Car loan from Raiffeisenbank. Advantageous loans from Raiffeisenbank: fast processing and maximum benefits

When choosing a banking structure for applying for a car loan, the decisive factor is how favorable the terms offered will be for the borrower. And Raiffeisenbank in this regard is excellent for achieving your goal.

What are the advantages of a car loan from Raiffeisenbank?

The bank does not limit its clients in choosing a car. You can take out a loan to purchase:

a new car or used vehicle;
in a car dealership or from an individual;
a car that has had several owners;
a vehicle of any year of manufacture;
cars of any make and model.

Interest rates charged by the bank to the borrower – from 10.99%. A car loan can be issued for a period from one to 5 years. The maximum amount you can count on is 3 million rubles. At the same time, the bank does not oblige the client to buy CASCO insurance:

In addition, you get:

free debit card;
the opportunity to take out a loan of up to 300 thousand rubles, providing only a passport;
financial protection program (connected at the request of the borrower);
the ability to defer the first loan payment for a period of two months;
credit funds without collateral or guarantee.

Moreover, to apply for a car loan, it is absolutely not necessary to look for the nearest Raiffeisenbank branch - you can fill out and send it online on the website. The bank has a special service that will help you choose the optimal loan program.

Loans are provided to persons over 23 years of age who are citizens of Russia and have a residence permit in the region in which the loan is issued. A certificate of stable income and proof of employment for the last 4 months will be required.

On this page, the portal user can get acquainted with car loans that can be obtained from Raiffeisenbank. In the list of offers, the site visitor has access to brief information on each product: maximum term and amount, interest rate, minimum down payment. Inside the card of each program you can see detailed current conditions for obtaining a loan. Including the financial institution’s requirements for a potential borrower: age, work experience, place of permanent registration, as well as a list of documents to be provided. In order to understand whether you have the opportunity to take out a car loan at this rate, you need to carefully read the above parameters. If there is a “Leave a request” button next to the program description, the user can save his time by using this service. When a client submits an application online, the bank communicates a preliminary decision by telephone.

Raiffeisenbank occupies a stable position in the car insurance market. A wide range of opportunities offered by the bank, favorable conditions for car loans, various programs - all this makes 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 will be reviewed in a shorter period of time. After preliminary approval, the applicant can provide the necessary 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 deposited, not only the interest rate is regulated, but also the minimum amount of 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 the quick processing of just 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 is an opportunity to pay off a current loan with a new one.

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 the maximum loan amount you can count on. However, you should understand that the final interest rate on the loan can be found at the bank branch.

Unlike other banks, Raiffeisenbank offers consumer loans, with the help of which you can purchase the car you like for cash, both in the showroom and second-hand. As such, this bank does not offer car loans, but there are many ways to get cash without additional conditions.

On the one hand, there are some disadvantages to this approach: dealers do not offer special discounts and promotions. However, if you look at the issue more carefully, there are many more advantages:

it is not necessary to insure the car under CASCO;
when buying a car for cash, you can always get a good discount at a dealership or from a private seller;
there is an opportunity to buy a car in another city or even country;
The loan amount can include the necessary expenses for insurance, purchase of winter tires, etc.

Let's consider what kind of loans can be obtained from Raiffeisenbank with further investment in the purchase of a car.

Personal loan

Raiffeisenbank, whose car loan can be obtained on affordable terms, offers a low interest rate and a fairly long loan period under a personal program. To complete such an offer, you do not need a deposit or commission. The preliminary application is reviewed and a response is received online within 1 hour.

After preliminary confirmation, all that remains is to collect the necessary package of documents and contact the nearest branch in Nizhny Novgorod, Yekaterinburg, St. Petersburg, Ufa, Samara or any other city in the Russian Federation.

The loan is provided in rubles for a period of one to five years. The minimum amount for lending from Raiffeisenbank is 90,000 rubles, and the maximum is 2 million. The interest rate directly depends on the amount and terms. The minimum annual percentage is 11.99%, the maximum is 13.99%.

Please note that in case of delay, 0.1% of the overdue debt is charged for each day.

Citizens of Russia over twenty-three years of age, but under 67 years of age (at the time of expiration of the agreement) are eligible to receive a loan. A permanent place of work and provision of a stationary work number for the security service are also required. This program does not provide funds for individual entrepreneurs, businessmen and lawyers.

In order to apply for this loan at Raiffeisenbank, you must submit:

passport;
questionnaire;
certificate of income (can be either 2-NDFL or in the form of a bank);
a copy of the completed employment form.

If the loan amount does not exceed 500 thousand rubles, then a work book is not needed. Also, if you indicate in the application form that you have additional income, you will need documents confirming their availability and stability.

For salaried employees and partner companies

Citizens who work in partner enterprises of Raiffeisenbank have a unique opportunity to receive a consumer loan for the purchase of any car on preferential terms.

The main difference for such clients is the fixed interest rate of 11.99%.

The loan is provided in rubles from one to five years. The minimum amount for lending from Raiffeisenbank is 90,000 rubles, and the maximum is 2 million. It is possible to defer the first payment on a loan from Raiffeisenbank for two months.

Taking out a loan is very simple: you can get online advice from a specialist, fill out a preliminary application on the website, and after receiving approval you need to submit a package of documents to the selected office. It is also possible to call a loan specialist to your home or office. This allows you to save time and effort when visiting a Raiffeisenbank branch.

There is also a huge advantage - a preliminary decision is announced within 1 hour.

This program does not provide for any hidden loan fees, but for late payments you will have to pay a fine of 0.1% of the amount for each day.

This program can be used by citizens who meet the general lending requirements of Raiffeisenbank (age from 23 to 67 at the time of loan expiration, citizen of the Russian Federation with a mobile and landline work number), who are also employees of the bank’s partner companies.

Salary clients of partner firms only need to submit an application form and a passport. Those employees who do not receive wages into a Raiffeisenbank account will also have to provide:

a certificate of income (can be either 2-NDFL or in the form of a bank) or a declaration for the last year;
a copy of the completed employment form.

For Premium clients

Premium clients of Raiffeisenbank have the opportunity to receive a consumer loan of up to 2 million rubles for any purpose without fees or collateral. Guaranteed fixed interest rate of 11.99%. The minimum loan amount in this program is too high - 250 thousand rubles.

The requirements are the same as for standard lending: citizens of the Russian Federation from 23 to 67 years old with a job and a mobile phone. Salary premium clients have the opportunity not to submit income certificates to the bank.

A distinctive feature is the quick decision-making, as well as the allocation of a separate manager for the entire duration of the loan.

Advantages of lending from Raiffeisenbank

Let's consider why Raiffeisenbank's offers in Rostov-on-Don, Nizhny Novgorod, Yekaterinburg, St. Petersburg, Ufa, Samara or any other city in the Russian Federation are extremely profitable.

Low interest rate. Raiffeisenbank offers good lending conditions, as well as a quick response to your application. Unlike standard car loans, there is no need to wait several days for a decision.
An undeniable advantage is that keeping track of your payments, fully controlling all accounts, and making loan payments can be done very easily thanks to a convenient and free online bank or using a mobile application. Raiffeisenbank is one of those banks that are constantly improving their online versions and are actively working to minimize the reasons for visiting the bank.
When you apply for any car loan at this bank, you receive a free debit payment card of the MasterCard Standard system, the opportunity to repay the loan early from the very first day of issue, the opportunity to defer your first payment for two months, and also become a participant in the Financial Protection program.

This program allows you to protect clients and their relatives from non-payments under the loan agreement. That is, if you lose your job or become disabled for some reason, the bank will pay an insurance benefit.

In addition, you have the opportunity to repay the loan without visiting a bank branch and without long queues. Raiffeisenbank offers to make monthly payments in one of the ways convenient for you:

A car loan from ZAO Raiffeisenbank is profitable according to all criteria. The standard car loan product includes 67 loan options for purchasing a car. In this line you can find almost everything that will make a loan from Raiffeisen the most desirable and affordable.

The bank offers standard loan options for the purchase of a new or used car, from an official dealer or through a partnership program. You can also through unofficial dealers or through a program that involves buying back the car. The lending institution provides the opportunity to refinance loans.

Raiffeisenbank has partnerships with more than 400 car dealerships, where the borrower can choose any car he likes. The list of cars that can be purchased includes more than fifty brands of domestic and foreign production.

If you were unable to choose the car you wanted immediately after approving your car loan, you can do so in the next 4 months. The terms of the loan from Raiffeisenbank require the mandatory conclusion of a car insurance agreement. But in the first year, the insurance amount can be included in the loan bill. The loan calculator on the Raiffeisen Bank website will help you understand how profitable this offer is. You should also remember that the loan amount must be at least 85% of the price of the car. Pay attention to affiliate programs. Participation in them is especially pleasant for the client due to various discounts from the manufacturer and the minimum interest rate when applying for a loan.

Loan conditions

There are many advantages of a car loan from Raiffeisen Bank. For example, you will not need guarantors. The procedure for approving and processing a loan, provided all the necessary documents are available, takes a matter of hours. And the set of documents for obtaining a loan at this credit institution is minimal.

As for the requirements for the borrower, they are mostly standard. The client must be over 23 years old. The maximum age for men is 60, for women – 55 years. Loyal requirements for length of service at the last place of work. It must be at least 4 months, but if the client has a positive experience of cooperation with Raiffeisen Bank, then 1 month is enough.

Another requirement for the borrower is the absence of a criminal record, as well as documented income, which would allow monthly payments on the loan without delays. By the way, if the borrower submits a certificate in Form 2 of personal income tax, then he can hope for a minimum interest rate on the loan. But if the contract is drawn up without life and health insurance of the borrower, then the interest rate for all Raiffeisen Bank programs increases by 2%. The monetary amount can be calculated using an online calculator.

Partnership programs

All car loans at Raiffeisenbank are divided into 7 main programs, each of which has its own projects. For example, the “More Opportunities” and “Reliable Choice” programs allow the client to become a participant in partnership projects in which the bank works with many car manufacturers. The list of bank partners includes such companies as:

"Chevrolet";
"Cadillac";
"Opel";
"Honda";
"Hyundai";
"Kia";
"Mitsubishi";
Volvo;
Suzuki and many others.

Moreover, you can apply for a car loan under a partner project either by presenting a full set of necessary documents, or by having only two: a passport and any other document identifying the borrower. Moreover, the interest rate remains virtually unchanged.

For example, by registering a Kia with a full package of documents, you can hope for a car loan in the amount of up to 3 million rubles, and the loan term will be up to 5 years. When receiving a loan using 2 documents, the maximum amount will be 1.5 million rubles. But in both cases, the loan rate will be the same - 12%. The loan calculator will allow you to calculate the exact amounts.

Under this program, you can become the owner of a new vehicle, or you can buy a used car. Thus, for a new Mitsubishi car you can get a loan in the amount of up to 1.5 million rubles for a period of 5 years. In this case, the interest rate will be 15-16%. By applying for the same brand, you can get a maximum of 900 thousand rubles, but the interest rate on the loan remains virtually unchanged: 15.5 – 16.5%. By the way, if you take out a loan in foreign currency, the interest rate will be slightly lower: approximately 11%.

"Autoexpress" means "fast"

For those clients who value their time, Raiffeisenbank offers the Autoexpress car loan program. The loan is issued within two hours after submitting the application. In this case, a loan can be obtained using a passport and another identification document of a citizen. The loan is issued for a period of up to 5 years, and its maximum amount is one and a half million rubles. A down payment is required, which must be at least 15% of the cost of the car. Such loans are also provided by other credit institutions, but only at Raiffeisenbank the interest rate is the most acceptable - 15%.

True, the mandatory conditions for applying for such a loan include a CASCO car insurance agreement. Another disadvantage is that Raiffeisenbank does not offer early repayment of the loan under this program. You can apply for an Autoexpress loan for both a new and used car of domestic or foreign production. The interest rate depends on the car model. For example, on Chevrolet, Opel and Cadillac it ranges from 15 to 16.5%. And for Hyundai and Kia – 14%.

Buy-Back: favorable conditions for returning the car to the bank

Many car enthusiasts use the Buy-Back program with pleasure for themselves and for the benefit of the bank. Raiffeisen Bank also offers it. The peculiarity of the program is the following: the loan repayment scheme for the purchase of a new car is drawn up in such a way that by the end of the term some part of the amount remains unpaid.

The borrower can pay off the so-called deferred payment and keep the car, or he can sell the car through a dealer. As a rule, the cost of the car will be more than the amount that needs to be paid to pay off the deferred payment. Therefore, many drivers decide to make the received amount as a down payment for a new car.

Raiffeisenbank offers its clients the opportunity to purchase a foreign or domestic car in this way. In this case, the interest rate on a loan for a term of up to 3 years will be 16%, and for up to 5 years – 17%. The minimum contribution must be at least 15% of the cost of the car. A car loan under the Buy-Back program can be issued in rubles, dollars or euros. Using a loan calculator, you can easily decide which loan in which currency is preferable for you.

If the owner does not want to part with the purchased car, he can count on extending the term of the car loan agreement. Moreover, the lending rate will be the one in effect at the bank at the time of contract extension, and the term depends on the amount remaining to be paid.

State subsidy program

Recently, Raiffeisenbank became a participant in the state program. This attracted even more clients to the credit institution who wanted to get favorable conditions when applying for a loan to buy a car. The essence of the presidential support program is that 2/3 of the rate is reimbursed by the state. This is usually around 5%. Moreover, different car models have different percentages. For example, when applying for a loan from Raiffeisen to purchase a Hyundai and Kia, the rate is 7.5%, and for Mitsubishi - from 6.4 to 9.5%. Conditions under which a car loan is issued under the state subsidy program:

maximum loan amount – 637,500 rubles;
initial payment – at least 15%;
the cost of the car is not more than 700 thousand rubles;
loan term – up to 3 years.

The list of cars participating in the program includes both domestic and foreign brands. To find out what the down payment will be, as well as the monthly payment for a loan to buy a car from Raiffeisenbank, use a loan calculator. You can find it on the bank's website. The information obtained through the calculations will help you make the right decision when choosing a loan program.

An online calculator is an indispensable assistant in finding great deals. In addition, it saves time on going to a Raiffeisen Bank branch to find out what the conditions are for issuing a car loan.