Bank Eastern Bank is a universal credit institution with a well-developed network of regional divisions. Since May 12, 1991, he has been licensed by the Bank of Russia to conduct operations with the funds of citizens and enterprises in rubles and foreign currency; entered in the register of banks participating in the system compulsory insurance deposits, is a professional player in the market valuable papers. Performs all types banking services presented on the financial market.
The head office in Moscow is located at the address: 119034, Moscow, Gagarinsky per., 7, bldg. 2. In total, there are 5 branches in the city of Moscow.
There are 7 ATMs in Moscow for plastic card holders.
Vostochny Bank offers its customers an extensive list of financial services. A wide product line has been developed for individuals, including offers on deposits, plastic cards, consumer, mortgage and car lending programs, foreign exchange and other operations.
Here you will find indicators of the current rate of sale / purchase of currencies in Vostochny Bank. Currently, the euro sell/buy rate is 68.70/67.70. The dollar selling/buying rate is 62.30/61.30.
Vostochny Bank is rated B2 international agency Moody's Investors Service. In the ratings for assets, deposits and loans, he occupies 30, 19 and 36 lines, respectively. Total key indicators (assets / deposits / loans) - 256,733 million rubles, 128,569 million rubles. and 39,510 million rubles. respectively.
In the article:
Buy vehicle It will not be difficult, because many financial institutions provide appropriate loans. For example, Eastern Express The bank provides car loans to citizens on very attractive terms.
Before applying for a loan, you should clarify the details of the transaction and the key conditions for granting a loan (requirements for borrowers, down payment, interest rate). Vostochny Express Bank provides a car loan for a used car or a new car only from the salon on certain conditions. You can get a preliminary answer through the online application.
Vostochny Express Bank provides car loans with the opportunity in difficult life situations to issue " credit holidays". In addition, it should be noted a lot of other advantages:
In this regard, tens of thousands of citizens (including through an online application) who dream of a personal car come here.
Under the terms of car loans, you can purchase a used car or a new one without a down payment after filling out an online application. Here you can also apply for a women's loan to buy a car. Conditions are close to standard, slight differences in the interest rate.
The purchased vehicle will serve as collateral for the transaction until the loan is fully repaid. This condition is the key difference between a car loan and a consumer loan.
The key conditions for granting a loan to Vostochny Express Bank are expressed in the following:
The pledge guarantees the bank a refund if the client stops making payments (the car is sold, and the proceeds go to the bank).
The presence insurance policy also guarantees the return of money to the bank under the terms of the loan in the event of an accident or car theft.
This financial institution currently offers several lending programs that can be obtained through an online application.
"AutoCASH" is a program available to all categories of citizens, without collateral, guarantees and the need to issue CASCO. You can buy any car not older than 2006 of release. The amount that the borrower can claim is 200-500 thousand rubles. The maximum loan term is 5 years. The interest rate, depending on the amount of the loan, varies between 19-31% per annum. "Personal loan" For those who are already a client of this financial institution, a special preferential offer is provided: "Personal" loan. East Bank car loan positive client issues with a reduced interest rate of 23-26% per annum. The term of the loan is up to 60 months. This option is one of the most popular products of the bank today. "Women's car loan" Currently, the fair sex driving a car can be found very often. In this connection, Orient Express Bank has developed a special program for women. Car loans for girls are provided on the following conditions:
In case of refusal to provide PTS on the date of registration of a car loan, the borrower receives an increased interest rate.
In order for the bank to approve a client's loan application after submitting an online application, certain requirements must be met. The applicant must:
You can get pre-approved within the same day you submitted your online application. The interest rate will be finally determined after a detailed study of your application and will be announced at the time of signing the contract.
Correctly calculating how much you will have to pay the bank for your new car every month means getting a profitable loan. Analyze interest rates and other terms of the contract from a financial point of view in advance. Find out how you can lower your interest rate ( online application for a loan), and what actions you can take to increase it.
Another feature of the offers of this financial institution is a progressive loan interest rate. The actual overpayment on the loan depends on the amount of the loan, credit history and income level of the client.
Minimum threshold interest rate- 19% per annum, and the maximum - 31%.
There is no information in the public domain about how much the interest rate can be reduced for customers who have already used the services of Vostochny Express Bank, want to submit an online application again and have a positive history. There is also no information about what interest rates are formed for payroll clients. You can find out in person or by calling the contact center at 8800-100-7100.
For convenience and accuracy of calculations, you can find on the website of Orient Express Bank not only an online application form, but also an online car credit calculator. It will help to understand the credit system of this financial structure and displays a report on the program needed by the client and a convenient interest rate.
Contact customer support to find out which profitable terms may be available to you when applying for a "Women's car loan" To calculate monthly payment and overpayment before submitting an online application, it is recommended to use a loan calculator on the official website of the bank. It is very convenient and helps to quickly calculate the most suitable offer for a particular applicant.
How the calculator works:
We draw your attention to the fact that choose an interest rate or see how it changes on a given online service, you won't be able to. The calculator calculates for informational purposes. The real amount will be determined by a loan officer after he compares your data according to the bank's established parameters and determines the conditions under which car loans will be available to you.
Conditions and interest rates, as well as requirements for borrowers, are the key characteristics of a car loan. However, it is important to pay attention to the possibility of filling out an online application, as well as to study the reviews of users of this product.
In addition, an online application for a car loan from Vostochny Express Bank is submitted through the official website at any time of the day. This is very convenient, because the client does not need to waste time in queues.
A client who wants to personally communicate with a specialist can fill out a special online application or a form on the website, which will offer a convenient meeting time for a personal transfer of a loan application. You only need to determine the date and issue that you would like to discuss with the bank.
An online application specifically for a car loan on the website of Oriental Express Bank is not available. However, you can leave your details on the cash loan form. A specialist will contact you by the provided number and clarify the purposes for which the funds are supposed to be received. Will it be a female car loan or are you interested in standard car loan conditions.
Choosing a company for obtaining a car loan is a responsible process, which must be approached with all seriousness. The list of banks that are considered as potential creditors should include only institutions that are reliable.
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These companies include Orient Express Bank. The institution is present at Russian market since 1991. Previously, the company provided cash only residents of the Far East, but now its representative offices began to appear in the western regions.
To understand all the pros and cons of cooperation with the institution, you need to carefully study the conditions under which the company is ready to provide funds for the purchase of a car.
The car loan service Vostochny Express Bank is a profitable opportunity to obtain capital for the purchase of a vehicle.
The company has a whole list of tariff plans that allow you to choose an offer, guided by personal ideas about profitability.
Some categories of citizens will be able to take advantage of preferential tariff plans. Vostochny Express Bank cooperates with various dealers and car dealerships. This allows the institution's clients to count on receiving additional discounts.
By starting cooperation with the organization, a person will have the opportunity to purchase both new and.
Moreover, it is not necessary to take a used car in the cabin. The organization allows you to get a loan for a car owned by a private person.
A client who wants to use one of the company's offers will be able to use them even if the selected vehicle is sold on the car market.
The capital issued on credit can be used to improve the car or purchase additional equipment for it.
Vostochny Express Bank has a number of advantages over its competitors:
Interest rates in the company are higher than those of similar institutions. If a person takes a loan for the first time at the Eastern Express Bank, he must prepare for the fact that the amount of overpayment will be 27.5-29% per annum.
To transfer money to the account, the company will take an additional commission. Its size is 4.9% of the amount, but not less than 250 rubles.
Vostochny Express Bank is ready to provide funds for up to 5 years. The organization has relatively small credit limits. In an institution, you can get no more than 1,000,000 rubles.
Through the page of the institution, you can make an appointment with a representative of the organization, who will help fill out the application and, if it is approved, will carry out further processing.
Orient Express Bank is distinguished by a minimal list of documents. You can get a loan from a company only with a passport. However, persons under the age of 25 will have to submit an extended package of papers.
Along with the passport, a person will have to submit to the company a certificate confirming the monthly amount of income, and a copy of the work book, in which there is a mark on official employment.
When the application is approved, the company's specialist will offer the client to familiarize himself with loan agreement and sign it.
A car loan at Orient Express Bank provides an opportunity not just to dream about a car, but to purchase a car with a one-time payment for the entire amount of the car on credit.
For modern fellow citizens, the car has firmly taken first place among movable property essentials. Borrow something - borrowed, but not everyone has the financial ability to buy a car for cash.
Helping car enthusiasts commercial banks and offer various targeted car loan programs for:
One such bank is Vostochny Express Bank.
What is the difference between a car loan and consumer credit? It seems that there and there the borrower receives the required amount of money.
Probably, not everyone who wants to get a car loan imagines that his main feature is that a car purchased on credit will be encumbered by a bank with a pledge agreement.
This feature imposes certain restrictions on the owner, who cannot:
And take other actions until the full repayment of the loan.
The purpose of a car pledge for a bank is to ensure that in the event of a financial failure in the borrower's budget, it would be possible to sell the car to pay off the debt.
Also bail should discourage, but not yet single base mortgage cars, this item does not always work.
The second feature is that the bank requires without fail insure the car not only under OSAGO, but also under the full program (damage, theft, etc.).
In the recent past, banks imposed auto insurance on "their" insurance companies, but now the law allows you to get an insurance policy from any company.
One of the well-known commercial banks offering car loans on attractive terms is Vostochny Express Bank.
OJSC "Vostochny Express Bank" takes its history from the distant 1991 and is in the top thirty of the most famous banks in the financial and credit market of the Russian Federation.
The bank has an extensive network of branches and additional offices, which makes it possible to talk about the availability of car loans for a wide range of car enthusiasts throughout the country.
For example, the network of branches of Vostochny Express Bank is evidenced by the fact that the bank's offices are being opened even in the regional centers of the Kirov region.
The main advantages of why it is beneficial for borrowers to get a car loan in this particular bank:
Separately, it is worth mentioning the interest rate on a car loan at Orient Express Bank.
The bank uses a progressive loan rate, which directly depends on the amount of the loan: the more car loans the borrower needs, the less the borrower will pay interest for using bank money.
The minimum rate to which interest falls is 12.9.
The main obstacle in order to get a car loan is only.
But in general, the requirements of the bank to the borrower can be called democratic:
Why female? Because the borrower of a car loan is a woman who receives borrowed funds to buy or repair a car.
Terms credit program"Women's car loan" in Orient Express Bank complies general programs loans, with some exceptions:
Car loan in East Express Bank, against the background of similar banking programs
Today, buying a car is one of the primary tasks, although many do not have enough money for the full cost of the chosen car. In this case, you should not despair, as you can always get a car loan.
A car loan is a targeted type of loan that can be obtained from most banks in the Russian Federation. According to the conditions, the client receives money for the purchase of a used (used) or new car. True, no one gives money to the hands, since the bank transfers the approved amount directly to the seller.
Banks generally offer three types of car loans:
But many people want to buy a car from third parties, what to do in such a situation?
In fact, it will be problematic to take a car loan from a bank and buy a car from third parties (there are practically no such programs). Credit institutions, as a rule, work only with car dealerships. And if you need to buy a car from a neighbor, friend or relative, you will need to apply for a non-purpose loan that allows you to spend money at your own discretion, that is, for personal needs. You can also contact the MFI, where the rates are higher, but there are fewer problems with receiving money. You do not need any income statement or an explanation of what you plan to spend money on. Another option is to arrange an installment plan with the seller, it remains only to find such ...
Why not apply for a car loan directly in the salon?
Many car dealerships cooperate directly with MFIs and banks and offer customers to apply for a car loan, as they say, without leaving the cash register. The car buyer provides a passport and documents (more often, only information about the place of work and monthly earnings is enough) and literally in a couple of minutes receives an answer.
But the interest in car dealerships is higher than in programs in banks, so if you don’t want to overpay, you should familiarize yourself with the offers of lenders on your own and choose the most suitable one.
So, we found out that it is more profitable to get a loan to buy a car from a bank. There are two options - a regular consumer (non-targeted) or car loan (targeted).
If you plan to buy a car in the salon, of course, you should consider special programs of banks designed specifically for buying a car.
As for consumer loans, then here the money can be spent at your discretion, but the conditions will be standard. No concessions for parents with many children, young couples, etc. True, an initial payment is not needed, so if there is no money, you should pay attention to this option.
Additional terms! You will have to confirm income regardless of the chosen program, since banks work only with reliable clients. Exception - Members salary project, that is, current customers of the bank. For such, the conditions are more favorable (reduced interest rate), and the application consideration period is shorter, and the approval rate is higher.
To apply for a car loan, you need to follow the following steps:
Also, the bank will give you a payment schedule that you can make different ways. Usually you can pay on a loan:
First of all, you should contact the bank through which you receive your salary, as existing customers are usually offered the most favorable conditions. If this option is not suitable, pay attention to the programs of lenders that are most popular and trusted by citizens.
In the most reliable bank, you cannot get a car loan, it is provided through a partner - Cetelem Bank. Basic requirements for borrowers:
According to the conditions, it is possible to purchase a car from car dealers with whom Setelem Bank cooperates worth up to 3.5 million. Moreover, the car can be both new and supported. More about Sberbank car loan
Tinkoff Bank offers to issue a car loan at 9.9% per annum (initial rate, which may change) without a down payment. The maximum amount is 2 million rubles, and the term is up to 5 years.
The advantage of this offer is that money is issued in cash, or rather, together with a card that can be cashed out for free (without interest) at an ATM of a bank or partners. Car loan from Tinkoff bank according to the conditions, you can spend on the purchase of any car, even buy a car from third parties.
In this bank, you can get a car loan for the purchase of a car, commercial vehicle or special equipment. There are two types of car loans: "Autoexpress" and "Classic". According to the first offer, you can get from 100 thousand rubles. up to 2.5 million at 11.9% - 23.2%. A classic car loan involves obtaining a larger amount of 500 thousand rubles. 6 million, but confirmation of income is mandatory.
You can get up to 1,000,000 rubles for the purchase of a car for up to 5 years. A feature of the offer of Home Credit Bank is that it is possible to buy a car without CASCO. Also, according to the conditions, you can purchase any model of car, and even from individuals.
Raiffeisenbank offers to issue a car loan without certificates and proof of income. Moreover, it is not even necessary to visit a credit institution, since a specialist can visit the house. The approved amount is issued together with plastic card payment system Mastercard, which can be cashed without interest at ATMs of Raiffeisenbank or partners.
There are several car loan programs:
Also have individual programs for the purchase of commercial vehicles and motorcycles.
In URALSIB Bank, citizens of the Russian Federation can apply for a car loan without a CASCO insurance policy. The first installment depends on the chosen program: if this is the first car or a family one, you need to pay only 10% at once. If a car loan is issued on a general basis, then the amount of the first installment is from 20%. The interest rate is from 14.85 per annum, and the minimum age of the client is 23 years.
We have looked at the maximum profitable offer banks this year. Many offer separate programs depending on the condition of the car - new or used. Also, many banks meet borrowers and do not ask to confirm income. Registration of CASCO for most programs is also voluntary. The main thing is to understand that waiving insurance and applying for a car loan only with a passport and driving license will lead to an increase in the interest rate and a decrease in the amount of the loan.
Banks offer the most favorable conditions only to reliable customers!
