A loan for buying a car can be obtained from many banks in our country. The procedure for obtaining it is not much different from a consumer loan. However, it is worth considering some of its features.
It is necessary
- - passport;
- - certificate from the place of work;
- - guarantors;
- - military ID;
- - pension insurance;
- - driver's license.
Instructions
Step 1
Select a specific loan program for a car before contacting the bank. You may be offered a large number of options that can be compared with the number of banks. There are two main types of car loans at the beginning of 2012 in Russia: express (quick loans) and classic.
Step 2
Before contacting the bank, prepare a passport, a report (certificate) from the place of work on the average monthly income of not only the borrower himself, but also all solvent family members. Also, do not forget to bring your driver's license, pension insurance certificate and military ID. Next, you will be given an application to fill out in the established form.
Step 3
Consider also the option of an expert loan. To obtain it, you will need much less documents than for a bank: a passport and any other document that proves your identity, for example, a military ID. The time period for obtaining this type of car loan varies from half an hour to 2 hours. However, please note that such time savings on receipt guarantees higher interest rates, unlike the classic option.
Step 4
Study the rules for obtaining a bank loan for a used car if buying a used vehicle is your goal. You can accomplish this task under 2 conditions. Firstly, this car loan applies to cars that are purchased in dealing centers. Secondly, the age of the car should not be more than 5 years. In other cases, you can get a regular consumer loan.
Step 5
A consumer loan will give you some advantages over a classic car loan. First of all, you will save money on voluntary insurance, which is necessary when applying for a car loan. In addition, you will immediately be able to dispose of the car, while with a car loan, the vehicle is pledged to the bank until the debt is fully repaid.
