The Condusef conducted an evaluation of the offers of 13 banks and 30 non-banking institutions; before hiring believes that this funding is a long-term commitment.
The start of year brings renewed desire, which can include buying a new car or change for a newer model, however, before hiring a financial advantage offers new year, taking into account the grade is the institution that offers credit.
The National Commission for the Protection and Defense of Users of Financial Services (Condusef) assessed 13 banks, 2 Sofoles 1 Sofom regulated (ER) and 27 Sofomes unregulated (ENR) offering car loans.
The banks had an average score of 9.2, while the average for Sofoles was 7.1 and the Sofomes was 8.2 and 3.8 for regulated to unregulated.
The elements considered in the rating were: Contract, cover, account status and information offered by the institution's website.
Among the 'hot spots' that were detected stresses that there are institutions that hold the contract for the product to a commitment to another, such as a savings account to use as payment of credit or insurance offered by institutions agreement. The establishment of such conditions is considered by the Condusef an activity that deviates from healthy practices, as provided in Article 46 of the Single Layout of the Commission.
Furthermore, it was found that, regardless of the guarantees agreed in the contract, some institutions instrumented security measures to ensure payment of credit, such as installing an electronic device in the vehicle to locate and immobilize if the customer fails to meet its contractual obligations, although the contract provides for the application of contractual penalties for late payment or collection fees and penalty interest.
What should I look?
The contract ...
* You must clearly explain how to proceed further out insurance for the vehicle.
* Must include a special section with client authorization for exchange of information.
On the cover ...
* Must include court dates for payment.
* The data must match those specified in the contract.
* Must comply with the format of the Single Layout Condusef.
Web Page ...
* Offers promoted must match the information specified in the contract.
What are the requirements and costs should I consider?
Last compass to purchase auto loans of Federal Consumer (PROFECO) shows that agencies and banks put as a prerequisite for granting credit to purchase auto insurance with extensive coverage in accordance with the vendors themselves. Some agencies also require one of life and against unemployment.
However, the OAG recommends that you lean on those agencies that provide freedom for the insurance, although the recruitment of protection may be a valid condition, the insurance with the agency or the bank may be more expensive than hiring on your own
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