When purchasing a car, as a rule, many buyers check if it is being stolen. But whether the car is on credit or not is determined much less often. There are several recommendations that you need to pay attention to in order not to become the owner of a car bought by someone on credit.
Instructions
Step 1
An increase in fraudulent activities has also been associated with the huge growth in car loans. Particularly unscrupulous citizens offer cars that are borrowed and pledged by the bank when the loan has not yet been repaid. And after a while, employees of this bank come to the new owner and demand to pay off the debt. Often for the buyer, such a visit becomes a rather unpleasant surprise. That is why you need to carefully check the car for a loan before purchasing.
Step 2
Important signs that a vehicle is being pledged include paperwork, price, and seller behavior. First of all, it should be alarming that the cost of the car will be 10-15 percent lower than the average market value of other similar car models. In addition, she will have a low mileage. And in the TCP it is necessary to look for indications that it has been issued again. If the car is still "young", that is, it is literally 1-2 years old, the presence of a duplicate should alert you. And this is due to the fact that the credit institution takes the original PTS for itself until the debt is fully repaid. And the scammers have no choice but to file an application with the traffic police about the loss of this document and a request to issue a duplicate.
Step 3
In addition, it is very important to inspect the complete set of the car. As a rule, there should only be what was installed at the factory when the machine was assembled. The spare parts that are usually put “for themselves” in a used credit car, most likely, will not be available.
Step 4
Another way to find out if a car is pledged is to check its availability in the Central Catalog of Credit Histories. In order to be provided with such information, you need to know the passport details of the owner of the car. You will not get enough detailed information, but you will find out what you are really interested in. Namely - is there a valid loan for this person, the collateral of which is the proposed car. Keep in mind that you can get this information for free only once a year.
Step 5
Another option is to visit an official dealership with the owner. And already on the spot, get more detailed information on whether the car was bought on credit by its first owner.
