How drivers who apply for a car loan are bred

It's no secret that with the help of car loans on "attractive" conditions, but with a lot of pitfalls, bankers make fortunes. If possible, it is better, of course, to stay away from financial programs, but what if there is no money, but you really want to update your tired car? What to focus on when applying for a loan to buy a car, the AvtoVzglyad portal will tell you.

Every year more and more cars - new and used - are bought with the support of banks. And this is not surprising, because the average income of the population in Russia, according to statistics, does not exceed 35 rubles - there is not always enough for food, what kind of cars are there. So drivers line up for car loans, counting on more or less tolerable conditions and honesty of bankers.

But how can one hope for moral principles and integrity when it comes to large sums? Naturally, financial offices try to squeeze the maximum out of each client. The only difference is that large companies and official dealers “process” their breadwinners carefully, while “gray” car dealerships and small “cash desks” are rude and straightforward.

Dirty tricks, which are skillfully used by employees of banks and car centers, are countless. The AvtoVzglyad portal identified five of the most beloved schemes by commerce that ruin our brother.

IN WORDS YOU ARE LEO TOLSTOY

Having felt the interest of a potential buyer in a car loan, an employee of the dealership begins the presentation of financial products that deserve the Cannes Lions award. It promises fabulous conditions: in particular, the minimum loan term and scanty, almost imperceptible, interest. The inspired client, without looking, signs the contract. And only then he finds out that he was given a loan not for a year, but for five, and not at 7%, but at 37%.

THERE IS NO WAY BACK

Suppose the driver begins to loudly resent and demand the termination of the onerous deal. But here's the problem: in the agreement, on each page of which is his signature, there is a barely noticeable clause that says that when the contract is liquidated, the buyer is obliged to pay a penalty equal to the cost of three cars. What to do, it was necessary to read papers.

NO MONEY - THERE IS A PROBLEM

In anticipation of the issuance of a car, an upset buyer hides in a corner of the client area and decides to study the contract. Among other interesting things, he finds a down payment equal to the nth amount ... So, wait a minute! What is the down payment, if the seller said that it will not be? The feeling of anger and resentment is replaced by anxiety. There is no way back: either urgently look for rubles, or terminate the deal and pay a penalty. One way or another, the office is in the black, and you yourself understand where the driver is.

A THOUSAND AND ONE SERVICES

Having paid the down payment, with which a friend kindly helped, our hero learns about new requirements that were not previously announced. To pick up the car, he needs to purchase a super insurance policy against job loss, broken toe and death of a pet hamster, as well as pay for additional consultants, opening a bank account and ink in a printer. That is, to make another down payment for "just like that."

FORWARD THE LOCOMOTIVE

Having suffered with the execution of the transaction and refusing to take vacations for the next few years, the motorist leaves the dealership in a brand new car. He decides to outwit impudent scammers and repay the loan ahead of schedule, thereby significantly reducing the overpayment. But even here the robbers laid a straw: the car owner who turned to the bank suddenly finds out that the terms of his agreement do not allow such scenarios. And this - as you probably already guessed - is also said in small print under seven asterisks in the contract.

... The moral of this fable is this: carefully and repeatedly read the papers that are slipped to you for signature - most divorces are “tied” precisely to them. Until the contract is concluded, you have every right to turn around and leave, but it is almost impossible to prove the fact of fraud upon completion of the transaction. In general, do not contact the "gray" car dealerships and do not get fooled by the "tasty" communication of unknown offices. Do you remember where that free cheese is?