Nowadays you can buy on credit whatever you want, starting with the country house and ending with iron.
Anyone, even the most secured car loan through a citizen can make a means of transport more recent luxury.
Which credit programs provided by domestic banks choose depends directly on your goals that you set for yourself, and the financial situation in general.With the classic version will be able to save a considerable amount of money, and express loan is perfect for those who do not want to collect the documents and lose precious time.
Classic car loan.Such a car loan is issued after submission of the required official documents and considered by the bank for a few days.What are the pros and cons of a car loan Ekaterinburg?
Pros: a car loan makes it possible to choose a credit program that will be most useful and beneficial for you.Choose from which there is: a loan to buy the car as no down payment, and with it, or you can take a completely free credit.
Cons: besides waiting times stretched answer and red tape is likely that the loan the bank will deny you if:
- has a criminal record;
- in the stability of your salary in doubt;
- law enforcement agencies have seized driver's license for driving while drunk or accident.
loan with no down payment.Coming into the cabin, make all the required documents and immediately pick up your car.
Pros: When you make a transaction does not need to pay large sums.
Cons: Bank without getting you to cash a great risk because the fear.Firstly, your documents will be studied very carefully, and, if you have any doubts about the bank - it can push additional conditions, for example, in the design of the transaction will require the involvement of guarantors.Second, high rates of interest.
loan with an initial contribution.You yourself set the amount that immediately prepared to pay for the car - not less than 10% of the total cost.Credit take the remainder.
Pros: documents requirements less the interest rate more favorable.
Cons: it is necessary to have a large sum of money.
