What I know for me this credit benefits
Since appearing in our country a year ago, the Smart Purchase Banco de Credito del Peru (BCP) may have generated a series of questions, doubts and resistance from one another customer accustomed to the classic vehicle credit. So, we could do anything bad to hear some details about that system and, even more so if this information comes from the same bank that brought him first to Peru.
To this end, we attended recently at a talk explaining where the manager of the Financial Automotive Center BCP, Dante Lindley, explained the benefits of Smart Buy, paying attention to anything that might cause confusion among customers. This representative of BCP rescued the lowest fees paid under this system and the possibility offered to renew the car, among a number of virtues.
Down payment and "special" quota
This peculiar form of credit required in the BCP, an initial contribution of 20% of the value of the car you want to purchase. Immediately, the bank offers finance 30% or 40% of total cost, we divided into two or three years (24 or 36 installments) and book a special assessment at the end in which pay 50% or 40% remaining vehicle price.
In the case of buying a $ 10,000 car, if you charge an initial 20%, the customer would be paying $ 2,000 initially. Then what the bank funds are remaining US $ 3,000 and 50%, which in this case are US $ 5,000, lets share the number 25. Remember: they are 24 installments of the other half.
Also keep in mind that the entire amount, except for the initial, is the interest that apply. "Why (the client) has to pay interest on the $ 8,000? Because obviously, what the bank is paying is that, is not paying him $ 3,000 (...) Nevertheless, the share sale 45% lower, "says Lindley.
Three choices, two recommended
On the other hand, are three options which gives you the payment system at the end of the 24 or 36 installments: 1. You stay with the car assuming payment of 50% or 40% remaining, through a refinancing that the BCP offer. 2. We reenganchas with the Smart Buy, ie you buy another car under the conditions that the bank requires. 3. us back to the car without additional cost, provided that you comply initial agreements.
However, what the BCP is recommended the reinstatement or, in any case, refund, because according to Lindley, although you can refinance your credit and "have the possibility to stay with the car without any problems (...) end up paying depending on the term loan refinancing, but could be three years, or in five years the car would be yours. "
"It would be as if you had taken a conventional five-year credit. Suddenly in that case you had agreed from the outset get a conventional loan and not a Smart Buy "recommends this point the manager of BCP.
Credit or Smart Buy?
The BCP, worth clarifying, offers you the option dealerships buy your car through a regular vehicular credit or by Smart Buy. According to his agent, Lindley, staff stationed at these centers selling cars always will offer both options so you can choose the one that suits you.
"We at car dealers sell both credits. This must be taken very clear. Not only sell Smart Buy, but conventional credit. What happens is that the conventional credit also sell offices, Buy Smart dealerships only, not in office, "says the manager.
Respect the process
Also, Lindley recommended very clear decision that will be taken when the quota is reached 25 or 37, as well tailored to Smart Buy program as efficient as possible for us. "Everything can be done, but ideally, to make it economically attractive to the customer is that it sticks to deadlines and percentages say here," he says.
"We recommend that you give 20% down, to stay 24 or 36 months and in the end just do what you have to do. If not, probably a conventional vehicular appropriate credit and not a Smart Buy "solves the manager, because after all" the product is armed for you to follow these steps and you agree to this. "
To this end, we attended recently at a talk explaining where the manager of the Financial Automotive Center BCP, Dante Lindley, explained the benefits of Smart Buy, paying attention to anything that might cause confusion among customers. This representative of BCP rescued the lowest fees paid under this system and the possibility offered to renew the car, among a number of virtues.
Down payment and "special" quota
This peculiar form of credit required in the BCP, an initial contribution of 20% of the value of the car you want to purchase. Immediately, the bank offers finance 30% or 40% of total cost, we divided into two or three years (24 or 36 installments) and book a special assessment at the end in which pay 50% or 40% remaining vehicle price.
In the case of buying a $ 10,000 car, if you charge an initial 20%, the customer would be paying $ 2,000 initially. Then what the bank funds are remaining US $ 3,000 and 50%, which in this case are US $ 5,000, lets share the number 25. Remember: they are 24 installments of the other half.
Also keep in mind that the entire amount, except for the initial, is the interest that apply. "Why (the client) has to pay interest on the $ 8,000? Because obviously, what the bank is paying is that, is not paying him $ 3,000 (...) Nevertheless, the share sale 45% lower, "says Lindley.
Three choices, two recommended
On the other hand, are three options which gives you the payment system at the end of the 24 or 36 installments: 1. You stay with the car assuming payment of 50% or 40% remaining, through a refinancing that the BCP offer. 2. We reenganchas with the Smart Buy, ie you buy another car under the conditions that the bank requires. 3. us back to the car without additional cost, provided that you comply initial agreements.
However, what the BCP is recommended the reinstatement or, in any case, refund, because according to Lindley, although you can refinance your credit and "have the possibility to stay with the car without any problems (...) end up paying depending on the term loan refinancing, but could be three years, or in five years the car would be yours. "
"It would be as if you had taken a conventional five-year credit. Suddenly in that case you had agreed from the outset get a conventional loan and not a Smart Buy "recommends this point the manager of BCP.
Credit or Smart Buy?
The BCP, worth clarifying, offers you the option dealerships buy your car through a regular vehicular credit or by Smart Buy. According to his agent, Lindley, staff stationed at these centers selling cars always will offer both options so you can choose the one that suits you.
"We at car dealers sell both credits. This must be taken very clear. Not only sell Smart Buy, but conventional credit. What happens is that the conventional credit also sell offices, Buy Smart dealerships only, not in office, "says the manager.
Respect the process
Also, Lindley recommended very clear decision that will be taken when the quota is reached 25 or 37, as well tailored to Smart Buy program as efficient as possible for us. "Everything can be done, but ideally, to make it economically attractive to the customer is that it sticks to deadlines and percentages say here," he says.
"We recommend that you give 20% down, to stay 24 or 36 months and in the end just do what you have to do. If not, probably a conventional vehicular appropriate credit and not a Smart Buy "solves the manager, because after all" the product is armed for you to follow these steps and you agree to this. "
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