Калининградский филиал Россельхозбанка выдал первый льготный автокредит
Калининградский филиал Россельхозбанка приступил к выдаче населению льготных автокредитов. Первый кредит был выдан 5 мая текущего года.
Все документы от заемщика были приняты 27 апреля. Житель Калининграда стал обладателем нового автомобиля «Lada Kalina» стоимостью 337 тыс. рублей. Сумма кредита составила 235 тыс. 900 рублей. Ежемесячный платеж - около 9000 рублей. Срок окончания кредита - декабрь 2011 года.
Программа кредитования населения на приобретение легковых автомобилей, произведенных на территории Российской Федерации («Автокредит»), была введена в действие ОАО «Россельхозбанк» в начале апреля.
Процентная ставка по кредиту, действующая в Россельхозбанке, установлена в размере 18% годовых. При этом фактическая процентная ставка кредитования для заемщика - 9,67%. Ее размер определяется в виде разницы между действующей ставкой по кредиту «Автокредит» (18%) и размером скидки, которая составляет две третьих ставки рефинансирования Центрального банка Российской Федерации, действующей на дату выдачи кредита. В настоящее время, при действующей ставке рефинансирования ЦБ РФ 12,5 %, скидка составляет 8,33%.
Все документы от заемщика были приняты 27 апреля. Житель Калининграда стал обладателем нового автомобиля «Lada Kalina» стоимостью 337 тыс. рублей. Сумма кредита составила 235 тыс. 900 рублей. Ежемесячный платеж - около 9000 рублей. Срок окончания кредита - декабрь 2011 года.
Программа кредитования населения на приобретение легковых автомобилей, произведенных на территории Российской Федерации («Автокредит»), была введена в действие ОАО «Россельхозбанк» в начале апреля.
Процентная ставка по кредиту, действующая в Россельхозбанке, установлена в размере 18% годовых. При этом фактическая процентная ставка кредитования для заемщика - 9,67%. Ее размер определяется в виде разницы между действующей ставкой по кредиту «Автокредит» (18%) и размером скидки, которая составляет две третьих ставки рефинансирования Центрального банка Российской Федерации, действующей на дату выдачи кредита. В настоящее время, при действующей ставке рефинансирования ЦБ РФ 12,5 %, скидка составляет 8,33%.
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