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More than a dozen banks have issued loans to buy cars in the first installment of 10%. True, interest rates and additional commissions on them are such that much more profitable to build up to the standard downpayment and get a car loan in normal circumstances.

Obviously, to become the owner's new car, paying for it in the showroom of your money, always more profitable than buying it on credit. But the desire to buy a car at his own expense, according to statistics coincides with the possibilities, only half of the Russian car owners. And with the advent of the crisis that buy a car without a down payment for a time had forgotten. Now, however, such proposals were again gradually appear, but the banks are ready to give credit for 100% of the machines - units. Just collected a dozen and those who credit the customer with a 10-percent down payment.

However, the reluctance of the majority of the banks to go to a significant reduction in the initial assessments is not surprising. According to bankers, the crisis showed that the amount of such contributions, not only demonstrates the financial stability of customers, but also directly affects their payment discipline. In addition, loans with low down payments are issued on less-than-favorable terms. "Loans with a minimum initial contribution of most of the banks issued under higher interest rates or require additional conditions, so the borrowers prefer to save money for down payment and borrow at more favorable terms," - said the head of the Directorate of OTP Bank's products Dmitry Sapronov.

Therefore, the proportion of such loans in the portfolio of banks is small. For example, in NB "Trust" and Metallurgical Commercial Bank, it is about 10% of the total volume of car loans in Altayenergobanke and the Bank "Soviet" - the order of 20%. Only Banke24.ru reported that approximately every second loan is with a minimum first payment. Not just now, but before the crisis, such programs were more high interest rates. But now the cost of such loans significantly above its pre-crisis sample. So, two years ago, the cost of credit to the first installment within 10% of an average of about 12% per annum in rubles. Now at such rate of borrowers only Transcapitalbank and OTP Bank (in terms of two years and one year respectively).

However, change is not just interest rates and the size of the down payment, but also the approach of some banks to the formation of the value of car loans. Thus, Altayenergobank introduced a floating interest rate for its borrowers. The base rate, which depends on the program at 9 or 12% per annum in rubles is adjusted upwards subject to the applicable rates. For example, the Program Bank 'Partner' base rate of 9% per annum is valid when purchasing a new foreign cars, the cost of which the borrower pays for itself at least 40%, in addition, it should provide two guarantors. This income must be supported by certificate 2NDFL, and the term of the loan does not exceed one year. Any deviation from the given parameters the interest rate will rise. For example, proof of income of the borrower in any form or lack of it will increase the rate at 2 and 4%, respectively, in the absence of the guarantor bank will add another 3%, and if one sponsor - 2% of basic rate.

A similar approach has been to practice and Bank24.ru, where the basic rate of 15% per annum and raising factors are applied. For example, most of all increase the cost of long-term loan if the loan is drawn from 61 months to 7 years, will be added to the basic interest of 6%. The same bank adds, if the borrower refuses to auto insurance. The base rate will remain unchanged in the case of buying on credit for 1 year of a new car and paying for its own account at least 50%. Reduce the basic rate is only one way, and only 1%. If the borrower has successfully executed a loan repaid in any bank, as there is documentary evidence.

In Altayenergobanke save on the amount of payments and the total overpayment can be somewhat different way. Customers who repay the loan on time and in full, the bank is prepared every year to reduce the initial interest rate of 2%. As a result, it can reach the minimum threshold, which is 4% per annum. In practice, the annual reduction rate is as follows. For example, if a borrower buys entirely on borrowed funds Mitsubishi Lancer X to maximize integration, cost 739 000 rubles. Without bail, with registration and proof of comprehensive insurance policy income certificate 2NDFL, the rate on five-year loan will amount to 16,5% per annum. With timely and full implementation of loan covenants in the last year of the loan rate will have 8,5%. As a result, the total overpayment on the program "Partner" will be (subject to annual Commission 7 thousand rubles). 327 thousand rubles. In this first year monthly payments would amount to 18,168 rubles. Each year being reduced to the level of 16,516 rubles. for the fifth year of repayment.

In a similar loan with no down payment at Rosbank, where the rate for five-year period - 17.5% per annum, the total overpayment amount to about 380 thousand rubles. And monthly payment - about 18,5 thousand rubles. In Metallurgical Commercial Bank of overpayment on the same loan amount, according to the terms of the program "AvtoStil, at a rate of 19% per annum of the order 411 thousand rubles. for monthly payments to 19,170 rubles.

Alfa-Bank offers a 10 per cent initial contribution rate of 9% per annum in rubles. True, the bank will take a monthly fee of 0,1-0,25% of the loan amount depending on the region. Under option loan with a one-time commission rates range from 12 to 14,5% per annum. Calculate the minimum cost of credit may be only the most reliable borrowers, such as those who have a long relationship with the bank as part of the salary project.

"TCB as the first payment of at least 10% of the loans of its customers at rates 12-15% pa, depending on the length of the loan. The minimum bid is valid for credit up to two years. True, except for clearance policy Casco car the borrower may need to purchase additional insurance. "Yes, the bank may also require the borrower to insure the life and health, if the borrower's professional activities involve a risk to life and health. This category refers to clients whose professional activity involves the existence of such risks, for example: guard, bodyguard, test, etc. n. ", - said the head of lending vehicles TRANSCAPITALBANK Denis Switzerland. And if the borrower is legally married, the spouse must necessarily address the guarantor of the loan.

Similar conditions for a car loan offers and OTP Bank, where a 10 per cent down payment rate will be the same 12-15% per annum in rubles. But at the minimum rate can be calculated with a loan of up to one year. Also in OTP Bank guarantee is required of a family member, regardless of whether formal marriage borrower. And the loan amount, as opposed to "TCB, where it is unlimited, limited to 800 thousand rubles.

However, the maximum loan amount is largely dependent upon the borrower, rather, on its financial position. In most banks, mortgage payments should not exceed 50% of monthly income of the borrower. But here are possible options. "The amount of loan payments should not exceed half of the income of the client, but to evaluate the borrower's ability to pay, we are always treated individually, we can take into account family income, income from other sources, ie, not only from the main place of work. It all depends on the willingness of the customer disclose additional information ", - said the head of retail lending Bank" Soviet "Michael Zenin. "The more income, the greater the portion which the borrower can afford to give to repay the loan. For example, an income over $ 3000 payment on car loans could be 50% or more of the monthly income of the borrower, but with an income of $ 1000, this part is much smaller. Also necessarily taken into account when calculating the absence of other obligations of the borrower ", - said Dmitry Sapronov of OTP Bank.

Regarding the list of documents required to obtain credit, and requirements for the borrower, they are standard. In addition to the statement of earnings must present a copy of work record, certified by the employer, to have continuous service in the last place of work from six months. Sam the borrower must repay the loan until the retirement age, and the car is necessary to issue hull. However, there are exceptions. For example, in Rosbank for credit within 600 thousand rubles. required to provide only two documents, a passport and, for example, driver's license. The same set of documents is enough to show in NB "Trust", where the maximum loan amount is not tied to the number of documents and is 750 thousand rubles. In the Bank "Soviet" certificate of income required for credit in the amount of 900 thousand rubles. In Banke24.ru borrower may waive the registration policy is comprehensive insurance if you pay at least half the cost of cars at his own expense. The bank will add to the basic rate of 6% per annum. In NB "Trust" in case of failure of the hull interest rate increase by 1%, and monthly commission will increase to 0,6% of the loan amount.