Как купить бу автомобиль в кредит

Если вы решили купить авто бу в кредит, вы должны знать некоторые аспекты. Прежде всего, рекомендуется оценить автомобиль со стороны опытного эксперта на предмет его состояния.

Купить бу авто в кредит подразумевает следующие очевидные преимущества:

• Возможность купить машину в любое удобное время, и не ждать долго, пока появится нужная сумма. Продаются отечественные машины с пробегом (не более 5 лет) и иномарки (до 10 лет).

• Кредит часто предоставляется дешевле. Целевые кредиты стоят меньше, чем наличными под проценты .

• Возможность выбора из достойного ассортимента. Помимо экономии денег, рассмотрим качественный параметр объекта: обычно это «солидный» автомобиль, подходящей для ремонта и техобслуживания. Однако для покупателей без опыта возможны некоторые риски. Поэтому обращайтесь за помощью к более опытным знакомым.

Среди возможных недостатков такой покупки стоит перечислить следующие:

• состояние автомобиля, как залог для банка;

• небольшой выбор моделей в данном регионе;

• реклама CASCO и “предложение” ее оформить.

Для того чтобы сформировать наилучшие условия для транзакции, потенциальный покупатель должен предварительно изучить спектр предлагаемых автомобилей бу.

Но далеко не все автомобили можно оформить для покупки в кредит. Для очень старых машин это не получится. Почти всегда кредит предоставляется с первоначальным взносом и передачей объекта в залог кредитора. Компании обязывают принимать оформление КАСКО, независимо от других условий и срочности займа. Многие из этих вариантов, представленные ведущими компаниями, считаются очень накладными.

Вы можете купить авто бу в кредит в специализированном автосалоне, комиссия взимается через эту процедуру.

Но всегда надо помнить, что, несмотря на кажущиеся финансовые выгоды от такой покупки, клиент много теряет. Езженые автомобили быстро устаревают, их техобслуживание становится проблемой для владельцев.

Поэтому перед покупкой тщательно оцените все риски и выгоды, и свои возможность погашения долгосрочного кредита. И исходя из этого примите окончательное решение.

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