You will need
- In order to test the machine, you need to:
- -the documents certifying the identity of the owner;
- is the owner himself.
With the rapid growth of car credits due to the increase in fraudulent activity. Particularly unscrupulous people sell cars, borrowed and loaned by the Bank, as the loan is not repaid. And after a while come to the buyer representatives of the Bank and require repayment. Often the new owner of such a visit is a very unpleasant surprise. It is therefore necessary to carefully before you purchase to check the credit machine or not. To a sure indication that the car is pledged are the price, the documents and the behavior of sellers. Cheerleaders in the first place, should what the price of the machine will be 10-15% below average market value of similar cars. Besides the mileage it will be minimal. And in the title you can search indicate that it is re-issued. If the machine is still "young" so it's literally 1-2 years, then a duplicate should be alerted. And this is due to the fact that the Bank takes possession of the original title until the final repayment of the debt. And the fraudsters have no choice how to write the application in traffic police about the loss of this document and obtaining a duplicate.
In addition, you need to look at the configuration of the car. Usually there will be only what is set at the factory when picking a car. That usually put "me" b/a loan machine most likely will not.
Another way to find out is not in the pledge is the vehicle via the Central catalogue of credit histories. In order to obtain the information you need to know the passport data of the owner of the car. Very detailed information you receive, but you will learn something that interests you. Namely, whether hanging on this person a loan, the collateral of which is a sold car. To obtain this information for free once a year.
Another option is to go with the owner in the official dealer center. To obtain detailed information on the subject of whether the vehicle is purchased on credit, its first owner.
Naturally, in order to sell the credit machine, you first need to find a buyer. Here you can go two ways: to search for wants to buy your credit car or to contact a specialized firm, which can be in the shortest possible time to sell a car loan. As soon as the "client" is found, notify the Bank about the desire to close the loan question.
Well, if you have enough money to buy a second car, though, why did you take the first car loan? If there is no money, the situation becomes much more complicated. To purchase a new machine, sell the old one. So after all how can you sell a car loan? As in most cases – there is a solution. We proceed from the fact that we are law-abiding citizens, and therefore the output will look legitimate.
Advice 2 : How to check a car on credit
Buying a car, usually many buyers check whether it is not stolen. But listed the car loan or not, is determined much less frequently. There are several recommendations that need to pay attention, not to become the owner of the car purchased by someone on credit.
With the tremendous growth of the loans to buy a car due to the increase in fraud. Particularly unscrupulous people offer cars that are made in the loan and in the collateral as the Bank when the loan is not repaid. And after some time to a new owner come the staff of the Bank and need to repay. Often the buyer of such a visit is becoming quite an unpleasant surprise. That is why we must carefully before you purchase to check the car on the availability of credit.
To important signs that the car is pledged, the documents date, price and the behavior of sellers. In the first place, cause for concern should be that the cost of the machine will be 10-15 percent below the average of the cost of other similar models. Besides, it will have low mileage. And in PTS, you need to search for instructions that issued it again. If the car is still "young", that is, he literally 1-2 years, should be wary of duplicate. And this is due to the fact that a credit institution takes possession of the original title until full repayment of the debt. And the crooks are left with no choice but to apply to the traffic police about the loss of the document and the request to issue a duplicate.
In addition, it is important to examine the configuration of the car. As a rule, there should be only installed at the factory during Assembly of the machine. Parts that usually put "me" b/a loan car, probably will not.
Another way to find out is the car as collateral – check for it in the Central catalogue of credit histories. You have provided such information, it is necessary to know the passport data of the owner of the machine. Enough detailed information you receive, but know that you are really interested in. Namely, is there a current loan on this person, the collateral which is the car offered. Keep in mind that to obtain such information free of charge once a year.
Another option is to visit with the owner of the authorized dealership. And is already in place to get more information on the subject of whether the car is purchased on credit, its first owner.
Advice 3 : How to know credit car or not
Due to the rapid growth of lending for the purchase of vehicles is increasing and the number of fraudulent actions. Unscrupulous citizens who do not pay the loan for the car, try to sell it, and if successful, the outcome of the case customers face a lot of problems. So before purchasing car you should carefully check, credit or not.
One of the most common ways of testing a car for collateral in the Bank is the use of VIN-code. To do this, go online and look for websites offering this service, with compensation. Then, the corresponding line on the website, enter the VIN number of the car that you want to check. If he is in the pledge, the screen shows information about the Bank and the date of termination of the Deposit.
A sure sign that the car is pledged to the Bank: the price, the documents and the behavior of sellers. Guard, if the cost of selling the machine at 10-15% below the average value of similar cars. View title if it is stamped "Duplicate", and the car is still "young", think about it, because banks when issuing loans take the original title until full repayment of the debt.
Let's see how the picked car. As a rule, the credit machine will be factory equipment. What is "for itself" is likely to be absent, for example, radio, alarm, etc.
To see the car as collateral the Bank or not, please contact "the Center of credit histories", located in your city or in OJSC "National Bureau of credit histories", which is located at the address: Russian Federation, Moscow, Skatertny pereulok, Dom 20, building 1, phone: 8(495) 221-78-37. To get the information you will need to provide passport details of the owner of the vehicle. This can be obtained free of charge and not more than 1 time per year.
In addition, whether a car loan are available in the official dealer center. For this we turn to his staff along with the owner of the car, they will provide you with all necessary information including car was decorated in a credit to her previous owners.
Advice 4 : How to check does the car
Sometimes people, buying a car, learn what he pledged as collateral for the loan and is the property of the Bank. Unfortunately, by law, it must be extracted and returned to the actual owner. How can I check the vehicle is in the pledge or not?
The problem of secured car
Where are these cars? Their appearance is quite simple. The vehicle is purchased on loan and serves as its collateral being pledged to the Bank. If the buyer is unable to repay the loan, the car takes the pot, which is its actual owner.
Some unscrupulous people sell this car to another person without notifying him of the fact of the Deposit. Some time later, the Bank finds a new owner picks up the car. The money the victim never returned.
If you consider law enforcement, it is possible to see that the courts in most cases take the side of the banks, leaving victims alone with the problem. In such a situation, you can try to sue the scammer, but the chances to recover the lost money a bit, especially if the car has passed through several hands.
How to check a car for collateral
The biggest chance to buy a similar car from those buying cars on the secondary market. But even buying in the salon of the official dealer is warranted to be free of encumbrances.
Verification of legal purity of the car should start with the study of PTS. Many banks are giving loan on the car, take the buyer of the passport of the vehicle. The absence of this document from the seller shall be cause for rejection of the purchase.
However, most of the scammers are in the traffic police a duplicate title, claiming the loss of the original. If you buy a relatively new car, and instead of the original title will show the duplicate, it should alert you and prompt to conduct a thorough review. Unfortunately, not all banks take the original document, so its presence should not put you at ease.
Another reason for concern is the frequent change of owners. If you see that in six months the machine several times passed from hand to hand, it can serve as an indirect indication that the car is pledged. Some people, upon learning that the car is laid, prefer it to sell quickly.
Ask the seller with the documents certifying the fact of payment of the machine. It may be a contract of sale. If the car was bought in the salon, ask for a receipt or cash receipt proving the payment. You can ask the dealer financial documents and learn the history of cars. There you can tell about how to buy the car in cash or issued loan.
Banks issuing car loans, in most cases, require the execution of policies hull. If the seller has such a policy, ask to show it to you. Note the column "Beneficiary", which identifies the beneficiary. If there is specified the Bank, the car was borrowed.
It is advisable to check the car online database. Today, the Internet has several services that VIN code of the vehicle can give information about it, including to report the fact of the Deposit.
Try to get to know the credit history of the seller. A long and hard way is to send requests in Russian banks. There is an easier way — now the citizens information is available in the Central catalogue of credit histories. Knowing the passport data of the seller, you will be able to request the presence of his debts. If he took out a loan to buy a car, this information should be reflected there.
Recently, on the basis of the Federal notary chamber was established the Registry of notifications about pledge of movable property, in which banks can submit information about the pledged cars. Unfortunately, this procedure for credit institutions is not mandatory, so not all of the problematic cars enter the registry.