What documents are needed for a car loan. What you need to apply for a car loan - a list of documents. What documents are required

Car loan programs

Today, a car is no longer a luxury, but more a necessity. In a large city, as well as in a small village, it is almost impossible to do without it. To purchase a car, you need quite a lot of money, but not always a person can afford to wait and collect money.

Sometimes a car is needed urgently. In this case, you can turn to bank lending. Many banks offer attractive car loan programs under favorable conditions.

In Russia, in recent years, there has been a rapid development of the lending market, so it is not surprising that the number of products offered by banks is also increasing. The same applies to car loans. Many banks put forward a variety of offers for their customers. Conditionally can be divided into several types:

1. Express loan. A loan for a car is issued quickly - money can be received on the day of application.
2. Factoring. A very advantageous offer of banks, which involves issuing a loan for a car without any interest. This is quite convenient, since you do not have to overpay, but you can only buy new foreign cars with such a loan, since the bank can only conclude an agreement with official distributors.
3. No down payment. Sometimes the bank goes to meet its client and issues a loan without prepayment. But in this case, you should be prepared for the fact that increased requirements are put forward for the borrower, and the interest rate will be higher than usual.
4. Without insurance. If it seems too expensive to take out an insurance policy for a purchase, some banks can get a loan without insurance. In this case, instead of the car, you can leave some other value as a pledge.
5. Instead of a down payment, the borrower can transfer the rights to the purchased car to the bank.

In most cases, a car loan is issued for a targeted purchase. Regardless of its type, a car loan has common characteristics:

• obligatory down payment (with the exception of some points);
• the borrower registers the purchased car as collateral (the bank reserves the right to sell it if the loan was not paid on time);
• almost always the bank requires to insure;
• the target loan is sent immediately to the account of the seller of vehicles - the borrower does not receive money in his hands, therefore he cannot purchase something else for them;
• a private person can only purchase a non-commercial car with credit funds.

To select the best option, you should review all the offers that are on the market. Only in this case, the loan will not become a big difficulty.

Required documents

The minimum package of documents may include a passport and an identification code. But a minimum of papers in car dealerships is very rarely required - only from regular verified customers. In other cases, you will need to submit an extended list of documents. It includes:

• the passport;
• income statement or bank statement;
• applicant's diploma;
• health insurance;
• marriage certificate;
• certificate of registration;
• pensioner's certificate (if any);
• vehicle passport;
• consent of the second spouse to obtain a loan (must be certified by a notary).

Another important aspect is car insurance. Some banks put forward special requirements for him, as a result of which you need to buy not, but CASCO. If the car was damaged during an accident, then insurance payments are used to pay off the loan.

In recent years, getting a car loan has become much easier for those borrowers who can make a down payment of 40 percent of the total amount. They will not need to submit proof of solvency.

Used car clearance

used vehicle

A couple of years ago, a bank loan could only be taken for a new car. Today, with the money borrowed from a credit institution, you can also buy a used vehicle.

Not all banks do this, therefore, first of all, you should find a bank that is ready to take on such lending. It often requires an expert assessment of the market value of the car, verification of documents for the vehicle. The seller must have a bank account where the money will be transferred.

Banks do not want to issue a cash loan for a car, so all the terms of the purchase should be agreed with the seller.

To obtain a loan for a used car, you must pay an initial fee of 40 percent. Loan terms are maximum 5 years. If the borrower for some reason could not fulfill his obligations, the bank can take the car to itself.

Design nuances

So what do you need for a car loan? The registration procedure most often takes place in a car dealership. In some cases, you need to contact the bank branch directly. To get acquainted with the work of a particular bank, you can go to its website or ask the call center operator.

Loan rate

When applying for a car loan, you should consider the following nuances:

1. Car dealerships offer to take advantage of the offers of several banks at once, which makes it possible to choose the most attractive of them.
2. Before applying for a loan, you must first decide on the desired brand of car. Lending conditions for different car manufacturers can vary significantly.
3. The size of the loan rate is affected not only by the brand of the car, but also by its technical characteristics. It is best for the borrower to agree on all the terms of the loan with the bank employees in advance - this will help to avoid misunderstandings in the future.
4. The terms in which the bank makes a decision differ depending on the type of loan. If an express loan can be obtained in a few hours, then standard programs require more time - from several days to several weeks.
5. After receiving a positive decision on his application, the borrower can apply to the car dealership to conclude a contract of sale. After that, you need to make an initial payment, issue a CASCO and sign a loan agreement with the bank.
6. It will be possible to take your car from the salon only after the bank transfers the full amount of funds to the seller's account.

Banks offer a wide range of car loans. It is quite difficult for an unprepared person to understand this, which is why a large amount remains unpaid. The decision to take a car on credit should have serious financial grounds.

A citizen should be clearly aware that for several years he will have to pay large amounts on a loan from the family budget. If he is not ready to do this, then it is better to save money for a while, and then buy a vehicle with his own money.

What kind of deception can lie in wait for someone who applies for a car loan to a bank, or a car dealership, see the following video:

Mar 23, 2018 Benefit Help

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To apply for a car loan on two documents without proof of income, the buyer must provide the bank with at least 20% of the declared value of the purchased car. But not everyone has such an initial contribution. Consequently, only a passport and rights when obtaining a loan for a car are indispensable, you will have to collect a more serious package of documents. Its composition will depend on the category of the borrower and its tax status. Consider the most common options.

Documents required for a car loan to a private person

If you are lending as an individual and are neither a depositor of the bank that provides the loan, nor a participant in its salary project, you will need a standard package of documents. In addition to the application form, it must include:

• your passport, preferably with a photocopy of all pages;
• rights/passport/TIN;
• the original of the employment contract or a copy of the employment record, certified in the prescribed form;
• 2-NDFL certificate for the last year (some banks accept a certificate in their own form or in the form of your employer).

Important! You can attach a real estate lease agreement, extracts from current accounts you have and other documents confirming your income to the income statement. The more you have, the more you can borrow in the end.

Since the car loan is classified as targeted, you will also need to provide the bank with a receipt from the seller of your future car about receiving a deposit for the car. And after the transaction is completed, it will be necessary to issue a pledge of a new car. To do this, a PTS for the purchased car is provided to the lending organization.

What documents are needed to apply for a car loan at a car dealership

Many car dealerships employ representatives of various financial institutions that provide loans to the buyer to buy a car. When contacting them, the list of documents will be the same as when contacting the bank they represent directly. But many car dealerships are ready to give the client a loan on their own, from their own funds. In this case, fewer documents will be required.

But even when lending directly in the salon, you will need a passport, a second document and a certificate of income. The list of other required papers should be found at a specific point of sale.

Documents for applying for a car loan for a used car

You can apply for a car loan at a bank only for a new car purchased from the salon. In this case, the buyer does not see cash - they are transferred by the credit institution immediately to the seller's account. The car itself with such a lending scheme remains pledged to the bank until the loan is fully repaid.

If you plan to buy a car from your hands, it is not possible for you to apply for a car loan. In such a situation, you can only take a regular consumer loan from the “for any purpose” category. On the one hand, this is convenient, since you do not have to mortgage the car, and the bank does not impose any requirements on the down payment. On the other hand, interest rates on such loans are somewhat higher than those on targeted loans.

As for the list of required documents, it will depend on the bank you have chosen and the type of loan product. But anyway:

• identification;
• income statement;
• proof of employment.

Tip: it is more profitable to issue a consumer loan for a car at the bank through which you receive wages. In this case, you can get by with a minimum package of documents and are more likely to get approval.

Documents for the preferential car loan program

In the Russian Federation, there is a state program of preferential car loans. Participation in it allows the borrower to seriously reduce the cost of credit. On average, car loans under this program are issued at rates that are 6-7% below market rates. Thus, you can reduce the overpayment on the loan by almost one and a half times.

Until 2017, under the program of preferential car lending, it was possible to purchase a new car exclusively of Russian production. The offer did not apply to foreign cars and used cars. But since 2017, it has become possible to take a soft loan for some foreign cars - Renault, Skoda, Fiat, Hyundai and Nissan.

The following banks participate in this program at the beginning of 2017:

• Sberbank;
• Bank of Moscow;
• Unitcredit;
• Russian Agricultural Bank;
• VTB 24;
• Rosbank.

Each of them has own list of documents required for a potential borrower. In general, you will need a passport, confirmation of registration in the region where the car was purchased, proof of employment (employment contract or book) and income statement.

Attention! To get a car loan on preferential terms, you must have been employed at your last job for at least six months.

To clarify what documents are needed for a car loan on favorable terms at the bank of your choice, it is worth directly to the financial institution itself. So, some of them accept only 2-personal income tax certificates, others allow proof of income in free form. Also, a number of credit organizations may request property documents from the borrower in order to increase the possible loan amount. You can clarify the required list on the website of a financial institution or in its customer support service.

Banks offer a large number of programs, thanks to which you can rent a car and make your cherished dream come true. What documents are needed for a car loan depends on the program of the financial institution - it can be only 2 or a whole package of documents.

How to buy a car quickly?

What to do if you cannot provide proof of income? In this case, it is allowed to issue a car loan on two documents without proof of income, but only when you have at least 20% of the cost of the car. That is, before you go to the bank, you have to save up! At the same time, it will not work to take an expensive car. It is more profitable to stop at an ordinary consumer loan and take a car with the money received. In any case, the car will be collateral for the loan, which is beneficial for the bank. Of course, you can take a guarantor and try to take a car without a down payment, but this option is not very popular.

What documents are required?

So what do you need for a car loan? Before visiting a car dealership, prepare a few papers. Decide in advance which car you intend to take, what amount will suit you. bank you will need the following documents:

• A photocopy of the passport (it is important to make copies of the pages where there is a photo, text and other significant marks);
• Questionnaire. Here you will need to provide the following information:
  1. Details of the property you own;
  2. Information about yourself;
  3. Information about work: where you work and how much money you receive per month;
  4. Family status;
  5. Education.

• The choice is a military ID, a photocopy of a driver's license or a passport.

Since it is not known exactly what documents are needed to obtain a car loan, you should visit the bank in advance or call a consultant - all financial institutions have different requirements!

In addition to those mentioned, the list of securities can be expanded to:

• Help 2-NDFL, which indicates how much you have earned over the past year;
• Photocopies of the work book (the length of service at the last place of work should be six months).

You may also need:

1. Bank statement;
2. A photocopy of the diploma of education;
3. Marriage certificate;
4. CHI policy;
5. Spouse's permission for the loan;
6. Car purchase and sale agreement;
7. Pension Certificate.

Most banks require the following documents:

1. Questionnaire;
2. The passport;
3. If the registration is temporary - a document on registration at the place of stay;
4. The second identity card of your choice (passport, driver's license, etc.);
5. Documents confirming the financial condition of the borrower (certificate 2NDFL, a copy of the Labor Code and others).

After reviewing the documents and approving the loan, you can choose a car in a car dealership.

Video: Documentary about a car loan at TVC

Nuances

Documents can be accepted not only at the bank, but also at the car dealership itself.

Each bank has the right to set its own terms and conditions. However, they are not much different. A universal loan that would suit all categories of borrowers does not yet exist. One bank focuses on the speed of registration, another offers a low interest rate, the third does not impose high requirements on documents. Be sure to carry out the auto insurance procedure - this will save both you and the bank from irreparable losses! Do not try to take an expensive car. Looking for the best value for money!

So, taking a car loan in our time is easy! It is enough to collect the necessary package of documents and visit the bank, or go directly to a car dealership that cooperates with the bank. After checking the information provided and applying for a loan, you will receive the keys!

Today, buying a car on credit is quite simple. Banks offer many programs, using which you will realize your dream of a new car. You can also buy a new vehicle at a car dealership; dealers cooperate with many financial institutions. What documents are needed for a car loan depends on the program chosen.

A full package of documents or a car loan for 2 documents?

If possible, collect all documents for a car loan. In this case, the lending conditions will be more favorable than with the provision of only 2 documents.

If you cannot bring a certificate of income to the bank, then try to apply for a loan by providing only 2 documents. But in this case, be prepared to deposit at least 20% of the cost of the car. That is, first you have to accumulate a certain amount, and only then contact the bank.

Keep in mind that an expensive car is hardly possible to take on credit. The easiest way is to get a regular loan for consumer needs, and then buy a car with the money received.

Remember that when concluding a transaction, the car will be a pledge, this condition is mandatory. If you want, resort to the help of a guarantor, try to get a car without a down payment. You can try, although this method is chosen by few borrowers.

What documents must be submitted by individuals

Once you have decided on the make and model of your car, start gathering paperwork to apply for a loan.

It is worth noting that each bank has the full right to set its own conditions. But when comparing several programs, it becomes clear that they do not differ much from each other.

Required documents for a loan:

• Application form;
• If the payment of the insurance premium invoice is carried out at the expense of a loan, then it is necessary to submit a document for payment;
• Passport of the Russian Federation;
• The second document to confirm the identity of the borrower;
• In case of temporary registration, a document confirming registration at the place of stay;
• Military ID for military personnel or a deferment of service document;
• Statement of income for the last 6 months (Form 2-NDFL);
• Insurance policy (contract) in 3 copies;
• Receipt of payment of the insurance premium for compulsory auto insurance;
• Employment book or employment contract with the seal and signature of the head;
• Invoice for the purchase of a car (account number, date, payment details of the seller, product name, VAT amount);
• Document of compulsory auto insurance of civilians;
• Vehicle purchase and sale agreement;
• Certificate of real estate owned by the borrower (for registration of outpost property);

You can apply for a loan both at the bank itself and at the car dealership. Having chosen the second option, find out in advance about which credit organizations the car dealership cooperates with.

To get a loan on favorable terms, provide the credit institution with as much documented information as possible. Enter your official income. Banks are more willing to issue loans to persons who guarantee their solvency.

The easiest way to get a car loan is if you receive a salary in this bank. You do not have to contact the accounting department of your organization for a certificate of income.

Some banks offer payroll card holders a car loan at a favorable percentage.

It is better to call the financial institution in advance and clarify the list of documents.

List of documents if you are married or have children in care:

• Passport of the spouse (spouse);
• Certificate of additional income;
• Statement of the spouse (spouse) on agreement with the terms of the provided loan agreement on the terms of the bank;
• Certificate of conclusion (dissolution) of marriage or death certificate of the spouse (spouse);
• Document from the place of work of the spouse (spouse);
• Guarantee of the spouse (spouse);
• Certificate of income from the place of work of the spouse (spouse);
• Marriage contract (if any);
• Birth certificate of the child;

To apply for a car loan from additional documents, you may need a TIN, a bank account statement, a marriage certificate, the consent of a spouse or spouse to apply for a loan. 2-personal income tax, or a certificate of income can be written in free form. The document must have a signature, you can not do without the seal of the organization. Also, bring an employment contract or work book.

What documents are needed to take a loan for legal entities

Businessmen should first contact the bank where the current account is opened, then they will not have to worry about providing constituent documents.

When applying for a car loan in third-party organizations, the following constituent documents are required:

A set of documents for legal entities, if you take a car loan from a bank where you do not have a current account, then to open a current account for legal entities, you will need photocopies of documents:

• Passports of the founders, accountant, director;
• The decision to establish an LLC;
• Articles of association;
• License for the right to carry out entrepreneurial activities;
• Extract from the Unified Register of Legal Entities (the certificate is not more than 3 months old, you must submit the original and a notarized copy);
• Orders on the appointment of a director and chief accountant;
• Certificate of tax accounting;
• IP registration certificate;
• Payment orders for the full payment of the authorized capital;

In some cases, the bank may request copies of the passports of the founders of the company, the director of the enterprise and the chief accountant. To confirm the solvency of the company, the bank examines the accounting documentation of the company.

If you apply for a car loan at the bank where you have the organization's current account, then the list of documents for entrepreneurs with a current account includes:

Additionally, the bank may request additional documents:

• Declaration of income for the past and current year;
• A copy of the lease agreement;
• Licenses or patents to carry out activities.

In most cases, borrowers submit an identical package of documents to all banks, the list is determined by the Central Bank of the Russian Federation. When applying, if an individual entrepreneur or a legal entity needs a loan, the list may differ.

What documents are needed for a car loan at a car dealership

• Statement
• Borrower Questionnaire
• The passport
• Driver license.

Video: What you need for a car loan

Conclusion

Applying for a car loan for an individual is quite simple, you just need to provide passport data and a second identity document, as well as a questionnaire and income statement. Legal entities in the package of documents include constituent and accounting documents.

The easiest way to get a loan for a car is in the bank where the company's current account is opened. If the business was created recently, the company does not have stable turnover, it will be almost impossible to get a car loan.