Specialists of the RGS Bank conducted a survey during which they found out the preferences of the car owners. It turned out that the majority of respondents (56%) planning the purchase of a car are planning to use credit funds. The remaining 44% of respondents want to buy a car on existing savings.
From those survey participants who plan to use borrowed funds, 36% use credit funds. Partially: 24% of them will turn to the bank for the car loan, and the remaining 12% will take advantage of consumer loan. To buy a car completely on credit. At the same time, only 20% of respondents plan: of which 14% will be issued by car loan, and 6% is cash loan.
Note that young survey participants aged 18 to 30 years (24%) are more prepared for the issuance of a loan to the full amount of the acquired machine compared to the older generation (13% of respondents in category 56+). At the same time, men more often than women (49% against 40%) plan to buy a car at their own expense.
Most of the respondents want to take a loan of up to 500,000 rubles - 59% of potential buyers chose such an answer. The loan in the amount of 500,000 rubles to 1 million rubles plan to issue a third of the respondents (33%), 7% of respondents are ready to take 1-1.5 million rubles in the bank and 1% of respondents - over 1.5 million rubles.
Men are ready to draw out loans for large amounts than women. And young people (18-30 years) are more inclined to take loans to 500,000 rubles.
When considering the terms of the loan for the respondents, the low rate (79%) is most important, the lack of collateral (46%) and the mandatory requirement for the design of CASCO and other insurance (40%).
Interestingly, for the surveyed 18-30 years, the lack of initial contribution and insurance requirements (26%) has a more serious importance, for Russians, 31-45 years has been important than the minimum package of documents (38%), and for respondents 31-55 years old - the absence Pledge. The possibility of not making casco is the most significant for men (45%), the lack of the initial contribution - for women (20%).