Car loan best conditions. Where is the best place to get a car loan?

To buy a new car, you have to save money for several years. Buying a used car is also not a cheap deal, and for some Russians, even this option is still in their dreams. Due to the fact that car loans in Moscow allow you to purchase any car without exception, the ranks of the capital's motorists are replenished every year.

What car loans are offered in Moscow?

Let's start with the fact that you can buy a car on credit in Moscow right in a car dealership. As a rule, car dealerships cooperate with 2-4 banks, whose representatives accept and consider applications on their territory. An application submitted in this way shall be considered under the general terms and conditions.

• loan for a new car
• funds for a used car;
• program for the acquisition of a particular brand of car;
• a new car on credit in Moscow on preferential terms with a state subsidy;
• loans for the purchase of cars assembled in Russia.

Car loan in Moscow - conditions and basic parameters

In Russia, established requirements for individuals applying for a loan have long been in effect. They are slightly modified, may differ in different organizations, but in general, Russian banks adhere to this list:

• age: 18+;
• Russian citizenship;
• registration: permanent;
• experience: from 4 months;
• solvency;

Not all banks in 2019 establish a requirement for registration in the area of ​​their location; registration in any region is allowed. The same applies to proof of income. Certificates in the form of a bank or employer, statements of a pension account are accepted for consideration.

You can take a car on credit in Moscow on these conditions:

• an initial payment of 10-50% of the cost of the car or without a down payment;
• interest rate from 14.00%;
• for 5 years;
• without proof of income
• secured by the purchased vehicle and/or other property;
• with bad credit history subject to security.

How to find a loan on the site?

All you need to choose a loan here is to know the amount and period of the loan. In addition, the car loan calculator in Moscow makes it possible (at the request of the user) to look for a loan subject to additional conditions.

A car loan will allow you to become a car owner in the near future without having large savings. Banks offer various lending programs, but they all involve additional costs and interest overpayments. Having studied the information where it is profitable to take a car loan, future motorists save their own money by receiving comfortable conditions repayment of a debt to a creditor.

Features of car loans in Russia

A car loan has a clear purpose, which affects the procedure for coordinating a loan and registering a vehicle.

A car loan differs from a classic consumer loan in several ways:

1. Funds are not given in cash, they are sent to the seller's account (most programs involve buying a car through a car dealership).
2. It is required to pre-pay the first installment for the purchased transport (you must have personal savings from 1/5 of the price).
3. The bank will require registration of it as collateral for the entire term of the loan.
4. In addition to confirming solvency, the bank may need to present a driver's license.
5. The purchased car cannot be sold or disposed of in any other way, and the original of the main document for transport, title, will be kept by the pledgee, i.e. in the bank.
6. Most financial institutions put forward the requirement of voluntary hull insurance, worrying about financial protection in case of damage or loss of a car during the loan repayment period.
7. The target program involves the involvement of three parties in the process of registration: a car dealership, a buyer and a bank.

The above parameters in car loans are quite common, but are not mandatory. If you wish, you can find profitable car loans in banks on the following conditions:

• no down payment;
• without casco;
• without proof of income.

These varieties almost always entail an increase in the interest rate due to the increased financial risk for the lender, which means that the final overpayment on such loans will be higher.

Nevertheless, within the framework of individual programs and promotions, a motorist can be provided with especially favorable offers for car loans with a simplified registration scheme and a minimum rate.

It is necessary to determine the key parameters of the future loan and the ultimate goal: if it is easier to find a loan for a new car, then when trying to get a car loan for a used car, it may be difficult. It is important for the bank that the collateral object has high liquidity, so that in case of problems with debt repayment, the pledgee can quickly and profitably sell the vehicle and close the credit line with the proceeds.

If you plan to take a loan for a used car, you need to be prepared for the fact that not every bank will agree to lend a purchase, so the list of available programs is much smaller.

In the process of studying where it is better to take a car loan, you need to pay attention to the following indicators:

1. The percentage value. The lower the rate, the lower the overpayment for using the loan.
2. The amount of the first installment.
3. Vehicle requirements. At its discretion, the financial institution limits the choice: used, new, domestic cars or foreign cars. The age of the car and its category matter.
4. Documentation package. When issuing funds without proof of income, the bank will take a closer look credit file the borrower, provide a smaller amount, reduce the duration of the loan, require an increase in the share of the down payment, or offer a higher rate.
5. Insurance conditions. From options it may be necessary to issue not only OSAGO, but also hull insurance, personal insurance. If the loan is issued for a long period, the cost of insurance can be quite significant.

In order to attract customers and increase demand for credit services, together with certain manufacturers or car dealers, banks can offer unique options for car loans - with a low rate, a minimum of documents and other interesting conditions. This option is the best way to short term and with the least effort to get the most favorable conditions.

Having studied the offers of banks and their requirements, the borrower determines the most suitable option. In 2018, the future motorist can choose from programs in many large banks and special financial institutions directly related to the automotive market.

If you want to save on interest overpayment, the client draws up a loan at Gazprombank. The interest on a car loan ranges from 12.5-14%. The maximum limit of funds is 4.5 million rubles. The future buyer must contribute part of the funds from personal savings - at least 20%.

A long repayment period (up to 7 years) allows you to take an expensive car with a small monthly payment if the client belongs to the category of permanent ones.

Sberbank's programs provide for the opportunity to acquire a domestic and foreign production with the attraction of borrowed funds in the amount of up to 5 million rubles.

The main parameters of lending:

1. The rate is not less than 13.5%.
2. The term is 60 months.
3. Advance payment from personal funds - from 15%.

Being one of the leaders among representatives of the banking sector working with retail car loans, VTB 24 offers to issue favorable conditions purchase of a foreign or Russian car without requiring proof of income.

Standard conditions:

1. The limit is up to 5 million rubles.
2. Loan duration - up to 60 months.
3. The minimum rate is 14%.
4. A down payment of 15% is required.

Unlike previous lenders, Toyota Bank has a strictly defined specialization and is aimed at issuing car loans for the purchase of expensive foreign cars. Depending on the payment abilities and preferences of the client, the following options are considered:

1. Upon making a 15% down payment, a loan is issued at 15.5% per annum.
2. If you pay in advance ¼ of the cost of the car, the rate is reduced to 14.0%.

To receive a favorable rate, a successful candidate must submit a full package of documentation for himself and for the purchased vehicle.

If there is no desire to take out additional hull insurance, it is recommended to consider the option of an auto loan at Loko-Bank. In addition to the standard offer, it has programs with state subsidies. The car can be purchased without a run through car dealerships or in a used condition.

The minimum rate is assigned depending on the selected parameters - from 13.4%.

The first installment for cars is 25% if the client wants to do without a hull. In other cases, the initial amount is reduced to 20% with a maximum limit of 5 million rubles.

In an effort to get optimal conditions for a car loan, borrowers first of all evaluate the rate.

Financial institutions offer program options, the interest rate for which depends on the requested conditions. If it is important to determine which car loan is more profitable, it is recommended to consider:

1. Credit Europe Bank - from 12.2%.
2. Prime Finance Bank - from 12%.
3. Rusfinance - 13%.

Depending on whether a car loan is issued through a salon or independently, at a bank branch, standard scheme actions will be slightly different. When contacting through the salon, the package of documents is minimal, and the seller's employees help in paperwork.

In general, the future borrower goes through the following stages:

1. Approval of an application for a pre-selected program at the bank (or sending a request through a car dealership).
2. Training required list documents for signing the contract of sale.
3. Making the first installment and providing confirmation papers to the bank.
4. Registration of insurance, collateral.
5. Signing a loan agreement and transferring the remaining amount to the seller's account.
6. The vehicle is registered to the new owner, and the vehicle is deposited with the bank.

An initial fee

When determining where to get a profitable car loan, it must be remembered that the interest rate and the final overpayment depend on the amount of the first installment that the borrower is ready to make. Standard programs provide for the introduction of 20-30% of the cost of the purchased vehicle. If it is not possible to use your own funds, you need to be prepared for an increased rate and more stringent lending conditions.

When studying which is the most profitable car loan you can take on two documents, it should be borne in mind that the loan rate will be higher than in standard offers.

To apply for a loan car, they prepare:

1. Personal documents.
2. Documentation for the purchased car.
3. Contract of sale.
4. Receipt of payment of the first installment.
5. Insurance policy.
6. Certificates confirming solvency.

On the one hand, Casco, issued for the entire term of the loan agreement, significantly increases the total cost of purchasing a credit vehicle, on the other hand, the pledgee will set an increased rate on a loan for which the collateral object is not secured by insurance.

Today, not each of us can find money for a car of the brand that we want. In this regard, most banks offer car loan programs with different interest rates and lending conditions.

Among the wide choice, it is difficult for a potential borrower to navigate and apply for a loan on favorable terms. An overview of the most profitable car loans in 2019 will help you figure out which bank to get a car loan from.

What to look out for

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Each of the banks will assure that it has the most favorable loan terms for purchasing a car. Since competition among banking institutions is quite high, this forces them to regularly update loan programs and supplement them with different conditions.

To choose the best offer for buying a car on credit, you should pay attention to the following aspects:

Broker option

On the financial market brokers (intermediaries) work. With their help, you can get a loan on favorable terms and without hidden conditions.

Using a broker has the following benefits:

• the choice of car loans that best meets the needs of the borrower;
• obtaining a loan for a short or long term;
• the possibility of obtaining an installment plan for a period of one year;
• assistance in preparing the necessary documentation;
• legal advice.

Service fee loan broker carried out only after the loan is issued. The services of a broker have an acceptable price and can significantly save money.

In addition, the borrower receives full legal support for the loan application, which will simplify the collection of documents.

The important point is that brokerage companies have good ties with banks, so requests from them are satisfied in the first place.

The most profitable car loans

Each credit institution offers its own conditions and benefits of car loans. An overview of the main offers allows you to figure out which is cheaper and save time.

Sberbank

This financial institution offers loan programs for both new and used cars. The manufacturer of the car - domestic or foreign - does not matter for obtaining a loan.

To receive a positive response to the application, the borrower does not have to confirm his solvency and employment. The bank issues a loan 5 million rubles for up to five years.

In this case, the credit rate is from 14,5% , and the amount of the initial payment is more than 15% . These two parameters depend on the loan term and additional conditions.

Below are the current loan rates:

Sberbank allocates privileged categories of borrowers who receive an additional 1% discount:

• individuals who have a salary card of this bank;
• pensioners receiving pension payments to the social card of the bank;
• Sberbank depositors.

VTB 24

Bank VTB 24 issues from domestic and foreign manufacturers. To apply for a loan, it is not necessary to present a certificate of employment and a certificate of income.

The loan amount is up to 5 million rubles, the loan term is up to five years. The bank has an interest rate on the loan from 12% and 20% initial payment.

Sobinbank

The bank offers credit programs for the purchase of domestic and foreign cars, both new and used. A prerequisite for obtaining a positive response to a loan application is confirmation of solvency.

Lending is carried out for a period up to 4 years. The maximum loan amount is 4 million rubles or an equivalent amount in a foreign currency.

The loan rate in this financial institution depends on the term of the loan and the amount of the down payment and is 11,5-13% .

Absolut Bank

Offers a wide range of loan programs for buying a car.

The bank lends for up to 5 years and offers to borrow from 100 thousand before 4 million rubles. The initial deposit is at least 15% and depends on the total cost of the car.

The bank satisfies loan applications if the borrower meets the following criteria:

• age 21-60 years;
• has a passport of a citizen of the Russian Federation;
• the length of service in the last holding position is not less than three months;
• general seniority is no less than 12 months.

Gazprombank

The bank cooperates with large quantity car dealerships in Moscow, so there are a wide range of such brands: Mazda, Mitsubishi, Ford, Audi, Chevrolet and others.

A credit institution gives a loan for up to seven years for new car and up to three years for a used one. The minimum loan amount is 0.9 million rubles, maximum - 4.5 million rubles.

When applying for a loan, the borrower must pay a down payment of 15% from the total cost of the car

To receive a positive response to a loan request from Gazprombank, the borrower must submit the following documents:

• Russian passport;
• driver license;
• certificate from the place of work indicating the salary;
• loan application.

In addition, a number of requirements must be met:

• Borrower's age must be within 20-60 years old;
• the borrower must have a permanent residence permit;
• the length of service in the position held must be at least three months.

CASCO and contributions

Clients treat CASCO insurance differently - some believe that it is relevant today, others consider the purchase of insurance a waste of money.

Naturally, a loan without CASCO will cost less, but there are some nuances that you should be aware of:

• increased credit rate;
• the minimum down payment is increased up to 50%;
• one-time loan repayment in case of vehicle theft (this condition is not valid in all credit institutions);
• in case of an accident the borrower himself pays for the repair of his car and the vehicle of the injured party;
• Without auto insurance, you can't get a loan for a used car.

Failure cases

In some cases, banks refuse loan applications.

This can happen for the following reasons:

• income level does not allow you to get a car loan, in such cases it is better to apply for consumer credit;
• when buying a used foreign car that was released more than ten years ago;
• when buying a used domestic car produced earlier than five years ago;
• when buying a vehicle is cheaper 0.2 million rubles;
• refusal to issue CASCO.

Pros and cons

Like any financial service, car loans have their pros and cons. The main advantage is that with the help of a car loan, you can buy a car immediately, paying not the full cost.

The borrower pays the down payment, and the bank pays the rest of the amount. Gradually, the borrower is obliged to return this amount to the bank, taking into account the interest rate.

The benefit of car loans exists when borrowing a large amount. If you save the right amount of money for a long time, then inflationary losses may occur.

Of the minuses, it can be noted that the borrower will have to return a fixed amount of money for many months. As a result, the amount paid, including interest, will greatly exceed the original cost of the vehicle.

Also, over time, a credit institution can lower the interest rate, and the borrower can gently repay the loan at the old loan rate.

For those who have decided to get a four-wheeled friend, the question is relevant: where and how profitable to get a car loan? Maintaining a car involves expenses, and no one would like to overpay too much on a loan.

Today we will consider options - where is it better to take a loan for a car and determine which bank has the most profitable car loan in 2016.

The answer to the task in the first place depends on what kind of car you are planning to buy - new or used. The second important condition is whether the loan will be targeted.

The best loan for a used car

When buying a used car, there are 2 options for obtaining a loan:

• Non-purpose cash loan
• Car loan for a used car

It's no secret that the first option is much, because a targeted car loan from the secondary market implies many conditions and additional costs: the same CASCO insurance "eats" about 10% of the car's value, plus life insurance, restrictions on the age of the car and the need for bail.

For example, we will show several programs for lending used cars:

Rusfinance Bank, the "What You Need" program for domestic used cars

• Rate: 26-27% per annum
• Amount: up to 350,000 rubles
• Loan term: up to 60 months
• Deposit: required
• Car age: up to 10 years

VTB24, Autostandard program

• Rate: from 20.9% per annum
• Amount: up to 3 million rubles
• Loan term: up to 7 years
• First installment: from 20%
• Deposit: required
• Vehicle age: up to 9 years at the end of the loan

• Rate: 26.4-29.4% per annum
• Amount: up to 3 million rubles
• Down payment: 20%
• Loan term: up to 60 months
• Deposit: required
• Car age: up to 10 years

Do not forget to add to all these conditions the cost of CASCO insurance, life insurance, the cost of car valuation.

For comparison, a few conventional consumer loans:

Sberbank, consumer without collateral

• Rate: 15.5-27.5% per annum
• Amount: up to 1.5 million rubles
• First installment: not provided
• Loan term: up to 60 months
• Deposit: not required

OTP Bank, Privilege Corporation

• Rate: from 15.9% per annum
• Amount: up to 750,000 rubles
• First installment: not provided
• Loan term: up to 60 months
• Deposit: not required

VTB24, Large Credit

• Rate: from 17% per annum
• Amount: up to 3 million rubles
• First installment: not provided
• Loan term: up to 60 months
• Deposit: not required

As you can see from the examples, the most profitable loan for the purchase of a used car is a non-targeted cash loan. The interest rate is lower, no insurance costs, the car is not pledged. The benefit is obvious.

New cars

Those who have looked for a new car in the cabin have 3 options:

• Apply for a targeted car loan
• Take a consumer loan in cash
• take advantage special offer official dealer

To show you clearly what is the most profitable car loan for new cars - let's look again real examples. To begin with, let's evaluate the targeted car loan.

VTB24, Autostandard program for new cars

• Rate: from 19.9% ​​per annum
• Amount: up to 5 million rubles
• Loan term: up to 7 years
• First installment: from 20%
• Deposit: required

Alfa bank, car loan

• Rate: from 17.9% to 21.49% per annum
• Rate without CASCO: 22.49% - 25.49% per annum
• Amount: up to 5.6 million rubles
• Loan term: up to 5 years
• First installment: from 10%
• Deposit: required

MKB, "New and used foreign cars"

• Rate: from 16% to 32% per annum
• Amount: up to 4 million rubles
• Loan term: up to 7 years
• First installment: from 15%
• Deposit: required

And now let's compare the conditions with the offers of dealers, at an interest rate:

• Skoda - from 9.9%
• Kia - from 12.67%
• Lifan - from 10%
• Mazda - 15.9%
• Renault - from 7.9%
• Toyota - from 7.5%

Dealer offers, at first glance, seem cheaper. This is true when compared to targeted auto loans. When you calculate the overpayment (with insurance) in comparison with a standard consumer loan, the difference will be small. Here it is up to you to choose - what is more important for you: a dealer car loan offers Better conditions, but the car will be pledged and it cannot be, and the consumer “eats” with interest the benefit that you receive from the CASCO policy.

In our opinion, best bank for a car loan, this is the bank that offers a joint promotion with the manufacturer: for example, now programs really sound tempting - 7.5% per annum for a new Corolla or 7.9% for Logan. Yes, you will overpay about 10% for CASCO, and in the end you will receive the same 17.5-17.9% as for a consumer loan, but at the same time you will know that you are not overpaying the bank, but getting yourself a certain benefit and protection .

For those interested in new domestic cars worth mentioning about government subsidies. In 2016, this program sounds very interesting.

State subsidy for car loans

The purpose of this program is to stimulate demand for domestic producers. It was launched back in 2009, but since then has undergone many positive changes. In particular, the list of car models that can be purchased under the program has been expanded - now it includes not only Lada, UAZ and GAZ, but as many as 50 items, including foreign cars,

• Skoda Octavia, Fabia
• Chevrolet Cruze, Niva, Aveo, Cobalt, C4
• Daewoo Nexia, Matiz
• Ford Focus
• Kia Rio, Sid
• Mitsubishi Lancer
• Mazda 3
• Toyota Corolla
• Renault Duster, Logan, Sandero
• Volkswagen Polo
• Opel Astra
• Peugeot 408, 301
• Nissan Note, Tiada, Almera
• Hyundai Solaris
• And also all Lada
• All models ZAZ, UAZ, GAZ

Please note that some configurations of these cars do not fall under the program due to the cost exceeding 1 million rubles.

Main conditions of the program:

• The cost of the car does not exceed 1,000,000 rubles
• Vehicle weight not more than 3.5 tons
• Machine age - no more than 1 year from the date of production
• The car was not previously registered in Russia
• Down payment - at least 20%
• Loan term – up to 3 years

The meaning of the program is to compensate for part of the interest so that a loan for a new car costs you 8-9% per annum. Here is the formula that is used to calculate:

Rate=bank percentage-(*2/3)

That is, if the bank offers the usual interest of 20%, then with the current key rate of 11%, the formula will look like this: 20-(11 * 2/3) = 12.67% per annum - your program rate.

Buying a car is not a problem now. Even if there is not enough money for a dream car, . It remains only to determine which loan is better to take to buy a car, so that the risks are minimal, the interest is profitable, and the conditions are loyal.

A car loan is an interest-bearing loan that is issued to an individual credit institution for the purchase of a vehicle. Such lending has some peculiarities. It is targeted, since the money is issued for the purchase of a car and it is impossible to dispose of it at your own discretion, and collateral (until the loan is paid, the car is the property of the bank).

What are car loans?

Credit institutions are forced to fight competition and develop new proposals. Of the existing ones, the following stand out the most:

1. Classic credit is the most popular and profitable for most of the population. This program will be given a whole section, because this is the best car loan, according to many.
2. Express lending is issued very quickly, but is characterized high interest. A minimum of documents is required from the client (passport and driver's license), and the process of obtaining a loan can take an hour of your time.
3. BuyBack - that's what it's called loan agreement with buyback. One of the parts loan amount is frozen until the end of the contract and only after that is paid by the new owner of the car or car dealer.
4. Trade-in allows you to exchange old car to a new one. The cost of the old car is deducted from the cost of the new car, the remaining difference is paid by the buyer.
5. Factoring provides for the payment of half of the cost of the car immediately, and the rest is paid in installments without interest.
6. A favorable loan for the purchase of a car is offered by some dealers who do not require a down payment. Such generosity can be seen as a bonus, but in such cases, the catch may lie in other, less favorable conditions for the buyer.
7. A loan without insurance is provided for used cars from foreign manufacturers, the value of which does not exceed 15 thousand in US currency.

For express loans, only a passport and driver's license are required

These loan programs are offered to anyone who wants to buy a car with borrowed funds. Which loan is better to take to buy a car, everyone has to decide on their own, but most often preference is given to the classic one.

Choosing between a loan and car leasing

Loans are well known to everyone, this practice of making expensive purchases without the need for long-term savings is popular all over the world and in Russia in particular. It is a pity that many are somewhat frivolous and frivolous. It is rare that other methods of lending are considered, except for the classical one. But you can choose the best car loan only by comparing several options. We took the most common car loan programs and ran comparative analysis. You just have to make a choice.

Subtleties of classic lending

Not only banks, but also credit brokers can provide funds for the purchase of a vehicle. If the situation with banks is clearer, then questions arise regarding the second instance. Acts as a credit broker commercial organization, which helps a potential borrower with a loan. This is a kind of intermediary that acts on behalf of the buyer.

First you need to choose a car and an organization that will provide funds for this purchase. This is followed by the paper stage - filling out the questionnaire and collecting a package of documents. The borrower will want to make sure that the probability of a return of money is high, for this the client must be solvent and reliable. According to classical lending, a financial institution may think about accepting a positive or negative answer for several days. If the buyer receives approval for his application, then you can proceed to sign the contract. Do not forget to carefully study it, not skipping the text with small print. The agreement contains all the information on credit obligations that are assigned to the client (validity and expiration date, the amount of the first installment and much more useful information). Cooperation between banks and car dealers can be concluded, which will facilitate the search for the buyer.

The budget, which is formed for the purchase of a car, should include an item of expenses for making a purchase and car insurance (OSAGO is mandatory, CASCO is desirable). While the loan agreement is in effect, in fact, the owner of the car is a commercial organization that paid the full cost for it - your lender. Therefore, the sale, exchange or act of donation is excluded until the last payment is paid and the loan is officially closed.

Before applying for a car loan, you should carefully weigh your financial capabilities and income stability. In the absence of at least one payment, the creditor has the right to take the car and terminate the contract.

Car leasing - buying or renting?

In the West, car leasing enjoys good popularity, which can even exceed the usual lending. In Russia, there are much fewer people who want to use such a scheme for obtaining a car without first accumulating money. The essence of car leasing is that the car is taken into possession for a while, while the new, temporary, owner regularly pays for the use of the vehicle.

For a long-term lease, a minimum of documents will be required, on the basis of which you can immediately conclude an agreement. Applying for a loan takes more time and effort. These are not the only advantages of leasing:

1. You can choose any car that the leasing company will buy for you.
2. All issues with registration and car insurance are also decided by the lessor.
3. Payments under a leasing agreement are much less than under any loan program.
4. The amount of regular payments is affected by the initial payment and the residual value.
5. At the end of the contract, you can buy the car or return it to the leasing company.

This option for obtaining a vehicle at the expense of loan funds suitable for those motorists who do not plan to buy a car for a long time.

Consumer loan to buy a car

And why actually a car loan, if you can get a regular one and buy a car for this money. This is one of the options that can also be beneficial for the buyer for the following reasons:

• many dealers encourage customers who plan to pay for cars in cash;
• there is no binding of the dealer to the bank and you have the right to choose on your own where to get money and from whom to buy a car;
• you can not buy CASCO, which is prerequisite many creditors;
• the car immediately becomes your property, which you can dispose of at your discretion.

There are also back side a coin that won't be as joyous. It will be more difficult to issue a consumer loan, since there is no item that automatically becomes collateral. For the same reason, the interest rates will be higher.

If the subject of desire is a new car with a considerable cost, then it is better to issue a car loan. And for buying a used car or a new, but inexpensive model, consumer lending is suitable.

What will be the best car loan for you, no one can say for sure. A thorough analysis of existing offers, standard logic, an analysis of the purposes for which a car is purchased, and a real assessment of one's financial capabilities - this is an exemplary mechanism for finding the optimal loan program.