If you used the services of a bank and took out a loan, it means that a major purchase has appeared in your life. Most often, cars are purchased with the help of this. It is very profitable and effective: you do not need to collect money to buy an iron horse for many years, but you can buy it right away. The question invariably arises that taking money from the bank is much easier than giving it away. No wonder they say that it is easy to take other people's money, but hard to give your own. Paying a car loan isn't easy.
It is necessary
- - money;
- - loan agreement.
Instructions
Step 1
Payment for a bank loan to buy a car can be done in several ways. You choose for yourself the method that suits you the most.
Step 2
Cash payment. This is the most common method among Russians. With a monthly payment, you need to come to the bank with the money and data on the loan agreement. You need to indicate to the clerk the date of the contract, its number and the amount of the monthly payment. Your passport is not required for this bank operation, or it is rarely asked for. In theory, any person can pay money for a loan instead of you: he needs to have the data of the agreement with the bank and the necessary cash on hand.
Step 3
At the bank, you give the agreement and the money to the cashier, specifying the amount that you are paying in the repayment account. You will be issued two copies of the payment receipt, which will indicate the amount deposited and the date of settlement with the bank. Read the information on the receipts carefully, verify all the information and sign both copies of the receipt. The bank employee certifies the operation with the bank's seal and divides the receipts: one copy remains for the bank, the second for you.
Step 4
Payment by plastic card. This method of paying for a car is convenient for those people who do not like to stand in long queues at the bank. If it is easier for you to pay through an ATM or self-service terminal, then you only need to know the number of the loan agreement or account. You select the function of making a payment and look for the section "Credits". Choose the bank you need, enter the agreement number and specify the payment amount. Confirm the payment and receive a receipt indicating the amount.
Step 5
Be careful when entering data into an ATM or self-service terminal in order to pay exactly your loan. Modern payment systems have the function "Save payment data" - when you first pay through a card, you enter the agreement data yourself, the agreement number and amount are memorized by the ATM, and in subsequent operations you simply select the saved payment data. This function facilitates subsequent payments of the car loan.
