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What car loan is available at Orient Express Bank. Conditions for a car loan at Orient Express Bank Oriental Bank car loan

Vostochny Express Bank has existed in Russia since 1991, initially it worked only in the Far East and Siberia, now it is increasingly conquering the central regions, and branches are present in almost every major city. The bank actively accepts deposits and works with lending programs on the most favorable terms, distinguished by loyalty to customers. A car loan at Vostochny Express Bank means a wide choice and preferential terms for certain categories of borrowers. The Bank also maintains partnerships with many car dealers, and in partner car dealerships you can get a loan at a reduced interest rate.

Terms of lending under the standard program

A car loan at Vostochny Bank allows you to purchase a new and used car, and you can buy a used car from your hands, which is prohibited by many other credit organizations. Also, cars can be purchased at car markets and other trading platforms.

The funds received on credit can be spent on tuning the purchased car and all kinds of additional equipment.

A car loan at Vostochny Express Bank has a number of important advantages:

Firstly, a loan can be issued without a CASCO policy for a car. This is a rare condition, only a few banks in Russia work with such loan programs. Since there is no need to purchase a CASCO policy right away, the borrower gets rid of the need to spend a large amount at once.
Secondly, you can get a loan without a down payment at all. As a result, the client can leave the salon in a newly purchased car without spending any of his own money at all.

Additionally, a significant bonus is provided in the form of paying the borrower's utility bills for a certain period. The bank can provide an amount for this. equal to 1.5% of the total amount of car loans. Such a measure will help borrowers decide on their finances and save money for timely payment of the debt.

An application for a loan can be submitted at any bank office, and it will take no more than 5 minutes to consider it. The borrower does not need to collect certificates of income, the loan is provided according to two documents. The loan term under the standard program is up to 5 years.

Features of benefits or the flip side

The Orient Express car loan is provided at a high interest rate, this is especially important if you are getting a loan from this bank for the first time. For a new client under the standard car loan program, the rate will be 27.5-29% per annum. For transferring funds to the account, the bank charges an additional fee of 4.9% (its minimum amount is 250 rubles).
The maximum available amount is small: according to the standard lending program, it is only 500,000 rubles. In practice, this means that the client will have to purchase an inexpensive car of a budget class or pay the required amount from their own savings, despite the fact that the initial payment is not mandatory. The low amount limit is easy to explain: loans without CASCO and a down payment always carry an increased risk for the bank, so large loans cannot be issued on them.
At Vostochny Express Bank, car loans are provided only to persons with a permanent residence permit and official employment. The work experience in the last position must be at least 3 months. Residents of the metropolitan regions are subject to special requirements: they must have a permanent registration for at least 12 months. All these measures allow the bank to reduce the risk and prevent contracts with unscrupulous clients. The credit organization has the right to check the borrower's credit history and all the information specified in the questionnaire.

Women's car loan

This bank has a special car loan program aimed exclusively at female borrowers. Autolady will be able to get a loan to buy a new or used car, you can choose it in the salon, on the market, purchase it from private individuals through ads, while the age of the used car cannot exceed 10 years.

This car loan "Eastern Express Bank" provides on special conditions:

The loan term can be extended up to 7 years. However, it must be remembered that a long loan term increases the overpayment many times over.
The borrower may not have a driver's license, it is enough to show the rights of a close relative. This is convenient, for example, for young girls who have just started studying at a driving school. By the time the exam is passed, the novice driver will already have his own car.
An initial deposit is not required, but the amount is limited to 500,000 rubles.
Clients under the age of 25 need to prove formal employment and a stable income level sufficient to pay the loan. Vostochny Bank provides other customers with a car loan only with a passport.
The rate for such a car loan program has been reduced to 26.5-27.5% per annum. However, even in this form, a car loan will cost much more than in many other banks.

High rates are explained by the low reliability of loans: the bank does not require collateral, a car loan does not require a guarantee. An “Eastern” car loan can be obtained without a CASCO policy, which means that the loan is unsecured: the car may be broken, and it will be difficult for the bank to get something from the borrower.

With all the features, this is one of the most loyal car loan programs to customers. For some, only such a loan can be affordable, since not everyone can afford to collect a down payment even for a budget car. This is a good solution for a family, since the bank pays for utilities, and a loan taken for a woman can be paid off within 7 years.

Thus, Orient Express Bank provides a unique loan product that can be a profitable solution for the borrower. If you use the services of this organization not for the first time, you will be able to take advantage of favorable interest rates.

Car loans are a hot topic for all citizens of our country, because not everyone can afford to buy a vehicle using their own savings. Besides, why save up for a car for years if you can go to the bank and get a loan for it for a reasonable fee. Among other things, car loans have one significant plus, if the borrower is unable to pay the obligations, he can refuse the car and hand it over to the bank for subsequent sale, and the loan will be covered by the proceeds.

Vostochny Express Bank is quite well known in our country, for the reason that it is loyal to borrowers and has a high percentage of approval of applications. True, the lending conditions here are not the most favorable, however, many potential borrowers consider it as a financial partner. Orient Express Bank also offers a loan program for individuals to purchase a car. Consider the conditions under which you can get a car loan Vostochny Express Bank.

Car loan conditions

It is very important that it is in this bank that you can get a targeted loan for the purchase of a vehicle in just one day; fulfillment by the borrower of its obligations. True, the maximum amount here is only 1 million rubles. Basic lending conditions:

annual percentage of 19%;
loan term from 1 to 5 years;
the maximum loan amount is calculated individually depending on the creditworthiness of the borrower;

Among other conditions, you can get a loan directly on the day of application, the bank promptly considers each application within 30 minutes, but the terms can stretch up to one day, everything largely depends on the ability to assess the borrower's creditworthiness and check his data by the bank's security service.

Please note that car loan borrowers can use internet banking.

Now it’s worth turning to the disadvantages of car loans at Vostochny Express Bank. First of all, it should be taken into account that the bank does not require mandatory CASCO insurance from the borrower, however, the presence of such protection can significantly affect the interest rate. By the way, here it can reach 31% per year, the minimum loan amount is from 100,000 rubles, but as mentioned earlier, the maximum loan amount depends directly on the decision of the bank.

Also, do not forget about the personal insurance service, which the bank actively offers to each borrower. If you refuse this type of protection, of course, the loan rate will be increased. On the other hand, insofar as we are talking about a loan with collateral, it makes sense not to give up protection here, because in the event of the borrower's insolvency, the insurance company repays the loan, and the borrower remains with his vehicle.

Loan processing method

If you pay attention, the terms of a car loan from Orient Express Bank are acceptable. The rates are competitive, and the condition is that the bank is more or less loyal to the client's credit history. However, in order to get a loan here, you need to directly contact the bank, because the online application is not available to the bank client, however, through the official website, you can make an appointment at any bank branch closest to you. After you provide your contact details, a bank employee will contact you and specify the time when it is convenient for you to come to the bank.

At the appointed time, you can come to the bank branch and consult with a loan officer who can calculate for you the annual interest, loan amount and monthly payment. After that, you will be able to fill out the questionnaire and get an answer, positive or negative, as soon as possible. In case of a positive answer, you will need the following documents to apply for a targeted loan:

vehicle passport;
contract of sale;
personal documents of the borrower;
seller's passport;
pledge agreement.

Important! If, after registering the vehicle with the traffic police, to borrowers who did not submit the original title to the bank, the lender raises the annual percentage to the maximum level, that is, up to 31%.

Requirements for the borrower

Citizens of the Russian Federation aged 21 to 76 years old, at the time of the expiration of the loan agreement, can receive a targeted loan from Vostochny Express Bank. As for income, there is only one requirement: that the salary or other payments of the borrower be enough to pay off loan obligations. Minimum work experience of 3 months at the last place of work. By the way, SNILS is required from the borrower to apply.

Among other things, the bank has a number of essential requirements for the subject of collateral. First of all, you can get a car loan here only for a category B vehicle, which is directly owned by the borrower. You can get a car loan for a used car that is not older than 10 years old. This requirement does not apply to cars of domestic production, as well as cars of Russian assembly produced under Chinese, Irish and Indian brands. All of the above vehicles are subject to age restrictions not older than 3 years.

Please note that at the time of applying for a loan, the car should not be collateral for other loan obligations.

Today, buying a car is one of the primary tasks, although many do not have enough money for the full cost of the chosen car. In this case, you should not despair, as you can always get a car loan.

What is an auto loan?

A car loan is a targeted type of loan that can be obtained from most banks in the Russian Federation. According to the conditions, the client receives money for the purchase of a used (used) or new car. True, no one gives money to the hands, since the bank transfers the approved amount directly to the seller.

What are the programs

Banks generally offer three types of car loans:

to buy a new car in a car dealership;
to buy an old or used car in a car dealership;
for the purchase of any car, but always in a car dealership.

But many people want to buy a car from third parties, what to do in such a situation?

In fact, it will be problematic to take a car loan from a bank and buy a car from third parties (there are practically no such programs). Credit institutions, as a rule, work only with car dealerships. And if you need to buy a car from a neighbor, friend or relative, you will need to apply for a non-purpose loan that allows you to spend money at your own discretion, that is, for personal needs. You can also contact the MFI, where the rates are higher, but there are fewer problems with receiving money. You do not need any income statement or an explanation of what you plan to spend money on. Another option is to arrange an installment plan with the seller, it remains only to find such ...

Why not apply for a car loan directly in the salon?

Many car dealerships cooperate directly with MFIs and banks and offer customers to apply for a car loan, as they say, without leaving the cash register. The car buyer provides a passport and documents (more often, only information about the place of work and monthly earnings is enough) and literally in a couple of minutes receives an answer.

But the interest in car dealerships is higher than in programs in banks, so if you don’t want to overpay, you should familiarize yourself with the offers of lenders on your own and choose the most suitable one.

How is a car loan different from a regular one?

So, we found out that it is more profitable to get a loan to buy a car from a bank. There are two options - a regular consumer (non-targeted) or car loan (targeted).

If you plan to buy a car in the salon, of course, you should consider special programs of banks designed specifically for buying a car.

Firstly, many offer special programs: “First Car”, “Family Car”, and residents of remote regions can even spend maternity capital to buy a car when it is necessary to meet the needs of children (for example, the nearest school or hospital is further 70 km and no public transport).
Secondly, car loan rates are more profitable.
True, the bank will oblige to issue CASCO, but this is not bad for the driver himself, especially if he is a beginner.
Also, according to many programs, you need to make an initial contribution.

As for consumer loans, here the money can be spent at your discretion, but the conditions will be standard. No concessions for parents with many children, young couples, etc. True, an initial payment is not needed, so if there is no money, you should pay attention to this option.

Additional terms! You will have to confirm income regardless of the chosen program, since banks work only with reliable clients. The exception is the participants of the salary project, that is, the current clients of the bank. For such, the conditions are more favorable (reduced interest rate), and the application consideration period is shorter, and the approval rate is higher.

How to get a car loan?

To apply for a car loan, you need to follow the following steps:

Choose a car in a car dealership (a car loan for buying cars from third individuals is usually not given!)
Submit an online application to the bank whose offer attracted you.
Wait for a preliminary decision and then provide the lender with the requested documents.
As a rule, you need to bring personal documents and a certificate of income to the bank.
If the application is approved, you need to make an initial deposit and provide the bank with the details of the car dealership where you plan to buy the car.
Wait for the transfer from the bank according to the details of the car dealership and go there to get a car with documents.

Also, the bank will give you a payment schedule, which can be made in different ways. Usually you can pay on a loan:

cash at the bank;
by transfer from a card or account through a personal account (Internet banking);
transfer through partners - money transfer systems ("Zolotaya Korona", "Contact"), etc.

Car loans: advantageous offers of banks

First of all, you should contact the bank through which you receive your salary, as existing customers are usually offered the most favorable conditions. If this option is not suitable, pay attention to the programs of lenders that are most popular and trusted by citizens.

Sberbank

In the most reliable bank, you cannot get a car loan, it is provided through a partner - Cetelem Bank. Basic requirements for borrowers:

client age: from 21 to 75 years;
permanent or temporary registration on the territory of the Russian Federation;

According to the conditions, it is possible to purchase a car from car dealers with whom Setelem Bank cooperates worth up to 3.5 million. Moreover, the car can be both new and supported. More about Sberbank car loan

Tinkoff

Tinkoff Bank offers to issue a car loan at 9.9% per annum (initial rate, which may change) without a down payment. The maximum amount is 2 million rubles, and the term is up to 5 years.

The advantage of this offer is that money is issued in cash, or rather, together with a card that can be cashed out for free (without interest) at an ATM of a bank or partners. A car loan from Tinkoff Bank, according to the conditions, can be spent on purchasing any car, even buying a car from third parties.

Credit Europe Bank

In this bank, you can get a car loan for the purchase of a car, commercial vehicle or special equipment. There are two types of car loans: "Autoexpress" and "Classic". According to the first offer, you can get from 100 thousand rubles. up to 2.5 million at 11.9% - 23.2%. A classic car loan involves obtaining a larger amount of 500 thousand rubles. 6 million, but confirmation of income is mandatory.

Home Credit Bank

You can get up to 1,000,000 rubles for the purchase of a car for up to 5 years. A feature of the offer of Home Credit Bank is that it is possible to buy a car without CASCO. Also, according to the conditions, you can purchase any model of car, and even from individuals.

Raiffeisenbank

Raiffeisenbank offers to issue a car loan without certificates and proof of income. Moreover, it is not even necessary to visit a credit institution, since a specialist can visit the house. The approved amount is issued together with a plastic card of the Mastercard payment system, which can be cashed without interest at ATMs of Raiffeisenbank or partners.

VTB

There are several car loan programs:

new car - rate from 3.55 when applying for a CASCO policy;
a car with mileage from private individuals - from 8%;
with mileage in a car dealership - from 2.5% when applying for CASCO and an initial payment of 20%.

There are also separate programs for the purchase of commercial vehicles and motorcycles.

URALSIB

In URALSIB Bank, citizens of the Russian Federation can apply for a car loan without a CASCO insurance policy. The first installment depends on the chosen program: if this is the first car or a family one, you need to pay only 10% at once. If a car loan is issued on a general basis, then the amount of the first installment is from 20%. The interest rate is from 14.85 per annum, and the minimum age of the client is 23 years.

Summarize

We have considered the most profitable offers of banks for this year. Many offer separate programs depending on the condition of the car - new or used. Also, many banks meet borrowers and do not ask to confirm income. Registration of CASCO for most programs is also voluntary. The main thing is to understand that refusing insurance and applying for a car loan only with a passport and a driver's license will lead to an increase in the interest rate and a decrease in the loan amount.

Banks offer the most favorable conditions only to reliable customers!

Getting a loan at Eastern Express Bank is not difficult. This procedure is not as complicated as in most other financial institutions. Prompt service and a minimum of paperwork allowed the bank to significantly expand its customer base. Large players in the market, whose clients are millions of people, do not provide such favorable lending conditions, but small companies have to fight for their client. People do not trust small banking institutions, because among them cases of bankruptcy are not uncommon. No one wants to be involved in lengthy litigation.

Loan conditions

Vostochny Express Bank makes the following requirements for the borrower:

age 21-65 years old,
permanent source of income
official employment,
more than three months of work experience
Russian citizenship.

An additional condition is the presence of a permanent registration in the region where the bank is located. If there is no registration, then you will not be able to get a loan.

These requirements are among the most loyal among car loan offers from other banks.

How to get a car loan?

If a citizen is a pensioner, then an extract from the pension fund will be required, reflecting contributions for the last year.

A car loan at Orient Express Bank is issued at 11.1% per annum. To date, this is one of the most profitable offers. However, there are restrictions on the maximum loan amount. It is 25-500 thousand rubles. Repayment period - up to 5 years.

Funds can be used to purchase a new or used car. The money can be used to repair or re-equip the vehicle you already own. No report on the purposes for which the funds were spent is required to be submitted to the bank. The client is in full control of the money.

Car loan for women

For women, Orient Express Bank can offer a special product - a car loan "Female". The amount of the loan is from 100 to 500 thousand rubles. There is no initial fee. Maturity - 7 years. Consideration of the loan will take no more than 5 minutes. You do not need to conclude a CASCO insurance contract. The base interest rate is 26.5%.

To obtain a loan, you will need to present your passport and driver's license. It is also allowed, in the absence of a driver's license from the borrower, to provide a copy of the document of relatives. Place of registration borrower doesn't matter.

The conditions are very attractive, but a high interest rate can scare away potential customers.

Credit calculator

This service is available on the website of Orient Express Bank. Using the calculator, you can make approximate calculations in order to have an initial idea of the upcoming loan. More accurate data can be obtained from bank employees in person.

What are the advantages and disadvantages of the car loan programs of Orient Express Bank?

The benefits include:

individual approach;
extremely rare refusals, which are mainly caused by a bad credit history;
high level of service;
no down payment;
lack of mandatory CASCO;
ease of obtaining a loan;
prompt consideration of applications;
special offer for women.

Highly qualified personnel and a well-established workflow help the bank survive in the fierce competition that is going on in the banking services market. The bank in its work focuses on the maximum satisfaction of the client's needs, offering favorable conditions and a wide range of banking products.

The disadvantages include high interest rates on some loans, as well as an underdeveloped network of branches. It is not very convenient to travel to another city to make payments. This can scare away many clients, especially working people who always have a shortage of free time.

For example, you can easily get a car loan at Vostochny Express Bank in Krasnoyarsk, as there are several dozen branches throughout the city. But in other settlements of Siberia there may be no branches at all. This uneven distribution of offices has a negative impact on the work of a financial institution.

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Today, Vostochny Bank is one of the leaders in lending to individuals in Russia. In terms of assets, it is among the top thirty Russian banks. In its region, it occupies the first positions in almost all indicators. A car loan at Vostochny Bank is one of the real opportunities for residents of the Far East and Eastern Siberia to become the owner of a car. With the help of his loan program, it will be possible to purchase a vehicle now. The main thing is to comply with the requirements of the bank.

Where can I get a car loan

Lending to citizens for the purchase of vehicles is one of the most popular programs. The cost of cars is very high, and often people need to raise money for a long period to buy a vehicle.

You can speed up the purchase process by contacting one of the banks. So the client will be able to quickly get a target loan for the purchase of a car they like. Standard car loans are issued in almost every bank. Some financial institutions specialize in financing specific models and brands, while others lend to the purchase of any car.

Given that competition in the car loan market is constantly growing, many banks have begun to develop loan programs with non-standard conditions. They simplify registration, but at the same time increase the level of risk. We are talking about the cancellation of the down payment, the lack of information about the income of the borrower, the possibility of buying a used car. Not all banks issue car loans with these parameters.

What are the conditions for a car loan at Vostochny Bank

Vostochny Express Bank is ready to offer its potential customers only two car loan programs:

"Auto loan".
"Premium Auto"

The first program provides for lending to individuals for the purchase of used and new cars, while the second provides an opportunity to purchase a brand new car from an official car dealer. But only individuals who belong to the category of VIP clients of the bank can use the Premium Auto program.

All car loans are targeted and aimed at the purchase of both new (“Premium Auto”) and used cars (“Car Loan”), which can be purchased not only in salons, but also from other citizens. To ensure the fulfillment of obligations, the bank issues a purchased car as a pledge. The requirements for personal insurance and the CASCO policy are voluntary, so the client may not be insured.

It should be noted that the bank makes decisions on lending very quickly. So, for a standard car loan, a potential client receives an answer within one day. Consideration of the application of a VIP client takes a little longer - a maximum of 2 business days.

Terms of the program "Auto loan"

To the subject of security

As a guarantee of the fulfillment of obligations, the bank accepts a car purchased for credit funds as a pledge. With regard to new vehicles, the financial institution does not have any special requirements. The main thing is that they should not be burdened.

There are specific age limits for used cars. Thus, the age of cars of Russian, Chinese and Indian production at the time of application should not exceed 3 years, and other foreign cars - 10 years.

The bank issues as a pledge only cars that belong to the passenger segment and are owned by the client.

Mandatory documents for obtaining a car loan

A client who wants to become the owner of the car must submit to the bank:

Russian passport;
SNILS;
income documents for the last six months - required under the Premium Auto program, depending on the size of the down payment and the loan amount;
Marriage certificate;
a copy of the spouse's passport;
customer questionnaire (VIP-clients are given to fill out a special questionnaire).

To register a car as collateral, the borrower must bring:

contract of sale;
receipt or payment for payment of the down payment;
registration certificate;
the consent of the spouse (s) to transfer the car as collateral in a simple written form.

If the client has agreed to insurance, it is also necessary to bring a personal insurance contract and a CASCO policy, as well as documents confirming the payment of insurance premiums.

The procedure for applying for a car loan

In the presence of available funds, the borrower can carry out partial or full early repayment of the loan. It should be noted that the amount of partial early repayment cannot exceed the amount of the standard monthly payment, and in order to make full early repayment, the borrower should apply to the bank with an application. It must indicate the date of final repayment of the loan.

Service "Credit holidays"

For borrowers who have encountered temporary difficulties and are unable to timely fulfill their obligations on car loans, Vostochny Bank offers to use the “Credit Holidays” option. This form of restructuring provides for a delay in repayment of the loan body for 1 to 3 months and makes it possible to reduce the burden on the borrower's budget.

Before using the option, you should consider:

that credit holidays can be used no earlier than three months after signing the contract;
the option is available no more than twice during the entire term of the loan with an interval of at least six months;
the loan repayment period is increased by the period of the credit holiday.

Advantages and disadvantages of a car loan in Vostochny Bank

The car loan program of Vostochny Bank attracts customers with the opportunity to purchase both a new and a used car without a down payment. Moreover, the age of supported foreign-made cars can reach 10 years. In addition, borrowers positively evaluate:

no requirement to confirm their income;
quick decision making;
it is not necessary to conclude an insurance contract;
pensioners can also get a loan, the main thing is that their age at the date of repayment does not exceed 76 years;
You can buy a car not only in a car dealership, but also from a private person.

The disadvantages include: