Your own lorry allows you to make good money, you can choose the work schedule, freight rates or rent it out on favorable terms. The only problem is the high cost, it is much easier to buy a truck on credit.
It is necessary
- - passport;
- - income statement;
- - work record book (or certified copy);
- - driver's license;
- - good credit history and solvency of the borrower;
- - car dealership services;
- - Bank services.
Instructions
Step 1
Find out lending programs at different banks. Compare the interest offered, the possible amount, the need for a down payment (when applying for a car loan), and other conditions.
Step 2
Prepare the necessary documents, the bank will provide you with the list. As a rule, this is a copy and original of a passport, marriage certificate, work record book, driver's license, certificate of labor income. If the car is expensive and your salary is not high enough, you will have to look for a guarantor. Fill out the bank's questionnaire and give the package of documents to the employee.
Step 3
Wait for the application to be reviewed, usually no more than a week. If the answer is yes, contact your car dealer.
Step 4
Check with your bank which dealership you can buy a car from, as the choice may be limited. You can buy a car of both foreign and domestic production, both new and used, but only with the consent of the bank.
Step 5
Choose a truck of a suitable configuration, carrying capacity, check its driving performance. If everything suits you, fill out a purchase and sale agreement, get a registration certificate and sign papers on non-cash payments through a bank.
Step 6
Submit the documents for the car to the bank and wait for the decision to transfer funds to the account of the dealer company (car dealership). When you are informed that the money has been transferred, take your truck and use it.
Step 7
A prerequisite for a car loan is a full package of insurance, so conclude a CASCO insurance contract. You can include these costs in the total loan amount or pay separately.
Step 8
Please note that if you took out a car loan, the truck will be pledged to the bank until you pay off the loan debt in full. That is, if you cannot pay off the debt, the bank will confiscate the equipment and sell it.
