VTB24 today offers four car loan programs, one of which provides for the purchase of commercial vehicles, the rest - for cars. They differ in terms of loan conditions, as well as the requested package of documents.
It is necessary
- - application form for a loan;
- - passport;
- - rights;
- - documents confirming income;
- - documents confirming work experience;
- - documents on education;
- - documents confirming the presence of expensive property.
Instructions
Step 1
The most popular program at VTB24 is the AutoStandard program. It allows you to get a loan for the purchase of a new or used car in the amount of up to 5 million rubles. and for up to 7 years. When paying CASCO out of your pocket, an initial payment of 15% will be required, if this amount is included in the loan, then you must pay from 30%. The interest rate will depend on the terms of the loan, as well as the size of the down payment and starts at 14%. The standard package of documents for the program includes an application form, a passport, a driver's license, a copy of a work book, a certificate of income 2-NDFL (other documents confirming income), as well as, if available, documents on education and on the presence of expensive property. To confirm income, an individual entrepreneur will need a tax declaration for the last two periods with UTII or for a year under other tax regimes.
Step 2
The Commercial Transport Loan Program will also require a complete set of documents, including proof of employment and income. A loan of up to 2.8 million rubles is available on it. with an initial payment of 20%.
Step 3
Under the AutoLight lending program, you can get a loan in the amount of up to 2.8 million rubles. The initial payment is from 20% without including hull insurance and from 40% with hull insurance. The minimum interest rate is slightly higher than for the previous program - from 15%. Its advantage is that only two documents are required from the borrower - this is a passport, as well as any other to choose from - a license, a passport, a military ID, an official ID.
Step 4
The program "AutoExpress" differs from all previous ones in the speed of consideration of the application (from 1 hour), as well as the possibility of registration without hull insurance. But for this, the borrower must have an initial payment of 30-50%. In doing so, he will have to sacrifice a low interest rate. Under this program, it starts at 22% per annum. The loan is issued without confirmation of income and employment, according to two documents - a passport and another at the borrower's choice.
