But what are the requirements creditor bank imposes on the borrower: – Availability Russian citizenship – age (at time of loan agreement) of 22 to 55 years – permanent residence (permanent registration) in the city, where the creditor bank or branch bank lender – secured car until repayment of the loan – continuous throughout the life of the loan car insurance against risks: theft, damage (insurance) and OSAGO for the driver and persons admitted to driving a car – a guarantee agreement with the spouse (Spouse) of the client. Make no mistake – this is the case of the sudden death of the borrower in an accident. In this case, the balance amount will have to pay a spouse, a survivor … For registration of auto loan borrower will need the following documents: – application form for a loan – a Russian passport (plus photocopy of all completed pages) – a driver's license, and if no driver's license, then the second document (other than a passport) certifying the identity of the Borrower: passport, military ID, passport, seafarer, permit to carry weapons, hunting license, pension certificate, certificate of employment (with a photograph of the holder and seal), and in the absence of these documents: birth certificate, certificate of detention (or divorce), marriage certificate – for legal entities – a certificate from a bank or other document confirming the payment of taxes – to arrange a loan of more than 50 thousand to provide a copy of employment record (certified by the organization – the employer) and a certificate in Form 2 Personal Income Tax.
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