FAQ #3 – Can I buy with finance?

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Today we will answer the question: How can I finance through you? Financing can be done through leasing companies, banks and other financial institutions in our country.

Lease financing is aimed at companies that are more than one year old and in business, or it can even be aimed at newly established companies. It is very important to know certain details about this procedure:

Avansul este obligatoriu! Finanțarea leasing nu se poate acorda fără avans!

– a minimum of 15%, in case of purchase of a company car older than one year;

– a minimum of 20%, in case of purchase of a company car older than one year;

– at least 30%, in case of purchase of a car/utility for a company which is less than one year old or newly established (Start-Up);

Important! If a company is more than a year old but not in continuous operation, it cannot get financing. With no activity, leasing companies assume that the company will not be able to pay its installments.

The maximum financing period is 5 years (60 months) – it is not possible to finance for a longer period, as we are not talking about a mortgage loan (there was a situation where the client asked if he could make installments for 20 years).

Foarte important! Trebuie să rețineți faptul că autovehiculul, la sfârșitul contractului, nu trebuie să aibă o vechime mai mare de 10 ani de zile.

Example: If we have a car with a 2017 model year, the maximum financing period can be up to 3 years (36 months).

The leasing company that makes a small exception to the rules on the financing period at the moment is Porsche Leasing. Through them, a car can be financed for a longer period of up to 6 years (72 months). Also, keep in mind that the vehicle must not be older than 12 years when the contract is finalized.

Example: If we have a car with a 2017 model year, the maximum financing period can be up to 5 years (60 months).

Finanțare | Copyright @ pixabay.com

Financing for individuals can be made through banks or other financial companies. For a person to be able to obtain the amount needed to purchase a vehicle, he/she must have been employed in the country for at least 3 months, i.e. have at least 3 salaries, and have continuity in that employment. The file will be analyzed on the basis of the net salary that the person earns each month (the amount that is paid each month by the employer).

Unfortunately, or fortunately, not all of the amount you earn is taken into account. If the full value were taken into account, the person would probably have to stop eating, or stop buying clothes and shoes, or even stop paying maintenance. 😊

Therefore, 40% of the net monthly earned income will be taken into account, with the other 60% of the money representing the „daily basket” (food, clothing, expenses, savings, emergencies, etc.).

The financing of individuals working abroad, persons who have an employment contract, can only be realized with the help of a co-debtor (guarantor) who is employed in Romania or a retired person. The person working abroad must have at least 3 months’ seniority at the current place of employment and the co-borrower (guarantor) must have received income in the last 6 months.

Finanțare | Copyright @ pixabay.com

DE REȚINUT!

There is no such thing as asking for financing and not giving back more! All financial institutions charge interest, that’s how they manage to make a profit and lend to other people.

All companies work for profit, that’s how the market works. Anyone who still believes in the idea of borrowing money from someone and giving it back after 5 years or less …. is sadly mistaken and is very likely to be behind the times! Now we see that there are people who lend money, with interest, even to relatives, let alone strangers!!!! 😊

Concluzie:

Incercați să căutați produsul și tipul de finanțare care vi se potrivește.

Nu ezitați să întrebați atunci când aveți nelămuriri sau există neînțelegeri privind costurile.

Fiți foarte atenți la produsul pe care doriți să îl cumpărați (avem o bună parte din clienții care ne contactează și care nici măcar nu știu pentru ce mașină ne sună, nu știu nici chiar care este valoarea produsului pe care îl caută). 😊

Un client bine informat este un client câștigat!