Loan to an individual for commercial transport. How to get a car loan for a truck for individuals. Differences from the passenger model

Commercial vehicles on credit for individuals are offered to be issued with the possibility of early repayment without commissions. There are programs for the purchase of freight and passenger commercial vehicles. They provide for the connection of additional services for OSAGO, CASCO and some others.

What are the conditions for buying commercial vehicles on credit?

Funds can be provided for both new equipment and used cars. the easiest way is to register a small one for a commercial vehicle. In this situation, not very strict requirements are imposed on the bank's client regarding the level of wages and the package of documents provided.

A loan for the purchase of commercial vehicles is issued according to certain rules. There is a recognized classification:

• category B. Cars purchased by a person with a loan more often than 1 time in 6 months.
• category D. Transport for the carriage of passengers, accommodating up to 19 people.
• category C. Cars with a weight of more than 3.5 tons.
• special equipment.

The bank agreement is usually concluded for a period of 3 to 60 months, and the minimum amount is limited to 100 thousand rubles. We invite you to get acquainted with different offers and find a suitable option for yourself, taking into account the necessary transport and your capabilities.

Buying a car for many is a means of comfort and freedom of movement, but for many it is also an opportunity to maintain a successful entrepreneurial activity. Many companies providing taxi or cargo transportation services require timely updating of equipment, so a car loan for commercial vehicles is in great demand. You can get information about the best loan offers on our website.

Features of car loans for commercial vehicles

To purchase one unit of a vehicle, it is better for a company to contact a bank to provide a consumer loan. A commercial vehicle loan implies the purchase of large quantities of cars that fall into one of the following categories:

• Category D vehicles.
• Cars of category C.
• Certain Category B vehicles purchased by specialized companies for specific purposes (e.g. taxis).
• Special purpose machinery (tractors, combines, trailers, etc.).

Russian banks have strict requirements for customers who want to buy commercial vehicles on credit. They must be registered individual entrepreneurs and legal entities. Banks require a complete list of documents, including information about the company, founders, financial statements. You will also need to make an initial payment of at least 20-30% and provide a deposit (in most cases, the purchased commercial vehicle is the security).

It will be a little more difficult to get a car loan for used commercial vehicles, and the client will have to take out comprehensive insurance. Interest rates can range from 7 to 20%.

How to get a loan for a commercial vehicle?

Our site contains the best offers with the ability to complete an online application for a car loan. After filling out the questionnaire, you must wait for the bank's decision and visit the bank with all the necessary documents to complete the contract.

A car loan is a universal banking product that is used by legal entities and individuals to purchase cars or trucks.

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What are the conditions for buying a truck with a bank loan? Which banks offer special programs for the purchase of trucks? How is a loan and vehicle purchase carried out? Read on.

What banks issue

If a decision is made to purchase a truck on credit, then the first step is to choose a credit institution. Each bank offers its own car loan conditions, which are somewhat different from each other.

To simplify the selection process, the table shows the most popular banks in the Russian Federation and the conditions offered by credit institutions:

Table continuation:

The table shows standard banking programs that can be used to purchase trucks.

In addition to standard programs, almost every bank also offers other credit products, the most popular of which are:

• car loan for a truck. A feature of the program is that there is no need to pay the first installment when buying a vehicle. However, under this program, the bank's interest rate will be increased, which will lead to an increase in the total cost of the car loan. A similar program operates at Europa Bank;
• express car loan. The peculiarity of the program is the accelerated decision-making and loan processing. When choosing this program, you should take into account that the bank will reduce the maximum loan amount and increase the interest rate, since with accelerated processing, the bank does not have time to check the client's solvency and takes on additional risks. Provides an express car loan for a truck for individuals VTB 24.

What is needed for registration

Before issuing, any bank tries to check a potential borrower in order to minimize the risks of the organization.

For this:

• certain requirements are imposed on the borrower;
• the client provides a list of documents required by the credit institution.

Requirements and documents for individuals and legal entities are different. Let us examine this issue in more detail.

Car loan for a truck for individuals

Private clients can get a car loan for a used truck and a new car subject to the following conditions:

1. The person is a citizen of the Russian Federation.
2. The borrower is over 21 years old (in some credit institutions the minimum borrower age is 18 years old).
3. At the time of repayment of debt to the bank, the client must be no more than 60 years old. The maximum age can also vary up to 65 years (for example) or 70 years ().
4. The presence of a permanent registration in the region where one of the branches of the credit institution is located.
5. Having a permanent job or other source of income.
6. Availability of mobile and landline telephones for communication.

To draw up a loan agreement and an accompanying pledge agreement, an individual must provide:

• passport;
• driver's license;
• a copy of the work book (the document must be certified by the employer);
• a certificate of the amount of wages (the document can be drawn up according to or according to the form provided by the bank);
• Vehicle TCP.

If it is necessary to attract a guarantor as an additional guarantee for the return of funds, an individual provides:

• guarantor's passport;
• a copy of the work book;
• certificate of the amount of income received.

For legal entities

If the recipient of a car loan for the purchase of a truck is a legal entity, then the following requirements are imposed on the borrower:

1. The company must be a resident of the Russian Federation, that is, the registration of a legal entity must be made in Russia.
2. The company has been operating for at least 1 year (Sberbank, VTB 24) and at least 6 months (Rosselkhozbank, Credit Europe Bank).
3. Positive balance for the last reporting period.
4. No overdue payments on other loans (if any).
5. Absence of tax arrears and other obligatory payments.
6. A valid checking account.

If the recipient of a car loan is an individual entrepreneur, then an age restriction is added to the basic requirements (the age of an entrepreneur should not exceed 60 - 70 years, depending on the chosen bank).

To draw up a loan agreement you will need:

• constituent documents of the organization (order of creation, charter, certificate of registration, and so on). A complete list of constituent documents is determined by each bank individually;
• business documents (description);
• financial statements.

Registration procedure

Each credit institution provides an individual procedure for processing a deal for the issuance of a car loan.

In most cases, the following steps are required:

1. Choose a bank, the terms of which are most consistent with the requirements of the borrower. When choosing a credit institution, it is recommended to pay attention to factors such as: company rating, experience in the field of car loans, customer reviews.
2. Send an application form to the selected bank. The document must contain full information about the borrower (including bank details for the legal entity) and data on the estimated amount of the car loan and the loan term.
3. After considering the received application, the bank checks the information received and makes a decision on the issue (refusal to issue) a car loan. If a decision is made to refuse, then the bank has every right not to motivate the reasons for the decision.
4. If a decision is made to issue a car loan, then the borrower needs to determine the brand, model and seller of the vehicle.
5. A sale and purchase agreement is concluded with the seller of the truck, after which the initial payment is paid (if this condition is provided for by an agreement with the bank).
6. After paying the first installment, the seller gives the buyer one copy of the contract, a receipt for payment of the initial installment and the original vehicle title.
7. The listed documents are provided to a credit institution for concluding a loan agreement and a pledge agreement.
8. After signing the documents, the bank transfers the missing amount to the seller to fully pay for the purchase.
9. The borrower can obtain the truck from the seller and use it as he sees fit.

After receiving the vehicle, the borrower is obliged to:

• register the car with the traffic police within the time frame established by law;
• take out insurance;
• transfer the TCP to a credit institution.

Contract

A car loan agreement is a standard document in which the following must be indicated:

• details of the parties to the agreement;
• loan amount in rubles;
• loan terms;
• a description of the vehicle for the purchase of which funds were issued (brand, model, VIN number, year of manufacture, numbered units, and so on);
• the amount of the applied interest rate;
• the need to insure the pledged item;
• other conditions (the possibility of refinancing, early repayment, and so on);
• penalties for non-compliance with the terms of the contract.
  The contract is signed by both parties.

A sample car loan agreement can be:

• obtain from the selected credit institution for preliminary review;
• download .

Sanctions for violation of the payment schedule

An addition to the car loan agreement is a payment schedule, which provides for:

• the date of the next payment;
• payment amount. The payment amount is calculated on the basis of the amount of interest accrued for a certain period of use of borrowed funds and the amount allocated to repay the principal debt.

For violation of payment according to the established schedule, the borrower may be subject to penalties.

The amount of penalties is determined by each credit institution independently, for example:

• VTB Bank charges a penalty of 0.1% of the outstanding amount for late payments. Penalties are charged daily;
• the amount of the penalty is 0.2% of the amount of overdue debt. Penalties are also charged daily.

If the client systematically violates the payment schedule and allows the formation of debt, then the bank has the right:

• prematurely unilaterally terminate the auto loan agreement;
• collect within 10 days the entire remaining amount under the agreement, taking into account the interest of the credit institution.

The borrower must be notified in writing about early termination and the need to repay the loan urgently.

We sell commercial vehicles for the following purposes:

• transportation of passengers;
• transportation of various goods;
• use as a chassis for special equipment.

At Major you can buy commercial vehicles from different manufacturers. Our catalog contains passenger vans, cargo vans, pickups, cars with flatbed platforms and isothermal vans, etc.

Commercial vehicles in the Major

We officially represent commercial vehicles from Citroen, Fiat, Ford, Nissan, Mercedes-Benz, Peugeot, Renault, Volkswagen. Thanks to this assortment, you will select the right vehicles in accordance with your requirements for a set of options and prices.

It is very easy to choose a suitable commercial vehicle in our catalog. For the convenience of searching, you can set the appropriate search parameters in a special filter, and the system will display suitable options.

Buy cars on favorable terms

Among the advantages of cooperation with Major is the opportunity to purchase transport within the framework of promotions and special offers. This will allow you to save a lot when buying machines for commercial purposes.

We sell not only new commercial vehicles in Moscow. You can find in this section the cars used for test drives. They are also covered by a guarantee, just like new ones.

We carry out the whole range of works on warranty and post-warranty maintenance of equipment. As well as additional services for lending, buying on lease and others.

Now a fairly large number of Russian banks offer their services in the field of lending. A huge plus is the fact that financial institutions provide loans not only for personal cars, it is also quite common and in demand. There is a logical explanation for this: it would seem that commercial transport can only be needed by people running their own business - individual entrepreneurs and legal entities. But the problem is that legal entities and individual entrepreneurs, acting as borrowers, are much less likely to receive a car loan than individuals. In addition, banks always put forward stricter requirements to businessmen, and auto loans for individuals for the purchase of commercial vehicles are allocated with rather interesting and loyal conditions. That is why, if it is necessary to purchase commercial vehicles for doing business, it is individuals who often turn to the bank.

What kind of transport is commercial

Financial institutions issue auto loans to individuals for commercial vehicles in accordance with their own ideas about this technique.

Banks classify it according to the following definitions:

• cars of category "B" - passenger transport, which is purchased by an individual at the expense of a bank loan more than once every six months (this can include cars for a taxi fleet);
• Transport category "D" - vehicles intended for the carriage of passengers, the number of seats in which is in the range from 8 to 19;
• category "C" vehicles - this includes vehicles weighing more than 3.5 tons;
• special equipment, which also includes trailers and semi-trailers.

The conditions for car loans for a particular commercial vehicle will depend on the specific car, the amount of the prepayment, the term and solvency of the borrower. Some banks willingly accept guarantees from individuals, and the loan amount that you can count on when contacting a financial institution depends only on your monthly income.

Which car loan program to choose

Banks offer many programs for which you can get car loan, commercial vehicle financed by financial institutions on a wide variety of conditions, among which almost everyone will find suitable ones. For example, VTB24 Bank provides loans for the purchase of commercial vehicles by an individual without the need to confirm the borrower's employment. Financial institution "AK BARS" allows its salary clients and borrowers with good credit history to get a loan for commercial transport without having their own savings for prepayment, while the loan rate does not increase. In this bank, it is possible to include in the body of the loan the costs of hull insurance and additional equipment for commercial transport. And the Sovetsky bank does not require at all to acquire an expensive CASCO.

Choosing a commercial vehicle car loan program should be based on your own preferences and capabilities. This includes the availability of your own funds to make the initial payment, and the desire to purchase insurance, and a preliminary calculation of your own capabilities, according to the amount of income.

Financial institutions provide car loans not only for new commercial vehicles, but also for used ones, so with average earnings, you still have the opportunity to buy a commercial vehicle on credit, even a used one.

Popular offers of banks for auto loans for commercial vehicles for individuals

In order to make it easier to decide on the choice of a car loan program for the purchase of commercial vehicles by an individual, we will consider several popular offers from different banks, their conditions and requirements.

The program "Car loan for commercial transport" from JSC "AF Bank"

In this financial institution, individuals can obtain a car loan for commercial vehicles on the security of the acquired property - cars of category "D" and "C", both Russian and foreign, except for Chinese cars. The bank gives borrowers the freedom to choose whether to buy CASCO or not.

Basic conditions:

• the loan amount varies from 100,000 rubles to 3,000,000 rubles;
• the conclusion of a loan agreement is carried out for at least 3 months, for a maximum of 60 months;
• as an advance payment, you must pay at least 20% of the cost of the purchased vehicle;
• the rate on a car loan is 18.5% per year (subject to the purchase of a CASCO policy, without insurance, the rate will be 21.5% per year).

A distinctive feature of this car loan program is the fact that in the first month of debt repayment, the interest rate differs significantly from the originally established one and can be 24%, 36% or 48% per year, which is a big disadvantage of this car loan. But you need to repay the loan in equal payments, which reduces the burden on the borrower's budget. As for the documents. Then the bank requires the following list from the borrower:

• passport of a citizen of the Russian Federation;
• document of your choice: TIN certificate, driver's license, international passport;
• application form for a targeted loan for the purchase of commercial vehicles.

In other words, the bank is ready to provide a loan with only 2 documents, but if necessary, it may require a certificate of income and confirmation of employment. Applications for a car loan are accepted from clients aged 23 to 55 years old who have a permanent residence permit in the region where the branches of the financial institution are located.

Commercial Transport Program from VTB 24 Bank

Under this program, you can purchase a minibus, pickup truck, minivan and light commercial vehicles on credit for commercial use. The main advantage here is the fact that VTB 24 Bank makes it possible to obtain a loan for both new and used commercial vehicles. In addition, the car can be registered with a spouse. The interest rate for this program directly depends on the amount of the prepayment and the age of the vehicle:

• the rate on a car loan for a new car will be 20.5% per year, provided that 20% of the cost of the car is paid in and insurance is purchased for our own funds, or when 30% of the value of the vehicle is paid and the CASCO premium is included in the body of the loan.
• The rate on a car loan for a used car will be 21.5% per year, provided that 20% of the cost of the car is paid in and insurance is purchased at your own expense, or when 30% of the value of the vehicle is paid and the CASCO premium is included in the body of the loan.

A car loan is issued for an amount of up to 3,000,000 rubles for a period of up to 5 years. The bank takes the documents quite seriously, so you will have to prepare a full package:

• application form for a targeted loan;
• passport of a citizen of the Russian Federation and its copies;
• driver's license and copy;
• a copy of the work book (all pages), certified by the personnel department at the borrower's place of work;
• a document confirming the income of your choice: a certificate in the form of 2NDFL, in any form, an extract on a bank personal account, or other documents confirming income;
• copies of educational documents and papers confirming the presence of liquid property in the ownership of the borrower or his family (provided if available).

The bank allows you to bring your spouse / spouse as a co-borrower - in this case, such a person will need to collect a similar package of documents.

Applications are accepted from clients aged 21 to 65, with an official average monthly income of at least 8,000 rubles per family member.

Intechbank - Commercial Transport program

This financial institution is ready to provide car loan for commercial vehicles for individuals on the following conditions:

• the minimum amount of the advance payment is 30% of the cost of the purchased vehicle;
• the term for which you need to repay the debt is from 1 to 5 years;
• the interest rate is 17% per year for a loan term of up to 3 years, 18% per year for a loan term of up to 5 years (applies to the purchase of a new commercial vehicle on credit);
• when purchasing used commercial vehicles, the rate will be 18% for a period of up to 3 years and 19% for a period of up to 5 years.

The rates are indicated taking into account the purchase of CASCO insurance (theft and damage), if the insurance is canceled, the percentage will be increased by 2 percentage points. The amount that can be counted on when submitting an application varies from 100,000 to 2,000,000 rubles. When applying for a car loan for commercial vehicles with mileage, the bank puts forward the following age restrictions at the time of debt repayment: for cars of Belarusian, Russian and Chinese production - 5 years, for cars of American, European and Asian production - 7 years.

The borrower is required to permanently register in the region of presence of bank branches, age from 21 to 60 years, total work experience from 1 year. In addition, a full package of documents is not excluded, which includes: an application form for the provision of a targeted loan, a passport of the Russian Federation, a copy of the spouse's passport, a TIN certificate, rights, a certificate of income in the form of a bank or 2NDFL. If an individual is the owner of a business, copies of the constituent documents and an information letter detailing the company's activities should be added to this list.

Credit Europe Bank

This financial institution has plenty to choose from a commercial vehicle car loan program. For example, the program "Autoexpress loan for commercial vehicles" implies the following conditions:

• the term for which you can get a loan does not exceed 60 months;
• the amount is limited to 1,000,000 rubles;
• the required amount of the down payment is 30% of the cost of the car;
• interest rate - 25.5% per year, when 50% prepayment is made, the rate will decrease by 0.5%;
• there are no commissions for the issuance of a loan and its early repayment;
• compulsory CASCO insurance for the first year with prolongation for the next.

Under the program "Classic car loan for commercial vehicles", the conditions differ only in the maximum amount and interest rate.

In this case, the loan amount is limited to 2,000,000 rubles, and the interest rate is 24.5% per year.

In addition, Europa Bank has partner programs, car loan for commercial vehicles for individuals, within which it is issued on special terms.

Bank Tetrapolis

At Tetrapolis Bank, you can apply for a car loan for new commercial vehicles, which include minivans, minibuses, pickups, light and heavy trucks. The main conditions of the bank on which a car loan is issued are as follows:

The borrower is required: Russian citizenship, age from 21 to 60 years old, and obligatory proof of income in official or free form. The bank charges a commission for making a non-cash transfer of funds to the account of the vehicle seller. The commission amount is equal to 1% of the loan amount, while it does not exceed 2,000 rubles. The property purchased at the expense of bank funds - commercial transport - acts as a security for a car loan.