Mandatory documents for a car loan. What documents are needed to apply for a car loan? What documents are needed to apply for a car loan in a car dealership

At the moment, banks offer a very large selection of car loan credit programs with different offers that can help the buyer choose the most favorable conditions for buying a car and make his dream come true.

To every person who p I wanted to open a credit history When buying a car, you will certainly need to face the provision of a certain list of papers for a car loan. This is a prerequisite for taking out a loan. In fact, no bank can provide registration of a cash loan on credit without documentary evidence of income, place of residence and personality of a person.

What exactly is needed to obtain a car loan is determined by the central bank, therefore most often the list of documents is identical. An obvious difference can be observed if a loan is issued to an individual or legal entity. Taking into account the conditions and programs, it can be noted that you can take a car loan using two documents or only if you have a complete list of documents.

At the same time, many credit organizations can check for the presence of oversights, which were committed in the not very distant or distant past. It is possible to check for the mental state of the borrower (alcohol or drug use), criminal record, and also the presence of the need to pay alimony every month is not ignored.

After doing the necessary research, the lending company will decide whether to give you a loan to buy a car or not. That's why the buyer must be interested in himself in submitting the maximum number of documents to the bank, including proving his official salary, thereby giving a guarantee of his solvency. Only in this case you will not have any questions about where and how to get a car loan.

Most often this applies to legal entities, since the bank will be much more serious about studying the likelihood of cooperation with organizations, since we are already talking about a larger amount lending, and the peculiarities of obtaining income in this case, differ significantly from the situation with an ordinary consumer. With this in mind, you need to understand that a short decision-making time is nothing more than a simple marketing ploy to attract more people. The present deadline can be reported only after the complete collection of all data by the banking organization. So, what is the list and what documents are needed for a car loan?

List of documents for individuals

For individuals it will be it is much easier to take out a loan, if the borrower receives a salary in the same banking organization in which he wants to take a car loan. In this situation, the buyer will not need to submit a certificate of their income. At the same time, for holders of salary cards, many banking organizations provide some benefits or discounts when applying for a loan.

But what list of documents is needed in the case when the borrower receives his salary in another bank or does he have no official salary at all? And also when is the borrower (or borrower) married with children?

The main list of documents for a car loan:

Also the banking organization may require an additionally defined list of documents:

• Documentary evidence of outstanding obligations (alimony, loan agreements);
• Copies of documents confirming additional income (rent payments, dividends);
• Copies of certificates of education, certificates, diplomas;
• A short description in any kind of your professional work that you do;
• Certificate of income of other family members;
• Copies of documents confirming the participation of the organization in the authorized capital, etc.

Banking organizations such as Sberbank of Russia, VTB 24, RusFinance Bank, UniCredit Bank, Credit Europe and Raiffeisenbank can issue a loan, both with and without a driver's license. And, for example, UralSib Bank will only require a driver's license for the second document. You can also take a car loan without providing insurance, but in this case the interest rates will be much higher.

List of documents for people who are married and in whose care there are children:

It is necessary to take into account the fact that this indicative list of documents, which is often requested for a bank loan for the purchase of a vehicle. As mentioned above, some credit companies practice issuing a loan based on only a few documents. A more complete list of required documents must be obtained directly from the creditor bank.

What documents are needed to obtain a loan at a car dealership?

Documents required by a car dealership for a car loan:

• Borrower questionnaire;
• Statement;
• Driver's license (many car dealerships do not require a minimum driver's experience, that is, having received a license, you can immediately purchase a vehicle on credit);
• Passport.

The documents for a loan at a car dealership and the bank are significantly different. It is all the more problematic to provide a certificate of real wages, since today citizens often receive wages "in an envelope". In addition, some car dealerships may require proof of ownership of the property.

Wherein during loan processing at a car dealership there are certain disadvantages. The main disadvantage is the higher interest rate. When applying for a loan in a banking organization, it will be approximately 8-14%, while a car dealership requires at least 17%, and sometimes all 24-27%. Therefore, you need to think about where it is more convenient for you to take a car loan.

Moreover, banks most often do not give loans for cars until 1998... release. Some car dealerships do not make these restrictions and give loans for cars of different years of production.

The crediting period can be from 6 months to 5 years. A car loan can be issued in euros, dollars and rubles. The interest rate will also depend on the type of currency. A loan in rubles will be 5-9% higher than a similar one, but in dollars.

List of documents required for legal entities

Before taking a car loan, it is advisable for an organization to address first exactly to the bank in which her current account is located. In this case, it is not required to submit the constituent documents. But if the organization does not have this account and it is interested in how to get a car loan, then this bank must open a legal case, taking into account the documents that confirm the fact that the borrower is registered as a legal entity.

Documents (photocopies) for opening a current account for legal entities:

After submitting this list of documents, the bank will carry out the necessary checks on the credit history and the presence of various claims, as well as the actual existence of the organization. The security service will be obliged to check managers for bad credit or criminal records. If the organization was opened less than one year ago, then, according to the requirements of the Central Bank, organizations may be refused a loan. If the company has a rather complex structure, then the banking organization will need to check the packages of documents of the founders who are involved in the conduct of this business. In other cases, it will be necessary to provide only reporting documents.

List of documents for legal entities with a current account for obtaining a car loan:

Complementary list

Apart from all these documents, the banking organization has the right from the borrower to require additional documents:

• Certificate of income for the current and last tax year;
• A copy of the lease agreement for the premises;
• Required patents or licenses to carry out professional activities.

We must not forget that these lists of documents that are most often requested are approximate. The exact list must be found out from the lending banking organization. And also pay attention that the period for consideration of an application can range from several hours to one month, therefore, in order to increase the chances of obtaining a loan, it is better to submit documents simultaneously to several different banks.

Hello, Ilya Kulik is with you. Since you are reading this article, you are probably going to take a car on credit. I am ready to please you - it is not difficult, but if you do not want to go to the bank ten times and waste your time there, then it is better to prepare a few papers in advance. So, read and remember what you need for a car loan! Go!

At the stage of filing an application with the bank, try to collect a complete package of documents - this will prove to the bank the seriousness of your intentions. Another strong argument in your favor will be a good credit history from previous years.

What documents are needed when applying for a car loan:

• Russian passport will be the main document without which your application will not be accepted. It is not necessary to provide the original, a photocopy is enough, but it must contain all pages with photos, text and marks of state bodies (registration, marital status, etc.);
• Application form according to the form of the bank with your personal data: marital status, place of work, income, information about the property owned.
• Second document your choice: driver's license, military ID or passport;
• Copy of work book, which must indicate the length of service in the last place for at least six months;
• Help 2-NDFL from the place of work, containing the amount of your earned income for the last year.

The application can also be submitted through the bank's website, however, you still have to carry the documents to the bank in person. I must say right away - when filling out the questionnaire, do not try to embellish the real state of your financial affairs. Overestimation of income, a statement about property that you do not have, hiding information about active loans - all this is quite easily verified by the bank, after which you may have problems obtaining a loan.

In addition to the above list, the bank often requests:

• TIN certificate;
• A statement from the borrower's personal bank account;
• Ownership documents other property (real estate, car, land), if you indicated this in the questionnaire. It is in your interests to present these documents to the bank - this will additionally confirm your solvency;
• Marriage certificate and copy of the spouse's passport if you are married (married);
• Second spouse permission for the purchase of property on credit.

Albeit very rarely, but still the bank sometimes asks to provide:

• A copy of the diploma of higher education;
• A copy of the compulsory medical insurance policy.

Verification of all documents will take up to several days. First, your data will be assessed by a special algorithm that will determine your solvency rating, after which the documents will be reviewed by the bank's loan officer.

If the bank decides that only your finances are not enough to pay off the loan, then it will offer to look for a co-borrower or guarantor for obtaining a loan. They will be responsible for the loan debt if you are in trouble with money. If this option does not suit you, then you can offer the bank a collateral in the form of real estate that you own.

If the bank has satisfied your application for a loan, then you have from 1 to 6 months to complete the purchase of a car and conclude all the necessary agreements.

Car loan for a borrower without a driver's license

Not so long ago, the question of whether it is possible to take out a loan for a car without a license seemed absurd. But times have changed, and banks, competing for the attention of buyers, have become easier to treat customers without a driver's license. Non-licensed buyers are divided into several categories:

• Purchase a car as a gift;
• They buy a car just when they are going to study at a driving school;
• They are planning to hire a personal driver.

In any case, banks consider such a loan to be more risky than a loan to a person entitled to drive a car. This is reflected in a higher down payment and a higher interest rate on the loan.

Car purchase registration

A bank-approved application is only half the battle. Ahead of you are a trip to a car dealership, a choice of a model and a complete set of a car, the conclusion of sales and purchase agreements, insurance and registration of a car as a pledge. Let's leave aside the process of choosing and checking a car and consider in detail the paper side of the issue.

Conclusion of a car sale and purchase agreement

A passport of a citizen of the Russian Federation is the only document that will be required of you when drawing up a contract for the sale of a car. The salon employee will enter your data into the form and give you the documents for signature. Do not succumb to the euphoria of the upcoming purchase - the contract for the purchase of such an expensive thing as a car must be read carefully, preferably twice.

Pay attention to subtle signatures at the bottom and top, information in small print, and more. If the contract is drawn up in a complex legal language, and you are confused in the wording, do not be too lazy to resort to the help of a knowledgeable friend or hired auto lawyer.

The following things must be clearly spelled out in the contract:

• Complete information about the purchased vehicle: brand, model, body color, equipment, serial numbers, etc .;
• Full car price and payment terms... If the car is purchased on order, delivery times must be specified;
• Warranty service rules- an important thing that the buyer often does not pay attention to at first, and then regrets when the salon refuses to repair, referring to any clause of the contract;
• Return conditions... By law, you have 15 days to return a car with a detected defect and get the money back in full. But the contract may contain other conditions, for example, on withholding a penalty when returning a car. By signing without looking, you agree to these conditions, after which it will be difficult to dispute them;
• Seller Information... At the beginning and at the end of the contract, the data of the persons and organizations with which you conclude the contract must be specified. All necessary seals and signatures of the seller must be present. Only a properly executed contract will have weight in court, in the event of a judicial settlement of disputes.

At the stage of concluding a sale and purchase agreement, you make an initial payment of 10-50% of the cost of the car. But if you have chosen a loan program without a down payment, then this step is skipped.

By concluding a purchase and sale agreement, you will receive 2 sets of keys, PTS and a service book in your hands. Then you need to buy a comprehensive insurance policy and conclude credit and collateral agreements.

Execution of a loan agreement

In order for the bank to transfer money to the car dealership, it is necessary to conclude a loan agreement with the bank. To do this, you must provide the following set of documents:

• Contract of sale vehicle;
• Copy of the TCP;
• Help-account about the total cost of the car;
• Receipt for payment of the first installment if provided;
• Casco insurance contract;
• Insurance premium payment document for a comprehensive insurance policy, or, if the price of a comprehensive insurance is included in the credit, an invoice to pay for insurance.

A car loan agreement may include a number of controversial or outright illegal terms. What to look for, so that you can find out from Federal Law No. 353-FZ of 12/21/2013 "On consumer credit (loan)", or by consulting a competent lawyer.

Registration of a pledge agreement for a car

Transfer of a car as a pledge to a bank is an integral part of any car loan. The car itself will remain in your use. If your financial situation worsens and you miss one or more payments, then in accordance with Part 1 of Art. 334 of the Civil Code of the Russian Federation, the bank will have the right to demand that you transfer the pledged property to it. The bank employees will already be selling the car to raise money.

The pledge agreement is drawn up on the basis of the following documents:

• Auto sales contract confirming the transfer of ownership of the car to the borrower;
• Vehicle passport, which will remain in safe custody at the bank's office as an actual pledge;
• Help-invoice from the car dealership confirming the value of the car;
• Consent of the second spouse to transfer property as collateral or application of the borrower that at the time of purchase of the car he was not married.

Purchase of a comprehensive insurance policy

Pick up the car in the showroom

Having concluded all the contracts, you just have to wait for the bank to transfer the rest of the cost of the car to the account of the car dealership. The bank transfers the money within a few days, the exact period must be specified in the car sale and purchase agreement. Take this time to take, without which you will not be able to leave the dealership.

You can keep the TCP for up to 15 days. During this time you need. After that, be sure to hand over the TCP for safekeeping to the bank, otherwise you will be fined by the bank.

Summing up

• Obtaining a car loan is a multi-step process, each of which will require its own set of documents;
• Provide the bank with as many documents as possible when submitting an application- by doing this you increase your chances of getting the required amount approved at a minimum percentage;
• You will have to draw up several contracts: purchase and sale agreement, casco insurance agreement, loan agreement and pledge agreement. Be careful when concluding each of them, use it in case of difficulty;
• After completing all contracts, hand over the TCP for storage to the bank, if this is required by the pledge agreement;
• Do not forget about the CTP policy for your new car. Sign it while they wait for the money to be transferred from the bank.

Conclusion

Now you are familiar in detail with what documents you will need at each stage of car loan registration. I am sure you will succeed! If you have any questions - you are welcome in the comments for the consultation. See you soon, friends!

The question of what documents are needed for a car loan arises before each potential borrower. Despite the variety of banking programs, the list of documents required to purchase a car on credit is almost identical. It is important for the bank to receive guarantees of the return of funds, the applicant must confirm and justify his solvency, on the basis of this, a package of documents is formed for obtaining borrowed funds. It is worth noting that at present in some banks you can get a car loan using two identity documents, usually a passport and some other (driver's license, certificate of compulsory pension insurance, etc.), but this simplicity of requirements and conclusions the contract is usually offset by an unreasonably high interest rate. Other banking products for car loans are more in demand. The more requirements the bank makes to confirm the applicant's financial position, the more favorable the terms of the loan agreement for the borrower, as a rule.

Basic documents for obtaining a car loan

Any bank issues a loan only to such a borrower, whose income is stable and constant, and it is desirable, of course, that he remain so for a long time - until the expiration date of the contract.

Therefore, almost all banks require documents for a car loan, which contain information about the applicant's employment and financial condition:

1. Labor book.
2. Certificate of income.

These documents for a car loan are the main ones; on the basis of them, the bank decides on the provision of funds.

In this case, the borrower must work in the last place for at least 6 months. Requirements for the design of these copies and certificates for a car loan are standard: all pages of the work book are copied and each is certified with the seal and signature of the employer. The income statement is usually filled in according to the 2-NDFL form, but many banks do not impose strict requirements on its registration, the main condition is that reliable information on wages for the last 6 months, certified by the head, is provided.

Not all potential borrowers are employees, and some work part-time, in this case employment and income are confirmed by copies of contracts for the performance of services, works, etc. Individual entrepreneurs confirm their solvency with copies of income declarations for the relevant period.

The list of necessary documents for a car loan is not limited to this.

It is also mandatory and required by all banks, without exception, to have registration at a permanent or temporary place of residence. If the registration is temporary, the term of the agreement will not be longer than the registration period.

Additional documents required for obtaining a car loan

To apply for a car loan, other additional, but also necessary copies and applications are required. The identity of the applicant, as a rule, is certified by the provision of a passport of a citizen of the Russian Federation, many banks request a second identity document, most often a driver's license is required.

In each bank, when submitting documents for applying for a car loan, an application and a borrower's questionnaire are filled out. All information in them is indicated reliable and up-to-date at the time of filling out, if necessary, you can get advice on filling out from a specialist, but usually this formality does not cause difficulties.

To obtain a car loan, you will also need to provide documents on the purchase of a car (a copy of the sales contract, receipt of funds or invoice, if the car is purchased at a car dealership). As well as confirmation of the fulfillment of the bank's requirements for compulsory insurance of a vehicle as a subject of pledge: a CASCO agreement, a receipt for payment of the insurance premium or part of it.

If a car is purchased on credit by a married citizen, it will be necessary to notarize the consent of the second spouse to such a transaction.

Thus, you can create the following package of documents for a car loan (basic):

1. Passport of a citizen of the Russian Federation with registration or certificate of temporary registration.
2. Driver's license.
3. Application and questionnaire.
4. Documents about the financial position, income and employment of the borrower.
5. Additional documents confirming the purchase and fulfillment of all bank requirements.

This list is not universal and complete, the requirements of banks can be varied depending on the object of the agreement, it carries information about the basic requirements.

A wide variety of loan offers are available to modern borrowers.

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Each loan program is different:

• unique requirements for the borrower to receive funds;
• the minimum package of documents required for registration;
• other conditions, among which the maximum amount, interest rate and permissible loan terms can be distinguished.

Getting a loan

• Russian passport;
• certificate of income;
• a certified copy of the work book.

Some banks may require the provision of additional collateral for the loan, as well as surety from third parties.

There are special offers for those who want to get a loan without proof of income, but the conditions in such a situation will be less favorable.

Conclusion of a contract

If we talk about what you need to take a car loan, then you cannot do without the need to sign a loan agreement. It regulates the rights and obligations of the parties, and also contains detailed information on the terms of lending.

Most banks give their borrowers the opportunity to view a sample loan agreement on the website.

Studying the loan agreement will help to avoid problems with the bank at the stage of debt repayment.

Debt payment procedure

The borrower needs to pay off the debt every month in equal payments. The amount of the monthly payment and the repayment schedule are specified in the contract.

In most banks, you can return funds ahead of schedule without overpayment. In such a situation, interest is recalculated taking into account the actual term of the loan.

Each bank has its own methods of making payments, but in most cases, you can repay the debt in the following ways:

• at the cash desk of any bank;
• in self-service terminals;
• in electronic payment systems;
• by means of a money transfer to a credit account.

Advantages and disadvantages

If we talk about what is needed for a car loan, it is also worth mentioning the advantages and disadvantages of such a service.

Pros:

• a car loan allows you to split a fairly large purchase price into several payments of an affordable size;
• a wide variety of loan offers allows you to choose the most suitable for different categories of borrowers;
• trustworthy borrowers can get a car loan on the most favorable terms;
• flexible loan terms.

More and more often people take out loans for large purchases. This is the easiest and surest way to get what you want. Lending in Russia is actively developing. Every year more and more people turn to banks for such services. Loans are taken for personal needs, and for treatment, and for the purchase of apartments. Quite often people agree to such a deal in order to buy a car. Especially when it comes to a new vehicle. But what documents are needed for a car loan? How and where to apply for a car loan? What are the requirements for a future debtor?

Ambiguity

To begin with, you should pay attention to the fact that there are two types of car loans. The first one is drawn up in a bank, the second - in a car dealership. Depending on the banking organization or the seller of the vehicle, the documents provided in this or that case may differ from each other.

Despite this, a certain list of securities is still the same under any circumstances. So what documents are needed for a car loan at a car dealership? And who is eligible for such a service?

About the borrower

Loans are not given to everyone. There are some restrictions. And they must be taken into account constantly. Therefore, before taking an interest in the list of papers, you need to understand whether a citizen has the right to a car loan.

At the moment, the following requirements are imposed on the borrower:

1. Citizen's age. It's not enough to be an adult. Car loans can be obtained only after the age of 21. At the same time, you cannot be a pensioner (60 or 55 years for men and women, respectively).
2. Income. The borrower must have a job and a profit without fail. Moreover, a certain size. It depends directly on the loan amount and the duration of payments.
3. Citizenship. Only a citizen of the Russian Federation can think about what documents are needed to apply for a car loan. Modern Russian banks and car dealerships do not provide loans to foreigners.
4. Registration. A citizen who wants to get a loan for a car must be registered in the Russian Federation. Moreover, registration or temporary registration is taken into account only in the city where the lending is carried out.

Statement

What documents are needed for a car loan in a showroom? The first paper is a statement. It is presented in the form of a questionnaire that the borrower will have to fill out. As a rule, it is not required to bring this paper in advance. The application form will be provided to the citizen directly in the car dealership or financial institution.

What information is written in the application? Usually this:

• about the borrower;
• personal information about the person who applied for a loan;
• information about the car;
• loan data;
• sources of income and their amount;
• the marital status of the citizen.

But this is just the beginning. What other papers are required to be provided in this or that case, if you need to get a loan for a vehicle? In reality, everything is not as difficult as it seems. If you prepare in advance, then there will be no problems with the list of papers.

Identification

The next important document is the citizen. It is necessary to provide not only its original, but also copies. All pages on which there is at least some information are taken into account.

A civil passport is usually provided as proof of identity. Only lenders work with him. Other identification cards are simply not accepted.

If you do not have a passport at the moment, you can use It is likely that the loan will be approved. But as practice shows, it is usually rejected. Therefore, it is recommended to wait for the receipt of a new civil passport.

The copies that are attached to the identity card do not need to be certified. In a car dealership or in a bank, employees themselves will check the compliance of the proposed papers. Therefore, there are usually no problems with this component.

Driver's license

What documents are needed for a car loan? The next item is optional. More precisely, it is absent in the requirements of some financial institutions, as well as car dealerships.

The fact is that a citizen can be asked for copies and the original of a driver's license. You shouldn't be surprised at this. After all, banks are unlikely to take out a loan for a vehicle for someone who does not know how to drive. A driving license is a kind of confirmation of driving skills.

In order to get it, you need to go through training in specialized schools and pass an exam. It consists of practice and theory. Once the driver's license is obtained, you can think about a car loan. Without this document, as already mentioned, not everyone approves lending. The probability of failure is high.

Income and its sources

But that's not all. Now it is worth paying attention to the most important point. Any loan anyway? Citizens must provide any proof of their income. And indicate the sources of receipt of funds.

This is the biggest problem for citizens. After all, with insufficient income, a person will be denied a loan. And on legal grounds. As confirmation of receipt of funds on a regular basis, the following can serve:

• certificate from work in the form of 2-NDFL;
• bank account statement;
• reporting to the tax office on regular receipt of nailed;
• property lease agreement.

In any case, you will have to confirm the presence of income in a certain amount. If the borrower, in addition to the salary, receives certain benefits, as well as scholarships, certificates of their accrual are also provided. Moreover, both to a car dealership and to a banking company.

Stability is the key to success

Then you will have to confirm the stability of your earnings. As practice shows, it is necessary to prove the time of work at the same place. Usually it is required that a citizen has worked for at least 3-6 months continuously in the same organization. Or so that he makes a profit during the specified period on a regular basis.

What documents are needed? You can take a car loan if a citizen brings copies and originals with him:

• work book;
• IP registration certificate (if any);
• lease agreement for this or that property (if any).

Borrowers usually provide work books. You can request them from your employer. At the request of the owner, the document is handed over without any problems. Thus, proving sufficient household income is the most problematic.

Family status

What documents are needed for a car loan? The following papers are optional, but they are required quite often. It is about confirming marital status. A citizen may be asked to:

• marriage or divorce certificate;
• birth certificates of all minor children;
• the consent of the spouse (s) to carry out the transaction.

The latter is often problematic. After all, family money is a common property. According to the established rules, a husband or wife can complain and cancel the loan if they did not give written consent to it. It is for this reason that some banks and car dealerships ask for written permission from the second spouse to carry out the transaction.

Other papers

What documents are needed to obtain a car loan? The main list of securities is already clear. Additionally, you may find it useful:

• medical insurance VHI or compulsory medical insurance;
• TIN of a citizen;
• educational documents;
• student references;
• SNILS;
• contract for the sale and purchase of a vehicle.

At Sberbank

But what if you want to use lending services from Sberbank? The requirements for the borrower are kept exactly the same as previously listed. Many are interested in exactly what documents are needed. A car loan in Sberbank is issued if there is:

• a completed questionnaire of the established form;
• applicant's passport;
• certificates and extracts indicating registration (if you have a Russian passport, they are not needed);
• documents on the income of a citizen.

This is the minimum at which a consumer loan is offered. And cars as well. It is advisable to bring copies and originals of all previously listed papers with you. Then you don't have to think about what documents are needed for a car loan.