VAZ cars are in great demand. This is due to the low price and ease of use. But not every person has the means to buy even such a democratic car in terms of price. In this case, a loan can help, thanks to which the machine can be started to use right now, and its cost can be paid gradually, within a certain period.
It is necessary
- - a list of all banks;
- - conditions for car loans;
- - computer with Internet access;
- - telephone.
Instructions
Step 1
Select the VAZ model that you want to purchase on credit. You can purchase a used car or a new one on credit. However, it should be remembered that most banks provide more profitable loan programs for the purchase of a new domestic car.
Step 2
List all banks in your region that provide car loans. Make the list in the form of a table, where you enter the name of the bank, the telephone number of the hotline and the website. After that, sit down and carefully read all the loan products of each bank.
Step 3
Continue the table with criteria such as interest rate and credit terms. Using the filled-in table, draw a conclusion about which bank provides the most profitable loan.
Step 4
Try not to use express lending services. In the case of obtaining a quick loan, you spend a minimum amount of time, but the interest rate increases significantly.
Step 5
If you are buying a new car, then ask the nearest car dealerships about the promotions. It is possible that any promotion will save you a small amount on the purchase of a car.
Step 6
Prepare the necessary list of documents, which can be obtained by phone from a bank specialist or found on the official website. Typically, this list includes documents such as a civil passport, a driver's license, a certificate on the 2NDFL form, or a certificate of income in the form of a bank.
Step 7
Call the bank and make an appointment with a loan officer.
Step 8
At the appointed time, come to the bank along with all the documents. Write a statement. After a certain time, you will be called back and a decision on your application will be announced. If it is positive, then you can go to conclude a contract and pick up the car.
Step 9
Remember that most car dealerships have credit departments, which can save you a lot of time and hassle.
Step 10
To purchase a used VAZ car, you can also take out a consumer loan in the form of cash for an amount equal to the cost of the car you are buying.
