Car loan With the help of our contracted partner you can get your car in 2-3 working days. All you have to do is select the car from the car dealership offer and provide the paperwork needed for the car loan review the rest of our business. You can also hire it for your own used car (leasing) if your car is 100% free of charge. A used car not purchased at our car dealership can also be financed, bring the seller and the car you want to buy to the rest of our business. Amount of own funds on a forint basis, in case of leasing min. 20% Mostly any used car can be leased, be it a passenger car or a van. The leasing car you want to finance can be up to 15 years old. No exchange difference does not change the repayment, always pay the same as when you took out a loan.
Eligible vehicles:
Used vehicle (passenger car, up to 3.5 tons light commercial vehicle, motorcycle, scooter, quad). credit, car used, leasing, car loan, goat car loan, no deposit loan,
The used vehicle must meet the following requirements:
The age of the vehicle at the time of the conclusion of the financing agreement may be up to 14 years and the light commercial vehicle may be up to 11 years;
At the end of the term, the age of the passenger car may not exceed 15 years and that of light commercial vehicles 12 years.
An old car can be financed but at the end of the term the age of the car cannot exceed 18 years.
What kind of self-financing does a car loan require to purchase a car?
You can buy your car for up to 0% (Personal loan for car purchase (Cetelem)) with your own payment, in which case the vehicle is not the head of the pedigree
In the case of leasing (Merkantil bank), the equity ratio is at least 20% of the purchase price. An old car requires 40% of its own power.
Who can take a car loan?
Domestic natural person aged 18 or over with foreign legal capacity (guarantor under the age of 23).
Legal entities registered in Hungary, organizations without legal personality, companies.
Who can choose which funding scheme?
Natural persons: closed-end financial leasing Zero Down Car Dealership
or commodity loan.
Legal entity, non-legal entities (non-natural persons): Closed-ended financial leasing.
Features of car loan and leasing constructions:
In the case of a loan (loan) scheme, the customer acquires ownership of the financed vehicle and pays the loan borrowed according to the contractual schedule.
A finance lease differs from a loan in that the leased asset remains the property of the lessor until the end of the term.
What is the term of the car loan?
The maturity can be from 12 to 84 months from the date of disbursement of financing for natural persons (80 months in
the case of a fixed repayment installment in HUF) or 96 months in the case of non-natural persons (in the case of a fixed installment in HUF) month).
Required documents for individual or pensioner:
a valid ID card with a residence card
tax cardcar loan, leasing, 0%, 0% own funds, car loan goat
valid driving license
pensioner card retirement voucher or current account statement
in the case of an employer's certificate or current account deposit, the last 3 months' full bank statement
Required documents for sole proprietors:
business license
a valid ID card with a residence card
valid driving license
Certificate of income issued by the Tax Office
Required Documents for Corporate Companies:
Company Statement not older than 3 months
signature title copy
Bank account statement
current ledger statement, balance sheet and profit and loss account for the previous year
company executive documents (valid identity card with residence card and tax card)
if the manager of the company has a certificate of income issued by APEH, only the following is not necessary: the income of the manager of the company is credited to the bank account, the last 2 months full bank statement or the employer certificate issued by the company accountant.
previous year's tax return