Modern man without a car is nonsense. Not only work is connected with the car, but also the life activity of the family. In the morning you need to deliver children to the kindergarten or to school, then pick them up, take them away to additional classes, buy products, etc. And if you stay without a car is a catastrophe.
Well, if you have a free amount of money, it will allow you to purchase a new car without delay. And what if finance is not enough to buy a car? In this case, auto loan may come to the rescue. And if no reference needs for the loan, except for two documents - such a car loan can also be used by a person who has no official income. Such a car loan was gaining great popularity and many credit organizations issued such a loan. And if you make an initial contribution, you will show the bank to your solvency and serious intentions.
Content
Car loan what car loan for two documents
Car loan in two documents with an initial contribution is a type of receipt of money in a loan in order to buy a car.
Many banks give out such car loan, in each bank there may be special conditions of such a loan.
But, in terms of the specific requirements of each bank, all banks issue such a car loan on a common basis, which will be revealed below:
- on the purchase of a car, banks issue a sum that does not exceed 1,000,000 rubles. Such restrictions are explained by the fact that the bank risks without checking the customer's solvency. Based on this, the man taking a car loan is forced to buy a car within this amount, or make a major payment in the form of an advance;
- car loan will make a car quickly, as the Bank is considering an application for an autocredit for just a few hours. Since the bank does not check the customer's solvency, the borrower does not need a certificate of 2-NDFL. And we know how our organizations delay the issuance of various references. Freeing the client from spending time to receive certificates, individual banks decide the issue of issuing a loan for several minutes;
- the Bank's customer on the car loan must submit its passport to the bank, which includes registration and second document. The second document may be the driver's license, SNILS, INN, passport passport, etc.;
- the bank always risks providing such a loan if you have made an initial contribution in the form of 10%, car loan will receive a higher percentage. But if you work unofficially, you need to quickly buy a car (perhaps you are engaged in freight or passengers) - such a car loan is the only opportunity in the purchase of cars;
- having issuing such a loan, the bank wants to receive an additional guarantee that he will receive compensation, even in the case of a car hijacking or in case of obtaining a car of serious damage. Therefore, the Bank will require the mandatory design of the CASCO insurance policy.
Previously, you can make an autocredit for two documents, you can independently make a calculation on your bank contributions.
To do this, you need to know your initial contribution, the cost of the car, the loan period and taking advantage of this bank's credit calculator, you will get a digit, it will be the amount of money monthly payments.
In addition to the amount of the monthly payment, with the help of the calculator, you will consider and the amount of overpayment, as the law obliges banks to show such numbers to borrowers.
And yet, despite the overpayment, car loan in two documents is a very popular service.
And this is explained by the fact that the car you can buy quickly and you will not need official help to confirm your income.
Car loan on two documents, banks offer on car dealerships.
Taking advantage of such a program, you can get the car literally in one day.
Car loan, in which bank is more profitable to take car loan on two documents with the initial contribution
Russians, at the genetic level, are accustomed to trust Sberbank.
Sberbank, does not lag behind the fashion trend and offer you a car loan on two documents if you make an initial contribution for a car at least 30%. By entering such a large amount, you confirm your solvency and the ability to pay the loan timely.
And if you get a salary through Sberbank, the bank knows all your solvency and a schedule of receipt of your money.
Therefore, if you decide to contact Sberbank, go to the official website, use the Calculator and then decide whether you should acquire any car.
Usually Sberbank issues a loan for no more than 5 years, the maximum loan is 5,000,000 rubles.
In addition to Sberbank, other banks offer autocredit on two documents with an initial contribution.
Car loan "Plus Bank" allows you to purchase cars not only in the car dealership, but also in an individual.
Turning to a plus bank, you can get a loan for an hour. At the same time, the initial contribution is not required, Casco design is as not necessarily.
But in each barrel of honey there is a spoon of tar - such an auto loan will cost very expensive.
Rosbank will give you an autocredit of up to 1,000,000 rubles. The banking rate will be in average to 17.7%.
The loan will be issued for a period of up to 5 years, the initial contribution from 0 to 50%. The car must insure the Casco, the insurance price may include in the amount of car loan.
We conclude that car loans for two documents with the initial contribution are a very good option to obtain a car loan for the main population.
Of course, issuing such a loan, the bank risks, but also the borrower before you take a car loan should provide all of your capabilities.
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