Среди многих россиян бытует мнение, что оформлять целевой заем всегда предпочтительней, чем обращаться в банк по поводу получения наличных в долг. Это не так. Причем во всех вариантах долговых обязательств. В том числе и направленных на покупку транспортного средства. В таком случае, естественно, возникает вопрос: что лучше – автокредит или потребительский кредит на машину? Каждая ситуация индивидуальна. Например, для одних клиентов основным параметром будет переплата. Для других – дополнительные нюансы. Поэтому все тонкости стоит рассмотреть последовательно, чтобы получить ответ на вышеуказанный вопрос.
Что выгоднее – автокредит или потребительский кредит
Большая част заемщиков стремятся минимизировать свои затраты от покупки машины в кредит. Поэтому основывают свой выбор на уровне процентной ставки. Это в корне неправильный подход. Важно учитывать, что целевые займы с обеспечением в виде залога приобретаемого транспортного средства располагают другими дополнительными расходами, которые так же, как и комиссия за пользование деньгами банка, уплачиваются клиентом. Поэтому опираться необходимо на показатель полной стоимости кредита (ПСК). Здесь стоит отметить два нюанса.
1. Данный параметр включает в себя не только переплату по процентной части. В нем учитываются дополнительные расходы в виде вознаграждения третьих лиц. Например, оценка залога, его страховка и т.д. Учитывая, что практически во всех коммерческих структурах дорогостоящее КАСКО – обязательное требование для заключения соглашения, уровень процентной ставки и ПСК может отличаться значительно.
2. Основной показатель переплаты обязан разглашаться всеми банками. Он обозначится в процентах годовых. То есть так же, как и ставка. Соответственно, сравнить предложения разных банков не составит труда. Павда, стоит учитывать, что ПСК рассчитывается с условием своевременной выплаты займа – без просрочек и досрочного погашения.
Определить, что выгоднее – автокредит или потребительский кредит, достаточно просто. Для этого можно обратиться к официальной статистике ЦБ РФ. Он контролирует уровень ПСК по всем типам долговых обязательств. Каждые три месяца публикуются данные о максимально допустимой переплате по вновь заключенным договорам для следующего квартала. Например, для автокредитов в июле-сентябре 2018 года она может составлять:
– не более 18,271% при покупке нового транспортного средства;
– до 25,737% в случае приобретения подержанной машины.
Для сравнения достаточно рассмотреть этот же показатель, применяемый к потребительским займам в банках. Будут взяты только те долговые обязательства, срок которых превышает 12 месяцев. Соответственно, переплата не может быть более:
– 23,317%, если сума составляет 100-300 тыс. рублей;
– 20,129%, если объем заимствованных средств превышает 300000 рублей.
Таким образом можно сделать два вывода.
1. Если планируется приобретение нового транспортного средства за счет заемных средств, то выгоднее использовать целевой банковский продукт. Учитывая, что машины без пробега не будут стоить дешевле 300000 рублей, выгода составит ориентировочно 1,86% годовых.
2. В случае с подержанным автомобилем более выгодно запрашивать кредит наличными. Переплата по нему будет на 5,608% годовых меньше. Естественно, если брать в расчет более дорогостоящие машины. Либо на 2,42% годовых – для транспорта с незначительной стоимостью.
Важно отметить, что установка предельных значений ПСК регулятором основывается на среднерыночных показателях данного параметра в предыдущем квартале. То есть вышеуказанные условия не просто теоретически обосновывают выбор, но и соответствуют переплатам, применяемым на практике.
Дополнительные параметры, влияющие на выбор – автокредит или потребительский кредит
Оба рассматриваемых типа долговых обязательств располагают собственными преимуществами относительно друг друга. Для некоторых граждан они могут играть более важную роль, чем переплата. Поэтому их стоит рассмотреть более детально.
Хотя, изначально стоит развеять популярный миф. Он заключается в вероятности одобрения заявки. Как в одном, так и в другом варианте шансы получить положительное решение практически идентичны. Факт применения обеспечения по автокредиту снижает риски невозврата займа. Это в большей степени влияет на максимальную сумму финансирования, но не гарантирует выдачу.
Банку фактически неинтересен сам залог, так как при нарушении условий кредитования возникают дополнительные проблемы. В частности, необходимость изъятия машины, а также ее реализация. Это дополнительные затраты для коммерческой структуры. Причем вырученные деньги от продажи транспортного средства не всегда покрывают всю сумму долга. Соответственно, возникает дополнительная работа по взысканию остатка займа.
Преимущества автокредита
Всего можно выделить три основных пункта.
1. Юридическая чистота. Особенно это актуально при покупке подержанного транспортного средства. Банк никогда не выдаст заем на машину, если она уже находится под обременением. То есть дополнительно проверяется ее юридическая чистота. В случае каких-либо нестандартных ситуаций клиент не останется один. Кредитная организация, которая автоматически выступает залогодержателем, будет на стороне заемщика. В том числе и при судебных разбирательствах.
2. Более выгодное предложение. Это относится к новым транспортным средствам. Причем не только по вышеуказанному среднерыночному параметру ПСК, но и по причине возможного партнерства банка с продавцом. Многие коммерческие структуры разрабатывают отдельные программы кредитования. Например, между финансовым учреждением и концерном, дилером, отдельным автосалоном и т.д. Ставки в таких предложениях могут быть минимальными, доходя до 3-6% годовых. В большей степени это касается премиального класса машин.
3. Большая сумма. Как и указывалось выше, снижение рисков невозврата позволяет предоставить больший объем денежных средств взаймы.
Преимущества потребительского кредита
Рассматривать недостатки данного типа долгового обязательства нет смысла. Они, в сравнении с автокредитами, будут являться противоположностями достоинств целевого займа. Что касается преимуществ, то их так же три.
1. Отсутствие требований к машине. То есть можно купить любой автомобиль, который только пожелает душа. В автокредитах может выдвигаться целый ряд ограничений. Например, по максимальному возврату и пробегу авто, производителю, категории и т.д. Здесь с такими рамками выбора заемщик не сталкивается.
2. Отсутствие обременения. Этот момент положительный не только в направлении возможной продажи машины. Хотя, и реализация залогового имущества достаточно сложный процесс, который требует разрешения банка. Также стоит учитывать частые отзывы лицензий. Если к кредитору применена крайняя мера, то процесс снятия обременения выполняется более продолжительный период. Зачастую он достигает месяца. Идентичное время придется потратить и на получение паспорта транспортного средства (ПТС). Ведь фактически обслуживанием клиентов занимается не сам банк, а его ликвидатор. Даже отделений для обращения может не быть в населенном пункте клиента после отзыва лицензии.
3.Нет первоначального взноса. Оформить кредит наличными можно на всю стоимость машины. Понятно, что есть программы автокредитования со схожим условием. Правда, они достаточно редкие. Да и предоставляются либо отдельным категориям клиентов, либо с ухудшением других параметров займа. Например, с повышением процентной ставки.
Автокредит или потребительский кредит на машину – что лучше
Ответ на данный вопрос может дать только сам человек, планирующий воспользоваться займом для покупки транспортного средства. Хотя, если опираться на все вышеуказанные параметры, в частности, переплату, а также дополнительные нюансы, то можно обобщить ситуации, раздели их на два типа. Зависимость будет только от того, какая машина приобретается.
Если это подержанное авто, то более подходящим будет потребительский кредит, который предусматривает выдачу наличных на руки. Во-первых, по нему меньше переплата. Во-вторых, более широкий ассортимент выбора. В-третьих, отсутствие обременение, что позволяет распоряжаться имуществом так, как это угодно самому заемщику.
В случае с новыми машинами все же стоит оформить автокредит. На первый взгляд экономия на переплате несущественная. Хотя, если брать заем на 5 лет, то итоговая выгода достигнет почти 10%. Также есть вероятность еще больше сократить затраты. Например, воспользовавшись отдельно разработанной программой между банком и дилером, которая предусматривает значительно меньшую ставку, чем в целом по рынку.
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