2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Today, Gazprombank is one of the three largest banking organizations in the Russian Federation providing investment and financial services to private and corporate clients. At the moment, its client base includes more than 3 million individuals and about 45 thousand legal entities. If, when buying a new car, it became necessary to take out a car loan, Gazprombank can provide such a service on very favorable terms. This loan can be issued both in Russian currency and in foreign. Another advantage is the absence of a limit on the maximum possible loan amount, since when calculating it, the organization takes into account the total earnings of all family members.
In order to apply for a car loan, Gazprombank requires a certain package of documents, namely:
- Application form for receiving funds.
- The passport of the borrower with a mandatory residence permit near one of the bank branches.
- Driver's license.
- Certificate of income of all family members for the last 6 months.
In order to issuecar loan, Gazprombank may request additional papers confirming the borrower's education and the availability of property that can be used as a collateral object. In addition, one of the prerequisites for obtaining is the mandatory insurance of the purchased car for its full value in the company indicated by the banking organization.
Gazprombank. Car loan: terms and conditions
The financial institution does not charge any additional fees for opening and maintaining a credit account. The borrower is obliged to pay a one-time fee of 3,100 rubles and repay the loan in equal amounts every calendar month. A special loan calculator from Gazprombank can help you calculate the required amount of payments. Car loans are part of standard loans. Therefore, his calculation will not be any particular problem.
Standard program
This loan is issued for the purchase of a new car for a period of 3.5 to 5 years, depending on the country of the car manufacturer. The interest rate on it will be from 10.5 to 12.5% per annum when applying for a ruble loan. If the loan is taken in dollar terms, the overpayment on it will be from 9 to 10.5% per year.
Program "Long-term car loan"
Issued for up to seven years. In the case of registration of such a program, the client is obliged to purchase a foreign car in the amount of at least $25,000. Interest rates under such a program are 12 and 9% inrubles and currency respectively.
Solid Car Program
Gazprombank makes it possible to get such a car loan without a down payment. The loan is provided for a period of seven years at the interest rates of the long-term program. A significant difference is the possibility of purchasing a completely new car of a brand such as Jeep, Mercedes-Benz, Dodge, Land Rover and others.
If, when choosing a new car, it became necessary to take a loan, then Gazprombank will always be happy to help. Using the services of a bank, you can quickly receive money at reasonable interest.
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