Preferential car loans 2014 - the best banks and their offers

With the advent of the preferential car loan program in mid-2013, it has become much easier to buy your own car. According to this program, the buyer pays from 15 percent of the cost of the car, and the rest is divided into 36 months. It is worth noting that in this way you can buy cars worth up to 750 thousand rubles.

Rating of banks that offer the opportunity to purchase a car under this program.

1. The most favorable conditions are offered by VTB 24 Bank. This institution has partnerships with salons of well-known car manufacturers (Chevrolet, SsangYong, Mitsubishi, Hyundai, GAZ, VAZ. UAZ and others) and offers special lending programs. The credit rate ranges from 9 to 11 percent per annum.

2. Similar conditions are offered by Sberbank of Russia. The interest rate here ranges from 9 to 13,5 percent. At a preferential rate, you can get a loan in the amount of up to 750 thousand rubles, but if you use the special programs of the bank, the loan amount can reach 5 million rubles, and the repayment period is up to 5 years. The minimum initial payment is from 15 percent.

3. Rusfinance Bank. This institution specializes in obtaining loans for a variety of programs. Under the preferential program, interest rates range from 13,5 to 16 percent. The Bank is an official partner of many car dealerships and manufacturers, and choosing this vehicle, you can get significant discounts. Moreover, the processing of the loan takes a maximum of 3 days.

4. Rosbank. This commercial bank specializes in obtaining loans for used cars. Annual interest rates range from 10 to 13 percent in domestic currency.

5. Credit Europe Bank. Works in the consumer lending market for over 15 years. Here you can get a loan for both used cars and new cars. The most favorable conditions are provided for the products of car dealerships of the bank's partners. Rates range from 10,9 to 16 percent.

6. Toyota Bank. As the name implies, this commercial bank is the official representative of the Japanese automaker. The bank offers a large number of special programs, for example, at the moment there is a special offer for hybrid cars, subject to payment of 20 percent of the cost, the loan rate will be 5,9 percent per year. Rates on new and used cars - from 10 percent per year.

7. Bank Uralsib. Offers very favorable conditions for new cars Chery, Hyundai, Lada, Volkswagen, Audi, Skoda, Lifan, Honda. Interest rates, depending on the down payment, range from 9 to 12.5 percent. This bank works exclusively with new cars.

8. AiMoneyBank. This commercial institution specializes in obtaining loans on the secondary market - more than 58 percent of all concluded contracts. You can also get a loan for new cars here. Credit rates range from 13,5 to 16,5 percent per annum.

9. Raiffeisen Bank. The bank offers many special programs for buying cars of certain models: Chevrolet, Opel, domestic cars, Hyundai, General Motors and others. Rates range from 9 percent or more. In addition, the bank offers the Buy-Back program - the opportunity to exchange an old car for a new one, you pay the difference at 11 percent per annum.

10. Setelem Bank. Actively offers lending programs. You can get a loan for a new or used car here at 9-10,5 percent per annum.

This rating takes into account the funds allocated by banks for car loans in 2013.

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