Do not think that this service of processing the loan for the purchase of freight transportation to the Bank is rare. Just this type of lending has a lesser demand. Because trucks are often acquired by large and medium-sized companies involved in the transportation of goods. If you want to buy a truck, you can do this in one of three ways: on credit from the manufacturer, with a Bank loan or by leasing. When buying a car through a Bank you will need to contact the loan officer and provide the documents necessary for the issuance of funds. As a rule, banks require standard documents relating to your financial and legal situation and the preliminary contract of purchase and sale of the purchased truck.
The procedure for the granting of credit through a Bank is pretty simple. After you collect all the necessary documents, your application will consider credit Committee of the Bank. In the case of a positive decision you will be asked to pay an advance for the purchase of the car. If the Bank has certified that the funds for the car you made from the "own pocket" to your account or to the seller of the truck will transfer the balance of the loan amount, which you will later need to repay.
Note that you purchase the truck goes to the Bank to pledge as collateral on the loan, unless otherwise provided by the terms of the contract. The lack of Bank lending is the need to pay down payment. Almost all banks require advance payment in the amount of 10-30 % of the original cost of a truck.
You can also purchase a truck with a loan program available to the technology provider. In this case, the interest rate on the loan may even be lower than in the Bank, but the initial payment will be. In principle, a loan provider is no different from Bank lending. In this situation, the provider reports your debt to the Bank, with whom he signed a contract, which means that the money you repay the credit organization.
If you have no funds for a down payment, then you can purchase truck leasing. However, this form deals will cost more, because you get to use a ready-made car, gradually paying to the lessor. In other words, this use of the truck on loan with the subsequent transfer of ownership after making the final payment on the lease. In this case you will have to pay the interest on the lease, which will depend on the leasing term, your financial condition, the type of technology.
Trucks for sale in credit strong demand, allowing to buy a car in the property, and to pay cash for it by installments - in installments within a certain period of time in addition, the specified contract percentage. Express loans - truck loans for FE, PE, individuals
After the whole transaction a car is issued to the borrower. To buy on credit a truck, trailer or semi-trailer directly to the dealership that sells such equipment for more than seven years, and at the individual. The dealership takes the purchased equipment from the seller - a private individual on the Commission.
Advice 2: How to buy an apartment from a single mother
Real estate prices are growing year by year and not all families can afford to take a mortgage for the purchase of apartments. Lonely woman raising a child without a husband, it is even more difficult to purchase housing. But if her age did not exceed 35 years can become the participant of the Federal program "Young family – affordable housing" or "mortgage young family". In these programs can participate not only full of families, and young single parents of minor children.
You will need
- - the statement;
- - passport;
- - birth certificate of children;
- - proof of income;
- - certificate of inspection of living space;
- - certificate of absence of housing;
- - certificate on family composition;
- - a certificate of single mothers;
- - certificate of divorce (or marriage);
- - Bank account number.
To become a member of one of the programs, contact the Department of housing policy of the district administration that you belong at the place of residence.
Complete statement of the proposed form. Present your passport, birth certificate of the child or children, income certificate form 2-pit. In the program can participate fully and single-parent families with sufficient income to repay the mortgage loan or for payment of the remaining amount for housing. The grant awarded does not repay all costs for the purchase of housing.
Single-parent family with children is 40% of the cost of housing. Amount of allocated subsidies is revised annually to reflect market prices. In some regions, there is a social routine where you can get an additional 5% for each additional child.
In addition to these documents, you must provide a certificate of inspection of living space or the certificate of absence of housing, certificate of family composition, the identity of a single mother. If you are raising a child alone because of a divorce will require a divorce certificate. You also need to provide the Bank account number where will be listed the funds for the purchase of housing.
Many banks participate in the Federal program and are ready to give mortgage loan for the missing amount under the minimum percent.
In one month you will be informed about the production queue to participate in the program. If you match by age and income level for participation in the program and you have been informed about the positive decision, contact the Department and receive a certificate confirming your participation in the Federal program.
The program grants has been extended to 2015 to support young families and single parents with minor children.