How to check the credit machine or not

Many unscrupulous owners are trying to realize a car without paying a loan for him to the end. As a result of a successful transaction, the new owners face a lot of problems. Therefore, before registration of the contract, it is very important to check the reliability of the seller.

Ask the Seller show you the passport of the car (TCP). Carefully read its content and marks. If you find a "duplicate" entry, do not hurry with the acquisition. Such marks set with a loss of TCP or if the car is taken on credit, because The original is in the bank. In addition, you will not be able to get caters in duplicate insurance. Compare the rooms of the body and the engine with the numbers that are listed in the TCP - they must match.

Watch the seller's passport. His personal data should coincide with the data in the PTS. If the data does not coincide, most likely you are trying to sell the car by proxy, which is a violation. Also see the life of the car by the previous owner. If it is too small, you have a reason for doubt.

If a company is specified as the owner of the machine, visit it and check the legality of the contract. You can visit with the seller a dealership center in which he acquired a car.

Ask the seller to provide you with the car purchase agreement. It contains all data on the acquisition and payment method. If the owner wants to realize a car at a price, below the market value by 10-15%, it should alert you. Pay attention to the car package. If it is completely factory, there is a certain risk that the car has a little mileage and is in the loan.

You can contact the National Bureau of Credit Stories. The company's specialists will check the current status of a particular car. To get information, find out the VIN-code of the machine. The company will provide you with information on its current status and the presence of Duplicate TCP (if any).

Go to the official website of the Bank of Russia - www.cbr.ru.. Open the "Informational Materials" and the List of the Credit History Bureau of the Credit Stories. At this point you can find all the information you are interested in. But note that you can get free data only once a year. For repeated applications in the same year will have to pay.

There are several resources that own databases for cars in credit. One of them - vin.auto.ru.. You will be asked to enter the VIN code of the car you are interested in. After that you will receive all the information you are interested in. You can search the Internet Other resources with similar services for more reliable checks.

You will not be able to determine whether the car is in credit with 100% accuracy. Therefore, before purchasing, try to protect yourself to the maximum. If you have decided to make a purchase, when making a contract, specify the present amount of money you paid. It will be very by the way if the machine will be in the credit pledge and the financial organization will provide you with the requirements for its return. Also at the end of the contract, specify the item: the seller guarantees that the vehicle is not a deposit on a loan in a financial institution.

The above-mentioned tips will help you find the necessary information about the car you are interested in and secure yourself in case of fraud. The measures taken will reassure you and will avoid unpleasant consequences.