VTB 24 car loan - reviews of borrowers

Buying a car on credit is the only way for most Russians to finally change from trams and fixed-route taxis to driving their own vehicle. This is not surprising, because even in the rich countries of Europe and North America, according to statistics, a huge percentage of cars are purchased either on credit, or in installments, or taken on lease.

When considering options for purchasing a car, we try to get as much information as possible about various loan programs and banking services.

Bank "VTB 24" is one of the largest in Russia and many people decide to get a car loan in this financial institution.

VTB 24 offers quite attractive car loan programs:

• AvtoStandard - the maximum amount is up to 5 million rubles, the interest rate is from 14% per annum, the minimum contribution is from 15%, mandatory confirmation of income and registration of CASCO, loan term up to seven years;
• AvtoLight - up to 2,8 million for up to seven years, an initial payment of 20%, a rate of 16,5%, CASCO is required, confirmation of income is optional;
• AutoExpress - an interest rate of 18% per annum and an advance payment of 20%, if you issue without CASCO, then the rate will be 22-25% per annum, and the advance payment - from 30% of the cost.

Moreover, these programs allow not only the purchase of new cars in the cabin, but also used ones.

If you carefully read the conditions, you will see that they are quite tolerant compared to other banks.

In addition, various concessions are provided for bank customers and exemplary payers, no service fees are charged, except for those specified in the contract.

There is the possibility of early repayment of the loan, and you can do it at least the next day (if you win the lottery or receive an inheritance from a distant relative from America).

Reviews of real people about car loans from VTB 24

It is clear that on its official page the bank describes everything in the best possible light, however, a critical potential borrower will resort to another method of obtaining information - car loan reviews from VTB 24.

The decision, in principle, is absolutely correct. Reviews have long been one of the favorite methods of expressing one's attitude to a particular phenomenon. But, it should be noted that reviews, as a rule, are written by people indignant or offended by something. Agree, when everything is fine with you - no one sets you up, does not insult, does not deceive - you will not write an indignant review.

The same can be said about the bank: if a person carefully reads the terms of the car loan agreement, and most importantly, fulfills them, then he has nothing to complain about. Except for poor service and long queues, but this is the trouble of any bank in almost any country in the world.

(Reviews sent to us by borrowers, the list will be updated)

Here is an example of a response from a person who inattentively read the terms of the loan agreement:

Marina, Moscow, 25.08.14/XNUMX/XNUMX:

“I applied for a car loan, but after a while I discovered that the loan amount had increased by as much as 75 thousand rubles. When I came to the branch, they told me that this happened for the first time, but after the trial it turned out that the cost of CASCO insurance was added to the loan amount. Now I don’t know where I can get a policy for which I am already paying…”

The situation is a bit incomprehensible: either Marina did not understand that CASCO insurance is mandatory, or she confused CASCO and OSAGO. The bank employee suggested that she contact the office for clarification. Conclusion - carefully read the conditions, for some customers not only CASCO, but VMI or DSAGO are mandatory.

In addition, a loan car can be insured only in the IC partners of the salon.

Another review from the same opera:

Nikolai Sobakinskikh, Novosibirsk, 3.10.14/XNUMX/XNUMX:

“I took out a car loan, under the VHI program it was necessarily included in the loan amount. The bank told me that if I repay it ahead of schedule within 21 days, then I can refuse VMI and the cost of VMI will be returned to me minus 18%. The loan was repaid ahead of schedule (in 6 days !!!), but they refused to return the cost of VHI (insurance premium) to me.”

The loan officer replied that when signing the contract, Nikolai should have read the terms more carefully: the bank transferred the money for the VMI policy for 5 years to the insurance company, so you need to contact the insurance company and require them to terminate the insurance contract, and not from the bank. The bank, in this case, insured against possible risks, since the loan agreement was concluded for 5 years.

You can also cite a few such reviews, from which it is clear that people do not always carefully read the terms of the contract.

The large number of negative reviews regarding the unorganized work of VTB 24 is striking.

For example Oksana, the city is not specified, writes, that she has closed a car loan for a long time, but they still call her and demand to close the remaining debt. She goes to the department for problem loans, where she is told that she still needs to close some amount, but in the Call Center the operators confirm that the loan is indeed closed.

Along with this negative, there are many positive reviews.

For example, a girl named Caprice4You пишетthat she received a loan for 400 thousand without any problems, even though she was only 21 years old. She says that she paid it without delay, the interest, however, is high - 23 per year, but at that time she could not find anything better.

Unfortunately, there are much fewer positive reviews, but this does not mean that the bank is bad, but that people are used to sharing their problems, and when everything is fine, there is nothing to write about.

Loading…