:

• passport;
• military ID/passport;
• driver's license.

Full list:

1. passport;
2. income certificate;
3. labor contract or employment contract;
4. driver's license.

Raiffeisenbank considers applications from clients who are not officially employed. The rate on such a car loan will be higher, but the amount will be lower.

You cannot submit an application form online, but to save time at the bank, you can print the form from the website.

Conditions of CASCO Insurance for car loans in Raiffeisen

Car insurance is an important point in such contracts. It is impossible to refuse it; not a single bank will agree to the deal. CASCO is required. Many banking institutions enter into transactions separately from insurance, that is, you first choose a car, agree on its purchase, then buy insurance, provide a certificate to the bank, and only then receive a transfer of funds to the car dealer’s account.

Raiffeisenbank offers borrowers a loan with a CASCO policy included. In this case, you can only count on 85% of the loan from the value of the car.

Any companies from the list https://www.raiffeisen.ru/common/img/uploaded/files/retail/carloans/spisok_strahovikh_comp_avto.pdf that meet the bank’s requirements are suitable for concluding a CASCO agreement.

Online down payment amount calculator

The Raiffeisenbank car loan calculator is available on the website. It's quite easy to use. The service is located in the “Loans” section. Fill in the information and get the most approximate version of the monthly payment, overpayment, and repayment schedule.

For a more detailed calculation, it is recommended to visit a banking institution for consultation. The specialist will help you choose a Raiffeisenbank car loan program, calculate the amount of the down payment and payments using a calculator, and also describe the terms of the agreement in more detail.

Need a car? Contact Raiffeisenbank. Save on interest, get your dream car and excellent service.

Not everyone who plans to purchase a car at a MAS Motors showroom has all the required amount at once. But this is not a problem if you use the services of one of the salon’s partner banks. More than 30 different banks offer loans. One of them is Raiffeisenbank.

This credit institution began operating in Russia in 1996, although the Raiffeisen group (which includes many banks throughout Eastern Europe) has existed since 1927. In 2015 he was recognized as the best foreign bank in Russia.

Credit products

Raiffeisenbank is one of those credit institutions, which focus on universal loans to private clients. Any potential client can take the required amount and collateral from the bank vehicle not required. True, this approach increases the bank’s risks and therefore the maximum loan amounts have been reduced.

1. Personal loan
2. For salary clients
3. For Premium customers

Their main parameters are as follows:

The loan amount depends on the client’s capabilities. No guarantee or collateral is required for loans.

The application review period ranges from 1 hour to 1 day.

You can count on a reduced interest rate on the loan when ordering insurance services for the recipient, otherwise the rate increases to the maximum.

Requirements

Loans are issued only to citizens of the Russian Federation with permanent residence in any region.

Age – from 23 to 67 (the maximum indicator is considered at the time of repayment).

Confirmed income (considered minus all taxes using a 2-NDFL certificate, although it is possible to provide a 3-NDFL or a bank certificate) must be at least 25 thousand rubles. for residents of Moscow and Moscow Region, as well as the Leningrad region (including St. Petersburg), and at least 15 thousand rubles. for residents of other regions.

The duration of work in the last place should not be less than six months (requirements are reduced only for salaried clients - from 3 months).

Documentation

In most cases, to submit an application you will need a standard package of documents:

1. Passport,
2. A copy of the work book,
3. Certificate of income (this may be form 2-NDFL, in some cases 3-NDFL or bank form).

For salary clients of Raiffeisenbank, only having a passport will be enough.

The current situation in the automotive market for foreign and domestic cars often forces buyers to make purchases at bank funds. Even used cars cost big money, which not every Russian can single out at a time. Knowing the state of affairs, banks do not miss the chance and offer car loan programs. A popular solution today is to take out a car loan from Raiffeisenbank, however, not in the classical sense of this concept. The fact is that Raiffeisenbank does not offer a car loan as a separate product line, but it provides a consumer lending program, which, according to the bank itself, is much more profitable than a standard car loan.

Consumer loan to buy a car: advantages

Raiffeisenbank offers a “car loan” without a down payment, which already distinguishes the product from most car loan programs. In addition, a consumer loan allows you to refuse CASCO insurance. Some banks also do not oblige clients to take out insurance, however, in such cases, this fact affects the growth of the interest rate, which cannot be said about consumer credit Raiffeisenbank. An absolute advantage is the absence of any requirements for the object of purchase: the car can be new or used, of any year of manufacture, with any number of owners before sale, as well as of any make and model. Because unlike a car loan, the car will not be the subject of collateral. Another advantage is that the title will be in the hands of the buyer.

Regarding specific banking product, its advantage is the rapid consideration of the application on the day of its submission, receiving free debit card, no commission for issuing a loan.

Raiffeisenbank: car loan - conditions

Interest rates for a car loan at Raiffeisenbank start at 10.99%. But minimum bid is calculated only from the second year of lending and only if the borrower has activated the financial protection program. In the first year, the minimum rate will be 11.99%, but not all borrowers can count on it. Its size is influenced by many factors, including the period and amount of the loan. The bank will also consider your credit history, the level of your income, the method of confirming it, the fact of belonging to salary project bank and other indicators of client reliability.
The terms of the loan product are as follows:

• period – from 360 days to 5 years;
• bank limit – 2 million rubles;
• the minimum issuance amount is 90 thousand rubles;
• currency - rubles;
• maximum bet – 18,99%;
• early repayment- provided. The debtor has the right to repay the debt from the first day of the contract;
• deferment of the first payment is possible for 2 months.

Disadvantages of the loan program

It is worth paying attention to the fact that loan rates are quite high, especially their maximum values, and also that from the first day of late payment, the bank charges a penalty of 0.1% of the debt. Also, in the absence of a complete package of documents, the lender is ready to issue only 1 million rubles. Therefore, only those borrowers who have proven themselves to be reliable clients with an official source of income of average and high level, as well as with an unblemished credit history.

In order not to feel the overwhelming financial burden and to prevent fines in the future, it is very important to use a calculator and calculate a Raiffeisenbank car loan. The calculation will provide data on the size of the monthly payment in the first and subsequent years, and will also allow you to assess your own strength to repay the loan.

Raiffeisenbank: car loan refinancing

Like a car loan, refinancing car loans at a bank is not targeted. Borrowers who are dissatisfied with the terms of current loans, including those taken out to purchase a car, can receive funds to repay them and begin paying off the debt on new, more favorable terms.

Car loan refinancing for individuals at Raiffeisenbank occurs under the same conditions as customer credit: maximum term– 5 years, amount – 2 million rubles, and the standard minimum rate is 11.99%. At the same time, clients can combine up to 5 credit products, registered in different organizations. The main requirement is the absence of delays.

Car loan calculator

Calculate a car loan according to the terms of Raiffeisen Bank using online calculator to understand whether it’s worth getting a car loan: