Today, a car is not only a means of transportation or luxury, but also a working tool for a huge number of citizens of the Russian Federation. With its help transport goods and provide services. For those who wish to purchase a new car, a car loan is always available at the Agricultural Bank. With the help of borrowed funds, you can buy the car of your dreams, which is simply impossible to accumulate in the conditions of the modern economy.
The Russian Agricultural Bank is an organization whose shares are 100% owned by the Russian government. The number of branches of this bank exceeds 1600, and its representative offices are opened in Kazakhstan, Tajikistan, Belarus, Azerbaijan and Armenia.
A car loan at the Rosselkhozbank allows you to purchase cars of both foreign and domestic production. This type of lending does not allow the bank to control the intended use of the issued funds. In addition, the bank has a number of differences that put it in first place when buying a middle-class car, namely:
- lack of various commissions and fines;
- low interest rate, a car loan at the Agricultural Bank is issued at a modest 13.5% per annum;
- minimum package of documents provided;
- minimum age allowed - 18 years;
- convenient payment of monthly payments;
- CASCO insurance cost is included in the amount of the loan received.
You can calculate a car loan at the Agricultural Bank using a special calculator located on the bank’s official website. You can also find a special form of application form for its receipt. By filling out and sending it to the manager’s mail, you can receive an invitation to the bank within a few hours to further arrange the service. A short interview awaits in the department of the borrower's organization, examines the submitted original papers, evaluates the car being bought, and concludes a loan agreement.
A car loan at the Rosselkhozbank can be obtained for the purchase of both a new and a used car. The maximum amount that can be obtained under this program is 200 thousand rubles. To receive money, you must make a down payment, which is 10% for a new car and 20% for a used one. The maximum term for which you can get a loan is 5 years.
For the purchase of long-awaited transport, the ideal choice is the Agricultural Bank. A car loan, the interest rate on which is always from 13.5% per annum, is an ideal tool for a purchase.
Depending on the circumstances and type of product, the package of documents may vary, but there are always several main papers presented in any case:
- Valid passport of a citizen of the Russian Federation;
- application for cash;
- copy of the work book ;
- permanent registration in close proximity to one of the bank's branches;
- income statement for the last six months.
To obtain milder lending conditions, you can always provide a guarantee and a more significant collateral object. When providing the most complete information about himself, the borrower can count on getting a loan at the minimum interest rate for the longest possible period.