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Car loan: essential before buying!
Changing cars seems complicated to you. You have to choose the right model for your needs, driving style and tastes, and above all, find the vehicle that suits your budget. Thanks to the auto loan, even without savings, it is possible to match reason and passion when changing car. To be sure of your choice before committing, carrying out a simulation for a loan concerning the purchase of a vehicle is even essential.
Choose car loan
Auto credit is a so-called "affected" consumer loan, that is to say exclusively dedicated to the financing of a new car. It can be a loan for the purchase of a new or used vehicle. The bank or lending institution makes the necessary sum available to the borrower to purchase the car. If the sale is not made, the credit is canceled. To know your budget in relation to your borrowing capacity, it is advisable to carry out a loan simulation for the purchase of a car.
The car loan simulation
Before embarking on the search for a new car, it is necessary to know the loan conditions. Thanks to the auto credit simulation, the future buyer can know at what rate he can borrow and especially what amount he can get. The loan amount is then used to select the car model in the right price range! For auto credit more than for any other consumer credit, loan rates are very attractive. It is possible to obtain loans around 2% by borrowing more than 5,000 euros. These very attractive loans mainly concern loans that are spread over a period of less than 4 years.
Auto budget: anticipate all costs!
The amount of monthly payments is not the only factor to consider before buying a new car. It is also necessary to find out beforehand about the price of insurance, as well as consumption and the cost of maintenance.
Auto credit between a new or used car
For the purchase of a new or used vehicle, the way the auto loan works does not change.
Obviously, prices are very often different between a new and used vehicle. Therefore, the volume of credit is not the same. But in the case of a new vehicle, the banker takes into account the contribution of cash to the resale of the vehicle if this takes place within the first 5 years after the purchase.
In the case of a used car, even if the price is less important, the cash inflow on resale is often less. Before taking out a car loan, carefully calculate your car borrowing capacity so that you have an idea of the maximum loan you can apply for.
Auto loan: the choice of security
The car loan being exclusively dedicated to the purchase of a vehicle, the purchaser is covered if the purchase is not successful. It is also if the loan is not accepted. And this, again, whether he opts for a new or used car. Concretely, this translates into:
- A null and void sales contract if the borrower does not get the loan;
- Automatic cancellation of the credit if the car is not delivered;
- A first monthly payment taken only when the buyer has received the vehicle.
Thus, the buyer does not have to repay a debt which, ultimately, is not until the asset is in his possession.
Good to know: an important note to appear on the order form.
On the order form prepared by the seller, be sure to mention that obtaining the loan is a condition of the purchase of the vehicle.
Also note that, in accordance with consumer law, you have a 14-day withdrawal period. This applies both to the credit itself and to the purchase of the vehicle.
Contact us to get your credit:
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