Recommandation
Which type of credit?
You found the car of your dreams and there do not remain any more to finance it. That you pass by your usual bank or near l organism of credit which works with the manufacturer, two solutions are offer to you:
- To choose a “traditional” credit (personal loan) which is not related to purchase of your vehicle,
- To choose an “affected” credit. Offer of loan will mention whereas the credit is garanteed to you for purchase your vehicle.
Which to choose?
Personal Loan:
If your bank accepts your loan application, this one will forward to you a written and official offer of valid credit at least fifteen days in which you will find all the elements of the financing (conditions, a number and amount of refunding, rate...). If you accept this offer, the bank will bring to you then his final approval.
Will know that you still have seven days, as from your acceptance to retract you and cancel this application for credit.
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Credit car:
It is, let us recall it, related to purchase vehicle and has two interesting advantages:
Refundings do not begin with the delivery from the vehicle,
If the sale is cancelled after the delivery (vice hidden for example), it will be the same for the credit.
Of course, as for all the appropriations, you lay out seven days legal time to give up it and you can cancel purchase vehicle ifl is not garanted to you.
It should be noted that you will have to begin refundings of the loan as of the delivery and this same if a litigation opposes to you with the dealer.
Your obligations
Refundings should to obviously be discharged you. So for this period you encounter problems d´ordre financial, you can call upon the court which will be able to grant a two years to you additional deadline to regulate the unpaid expiries. You can also approach the commission concerning over-indebtedness.
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If you are able to refund by anticipation the capital remaining due (you find a credit less expensive or you resell the car), the bank will not be able to require any allowance in compensation of you.
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azzo.net 
