After reading this article you will learn how and where to get a car loan for a car. Banks provide loans to individuals in rubles or foreign currency to purchase a car on credit, like cars and domestic cars. But at the same the buyer must pay the cost of the car, called the initial payment, which, depending on the bank's range from 10 to 50 percent, you can find details in the description of the programs avtokreditnyh banks. The fastest way to get credit is to take it in the showroom where the car is purchased, and you will save time for processing the documents, but in these cases is to scrutinize the loan agreement. As a rule, one auto salon at the same time cooperate few banks that offer various loan programs. For example, in the cabin 'Genser' can apply for a loan from VTB 24, Sobinbank, etc.
Usually, consideration of your application for a car loan from a bank goes from 3 to 7 days, but there are exceptions that also need to provide. So the banks put forward specific requirements for borrowers. Age of the borrower must be at least 18-21 years and not more than 60 years for men and 55 for women. The borrower must have a permanent record in last place at least 3 – 6 months, and reside in the region, habitat of the bank. You also have to report the amount of income that must confirm either officially or not officially, if you do not have information about income, but in such cases you have to pay the high interest rates. In some cases, banks require one or more sureties or to confirm the ownership of movable or immovable property when granting a loan you have to pay a so-called 'fee for the issuance of credit', which ranges from 100 to $ 200 depending on the bank, as the borrower have to pay a monthly fee for keeping the ship account.