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Произведем с точки зрения выгодности для заемщика сравнение кредитов без справок о доходах и поручителей, которые предоставляют следующие банки: «Хоум Кредит», «Ренессанс Кредит», Банк Москвы, Юни Кредит Банк и Совкомбанк.
Представленные ниже кредитные продукты указанных банков объединяет то, что для их получения от заемщика не требуется предоставления документов, подтверждающих его доход от трудовой деятельности. Также по данным кредитам не требуются поручители, а обеспечение возвратности кредита осуществляется за счет введения банками штрафных санкций.
С точки зрения заемщика наиболее выгодным для него является кредит с минимальным значением расчетной процентной ставки, которая равна выраженному в процентах отношению итоговых обязательных затрат на обслуживание кредита к сумме средств, получаемых заемщиком на руки.
Рассмотрим факторы, которые определяют стоимость кредита без справок и поручителей.
На своих сайтах и в рекламных материалах банки приводят значение процентных ставок по кредиту. В данной статье сравниваются рублевые кредиты, получаемые заемщиками наличными. В том случае, если процентная ставка устанавливается банком в пределах некоторого диапазона значений, то для сравнения принимается максимальное значение ставки. Это связано с повышенным риском возвратности кредитов для заемщиков, не предоставляющих документального подтверждения наличия регулярных доходов.
Однако надо иметь в виду, что одними процентными платами за пользование кредитом без справок и поручителей не исчерпывается затраты по его обслуживанию. Банки, нередко пользуются этим, заявляя достаточно низкие значения процентных ставок, но в то же время вводят различные платы, которые обеспечивают для них дополнительную прибыль – страхование заемщика, различные комиссии и штрафные санкции.
Несмотря на то, что страхование заемщика является добровольным, в случае предоставления кредитов по минимальному набору документов, которые фактически только удостоверяют личность заемщика, но не его платежеспособность, банки настойчиво продвигают услугу страхования заемщика. В случае отказа заемщика от участия в программе страхования многие банки автоматически повышают процентную ставку по кредиту на величину, сопоставимую со страховой комиссией. Данное повышение процентной ставки противоречит добровольности страховании рисков жизни и здоровья заемщика, однако направлено на то, чтобы сделать экономически нецелесообразным отказ заемщика от страхования. Поэтому при сравнении кредитов без справок и без поручителей мы включаем страхование заемщика в состав необходимых затрат.
Страховая комиссия увеличивает стоимость кредитования для заемщика. Однако влияние страхования на удорожание кредита определяется не только величиной страхового тарифа, но и способом удержания страховых выплат. Наиболее затратным для заемщика является способ начисления страховой комиссии, когда вся она рассчитывается от суммы кредита и выплачивается единовременно при зачислении денег на счет заемщика. При этом страховая комиссия увеличивает сумму кредита. В дальнейшем на данную комиссию также производится начисление процентов по ставке кредитования.
Более выгодным для заемщика является вариант, когда страховая комиссия выплачивается ежемесячно в составе регулярного платежа. В этом случае страховая комиссия начисляется на сумму остаточного долга и не увеличивает сумму предоставленного кредита. Соответственно, при таком способе уплаты страховой комиссии на ее сумму не производится начисления процентов за пользование кредитом.
На стоимость кредита влияют комиссии за его выдачу, а также комиссии за выдачу наличных средств со счета.
Комиссии по кассовым операциям при приеме наличных денег в кассу банка для оплаты кредита не учитываются в составе необходимых затрат, поскольку обычно имеются альтернативные возможности внесения платежей.
Комиссии за досрочное полное или частичное погашение кредита у рассматриваемых банков отсутствуют.
При определении расчетной процентной ставки штрафные санкции не учитываются, поскольку не являются неизбежными затратами. Однако в случае близких значений расчетных ставок штрафные санкции могут быть приняты во внимание в качестве дополнительного аргумента в пользу выбора кредитования в том или ином конкретном банке.
Далее для кредитных продуктов сравниваемых банков приведены условия, которые оказывают влияние на величину расчетной процентной ставки по кредиту.
Сумма займа – от 50 000 до 850 000 рублей.
Годовая процентная ставка установлена в размере 19,9%.
Для получения кредита необходимо предоставить паспорт, 2-й документ, удостоверяющий личность, а также документ, подтверждающий платежеспособность, в качестве которого может выступать оригинал выписки по зарплатному счету за последнее 6 месяцев, оригинал ПТС либо свидетельства о регистрации автомобиля на имя заемщика, страховой полис КАСКО и другие.
Страхование не является обязательным условием предоставления кредита, но сотрудники банка настоятельно рекомендуют воспользоваться этой услугой. Страховые тарифы для кредитов наличными колеблются в диапазоне от 0,18 до 0,5% в месяц. Таким образом, при сумме займа 100 000 рублей страховой взнос за год составит максимум 6 000 рублей.
Применив к сумме кредита со страховкой 106 000 рублей процентную ставку 19,9% при сроке кредитования 1 год, мы получаем величину ежемесячного платежа – 9821 рублей. Общая переплата с учетом страховки за год составит 17 852 рублей.
Начисление штрафов начинается с 10-ого календарного дня от даты образования просроченной задолженности в размере 1% от размера долга за каждый день его существования.
Кредит предоставляется в сумме от 30 000 до 500 000 рублей.
Годовая процентная ставка составляет от 15,9% до 31,5%.
Для получения кредита потребуется паспорт и 2-й документ на выбор (загранпаспорт, водительское удостоверение и другие). Страхование жизни и здоровья проводится на добровольной основе, при этом размер страхового взноса устанавливается индивидуально для каждого заемщика (до 1% ежемесячно). Таким образом, максимальный размер страховки при сумме кредита 100 000 рублей достигает 12 000 рублей ежегодно.
Соответственно, при сумме займа со страховкой 112 000 рублей, сроке 1 год и минимальной процентной ставке 15,9% величина ежемесячного платежа составит 10 150 рублей. Общая переплата по кредиту за год – 21880 рублей.
Неустойка по пропущенному платежу начисляется на сумму просроченного основного долга в размере 0,9% за каждый день просрочки, за вычетом годовой процентной ставки из расчета за 1 день.
ВТБ Банке Москвы.
Сумма кредита – от 50 000 до 150 000 рублей.
Годовая процентная ставка установлена в диапазоне от 16,9% до 26,5%.
Для получения кредита потребуется паспорт и 2-й документ, подтверждающий личность.
Страхование является добровольным, стоимость страхования рассчитывается индивидуально для каждого клиента, в зависимости от срока и размера страховой суммы. Тарифы страхования на сайте банка не раскрываются.
Применив к величине кредита 100 000 рублей процентную ставку 19,9% при сроке кредитования 1 год, мы получим сумму ежемесячного платежа 9 259 рублей. Общая переплата за кредит вместе составит 11108 рублей (без учета суммы страховых взносов).
Сумма кредита – от 40 000 до 200 000 рублей.
Годовая процентная ставка составляет 12,5% для женщин и 12,9% для мужчин (акция будет действовать до 31-ого марта 2014 года).
Для получения услуги необходим паспорт и 2-й документ, подтверждающий личность. Страховка оформляется по желанию заемщика. При включении заемщика в программу финансовой защиты (страхование) размер платы составит 15%, таким образом, при сумме 100 000 рублей страховка будет стоить 15000 рублей (единовременная выплата) .
При сумме займа 100 000 рублей, срокедоговора 1 год и процентной ставке 26,9% размер ежемесячного платежа будет 10575 рублей, а общая переплата, вместе со страхованием, обойдется в 41900 рублей за год.
Штрафные санкции при несвоевременной оплате кредита составят 1 100 рублей, но не более 50% от суммы просроченной задолженности после 5-ого дня просрочки.
Сумма кредита – от 60 000 до 700 000 рублей.
Годовая процентная ставка составляет от 19,9% до 26,9%.
Для получения кредита потребуется паспорт и загранпаспорт (отметка о пересечении границы РФ должна быть не старше 6 мес.) Страхование жизни и трудоспособности является добровольным, но отказ от него повлечет за собой увеличение процентной ставки. Страховой тариф равен 0,2% от суммы заемных средств за каждый месяц действия кредитного договора. При сумме кредита 100 000 рублей страховка будет насчитывать 2400 рублей ежегодно.
Таким образом, при величине кредита с учетом страхования 102 400 рублей, сроке кредитования 1 год и минимальной процентной ставке 19,9% размер ежемесячного платежа составит 10 231 рублей, а общая переплата – 22 777 рублей.
Штраф за несвоевременное погашение задолженности — 0,5% в день от суммы просрочки.
Полученные в процессе расчетов данные представлены в таблице.
Сумма переплаты за год (с учетом страхования), в руб.
Рейтинг выгодности кредита.
ВТБ Банк Москвы.
Хоум Кредит Банк.
Как мы видим, низкие значения процентных ставок еще не говорят о том, что кредит будет выгодным для заемщика. Чаще всего, это очередной маркетинговый ход, цель которого привлечь наибольшее число клиентов.
Источники информации: сайты банков, расчеты автора.
ТОП банков:
Кредиты в Москве:
Рекомендуем:
Банки Москвы – адреса и телефоны филиалов и отделений.

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