Car loan (secondary market) - or the purchase of vehicles on the secondary market that have not been produced for more than 5 years.
The amount of the initial payment * |
Loan period |
Interest rate (annual) |
|
up to 12 months | 26,9% |
up to 36 months | 29,9% | |
up to 60 months | 30,9% | |
|
|
*For self-employed persons:
In an amount of at least 20% of the price specified in the original sales contract.
Payment of the loan and accrued interest is carried out in the form of an annuity or differentiated payment in the manner and on the terms specified in the loan agreement.
The separate net income of the borrower/co-borrower should not be less than 6 times the size of the BDV.
60% of the Borrower and Co-Borrower's combined average net income must be sufficient to cover the maximum monthly loan payment and the average monthly payment on existing loans/debts.
It is not allowed to issue a car loan for the purchase of vehicles between close relatives (parents, biological and half-brothers, sisters, spouses, children, including adopted children, grandparents, grandchildren, parents of spouses).
The main offer is a purchased Сar on the secondary rialto.
The purchased car is accepted as collateral in the amount of no more than 70% of the amount of the vehicle.
Additional collateral – an insurance policy of an insurance company against the risk of non-repayment of the loan and interest (for the missing part of the loan collateral).
To obtain a Loan, the Bank shall be provided with the following documents:
· Identification document (passport, identity card, residence permit, etc.);
· Car purchase and sale agreement;
· Documents ensuring loan repayment;
· Vehicle appraisal report from an independent appraisal organization.
· Self-Employment Certificat (when providing loans to self-employed persons).
The bank independently receives information about the borrower’s average monthly income electronically through special networks. In this case, income information was calculated for at least the last 6 (six) months. If it is impossible to determine the Borrower's average monthly income, the Borrower may be required to provide documents confirming the average monthly income and other sources of income.
General terms
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