Binbank is one of the leaders in lending to individuals and small and medium-sized businesses.
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The credit institution, founded in 1993, currently has representative offices in almost all major cities of Russia.
Read on to find out what loan products borrowers can use and under what conditions they can receive funds to buy a car.
Binbank does not offer special car loan programs for individuals.
However, citizens of the Russian Federation can receive funds to purchase a car by using one of the following loan products:
Conditions for providing a car loan under the “Credit Sensation” program:
| Loan currency | Russian ruble |
| Minimum amount, rub. | 100 000 |
| Maximum amount, rub. | — for clients working in budgetary organizations or receiving wages on a bank card – 1,000,000; — for clients who contacted the bank for the first time and do not belong to any of the listed categories – 500,000 |
| Loan terms | 24 – 84 months. The loan period is 12 months |
| Absent | |
| Bank interest rate | — the first two months of using borrowed funds – 13.3% per annum; — then the rate gradually increases to 24.5% per annum |
| Security | Not required. The loan is issued without collateral or guarantors. |
| Insurance | Not required |
| Issue methods | — cash; — transfer to an account opened with a bank (including a bank card account) |
| Carried out without charging a commission | |
| Additional fees | Not provided |
The main advantages of the Credit Sensation program are::
If the maximum amount under the “Credit Sensation” program to purchase a vehicle is not enough, then you can use the “Collateral Loan” program:
Legal entities and individual entrepreneurs can also take advantage of the specialized program “Target. Auto":
In order to take advantage of the Credit Sensation program, an individual must meet the following requirements:
To participate in the “Collateral Loan” program, the following requirements are put forward to individuals:
For a legal entity, including an individual entrepreneur, the following requirements are put forward:
from an individual:
When registering a property as collateral, the following are additionally provided:
Legal entities and individual entrepreneurs are required to provide:
This list is a minimum. At the request of the B&N Bank employee reviewing the loan application, the borrower is required to provide other documents.
Applying for a loan under the “Credit Sensation” program is carried out as follows:
When using the “Pledged Loan” program, the above scheme is supplemented by the execution of a collateral agreement, which occurs in parallel with the signing of the loan agreement.
The bank has up to 5 working days to consider the application for this loan program.
Applying for a special car loan under the “Targeted” program. Auto" is produced according to the standard scheme:
Each program on the bank’s website comes with a loan calculator, which can be used to calculate the monthly payment amount.
For example, when calculating loan parameters under the “Credit Sensation” program, you must enter the following in the form provided:
The monthly payment amount will be determined automatically.
On the B&N Bank website you can also apply for a loan online, which significantly reduces the time spent searching for a credit institution and determining individual conditions.
The online application specifies:
To confirm the submission of the application, an SMS message with a verification code will be sent to the mobile phone number specified in the application form, which must be indicated in the following form.
After sending the application, a bank employee will contact the potential client and inform him about the decision made and the procedure for further actions.
You can repay a loan received from B&N Bank:
If you use branches, ATMs or an online system belonging to B&N Bank for payment, then no commission is charged for transferring funds to the borrower’s account.
When using third-party resources for payment, the commission for transferring money is determined based on the tariffs of the service organization.
The terms of the loan agreement provide for the possibility of full and partial early repayment:
The car loan program is in great demand in 2020. After all, traveling without a car has become almost impossible.
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.
It's fast and FOR FREE!
But not everyone can afford such an acquisition. That is why there is a car loan on the lending market, which allows you to realize your dream without waiting for savings.
Binbank is a Russian commercial financial institution whose main office is located in Moscow.
The organization was founded in 1993, but has been actively lending to the population for only 5 years. The company ranks 15th in the ranking of the best banks in Russia.
The presented financial company annually introduces new loan programs into its product line. At the moment it is ready to provide two programs.
Offered to every potential borrower who has Russian citizenship. Does not come with collateral. The loan application is reviewed within 4 working days.
Issued against purchased or existing:
Issued only to citizens in the following status:
The loan application is reviewed within 5 working days.
As additional collateral for loan obligations, a potential borrower can provide:
Binbank allows each client, whether an individual or a legal entity, to purchase the desired vehicle profitably and quickly.
Binbank took first place in terms of profitability of car loans.
You can purchase a car if you provide collateral for your loan obligations.
This function is also possible for existing clients who have a positive credit history with the presented bank.
The loan is issued to each borrower. The vehicle can be of either Russian or foreign origin. You can get a loan at any dealership.
Binbank has the right to issue this type of lending and confirmation of employment.
Binbank actively lends to citizens, providing a banking product for the purchase of a used car.
The vehicle can be purchased from an individual or a legal entity.
There are no special requirements for the car. It can be of any year of manufacture. You can also do this without providing proof of income.
A car loan from the presented bank is a non-targeted program that allows you to purchase a new and used car.
allows in several ways:
Car loan at B&N Bank - procedure for applying for a loan at the branch:
At the dealership:
To apply for loan commitments you will need to provide:
It is possible to conclude an agreement at a branch, as well as at a dealership after approval of the credit limit.
The loan agreement is accompanied by individual lending conditions for a specific borrower.
It says:
Provisions are a mandatory action. The law forces potential borrowers to pay for collateral insurance against loss and damage.
But the potential borrower’s health need not be documented.
This is not a mandatory action, but it allows you to reduce the interest rate on a cash loan.
There are several ways to repay a loan:
Binbank is one of the leading financial institutions for lending to individuals and legal entities in the Russian Federation. LLC, founded in 1993, now has representative offices in almost every major city in Russia. Car loans are the most popular among clients. We will tell you below how to apply for a loan to buy a car at B&N Bank, as well as what the conditions and interest rates are in 2018.
Binbank car loans are provided on favorable terms that allow borrowers to purchase a new or used car of domestic or foreign production. The main advantages of modern car loan programs from B&N Bank are:
Current car loan programs at B&N Bank:
Binbank puts forward the most loyal requirements for borrowers. The application approval rate is 98%.
In order to purchase a car under current car loan programs, the client’s monthly income must be at least 25 thousand rubles. Also, the borrower must not have debts to other creditors.
Requirements for borrowers from B&N Bank:
You can get a car loan at B&N Bank:
To receive loan funds, you will need a standard package of documents - an identity card and a driver’s license of the borrower. In addition, a Binbank employee may request additional papers if the value of the funds exceeds 1.5 million rubles.
Additional documents:
Legal entities, as well as individual entrepreneurs, must provide B&N Bank with:
According to the current legislation of the Russian Federation, the loan must be repaid monthly in equal (annuity) payments, unless otherwise provided by the agreement. You can pay the monthly installment on a B&N Bank car loan.
Among the targeted credit programs that involve the issuance of borrowed funds for the purchase of certain goods and services, a car loan should be noted. A detailed description of a car loan at Binbank, the terms of the agreement and the requirements for borrowers and collateral. Calculator for calculating the percentage of overpayments and registration methods.
A car loan is a targeted loan issued by a bank for the borrower to purchase a vehicle. A special feature of such a loan is the need to confirm the intended use of funds while simultaneously using the car as collateral throughout the entire payment period.
Thanks to these nuances, the bank can afford to reduce the interest rate, so this lending program is generally considered more profitable and reliable than a standard non-targeted loan.
Binbank offers its clients two types of car loans:
Unfortunately, this program is temporarily not available in 2018. Those wishing to purchase a car can use a standard consumer loan or a non-targeted collateral loan, the collateral for which must be real estate (apartment or house).
The advantages of a car loan include:
Borrowers consider some features of the program as disadvantages:
If certain circumstances occur (change of numbers, loss of STS), the bank issues a PTS to the owner for a period of up to 7 days. If the document is not returned within the prescribed period, the bank punishes the borrower with a fine.
Video: Pros and cons of all car loans.
The loan parameters depend on the selected subprogram, as well as on some other factors, including the category of the borrower, the ability to confirm income, the availability of an insurance contract, etc.
Basic conditions:
If a client plans to purchase a used car, he should pay attention exclusively to foreign cars with a mileage of no more than 100 thousand km and no more than 5 years old. The purchase of a used car is carried out with the participation of a car dealer.
To apply for a car loan, a B&N Bank client must meet certain requirements:
To get a loan, it is not necessary to have a certificate of income, but to reduce the interest rate or obtain a car loan for a large amount, you cannot do without proof of solvency.
To submit a preliminary online application through the website or at a bank branch, it is enough to have a passport and a second document of your choice (SNILS, INN, international passport, military ID).
A car loan calculator will help you calculate an acceptable payment amount. To calculate a B&N Bank car loan, you can use a calculator. This is a special online application that allows you to determine the size of the monthly contribution and the total amount of overpayment, taking into account the following parameters:
Before submitting an application, you should use a calculator to calculate a comfortable monthly contribution and determine your financial capabilities.
All calculations are considered preliminary. You can find out the final cost of the loan only at a bank branch if you have a complete package of documents from the borrower.
Binbank is a modern financial institution offering the population a wide range of credit services. The process of applying for a car loan at B&N Bank requires a little more time than receiving a standard cash loan.
Registration steps:
After concluding a loan agreement with the borrower, the bank transfers the borrowed funds to the car dealership. The loan amount exactly matches the cost of the car minus the down payment.
Some of them relate to so-called consumer loans, the spending of funds for which is not intended. There are also targeted car loan programs: for the purchase of a new and used car.
However, this bank provides consumer loans in amounts that are likely to be enough to purchase both, and.
For such a purpose as a loan, two programs are suitable at B&N Bank:
In addition, there are two more separate programs for clients using salary cards and employees of companies accredited by the bank.
As part of the “New Heights” program, a potential borrower can receive funds:
The rate can vary from 17% to 31% per annum. Russian citizens over 22 and under 60 years of age who are not individual entrepreneurs can receive a loan under this program.
To consider the application form you will need to provide:
In addition, to reduce the rate, you can provide an international passport and driver's license.
No guarantee or collateral is required.
The “Million Deal” program allows you to receive from 500 thousand and 1 ruble to 1 million rubles for the same period as in New Heights.
There is no need to provide collateral, nor do you need to attract guarantors.
Interest on the loan is charged at a rate ranging from 17% to 26% per annum. Russian citizens aged 22 to 60 years old, but not individual entrepreneurs, can become borrowers under this program. Identification documents are required, as well as documents confirming employment and income level.
The additional provision of a foreign passport or driver's license helps reduce the rate.
Holders of B&N Bank salary cards can take advantage of a separate lending program, which will be more profitable for buying a car on credit:
To apply for such a loan, you only need a passport if the loan amount is less than 500 thousand rubles.
Otherwise, you will need to provide a copy of the employment agreement (contract) or work record book.
The rate is set at 14% per annum.
For a repayment period of 6 months the rate will be 15%,
No collateral or guarantors are required, and no loan fees are charged.
If the borrower joins a group insurance program, the rate is reduced by 1 percentage point.
This program is designed for clients who receive salaries on a card - Russian citizens aged 21 to 60 years, who have worked in their last place for at least 4 months.
A similar loan program can be used by employees of enterprises accredited by the bank. They can also count:
but interest rates are set in the following amounts:
An employee of an accredited company - a citizen of Russia aged 21 to 60, who has worked for the company for at least 4 months, can become a borrower under this program. For a loan amount of up to 500 thousand rubles, the potential borrower will only need a passport.
If you need a larger loan, then you will also have to provide documents confirming your income and employment.
Separately, it should be said that if you choose a consumer loan from B&N Bank and buy a car with this money, it falls entirely on the shoulders of the car enthusiast. That is, the bank cannot impose here with or without CASCO.
If you take a balanced approach to buying a car on credit, then you should consider the offers of B&N Bank loan products, which you can
