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Car loan for UAZ UAZ credit UAZ patriot car loan under the state program

Buying a new car can be quite profitable, even if you don’t yet have extra funds at your disposal. Thus, it is much more profitable to buy a UAZ on credit. Moreover, the domestic auto industry produces quite compact and functional cars, which are also distinguished by their unusually harmonious exterior. The Khimki car dealership provides optimal conditions for those who decide to purchase a UAZ on credit.

How to buy a UAZ on credit?

It is possible to purchase a UAZ on credit in Moscow for a period from 6 months to 8 years with the possibility of considering your application based on your personal parameters. Also, if you already have a vehicle at your disposal, you can profitably trade it in under the Trade-in program as a down payment. Thus, you will pick up a new car from the dealership right on the day you apply; the approval rate for these offers is quite high. UAZ Patriot on credit without a down payment is also available to those who simply have a stable income.

It is possible to buy a UAZ in Moscow on credit using the following advantages:

  • possibility of early loan repayment without commission;
  • loan rate from 1.9% throughout the entire loan period;
  • the possibility of purchasing a UAZ Patriot car on credit without a down payment;
  • the client chooses the loan period depending on the optimal offer;
  • The maximum loan amount when purchasing a UAZ car on credit without a down payment is up to three million rubles.

Is it possible to buy a UAZ on credit in Moscow right now?

Since not every car enthusiast can buy a UAZ without a loan, the Khimki car dealership is ready to offer you a reasonable lending system that is understandable and transparent for all categories of clients. Thus, you can submit an application to several banking services at once without visiting each of them personally. Thus, fill out your personal information on a convenient page and start searching for the best offer. To do this, you are also provided with a free consultation with a manager who will answer any controversial question. To apply, you only need a passport and income certificate.

Buying a UAZ Patriot on credit is a worthy male choice of SUV for those who want to buy a foreign car of a similar class for an amount of more than 1,000,000. A UAZ Patriot car loan will be beneficial for those who have skills in handling equipment.

You can compare the Patriot to a hobby, like a car. It’s not for nothing that there are clubs of UAZ Patriot lovers and admirers in every region.

UAZ - cash loan from a bank or car loan

For many, when deciding to buy an UAZ, the question arises - take a cash loan from a bank, or get a car loan. There is no clear answer here. Judge for yourself whether a cash loan or consumer loan has a limit on the amount. In other words, the amount of such a loan from a bank may not be enough to purchase a UAZ Patriot for cash.

Then you will still have to apply for a car loan for a UAZ Patriot. Most car enthusiasts do not trust car loans, or are simply afraid of getting into debt with the bank. This is a completely vain misconception, because with a reasonably designed car loan, the amount of interest paid will not exceed the natural increase in the price of the car.

In other words, if you take out a car loan, say for 5 years, then you will pay it off at the price and at the interest rates that were agreed upon at the time the loan was issued.

How much will, for example, UAZ Patriot cost in 5 years? Hard to say. This is a kind of answer for those who dream of saving up their funds to buy a car.

Thus, you can save for a long time and, in the end, it turns out that your savings are only enough for your dreams.

Car loan UAZ Patriot

The legendary Russian, and now Russian UAZ can be purchased at a minimum price of 543,000, and a maximum of 725,000 for a fully equipped diesel version.

For a car loan for the purchase of a UAZ Patriot, it is most profitable to apply to banks that began cooperation with the Ulyanovsk Automobile Plant during the launch of the state car loan program, through subsidies to cover part of the interest.

After the end of the crisis period in the economy, the state program was suspended, but cooperation between banks and UAZ continues. These banks include:

  1. Rosselkhozbank,

In addition to the indicated banks, you can buy UAZ Patriot on lease through the Sollers-Finance company. This is a joint structure of SovcomBank and Sollers OJSC, which finances the purchase of UAZ cars on lease and car loans.

You can always find detailed and up-to-date information about interest rates and rates on the websites of listed banks or UAZ dealerships in your region.

Almost every year there is a dealer discount on cars of the previous year of production, which allows you to get and save money.

For example, in 2013 there is a discount on the UAZ Patriot produced in 2012 for PTS in the amount of 25,000 + free.

UAZ Patriot model update

In the summer of 2012, the Ulyanovsk bestseller UAZ received updated versions. The appearance of the Patriot remained unchanged, but the interior has changed.

The model received:

  • new four-spoke steering wheel,
  • new devices,
  • layout of the front panel with a new radio.

The soft plastic of the front panel has become more pleasant to the touch, and the total number of panel design elements has been reduced by a third, which has significantly reduced the possible squeaks and cracks of the panel when moving.

Another innovation is a climate control system from a German company with electric dampers and a modified design of air ducts. Previously, the damper drive was cable driven, but the electric drive allows for more precise adjustment of the selected temperature regime.

The upholstery of the interior and doors has a combined version in the top-end configuration.

The UAZ Patriot configurations have been revised:

  1. Radio, electric drive and heated mirrors, front beet lifters - basic equipment.
  2. Air conditioning, leather seats and folding benches for the 9-seater version of the cabin - top-end equipment.

The UAZ Patriot update did not affect the design of the car. This is still:

  • Full size SUV with frame platform,
  • The rear axle is always on,
  • The front axle is connected independently,
  • The front and rear axles are not split,
  • Patriot suspension on springs and leaf springs.

The engine is installed in two options:

  1. Gasoline - ZMZ 409, 128 hp.
  2. Turbodiesel - ZMZ 514-32, 114 hp, which replaced the Italian IVECO power unit.

5-speed gearbox, Korean company,

Headlights, generator, starter - Bosch,

The warranty on the UAZ Patriot is quite global - 3 years of operation or 100 thousand kilometers.

UAZ Patriot from the driver's point of view

The fact that this is a serious car is indicated by the hard clutch pedal.

The first impression of a trip to the UAZ Patriot and its interior is a high seating position and a wide viewing angle.

The connection with the road and the steering is not immediately felt. The Patriot has power steering.

The suspension is very energy-intensive, capable of smoothing out both large and small irregularities on the road, but at the same time the car sways noticeably due to its size.

You need to get used to the operation of the gearbox, as, indeed, to all equipment.

You can immediately feel the power of the engine, but there is no strong noise in the cabin when the engine is running. The sound insulation of the cabin has noticeably improved.

To put it simply, the UAZ Patriot is a car on credit for real men:

  1. The car captivates with its size,
  2. The visibility from the cockpit seems very high.

It may feel like you are driving a diesel tractor. When driving, there is a feeling that the car is capable of being in motion for a long time. At the same time, it will not cause inconvenience to the driver due to uneven road surfaces.

The dimensions of the UAZ Patriot are well felt due to the full visibility of the hood, large interior windows and sufficiently sized rear view mirrors.

The Sberbank car loan calculator for UAZ is a valuable assistant in calculating the amounts of monthly payments and overpayments on a car loan, thereby you can find out which loan product is most profitable for you without leaving your home and without the help of a loan specialist.

Sberbank carries out car loans for the purchase of new UAZ cars on preferential terms within the framework of the state program for subsidizing car loans. This state program applies to new cars whose cost does not exceed 600,000 rubles; its essence is that 2/3 of the Bank of Russia refinancing rate, which is in effect at the time of concluding the loan agreement, is deducted from the interest rate on a car loan. The state pays this part of the interest on its own, thereby reducing the Borrower’s expenses for paying interest on the car loan. For example, at the time of concluding a loan agreement, the refinancing rate is 8%, which means the amount of the subsidy will be: 8 – 2/3 = 5.36% of the loan rate. That is, if the Sberbank interest rate is 16%, the Borrower will pay only 10.64%, and the state will pay 5.36%.

Model range of UAZ cars:

  • UAZ Patriot (from 573,000 rubles);
  • Pickup (from 573,000 rubles);
  • Hunter (from 430,000 rubles).

Commercial and special vehicles are also produced. When purchasing a car manufactured in 2012, a discount of up to 25,000 rubles is provided, and there is also a promotion - “Option as a gift” in the amount of 5,000 – 15,000 rubles.

For those wishing to apply for a car loan for a UAZ car at Sberbank, there are certain requirements:

  • The minimum age of the Borrower is 21 years;
  • Availability of a permanent and official place of work and income;
  • Citizenship of the Russian Federation.

The Bank can make a decision on a loan only if it has all the necessary documents submitted by the Borrower:

  • Passport;
  • A copy of the work record (certified by the employer);
  • Certificate confirming income;
  • Second document (TIN, driver's license).

After Sberbank makes a positive credit decision, you need to contact the UAZ dealership and conclude an agreement for government subsidies and make an advance payment.

At Sberbank, when making a 30% down payment, it is not necessary to confirm your financial status.

Conditions for car loans for UAZ cars at Sberbank:

Since the purchased car acts as collateral for a car loan, the Bank’s obligatory condition is to insure this vehicle, thus you need to pay for a CASCO policy. This can also be done using borrowed funds, by including the amount of the insurance premium in the loan amount.

If the Borrower receives income on a Sberbank card, then the interest rate is reduced by 1 percent (except for a loan under two documents).

The loan is issued without a commission; early repayment of the loan is also allowed without charging a commission.

In order to make the necessary calculations, fill out the table form below.

Domestic SUVs are much more affordable in price than their foreign counterparts, which is why UAZ cars have been in stable demand among the Russian population for a decade now. But since “more accessible” is by no means equivalent to the concept of “cheap,” most Russians interested in a UAZ car do not have enough funds to purchase it. To the attention of such connoisseurs of products of the domestic automobile industry, Russian banks offer a variety of targeted programs, within the framework of which you can get car loan for UAZ.

Until the end of this year, the most affordable car loan for the Patriot and other UAZ models can be taken out under the state program. Loans for cars marked “State program / State support” are issued within the framework of preferential car loans from the Ministry of Industry and Trade, that is, with a discount of 2/3 of the refinancing rate of the Central Bank of the Russian Federation.

Currently, rates on preferential car loans for new UAZ cars vary between 8.33-13.34% per annum. The lowest rates are provided for loans from Credit Europe Bank and Expert Bank.

How to get a car loan for a UAZ at 0%

You can get a loan for a UAZ car on the most favorable terms through an affiliate program, in which the manufacturer, in addition to the bank, takes part. The automaker offers the population the opportunity to get a loan without overpayment, provided it is issued under a state program.

According to calculations by a company that sells UAZ cars, a client can take out a loan on such favorable terms through a trade-in program. By taking out a loan for a period of 3 years with a down payment of 20% and CASCO, the borrower can compensate the interest paid to the bank with the discount received for exchanging an old car.

A discount from the manufacturer will definitely not cover all the costs of a car loan, especially the price of an expensive CASCO policy.

You can get a UAZ Patriot car on credit either under the Trade-in program, receiving a discount of 70 thousand rubles, or in the usual way - without returning the old car and benefits. The banks Cetelem and VTB 24 take part in the manufacturer’s partner program.

If the client has an amount of 30% of the cost of the car, he can receive a subsidized loan from Cetelem LLC at 12.17-12.67% (classic or term loan). The rate for the affiliate program without government support in this bank is significantly higher - 21-21.5% per annum.

If there is a down payment of 20% on a UAZ Patriot car, VTB 24 bank is ready to issue a loan - at only 12.57-13.57% per annum.

Used UAZ Patriot car on credit

Car loans for used UAZ Patriot are issued only according to standard programs - without any discounts from the manufacturer or support from the state. The cost of such loans varies from 14.5-15% (at Pochtobank and CB Center-Invest) to 32% per annum (at Intekhbank or MKB).

Rates on car loans increase in the absence of a CASCO policy, but can be reduced if the client is ready to take out personal insurance. Their size is also affected by the down payment, the minimum amount of which in different banks is 15-50% of the price of the vehicle.

Happy clients from Krasnodar bought a Changan car at the VitaAuto auto center

My wife and I decided to come to Moscow to buy a car. We came for another car, but thanks to Dinar, who set us on the “true path,” we bought a completely different car with excellent equipment. We are grateful to the entire team, especially manager Dinar, who spent the whole day with us. And now we will finally go home in a new car. Thank you very much, it was a pleasure working with you.

Positive feedback from a client from Nizhny Tagil. September 2019

Today I came to the Vita Auto company

Happy owners of Changan CS35 Plus. Part two

I join the words that have already been said. And I’ll add this little... Dinara, Andrey, well done guys! Then I saw people there who were selfless about their work. In general, well done! The whole salon is great! Just.. Well, going up to the second floor, we met the head of the credit department, Lena, who had already fought with the banks for us, she did everything she could for us. More than we expected. There were no questions at all in this salon. Well done! Lena is standing next to me, smiling, she says thank you to us, we say thank you to her. In short, we are happy with this salon and this place. Keep working like this!

Customers express their gratitude to the employees of the VitaAuto car dealership. September 2019

They helped with the car! Thank you very much to Dinar for the good advice and thank you very much to Timur Alievich! All the best. Wonderful salon!

Client's gratitude for help in choosing a car. August 2019

Happy owners of Changan CS35 Plus. Part one

Thank you very much for your competent help and support! They treated us very attentively. We may have spent a long time in the salon, but we left with our purchase joyful and happy! Thanks a lot!

Positive customer review for the Vita Auto salon. August 2019

The car was purchased at the Vita Auto showroom. The choice was not accidental; I was impressed by the reviews on the Internet. I arrived at the car dealership and appreciated the attention to my wishes from the car dealership managers and the credit manager. I would especially like to note the attention of Renat and the credit department manager Marina. I'm happy with the purchase and will stay with the car.

Happy owner of a new car. July 2019

Thank you to the Vita Auto dealership for providing me with the car!

Positive review about Vita Auto. 08/06/2019

Thank you very much to the car dealership for the consultation and selection of the car. Directly to manager Sergei Morozov. Hopefully not the last car! Thank you all very much!

Maria picked up a wonderful gift for the New Year at the VitaAuto car dealership

We bought a Hyundai Creta car at the VitaAuto car dealership. I was very surprised by the pleasant attitude, care for the client and attention from the company. I would like to express special gratitude to Artem for his professionalism, humanity and positivity. They picked out the car that we had only dreamed of. This is a wonderful gift for the New Year!!! Thanks to the VitaAuto car dealership and people like Artem! Good luck! Happy New Year!

Customer's gratitude to the Vita Auto auto center. 09/08/2019

We visited the Vita Auto salon. Renat helped us with choosing a car. Thank you very much!

The happy owner of a new car expresses gratitude to the Vita Auto car dealership

Good afternoon Today, July 26, I bought myself a car at Vita Auto. I hope that she will not let me down, the consultant served me with a bang. Sergey, good luck to you! Thanks to all!

Irina from Penza purchased a Hundai Greta car at the VitaAuto dealership

Many thanks to the manager Artem for his friendly attitude towards customers. We came with the whole family from Penza and plunged into an atmosphere of attention and care. Artem competently explained to us which car and which configuration is better to choose! Thank you very much for your care and attention, we wish him good luck and success in life!

Feedback from a buyer from Moscow who bought a car at the VitaAuto auto center at a good discount

I came to the VitaAuto auto center to pick up a new car. Thanks to manager Denis! He was always by my side and I didn't feel abandoned. The auto center has a very pleasant atmosphere and team. Everything was done amazingly: I came for one car and chose another - many thanks to Denis for this. They gave us a lot of gifts: tires, mats, a driver's kit, and an MTPL policy. Thank you for your warm welcome!

Olga thanks the VitaAuto car dealership for purchasing DongFeng