To buy a car or not - for many, this question has ceased to be a problem. If you want to buy a car, but there is no money, you can always get it on credit.
It is necessary
- passport;
- certificate on the 2NDFL form;
- copy of work book
Instructions
Step 1
In order to buy a car on credit, you must first decide what kind of car it will be. In any car dealership, you can find a suitable car for yourself - both for the money and for the mood. Then the procedure usually goes like this. You order a specific car for yourself. It, as a rule, either has not yet been brought to the car dealership, or you personally choose it from the catalog, or it is already in stock. You pay a 10% fee. The dealer will take it as collateral. While the salon is engaged in its ordering, delivery and registration, you can safely submit an application to the bank.
Step 2
To do this, you will need certain documents. Basically, this is your identity card, that is, a passport, a certificate confirming your income, a copy of a work book. The bank usually reviews your application within 3 days. And as soon as he makes a decision, and the car arrives at the place, you can arrange it on credit.
Step 3
To do this, you will need to issue immediately two insurances for the car - this is OSAGO and CASCO. Car damage and theft insurance is part of the mandatory loan program. Without it, the bank may not give you money. Get ready for the fact that you will have to pay a fairly round amount right away, but some banks may include the cost of insurance in a loan. After all the documents for the car are drawn up for you, you take them to the bank, where the contract has already been prepared. Credit inspectors will fill in all the missing data, give it to you for verification. And you can sign.
Step 4
The very next day, the bank will transfer the money to the salon of an official car dealer, and you can go there to pick up your car. Payments must be repaid monthly. And also remember: you will have to buy two insurances for the entire period while the car is pledged to the bank.
