The purchase of a car is a dream of many, but not everyone can afford such a purchase right away. Such situations are given the opportunity to receive car loan in the most popular bank of the country - Sberbank. It is known for its reliability and convenient lending programs. That is why many people give him preference.
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Before taking a car on credit, think well. You will have to make a specific amount every month. If you make payback, additional interest will be added. Take the car loan only if you are completely confident in your work and get a stable income.
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If you have not done this yet, look at the model of a suitable car. It is preferable to stop your choice on a new car. When you choose a suitable car, ask consultants whether the company cooperates with Sberbank. Most automotive salons and dealer companies will give you an affirmative answer, will show where the lending department is located, will tell all the conditions and help you choose the most convenient program.
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If you liked the car, but the interior is not cooperating with the "Savings Bank", you have to buy the car of a classic scenario and independently execute all documents. Take your chief certificate of income over the past six months in the form of 2-NDFL (or in the form of the bank). Your employer will be able to specify it only official data, ie "White" salary. Make a copy of the work book and assure her from her employer. If you are a sole proprietor, bring with them the documents that confirm your place of work and income.
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Go to the nearest branch of Sberbank and consultant. Tell him about your intention to take a car loan in a specific salon. Provide all the documents brought. Most likely the consultant will offer several programs to choose from. The very first is an express loan, but this option is not the most successful. Getting this type of lending is very fast, but you will have to overpay many percent. Choose the most convenient credit program.
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An employee of the bank will help you calculate the size of the initial contribution and the amount of monthly payments. You will give a printout with a payment schedule. After that, the Bank needs time to decide on the granting loan. If it is positive, you need to come to the bank again to sign documents. Before signing a loan agreement, be sure to familiarize yourself with its terms, in order not to get unpleasant surprises. If something is incomprehensible to you, ask questions to the consultant. His responsibilities include a detailed acquaintance of the client with all nuances of lending.
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You can not go to the office, and apply for car loan online. To do this, you need to go to the official website of Sberbank and click there on the item "Car loans". Directly on the site you can familiarize yourself with lending programs and get all the information about the conditions for providing a loan. By calculator, which is provided on the site, you can calculate a monthly loan payment. Leave your application and raise a call to the representative of the bank. If everything is in order, you will be asked to come to the department and bring a package of necessary documents.
After registration and submission of documents, you can come to the selected car dealership, issue a sale agreement and pick up the machine you like. Be sure to overall it in case of damage or hijacking.
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