If you want to buy an expensive car from a showroom and still plan to get comprehensive insurance, you should look at offers for car loans. Perhaps you will find a special program for a specific model and will be able to get a car loan at a low interest rate.
Targeted consumer loans are recommended for borrowers with a not very good credit history. A pledge on the purchased car reduces banking risks and increases the likelihood of approval.
For a used car, things are not so clear-cut. Drivers themselves often prefer non-targeted loans, since they do not require collateral or comprehensive insurance. If you want to change the car, you can do it at any time, without waiting for the debt to be repaid. This will help if your financial situation changes and you cannot afford a loan. You can sell the car at market price, pay off the debt early and keep the rest.
How to find a good deal
When buying a new car, it is worth looking at the offers from denmark mobile database showrooms: perhaps there are good models on favorable terms.
When looking for a non-targeted loan, pay attention to offers from banks with which you already have a history. Credit organizations often offer the best conditions to reliable and loyal borrowers.
If the most important thing for you is a low interest rate, pay attention to the program "Credit0%" Bank Sinara. You can borrow up to 3 million ₽ for up to 5 years. To apply, you need a passport and a document confirming your income. And to get a 0% rate guarantee, connect the service package "Manage easily» when signing the loan agreement. At the end of the term, we will return all the interest paid to you.
To take advantage of the 0% rate guarantee, you need to:
take out a loan for a period of at least 4 years;
use your credit limit in full;
have no overdue payments on Bank Sinara products;
do not use the “Skip payment” and “Change payment date” services (available as part of the “Manage easily” service package);
be the holder of the very same Sinara Bank card;
during the entire loan term, make at least 5 purchases per month for a total amount of 10,000 ₽ using the same card.
After making the last payment, contact the bank and ask for a refund of the interest. Employees will check the product for compliance with the conditions, and then the funds will be transferred to your very card.