Interest-free credit for auto
Getting car on credit, never forget that it is necessary to pay for using another's money. But that now in market of cars rigid competition is observed, in this plan considerable progress is felt.
Not so long ago autocredits were given under 18-20 %. Now such to not find, a competition, whether know. The important moment: many motor-car manufacturers, as well as bankers, too fight for increase in a share of production in market. That is why in some cases compensate interest rate. It refers to as special discount program are applied at sale of some marks of cars.
How these programs work? We shall admit, bank gives out credit under 9 % annual in currency - below it is impossible, in this case to bank to not avoid conflict to tax specialists because borrower has a material benefit. You will really give twice less - rest for you will be paid by manufacturer. There Is also other kind of "discount": rate remains high, but thus manufacturer lowers cost of auto.
Some banks have invented such way to not take at all from clients of percent. However, this script approaches only for those who possesses a credit card. But not traditional, and that which refers to "a credit card on security of a vehicle ". A chesspiece here that on such cards operates grace-period - a grace period of crediting which can reach 30 days.
In practice it looks so: you choose auto, usual contract with fixed interest rate is made, bank gets on you such card with which you pay off for machine. But about 30 days of interest-free credit to forget it is not necessary: every day delays will manage to you dearly. To you will count percent specified in contract, plus penalty of 1-2 % from sum of back payment.
With what to begin?
· From a campaign in a motor show and a choice of model necessary
to you. It is enough to declare seller intention to get auto on credit
as that spends you up to representatives of banks - in their each interior
is available enough.
· Further from you it is required to prove to bank solvency (
usual information of 2NDFL), to collect all necessary documents which
from you are required, and to fill questionnaires.
· Terms of consideration of application usually make from three
about ten working days. And that machine chosen by you have not sold someone
to another, interior for certain will demand from you mortgage.
Source:
Info Cash Loan (24.12.2006)
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