How do you know if the bank has a car or not?

Most people sooner or later think aboutto purchase a vehicle. Quite often the car is purchased, which he calls "with hands". This is quite a logical step, if money for a new car is simply not enough. However, do not forget that such a choice may contain a lot of dangers. In addition to the fact that the machine can be absolutely in a different technical condition than previously stated, do not forget about the possibility of implementing transport that is in the form of collateral. In this case, the new owner may eventually just be left with nothing. Therefore, not to lose, to the process of choosing and purchasing a car must be approached with great responsibility. The first step and will be a comprehensive check by the future owner of the vehicle. Ways how to find out whether a car is in a mortgage or not, a few. You can use one of them, and, for peace of mind, apply them together.

Crediting on the security of movable and immovable property

In the event that the transport is formalizedthrough a special program, for example, with the help of a car loan, the bank can set an additional condition in which the borrower must provide his property as collateral. Such property can become even a new car. In this case, the passport of the transport itself will be in the bank or another financial institution until the obligations on the part of the borrower are fully met.

Do not forget about another optioncrediting. This is the receipt of cash in a large amount. As a rule, this is an amount of one million rubles, which requires a collateral. Since today an individual approach to the client is the most relevant, it is required that the property as collateral may be with a smaller loan amount.

Consequences of buying a car in encumbrance

Today, many car enthusiasts worry about the issuetransparency of the transaction. Is it really so? What do you need to do and how to find out? If the car is secured, then it is not necessary to talk about the purity of the deal. And especially worth taking into account the fact that in the current economic situation, a vehicle is often the guarantor of a debt repayment for a financial institution.

Every person who decides to buy a car with his hands,should know that if there is no PTS in the provision of a document package, then the transport owner has no right to perform any manipulation, especially the sale. However, some people manage to get a copy of this document and carry out illegal operations. If the deal is still held, it means that all the debt obligations have passed to the new owner of the car.

It can be concluded that for the owner,which has obligations on payments, there are absolutely no obstacles. If you think about it, it does not matter for a financial institution which person to take away a vehicle legally relying on it. In addition, ignorance of the new owner that the transport is in the status of collateral, does not absolve him from liability at all. As a rule, courts also enjoy this practice.

The only way that permitslegislations, is to formally agree with the seller and the buyer and immediately inform him of all the nuances of the transaction. For example, the buyer can repay the debt in the bank, and in the event that there remains some financial difference, hand it to the seller as a balance. It is worthwhile to understand that every buyer under the law is obliged to warn about the pledge of the property being sold. Otherwise, through the court, you can try to recognize the transaction as invalid and return the money.

Signs of the lien car

In order to shield yourself from such asituation, the buyer should be aware of how to find out whether the car is pledged or not. Even before the transaction, it is worth paying attention to the signs that will help to "declassify" the encumbered car.

For example, if the car was designed as a purchase incredit, then each buyer will find in the CASCO an appropriate inscription about which bank provided the vehicle with insurance. Such a record will be present until the bank's client pays all the transportation costs. This is the simplest version of how to find out if the machine is in pledge. Naturally, if there is such a record in the insurance policy, then the option of buying such a car immediately disappears. In addition, there are a number of other signs that may say that the car is a lien.

Incomplete package of documents

Most often in the process of concluding knowinglyThe seller refuses to provide a passport for the illegal transaction. It is worth noting that if he provides a copy of the document, then this is not at all a reason to trust him, since such a fraud does not require much work. To do this, you can only send a request to the traffic police. Therefore, before buying a car, it is worth considering.

The seller used the vehicle suspiciously little time

As a rule, if the car is purchased ataid to the car loan, then on average each borrower will need at least three years to close the debt to the bank. Accordingly, if the car is in use by its owner, the probability that it is mortgaged increases several times.

The contents of the vehicle's documents external financial records

This is another option, how to find out if the car is in credit or collateral. In some cases, a record of a commission may be found on the TCP. Just worth noting that it should alert the buyer.

Excessively low price offer

This fact should also push the buyer tocertain thoughts. In fact, this moment can be attributed to any product, since if the cost is several times lower, it means that there are certain pitfalls. In addition, this fact suggests that the main task for the seller is not making a profit, but a desire to get rid of the car as quickly as possible.

A document showing the purchase of a car

It is worthwhile to be alert, if at the conclusion of a transactionThere is no contract fixing the relationship of purchase and sale. After all, the contract must necessarily state the condition that the property that is acting as collateral is acquired.

How to correctly check the car: is it the subject of a mortgage?

To date, the legal transparency of a potential acquisition can be in several ways:

1. The first way how to find out whether or not you have a mortgagemachine - the official Internet resource. Specifying the VIN number, you can track all information about the debt of collateral, if any. Typically, this is one of the fastest ways how to find out if the machine is in the bank's mortgage. However, it is important to understand that if there is absolutely no information on the site, it does not mean that the car is not burdened. It can be realized as collateral in the process of an informal transaction. In addition, the registration of such information is not at all a prerequisite.
2. Visit the official resource, which organizedtogether banking organizations involved in car loans. As in the first variant, only the car's VIN number is entered. The whole operation through the Internet takes a minimum of time. In addition, it is not only a way of knowing whether a car is in a mortgage or not. This way you can get additional information about the encumbrance of the car.
3. Check with the standard database of the traffic police. Unfortunately, it will not be able to give a specific answer to the question of whether the car is mortgaged. However, it can give confidence that he is not in hijacking and does not participate in any crime.

How not to fall into the hands of scammers?

When buying a car with hands, there isa lot of dangers, so before planning a search for a relevant proposal, you need to create a memo, which questions you need most to pay attention to and how to find out whether the car is in a mortgage or not.

First of all, it is worthwhile to conduct a comprehensive vehicle inspection.

A thorough consideration is also required by the questiondrawing up a contract of sale. It is important to verify the correctness of its filling before signing, because this is the main key to ensure that in the future, quietly enjoy your acquisition. It is very important that the document contains passport data of the seller and the buyer, all information about the subject of sale, including technical characteristics, the full value of the transaction, the date and place of conclusion of the contract.

After specifying all the necessary items, you need tocheck that the signatures were from two sides: the seller and the buyer. It is important to ensure that when specifying the characteristics of the car, all information is indicated in strict accordance with the data specified in the TCP. No errors are allowed in this case.

In addition, it is very important that the contractthe condition is stated that the given vehicle does not participate in the mortgage-property issue. But you can not trust the seller. The buyer should know all the ways how to find out whether the car is pledged. But still, if it turns out that the transportation is the fulfillment of obligations on the part of the old owner, and this condition was specified in the contract, then in that case there is a chance to recognize the transaction as invalid through the court. The seller will have to return the entire amount of money to the buyer. As a rule, if the seller understands that his fraud was not successful, then the case may not even reach the court.

However, additional expenses, nerves and searcha qualified specialist in the legal field - all this can be avoided if you make a maximum effort and find out all the information about the purchased product, learn how to find out if the machine is pledged to the bank or not, and check the object of purchase for the purity of the transaction.