How to choose and arrange a car loan?

Nowadays the most popular way to buy a car is a car loan.

You can take a car loan in Sberbank of Russia, or the state program, as well as commercial banks, such as auto loans Raiffeisenbank. Your attention to trying to attract the best banks in the country.

Banks that issue credit for the car, attracted not only by interest rates, but also some other interesting methods, such as: dosrochone repayment without penalty, an insurance company with huge discounts and guarantees a fast and convenient for you the paperwork (which does not make you long wait), taking the car loan with no down payment, convenient schedule. Therefore, you must first choose a reliable bank, and the car always wait. The biggest mistake - this is a hasty choice, which entails many risks and problems in the future.

Also there are many who want to take credit for a new car is not, and had been in use. These banks are, but they are few. In this case, the levels increase, because the car has run with wear (and that means - a big risk for the banking institutions).

All the proposed loan (or rather their condition) is not very different, and vice versa - very similar at each other. Profitable for banks to lend in dollars or local currency. Check the application approximately 1-5 days. The average yield on these loans three years, but there is an exception to 5 years, and of course the bigger the term, the more have to pay. Thus, the owner of the car is paying almost the entire cost car. Learn more about new auto loan just now!

To take the credit, you will be asked to prepare the documents: a copy of the passport of his wife and, in some cases, required to provide copies of the work book as well as an income statement from your last job. Besides your income will take the whole family income. Bail in this case is itself purchased the car.
What is the bank to choose the best?

The most reliable surveys on citizens is a government program subsidizing auto loans, prepayment amount is 15% of the cost of the machine, the cost of the car to 600 thousand rubles, the car must be manufactured in Russia, lines of credit - up to 36 months, the credit currency - rubles.

In order to properly make the choice not to hurry. Carefully read the terms of the loan, whatever it was advantageous to the bright advertising posters. Your choice may be made in a short period of time, and you will suffer much longer if you do not make the right choice. Successful you buy!