Credits for Auto usually it is essential that the person is aged between 18 and 70 years, a resident in the country, continued employment of at least one year when it is in dependent (independent two years) and minimum income between 1,500 and 3,700 pesos.
Loans are valid for new or used up to 8 years old cars and financing rates on total ranging from 50 to 100%. The limits range from 100,000 to 200,000 pesos to pay up to 60 shares at a fixed rate.
Lien loan:
It is a financing contract by which a financial institution provides a customer a certain amount of money equal to a percentage of the value of movable property delivered under warranty. It thus constitutes a security contract. The car is the collateral pledged loan in case of default of payment the vehicle is running.
This operation is expressed by the signing of a pledge agreement, ie the legal instrument for exercising the right of pledge by the creditor, and in the case of garments on cars are registered in the National Directorate of National Records Automotive property and pledge credits (DNRPA).
The requirements to get vary depending on the credit line and the percentage of the value of the financed vehicle. There DNI lines, where up to a certain percentage of the value of the vehicle and a certain maximum amount the customer can access a lien loan only presenting ID and a utility bill
When applying for a car loan in Argentina, it is very important to consider the fixed rate, since the loan can finance between 50 and 75% of the value of the vehicle, according to the lender.
During the term of a security contract, the owner of the property can not constitute, under penalty of nullity, another pledge on these, unless otherwise authorized in writing by the creditor. Requiring before signing the contract is complete with your name, address, full details of the creditor, description of pledged But when credit conditions and the pledge (amount, interest rate, time and place of payment) is formalized, and proof of insurance right.
When the loan is canceled, the creditor must request cancellation of the garment in the registry to prevent difficulties in selling the well. Read :
Credit Car Sale
Car Credit Ranking:
First find the Super Automotive Credit Santander Rio, which allows financing of up to 85% at 0 km or a used up to 8 years old. The maximum loan amount is $ 200,000 pesos within up to 60 months at a fixed rate with the ability to automatically debitarlo user account.
Follow the Macro bank offers a line of "Loans Perfect" to access vehicles a minimum amount of 8,000 pesos and a maximum of 200,000 pesos to pay up to 60 shares at a fixed rate. The loan is for a single signature without garment and allows prepayment without penalty; a minimum wage of $ 1,500 is required.
Beyond specific cases, all banks offer attractive loan with an interest rate of around 30% CFT (total finance charge) and a ratio of the total share / close to 30% monthly income.
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