For some Russian citizens, a car loan is the only opportunity to purchase a car. Then the question arises of contacting the bank in order to still please yourself with a long-awaited purchase with the help of borrowed funds.
It is necessary
- - passport;
- - the second identity document.
Instructions
Step 1
Determine which car you are planning to purchase This must be done if only because banks offer different programs for the purchase of new and used cars, the conditions of which, at times, albeit insignificantly, differ.
Step 2
Evaluate the offers of banks for car loans. Today, a fairly large number of organizations are successfully operating, offering their services for lending to individuals and legal entities. To objectively evaluate each option, you will have to spend a lot of time and effort, since all programs are different, they have additional conditions or are focused only on a certain category of people.
Step 3
Consider the offers of banks for non-earmarked loans. Sometimes it is wiser to choose not a car loan, but a cash loan. For example, if you have a part of the money to buy a car, and some funds are not enough, but this amount is less than the minimum amount of a car loan. It is clear that in such a situation it is rational to choose a completely different lending program.
Step 4
Visit car dealerships. Today, many of them work directly with banks. So, if you decide to buy a car on credit, then a bank specialist will arrange everything right at the car dealership. In this case, you do not have to come to the bank. You will receive all the necessary documents immediately.
Step 5
Apply for a loan. After you have chosen the most optimal program for you, you need to inform the bank about your intention to take a loan. An application for a loan can be submitted directly at the bank itself, in a car dealership or filled out on the website of a credit institution.
Step 6
Sign the agreement with the bank. After receiving the approval of the application, the borrower can collect all the necessary documents. As a rule, this is a passport, driver's license or any other identity document. After signing the agreement, the credit institution transfers the funds to the account of the car dealership, and the borrower can safely get behind the wheel of his new car.
