Should I take out a loan from "Cetelem Bank": client reviews, interest rate

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2018-04-05 16:45:29

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“Cetelem Bank” is a subsidiary institution of the savings Bank of Russia. This Bank operates based on the license, and today is represented in the seventy-seven regions of the state. The company offers a number of various loans. It is interesting to note that most programs for clients developed through joint collaboration with automotive manufacturers. Let us consider the advantages and credit conditions in this Bank, out of reviews know what do you think about it customers and find out whether to take a loan there.

Reviews of car loan in “Cetelem Bank” will consider in this article.

setelem Bank auto loan reviews

Main advantages “Cetelem Bank”

The Main advantages of this financial institution are:

  • Almost instant decision-making on granting loans, which usually requires from fifteen minutes to one day max.
  • Issued loans with a minimum package of documents, which included the passport of the citizen of the Russian Federation, along with a driver's license.
  • The Signing of the loan agreement at the client's request may occur at the dealership, a partner of the Bank.
  • Variety of repayment options as well as a large number of points on fast customer service.

Interest rates on loans and services “Cetelem Bank”

According to the reviews, avtokredit, OOO «Cetelem Bank” is popular.

Terms are different. So, the loan amount generally varies from plan, and the selected program. The minimum size is a hundred thousand rubles, and the maximum – five million. The term of issue is provided from one year to five years. The first installment must begin from twenty percent. Consider the interest rate on the loan from “Cetelem Bank”.

This year, there are several programs designed for acquisition of new vehicles, and the purchase of used equipment. Thus, there are the following programs:

  • “Standard”. Under this scheme minimum size of the loan is five million rubles. The range of annual rates ranging from twenty three to twenty seven percent. The required minimum initial Deposit-twenty five percent.
  • “Express”. The maximum size of loan in this program is one and a half million rubles. The range of annual rates translates into at least twenty-two percent or more. A minimum initial contribution as in the previous case, is required in the amount of twenty-five percent. Insurance car loan in “Cetelem Bank”.

OOO Cetelem Bank auto loan reviews

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  • With residual value. A loan under this program is issued in the amount of three million rubles. The range of annual rates ranging from twelve to thirteen per cent. With regard to the minimum initial payment, it is twenty per cent.

It Should be emphasized that the program “Express” “Cetelem Bank” gives auto loans in smaller amounts, but their execution is much faster. In addition, for each program offered individual plans on tariffs, such as “Trusted”, “Online”, “Easy”, “Standard”, “Best” and “Partner”. Reviews of car loan in “Cetelem Bank” abound.

For each tariff calculated interest rates depending on the amount of the first payment. Thanks to the assistance of vehicle manufacturers offered the following programs:

  • For brands Skoda and Audi used are the annual rate of twelve percent.
  • For vehicles such as Opel, Suzuki, Mitsubishi, Chevrolet and Jilly – twenty-one percent.
  • Annual interest rate for Hyundai and Kia is twelve and a half percent.
  • As for Ford, this is a betting range from one to twelve percent.
  • For Lifan – twenty-one percent.
  • For Lada and Volkswagen – thirteen percent per annum.
  • UAZ, GAZ – fourteen percent.

Interest rates on loans are calculated in accordance with the programme for government subsidies. In the above data rates are also considering them.

There is Also feedback from staff car loan in “Cetelem Bank”.

Requirements to vehicle and client

To get a loan for a car, the client must fit the following description:

  • The Person should be a citizen of the Russian Federation.
  • Required to have permanent residence in the region of location of the branch of the Bank. The presence of the temporary residence permit is suitable only for soldiers, but its duration must not end before the term of the credit agreement.
  • The Client should be from eighteen to seventy-five years.

setelem Bank early repayment of car loan reviews

  • It is Important that work experience was not less than one year, and in addition, people should work on one and the same place for at least six months.
  • You should Also have a positive credit history. The terms of the loan in “Cetelem Bank”you can check on the official site.

To Buy a new car for several programs, without restrictions. But it should be emphasized that the program of preferential car loan state type applies only to cars worth up to one million rubles. Car, the cost of which exceeds that amount, purchased at a standard interest rate of this financial institution, excluding discounts. This is confirmed by reviews about the car loan in “Cetelem Bank”.

Used cars loans, in that case, if the vehicle is not older than five years and issued by a domestic manufacturer. In that case, if the machine was produced by a foreign company, her age for the loan must not exceed ten years.

How to get a car loan in “Cetelem Bank”?

Design

The car loan Procedure involves various steps:

  • The Collection of initial documents necessary for positive decision from the Bank on the loan.
  • Applying and wait until the preliminary decision. Typically, to receive a reply “Cetelem Bank” spend no more than one day. In some situations, the decision is taken for fifteen to twenty minutes.
  • The Process of familiarization with the company's partners from whom you can buy a car.
  • Select the right car and interior.
  • The Procedure for approval of brand, model and value of the car with a credit institution.
  • The contract with the equipment seller on the sale of the vehicle.
  • Payment of the down payment along with the receipt from seller of the securities.
  • Conclusion, car loan contract “Cetelem Bank”. Bail conditions fixed in the loan agreement.
  • Receive the ordered car, his insurance and registration.
  • Transfer credit institution additional documents.

Reviews of loan OOO «Cetelem Bank” at the end of the article.

setelem Bank loans employee reviews

Documentation

To submit an initial application to the Bank, the client will need the following documents:

  • The passport of the citizen of the Russian Federation.
  • Driving licence.
  • In the case if you bought a used car, you will need a certificate of experience, and the size of the official salary of the borrower.

In the framework of the agreement for the loan of the above documents are also attached:

  • Provide copies of the contract for the sale of the car.
  • Help in the form of an invoice on the cost of the machine and produced the additional services.
  • Certificate, which will confirm payment of the original fee.

After the process of registration of the vehicle to the Bank you need to transfer:

  • The Original passport of the vehicle.
  • A copy of the insurance policy CASCO.

Reviews of the staff about the car loan in “Cetelem Bank” many are interested. We too look at.

What information is covered by the contract?

This document includes:

  • The financial institution and the borrower, including various details, such as passport details, including the address and phone number.
  • The amount of credit granted, and in addition, its term and interest rate to be used.
  • The Purpose of credit use of funds "Cetelem Bank” has the right to control.
  • Information about the collateral, i.e. the vehicle indicating the basic engineering parameters, such as, for example, make, model, number and the like.
  • Information about the rights and obligations of the parties, as well as possible action in situations of unforeseen occasions, and in addition, on options for the resolution of certain disputes.

life insurance in Cetelem Bank loan

Life Insurance on car loan in “Cetelem Bank”

CASCO Insurance policy issue at the expense of the vehicle owner. According to the customer the amount of the insurance premium for the first year is included in the total loan amount. In other periods the insurance policy in installments is not allowed. So, for the design of the policy apply to the insurance organization which is a partner of the Bank. The list of such companies can be found on the official website of the institution. In addition, for the procedure the hull is necessary to prepare various documents such as copy of passport of the borrower and car and also the registration certificate of the car.

In the selected organization after submission of all required documents is a contract of insurance between the company and the vehicle owner according to the contract.

Early payoff car loan in “Cetelem Bank” possible. More on that later.

How is the debt paid?

To Pay the debt without Commission as follows:

  • The operators of the savings Bank.
  • Using terminals and ATMs of this institution.
  • Using the «Sberbank».

Paying extra Commission can occur through:

  • Other financial institutions or ATMs.
  • Through Mail of Russia.
  • Through the terminal or purse “Kiwi”.
  • Terminals systems "JCB” and “Rapid”.
  • By deduction of the amount of the monthly paymentspayroll, which is quite convenient for cardholders who are serviced by Sberbank. For this to work you must write the statement according to which, at the date of the required funds will be debited from the account of a payment instrument automatically. In that case, if the required point on the map is not enough cash, then from “Cetelem Bank” you will receive a message asking for the urgent replenishment of the balance sheet.

setelem Bank car loan interest rate

Early payoff car loan in “Cetelem Bank” reviews:

According to the reviews, full or partial repayment of early repayment of the “Cetelem Bank” is only allowed if the coordination of their actions with the organization. For this is required one month before the intended date to apply for the procedure of early repayment to the Bank. The filing of such an application is possible through a personal account on the website, or through connection with a telephone customer service or it can be done in person at a Bank branch. Then remain to be paid to the account number of the credit agreement, the amount required to repay the debt early in order.

It is Important to note that in the quoted amount shall include the outstanding principal balance under the accrued for the past period of interest. When the specified date comes, the funds from the customer's account occurs automatically. Occupying a person reported separately. This is confirmed by reviews about early repayment of the loan in “Cetelem Bank”.

Partial payments to the main credit agreement additional agreement is made, which reflects the change in the monthly payment, due to overpayment interest.

Payment

In that case, if you make a late payment, charge the borrower a penalty, the amount of which is determined by the credit agreement. The process of assessment of penalties occurs until maturity of the necessary debt.

If within thirty days of the borrower who committed the delay will not make the funds necessary to pay the debt on personal account, “Cetelem Bank” has the right to:

  • To Demand from the borrower payment of all remaining debt. About this financial institution must inform you in writing.
  • Transfer the debt to third parties, and various collection agencies.
  • To apply to the court, demanding the withdrawal of collateral car for its further implementation to repay the debt.

It is Important to note that getting a car loan in “Cetelem Bank” is impossible without registration of the hull insurance policy. In addition, you cannot submit the documents for the loan without any initial fee. So, the first installment, typically twenty percent. Thus, obtaining a car loan in “Cetelem Bank” maybe low interest, but with the condition of payment of an initial payment, and filing insurance.

The Bank offers customers a number of different programs, to understand which help experienced staff. A distinctive feature of a credit organization is the ability to get auto loan for a new car while providing minimum number of documents. Find out now that I think about “Cetelem Bank” customers who happened to work with him.

Customer feedback

Reviews of car loan in “Cetelem Bank” presented in a large quantity.

Unfortunately, they are mostly negative. So, people call this the terrible financial structure of the Bank and do not advise him at all to contact. For example, it is told, that when you refinance “Cetelem Bank” calls customers one amount, and when borrowers come to close the debt, they announced the numbers on tens of thousands of rubles more. The rapid growth of debt Bank employees can explain, for example, the price premium for early repayment of the loan. Such violations, according to customers, this facility allows himself even though in the contract of such allowances none is specified.

Reviews on life insurance with the loan in the Bank “Cetelem" negative.

setelem Bank contract loan

In the comments people write that this financial institution clients often prescribes penalties for allegedly late delivered documents comprehensive insurance. And this is happening against the background of the fact that actually all the necessary paperwork has long been sent. In this case, when attempts to contact the client institution's promise to connect with the office worker, and eventually the call just cleared and debited invented the penalty amount is not refundable. It's therefore not surprising that in the Internet there are a lot of unhappy reviews about this banking structure, in which people who have taken a car loan, you can circumvent the Bank side. Give a feedback of employees about the loan in the Bank “Cetelem" Tyumen.

He is Deceiving their clients interest rates. For example, people take a loan at six per cent per annum in compliance with all required conditions. But at the moment of signing the contract interest rate increased sharply in the two and a half times. In such situations, the question borrowers about where the originally promised six percent, the Bank's employees give vague and inadequate answers. Having a similar experience with “Cetelem Bank”, many peopleI believe that this financial institution simply does not value its reputation, moreover, does not appreciate their customers.

In Addition, comments often complained that the Bank's employees are rude to customers when communicating, and many examples related to the loans, confirms once again that this organization is trying to extort money from people.

Thus, relying on the testimonials of people who collaborated with him, we can say that this financial structure is not known for its respect for its customers, so when signing the contract of car loan in “Cetelem Bank” should be well acquainted with all the conditions offered by this financial institution.


Article in other languages:

AR: https://tostpost.com/ar/finance/6512-cetelem.html

BE: https://tostpost.com/be/f-nansy/11643-c-varta-brac-a-takredyt-ad-setelem-banka-vodguk-kl-enta-pracentnaya-st.html

DE: https://tostpost.com/de/finanzen/11645-ob-es-sich-lohnt-ein-auto-darlehen-zu-nehmen-von-setelem-bank-kundenre.html

ES: https://tostpost.com/es/finanzas/11653-si-tiene-que-tomar-el-pr-stamo-de-setelem-banco-los-comentarios-de-los.html

HI: https://tostpost.com/hi/finance/6517-cetelem.html

JA: https://tostpost.com/ja/finance/6513-cetelem.html

KK: https://tostpost.com/kk/arzhy/11646-ansha-alu-a-avtokredit-setelem-bankt-klientterd-p-k-rler-payyzdy-m-lsh.html

PL: https://tostpost.com/pl/finanse/11640-czy-warto-wzi-kredyt-samochodowy-od-setelem-banku-opinie-klient-w-opro.html

PT: https://tostpost.com/pt/finan-as/11634-se-a-tomar-empr-stimo-de-carro-de-setelem-banco-coment-rios-de-cliente.html

TR: https://tostpost.com/tr/maliye/11648-almak-i-in-mi-ara-kredisi-setelem-bankas-m-teri-yorumlar-faiz-oran.html

UK: https://tostpost.com/uk/f-nansi/11646-chi-varto-brati-avtokredit-v-d-setelem-banku-v-dguki-kl-nt-v-procentna.html

ZH: https://tostpost.com/zh/finance/7087-should-i-take-out-a-loan-from-cetelem-bank-client-reviews-interest-rat.html






Alin Trodden - author of the article, editor
"Hi, I'm Alin Trodden. I write texts, read books, and look for impressions. And I'm not bad at telling you about it. I am always happy to participate in interesting projects."

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