Official KIA brand dealers seem to be eager to distribute a real Spectra mania among residents of Moscow and the region. In any case, if someone has already set their sights on this car, now is the time to buy. After all, for example, KIA Spectra with a 1.6-liter engine and a 5-speed manual gearbox can be bought for 379, 000 rubles. ($ 16, 000). By the way, for the same money you can become the owner of a 4-speed "automatic".
But if the situation is suddenly complicated by the lack of the necessary amount, then the official distributor of SOKIA has envisaged a special “credit” rate - the SOKIA Finance program together with Rusfinance Bank and VTB24. It is designed for true adherents of the brand - those who have already accumulated enough to make an advance of 30-50%. During the first summer month there is still the opportunity to apply for such a loan. Moreover, the decision, as promised in car dealerships, will not take long. For example, when working with Rusfinance Bank, you can get a “give / not give out” resolution within one day. A bank representative is usually located at a car dealership. So right on the spot you fill out a questionnaire, submit a simplified package of documents for consideration - again, you only need a passport and rights (or passport, TIN, pension insurance certificate, military ID). True, a military ID must be presented to persons of military age.
Within an hour, your application should be considered. So by evening you can safely expect a call from the bank.
However, you will only become a participant in this high-speed procedure if you are satisfied with the conditions offered by Rusfinance Bank. At 3.9% per annum, a loan for KIA Spectra, which is issued only in rubles, can be issued if you are ready to immediately pay 40% of the cost of the car - 151, 600 rubles. The rest can be returned for a maximum of 2 years. In order to alleviate the hardships of credit oppression, the bank provides for the inclusion of the cost of insurance against damage and theft in credit. But is it better - decide for yourself. Firstly, the hull rate will be fixed at 6.3%. The cost reduction is due to the fact that in this case, an unconditional deductible is required: for insurance in Companion IC - 14, 000 rubles, in Soglasie'BB IC - 15, 000 rubles. This means that if the damage caused to your car falls within the scope of the insured event, but is valued lower than 15, 000 rubles, you will not receive any payments. And when the amount of damage still exceeds the deductible, the compensation will be: the real amount minus the deductible. Secondly, the loan amount is increasing - by almost 24, 000 rubles. And this is if you took a loan for a year. A loan for 2 years implies the inclusion of an additional 6.3% in the amount subject to interest. Thirdly, life and health insurance is mandatory (2% - 7580 rubles), the cost of which will also be included in the loan, and for 2 years this is already 4%. And although Rusfinance Bank does not oblige you, it is necessary to buy an insurance policy anyway - therefore, “fourthly” automatically appears.
Early, without penalties and commissions, you can repay the loan starting from the first day of your loan relationship.
The commission for opening and maintaining your bank account is 3000 rubles. and will be included in the amount of the first monthly payment.
In VTB24, the situation is somewhat more serious. Firstly, not too many car dealerships are cooperating with this bank under the SOKIA Finance program (almost the only one is Eleks-Pole). Secondly, in this package of documents this time includes in addition to a copy of the passport and driver’s license a copy of the work book and a statement of income for the past six months, although in any official or free form. Thirdly, the interest rate will be differentiated depending on the chosen currency (rubles or dollars) and the loan term.
However, the minimum down payment in this case is 30%, and the balance can be paid already in 3 years, there are more opportunities, and, accordingly, there is something to think about.
Be sure to insure your KIA Spectra (full hull and compulsory motor liability insurance). Damage + hijacking will cost about 8.5% of the cost of the car. Deviations in price up or down depend on the age and length of service of the youngest driver allowed to drive. The MTPL policy when registering a car in Moscow (engine power - 102 hp) costs 6, 732 rubles. ($ 285).