The crisis did not affect many in the best way. And even if some are doing relatively well right now, few will find the funds to fund a one-off car purchase fee. In such cases, car loans have always come to the fore. It allowed you to buy a car, paying the amount gradually.
" Porsche Mobility " declares that the choice of an institution that will provide a loan is a very important point in a purchase. A lot depends on it - the brand, the equipment of the car, the honesty and transparency of the contract.
In search of a lender, Porsche Mobility is ready to highlight the following options: ordinary banking institutions and companies directly related to suppliers. The second option is obviously better, since the likelihood of a quick search for a car is obviously higher. If the company is not associated with dealers or car dealerships, such a purchase can be delayed due to finding the right car, which is not satisfactory.
Car insurance is also important. Insurance amounts can vary from minimal to very large amounts, and if a one-time annual payment is prescribed in the contract, this can adversely affect the buyer's wallet. Some companies, including Porsche Mobility, offer to divide the amount into monthly payments, for the convenience of the buyer, but this is not always the case.
Separately, we should talk about commissions. There can be many of them: from withdrawing money from a card to a commission for servicing a credit account. In total, an amount can be collected up to 3% per annum. Porsche Mobility advises to calculate all possible commissions before buying a car, and then start looking for a car lender.
Also, Porsche Mobility lists all the factors, the combination of which will help to get a positive verdict on the issue of a car loan.
First of all, income. It will be very difficult to get a car loan without the need for the amount of money received monthly by legal methods. To do this, you need to get a certificate of income and provide it to the bank. A side option can be a mortgage of an apartment or other material values.
A positive credit history is also very important. At the same time, today banks can easily check the history of the borrower in the entire network of banking institutions, and not only in their own company.
And of course, you need a certain amount for the first installment. Depending on the class of the car and the requirements of the financial institution, the amount can range from 10% to 25% of the total.
The main recommendations before taking a loan are as follows:
Correct calculation of income and expenses. The first should exceed the second at least 2 times, and income should not be from one source, because in the event of a sudden sweat�
