The most common way to buy a car is to buy it with cash or take out a car loan. The main advantage of car loans is that you can get a car without having the entire amount required for the purchase.
Instructions
Step 1
Additionally, you weigh all the costs associated with purchasing a car. In addition to paying off a loan, insurance and fuel costs, the monthly costs of operating a car include the costs of parking or a garage, washing, purchasing additional equipment, and possible costs of paying fines for violation of traffic rules. These additional costs can upset the balance of the family budget.
Step 2
Take a certificate of income at work. A loan without information about income is issued by a bank secured by a security. The pledge can be a purchased car, or real estate: a garage, a summer residence, an apartment.
Step 3
Make out the purchase of a car you like in a car dealership. You are given an act of selection of the car, which indicates the model of the car, its equipment and cost.
Step 4
Choose the bank to which you will apply for a loan. Often there is an option when a car dealership works with a specific bank, to which you will be politely directed. Nothing bad will happen if you visit not only the recommended bank, but also check out a few additional options.
Step 5
With a certificate of income, an act of selection of a car, a copy of your passport, contact the chosen bank. Go through the procedure for processing credit documents, it can take from an hour - one and a half to several days. After completing the necessary documents, you will be issued a letter of guarantee from the bank.
Step 6
With a letter of guarantee from the bank, you return to the car dealership, where the car is “put aside” for you.
Step 7
On the day the loan is issued, which, as a rule, differs from the day the loan documents are issued, come to the bank and pay the first installment on the loan.
Step 8
With payment for the first loan installment, come to the car dealership and get a long-awaited car.
