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в настоящий момент высокая загруженность

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5030 Сотовый

Car loan

Хотите приобрести авто?! Со Сбербанком это легко!

  • Loan amount: up to 90% the cost of purchased of motor vehicles
  • Interest rate: from 18% (annual effective interest rate from 21,2%)
  • Loan term: up to 7 years
  • Down payment: from 10%
  • The loan may be granted without income verification

How to get loan

The following is required for consideration of the application:

  •  Copy of the identity document of the borrower/co-borrower/spouse of the borrower/co-borrower/mortgagor (ID card/passport of the Republic of Kazakhstan/residence permit in the Republic of Kazakhstan);
  • Application for a loan, and agreement to the collection and processing of personal data (application shall be registered with the Bank subdivisions engaged in the registration of incoming documents);
  • Original consent of the subject of a loan history to issue a loan report from loan bureaus;
  • Original consent of the subject of a loan history to provide their details to loan bureaus;
  • Original consent for the provision of information from SCPP to the Bank;
  • Certificate of employment of the borrower with the address of the employer (on the applications running on the location of the organization-employer of the borrower);
  • Documents confirming the borrower's/co-borrower's income;
  • A copy of the marriage certificate of the borrower/co-borrower (if the borrower/co-borrower is married).

Loan benefits

  • No fees for the execution of loan documentation and fees for crediting funds to the account when purchasing a new car in the showrooms-partners of the Bank;
  • Opportunity to get a loan with simplified income financial analysis;
  • Special conditions for clients who receive salary to an account with Sberbank, and for clients-employees of companies;
  • No penalties for loan prepayment.

Loan purpose

Purchase of motor vehicles

Loan currency

KZT

Loan amount

up to 90% of motor vehicle price

Loan term  

up to 84 months

Loan documentation execution fee

0% of the loan amount, one-time payment; 

Fee for crediting funds to the account

2.5% of the loan amount, one-time payment; 

Prepayment fee

0%, no penalties

Fee for cash withdrawal

0% of the loan amount, one-time payment; 

*Комиссии утверждены Комитетом по управлению активами и пассивами Банка от 25.05.2017г., №19

Interest rate (KZT)

Term, 

months

Individuals

Payroll card program, Category 1, VIP clients

12~84

 18%

18%

annual effective interest rate from 21,2%

*Ставки вознаграждения утверждены Комитетом по управлению активами и пассивами  Банка от 02.02.2017г., №04

Age at the moment of granting the loan

above 21 years

Maximum age

at a loan maturity – fifty eight (58) for women and sixty three (63) for men

Employment history

not less than four (4) months at the last workplace prior to the date of a loan application. The general uninterrupted employment history of an individual shall be not less than six (6) months.

  • at the place of registration of borrowers – within fifty (50) kilometres from the settlement, in which is a branch/SSB of the Bank is located;
  • at the place of registration of borrowers – more than fifty (50) kilometres away from the administrative border of the town/settlement where a branch/SSB of the Bank is located
  • at the location of the organization-employer of the borrower where a branch of the Bank is located;
  • at the location of existing/purchased/under construction/reconstructed estate property serving as collateral for the loan which is located in the settlements of Kazakhstan where a branch/SSB of the Bank operates or in settlements located not more than thirty (30) kilometres away from Almaty or not more than twenty (20) kilometres away from other towns/settlements where a branch/SSB of the Bank is located.

Loan granting procedure

One-time transfer of the loan amount to a current account at the request of the borrower on the date of a loan agreement.

Loan repayment procedure

By annuity or differentiated payments.

Partial or full loan prepayment

Upon request that contains the date of prepayment, the amount and the account from which the funds are to be transferred. The date of prepayment stated in the request shall be a business day.

The minimum amount of loan repaid in advance is not limited. 

Advanced repayment fee is not charged.

Penalty for untimely loan repayment

0.25% (zero point twenty five percent) per each calendar day of delay of the outstanding principal debt and interest,  but no more than 10% (ten percent) of the originated loan amount for each year of the loan agreement.

Should you need more information, please contact the Bank's outlets in your city or the Call Centre 8 (727) 250-30-20 in other regions of Kazakhstan: 8-8000-808-808

Almaty

Free call over Kazakhstan +7 (727) 250-30-20
Сотовый 5030