La voiture constitue un besoin essentiel du foyer après les biens immobiliers. Vous n’avez pas toujours les moyens financiers pour vous en procurer, vu son prix assez élevé. Les institutions financières vous proposent des offres de crédit pour financer votre achat. Les types de crédit présentent des caractéristiques différentes et des avantages selon le cas de l’acquéreur.
Le crédit personnel auto
Le crédit personnel auto obéit à la législation régissant le crédit à la consommation classique.
- Formalités
Le client adresse sa demande de crédit et fournit les renseignements nécessaires au processus. La banque évalue sa capacité de remboursement avant l’octroi du prêt. Les deux parties conviennent des modalités de remboursement et signent le contrat de crédit.
- Procédures
La banque débloque la somme convenue après signature du contrat. Il la verse ensuite sur le compte du demandeur.
- Avantages
Le client n’est pas tenu de justifier le montant demandé. Cette offre permet ainsi d’acquérir un prêt supérieur au coût de la nouvelle voiture. Elle lui donne la possibilité de disposer de fonds supplémentaires pour envisager l’achat d’équipements ou un entretien ultérieur.
- Inconvénients
Le taux de remboursement du crédit personnel auto est un des plus élevés parmi les diverses offres. Les procédures de remboursement prennent effet dès le versement de la somme au client.
Vous pouvez également vous informez sur https://www.solupret.fr/ pour mieux comprendre ce type de crédit auto.
Le crédit auto affecté
Le crédit auto affecté constitue l’offre la plus adoptée pour l’acquisition d’un nouveau véhicule ou de la prise en charge de votre voiture en cas de panne. Il présente l’avantage d’une procédure simple. Il exige peu de formalités une fois l’éligibilité établie. Le client peut adresser sa demande auprès de la banque ou d’un autre établissement de crédit. Le concessionnaire peut aussi accorder le crédit de lui-même. Pour ce type de prêt, le client ne dispose pas du fonds. La banque le verse directement au vendeur. Ainsi, la transaction met en œuvre le montant exact du prix de la voiture.
Cette forme de prêt procure une certaine sécurité à l’emprunteur. Le remboursement commence seulement après livraison de la voiture. Le client est exempté de remboursement ou de tout autre frais en cas d’annulation de la vente. Il dispose d’une possibilité de revente avant l’échéance du remboursement.
Le crédit ballon
Le crédit ballon se situe à mi-chemin entre le crédit personnel et la Location avec Option d’Achat. En réalité, il s’agit d’une offre plus proche de la location. Le client profite d’un paiement mensuel de faible valeur. Toutefois, il peut effectuer des déplacements avec un kilométrage limité.
Le terme ballon désigne la somme convenue pour l’achat à l’échéance du contrat. Les mensualités restent constantes et dues jusqu’au dernier mois. À ce moment, le client peut choisir de restituer la voiture. Les deux parties peuvent reprendre le contrat avec une autre voiture.
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