What documents are needed for auto loan? A list of documents

More and more people take out loans for larger purchases. This is the simplest and surest way of obtaining the desired. Lending in Russia is actively developing. Every year people are more and more turning to the banks for obtaining such services. Loans taken for personal needs, for medical treatment, and for the purchase of apartments. Quite often, people agree to such a deal in order to buy a car. Especially if we are talking about a new vehicle. But what documents are needed for auto loan? How and where to contact for obtaining the car loan? What requirements must the debtor comply with the future?

Ambiguity

To get started is to draw attention to the fact that there are two types of loans on the car. First issued in the Bank, the second - in the automotive interior. Depending on the banking organization or of the seller of the vehicle, the documents to be submitted in a particular case may differ from each other.

Despite this, some list of papers is still the same under any circumstances. So what kind of documents need for auto loan in the dealership? And who has the right to receive similar services?

About the borrower

Loans are not for everyone. There are some limitations. And they must be addressed constantly. Therefore, before interested in the list of securities required to understand whether the citizen is eligible for the loans.

At the moment, the borrower to put forward the following demands:

1. Age of the citizen. It is not enough to be an adult. Car loans can be obtained only after 21 years. This is not to be retired (60 or 55 for men and women respectively).
2. Income. The borrower should be required to have a job and income. And of a certain size. It depends on the loan amount and duration of payments.
3. Citizenship. To ponder what documents are needed for processing the loan, it can only be a citizen of the Russian Federation. Aliens of modern Russian banks and auto lending is not provide.
4. Registration. Citizen who wants to make a loan on the car must be registered in the Russian Federation. Moreover, the residence permit or temporary registration is counted only in the city, which is lending.

For More accurate information it is recommended to learn in a particular organization. This list can be expanded. But the listed items are binding for all borrowers.

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Statement

What documents are needed for loan in the cabin? The first paper is a statement. It is presented in a form that the borrower needs to fill. As a rule, aren't required to bring this paper. A standard questionnaire will be provided to the citizen directly at the car dealership or financial institution.

What information is written in the statement? This is usually:

• Passport data of the borrower;
• Personal information about the person who applied for credit;
• Machine;
• Information about the loan;
• Sources of income and their amount;
• Marital status of a citizen.

But this is only the beginning. What kind of paperwork is required to provide in a particular case, if you want to make a loan on the vehicle? In fact it is not so difficult as it seems. If to prepare in advance, then no problem with listing the securities will not be.

Identification

The Next important document is the identity card of the citizen. It is necessary to provide not only original, but copies. Include all pages that contain at least some information.

As the ID usually is your passport. Only work with it's creditors. Other ID is simply not accepted.

If a passport at the moment, you can use a temporary ID. It is likely that the loan will approve. But as practice shows, usually it is rejected. It is therefore recommended to wait for a new passport.

Copies of which are attached to the ID, to assure there is no need. In the showroom or in the Bank staff will check the compliance of the offered securities. Therefore, this component usually there is no problem.

Driver's license

What documents are needed for auto loan? The following paragraph is optional. More precisely, it is not in compliance with certain financial institutions, as well as car showrooms.

The fact that a citizen can request copies of the original driving license. This should not be surprising. After all, banks are unlikely to loan the vehicle to someone who does not know how to drive. Driver's license - a kind of confirmation of driving skills.

In order to get it, you want to study in specialized schools and pass the exam. It consists of practice and theory. As soon as the driver's license is obtained, you can think about the loan for the car. Without this document, as has been said, not everyone approves lending. High probabilityfailure.

Income and sources

But that's not all. Now it is necessary to pay attention to the most important point. What documents are needed for auto loan? And in General, any loan? Citizens need to submit any information about their income. And specify the sources of funds.

This is the biggest problem for citizens. After all, when there is insufficient income in the loan person refuses. And legally. As confirmation of receipt of funds on a regular basis may be:

• Help work on form 2-NDFL;
• Statement of account in the Bank;
• Reporting to the tax on regular getting nailed;
• The agreement on the lease of property to rent.

In any case have to confirm the availability of income in certain amounts. If the borrower, in addition to salary, receives certain benefits and scholarships, information about their calculation is also provided. And in the showroom, in the banking company.

Stability - the key to success

Then you have to confirm the stability of their earnings. As practice shows, it is necessary to prove the time at the same place. This usually requires that the citizen worked for not less than 3-6 months continuously in one and the same organization. Or to profit over a specified period on a regular basis.

What documents are needed? To take the loan, if the citizen will bring copies and originals:

• Employment record;
• Certificate of registration of individual entrepreneur (if any);
• The contract of lease of a particular property (if any).

Normally provide borrowers employment record. These can be requested from the employer. At the request of the owner of the document is given without any problems. Thus, most of the problems gives proof of sufficient income in the family.

Marital status

What documents are needed for auto loan? The following papers are optional, but they require quite often. We are talking about proof of marital status. A citizen may ask:

• Marriage certificate or divorce;
• Birth certificates of all minor children;
• The consent of the spouse () on transaction.

The Last component often brings problems. Because the family money is common property. According to the rules the husband or the wife can complain and cancel the loan if they did not give a written consent. For this reason, some banks and car dealers are requesting written permission from the spouse to the transaction.

Papers

What documents are needed for auto loan? Main list of papers is already clear. Additionally can be useful:

• Medical VHI or MHI;
• INN of the citizen;
• Documents on education;
• Help students;
• Social security number;
• A contract for the sale of the vehicle.

Sberbank

What to do if you want to use the services of a loan from Sberbank? Eligibility requirements remain the same as were listed earlier. Many are interested in exactly what documents are required. The loan in the savings Bank issued in the presence of:

• Filled questionnaire of the established sample;
• The applicant's passport;
• References and statements that indicate residence (if the passport of the Russian Federation is not necessary);
• Documents on the income of the citizen.

This is the minimum at which offer a loan on consumer needs. And cars including. It is advisable to bring copies and originals of all previously listed securities. Then you won't have to think about which documents need for auto loan.