The car loan comes in several forms:

The most common car loan is an “earmarked” consumer loan, the contract of which specifies what the capital must be used for: the use of funds must be justified by the beneficiary. This type of loan is granted more easily, and generally at a better rate, than the conventional personal loan while being more protective since the credit can be canceled if the sale does not take place (absence of delivery, defective model). The personal loan remains of course a possibility for the borrower, especially since the flexibility in the use of the funds makes it possible to cover other financing needs such as work or a difficult end of the month. But it must be reimbursed whatever happens, even if the purchase of the car is not concluded, since the capital is not affected ... Some automobile brands offer zero-rate credits in their dealerships, or payment facilities that take the form of interest-free loans: the monthly payments cover only the amount required for the purchase of the vehicle, plus administration fees and costs. 'insurance. However, these loans are "captive" because the beneficiary can obviously only buy a car of the corresponding brand. Dealers and manufacturers have developed leasing with rental with option to purchase (LOA), an offer which makes it possible to finance the use of a car via the payment of rent and to be able to definitively buy the vehicle (or not) from the 'after the term of the contract. In all cases, the amount of a consumer credit cannot exceed € 75,000, regardless of the model purchased. If the desired vehicle has a purchase price above this limit, it will be necessary to supplement the car loan with a personal contribution or another loan. In addition, the repayment period is limited: from 3 months to 7 years.


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Last-modified: 2020-03-22 (日) 00:04:39 (249d)