In almost any bank, you can get a car loan if you meet certain requirements. In this case, the conditions can be completely different. However, there are some similar moments, for example, a list of documents, agents of users, etc.
1
A car loan can be obtained in the bank you like, this is enough to provide the required documents. But now many car dealerships are offered to place an application right in place. Most often they cooperate with several banks, which increases the chances of a positive answer. This is significantly saved.
2
There is a list of mandatory documents to be submitted. The first is a statement and borrower questionnaire. Do not do without a passport (scan-copy of all pages), also some organizations require the passport of the spouse (spouse). Be sure to need a copy of the identification code of the borrower and his wife (her husband). The following documents, without which a loan application is not issued - this is a certificate of employment and a certificate of revenues for the last 6 months from the place of work. Documents confirming other income of the borrower are also taken into account. It is also necessary to provide a certificate of marriage and notarized the consent of one of the spouses for the purchase of a car. If the application is issued in the Bank's office, then the invoice is provided from the car dealership.
3
There are situations when the car is not purchased for personal use, but in working purposes. For private entrepreneurs, instead of certificate about incomes, registration documents are provided, income report for the 4th quarter, certificate for the year of money movement. If there are or were any loans, it is necessary to take a certificate in the bank about their condition current.
4
When making documents, it is necessary to carefully read into the terms of the contract, and the best thing to take with a lawyer who understands all the intricacies of this case. Before paying attention to the Commission when issuing a loan, as well as a monthly commission. As a rule, it is because of them a big overpayment is formed. One of the conditions may also be the insurance of CASCO.
5
You can save by taking a consumer loan (under a mortgage or repair). In this case, you do not have to pay for insurance. When everything is decorated and the car is located at the use of the borrower, this does not mean that he belongs to him. Until that moment until the whole letter was paid, this is the ownership of the bank (he leaves the passport of the vehicle).
6
Payment for a loan should occur exactly on time, otherwise fines will be accrued. The amount can be fixed, or this is some percentage for every overdue day. Very often in the contract it is indicated about the impossibility of early repayment - for this also provides for penalties. Sometimes the bank provides an initial contribution - to this, too, you need to be ready.
If it was decided to purchase a car on credit, first of all clarifies the list of the necessary documents in the bank. When all the references are in hand, you can begin registration of the contract. The main thing here is to study all the conditions in detail so that there is no further misunderstanding and excess costs.
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