The procedure for obtaining a loan to buy a car from Sberbank is in many ways similar to how a regular loan is issued. The difference lies in the fact that it is necessary to purchase a car only from the agreed contractors, and the purchased vehicle becomes the subject of a pledge.
Instructions
Step 1
Visit the official website of Sberbank of Russia. In the horizontal menu at the top of the page, move the cursor over the inscription "Individuals". A pop-up window will appear in front of you, select the first section "Credits" in it.
Step 2
Click on the "Car Loans" button, it shows a typewriter.
Step 3
Check out Sberbank's car loan program.
Step 4
Do not forget to study the terms of lending, that is, information about interest rates, bank requirements for borrowers, about what documents must be submitted to the bank in order to receive funds on terms of return. All points of the credit program are listed at the bottom of the page, to go to the next section, you need to follow the corresponding link.
Step 5
Take advantage of the ability to calculate monthly loan payments. The calculator is presented on the same page.
Step 6
Fill out the online car loan application. Indicate in it your passport data, address of residence, information about the place of work. Submit your application to the bank.
Step 7
Gather the documents required to prove your financial solvency, they are listed in a separate paragraph on the page dedicated to car loans.
Step 8
Wait for a call from a bank employee. He will notify you of the decision and invite you to the office to conclude a contract.
Step 9
Choose a car. Keep in mind that the bank imposes restrictions on the selection of a seller. It can be either an official dealer, a manufacturer or his official representative, a salon that has a cooperation agreement with Sberbank.
Step 10
Insure your car in case of theft or damage. Select an insurance company accredited by Sberbank of Russia.
Step 11
Sign a loan agreement and a pledge agreement prepared by a bank employee, the subject of which is your future car.
Step 12
Receive cash. Conclude a vehicle sale and purchase agreement and register it.
