Car Loan: Little Secrets large percent of the word "credit" is so firmly established in our lives that some of them already can not imagine their existence without him. If two or three years ago, the primacy occupied consumer loans, it has recently gained great popularity car loans. Moreover, in our country to start a real "avtokreditny" Boom – statistics every third car is bought in today debt. Of course, certain advantages in that there are – no need to save for long-term dream, but as the saying goes, one flick of the wrist, sign the contract and suddenly get the keys to a brand new, for example, "pyatnashki" …. Or sign his own sentence? Here, in this and try to understand. Where to get car loan? Before a person wishing to take a car on credit, a dilemma: to design it in a bank or directly into the cabin. In fact, the big difference No – in dealer showrooms loans provide the same banks, but some differences do exist.
For example, banks can not deviate from the standard credit schemes: if the law of the interest rate can not be less than 9 percent per annum, the bank has to maintain it (in general, the interest rates on car loans ranged from 9 to 17 percent per year). Dealer same centers are developing in cooperation with banks special programs that provide favorable conditions: for example, a loan with no down payment, or significantly understated the interest rate. Debt payment is red in most cases, the more attractive loan terms, the more the likelihood that it has some trick.