Auto loans and auto shop.

For a potential borrower Union Bank of car dealers apparently differs from the usual pre-crisis pattern: no bank staff in the salon. The fact that previously, given the number of people willing to get a loan, the question is the speed processing, and today sales salons do not require the presence of bankers. Therefore, the borrower or simply come to the bank and arrange the loan yourself, or leave an application for credit in a special showroom manager, who handles the application using the software of the bank. But the biggest surprise of such programs for potential borrowers - are the best conditions for the loan, in particular, low interest rates, not only nominal but also real, given the bank commissions. For example, according Prostobank.ua, as of 02.11.2009 could take credit for a year at the Subaru and Renault just under the 4.62% real per annum (with an advance of 50% INDEX-BANK), and on this list interesting suggestions are not exhaustive. "For the bank, in the first place, it is interesting that such cooperation shall reimburse the auto show him part of the interest rate, thereby making a bank loan for the client more attractive. With regard to car dealers - they get extra sales. Benefits for dealers in cooperation with the banks were now more than ever obvious, because after the termination of credit sales have fallen dramatically, "- explains Anton Shaperenkov, Head of product development for retail business VAV Bank.