To get the wheels, rather than run on his own two feet - a task now complicated.
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Wear the yoke of credit during the recession itself will only man, firmly confident in its future. And there are today, as you know, a little bit. People just do not know what salary they will receive tomorrow generally remain at a previous job. However, experts expect that in the coming months, car loans in Ukraine still revive. Conditions were enslaving My friend Valery bought two years ago foreign car b / y. Like good look at it closely, but after six months have problems. View the car quite marketable, so he tried to sell her over 10 thousand dollars. Alas, there were no volunteers. Finally got rid of the technique 2 thousand less and began to ponder what to do with the money. The previous car was air conditioned, central locking, windows etc. Therefore, a new wheelbarrow and wanted a comfortable, but Cash was enough. Saw one way out: a car loan. Valery began to "storm" banks. Already telephone conversations with managers revealed that within the powers of contract should not wait. Interest rates are off scale at 30%, plus many wanted one-time fee of 1-2% of the loan amount. In general, credit for five years, as before the crisis, not in a hurry, offering to supply donations and for three years. - We seek, - sighed, and began to ring familiar car dealers. In the spring sales of new cars realized: wait for the mercy the situation is not necessary. And they began to offer customers their own programs lending. Conditions in comparison with the banks seem to look decent - About 20% per annum. But there has not been without "nuance." Let them take a debt in dollars today can not be safe from possible currency fluctuations implementers still managed. - In the case of increasing official rate "green" the amount of debt can also be increased - reluctantly revealed Cards manager of one of the salons. Again, the commission, only this time - is under 4%. Yes, and a mandatory policy Hull, and in that company, on which you indicate. - However, the gold car comes out - muttered Valery. But the car itself still bought it. Again ... a foreign car b / y. Market wakes up? According to the company "Prostobank consulting" loans to buy now cars are given in 10 banks. Lend to the domestic auto run the risk of eight financial institutions. Some time ago, in our portfolio of mortgage broker had 25 banks, which provide services to avtozaymu. But in December, we worked with only one: all the rest rolled their activities - complains Deputy of the Corporation "Ukravto" Natalia Bay. The entire year of the crisis Experts stated the drop in sales of cars. Finally summer has been some recovery. In July, got rid of 16% more cars than in June. However, positive still there: for 12 months on the market collapsed three-quarters. - Before the economic decline in the debt trading about 60% of technology - says chairman Corporation "Ukravto" Alexander Kozis. - Now, unfortunately, these figures decreased to 5-6%. Dealers hope that the resumption of lending rise and sales. But if the Ukrainians are ready today and spend money on cars, the most readily acquire second-hand. During the year the transaction with cars that have mileage decreased only by 15%. Not without purpose experts expect the banks to lend again will risk money on them. Overall market today b / the machines of more than two times the sales of new! Interestingly, Ukrainians prefer that iron horses age 3-5 and 6-7 years. Sales "Six-year" of all stripes generally decreased by only 1%. Although the "wheel" Owned credit is not in a hurry. Some financial institutions, however, offer a debt secured by real estate. Only now become the owner of a well-worn a car with a risk of losing the apartment certainly want a few. And still Experts are hopeful. - The main segment, which promises in the near future during development, it is auto loans. Behind him - consumer loans. I think we will reach a level of 2005-2006., - The Deputy Chairman of the Board "Astra-bank" Anton Pogorelov. But the forces at the end of joy about reviving car loan is not talking about the economy recovers. Up to solve all the problems have to wait and wait. And people are already large efforts and reluctant to extinguish the old debt. About a year ago, experts considered problem loans of 3-5% of the total. But in summer the situation changed dramatically, and now commercial banks believe that the number of defaults overdue loans and close to 10-15%. Those who are not willing to give with their blood taken for the purchase of cars, a little less - about 8%. - Not all financial institutions to make public the statistics, but the number of really bad loans is about 10% or even higher - recognized Chairman of the Board of "Astra-bank" Michael Vlasenko. - Peak of problem loans have in the fall. In short, even with a burning desire a new car currently the bulk of the citizens not the teeth. Although dealers are lower prices and attract discounts, cost of goods falls only in the currency. If couple of years ago for the German foreign car in the base were asked in the cabin just over 70 thousand hryvnia, then now is a cost at least 95. All favors "Eat" chahnuschaya hryvnia. What about them? Abroad, people are wiser In the United States found a way to increase interest in the car market. Citizens propose to change the old machines with new ones. Under this deal the government even allocates a grant of $ 3, 5-4, 5 thousand dollars. The program is mad success. Shtatovskih experience already adopted in China, UK, Japan, and in January of 2010 a pilot project launched in Russia. View Head of Information and Analytical Center of FOREX CLUB Nikolay Ivchenko volume of consumer loans are reduced. Show growth only some segments - car loans and cash loans. Fall rates on them can be expected at 5-6% over the next 6-9 months. At present, average in the national currency is 27-28% and up to the crisis was 16-17%. In fact, to rates have reached levels of lost, you will need a minimum of two years. By the way for what will have to pay: CASCO insurance policy - about 7% of the cars each year. Police CTP - 300 UAH. in year (buy insurance, will likely have in the company, which you impose upon the creditor). Notary services on registration of the mortgage - about 600 UAH. Put on record - 3-6 ths. Requirements for the borrower: - "White" wages - payment the loan should not exceed 40% of monthly income - the original installment - 50% of the car - welcome real estate as collateral and guarantors. Required documents: - Copy passport (and your spouse / wife) - ID code (and your spouse / wife) - Certificate of detention marriage. If you are divorced - a document to break the marriage; - Help the salary for the last six months showing the post.
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