Mechanism of action

The terms of the program of recycling of cars of 2015 remains the same — you need to put in a special paragraph of acceptance of a complete car equipped with an engine, transmission, suspension, wheels, seats and controls, to get the discount. The age of this avtohlama should be more than 6 years, and the owner must purchase a minimum of six months before the date of disposal. Return the car only has the right owner — it will be issued the relevant documents.
The process is simple — first, you need to contact the registration authorities, where “registered” your car and remove it from the register. The responsible officer must inform that you spend this action in connection with the disposal of the vehicle — in this case you will be given a special certificate. Next, you can use three options:

  • To use the tow truck to deliver unable to move without a car at a receiving point;
  • To call the exchanger and to order services of outward transportation — some companies charge a considerable sum, but the service is still cheaper than calling a tow truck;
  • Go to the right place on their own, using the shortest paths and avoiding the main roads because the car will be restricted.

Продолжение утилизации: как изменилась программа?
Any recycling center will take your vehicle only after payment of operation pressure equipment — the cost of this service is 3000 rubles. In the end, you will be given recycling act, with which you can go to the dealership. Be careful — make sure that all dates correspond to reality, since the documents obtained during the previous programs recycling is now considered invalid.

Innovations

Most importantly, what is the difference between the conditions of car recycling 2015 is the expansion of the list of enterprises which work under the scheme Trade-in. This means that the game is now entering commercial organizations that act as intermediaries between consumers and recycling centers. Their intention to work in this format has already said AVTOVAZ, Renault, Toyota and Citroen. They offer customers a discount of 25 to 50 thousand rubles depending on the specific model of vehicle purchased. In addition, upon delivery of the cargo engineering guarantee you will get a discount of 350 thousand rubles for any commercial vehicles manufactured in Russia.

Video about extend the recycling program cars for 2015:

The duration of programme is 6 months — according to the estimates of governmental experts, it’s enough to make 170 thousand cars, which were allocated about 10 billion rubles. It is interesting that passing cars can make and enforce recently adopted several regulations, which prohibit to leave in public places abandoned or dismantled cars. These are considered to be respectively standing without movement for 30 days or deprived of important parts of the vehicle. Their owners will be fined and cars will be sent for disposal without the allocation of appropriate compensation.

Criticism of the program

The experts involved in the Russian automotive market, have already expressed the view that an updated program of recycling of old cars does not match economic realities. In particular, compared with the previous stage, the amount of compensation for passenger transport has not increased. At the same time, the rising cost of foreign currency has led to a sharp rise in price of cars, which until now has not been fully assessed. As a result, many people will not rush to pass cars on the recycling program, because they will bring them more good than a relatively small discount on the purchase of a new car. A small consolation was provided only AVTOVAZ, whose representatives stated that selling prices within the program of utilization will not be increased by more than 5%.
Продолжение утилизации: как изменилась программа?Some experts have criticized the existing scrappage programme
In addition, there is a reasonable belief that the admission to participation in the commercial intermediaries will lead to the emergence of many frauds. In particular, there were cases, when dealerships offered to resolve the issue, subject to the payment of a certain amount of Commission. Moreover, independent journalistic investigation conducted by the action of the previous stages of the recycling program, showed that the program was understood by many participants incorrectly — instead of having to send your car for recycling, dealers were engaged in re-sales that did not decrease the number of avtohlama on the roads of Russia. So many of the issues that occurred previously, still remain open. Questioned and the appropriateness of government support of market — foreign experience shows that the artificial stimulation of sales in the future is unhelpful.

What are the results?

The new terms of the action of the recycling program for consumers establish a fairly rigid framework — to really get compensation, you should hurry up. Moreover, it is necessary to know that dealers usually have a certain stock of “salvage” vehicles, which corresponds to the size of the allocated state support, so it’s best to obtain all the necessary documents in advance in order not to encounter trouble. The resulting compensation will be real, and will really help you to reduce the cost of purchasing their own vehicles. However, this significant discount is only for products of AVTOVAZ, while in relation to the cost of cars of other brands may be quite small.

The return of compulsory insurance

When it comes to MTPL insurance, the procedure will be extremely simple, since this area is regulated by state regulations, to overstep which insurers are not able to. You just need to come to the office issuing the policy, and to ask for the form of the relevant application. Filling it, be sure to specify that the return reason will be the change of ownership of a vehicle — after all, the law provides for the refund in case of death of the formal owner of the machine, as well as the loss of a car of the appropriate technical condition. If you, fortunately, passed such circumstances, you will need to submit the following documents:

  • Passport;
  • Agreement confirming the fact of transfer of ownership;
  • PTAs that contain information about the new owner;
  • Itself insurance policy.

If you are not going to buy a new car, a refund of CTP in the sale of the car will be produced on a Bank card — this will require to take in financial institution statement with the details, because one issue of insurance will not be sufficient to perform the transfer. When selling one car you should buy next, you can specify it in the application that you wish to receive compensation in the form of discounts for a similar service company. Just need to find out what amount gets the consumer decided to stop using the CTP insurance.

Как вернуть деньги за автомобильную страховку после продаже машины, и какую сумму вы получите?This amount can be used as a discount on insurance new car
The calculation formula is simple. Of the total cost of the policy is deducted 23% where 3% is the standard deduction the financial institutions in the PCA (Russian Union of Insurers), and 20% of the costs of the firm associated with policy issuance and other related services. The residual amount is divided by 12 and multiplied by the number of complete months remaining until the expiry of the contract, and you will receive the amount of compensation that can expect when selling a car. Be careful — the date for determining compensation is counted from the moment of writing the application, rather than selling the vehicle, so if the transaction is carried out at the turn of the month, you should hurry so as not to lose a significant amount.
Despite the existence of specific instructions about the need for compensation in the legislation, many insurance companies decide to engage in an argument with customers, trying to prove the absence of the right to receive payments. The most common argument is the loss of the policy, i.e., the availability of customer payments for insurance made in the past. You can be sure that such a circumstance does not affect the ability of issue of compensation and its size. Also do not pay attention to promise “to pay later” — if within 14 days your money back, feel free to go to a lawyer and make a written complaint.

How to return the value of voluntary insurance?

If CTP is all very clear, the sphere of hull is regulated by law only in part — there is no approved regulations form contract, or even mandatory list of conditions. Therefore, the conditions of return vary depending on the insurer. In particular, their costs some firms appreciate far above the 23% specified for CTP — in the case of hull this figure can reach up to 35 and even 50%! To see exactly how much you can claim, carefully read the agreement you signed when buying a policy.

Как вернуть деньги за автомобильную страховку после продаже машины, и какую сумму вы получите?Always need to carefully examine the text of the agreement
In addition, the hull return when selling a car is made solely with the net amount that you received previously in the form of claims — any company seeking to ensure the profitability of your work, so count on gifts from financial institutions is not worth it. Here again you need to carefully read the text of the Treaty — in some cases, reference is made to the impossibility of providing compensation in the case where the customer has made at least one payment, even if the case concerned the scratches on the wing of the car. That’s why you should read the document and understand, is it worth spending precious nerve cells to such action.
The deadline may be different — some companies do not accept the application for termination of the contract a month before the end of the term, others for three. However, the term remains unchanged — it is exactly 14 days. If the money is received by the client were not, it is possible to use the above recommendation and to begin to make a claim with a competent lawyer.

Is it possible to get compensation?

The experience of people who did not hesitate to contact the office of the insurance company to receive due compensation, shows that a refund is possible, however, you have to prepare for possible difficulties. However, no matter how things are going on in your negotiations with the financial institution, the money for CTP insurance you will receive. The only question is, what will be the size of the compensation — but they can get from a signed contract. But with hull, things are much more complicated — there is even a small chance that the payments will not, as the terms of the agreement have been violated. The reason for this may be the onset of a certain period or previously received compensation.

The right choice

In most cases, buying a car in another city occurs when reading her status solely according to the owner, or by the photos posted on the Internet. So many potential buyers upon arrival at the specified place for an unpleasant surprise — the machine can be ready for public consumption or to possess substantial defects affecting its serviceability and reliability. To avoid such problems, experts recommend to consider two or three options in the city — if the first will not work, you will have the opportunity to use “plan B”.
If you do not have good enough technical skills, it is better to take a trip to a friend technical specialist who will help to establish whether the car is worth the requested amount of money. Remember also that buying a car in another region may require a long period of time in the following cases:

  • If the vehicle is restricted by the court, Executive services, police or other official authorities;
  • If you choose to spend making in a different region and go home without worrying about meeting with the police highway patrol;
  • If the vehicle is damaged or in the documents there are certain inaccuracies.

In this case, you should take care of the lodging — room of the hotel or apartment with daily payment.
Buying a car in another city with the choice of location is highly undesirable. Having arrived at the right place, you will spend a lot of time visiting the market and other places of sale of transportation. As a result one day will fail and this will entail considerable costs. In addition, extremely high probability that inspection of the machine will be in a hurry, and you miss important points that affect the overall technical condition of the car.

Documentation

To learn how to buy a car in another region and to execute, you have to read the contract of sale. Experts strongly recommend use the conventional form, intended for hand-fill — the probability of successful acceptance by authorities and the traffic police will be maximized. In advance let’s consider some examples of correct entries and print at least five copies. Won’t hurt to bring the scanned form on a flash drive, to be able to make the required number of duplicates. The ideal option is to ask the seller to send me copies of all documents to complete the required number of instances in the home and then only signatures.

Купить машину в другом городе очень просто
It now remains to determine what documents you must transfer the seller:

  • Title;
  • The certificate of registration;
  • A diagnostic map.

The contract is made in 3 copies, of which 2 goes to the buyer, since he will need to show this document to the traffic police. But the old insurance and the previous contract of sale is better left to the seller, since by using them, he will be able to receive compensation under the insurance contract and tax relief.
If there are some additional documents such as service book, specification, additional hardware, instructions, it is better to pick them up from the former owner. By the way, the story that the documents service is lost, is cause for suspicion — this means that the actual mileage of the vehicle is much more than what you see on the odometer and you will soon be faced with a significant fault. After receiving all the documents in the presence of the seller put in the title entry of the new owner. By the way, if there is no space, the question of buying the car in another region will become complicated, because the seller will have to contact the traffic police for the issuance of a new document — this time it is better to determine in advance by phone.

Where to register?

First of all, you can purchase a car standing on the account, or not having any certificate of registration held, and therefore numbers. Specific differences in procedures, although buying a car in another region with numbers is more preferred. In this case, driving the car, you will encounter much fewer problems.
Regardless of is buying a car in another region without being removed from the register or by using an alternative method, you have to be within a maximum of 10 days to pass inspection, a valid CTP insurance and with all available documents to be sent to the traffic police authorities. By the way, the diagnostic card inspection you can give the old owner, and after the sale it will have full force. But with insurance, this maneuver may not work, because it is issued to a specific person.
Купить машину в другом городе очень просто
To buy a car in another region and to execute, you don’t have to deal with all issues on the spot — these 10 days will be enough to overtake the vehicle to the place of his permanent registration. However, when you have in stock at least a few days, it is better to put the car on registration at the place of purchase. The reason is simple — you can always take the help of the seller, if the procedure is stopped due to a certain mistake on his part.
If you are interested in buying a car in another region, because it takes the least time, since the current legislation allows them to register vehicles in any specialized branch of the traffic police in the country. Of course, there are exceptions — as usually, they are represented by Moscow and St. Petersburg. In these cities for vehicle registration you will need a temporary registration. Accordingly, and certificate of registration will also be temporary.
Knowing how to buy a car in a different region, you do not have to worry about removing it from the previous owner. According to regulations, the traffic police will do this automatically after the registration of the owner — i.e. you. This greatly simplifies the process, because the transaction will take quite a little time.

Distilled auto

So, you know how to buy a car in another city, ready for all the intricacies of legal procedures. However, it is necessary to understand how to drive a car, not when faced with certain trouble. The main rule here will be the mandatory presence of the owner in the car — even if it is located at any passenger seat.
If you purchase a machine in another region was accompanied by the removal of the vehicle from the register, is ready to pay what a car without numbers will be necessary to stop at each checkpoint. However, remember that the law gives the right to move around in this form for a maximum of 10 days without any restrictions. To prove that the specified period has not expired, submit the contract and title — it is better not to hide away, since access to such documents will often.
Knowing how to buy a car in another city with numbers, you will not encounter some trouble. However, from bad communication with the inspector of traffic police they will not insure. Therefore, the documents should also keep alert to prove the legitimacy of their actions.
Video on how to buy a car in another region:

Is it worth it to buy a car in another city?

Description how to buy a car in another region not able to convey all the anxiety and stress associated with purchasing very expensive goods away from home. Therefore, if such a possibility exists, the car is better to buy closer to their city. But in other regions it is necessary to go only for the incredibly favorable or even exclusive offer.

A car loan

Under a car loans, one often thinks of issuance of Bank money to the seller of the vehicle without the mediation of the buyer. At certain times it is the Bank that issued the credit, becomes the owner of the vehicle while the driver is granted rights of use. In most cases the financial institution takes on all the hassle of paperwork — the buyer only has to put the documents in the papers.

Advantages of auto loan

If you want to know which loan is more advantageous from a monetary point of view, alternatively, a loan will not. It allows you to get the required amount of percentage, in 2-2,5 times smaller than proposed in issuing desired amounts of cash. The percentage is especially low when a high amount of down payment and small term of loan — some banks do set a symbolic value of an indicator in this case. In addition, don’t have to deal with the fees for settlement and cash services, cash disbursement and processing of documents for collection. Since the buyer does not receive money for hands, disappear also troubles associated with carrying large amounts of cash or using a Bank card with a large limit available funds.
No questions on the amount of the loan — as security for the loan is the car itself, the Bank will gladly provide you with money, even if their payment would put you in a difficult financial situation. There is no need and in the contracts of guarantee with collateral the slow loss of value and high liquidity, the Bank’s employees are relaxed about obtaining their income. Some financial institutions have special programs of car loans, and using which, the buyer can convert the car to a new one by paying a small amount. Also banks are more willing to forgive some of the arrears and other violations on car loans than with cash.
Что выгоднее: автокредит или потребительский кредит?Usually the Bank is engaged in registration of all necessary documents

Cons of car loan programs

If you understand the difference between car loans and consumer need to take into account that the machine will be in a temporary property of the Bank, who are free to manage the property on his own. In most cases, the “chronic” defaulters cars being seized before trial, and the authorities will only confirm the right of financial institutions to carry out the confiscation. Furthermore, sell your car taken to car loan, to entrust its management to another person or take other serious action without the permission of the Bank just will not succeed. In addition, to buy a car that you like, not always obtained, as a rule, available loan programs are tied to a fairly narrow list of models.

Be seduced by a low interest rate also is not necessary — you will have to purchase the CASCO insurance policy on the terms offered by the Bank. This means that the stated amount of the payments will have to add another 10-15% of car cost. Buy insurance every year, as the Bank jealously guards your profits and will not tolerate that his property was exposed to risk of damage or complete loss. If we refuse to renew the insurance contract, the financial institution may take away the car, or to raise the interest rate to compensate for their risks.

Consumer lending

Loans disbursed to the General needs of man, are very rarely the target destination. The required sum is usually issued in cash or just transfer to a Bank account, offering to use the card for the convenience of getting money. The borrower in most cases has complete freedom of disposition passed to it.

The positive side

It is freedom that entices many people who take consumer loans — taking out a little more money, they can buy “on delivery” household appliances, useful accessories and tuning or even to close the resulting in the family budget hole. In addition, the consumer has the opportunity to buy any car, is entirely consistent with his preferences — the Bank who issued the loan, indifferent, future actions of man. About the benefits of consumer credit from the cash point of view can be argued, but to buy insurance CASCO on obviously disadvantageous conditions you just do not make no one. And you will not have to pay a huge amount when the position on the financial market interest rates on consumer loans reconsider very rare.
Что выгоднее: автокредит или потребительский кредит?The borrower is much more freedom with consumer credit
Do not need to provide collateral and are constantly afraid of losing the vehicle due to breach of contract. If the Bank requires collateral, in most cases, it provides more favorable loan with a reduced interest rate, extended term, an increased amount of funds granted. Also don’t have to look for a dealership who is willing to work with your chosen Bank.

The main disadvantages

Unambiguously tell that is better will not work — although in consumer lending there is no need to buy hull insurance policy, its interest rate will be higher by almost two times. There are also Commission charges for settlement and cash services, cash or a Bank card. If payment of the money to be made in cash, will have to take serious precautions to avoid becoming a victim of a robbery.
Also count on a large amount of not — practice shows that banks pay on consumer loans up to 1 million rubles. It is necessary in advance to find guarantors who will be able to meet your obligations in case of impossibility of return of money under the contract. If the amount is more than 300 thousand rubles, should be assigned to a legal entity with a positive financial results over the last year. You also need to gather many documents and carefully monitor your credit history — if it is found “dark spots”, failure will be almost inevitable. To get a consumer loan to the person under the age of 25 or over 55 years of age and does not have an official income, it will be very problematic.

How to choose the best loan?

It is obvious that the car loan has many advantages, however, the car buyer needs to be sure that he will be able to pay back the money according to the established schedule, because the Bank has the right to take the collateral under its temporary ownership. The loan will be beneficial to those who originally planned to purchase insurance CASCO and has nothing against additional monetary burden on your budget. But consumer lending is used in the following cases:

  • When you need to purchase not only cars but also other expensive items;
  • When there is not enough only part of the money to buy a car;
  • When a person has a good credit history, he can take a loan on very favorable terms.

When you can retire?

The most frequent reason for contact in the traffic police for renewal of the transport without removing from the register are: change the names of the owner, the design on the relative change of nationality and the purchase and sale.

When I do need to retire TC?

Have to remove:

  • export a transport vehicle (vehicle) outside the country;
  • hand over for disposal;
  • in the event of theft or car loss;
  • the new owner has not come to ired to register as the new owner of the machine within ten days, the property was alienated by the buyer without the entry into ownership. All fines, penalties and other “pleasures” in this case will come in the name of the previous owner of the vehicle.

What do I need?

Naturally, in the first place, it is necessary to appropriately make a deal. That is, to sign the contract in three copies, one of which is the seller of the car, the second — his buyer. The third instance, the buyer sends an inspector ired at check-in. This document can be issued without the involvement of a notary, on their own. And even write it by hand.
Сделки с авто без снятия с учёта в вопросах и ответах
We should not forget that the essential parts of the contract are passport data of the parties to the transaction and detailed information about the car. Also obligatory signature of the parties and the date of the transaction. No corrections allowed.

In the set of documents that the traffic police are:

  • passport of the buyer and seller (of course);
  • Title-selling vehicle;
  • the diagnostic card (if any);
  • the insurance must be valid at the time of the transaction, although the policy for presentation and is not a binding document.

In situations where the owner of the car, the seller is not, at the time of the transaction, the ired will have to present the “generalcy” and a copy of it.

How is it done?

To sell or to buy a car without de-registration is possible in two main ways:

  • Joint renewal.
  • Reissue without the owner of the vehicle.
  • Let’s consider both options:

    Joint renewal

    In this case, the parties to the transaction appeal in their chosen branch MREO to the inspector leading the initial reception of the documents, and present the above paper. It is worth to note that the administrative regulations No. 605 dated 15.10.2013 sale without deregistration, and the parties may conduct the transaction orally.
    Сделки с авто без снятия с учёта в вопросах и ответахJoint re-registration exercise easier
    After checking the documents, the inspector must return the passports to the participants in the transaction, and begin the procedure of re-registration of the vehicle to a new owner.
    The transaction completes the transfer of the buyer the contractual amount of money and a receipt from the former owner of keys and card diagnostics.

    Reissue without the owner

    Part owner of the vehicle is not necessary to re-register the car to the new owner. All the necessary procedures may take the buyer. To do this, parties need the following:

  • Fill out three copies of the agreement.
  • Sign both sides in the TCP. You should pay attention to the availability of places for the signatures of the owners in the appropriate places in the document.
  • To transfer the insurance policy CTP and the diagnostic card (if available), the keys to the new owner.
  • The seller can only receive from a buyer money.
  • Further, all the bureaucratic chores on the shoulders of the buyer. He alone reissue a TC in 10 days. Otherwise, the holder has the right to cancel the registration of a car by submitting an application in MREO traffic police.

    Than all is well?

    The benefits of this transaction are obvious: quickness and simplicity of the procedure, time saving and the lack of red tape. But there are some points, not allowing the seller and the buyer to relax.
    Сделки с авто без снятия с учёта в вопросах и ответахSuch procedure will help to avoid paperwork

    What should the buyer beware?

    Buyer should not forget that the procedure of purchase and sale does not provide for check the car history and he gets a car together with all the unpleasant details of her biography that the seller concealed. These may include:

  • Finding cars stolen or arrest.
  • Previously unpaid fines.
  • The fact of “Neratovice”.
  • Fake documents or killed.
  • Prohibited modification of the machine.
  • Auto loan.
  • In all these cases, when re-machine the responsibility of it the responsibility of the customer.
    However, it is worth considering that if the unpleasant details of the machine “got out” after 5 years since its previous registration, it is possible to cancel the registration is not possible at the expiration of the Statute of limitations.
    If the vehicle was in the previous ownership for less than 3 years, make a photocopy of his registration certificate.

    What you should beware of the seller?

    The main point that creates trouble to the seller of the vehicle, is the ability to nepostanovku its registration by the new owner within ten days. Then all fines, penalties and other “surprises” will be coming to the former owner.
    In this case, the seller has the full right to contact the Department of traffic police with the statement for cancellation of registration of the vehicle. Then the traffic police will begin to search the buyer with all the ensuing consequences.
    Сделки с авто без снятия с учёта в вопросах и ответахNew owner should put the car on the account within 10 days

    Who is responsible for everything?

    For all the troubles that fall to the lot of the car meets the man who is inscribed in the title as the owner of the vehicle.
    That is, if the new owner did not rush to re-register the car, the whole weight of responsibility bears the former owner. If the re-registration took place, then, of course, is new.

    What else should pay attention?

    The current rules provide for the preservation of state license plates if the purchase and sale of the vehicle is made by persons living in the same region.
    However, if the buyer resides in another region, he will have the license plate assigned to the old owner, to take, when registering to get a new one.
    And again about the ten-day period. In the event of non-compliance by a new owner, he faces a fine. According to article 19.22 of the code of administrative offences, the fine may range from 1500 to 2000 rubles, if the offender is a private person, from 2000 to 3500 rubles, if the offender is an official and from 5,000 to 10,000 rubles, if such is a legal entity.
    This fine is the inspector of traffic police to enforce their rights. But in this case there is article 12.1 of the code.

    The management of unregistered vehicle provides, in accordance with article 12.1 of the administrative code, a couple of penalties. Because the occupation ends with the stopping of the inspector of traffic police, and a new one is started since the resumption of the movement.
    For this offense provides for fines ranging from 500 to 800 rubles and 5000 in case of repeated violation or deprivation of rights for up to 3 months.
    Thus, one can only wish the sellers and buyers to adhere to the established regulations and comply with the letter of the law.

    Costs at independent sale of the car

    If you want to get the maximum benefit through independent sale of the car, refusing the services of Resellers, you have to do the following:

    • to prepare the vehicle for sale;
    • to place ads in the media, special places;
    • to answer calls;
    • conduct screenings and be ready to do so;
    • to maintain the car in a normal condition;
    • properly submit your product to customers;
    • to answer all kinds, even stupid questions;
    • patiently listen to phrases like “thanks, I’ll think about it”, “as long as there is no money, sell your first”.

    The advantages of dealers cars

    Service repurchase vehicles help to save your time and make the process of selling the car is the most convenient. By phone you will receive advice about the cost of the machine, you only need to list the pros and cons, to call their defects, to tell the story of repairs and breakdowns. And you will determine the cost and can help in quick sale of transport.
    Some companies purchase the cars, even in emergency condition, you do not have to solve the problem of delivery of equipment to service centers, even if it’s not running.
    Правильная продажа автомобилей перекупщикамDealers buy cars in any condition
    With specialists of many companies can be contacted via the Internet, you will only need to leave the application on the company website. Experts will answer your questions online.

    Of course, you will receive less money than if you sold the car yourself, but you will save time, effort, will be able to sell the car in any state.

    The secrets of successful, fast and profitable sales

    To properly sell the car to the dealer, without undue delay, notify if you have any problems with the documents, if the vehicle is under arrest, put in a pawnshop or Bank, is subject to dispute, or it is listed on outstanding credit.
    Sending photos dealers, make sure that they were fresh, showing your transport is today.
    Do not hide the flaws of the car, not priukrashivanii his dignity. This will only lead to a waste of your and others ‘ time. If you show yourself a man, who needs to sell a car, and those who can be trusted, then the buyer will go to meet you.
    Правильная продажа автомобилей перекупщикамNot worth something to hide or gloss over
    I do not advise you to ring up all the companies looking for the most favorable prices. Some companies can inflate a preliminary assessment for you to come to them. Trust someone who gives real value, not deceive with a telephone consultation.
    You should not put the transport on a Commission sale. The high price will scare off buyers, and the benefit will only trade platform – auto. The trick here is that for Parking you need to pay — you will invoice them when you try to pick up the car from the showroom. On the autorepayment in the end, the unsold cars fed staff. And the fact that the price is too high, so they say, you are such accepted, and the evaluator didn’t see your car. It is better to deal with buyers, and immediately purchased the car for cash.
    Don’t settle for selling by proxy, because technically, you remain the owner of the car, and all fines, taxes, lawsuits will land on you. Only complete the sale of equipment will help you avoid such troubles.

    Advice on selection of dealers

    How to determine that this middleman will help you quickly and the most advantageous is to sell the car? Maybe you can help some advice.

  • Contact reputable dealers and companies specializing in buying cars.
  • Choose those dealers, who immediately called the real cost.
  • Shopper behavior must be civilized, it is not trained, the Manager was a shark, but calm and reasonable specialist.
  • On the phone to meeting up with you the same expert, with their own money and not dependent on superiors.
  • Price increases compared with the pre only taking into account the merits, not unreasonably tough.
  • Price calls the broker reliable, explaining all the nuances of grading, and not the one that wants to hear the seller.
  • Counting the cost of selling, keep in mind that you receive money immediately, but the dealers still need to find a buyer, and it is likely to remain with a small profit. So the price offered may not be higher or equal to the market, on the contrary, you should subtract 10% of the cost of similar machines. The amount can be slightly higher when the demand for your model at this time.
  • Правильная продажа автомобилей перекупщикамThe majority of drivers are satisfied with the cooperation with the dealers
    By following these simple recommendations, you will be able to sell cars to dealers, saving your time, effort enjoy the greatest benefits. Dealers will purchase your car, freeing you from the hassle of a long implementation, you will receive cash quickly and effectively.

    Preparation

    Previously the sale of the car was preceded by a long process involving the removal of transport to register and receive temporary numbers. Now to do it also, but not necessarily, because the amended legislation greatly facilitates the transaction. Moreover, the clearance of the vehicle without registration will require considerable time and will be more difficult than the registration of the new rules.
    The car, which will be the object of sale should be carefully inspected to determine its condition. Special attention should be paid to the compliance of the suspension, knocks and transmission noises while driving, as well as suspicious jerks during acceleration. You can ask to attend the inspection by professional mechanic if you have the relevant experience or to use the service of Express-diagnostics offered by many HUNDRED. Before making your purchase is to find out the criminal record of the car. You will need to send the appropriate request to the traffic police, or use the services of specialized automotive issues of the legal counsel.

    The procedure of registration under the new rules have simplified the procedures and speeded up the conclusion of the standard purchase and sale. However, there were many problems associated with illegal conversion of transportation, lack of customs documents, fake number plates. All these disadvantages purchased vehicle not identified during the sale and during vehicle registration. Therefore, special attention should be paid to verifying the signs of the units and identify any major modifications carried out. There is a considerable probability to meet a “designer” or “carpel” — these cars are teetering on the verge of legality, so their sale can be very risky.
    Купля-продажа автомобиля: подробное описание процессаDo not neglect the reconciliation of designations of units
    If the car buyer was completely satisfied, it only remains to conclude a contract. The ideal option would be to download a standard form, suitable for the trades of purchase and sale this year, and go to a meeting with your contractor. Fill out typewritten way an agreement is not necessary since subsequently, such a document may simply be invalidated. If the second party requires the use of a form provided by it, it does not prevent to show to counsel, can avoid serious pitfalls and scams.
    The seller risks a lot less, but they still exist. When drawing up the contract of sale the buyer may have to change the value or to intentionally prevent gross error. Subsequently, the contract is invalidated, resulting in the purchase and sale force will tear and the seller will incur a loss equal to the depreciation of the car. Therefore, after the complete execution of all provisions of the contract, both parties must proofread the document and check for absence of errors as well as deviations from previously discussed conditions.

    Joint work

    Now have to properly execute PTS — with this document, it is better to avoid no hurry, because any mistake can be a reason for refusal of registration. The buyer accepts passport transport and finds it empty graph — if not, the owner will have to get a new form. It makes the following data about the new owner participating in the sale:

    • Full name;
    • Permanent location (actual permanent residence);
    • Date of sale or exchange of assets;
    • The reference to the contract or an alternative document;
    • Signature contractors.

    After filling in the title is the purchase and sale, in which the first action performed by the buyer then gives the money to the former owner what he makes a mark in the contract. The seller only has to transfer all existing sets of keys, also fixing the fact by the entry in the contract of sale.
    Купля-продажа автомобиля: подробное описание процесса
    Professionals who know how to make the sale of the car, saying that the former owner must give the buyer a diagnostic map. Other documents like insurance, previous contract and other claim meaningless, as they will remain unclaimed. The only operation you can go when the sale is to ask the seller to terminate the insurance agreement to split the amount. However, the former owner of any interest in such a step is not, therefore, in the process of sale they go to him only under pressure of special circumstances.

    The end

    The role of the seller in the transaction of sale after signing the contract and registration of PTAs according to the current requirements of exhausted. However, it is better to exchange contacts, to resolve any misunderstandings arising in the course of the subsequent processing machine. After the exchange of keys and cash to the buyer is given 10 days to procedure established by law.
    If the diagnostic card is valid, any trouble does not occur — it only remains to conclude the insurance contract CTP and go to the local office of the traffic police. In the absence of such a document need to pass inspection, which would require relatively large expenditures. If after purchase you have to drive the car for a considerable distance, can purchase a temporary policy, the duration of which is 10 days. In the absence of numbers on a newly purchased car, you can leave this field blank insurance by filling it later — the law does not consider such action a violation.
    Купля-продажа автомобиля: подробное описание процесса
    Under the new rules 2015 the procedure of registration of transport in the traffic police can be in any branch irrespective of permanent residence of the new owner or the place of Commission of sale. If you have right documents, the procedure does not take much time — according to recent reports, under normal circumstances, the motorist takes about an hour for registration. If the sale was carried out without the numbers, you might want to come on the second day, since the issuance of the plates complicates the process.
    Some drivers ask a question about what documents are required for registration of purchase-sale of the car — the answer given by the official Advisory service of traffic police of the country:

    • True PTSD is decorated with a fresh record.
    • The agreement of sale;
    • A document confirming identity, a power of attorney from the buyer or authority to represent a legal entity;
    • CTP;
    • Application for registration of transport available for download from the website of the traffic police;
    • Receipt certifying payment of the prescribed fees;
    • For transit rooms — temporary signs.

    Reform of state agencies has significantly simplified the registration procedure, since the voucher to the reception by the employee of traffic police can be obtained in a special electronic terminals located in the office or on the website of public Services. If the registration transport refuse, you can try to challenge the decision of the traffic police, using the services of a qualified attorney, but in most cases, inspection requirements lawful and not subject to revision.

    The nuances associated with the contract of sale

    Sometimes people have the question of how to properly execute the contract when it was restored some time later. At the conclusion of the transaction of purchase and sale without third party involvement it can be done only by asking a second company to make a copy and certify it at a notary office. When the Treaty was concluded in the presence of a representative of a specific organization, to find it will be much easier. Such intermediaries typically are:

    • The traffic police;
    • Commission courts, shops, salons;
    • Notaries;
    • The legal advisers.

    Купля-продажа автомобиля: подробное описание процесса
    Copies of definitely certified and used for any purpose.
    The contract can be considered expired if the date of actual sale of the machine it has been more than 10 days. In the absence of serious reasons (illness, call to service, urgent business trip, natural disaster, accident) the buyer has to pay a fine for obtaining the right of registration of transport. It may also cancel due to the lack of human rights and authorisation to conclude transactions, discrepancy of documents to the legislative standards, violations by the parties of contractual obligations, the occurrence of the force majeure.

    Game with confidence

    Because the buying and selling is fairly complex civil act requiring the registration of various documents and the payment of considerable sums of money, sometimes there is transfer of car by proxy. The advantages are obvious — you can pay less for making, save time, avoid problems associated with non-standard equipment and other things. A power of attorney instead of sale is generally used when buying a cheap machines, the price of which is in the same order numbers with the cost of registration.
    Купля-продажа автомобиля: подробное описание процесса
    However, the seller will have to pay their own fines imposed for offences captured by remote cameras. Because of a legal change of ownership, unlike sales, does not occur, emails will be sent exactly to the former owner. In the case of deprivation of the rights of seller intact, but nerves will pull considerably, and obliged him to attend court hearings, acting as a witness. Also the seller can attract to administrative responsibility, if the buyer receives an obviously defective vehicle, even if it was previously agreed upon — but the contract of sale involves only the cancellation in such cases.
    For the buyer the contract of purchase and sale also of the power of attorney is preferable, because it reduces their risks, making a statutory document. The problem is the attitude of the seller to the transaction — after some time, he may simply revoke the power of attorney, leaving the buyer without his tools and vehicles. When the sale contract is also not interrupted due to the urgency, unlike the power of attorney. Finally, after the death of the person who issued the warrant, the car automatically moves it to the heir and not to the holder of the document confirming the right of use.

    Design rules

    Knowing what documentation you will need, where to place car how to build relationships with the other party, you’ll easily be able to buy or sell a vehicle. This knowledge will help you save money because you will reduce costs by getting rid of spending on consultants. Also, it will help to prevent losses from a meeting with scammers and save their property from an illegal taking. However, in any civil act, including the sale, there are many pitfalls, which may cause considerable losses. Therefore, if at the conclusion of the contract or at some stage of the procedure, you encounter considerable difficulties, should immediately contact a professional who will help to resolve the situation.

    How to sell a car in installments options

    There are several options for the sale of the machine if there is not enough money from the person wanting to buy it.

  • On receipt
  • The essence of the option: a receipt is issued stating that the buyer gave the seller a certain amount of money to buy a car. The remainder he shall pay in x amount of time (set out a timetable for repayment). It is desirable that in the receipt was stated to be the responsibility of the person buying the vehicle, in case of untimely repayment of the debt (for example, the penalty for each day of delay of payment). Instead of a receipt the owner of the vehicle to the buyer executes a power of attorney for the right to drive this vehicle (but without right of sale) and passes the registration certificate and the car keys. By the way, under current law, the vehicle can pass and without a warrant. After payment of the full amount of the contract of sale and registration certificate is reissued to the new owner.

    Как правильно продать автомобиль в рассрочку
    Risks for the seller
    Most importantly — when theft or accidents to get compensation will be very difficult. The receipt is not a contract. It has a rather limited validity. To mitigate this drawback it is necessary that the vehicle was insured on the hull. In any case, if you got a dishonest buyer, the owner of the vehicle expect a long trial.

    Buyer’s risk
    The seller may at any time require the return of his car. Because legally it belongs to him.

  • Under the loan agreement
  • The essence of the option: a contract of loan for an amount equivalent to the value of the car (including the first Deposit). At the same time a contract of sale automobile and mortgage (the second party immediately lays just bought the car and when collectability of the loan, it again returns to the previous owner).
    Как правильно продать автомобиль в рассрочку
    Risks for the seller
    The Russian experience shows, to take a pledge because of non-payment of a loan can be very difficult. In addition, since all the car documents will be issued to the buyer (including the registration certificate), he may just be hiding it or sell.
    The risk to the buyer
    The former owner of the vehicle may require the current owner early repayment of the loan if the collateral is badly damaged in an accident or stolen (provided by the Russian legislation).

  • Under the contract of sale
  • The essence of the option: a contract of sale car by installment, i.e. the document States the first installment, and the repayment schedule. It is also desirable, as in the first embodiment, to specify the responsibility of the buyer failure to comply with debt repayment schedule. Then on to the new owner of the vehicle issued the registration certificate with the note “In installments” and he will not be able to sell the vehicle, until to pay the former owner will not renew the registration certificate.
    Как правильно продать автомобиль в рассрочку
    Risks for the seller
    Failure to repay the debt needed to engage in lengthy court proceedings.
    The risk to the buyer
    No.

    How to make a car in the case of purchases in installments best

    First, let’s look at the above options from the point of view of the seller. All three options involve judicial proceedings for violation of buying their obligations. Many can take in our country court cases, and how much it will cost to nerves, we know. Therefore selling vehicle in installments, a very responsible approach to this decision. Collect maximum information about the person you decided to sell your iron horse. And if he is from another city, we wouldn’t recommend selling your car this way, no matter how tempting it may seem to you this option. But if to choose one of three evils, we would recommend staying still on the receipt. For the simple reason that until the customer fails to pay another party, he will not be able to register the vehicle. But it is a solid incentive to fulfil their obligations.
    From the perspective of the buying party the best option is the second. When he gets the registration certificate without any marks and is fully entitled to dispose of the car.
    Как правильно продать автомобиль в рассрочкуYou should always remember about the additional costs for paperwork
    It should also be understood that vehicle buying in installments is an additional expenses on paperwork. The first option is notarization of the receipts plus the cost of the fixing of the payments on the debt. The second option — notarization of loan agreements and collateral. And again the cost of the fixing of the payments on the debt. In the third option — the renewal of the registration certificate and the fixation of fees.
    So, in this article we have considered all possible options, how to sell a car in installments. Showed their weaknesses. What option to stop is up to you.

    General rules of buying a car with hands

    First of all, you should carefully carry out documentary and technical inspection and purchase of cars with mileage with it. This is because in the relevant market we have now many unscrupulous sellers trying to sell in all possible ways, sometimes illegally. The best way out of this situation is to appeal to the independent review company, engaged in the inspection of such vehicles.
    Its specialists can carry out full diagnostics of the car to determine its current condition and the real value. It should be noted that various sellers entreaties to give in I will not have it a few times to check rooms, as well as details of the vehicle. It can prevent buy knowingly defective or stolen vehicles.

    Steps preceding the purchase:

    • verification of documents;
    • external examination;
    • internal inspection.

    Verification of documents

    Special attention should be paid to the vehicle registration document and certificate of its registration, if any. Documents should be no calendar limits, as it may indicate illegal importation of cars into the country. In addition, to buy a car with hands and do not puncture can one who carefully compares the real number plates with their documentary counterparts.
    Next, you need to check the data of the seller in a civil passport and title. If the sale is made under power of attorney, then that transaction should be abandoned to avoid possible trouble with the law. In the case of a General power of attorney, one of the most common types of fraud it can be revoked directly by the owner, and the vehicle, in turn, arrested.
    Как правильно купить машину с рук — все тонкости процедуры

    The most favorable option is the buying process according to a notarized agreement of purchase and sale between the owner and the buyer. Today, however, practiced making account inquiries, carried out through a dedicated thrift store.
    In addition, you fail to check whether a stolen car, because that’s really considered every 20th vehicle. This can be done in the traffic police or at traffic police checkpoint. Such a procedure is not costly in time and is absolutely free, as the responsibility of state law enforcement agencies.

    External examination

    To correctly to buy a used vehicle, it is necessary to inspect it. It should be cleaned from inside and outside: often under a layer of dust can hide serious defects such as oil leaks or different color parts. In addition, the purity immediately indicates the responsible attitude of the owner towards his car.
    Как правильно купить машину с рук — все тонкости процедурыThe car should have a proper appearance
    Be sure to compare the shades to paint the entire car and checked for rust under the seals. If the vehicle was repainted, it might indicate his involvement in the accident. Besides rust significantly reduces the time to service and will entail additional material costs.
    The sound and force close all the doors should be the same, while the brake discs have a smooth, shiny, without any irregularities. Also we must not forget the rules for testing shock absorbers: the shake of the car every knock is eliminated.

    Internal inspection

    Inspection of items placed under the hood, is the most important stage, because they are the most functional and expensive. This procedure makes it possible to understand how buying. And if the buyer has no desire to get in the use of the car, constantly “pulling” money from him for your repairs, it is better to check everything thoroughly.
    Как правильно купить машину с рук — все тонкости процедуры
    The lack of striking smell of petrol, cracks on wires and rubber components, non-standard nuts and bolts on the engine indicates a satisfactory state of the machine under the hood. This is best done with the additional presence of a third person that the seller could not subsequently accuse the buyer of deliberate infliction of harm.
    As you know, one of the main components of a vehicle is the engine, and he in any case should not produce oil. In the case of systematic overheating, around filler cap and expansion tank will be observed traces of rust. These tips and help distinguish high quality from low quality car and an expensive analogue.

    The elements defining the full function:

    • steering;
    • brakes;
    • transmission;
    • suspension.

    Of course, the purchase of a car with hands should only occur after a preliminary test drives conducted on public roads. The ideal option would be self-driving by a potential buyer sitting on the driver’s seat.

    Competent registration of the transaction

    In order to properly execute the contract of sale, should support the relevant professionals. There are two variants of this procedure: conclusion of a contract in writing with notary certification or without it, as well as the issuance account-help through thrift store.
    The purchase of movable property does not always require the notary to “support,” however, in the registration divisions of traffic police have other instructions. There may be required a document confirming the purchase of the vehicle that indicates the legality of the whole transaction.
    Как правильно купить машину с рук — все тонкости процедурыDuring the procedure of sale of the car is often involvement of appropriate specialists
    Often such an agreement is concluded in cases where there is no confidence in the dealer or on some inner beliefs of the buyer. Certainly, harm from it will not, but may entail certain financial expenses allocated between the parties. It is also worth noting that the notary recorded only the signature of the parties, not the “cleanliness” of the whole deal.
    Account to help the traffic police authorities are treated with great confidence, especially if they know exactly what documents are required. It indicates that the seller handed over the car to the pawnshop for implementation, and the buyer, respectively, bought it.

    Conclusion

    When buying a used vehicle you should understand that it is better to take the help of qualified professionals. The ideal option is to conduct expert evaluation, with careful diagnosis and documentary verification.

    What is a car loan?

    Under the car loan or car loans understand the loan of funds necessary for the purchase of the vehicle. It is issued for a period of 5 to 7 years with the same interest rate for the entire pay period.
    Since the payments are identical and independent of each other, then this kind of loan is called an annuity. The amount contributed monthly to the Bank by the borrower, fixed in the contract and consists of a body of the credit and percent for its use. In addition, this document spells out the terms of payment of all payments.

    The object of the loan

    As you know, a car loan on a used car with no down payment may be issued by the majority of Russian banks. However, they have strict rules when selecting a vehicle.
    Особенности оформления автокредитов без первоначальных взносов на б/у автомобилиEach Bank may make its own rules of lending
    If to speak about foreign cars, their “age” should not exceed 10 years, the Russian, in turn, is 5 years. Many financial institutions do not lend to the cars produced in India, China, Iran, Belarus, or Ukraine: they are of poor quality, that is, their lending might create undue risks.
    In the absence of the initial payment terms of the loan are focused on 64 months. The interest rate does not change, that is, the debt shall be paid in equal payments prescribed in the contract.

    The subject of car loans

    The client, wishing to obtain the above loan must be a citizen of Russia, living on a permanent basis in the region of location of the Bank. Moreover he must have a permanent job, where institutionalized for at least 6 months. To assess its solvency may require proof of income: stable salary of a certain level is the basic criteria when making the loan.

    The steps of receiving a auto loan

    The first stage

    Estimation of financial position and the possibility of monthly payment of interest and principal is the fact that you need to consider first. Here it is necessary to prepare for possible increases in the interest rate stipulated for the loans. If the “free” money available, then we can proceed to the next stage.
    Особенности оформления автокредитов без первоначальных взносов на б/у автомобилиThe Bank should ensure that you are able to pay the monthly interest

    The second stage

    After deciding on buying a car b/y in loan with no down payment is necessary to analyze the available banking proposals. As is known, program of lending to different financial institutions have their nuances. Many though offer this procedure, but sometimes still require an initial payment.

    The third stage

    Collecting necessary documents, with a detailed list of which can be found on the website of the financial institution that will allow them to prepare thoroughly for the procedure of auto loans. These include passport, employment history, proof of income for six months and driver’s license. After documentation, you must go to the nearest Bank and issue a contract.
    Особенности оформления автокредитов без первоначальных взносов на б/у автомобили

    The fourth stage

    Formal approval of a loan allows you to prepare to attend the dealership or individual to acquire a used car loan with no down payment. It should be noted that the majority of structures does not credit cars that are 10 years older, or having a limited run. In addition, loan officers are loyal to the drivers, wherein the essential driving experience that exceeds 3 years.

    The fifth stage

    After defining desired option of the financed vehicle, a contract for acquisition. The Bank, in turn, is transferred to the account of the dealer of the amount claimed. Perhaps the seller will take some official notice confirming the fact of purchase.

    Tips on choosing a Bank

    As you know, after selecting the desired vehicle is finding a financial organization that can provide a car loan to favorable for a specific client conditions. The best option is through following recommendations:

    • bypass all local Bank branches and the preparation of a comparative table with the main criteria of the loan (amount, terms, interest rates) will help to deal with the financial proposals;
    • in the search you can use the phone book that certainly will require much less time;
    • the choice of the Bank should rely solely on personal interests of the client. For example, the interest rate, the smaller it is, the less is the overpayment for the car;
    • before the execution of all official papers, be sure to familiarize yourself with all items, even those written in small font;
    • you should try to get as much information as possible, including the amount of Commission payments, which are often not mentioned.
    • special attention should be paid to the insurance company, because often it is not issued on the most favorable terms for the client.

    Особенности оформления автокредитов без первоначальных взносов на б/у автомобили

    Conclusion

    Today to purchase an inexpensive used vehicle is not necessary to waste time on a painful accumulation of money. Even in the absence of initial fees, you can get the loan and become owner of the coveted car. Just be prepared for higher rates, the need for proof of funds and compulsory insurance against possible risks.