Car loan Gazprombank interest rates. Car loan at Gazprombank: conditions, interest rate

In 2019, Gazprombank offers borrowers one car loan program, the parameters of which depend on several factors described below. The program is focused on assistance in purchasing a new car of Russian or foreign production. The car can be purchased from one of the bank’s partners or from a third-party seller. The list of partners includes more than 60 companies representing domestic and foreign brands.

Parameters of Gazprombank car loans in Moscow

Gazprombank issues car loans on the following conditions:

amount – from 100 thousand to 4.5 million rubles for foreign cars and 2.4 million rubles for vehicles of Russian brands;
down payment – from 15% when purchasing a car from bank partners (from 20% if the conditions are not met);
interest rate – from 12.75%;
loan term – up to 7 years (up to 3 years in case of purchasing a domestic car).

The minimum interest rate is available if the loan agreement is concluded for a period of up to 1 year; for loans for 5-7 years, the rate increases to 14.75%. There is also an increase in the rate by 0.5% for borrowers who do not receive salaries into a bank account, or when purchasing a car from third-party sellers who are not partners of the financial institution.

A prerequisite for approval of a car loan is CASCO insurance against destruction, loss and damage to the car.

Applying for a car loan at Gazprombank

Residents of Moscow can apply for a car loan from Gazprombank if they meet the following requirements:

Russian citizenship;
registration or permanent residence on the territory of the Russian Federation;
age – from 20 years;
age at the planned date of debt repayment – for men up to 65 years old, for women up to 60 years old;
continuous work experience at the last (current) place of work - from 4 months;
total work experience – from 1 year;
no unfavorable credit history.

In 2019, to apply for a loan you must provide:

application form;
general passport;
SNILS (may be indicated in the application form);
a certificate of income or an extract from any bank confirming receipt of salary.

The application is reviewed within 3 working days.

The loan application procedure includes:

filling out a form online, at the Gazprombank office in Moscow or a partner car dealership;
concluding a car purchase and sale agreement and paying the down payment;
registration of CASCO insurance;
Submitting documentation to the bank office, drawing up and signing a loan agreement.

The bank has two main car loan programs - one is designed for the purchase of new domestic cars, the second - new foreign cars. You can only buy a car at a car dealership.

Loan terms are in the table below.

If you purchase a car from a bank partner company, the amount of the down payment can be reduced to 15%.
The minimum rate is charged for a loan term of 6-12 months. When the loan term increases to 12-36 months, the rate increases relative to the minimum by 0.25%. For loan terms of 36-60 months - by 1%, 60-84 months - by 2%. If a client does not receive a salary on a Gazprombank card, then the rate for him will be 0.5% higher than the specified values. The rate will increase by another 0.5% if you buy a foreign car from a company other than the bank’s partner.
Review of the application takes 1-3 business days if the client has provided a full package of documents, and 3-7 business days if the client is registered in a region other than the one where he is applying for a loan to Gazprombank.
The car serves as collateral for the loan.
Third parties may be involved as guarantors.

Gazprombank is one of the largest credit institutions in Russia. Several million Russian citizens use the bank's services. Individuals can receive a range of financial services from Gazprombank: manage and increase their savings, make payment transactions, take advantage of plastic cards, and apply for consumer and car loans.

Conditions for receiving for individuals

A special car loan program from Gazprombank will allow you to quickly and easily buy a new car.

Both foreign and domestic cars can participate in the program. The intended purpose of the loan product is the purchase of a new car of foreign or domestic production (including from bank partners).

Minimum loan amount – 100,000 rubles, maximum – 2400000 rubles(for the purchase of a domestic car) and 4500000 rubles(for the purchase of a foreign car).

Car loan Gazprombank - interest rates in 2018:

For a new car

A new car of domestic or foreign production can be purchased under one of two car loan programs at Gazprombank: lending secured by the purchased car or a car loan with a government subsidy. In addition, you can get a simple consumer loan for personal needs.

For a used car

The bank does not provide a special program for the purchase of a used car. However, it is still possible to obtain funds to achieve this goal.

To do this, you need to apply for a regular consumer loan. The loan term is up to five years.

Under the consumer lending program, you can receive an amount of up to 3,000,000 rubles at 16.5% per annum (minimum rate). A prerequisite is connection to the CASCO program.

Acceptable loan amounts:

To receive a loan you must submit the following documents:

application form;
passport and copies of its pages;
documents certifying income (bank statements, certificate 2-NDFL);
certified copy work book.

Loan applications are reviewed within ten working days.

No down payment

Both car loan programs from Gazprombank provide for a down payment, which amounts to 15% of the cost of the purchased car.

To buy a car without a down payment, you can take out a regular consumer loan. To do this, you need to collect a complete package of documents and contact the territorial branch of the bank.

Conditions of a car loan at Gazprombank for Gazprom employees

A car loan from Gazprombank offers favorable lending conditions for salary card holders.

Individual employees of companies who receive wages into accounts opened with Gazprombank (in accordance with an agreement between Gazprombank and the organization) can take advantage of special conditions for car loans and consumer loans:

reduced interest rates;
attractive terms for providing loans;
minimum set of required documents;
possibility of obtaining a consumer loan without collateral;
convenient ways to repay debt (automatic debit from the card to which the salary is transferred).

State subsidy

– is the provision of a cash loan for the purchase of a new car on the proposed preferential terms. This program was developed to increase demand for cars produced in the Russian Federation.

The project was introduced in 2009 and continues to this day. In 2012, over five billion rubles were allocated for the implementation of the program.

Many banks work with the state car loan program, including Gazprombank. Special conditions were put forward not only for credit organizations, but also for those who want to buy a new car.

General conditions of the state car loan program:

maximum permissible vehicle weight – 3.5 tons;
no more than a year must have passed from the date of production;
loan term – three years;
car production in the Russian Federation;
the car has not undergone the registration procedure in accordance with Russian legislation (does not apply to used vehicles).

The state car loan program in 2018 consists of the state repaying two to three of the total loan amount.

Thus, when concluding a contract with a rate of 15%, the client will actually pay only 8-9%. This is what influenced the sharp increase in demand for the purchase of domestic cars.

In 2012, for those wishing to buy a car under the government subsidy program, the interest rate was about 11%. This loan product was introduced into all Russian banks (including Gazprombank).

Purchased vehicle acts as collateral. Compulsory insurance CASCO insurance was not available to all credit institutions.

Documents you need to submit:

questionnaire;
statement;
passport and its copy;
, bank statements;
a certified copy of the work book.

The bank may also request:

title documents for property (registration certificate for an apartment, share in the authorized capital, securities, documents for land, etc.);
educational documents;
driver license;
certificate of marriage (divorce);
certificates of favorable credit history in other banks;
military ID;
information letter about the employer, etc.

Conditions for obtaining a car loan:

Interest rates:

Registration procedure

The registration procedure is as follows:

the client’s decision to purchase a car using borrowed funds from the bank;
submitting an application to purchase a car through the bank’s website, at a bank branch or at a car dealer;
consideration of the loan application within three working days (if the application was submitted in another city, the period may be extended to seven working days);
informing the client about the results of consideration of the application;
registration of the required documents (purchase and sale agreement, CASCO insurance, etc.);
making a down payment;
independent provision of documents to the bank or through a representative;
signing a loan agreement;
transfer of money to the car dealership account;
completing the purchase process and receiving the car at the dealership.

It is also necessary to register the car with the traffic police. The original PTM is provided to the bank. A car insurance contract can be issued outside a car dealership.

To prevent a car loan from spoiling the pleasant impression of buying a new car, you need to make all payments on time.

Gazprombank does not support a separate car loan refinancing program, so it is not always ready to accommodate clients who are in arrears.

Video: How to Profitably Get a Car Loan

As you know, the Russian credit market is currently going through difficult times. The protracted economic crisis in the country, sanctions and a general decline in production could not but affect this segment of banking activity. Gazprombank is one of the most powerful financial institutions Russian Federation. Let's consider the conditions under which Gazprombank provides a car loan.

Gazprombank car loan terms

This bank issues loans for the purchase of a car to both private borrowers and legal entities.

The maximum loan period for domestic cars is three years. The minimum base loan rate for a period up to one year inclusive is 15%. The rate increases in proportion to the time of loan repayment and, with a maximum period of 5 or 7 years, can be 17.5%. Moreover, such a condition applies only if you purchase a foreign-made car at partner showrooms. If this condition is not met, the rate will increase by half a percent.

The down payment will be 15% of the cost if the vehicle is purchased from bank partners and 20% in all other cases.

Like other similar institutions, Gazprombank car loan conditions are collateral for the purchased car when receiving a loan.

Maximum size loan for the purchase of a new foreign-made vehicle - 4.5 million rubles. For domestic cars – 2.4 million rubles.

The base rate will increase by half a percent for persons who do not have a salary account with Gazprombank or have had one for less than three months.

More detailed information can be found on the bank's website gazprombank.ru.

The conditions for car loans from Gazprombank can be found on the company’s official website in the section For private clients - Purchasing a new car

Competitive advantages of Gazprombank

The processing time for applications is up to three days maximum.
No commission for granting a loan.
No commission for transferring money to a car dealership.
Possibility of obtaining a loan for someone else.
Possible consideration of total household income.
No fees for current account maintenance.
Possibility of early repayment of the loan.
Any payment methods for the loan taken.
Possibility of receiving a free card.
Same monthly payments.
No minimum early repayment amount.
Pledge of other property of the borrower.
Possibility of attracting guarantors.

Requirements for borrowers

The main requirements for potential clients under the terms of Gazprombank auto loan:

Be at least 20 years old.
Having Russian citizenship.
Have a residence permit in the territory of the constituent entities of the Russian Federation.
Proven experience of at least one year.
At least four months of current experience.
Positive history of loans taken.

List of documents for obtaining a car loan at Gazprombank

To conclude a loan agreement under the terms of Gazprombank auto loan, the following documents will be required:

A completed loan application form.
Copy and original of civil passport.
Form 2-NDFL from the place of work.
Original salary account certificate.

If necessary, the last two documents can be replaced by a certificate in the Gazprombank form.

In addition, in some cases additional documents may be required:

Driver's license.
Certificate of registration or military ID.
Certificate or diploma of completed education.
Work record book in the form of a certified photocopy.
Certificate of marriage or divorce.
Documents confirming the existence of other property.
Certificate of existing credit history.

Details can be obtained by calling the multi-channel phone number 8 800 100-0701.

Algorithm for obtaining a car loan

After making a final decision on a loan under the terms of a Gazprombank car loan, you need to fill out an application. You can do this in three ways:

On the Gazprombank website.
At the nearest Gazprombank branch.
At a Gazprombank partner car showroom.

There are two types of online applications on the website: an express form for contacting a bank employee and a full form for applying for a car loan.

Within 1-3 days, the bank will review the application and communicate its decision. It should be emphasized that the period for consideration of the application may increase to seven days if the place of registration of the potential client is outside the area of operation of the bank branch.

If a positive decision is received, the borrower’s next step will be to draw up paperwork at the car dealership - a contract for the purchase of a car and CASCO insurance, as well as making the first payment. It should be noted that the insurance contract can be issued outside the salon. After submitting the original documents to the bank, you will need to sign a loan agreement.

Based on the agreement, the bank will pay the car dealership the remaining amount, after which it will be possible to pick up the title and car.

It should be remembered that after registering the car with the traffic police, according to the terms of the Gazprombank car loan, the title must be immediately transferred to the bank branch.

Car loan nuances

It is obvious that the activities of this financial institution are aimed primarily at providing similar services to holders of salary accounts in Gazprombank. As a client, you can count on a humane loan interest rate and a loyal attitude.

An extensive network of branches and a large number of ATMs allow you to make loan payments without difficulty and extra fees.

Despite significant positive aspects, such as the substantial size of the possible loan and its repayment period, a loan from this bank also has its negative sides - the mandatory down payment and CASCO registration. According to the terms of obtaining a car loan, CASCO may come with a franchise. This is a definite advantage for potential borrowers.

In general, Gazprombank’s conditions for a car loan differ slightly from the requirements of other similar financial institutions.

Video: Gazprombank - loans for any purpose on favorable terms

At the beginning of 2018, the client portfolio of Gazprombank JSC ( individuals) has more than 5,000,000 people. Of these, 38% either previously used or are currently repaying a consumer loan. According to the results of a survey conducted in March of this year, the lender ranks second among Russian banks in terms of the attractiveness of car loans. On what terms does Gazprombank offer a car loan, and how can you get the minimum interest rate on a loan to buy a car?

The lowest rate under the targeted car purchase loan program is 12.75%. This is for new clients or borrowers who apply for a loan on standard terms. When refinancing - transferring a loan product from another bank to Gazprombank JSC - the interest rate is reduced to 11.9% (minimum).

However, to obtain the lowest cost, the borrower must meet a number of requirements:

receive a salary on a GPB card;
apply for a car loan at partner showrooms or from automakers with whose representative offices the lender has entered into a cooperation agreement;
have no overdue debts.

The lender uses a table of increasing coefficients, according to which the minimum car loan percentage increases by 0.5–1.5 percentage points for those who:

not connected to the bank’s salary project;
refuses to insure life and disability under the group insurance program;
I do not agree to provide a guarantor.

The cost of a car loan is also tied to the duration of the loan. The most favorable terms for a targeted car loan from Gazprombank are available to borrowers who are interested in a loan for 2–5 years. If the loan is needed for less than 2 years or more than 5 years, the rate increases from 12.75 to 14.75%.

As part of seasonal or regular promotions, the percentage varies depending on the conditions of the request. Those who apply for a car loan from Gazprombank online receive the minimum price.

Conditions for individuals

Basic conditions of a car loan for individuals:

loan size – from 100 thousand rubles (minimum amount) to 2.4 million (domestic cars) or 4.5 million (foreign cars);
term – from 6 months to 3 years when purchasing a car Russian production or 7 years for the purchase of an imported vehicle;
car loan base rate – 12,75–14,75%;
late payment penalty – 0.05% for each day of delay;
commissions (transfer of funds to a car dealership, reserving money, processing documents) are absent;
an initial fee – 15–20%;
application processing time – from 1–3 to 5–7 working days;
deposit required (purchased car);
surety bond recommended.

Lending is possible only within the network of partners (car manufacturers, dealers, showrooms, sales companies). As of May 2018, GPB's partner base includes 51 organizations that sell cars of various brands. A number of sellers work both under credit sales programs for new vehicles and used cars.

The lender operates with standard car loan terms (without reference to the car manufacturer or model) and special offers. By using the latter, the borrower can obtain use of cars from the Mazda, Kia, Hyundai, Nissan, Subaru and other popular brands on preferential terms (a joint program with dealers or Russian representative offices).

Insurance

The basic car loan program involves compulsory and voluntary insurance. Casco is a mandatory item (with the exception of special offers and promotions), collective personal insurance is de facto voluntary, but de jure it increases the cost of the loan by at least 0.5–1 percentage points.

Unlike many colleagues, Gazprombank JSC accepts any insurance contracts. That is, it coordinates the issuance of a policy with a third-party insurer, provided that it meets the requirements of the lender. GPB’s own database of insurance partners includes all companies from the top 20 list of the Central Bank. The borrower has the right to choose a comprehensive insurance program that suits him:

with franchise;
limited set of risks;
various payment conditions (the beneficiary is always the bank or the creditor acts in its role only in the event of total loss or theft).

State program

According to the current conditions for lending with government support, you can get a car loan from GPB with a 10% discount on the down payment. There is an attractive government program here:

rate – 10.5%;
amount – up to 960 thousand rubles;
period – up to 3 years.

Loans with state support are offered only for new cars manufactured in 2017–2018. issues collected in Russia (the cost should not exceed 1.45 million rubles). The minimum advance payment is 20% (half is paid by the state). The loan can be obtained for a first car or a family car (family with two children under 18 years of age).

Car loan without down payment

JSC Gazprombank does not offer car loans under standardized programs without a down payment. But there are exceptions to this rule:

promotional conditions (joint offers from the lender and automakers);
consumer non-targeted lending.

Conditions for Gazprom employees

The benefits of a car loan at GPB are available if at least two conditions are met:

the borrower is the holder of the lender's salary card;
the car is purchased within the affiliate network.

There is one more condition that will make a car loan from Gazprombank more attractive - a position in a financial company. GPB offers benefits and a simplified loan program for its own employees and employees of its partners.

The main benefits that a car loan from Gazprombank provides for registered Gazprom employees:

minimum package of documents (only passport and application form);
connected automatic write-off of repayments (from a salary card);
reduced percentage (from 10.9%).

Advantages of Gazprombank

The advantages of car loans at GPB include:

quick approval (usually within 3 days);
favorable interest rates (10.9–14.75%);
no requirements for the spouses of borrowers (consent is not required to receive a loan; not only the husband or wife can act as a guarantor);
the borrower and the pledgor can be different people(loan to buy a car for son, wife);
the borrower has the right to choose the insurer himself (including outside the dealer’s showroom or the lender’s partner network);
optimal loan amounts (up to 2.4–4.5 million rubles);
maximum repayment period (up to 7 years for new foreign cars);
a huge selection of brands and models of cars financed within the network;
loyal conditions for salary card holders and employees of financial institutions;
no commissions when issuing (it’s easy to calculate the overpayment);
free early repayment.

The list of cons is not that long, but they are there.

Mandatory comprehensive insurance and the impact of personal insurance on the rate.
A targeted car loan at Gazprombank involves strict conditions for external clients (without salary cards and other lender products).
Increasing factors when calculating interest.
The borrower can only take out a car loan from Gazprombank, which is issued for a purchase within the partner network.

Requirements for the borrower

Anyone who:

has Russian citizenship;
reached the age of 20 years (upper limit – 65 years);
officially worked for at least 12 months, of which at least 4 in one (last, current) place;
has zero or positive credit history;
has no outstanding debt obligations under collateral programs;
receives a constant income sufficient to service the stated loan amount.

The bank approves loans for both one borrower and several co-borrowers (if the official salary is not enough). In the latter case, the same requirements are imposed on the co-borrower (and the guarantor).

Documentation

For holders of Gazprombank salary cards and internal borrowers (employees), a simplified scheme for obtaining a car loan is available. They need two documents - a passport and military ID, driver's license or TIN (your choice).

For others required package documents includes:

passport + identification code;
military ID (persons under 27 years of age);
SNILS (its number is simply indicated in the application form);
confirmation of solvency (according to a bank form or a standard 2-NDFL income certificate) for the last 4–6 months.

Additionally, the bank may request a copy of the work book or employment contract, diploma, marriage certificate (or divorce), foreign passport, account statements in other financial institutions. For a large loan amount, it is advisable to provide a certificate of ownership of land, another car, expensive equipment, house, cottage, apartment or other valuable property.

Registration procedure

The algorithm of actions when applying for a car loan for the purchase of a foreign or domestic car at Gazprombank includes 5 steps:

car selection (brand, version, seller from the partner network);
submitting an online application and agreeing on conditions;
making a purchase in the salon (if approved) and making an advance payment;
transfer of documents to the bank (transfer of funds is usually carried out same day, but may take several days);
signing loan documents, issuing comprehensive insurance (personal insurance) and transferring title to the lender (until full repayment of the debt).

Upon transfer of funds from the financial company to the dealership (dealer, partner), the borrower takes the car. He can apply for comprehensive insurance and transfer the title to the lender within a few days after registering the car.

How to get a car loan from GPB if you have debt obligations

Along with standard target programs, Gazprombank has an on-lending offer. That is, a borrower with existing credit obligations can receive a loan to repay them and purchase (in excess of the amount of the debt) a car. Refinancing conditions:

maximum amount – 3.5 million rubles;
term – 5–7 years;
collateral is optional, but increases the chances of approval;
down payment – no;
no commissions;
rate – 11.9–14.75%.

To get a loan to close current loans from other banks, you need exceptional payment discipline and a minimum of 6 payments made (for existing obligations).