Редакція dev.uaMoney
4 March 2025, 10:00
2025-03-04
Dream car for IT people: what is it, where to look for it, and where to get 1 million UAH for a car per day
During the war, it became absolutely clear to a significant number of Ukrainians that having their own car is a guarantee of mobility, and therefore a certain degree of security. The full-scale invasion became a catalyst for citizens to purchase cars from both car dealerships and used cars, which are much cheaper than new ones. dev.ua found out whether IT professionals buy cars on credit, whether they are considering purchasing a used car, which vehicles programmers consider the best for themselves, where they usually look for them, and on what terms they are willing to buy.
During the war, it became absolutely clear to a significant number of Ukrainians that having their own car is a guarantee of mobility, and therefore a certain degree of security. The full-scale invasion became a catalyst for citizens to purchase cars from both car dealerships and used cars, which are much cheaper than new ones. dev.ua found out whether IT professionals buy cars on credit, whether they are considering purchasing a used car, which vehicles programmers consider the best for themselves, where they usually look for them, and on what terms they are willing to buy.
What car would IT people choose if they were considering buying on credit with a small budget?
According to the survey results, over 60% of IT professionals who participated in the study, having a small budget for buying a car, would consider buying a used car on credit. At the same time, 38,6% of respondents are ready to turn to a bank for financial support exclusively for a new car, even with minimal equipment.
The most popular platforms for searching for used cars among respondents are:
Author.
rst.ua.
Thematic Telegram channels.
OLX.
PlanetAuto.
However, among the respondents there are also those who choose a car on platforms such as vidi-automarket, «HapayAvto», or on car parks at banks (auto.privatbank.ua). Some respondents consider the Ponova by OTP Bank marketplace, which has more than 200,000 used cars available for purchase on credit, to be a convenient tool for finding a vehicle.
But this is what IT specialists' wishes look like regarding the term of credit for purchasing a car.
The key characteristics for choosing a used car, IT people call (in order of popularity of answers among respondents):
Run.
Age of the car.
Technical condition of the vehicle.
No accidents.
Equipment.
Experts also pay attention to the safety integrity of the car, engine power, maintenance history, maintenance costs, the rate of depreciation of the car, as well as the previous owner.
We also asked IT professionals what car they consider ideal for them. Here are the 10 most interesting comments.
In fact, it’s not one car, but two or even three. The most versatile is a real German tank Audi a6 Quattro or Touareg. Each car has its flaws, but the Germans do cool things.
A universal car for all occasions (family trip, highway driving, small off-road, city driving, sometimes active driving) — something like Audi Allroad, VW Passat Alltrack 200-250+ hp.
SUV Body Models: Toyota RAV4 from 2019 (hybrid), Mazda CX5 from 2018 (ideal), as a family car and a car for trips when small city trips are not a priority — Volvo XC-90 (from 2018).
Coupe with sunroof/panoramic roof or convertible, with a powerful engine, rear-wheel drive or all-wheel drive.
The new Nissan X-Trail is the best balance of price, quality and cross-country ability. Just right for the city.
Crossover, reliable engine and transmission, aesthetic interior, good materials, high-quality music.
Hybrid, urban SUV, with safety systems.
Mercedes C-Class Coupé. Or the new CLE Coupé, fresh, in a new body, from the salon. Alternatively, its competitor is the new BMW M4 Coupé. This is if we take young developers. If the developer is more Gen-X, then it is necessarily some reliable Volkswagen.
An urban crossover, spacious interior, large trunk, average+ equipment, as economical as possible. The diesel KIA Sportage is it.
At the same time, most respondents are not ready to buy electric cars with mileage, as they consider them unreliable, with an exhaustible resource, and also point to problems with the charging infrastructure for electric cars in some regions. However, some of the study participants are ready to buy a Tesla with a battery with a resource of at least 80–90%.
very fast financing processing — decision on granting a loan within one business day;
simple online calculation to determine your personal car limit — in one minute without calling the bank manager;
There are no restrictions on age or mileage.
Lending conditions:
loan amount — up to 1,000,000 UAH;
initial payment from 10%;
loan term — up to 7 years;
real annual interest rate — up to 42,66%.
OTP BANK, which is one of the leading banks for car loans, is actively developing its programs and offers customers optimal conditions and opportunities for purchasing a car with mileage on credit. The bank will become a reliable partner and provide financial support when buying a car in Ukraine or on order from the USA, Europe and other countries, including an electric car. A convenient bot will help you calculate the personal amount of a car loan in one minute, and the bank’s specialists will consult in detail and select a convenient term and amount of monthly payments.
