Buying a car with you is the process that many people who want to buy a car go through. Indeed, most motorists today purchase a used model. And each has its own reasons. Some have long dreamed of a car that can no longer be found in salons: they simply do not let it out. Others rely on a certain amount for which you can’t buy a new product. Still others save and buy a model that is still in the salons, but used it is cheaper, although the condition is the same. In general, there are a lot of reasons. As well as issues related to the acquisition process. And here it is worth giving an answer.
Make a deal
So, buying a car with you is primarily the conclusion of an agreement between the seller and the future owner. This is the first stage of the transaction. What is he like?
First of all, the buyer and the seller meet. In order for the future potential owner to inspect the car, test it and stipulate the amount that he is ready to give. Very often there is a so-called bargaining at the hood. That is, the buyer and the seller are already on the spot trying to converge in price.
If everything is clarified immediately, then the contract is concluded at the same time. This document is a form (which can be easily found today, since the sample is freely available everywhere), in which the data of the seller and the buyer will be entered. And of course, cars. After that, the buyer gives the seller money and goes to the traffic police department to arrange the car for himself already on the vehicle legally owned by him.
Registration Rules
Recently (just a couple of years ago), the procedure for registering a vehicle for itself has become as simple as possible. This can not but rejoice. The first plus of the innovations is that you no longer need to remove the car from the register. This greatly saves the time, nerves and money of the buyer.
Secondly, the car can now be easily arranged anywhere - in any traffic police department. That is, if a person lives in Rostov-on-Don, but he drove to Krasnodar to get a car, then he can immediately register a vehicle for himself there. And transit numbers are not necessary. So buying a car with your hands has become even easier and more understandable.
Nuances to know about
In every business, as you know, there are pitfalls. And buying a car with your hands is no exception.
The first “stone” is the state of the machine. For some reason, many people (usually amateurs) are puzzled by what kind of breakdowns are in the car, only if they take a vehicle manufactured in the 80-90s. And inspect the car in detail. But in vain, because new cars also need to be checked. In order to avoid unpleasant surprises (breakdowns, etc.), the buyer should insist on an inspection at the service station (at his own expense, of course, and not at the seller’s money). They will certainly say that the car needs to be changed.
The second “stone” is legality. It is important to find out the WIN code from the owner of the car and check on the basis of the traffic police whether it was stolen, whether there were arrests, etc. Otherwise, you can remain without money and without a car if you buy it without understanding this issue.
And the third caveat is the availability of free space in the TCP. It should be. If everything is filled there, then the owner of the car will have to get a new TCP before entering into an agreement.
Having listened to all this, a person will be calm about how his purchase of a car goes from hand. The tips are really effective and have not let anyone down yet.
Title Procedure
This is another important topic. Documents when buying a car with hands should be in perfect order and correctly filled out. The car passport has six points. There are written data of the current owner and the machine itself. Some data must be entered in the first column. The first thing is the owner. Secondly, the place where the new owner of the car is registered. They also indicate the date of sale of the vehicle and a document that confirms the fact that a person has the right to own this car. Actually, this is a contract of sale. The signature of the previous owner is also needed. And the last one is the autograph of the new owner of the car.
Before filling in the TCP, you need to check whether it is genuine. Watermarks are evidence that the document is genuine.
What's next?
The money was transferred by the current owner to the seller, who, in turn, gave him the keys and the car. What is next? The rule of buying a car with your hands says that after that you need to get started registering the car with the traffic police as soon as possible . It takes 10 days, but it’s better not to delay with this matter.
Registration begins by checking the diagnostic card. This is a very important paper, which confirms the fact that the car has passed inspection. By the way, with a card it’s much easier and faster to get insurance - the insurance policy. What to do with it? Contact any insurance company - they will complete everything. By the way, insurance will be discussed a little later, as this topic is also important.
If the diagnostic card is expired, then the new owner passes the inspection himself. This is done at a special site, which is located on the territory of the traffic police. In general, there are many cases, and the term is 10 days. With a strong desire, everything can be done in a day.
Insurance
Now about that. The procedure for buying a car from hand involves the issuance of an insurance policy. It is necessary! Without this document, you can forget about the design of the car. Fortunately for all car buyers, today the policy can be issued at any insurance company.
The cost of a document is calculated according to certain factors. The first is the city. The second - who draws up the car: an individual or legal entity. The type of vehicle also matters. Age, as well as the experience of the driver - a prerequisite for calculating the amount. Car power is also taken into account. And of course, the period for which the policy is issued. The bonus malus factor is also taken into account. This is such a discount system that measures the size of insurance payments.
In general, there are many criteria. But what does it look like in practice?
What is the price of the policy?
What you need to buy a car with your hands has already been said. Now it is worthwhile to show by example how the price of insurance is calculated.
It will be cheaper if it is issued by a 22-year-old (or older) driver with 3-year-old (or more) driving experience. More expensive if you have neither 22 years nor experience. For example, you can take the city of Rostov-on-Don. Passenger car with a capacity of 101-120 liters. from. for an individual with experience and an appropriate age of 10 months or more will cost 8900 rubles. If the owner does not have 22 and experience too, then the amount doubles.
By the way, it is better to always take insurance without limiting the number of drivers. This means that if someone asks the owner for a car for a while, he will be able to provide it without any additional documents. But limited insurance means that only a specific person - the owner - can drive this car. He can still enter someone (for example, the husband draws up a car and inscribes his wife in insurance so that she can also use the vehicle). Only for this will require a driver’s license and a copy of the passport of this person.
The most expensive insurance is in Moscow (not surprisingly). There is a policy for a car with a capacity of 151 liters. from. and higher, with a zero coefficient, it will cost 55 thousand rubles.
Acquisition of a car already taken on credit
And this happens often. Buying a credit car is not a process familiar to everyone. Well, it’s worth clarifying the issue regarding the pros and advantages.
This procedure is very beneficial for the buyer. Because the situation is this way: someone recently decided to take a brand new car on credit. I went on it, gradually paid the debt ... and then unforeseen circumstances happen that require money. Have to sell a car! An announcement is made, a buyer is located ... who pays the loan balance and then becomes the owner of the car. And the fact that the previous owner paid, goes into account discounts. Although depending on how much you paid, sometimes you have to pay extra. In general, the bottom line is that a person in dire need of money is extremely accommodating and ready for anything, if only the loan was repaid and the car sold.
Principles
Now about the rules for buying a car on credit. The buyer and seller go to the creditor bank and find out the balance. After that, the amount is credited to the account. As a result of this, the loan is repaid and the “fetters” are removed from the machine. Then you can already conclude a standard contract of sale.
The transferred amount must be issued with a receipt, it is more reliable. The document states that this money is credited to the repurchase for a specific car (write the color of the car, year of manufacture, make, model, body number and all the little things).
This is the easiest way. Some still try to contact the bank with a request to get permission to sell the car, promising to pay all the debt after the transaction. But few agree to this. Another option is to lay something valuable for the car. Land, apartment, house, etc. But this is also the case in a million.
How to choose?
Many people have the idea that it would not hurt to have a car, but the vast majority do not know which car to choose. The standard situation, but there is nothing terrible in it.
So, the main points of choice for many car owners are the following points: reliability, decent technical specifications, safety, efficiency, quality, comfort and beauty. In principle, if everything listed in the car is normal, then this is an ideal car.
But many people are starting to pay attention to cars only because they need a vehicle that could just be used to drive. Someone simply gets tired of minibuses, others are annoyed by the waiting for a bus, others do not want to be dependent on public transport schedules. Such people just need an economical (that is, either with a diesel engine or with a hybrid) car that will perform its main function - to drive. And cars from this category are as inexpensive as possible. A few tens of thousands to buy enough. The same “Toyota Corona” in a tolerable state (for the year 90) will cost 50 tons. Or “Opel Cadet” for 40 tons There is a choice, and if you want to buy a regular car for a standard ride, you can not worry, there is a suitable option, you can also bargain.
Breaking down stereotypes
And finally, I would like to tell the truth about cars boo. Many mistakenly believe that a hand-held car is the worst option. Not at all! There are such “adult” cars of the nineties, zero and even eighties, that many of the novelties of some manufacturers will be worse. Take, for example, the iconic Mercedes. In the 124th body, in the 201st, 123rd. These are real “iron horses” that remain trending even today, and they serve the new owners, so to speak, faithfully. These cars do not break - a recognized fact.
The same Audi is also a reliable option, Volkswagen. Many buy old Japanese models, American ones. If the previous owners were good, then the car will be in excellent condition. The main thing is that the new owner should also handle him.
And buying cars that are used for a year or two is an extremely profitable business! So you can buy a model in perfect new condition 1/3 cheaper than it is sold in the cabin. Many do so.
In general, there are options, but what choice to make is up to the potential buyer.