All banks of the Russian Federation offer car loans. Interest rates on a loan taken may vary slightly. Requirements for the borrower are almost the same everywhere.
It is necessary
- - passport;
- - the second document;
- - income statement;
- - certificate from the place of work;
- - a certificate from the military registration and enlistment office;
- - application form.
Instructions
Step 1
If you want to buy a car on credit, contact any salon or find a suitable car from individuals. When you contact the salon, you may be offered car loan services from partner banks. In this case, the interest rates on the loan will be minimal. When buying a car from individuals, you can contact any bank and apply for a targeted loan to buy a car or get a consumer loan, the purpose of which does not need to be explained.
Step 2
When applying for a loan, you will need to present a passport, a second identity document, fill out an application form. This will be sufficient if you are getting a small loan amount. If a fairly decent amount is required, you will be asked to bring a certificate from the place of work confirming the length of service, a certificate of income of the unified form 2-NDFL or in the form of a bank, if you receive part of the salary in an envelope.
Step 3
Additionally, a certificate from the military registration and enlistment office may be required, confirming that there is no risk of conscription. This document is required when a large loan amount is received by persons of draft age.
Step 4
In addition, to buy a car on credit, an initial payment of 10-12% will be required. Some banks are ready to provide auto loans without a down payment, but the interest rates on such loans are always much higher.
Step 5
For the purchased car, you need to issue CTP and CASCO policies. After completing all the documents, they will conclude a pledge agreement with you. In case of violation of the terms of the loan agreement, the bank has the right to seize the car and sell it at an auction. The entire term of the loan repayment, the passport of the technical device will be kept in the bank's safe.
Step 6
Not all banks offer such conditions. For example, Russian Standard Bank does not require a CASCO and transfer the original passport of a technical device to a safe, but is limited to obtaining a photocopy of the vehicle registration certificate.
