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Cetelem Bank first received a license to operate in Russia in 2007. Currently, the company has 77 official representative offices in various regions of the Russian Federation. The main specialization of the structure is consumer lending to the population, including the provision of car loans to individuals.

What is a car loan from Cetelem Bank, we will describe in detail below.

Terms

Cetelem provides cars on credit to all individuals who meet the requirements of the organization.

Borrower must have Russian citizenship, be of legal age (permissible age is from 21 to 75), have a stable and sufficient monthly income and be registered in one of the regions where the bank has a representative office.

The target orientation of a car loan is the purchase of a passenger vehicle of Russian or foreign production, economy or business class.

Important! All Sberbank car loan programs were redirected to Cetelem Bank this year, so this is where the greatest variety of available offers is.

This year, Cetelem Bank offers users several loan programs for the purchase of a car:

• Car loan "Partner"
• "Ford Credit"
• "Standard"
• "Business"
• "Reliable"
• "Moto"
• "Universal"
• "Partnership (multi-year CASCO) new"
• "Used car"
• "Auto Online"

Consider the conditions of the most popular of them:

Auto loan "Standard"- issued to individuals for the purchase of personal cars. Its terms:

• the size of the down payment - from 20% of the cost of the car;
• the minimum amount is 100,000 rubles;
• maximum loan amount - 4,000,000 (for new cars);
• repayment period - from 24 to 60 months;
• interest rate - 16.50% per annum.

car loan "Used car" available for new cars not older than 8 years:

• initial payment - from 0% to 90%;
• loan amount - from 100,000 to 2 million rubles;
• payment period - 12, 24, 36, 48, 60 months;
• annual rate - from 12.9% to 19.4%.

car loan "Universal" issued according to an extended list of documents provided by the borrower. Tariff conditions:

• down payment - 20% - 90%;
• loan amount - from 100,000 to 4,000,000 rubles;
• payment period - up to 36 months;
• interest rate - 16.5%.

Another condition is that cars issued on credit must be purchased from a company dealer. But this will not be difficult to do, since Setelem cooperates with many large car dealerships in Russia.

Interest rate

The interest rate on a car loan at Cetelem Bank is fixed. Its size is determined primarily by the condition of the car, if a new vehicle is purchased. So,

• the annual interest on a loan for a foreign car aged 8 years will be about 19% ;
• the rate for a new car will be no more than 16% .

Is it possible to issue with state support?

Many clients are interested in the question, is it possible to get a car loan with state support at Cetelem Bank today? Yes, there is such a possibility. In 2018, the organization offers two programs with government subsidies:

• "First Car"- provided on the condition that previously the borrower did not own a personal car.
• "Family car"- Issued to families with two or more children.

Basic conditions for the programs:

• initial payment - from 20%;
• term of grant - up to 5 years;
• the cost of the car is up to 1,450,000 rubles.

A prerequisite for participation in the "Auto Loan with State Support" program is that the borrower has a driver's license.

Filing an application

A loan for the purchase of a car is carried out according to the following instructions:

1. Choose the car you like in the dealer's showroom.
2. Go to a loan officer and discuss basic questions.
3. Submit your documents.
4. Make an initial deposit.
5. Sign the contract of sale.
6. Sign a loan agreement with the bank.
7. Pick up your vehicle.

A distinctive feature of applying for an auto loan in Setelem is that the whole process takes place with the personal presence of the client, without the possibility of submitting a preliminary online application.

Required documents

To obtain a loan from Cetelem Bank, the user must prepare the following documentation:

1. civil identity card (passport of the Russian Federation);
2. the second document (optional) - driver's license, passport, TIN certificate, etc.;
3. an act confirming income (certificate 2 - personal income tax);
4. insurance certificate SNILS;
5. military ID (for men under 27 years old).

Cetelem bank: early repayment of a car loan

Cetelem Bank always meets the needs of its customers, and if the borrower decides to repay his loan ahead of time, then this is possible. Moreover, the early payment of the entire debt on a car loan is not subject to tax and additional commissions.

How to return insurance on a car loan from Cetelem Bank in case of early repayment of a debt?

In accordance with the law, the policy can be canceled within five days from the date of its issuance. In a situation with early repayment, it will not be possible to return the insurance.

What is the refinancing rate?

Refinancing of a car loan in Cetelem Bank is currently not provided.

Currently, most new cars are purchased on credit. This creates favorable conditions for the emergence of various car loan systems in almost any bank in Russia. However, when the question arises of where to get a car loan, the Cetelem Bank is a fairly common answer and is among the top ten banks in issuing loans for the purchase of cars.

The annual growth in the number of customers shows the degree of people's confidence in Cetelem Bank and the availability of favorable lending conditions. Last year, citylene took the leading position in terms of the number of car loans. The bank offers a variety of programs that will appeal to both wealthy clients and those who have "every ruble in their account." In addition, a loan will be issued here with a minimum package of documents and certificates. For example, avtokredit "Express" can be obtained by presenting only two documents: a Russian passport and a driver's license.

A little about the bank

The bank began its history in 1953, and today it already occupies a leading position in issuing loans to individuals in European countries. It first appeared on the Russian market in 2008 and has established itself as the largest player in the lending market. In 2012, it was merged with Sberbank, whose share in Setel is 74%.

Bank "Cetelem" is transparent in working with clients

It is convenient to have an online calculator on the bank's website, which will allow you to compare existing loan programs without leaving your home.

To do this, you need to know the cost of the car, the initial amount of the installment and the duration of the car loan.

Advantages of a car loan at Setelem Bank:

• simple and clear conditions for car loans;
• gives a car loan to a network according to a simplified scheme;
• fast processing of loan applications;
• individual approach to any borrower: loyal conditions for car loans;
• the availability of various programs designed specifically to meet the needs of any client;
• availability of preferential programs developed jointly with automakers;
• the lowest interest rates;
• the presence of several options for repaying the debt, which anyone can use;
• a clear interface on the official website, designed to quickly apply for a car loan via the Internet;
• a simple loan calculator;
• Possibility to close a car loan ahead of schedule without penalties.

Thanks to the above positive points, auto loans in Cetelem Bank are in demand, which is constantly growing.

Car loan programs offered by "Cetel"

In the arsenal of Cetelem Bank there are more than a dozen programs that make it easy to get a car loan. The simplest and most popular option is a standard car loan at a network bank, with which you can “purchase” a variety of offers specially designed together with car dealerships.

1. A standard car loan has an interest rate of up to 25.75% per annum. The decrease in the rate is affected by the size of the initial payment, the term of the loan and the documents provided to the bank by the client. With documentary confirmation of their income, the bank issues up to 5 million rubles, in the absence of confirmation - the maximum amount is 900,000 rubles.
2. A car loan for used vehicles is possible for up to 60 months. The interest rate may increase to 26.75%. In addition, the down payment must be at least 30% of the car price. With the Express program, an amount of up to 1.5 million rubles is issued. for new cars and up to 450,000 for used cars.
3. For commercial vehicles, you can take a loan up to 26.75% per annum. But for cars made in Russia and China, a loan is issued for up to 24-60 months.

1. Citilen Bank provides preferential car loans jointly with car manufacturers. Its lending conditions allow you to take advantage of reduced annual rates depending on the brand of car.

Car brands that are covered by the preferential loan:

• Ford Credit: loan from 19.7% per annum, down payment at least 25%.
• Chevrolet and Opel Finance, Mitsubishi Finance: loan - 21.25% per annum, payment - 20%.
• Geely Finance, Lifan Finance: loan - 21.75%, payment - 25%.
• GAZ: loan - 14.17%, payment - 25%.
• Suzuki Finance: loan - 21.75%, payment - 20%
• Harley-Davidson: loan - 20.5%, payment - 25%.
• UAZ Finance: loan - 14.17%, payment - 20%.
• Audi Credit, Siat Credit, Honda Finance, Kia Finance: loan - 12.67%, payment - 20%.
• Skoda Credit, Volkswagen Credit, Lada Finance: loan - 13.17% per annum, payment - 20%.

All the credits listed above are issued for a period of up to 5 years and in the amount of up to 3 million rubles. Only a Chevrolet car is credited in the amount of up to 1.5 million rubles.

Necessary package of documents and requirements

If you decide to take a car loan, the bank will allow you to do this with a minimum set of documents:

1. Passport of the Russian Federation.
2. Any second document issued in the same name as the passport: driver's license, insurance, international passport, pension insurance, TIN.
3. For the male population under 27 years of age, a military ID.
4. Any certificate confirming the availability of income: a personal income tax certificate or a free form, a photocopy of the work book, which must be certified by your employer.

To receive a positive response to the application, it is necessary not only to present the minimum package of documents to the bank, but also to reach the age of 21 (but younger than 75) and be permanently registered in the region where the bank branch is located.

A car purchased on credit must be insured by CASCO for the entire period of using the car loan. The client is obliged to send a copy of the CASCO agreement to the bank annually in order to avoid penalty payments.

As you can see, Cetelem Bank provides the most favorable conditions on the car loan market, allowing customers to select exactly those conditions for purchasing a car that best fit into their budget.

Car loan from Cetelem Bank- a favorable offer for individuals and individual entrepreneurs to purchase an economy or business class vehicle. The conditions for granting funds are absolutely transparent. Applications are considered in record time, which avoids an increase in the cost of a car due to the growth of the dollar.

Car loan from Cetelem Bank: conditions for obtaining

The client can take a car loan for the purchase of a passenger car or commercial (up to 3.5 tons) vehicle. The lender provides loans for new and used cars. Table 1 presents the main parameters of car loans.

Table 1.

Interest on a car loan directly depends on the condition of the purchased car and the credit history of the borrower. As part of promotional offers, a reduced rate is set. For example: from 07/23/18, a loan for Lada cars can be issued under 12% per annum.

How to get a car loan

On official website of Cetelem Bank the main requirements for applicants are presented:

• age - from 21 to 75 years on the date of full fulfillment of credit obligations;
• the presence of Russian citizenship;
• the presence of permanent registration in the region of the bank's presence;
• average, good or no credit history.

The list of documents depends on the chosen car loan program. It is significantly smaller than competitors.

List of tariff plans for car loans in Setelem

• "Partnership".
• Ford Credit.
• "Standard".
• "Business".
• "Drive".
• "Reliable".
• Moto.
• "Universal".
• "Partnership (multi-year Casco) new".
• "Used car".
• Auto Online.

1. Program "Classic" . The client must provide:

• the passport;
• second document of your choice;
• a document confirming solvency (certificate 2-NDFL or in the form of a creditor);
• driver's license;
• SNILS;
• military ID.

2. Express program . In this case, confirmation of financial stability and solvency is not required. However, the rate will be higher.

Full early repayment of the loan in Cetelem Bank within 30 days is possible without notifying the lender. After this period, the client must notify the bank of his decision. You can call the hotline or send a letter through your personal Internet banking account.

It is not possible to apply for a car loan online on the official website. This option is available only through your personal account in the My Bank system. Based on the scoring model, a decision will be made on the possibility of cooperation, then the applicant needs to visit the bank.

Cetelem Bank refinances car loans from third-party banks. However, the refinancing period should not exceed 5 years, and the amount should not exceed 7 million rubles.

Cetelem Bank and Sberbank: is there a connection

Despite the fact that Setelem Bank is a subsidiary of Sberbank, it is not possible to apply for a car loan through Sberbank Online. However, on the official website of the largest bank in the country it is indicated that you can use the previously existing car loan programs through Cetelem Bank (information is available on cetelem.ru).

Features of registration of insurance

Car loan insurance under the CASCO agreement for the risks of Theft and Damage is mandatory. The term must be at least 1 year, and the sum insured must cover the entire amount of the debt. In this case, the insurance premium can be paid separately or included in the body of the loan. If you refuse to apply for CASCO, a car loan is not provided.

In accordance with the law, other types of insurance are voluntary, so the lender cannot impose their execution. You can return car loan insurance with financial protection of life and health within 5 business days (cooling period set by the bank). Penalties or recalculation of interest are not allowed.

To return the insurance, you will need to write an application to the insurance company and attach a copy of the contract to it, as well as a copy of 2-3 pages of the passport.

Paying regular payments through Sberbank Online

A commission of 1% of the transfer amount is charged for making a transaction through Sberbank Online. The term for crediting funds is up to 3 working days.

To complete an operation, the user must:

• enter your personal account;
• go to the "Payments" section;
• select the subsection “Loan repayment in a third-party bank”;
• find "Cetelem Bank";
• enter the required payment details (loan agreement number, full name of the borrower, loan account number, contact phone number, transfer amount);
• check details;
• confirm the action with a one-time code.

Good to know!

For the convenience of the transaction, you can use auto payment. The service is provided free of charge. A day before, the client receives an SMS notification about the planned operation, the write-off is carried out on the day of payment. You can set up the service in your Sberbank Online account. As a service in the template, select "Cetelem Bank".

List of bank partners for car loans

Setelem works with major auto giants and official dealers. Therefore, the Bank always offers excellent conditions for its customers.

Cetelem Bank presents a wide range of loan programs for the purchase of a car. Several dozens of programs are offered, with different conditions, for different models of vehicles.

The general conditions for issuance are:

• Amount from 100 thousand rubles;
• Term 12-60 months;
• Interest rate from 12.9%;
• Down payment up to 90%;
• The purchased car is the collateral.

The maximum percentage, 21.9%, is valid under the Partner without CASCO program for the purchase of used KIA and Hyundai cars.

Loans are provided for the purchase of new cars of domestic and foreign production and cars with mileage (except for cars of Chinese brands).

The service life of used foreign vehicles is 7 years, Russian 3 years.

The transaction is executed in partner companies, the money is transferred to the account.

To calculate the amount of monthly payments, you can use a loan calculator. You will need to select a loan program, enter the amount and term. The system will calculate. For example, when choosing a loan under the program “Reliable without CASCO for int. Cars", choosing the cost of a car of 1 million rubles, an initial payment of 200 thousand rubles, a loan term of 3 years, the amount of monthly installments will be 29.7 thousand rubles, under the standard lending program (with proof of income), at an interest rate 20%. If the borrower does not confirm income, the interest rate will be 21%, the amount of monthly installments will be 31.1 thousand rubles.

Requirements for the recipient

Individuals who are citizens of the Russian Federation and have permanent registration in the area where the bank is present can get a car loan.

The age of the borrower can be from 21 to 75 years (at the maturity date of the contract). A loan can be issued by persons registered as an individual entrepreneur.

Required documents

For express loans, you will need a passport and any of the following documents: driver's license, TIN, foreign passport, SNILS.

With classic lending, a document confirming income is added to the list of documents. This may be a reference to f. 2 personal income tax or in free form. In the latter case, an additional copy of the work book will be required.

Entrepreneurs provide:

• The passport;
• Tax return under f. 3-personal income tax;
• Tax declarations depending on the taxation system: according to UTII, according to the USNO, according to the unified agricultural tax.