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Great Wall Of Freedom

2024

Video: Great Wall Of Freedom

Video: Great Wall Of Freedom
Video: THE GREAT WALL OF STALIN [4v4] [SOV] [Hill 400] — Company of Heroes 2 2024, March
Great Wall Of Freedom
Great Wall Of Freedom
Anonim

This car is for those who know how to enjoy and appreciate the feeling of freedom. Translated from English to hover means to melt, soar - and who can be more free than a bird?

But we, as always, are talking about financial freedom. Or lack of freedom. Official dealers of the Great Wall Hover in the “Standard” configuration (gasoline engine - 2.4 liters, 5-speed manual gearbox, four-wheel drive) cost about $ 23, 300 (597, 800 rubles). Can all the charms of “freedom” who want to buy this car on credit feel?

One and a half dozen banks are ready to offer their services to customers. I would not like to say that they have credit coils for inexperienced, fledgling borrowers, but there are still certain subtleties to avoid an unpleasant credit history.

Car loans can be obtained according to the classical scheme, which is understood as the provision of a full package of documents (passports, rights, copies of the work book and income statement), depositing 10% of the cost of the car and reviewing your application at the bank within a week. Minimize costs - temporary (consideration of the application per hour) and "energy" (collection of papers by human resources and accounting) - using an express loan. To apply for it, only your passport, driver’s license and contact details of the organization in which you work are enough. In addition, in an hour you will be able to leave the cabin already in a new car. However, removing the burden of worries will not work for free: annual interest rates (17–18% compared to 9–13% in the “classic”), and with them the overpayments for the car increase significantly.

There is another important detail. As a rule, if you take an express loan, comprehensive insurance for the first year of operation is included in the loan amount. For example, your car costs $ 23, 300. Damage and theft insurance will cost about 9% of the initial cost ($ 2, 097). Thus, the price of the car increases to $ 25, 397, for which a monthly payment plan will be drawn up.

In the case of the Great Wall Hover, both types of lending are possible. But here is another subtlety. If the car costs more than $ 20, 000 and the loan amount exceeds 450, 000 rubles, banks for insurance will still ask you for a certified copy of the work book. So, the point of overpaying on interest is lost.

There is another option for a set of documents. Under the terms of a car loan from Credit Europe Bank (the former Finance Bank), you can get it even without having your own driver’s license. For registration, you will need a general passport and either an additional document proving your identity (for example, a passport), or the rights of your close relative. You must have a landline telephone and a permanent place of work for at least six months. And since when making a down payment of 10% of the value of the Great Wall Hover configuration under consideration, the loan amount is more than 450, 000 rubles, you will need to provide a copy of the labor. The loan currency is only rubles. The average annual interest rate is about 8%. “Compensation” to the bank for low annual rubles - insurance. Obligatory hull insurance, compulsory motor third-party liability insurance and motor third-party liability insurance will be required either at IC Guta-insurance or at the Russian Insurance Company, where the loss of theft will cost no less than 10% (59, 780 rubles)

The average option for the classic type of car loans in US dollars provides an annual interest rate of 10%. Insurance against damage and theft, if the driver who is allowed to drive is older than 22 years, and his experience is more than two years, will be approximately 9%. The maximum price of the CTP policy (Great Wall Hover has 130 hp), if the owner of the car is registered in the suburbs, is 5049 rubles. As for the additional equipment, insurance companies need an electronic anti-theft system in your car. Some of them will also require mechanical protection.

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