To date, the real embodiment of the dream of a new car is almost impossible for ordinary citizens. What to do if the machine still wants, but money is not enough? This situation is solvable with the help of auto loans, which can be obtained in almost any bank.
Choosing a bank
Get a car on credit is very simple. To begin with, you should carefully select the bank. It is not only necessary to search the Internet for all possible websites of banks, but also to ask friends or acquaintances. The person who used to deal with the registration and payment of a loan can best advise the future borrower on a more loyal bank. If a person is very well versed in loans and interest rates, repayment options, etc., the item "ask friends" can be omitted. But let's take for example the program "Car Loan". Alfa Bank, which offers this banking product, is one of the largest banks in Russia and the CIS market.
"Car loan" (Alfa-Bank). What is necessary to obtain
After the bank is selected, a package of documents should be prepared. Usually this is a standard package of securities, including the passport of the borrower and his legal half, driver's license and copies of these documents. It should also be taken into account that Alfa Bank will require confirmation of official income, that is, a certificate of legal income (this is the key word when communicating with banks on loans). Work on the last job before applying for a loan should be at least 3 months, and the total work experience should be from one year and up. Sometimes you might need a work book of a potential borrower. It is also required to fill out a bank questionnaire. It can be found on the official website, and there is also such a service as "Autocredit" calculator. Alfa Bank with this service offers you to immediately calculate the interest rate and the amount of payment. The guarantor or the subject of the pledge will not be required if you receive the "Auto Loan". After all, the car acts as collateral.
The program "Autocredit" (Alfa-bank): for what period
What is the term of car loans? Alfa Bank offers you to buy a car and pay the entire amount for 1-5 years. When buying a new car loan repayment time may increase for another year. But keep in mind that the amount borrowed from the bank to buy a car in 5 years will increase to 75% from above.
What are the conditions for the program "Autocredit" (Alfa-Bank)?
The minimum possible amount of a car loan is approximately 50 thousand rubles. The maximum is determined on an individual basis. Credit rates are not too high and usually equal 9-15% per annum in dollar loan and 16-20% per annum in ruble terms. For complete certainty, you can drive into the search string of your browser "Alfa-Bank," Car Loan, "the interest rate." The initial contribution will be from 10% to 50%. Perhaps early repayment of the loan, but the amount should be at least 28 thousand rubles. And note that Alfa Bank takes a commission of 0.99% for each successful monthly return of the minimum amount. For an overdue payment a penalty of 1% per day will be levied on the amount of the debt. There are a lot of such nuances, so if you still want to borrow a car in Alfa Bank, then you should go to their office and find out all the details.