Union Bank car loan - a variety of options to choose the right one. Any buyer of a car on credit, both with mileage and a new car, will find his own conditions.

Application to the bank

Interest

Documentation

Branches

St. Petersburg offices

CASCO

Car from a private owner

Review of loan applications from Bank Soyuz

Bank Soyuz needs one business day to consider your application form for a car loan. In order for the bank to begin processing, in addition to the application form, you must provide at least 2 documents - a passport and a driver’s license.

What and how documents to submit to Bank Soyuz for consideration of a loan application.

The bank's decision guarantees the provision of a loan within 3 months from the date of its acceptance. The search for a car over such a long period of time will certainly be crowned with success. You will receive a loan on the same day as soon as you make the final decision to purchase a specific car.

Choosing a suitable Bank Soyuz lending program

Any potential borrower interested in receiving a loan from Soyuz Bank will be able to independently select the appropriate lending option. All information about credit conditions is absolutely up-to-date and grouped in the most convenient way for studying.

Bank Soyuz offers lending programs for the purchase of new and used cars in 8 options (84% interest rates) in each case. For each option the following is determined:

• Cars eligible for credit by age, intended use, country of manufacturer,
• Credit limit, interest rates depending on the loan term and the size of the down payment
• Requirements for collateral and borrower insurance affecting the amount of interest rates applied
• Dependence of interest rates on the package of supporting documents.

If you don’t have time to thoroughly study the issue, use the service of selecting a suitable car loan from our specialist.

Interest rates on car loans for used cars

Interest rates on car loans for new cars

Documents for consideration of an application for a car loan from Bank Soyuz

Documents for the car loan program "2 documents"

• Passport of a citizen of the Russian Federation (copy of all pages)
• Driver's license (copy) or foreign passport (copy of a double-page spread with photo), military ID.

Documents for the “Classic” car loan program (in addition to the “2 documents” car loan):

Confirmation of work activity

For employees:

• Work book (a copy of all completed pages and the next blank page), certified by the employer with a note about the work at the time of application. Validity - 1 month from the date of certification.

For lawyers:

• Lawyer's certificate
• TIN certificate,
• and one of the documents:

1. Letter from the bar association/law office/legal consultation office (if employed at the bar association/law office/legal consultation office). Validity - 1 month,
2. Certificate from a lawyer's office. Validity - 1 month,
3. Document on the form for organizing the employment of a lawyer. Validity - 1 month.

For military personnel/internal affairs bodies:

• Certificate (extract) of military service in internal affairs bodies and other law enforcement agencies (when the service is not secret). Validity - 1 month,
• Service identification card (when the service is not secret).

For individual entrepreneurs

• Certificate of state registration of an individual entrepreneur.

For notaries:

• License to carry out professional activities,
• Order of appointment to a position (assignment to a notarial district).

Documents confirming income

For employees/military personnel/internal affairs bodies:

• Certificate of income for the last 6 months in form 2-NDFL or in free form (samples: for electronic filling, for handwritten filling). When changing jobs within the last 6 months, a certificate is provided for the actual time worked at the current place. Validity - 1 month,

For lawyers:

• Certificate of income for the last 6 months in form 2-NDFL or in free form. Validity period - 1 month from the date of registration. When changing jobs within the last 6 months, a certificate is provided for the actual time worked at the current place,
• or Tax return 3-NDFL with a tax service mark on acceptance (on sending),
• Additional confirmation: .

For individual entrepreneurs:

• Tax return for the last 2 (Two) reporting periods with a mark of acceptance or dispatch.
• Additionally, it is possible to provide a bank-certified statement of the individual entrepreneur's account for the past year.
• Additional confirmation: .

For notaries:

• Declaration 3-NDFL with a mark of acceptance or sending
• Additional confirmation: .

For pensioners

• Confirmation of pension income from territorial divisions of the Pension Fund of the Russian Federation or the Ministry of Defense of the Russian Federation, the Ministry of Internal Affairs of the Russian Federation
• or an extract certified by the bank about pension receipts in a personal account for the last 3 months
• or a Russian Post receipt for receiving a pension for the last 3 months.

The Bank reserves the right to individually request other documents necessary to make a decision on lending, for example:

• Documents confirming the fact of settlement of relations with conscription authorities (military ID, registration certificate, etc.)
• Documents confirming the fact of ownership of property (real estate, car, lunar rover, yacht, securities, share in the authorized capital, etc.),
• Documents confirming education,
• Documents confirming civil status (certificate of registration/divorce),
• Documents confirming your credit history.

Moscow, Moscow region, St. Petersburg, Leningrad region, Nizhny Novgorod region, Irkutsk region, Volgograd region, Sverdlovsk region, Republic of Udmurtia, Republic of Tatarstan, Kaliningrad region, Krasnodar region (incl. Republic of Adygea), Krasnoyarsk region, Perm region, Rostov region, Samara region, Tyumen region, Tomsk region.

St. Petersburg branch, Additional office "Kronverksky"

St. Petersburg, Kronverkskaya st., 13, letter A. Metro stations “Gorkovskaya”, “Petrogradskaya”

• Monday - Thursday: 9:30 – 17:30
• Friday: 9.30 - 16.30
• Saturday - Sunday: closed

Additional office "Central"

St. Petersburg, Zagorodny Prospekt, 16, letter A. Metro stations “Vladimirskaya”, “Dostoevskaya”

• Saturday: 10.00 – 18.00
• Sunday is a day off

Additional office "Leninsky Prospekt"

St. Petersburg, Leninsky Prospekt, building 117, building 1, lit. Ah, pom. 82-N Leninsky Prospekt metro station

• Monday - Friday: 9.30 – 20.00
• Saturday: 10.00 - 18.00
• Sunday is a day off

Insurance companies accredited by Union Bank, CASCO policies which you can buy at a discount from Auto without complications.

1. OSAO "RESO-Garantiya"
2. OJSC "SOGAZ"
3. OOO "SK "ORANTA"
4. OJSC "AlfaStrakhovanie"
5. OOO "Insurance company "Soglasie"
6. OOO SC "Zurich"
7. OOO "BIN Insurance"

Additional list of insurance companies accredited by Soyuz Bank

• OJSC "Military Insurance Company"
• Renaissance Insurance Group LLC
• OSAO "Ingosstrakh"
• OJSC "Kapital Insurance"
• LLC "Rosgosstrakh"
• OJSC IC "Alliance"
• OJSC "National Insurance Company Tatarstan"
• CJSC "Insurance Group "Uralsib"
• LLC SO "Surgutneftegaz"
• JSC SAC "Energogarant"
• OJSC IC "Progress Garant"
• CJSC "Russian Insurance Traditions"
• LLC "Insurance Company "Ingosstrakh-Life"
• LLC "AlfaStrakhovanie-Life"
• LLC "IC "VTB Insurance"
• CJSC "Moscow Joint-Stock Insurance Company" (CJSC "MAKS")
• CJSC SK Transneft
• OSJSC "Russia"
• SK "Angara"
• OJSC SK Pari
• OJSC "KIT Finance Insurance"
• ZASO "ERGO Rus"
• LLC "Generali PPF. General Insurance"
• JSC "SK Soyuz"

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1. Calculate the interest rate, payment and overpayment

2. Apply for a loan to Bank Soyuz

3. We receive approval of the loan application

4. Selecting a car to buy

5. Get a loan and buy a car

With a Bank Soyuz car loan you can

→ Buy a car from the direct owner of a private owner

→ Get a loan and a car right at the bank office

Send an application
for a bank loan

credit terms

Example of car loan calculation Union bank for a used car manufactured in 2011. worth 800,000 rubles. with a down payment of 240,000 rubles. loan amount 560,000 rub. for a period of 36 months.

Bank and tariff	% bid	Monthly payment	Overpayment data	Application
Bank Soyuz - Standard+++ Confirmation of income CASCO Life insurance Down payment from 10%. The age of the car (according to the title) is not older than 10 years at the end of the loan term. The rate is reduced by 0.5%/year for bona fide borrowers, depositors, salary project participants, and corporate clients. If you cancel life insurance, the rate increases by 0.5%/year. Additional requirements. CASCO insurance required Life insurance required	14.4%	RUB 19,248	RUB 132,944	Design
Bank Soyuz - Standard++ Confirmation of CASCO income Down payment from 10%. The age of the car (according to the title) is not older than 10 years at the end of the loan term. The rate is reduced by 0.5%/year for bona fide borrowers, depositors, salary project participants, and corporate clients. Additional requirements. Proof of income required CASCO insurance required	14.9%	RUB 19,385	RUB 137,866	Design
Bank Union - Simplified- Confirmation of income Life insurance Car loan without CASCO. Down payment from 10%. The age of the car (according to the title) is not older than 10 years at the end of the loan term. The rate is reduced by 0.5%/year for bona fide borrowers, depositors, salary project participants, and corporate clients. If you cancel life insurance, the rate increases by 0.5%/year. Additional requirements. Proof of income required Life insurance required	16.4%	RUB 19,799	RUB 152,753	Design
Bank Union - Simplified - - Confirmation of income Car loan without CASCO with documentary proof of income. Down payment from 10%. The age of the car (according to the title) is not older than 10 years at the end of the loan term. The rate is reduced by 0.5%/year for bona fide borrowers, depositors, salary project participants, and corporate clients. Additional requirements. Proof of income required	16.9%	RUB 19,938	RUB 157,756	Design

For clarity, compare a Union Bank car loan with car loans from other partner banks using a multi-loan calculator.

Car loan programs for the purchase of a used car

A car qualifies as used if it has a state mark. registration in the PTS without taking into account the year of manufacture, mileage or service life.

The service life of the car (when determining the term, an incomplete year is rounded up to a full year) at the time of loan repayment is no more than 10 years.

The car must be:

• produced in the Russian Federation or imported into the territory of the Russian Federation without customs restrictions by a legal entity,
• deregistered with a mark in the PTS,
• with the original PTS without the “duplicate” mark,
• with the number of owners indicated in the PTS no more than 3,
• with the latest registration in the territory of the Bank’s regional presence.

The maximum loan term is 5 years. Loan amount from RUB 200,000. up to 3,000,000 rub. if the loan amount is over 80%, RUB 5,000,000. with a loan of less than 80% of the cost of the car.

Maximum insurance coverage: risks "Theft (Theft)" and "Total constructive loss". With maximum insurance coverage, rates are reduced by 0.5%/year

Car loan for a used car "Standard" with CASCO, with documentary evidence of income and employment

Car loan for a used car "Simplified" without CASCO with documentary proof of income

Car loan for a used car "Standard 2D" with CASCO, without documentary proof of income and employment

Interest rates on loans are determined for time intervals in 6-month increments, i.e. for loan terms of 6, 12, 18, 24, 30, 36, 42, 48, 54, 60 months.

Car loan for a used car "Simplified 2D" without CASCO, without documentary proof of income and employment

Car loan programs for the purchase of a new car

The maximum loan term is 5 years. Loan amount from 200,000 rubles to 3,000,000 rubles. with a loan over 80%, 5,000,000 rubles. with a loan of less than 80% of the cost of the car

Minimum insurance coverage: risks of “Theft (Theft)” and “Damage”. With maximum insurance coverage, rates are reduced by 0.5%/year

When insuring the life and health of the borrower, rates are reduced by 0.5%/year

Car loan for a new car "Standard" with CASCO with documentary evidence of income and employment

Interest rates on loans are determined for time intervals in 6-month increments, i.e. for loan terms of 6, 12, 18, 24, 30, 36, 42, 48, 54, 60 months.

Car loan for a new car “Simplified” without CASCO with documentary evidence of income and employment

Car loan for a new car "Standard 2D" with CASCO without documentary proof of income and employment

Interest rates on loans are determined for time intervals in 6-month increments, i.e. for loan terms of 6, 12, 18, 24, 30, 36, 42, 48, 54, 60 months.

Car loan for a new car "Simplified 2D" without CASCO without documentary proof of income and employment

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Today, getting a car loan is not difficult. Many institutions are ready to begin cooperation with the client. When choosing a suitable company, you should pay attention to the Bank Soyuz car loan.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

However, interaction with a company has a number of features that you need to know about in advance. To do this, you need to familiarize yourself with current information on the topic.

About company

Bank Soyuz was created in 1993. Initially, the organization was called JSCB Alina-Moscow. In 1999, the institution was facing changes. It was renamed Ingosstrakh-Soyuz.

Gradually the company expanded. In 2003, it included:

• "People's"
• "Avtogazbank";
• "Sibregionbank"

Today the company has a wide network of branches. You can use the organization’s services by contacting 1 of more than 30 departments. The company is reliable.

Thus, the international rating agency assigned it the following marks:

• development forecast – stable;
• rating "A" on the national scale;
• rating "B" on the international scale.

Participation in such programs has allowed the company to significantly increase the level of trust among clients.

Requirements for the borrower

The organization places significantly fewer requirements on an applicant for a car loan than other companies. Bank Soyuz is ready to begin cooperation with persons aged 18-65 years.

In addition, the person must permanently reside in the region where the bank operates.

Conditions

It is necessary to begin the analysis of the proposals of any company by studying the basic conditions, which at Bank Soyuz do not differ much from the proposals of other institutions.

By carefully studying the established tariffs, a person will be able to understand how profitable this offer is for him.

Interest rates

The interest rate in the company directly depends on the selected tariff plan. So, if a person takes advantage of the classic offer, he will have to overpay 17.5-19.5% annually.

If the borrower refuses to collect a wide range of documents and decides to take out a loan using 2 papers, the interest rate will increase to 19.5-21.5%.

Bank Soyuz is ready to provide funds not only for the purchase of a car for personal use. The company has an offer that allows you to obtain capital for the purchase of vehicles for commercial use.

Taking advantage of the offer, a person will receive money at 19-19.5% per annum.

Amount and terms

By contacting Bank Soyuz, a person will be able to receive 800,000-3,000,000 rubles for a period of up to 5 years.

Autocredit Bank Union

You can get a car loan from Union Bank using one of several current tariffs. Offers differ in their terms and conditions.

To choose the most profitable one, you need to carefully study each current tariff.

No down payment

When contacting Bank Soyuz, a person must prepare in advance for what he will not be able to get from the company.

All company offers require depositing a certain amount of money to start cooperation.

To get a loan, a person will have to contribute at least 20% of the cost of the car.

According to the state program

The organization takes part in the implementation of a special domestic manufacturer. By contacting the company, a person will be able to receive a loan on preferential terms if he decides to purchase a GAZ car.

By taking advantage of the offer, a person will have the opportunity to buy a vehicle on credit, which is provided at 10.17% per annum.

To start cooperation, you will need to pay an initial fee. Its size starts from 20% of the cost of the car. Funds are provided for 1-5 years.

Without CASCO

Most companies refuse to provide . Such cooperation promises losses to the organization if the property is lost and the borrower is unable to repay the loan.

However, some companies are ready to accommodate potential clients. Bank Soyuz is one of them.

The organization is ready to provide the client with funds to purchase a car without CASCO. The amount of overpayment in this case will start from 19.5% per year. Bank Soyuz will be able to issue clients up to 1,500,000 rubles for the purchase of a car. The money will have to be returned within 7 years.

Programs

Bank Union is distinguished by a wide range of tariff plans that the client can use. The organization allows you to receive funds for both personal and commercial vehicles.

Before contacting a company to obtain a loan, you must carefully analyze the available offers.

Conditions of tariff plans that apply at Bank Soyuz:

The name of the program	Interest rate	Maximum amount	Submission period	An initial fee
Classical	16,5%	3,000,000 rubles	5 years	20%
State	9,17%	800,000 rubles	3 years	20%
2 documents	17,5%	1,000,000 rubles	5 years	20%
Special product "Gas"	10,17%	3,000,000 rubles	5 years	20%
a commercial	18,5%	3,000,000 rubles	5 years	20%

How to get a?

To qualify for cooperation with the company, the client must meet the minimum requirements of the organization.

If it meets the conditions, you can begin collecting documentation and submitting an application. The operation is not difficult. The company does not put forward specific conditions for obtaining a car loan.

List of documents

To start interacting with the company, you will need to collect a list of documentation. It depends on the tariff plan under which a person plans to start cooperation.

The classic documentation set includes:

• passport of a citizen of the Russian Federation;
• 2 identity document;
• income certificate;
• military ID if the company was contacted by a male borrower who has not yet reached the age of 27 years.

In addition to the classic set, the bank may require other documentation to verify the client’s solvency.
The standard list of securities can be significantly narrowed.

The organization is ready to issue money only on 2 documents if a person decides to use the tariff plan of the same name.

However, the severity of the terms of cooperation will increase.

Agreement

The loan agreement is the main document on the basis of which cooperation with the borrower will be carried out. It is signed after the client has received approval of the application. The paper contains all the conditions for interaction with the lender.

Before you sign the contract, you must carefully read its terms.

Insurance

Like most companies, Bank Soyuz obliges the borrower to purchase CASCO insurance. Insurance allows a company to protect itself from possible losses.

However, the institution has tariff plans, using which the client will have the opportunity not to purchase insurance.

Debt repayment methods

You can make payments with the company using the annuity or differential method. If the client cooperates with an organization using 1 system, the payment will be divided into 2 parts. 1 of them will be used to pay off interest, and 2 - to pay off the principal debt.

It’s quite easy to get a car loan from Soyuz Bank. And not only to regular clients, participants of the salary project, but also to other persons. The conditions for registration depend on a large number of different factors. The organization works with both legal entities and individuals. There are special offers from car dealerships.

About company

Soyuz Bank was created back in 1993; it was originally called JSCB Alina-Moscow. In 1999, the institution changed its name again - to Ingosstrakh-Soyuz.

2003 was a turning point - the following financial structures were merged at the same time:

• "Avtogazbank";
• Siregionbank;
• "People's".

The financial structure under consideration is an extensive branch network, including more than three dozen divisions. The Union will become a reliable partner to any client.

• class rating “B” - according to the international scale;
• class rating “ruA-” - national;
• development forecast is stable.

Programs and tariffs

The interest rate on car loans is relatively low.

The conditions directly depend on the specific target program:

State program of preferential car loans

Today, the products sold by the institution with the support of the state have the most favorable conditions. Moreover, they can be combined with each other.

Conditions

Provided under the following conditions:

Video: Sergei Potanin about the bank

Requirements for the borrower

Requirements for the client during registration are minimal.

It must satisfy the following:

Package of documents

The list of required documents includes the following:

• photocopy of passport;
• the second document is an identity document with a photo.

Collateral requirements

The collateral is the car purchased as the client's property.

In case of non-payment of the debt, if there are several delays in a row, the vehicle may be confiscated in favor of the bank. This point is indicated in the contract.

The purchased car has certain requirements that it must satisfy.

The most important are:

• The vehicle must be new;
• the car manufacturer is listed in a special list;
• final price – no more than 1,000,000 rubles;
• total weight – no more than 3.5 tons;
• year of manufacture – current;
• PTS is original, duplicate registration is not allowed.

Insurance

Purchasing a car without CASCO impossible.

There are some important points:

• the policy is purchased from the insurance company from a special list;
• the mortgagee-beneficiary is the lender;
• duration of the policy – ​​at least 1 year;
• the insured amount is not less than the cost of the vehicle.

Classic car loan from Soyuz Bank

The classic program from this institution has many advantages. This applies to conditions and other issues.

Conditions

The offered product has the following characteristics:

Requirements for the borrower

The client must meet the standard requirements:

Package of documents

The package of required documents includes the following:

• copies of all pages of the passport;
• military ID - for persons under 27 years of age;
• second identification document (licence, passport).

Collateral requirements

The collateral is again the purchased car. The title remains in the custody of the lending institution.

However, the vehicle does not have to be new. It is allowed to purchase used equipment under these conditions.

Vehicle requirements

A vehicle can be purchased only if certain important conditions are met:

• car category is “B”, but there are exceptions:
  • flatbed trucks: GAZ, Isuzu and some others;
  • with mileage, produced by AvtoVAZ;
• must be no more than 7 years old.

Insurance

Purchasing a car without a car insurance policy is not allowed.

Some points must be observed:

• The insurance company is included in the special list of this financial institution;
• the mortgagee is the lender;
• duration of action – at least 1 year;
• the amount is not less than the cost of the vehicle.

Two documents

One of the most profitable products for individuals is “Two Documents”. It allows you to purchase a vehicle with minimal time and overpayment.

Conditions

The provision is subject to the following conditions:

Package of documents

To complete the program and subsequently purchase a vehicle, you will need the following documents:

• passport;
• technical equipment passport;
• military ID or equivalent – ​​if the client’s age is less than 27 years.

Collateral requirements

The car itself acts as collateral. If the debt is not paid, it is seized.

Certain requirements must be met:

• age – less than 7 years;
• absence of encumbrances;

Vehicle requirements

The purchased car must meet certain requirements:

• category - “B”, but restrictions are imposed on the brand:
  • used cars from VAZ;
• age must be no more than 7 years;
• PTS must be original.

Insurance

Mandatory purchase of a CASCO insurance policy:

• for at least a year;
• allowed only in certain insurance companies;
• the insurance amount is not less than the cost of the car.

Commercial

The “Commercial” product has a specific purpose. Its use is permitted by legal entities - for the purchase of commercial vehicles (transportation of passengers, cargo, etc.).

Conditions

The terms and conditions for this product are as follows:

Requirements for the borrower

The requirements for the borrower are standard - they do not differ from those for other products:

Package of documents

To conclude a contract, the following documents will be required:

• passport;
• declaration, income certificate or other proof of profit.
• a second identity document;

Collateral requirements

The collateral for a commercial car loan is a car.

The following conditions must be met:

• age since graduation (according to PTS data) – less than 7 years;
• in the “customs restrictions” column, check “payments completed/no restrictions/not set.”

Vehicle requirements

The vehicle itself also has some requirements.

The most important are the following:

• It is possible to purchase only cars of category “B”, with the exception of some brands/models:
  • trucks: GAZ, Isuzu, Hyundai Porter and other vans;
  • VAZ cars (used);
• age – less than 7 years.

Insurance

A prerequisite is the availability of a CASCO insurance policy. Moreover, it must be purchased from certain insurance companies. The list of acceptable ones is indicated on the bank’s official website.

The policy requirements are as follows:

• insurance against all risk groups;
• insurance amount is equal to or more than the cost of the car.

Special program with GAZ

Relatively recently, a special program of state support for domestic manufacturers, GAZ, was launched. Bank Soyuz issues loans for the purchase of this equipment on preferential terms.

Conditions

The product in question is provided under the following conditions:

Requirements for the borrower

To issue this product, the following conditions must be met:

Package of documents

The following package of documents will be required:

• passport;
• certificate 2-NDFL or according to the bank form;
• a second identity document;
• passport of the technical device.

Collateral requirements

The collateral is the vehicle itself. If it is discovered that the debt has not been repaid, it will be seized in favor of the bank in order to pay off the debt. The car itself must meet certain mandatory requirements.

Vehicle requirements

The following requirements apply to the vehicle:

• It is assumed that you will be purchasing a car of category “B”, with the exception of certain models and brands:
  • trucks: GAZ, Isuzu, Hyundai Porter and other vans;
  • VAZ cars (used);
• age – less than 7 years.

Insurance

Purchasing a car under the special GAZ program requires compulsory insurance with a CASCO policy. The duration of the policy is at least one year. It is possible to purchase it from a limited list of insurance companies.

How to apply for and receive a loan

Receiving a loan occurs as follows:

• an application is submitted and a list of documents is attached to it;
• the application is reviewed and approved;
• An agreement is concluded and a payment schedule is attached to it.

Funds can be transferred to the client in any way convenient for him - cash or bank transfer.

Repayment method

Repayment can be made in two ways (at the client’s choice):

Soyuz Bank has many advantages. The most important thing is the abundance of different loan programs and favorable interest rates. Even in times of crisis, the bank keeps them at the lowest possible level. Most of the reviews about the bank are positive. He has long proven himself only on the positive side.

Many commercial banks offer private clients a car loan program, or, in other words, a loan for the purchase of a vehicle. After all, most car enthusiasts apply for a bank loan to buy a car. One of the banks that provides several loan programs is Union Bank; it is here that there are five car loan programs that fully meet the needs of the potential borrower. Accordingly, you need to find out under what conditions the borrower can apply for a car loan from Soyuz Bank.

About the bank

Bank Soyuz is not the largest in our country and it does not operate throughout the entire territory of the Russian Federation. However, it is one of the 100 best banks in Russia and provides a wide range of retail financial services to individuals and corporate clients. If we look at the history of the financial organization, it was organized in 1993 and acquired its name due to the merger of several commercial banks, such as AvtoVAZbank, Sibregionbank, and People's Savings Bank. Currently, the bank is 95.86% owned by the largest Russian company Ingosstrakh.

If we talk about the bank’s reliability, its financial indicators are growing steadily; the bank’s loan portfolio is more than 30 billion rubles, of which less than 10% is overdue. In general, the bank is considered reliable for potential lending partners. In addition, it offers several programs for consumer, mortgage and car loans, the latter will be discussed further.

All car loan programs

It’s worth saying right away that Soyuz Bank offers several car loan programs, including for the purchase of luxury cars, commercial vehicles and other programs. Using loan funds, a potential borrower can purchase a passenger car or large-capacity vehicles. However, we will consider all the lending conditions, as well as the programs in more detail.

Car loan for the purchase of a premium car

As part of this program, the borrower has the opportunity to purchase a new foreign-made car of an increased class of comfort. The loan is intended for the purchase of category B cars, registered with the State Traffic Inspectorate. Among the main lending conditions is a minimum annual interest rate of 10.9% per year, the loan amount is not more than 5 million rubles. Loan term up to 7 years, minimum down payment 15%. The higher the down payment, the better lending conditions the bank is willing to offer. Thus, the maximum annual percentage is 16%, the minimum rate is valid only for participants in the salary project.

Please note that CASCO insurance is a mandatory condition for lending at Soyuz Bank.

Classic car loan

Under this car loan program, you can purchase a new car or a used car of foreign or domestic production. By the way, there are some restrictions here, for example, you cannot buy a Russian-made car with mileage or used cars from Chinese manufacturers. In other cases, you can purchase a car no older than 12 years.

The following conditions can apply under the loan program: minimum annual interest rate of 12% per year, down payment of at least 15%, loan agreement period of up to 7 years, maximum loan amount of up to 7 million rubles. The annual percentage depends on the size of the down payment; the more the buyer is willing to invest, the lower the annual interest rate will apply to him. Among other things, the annual percentage is affected by insurance; if you refuse insurance and personal risks, the annual percentage increases by 2 points. If you refuse CASCO insurance from the Private CASCO company, the annual interest rate increases by 1 point.

Please note that there is a 0.5% discount for salary clients.

Car loan with two documents

Under this program, the borrower is not required to have a document confirming his official earnings. True, the decision to provide certain documents remains with the financial institution, that is, for some borrowers a full package of documents may be required. Within the framework of this program, you can purchase a new or used category B passenger car. Similar to the previous proposal, you cannot purchase used cars made in Russia and China.

The loan conditions are as follows: minimum annual interest - 12.5%, loan amount should not exceed one and a half million rubles, down payment of at least 15%, loan term up to 7 years, interest rate ranges from 12.5% ​​to 20% per year . The lower the down payment amount, the higher the annual interest on the loan; the annual interest rate also increases if the CASCO insurance agreement is refused to be concluded with the Private CASCO insurance company and the borrower refuses to insure personal risks.

Loan for the purchase of commercial vehicles

The loan program allows individuals to purchase a commercial vehicle, namely GAZ, UAZ and other onboard vehicles of foreign and domestic production with a carrying capacity of no more than 8.7 tons of category B and C. A car can be purchased under this program only from an official dealer, respectively , used cars are not eligible for this loan program. The main lending conditions are as follows: maximum loan amount up to three million rubles, annual interest rate from 11.5% per year, down payment of at least 15%, loan term up to 7 years.

Car loan program for the purchase of a GAZ car

This is a specialized banking product; under the car loan program you can only purchase a GAZ car of category B, C with a carrying capacity of no more than 8.7 tons. You can purchase a car from an official dealer, the loan conditions are as follows: minimum down payment of 15%, annual interest rate ranges from 11.5% to 16% per year.

Requirements for borrowers list of documents and method of application

Bank Soyuz has a number of similar requirements for all borrowers, namely:

• age from 21 to 65 years;
• having a permanent source of income;
• employment in the region where the bank operates;
• registration on the territory of Russia in one of the regions where the bank operates.

Therefore, when applying for a loan, the borrower will be required to provide a complete package of documents, including salary certificates and a document confirming employment, usually an employment contract or a copy of the work record book certified by the employer. Among other things, if the bank allows you to apply for a car loan without a certificate confirming your income, then you can provide the following documents: driver’s license, international passport, TIN and others.

Please note that car loans are available only in some regions, namely in the Moscow region, the Krasnodar Territory, the republics of Tatarstan, Mari El and Khakassia, the Rostov region and other constituent entities of the Russian Federation; the current list is posted on the bank’s official website.

Now let's look at how to send an application to the bank for consideration. To do this, you need to go to its official website located at https://www.banksoyuz.ru, select the offer you are interested in and click on the “Online application” button. Here you will need to leave some information about yourself, but it is worth considering that based on the questionnaire, the bank will not be able to give you a final decision on issuing a loan. You will only be invited to the bank for a consultation with a specialist; after you fill out the form, a bank employee will contact you and make an appointment for you at the bank branch closest to you.

The Russian bank Soyuz is characterized as a reliable financial institution that offers car loans on favorable terms.

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Not only regular customers and salary card holders, but also outsiders who have not previously used the services of a lender can apply for a targeted loan.

Brief information about the bank

Soyuz Bank was founded in 1993. Initially it was called JSCB Alina-Moscow, then changed its name to Ingosstrakh-Soyuz. In 2003, three banks joined the financial organization, resulting in the formation of Soyuz.

The bank has several branches in large cities (such as Samara, Kazan, Volgograd) and 8 branches in Moscow. Services are provided to individuals and legal entities; several lending and deposit programs are offered.

Loan programs and conditions at Soyuz Bank

Soyuz Bank offers 6 programs for individuals:

Table continuation:

Each car loan program has its own characteristics:

• State program of preferential car loans. A reduced interest rate on the loan is provided when purchasing a Russian-made car. Low (in relation to other programs) maximum loan amount and loan term.
• Premium Available when purchasing new premium cars.
• Classical. Applies to any cars, including used ones.
• Two documents. A loan with minimal requirements; two documents are enough to complete.
• Commercial. Purchase of heavy vehicles on credit for commercial use.
• GAS. A special program with favorable conditions designed for borrowers purchasing GAZ cars.

What documents need to be provided

Soyuz Bank, regardless of the car loan program, has the following requirements for the availability of documents:

• Russian Federation passport with permanent residence permit;
• a second document (driver’s license, voluntary health insurance policy, military ID, foreign passport) of the borrower’s choice;
• a copy of the work book, certified by the seal and signature of the employer;
• certificate of income for the last 6 months;
• if the borrower is a man under the age of 27, then he must present a military ID or a certificate of exemption from military service.

The borrower himself must meet the following requirements:

• Russian citizenship;
• age: from 22 years at the time of conclusion of the contract and up to 65 years at the time of loan repayment;
• The minimum monthly income after tax must be more than 15,000 rubles;
• male borrowers under the age of 27 must be registered with the military at their place of residence;
• permanent registration in the regions where bank branches are located;
• employment in the region where the bank branch is located;
• continuous experience at the current place of duty - more than 3 months, total - more than 1 year;
• availability of SNILS when applying for a loan in the amount of more than 2,000,000 rubles.

Cars also have special requirements (depending on the program):

1. The program with government support is designed for the purchase of a new car manufactured in 2015 or 2019 and weighing no more than 3.5 tons.
2. To participate in the Premium program, you need to buy a new car of category B (except for budget segment brands) from a dealer.
3. The classic program is designed for lending to new cars of any brand and vehicle with mileage and age at the time of loan repayment of no more than 7 years. Not available for used VAZ, GAZ, UAZ cars and vans.
4. According to the “Two Documents” program, the requirements for the car are the same as in the classic program.
5. “Commercial” - for the purchase of new category C cars weighing no more than 8.5 tons.
6. Under the GAZ program, you can buy a GAZ car weighing no more than 8.7 tons and not previously used.

No down payment

According to the bank's requirements, you can apply for a car loan only after making a down payment of 20%. The lending rules do not provide otherwise.

For a used car

You can purchase a used car from Soyuz Bank using the following programs:

• Classical;
• Two documents.

A car can be purchased from a legal entity or individual entrepreneur. The bank does not cooperate with individuals. It must belong to category B and be in operation for no more than 7 years.

Exceptions include cars of the following brands: Lexus, Mercedes, Infiniti, BMW, AUDI, Volkswagen, Volvo, Land Rover, Jaguar, Honda, Mitsubishi, Renault, Skoda, Toyota. For them the maximum age is 10 years.

The operational period is calculated according to the date specified in the PTS. The car must have an original registration certificate. Credit will not be issued for a duplicate.

The loan is not issued for cars:

• VAZ, UAZ and GAZ brands with mileage;
• side and load lines;
• used cars of the following brands: Brilliance, BYD, Changan, Dongfeng, Emgrand, 'FAW, Foton, GAC, Geely, Haval, Hafei, Haima, Hawtai, JAC, Landwind, Lifan, Zotye, ZX Auto.

Is CASCO insurance required?

You can apply for it at Soyuz Bank using a program with state support, a classic program, or two documents. When concluding the contract, it is indicated that insurance is not provided.

Refusal of CASCO insurance will entail an increase in the interest rate by 1-2 indicators. These changes are announced to the client.

In some cases, the bank may require CASCO registration. For example, if the cost of the car exceeds 1 million rubles, taking into account the down payment. Participation in the state program will also require registration of voluntary insurance.

Where and how to make debt payments

You can choose to repay your debt in one of two ways:

1. Annuity: the total loan amount is divided into equal parts, depending on the number of months.
2. Differential: The payment amount decreases every month.

Payments are accepted at the branch cash desk, ATM, or via Internet banking. You can repay the debt through electronic money systems (for example, Yandex Money) and by transfer from a debit card.

Online calculation

As an example, we use a car that costs 1,000,000 rubles, down payment – ​​30%. The loan term is 24 months. The interest rate is minimal.

The program with state support resulted in the following:

Similar data for the Premium program:

According to the Classic program:

The calculation can be made using other parameters:

Let's calculate based on wages in 50,000 rubles

The calculations made are preliminary. The exact interest rate is announced by a bank employee after entering individual data. After submitting the documents, the final payment is made.

The formation of the interest rate is influenced by the following parameters:

• client's solvency, income level;
• vehicle cost, age, make;
• personal data (marital status, children);
• insurance (refusal increases the interest rate);
• Documented proof of income.

The more documents are provided, the greater the likelihood of a reduction in the interest rate. The bank offers discounts to regular customers and salary card holders.