The car is the dream of many people, but not everyone can afford buying a new car. In this case, a car loan from Sberbank can help. You start using your car right now, and you pay its cost in equal shares over a certain period of time.
It is necessary
- - car catalog;
- - telephone;
- - booklets with the terms of Sberbank credit programs.
Instructions
Step 1
Think carefully about the decision to buy a car on credit. You must understand that you will have to pay a certain amount every month. Late payments can lead to interest accrual. Therefore, it is worth taking a loan only if you have a permanent fixed income.
Step 2
Select the car you want to buy on credit. It is most profitable to buy a new car. Contact an authorized dealer and ask him for information about whether this company cooperates with Sberbank. Now the majority of car dealerships and dealerships have a cooperation agreement with Sberbank. If your chosen dealer cooperates with Sberbank, then the situation is greatly simplified. Find a credit department in the dealer's office. The loan manager will help you choose the best loan program, and will also tell you in detail about all the conditions.
Step 3
If this car dealership does not work under a related program with Sberbank, then all that remains is to purchase a car under the standard program. In this case, you will have to draw up all the papers yourself. Before going to the bank, take at work a certificate of your income for the last six or twelve months in the form of a bank or 2-NDFL. Please note that only "white" salary will be indicated in this certificate. Also, make a copy of the work book and certify it directly with your employer.
Step 4
Come to the nearest branch of Sberbank. Contact your loan manager. Tell us in detail what kind of car and in what salon you want to buy. Submit all documents. The manager will offer you a choice of several loan programs, from which you can choose the one that suits you best. Try not to take an express loan. It takes much less time to get it, but the interest rate is much higher. Together with the bank employee, determine the amount of the initial payment and calculate the monthly payment. Get a printout of the payment schedule. Read the terms of the contract. If the bank approves your loan application, then you will need to reappear at the bank to sign all documents. After that, you can go to the car dealership and pick up your new iron horse.
