What documents are needed for a car loan? List of documents

More and more people are taking out loans for large purchases. This is the simplest and right way to get what you want. Lending in Russia is actively developing. Every year, people are increasingly turning to banks to obtain such services. Credits are taken for personal needs, for treatment, and for the purchase of apartments. Quite often people agree to a similar transaction 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 car registration on credit? What are the requirements for the future debtor?

Ambiguity

To begin with, it is worth paying attention to the fact that there are two types of loans for a car. The first is issued in the bank, the second - in the car salon. Depending on the banking organization or the seller of the vehicle, the documents provided in this or that way may differ from each other.

Despite this, some list of securities is still the same under any circumstances. So what documents are needed for a car loan in a car dealership? And who has the right to receive such a service?

About the borrower

Loans are not issued to everyone. There are some limitations. And they must be constantly taken into account. Therefore, before you are interested in the list of securities, you need to understand whether a citizen has the right to car loans.

At the moment, the borrower is subject to the following requirements:

1. Age of the citizen. It is not enough to be of age. Credits for cars can be obtained only after 21 years. At the same time, you can not be a pensioner (60 or 55 years for men and women respectively).
2. Income. The borrower must necessarily have a job and a profit. And certain sizes. It depends directly on the loan amount and the duration of payments.
3. Citizenship. To think about what documents are needed to make a car loan, only a citizen of the Russian Federation can. Foreigners modern Russian banks and car dealerships do not provide loans.
4. Check in. A citizen who wants to obtain a loan for a car must be registered in the Russian Federation. And the registration or temporary registration is taken into account only in the city where the lending is carried out.

More precise information is recommended to be learned in a specific organization. This list can be expanded. But the listed items are binding for all borrowers.

Statement

What documents are needed for a car loan in the cabin? The first paper is a statement. It is presented in the form of a questionnaire, which the borrower will have to fill out. As a rule, you do not need to bring this paper in advance. The application form will be provided to the citizen directly in the car salon or financial institution.

What information is written in the application? Usually this:

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

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

Identification

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

As a rule, a civil passport is provided as an identity card. Only with it creditors work. Other identification cards are simply not accepted.

If there is no passport at the moment, you can use a temporary identity card. It is likely that the loan will be approved. But as practice shows, it is usually rejected. Therefore, it is recommended to wait for a new civil passport.

Copies that are attached to the identity card need not be certified. In the showroom or at the bank, employees will check the compliance of the proposed securities themselves. Therefore, with this component there are usually no problems.

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 organizations, as well as automobile salons.

The fact that a citizen can request copies and the original driver's license. You should not be surprised at this. After all, banks are unlikely to formalize a loan for a vehicle to someone who does not know how to drive. Driving license - a kind of confirmation of driving skills.

In order to receive it, you need to undergo training in specialized schools and take an exam. It consists of practice and theory. Once the driver's license is obtained, you can think about a loan for a car. Without this document, as already mentioned, not everyone approves of 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. What documents are needed to obtain a car loan? And anyway, any loan? Citizens must provide any information about their income. And indicate the sources of receipt of funds.

This is the biggest problem for citizens. After all, if the income in credit is insufficient, a person will be refused. And on legal grounds. As a confirmation of receipt of funds on a regular basis can serve:

• Certificate from work in the form of 2-NDFL;
• An extract from the bank account;
• Reporting in the tax on regular receipt nailed;
• Contract for the lease of property.

In any case, you will have to confirm the availability of income in certain amounts. If the borrower, in addition to salary, receives certain benefits, as well as scholarships, certificates of their accrual are also provided. And in the auto show, and in the banking company.

Stability is the key to success

Further it is necessary to confirm stability of the earnings. As practice shows, it is necessary to prove the time of work in the same place. It is usually required that a citizen work for at least 3-6 months continuously in the same organization. Either that he makes a profit during this period on a regular basis.

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

• Labor book;
• Certificate of registration of IP (if available);
• The lease of this or that property (if any).

Usually borrowers provide work books. You can ask them from the employer. At the request of the owner of the document is given without any problems. Thus, the greatest problem is the proof of sufficient income in the family.

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 the marital status. A citizen may be asked to:

• Certificate of marriage or divorce;
• Birth certificates for all minor children;
• Consent of the spouse (s) for the transaction.

The latter component often brings problems. After all, family money is a common property. Under the established rules, the husband or wife can complain and cancel the loan if they did not give him written consent. It is for this reason that some banks and car dealers request written permission from the second spouse for the transaction.

Other papers

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

• Medical policy of LCA or OMS;
• TIN of a citizen;
• Documents on education;
• Student references;
• SNILS;
• Contract for the purchase and sale of vehicles.

In the Savings Bank

And what if I want to use credit services from Sberbank? The requirements for the borrower remain exactly the same as those listed earlier. Many are interested in exactly what documents are needed. Car loan in the Savings Bank is made out in the presence of:

• A completed application form;
• Passport of the applicant;
• References and extracts indicating the registration (if the passport is not needed in the Russian Federation);
• Documents on the income of a citizen.

This is the minimum at which they offer a loan for consumer needs. And cars including. It is advisable to bring copies and originals of all previously listed papers. Then do not have to wonder what documents are needed for a car loan.