How To Acquire The Car In Credit? Part 1

So in these series of articles we are going to talk about car acquire in credit as in the time of economic crisis this subject is especially interesting. So if you are also interested in it you should definitely read these articles.

The car credit is one of the most demanded credit products among the population. It has set of programs which allow buying almost any car in credit both of domestic and importing production. The core and a general term for a capture of a purchase credit of the car under any credit program availability of sufficient level of the income which would allow returning the taken credit.

At buying of the standard car credit which provides acquisition of the new car as domestic and import production through a motor show it is necessary for borrower to give to a creditor bank a packet of documents in which enter:

- The inquiry on incomes;

- A copy of operating permits;

- A copy of the work record card which is assured without fail by the employer;

- Copies of id data of the borrower and his wife or the spouse if are that are available;

- The request for buying of the car credit and the questionnaire.

It is a standard packet of documents can be expanded at the discretion of bank. So some banks can ask to present such additional documents as a copy of marriage certificates or its termination, a birth of children, the documents confirming an ownership right of the borrower on real estate, etc.

Bank, having received from the borrower a packet of documents sends them on check in the security service. After passage of check the creditor bank makes the decision on granting or not credit granting. After affirmative reply reception corresponding papers are made. As 4 parties participate in registration of this purchase credit of the car: the borrower, a creditor bank, the insurance company and a car dealer and the borrower concludes agreements with all concerned parties.

The size of the interest rate at car purchasing on credit not fixed also depends on a crediting period, from the size of the initial contribution, from a credit currency kind. So on the average the size of the loan interest rate given within 3 years in native currency can constitute from 12 % to 19 % depending on the size of the initial contribution.

So if the initial contribution is less the above there will be an interest rate. As the interest rate will increase in case of credit granting within 5th years. If the credit is given in foreign exchange the annual interest rate doesn’t depend on term of repayment of the taken credit and averages from 9 to 12 %.

Can you remember those good times when everybody could take a loan if one needed funds? And just imagine the state of those who must bear that load nowadays when the world economy is facing hard times. And for those people having credits the question of credit monitoring is as urgent now as never before. It is not only about loan monitoring, this also allows to save money, time, and nerves and be fast in solving loan related issues. Those who are searching for a place where to learn about credit report, are welcomed to check out this credit report monitoring site – there is lots of information about credit monitoring and how to order the service.

Also we haven’t forget about possibilities provided to us by digital technologies. The Web network gives a truly unique chance to discover what we want or to get anything at the best price on the market.

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