As soon as the person made the decision to purchase a car, a question where it is better to arrange the credit arises: at car sales center or bank? It should be noted that both methods are quite legal, but nevertheless it is worth studying everything more thoroughly all offered credit conditions.
As soon as the most convenient option is chosen it is possible to submit the application to the bank. If the salary is not too big it is possible to visit bank with a spouse. The credit expert will take into consideration the total family income. There is still such a concept as express crediting. Such request will be considered in 24 hours. But repayment on such credit will be much more expensive. It is noticed: the less time is spent for credit consideration the more unprofitable it is. Most often requests are considered within a week.
As soon as the request got approval by the bank it is possible to go directly to car sales center. Client has a lot of time for studying the range of cars. Request validity is usually some months. The car may be chosen deliberately, weighing up. Having chosen the car it is necessary to pay the first fee and the insurance on it. Don’t forget: the more money is paid for the car in case of the first payment, the less will be credit final commission percentage.
We recommend beware the credits which can be arranged having submitted a couple of documents without the reference confirming the fixed income. Such loans cost very much because of high percent and concomitant commissions. You shouldn’t also avoid the first fee.