"Before the crisis almost every second car bought on credit, now at best one in nine. In 2009, a decline due to the fact that many banks will not lend to or required to pay a significant interest rate, but now conditions allow us to sell on credit auto 30-35% ", - says Director General of SE" Auto International "Helen Dunin. She is convinced that people are simply afraid to communicate with bank loans. For bankers, the mood is fraught with the loss of profitable customers.
Autocrediting many consider one of the most reliable ways to place funds. Because of the smaller amount of debt defaults on it less than their mortgages. In addition, the car - at least in principle for living thing than a flat, and therefore easier to part with it.
A customer returned the car to realize the bank may fairly profitable, what makes auto loans to credit, such as household appliances. To overcome fears of people and to attract customers, many financial institutions have launched preferential loan program, reducing the rate and size of first advance. There were even suggestions in the market with zero credit rates and the absence of the first payment. However, many of them laid a variety of hidden commissions or just additional conditions for which the potential buyer will not be able to take advantage of this offer.
"Consumers are sensitive to price various banking services, so the banks are trying to cover up the real cost of showing only a beautiful figure. But it should not yield to suffer "- explains the logic of the deputy chairman of the bankers bank" Contract "Paul Krapivin. According to him, such tricks have one goal - to entice the customer to the bank. To check how much credit is really worth to a car, tried to take the focus auto loans in different banks, including those who actively promote their spetskredity. Contribution to the wind Banking bait. Paul Krapivin of the bank "Contract" confident that credit conditions may change dramatically after the bank takes your documents is often a major problem for those wishing to take out a loan on a car is a necessity to pay a down payment for the vehicle. Six months ago, virtually no bank agreed to issue a credit until a future driver will not make 20% of the car.
Now some banks offer terms from 10-15% up front, and two - Privat Bank and Astra, and even without him. Acted in such an action and Ukrsotsbank. But to get such a loan is almost impossible. For example, in Privatbank count on attractive terms can only borrowers with the status of reliable clients. "It is necessary that the bank already knew a man that he had a credit history or deposit in the bank. There we have about a million. Otherwise it would be too great a risk, "- says a leading specialist bank for public relations Denis Gorokhovskiy.
An average customer who just will handle about credit conditions of the proposal is notified. "The advance may not be less than 30 percent", - stated categorically employee of one of the branches. At Astra Bank loan of zero does not hold back, but said that a decision on the credit committee of such a loan is very difficult - the official salary of more than 5 thousand is not even enough to take a five-year loan on a car at the cost of 100 ths. "We have no experience with the issuance of such loans, the service is not run-in" - an argument put forward the head of one of the offices, refusing to count the price of credit with zero upfront.
In addition, small advances are still fraught with high stakes for borrowers. If, for example, in the VAB Bank annual credit of 50 percent up front is 9.99%, the same with an advance of about 20% - 12.59%. And in the OTP Bank loan, the price difference with 20 per cent and 75 per cent advance payment up to 6%. Zeroing rates second sentence, by which the banks hope to attract customers - is a low rate. But in fact, a loan at a zero rate is more expensive credit to the standard conditions.
For example, a bank employee considered Astra Focus monthly payment for a car loan for a five-year cost of 120 ths. and 10% in advance with a rate of 15.9% and 0.001%. More profitable was the first loan: who took it will have to pay 2621 USD. per month, tempted by the same zero rate will have to lay out 2826 USD.
Due to the hidden monthly rates competitive at first glance loans are very expensive. For example, in Universal Bank for a loan with a rate of 0.001% per month to pay extra 0,7-0,77%, depending on the loan term. In the Ukrainian Business Bank at the same annual rate monthly fee of 0.8%. However, the "extortion" and are completely market rates - for example, in the bank "Russian standard" monthly fee of 0.1% will have to pay in any case, although the rate of the bank and is 14.49%. However, in some cases, financial institutions do offer zero or close to it without commission rate. But then, as a rule, the credit period is extremely limited, and advance must be at least 50%. For example, if you start to pay 50% of the price of the car, you can borrow under 0.01% in the First Ukrainian International Bank, or by 0.99% in Ukrsotsbank. If you pay 70% or more - FUIB give you a two-year loan at 0.01%, while the "Unex" - under the same annual rate. Look for a car on their own terms. Lending conditions have reached pre-crisis, says Alexander Gray of "Prostobank consulting", and there is even more advantageous choosing a bank, you should know that many of these credit facilities for cars of different brands can vary greatly. For example, at Privatbank standard rate of 17.87% credit on some models of Daewoo is 10.56%, and the number of models of Chery, «Lada» Hyundai and cheaper by 4.5%. In the VAB can get free credit for 10 months, if you buy a car online shops "Nick", and in Ukrsotsbank - become the owner of a brand new Honda by 0.01% per annum, if we take credit for the year. Naturally, the banks hold such shares are not free - it stores up for lost profit.
For example, a network of shops "Nick" to pay the VAB Bank 2% of the cost of each car. You also need to consider not only the benefits but also the limits on loans of different models in different banks. For example, under the program "Avtootpusk" from the USB's do not fall Ukrainian cars. Moreover, if, for example, under the "Lada" Russian assembly bank is ready to make a loan, the "Harmony" Ukrainian assembly is not credited. But on foreign cars domestic bottling it does not apply. "It's all in the liquidity of collateral.
For example, the new Ukrainian car for 60 thousand in three years is a maximum of 20. Banks such unprofitable deal, "- explained the focus in Ukrsotsbank. However, having been refused in one bank can borrow from one another. A number of financial institutions at a 50 percent advance payment is ready to give credit even to those who officially receives only the minimum wage. In the future, banks will only dump, attracting customers. "If no major changes in the economy, we can expect that in the near future, rates will fall, and credit terms are extended. Many small banks will improve conditions so that borrowed from them, "- said Chief Financial Officer" Prostobank consulting "Alexander Gray. Paul Krapivin thinks differently: the banks could face a decline in consumer expectations on the part of lending. "I watch the customers and see that consumer expectations are weak.
People still emotionally in a crisis and not ready to actively take out loans. Especially now that gasoline prices rise, and not all want to become car owners, "- says the banker. However, all experts Focus believe that much will depend on the stability of the hryvnia and the rate of inflation: if the economic situation in Ukraine will improve, the rate will be reduced and the amount of the loans will increase.
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