Domestic cars - Lada Kalina and Priora - are in the lead among the most popular cars among buyers. They attract with their relatively affordable price and low-cost service. If you want to drive a car today, and not save up for it, use a car loan, which is now provided by absolutely all banks.
It is necessary
- - passport and its photocopy;
- - application;
- - certificate of income or tax return;
- - a copy of the driver's license.
Instructions
Step 1
Select your favorite Lada Priora model in the showroom. The price category of such cars starts from 311 thousand rubles for an eight-valve sedan and reaches 400 thousand. for a car with improved configuration with two airbags, air conditioning, ABS. If you want to buy a sports version, the price is over 400 thousand. and long waiting times for delivery.
Step 2
There are two options for obtaining a loan. You can first order a car if there is a queue for it. Then you will have time to calmly collect all the necessary papers and apply for a loan. And you can first apply for a loan to be sure that you will definitely get it approved.
Step 3
To apply for a loan, contact the credit department, which is at any car dealership. You will be offered a credit scheme, depending on the selected conditions. The maximum loan term is 7 years. The minimum down payment is 10-15% of the car value. There are loans that are provided without making a down payment. But to provide it, the bank requires additional documents. Cars bought on credit are subject to compulsory CASCO insurance. You can choose an insurance company yourself. If you buy a car without a down payment, the bank may oblige you to insure the car with a specific insurance company.
Step 4
To obtain a loan for a Lada Priora car, submit the required documents to the bank. You will need a passport and a photocopy of all of its pages. Fill out an application and a loan application form - each bank has its own form. If your spouse is a guarantor, she must provide the bank with a copy of her passport. Make a copy of your driver's license, if you have one. From the place of work, submit a certificate of income of 2NDFL. If you work under an employment contract or are an individual entrepreneur, confirm your income for the last 6 months - take the declaration from the tax office.
