Basic ways to check the car for a deposit in the bank

When buying a car that already belonged to someone, you always need to remain alert. Since, after running into scammers, you can face very serious unpleasant consequences that will hit hard on the buyer's pocket. This is not just a technical malfunction of the vehicle. A person can buy a car that acts in a loan agreement as collateral. In this case, the buyer risks losing both money and the car itself. Therefore, it is so important to know before buying how to check the car for a deposit in the bank.

When should you check the purchased vehicle?

If, when inspecting a car and documents on it, the buyer has questions that the seller can not give a clear answer, or there is reason to doubt his words, it is better to conduct a comprehensive verification of the subject matter of the transaction. The buyer must know how to check the car for a deposit in the bank. First of all, the future owner of the machine should alert the following points:

1. Lack of a TCP. As a rule, if the car is purchased on credit, the title is issued to the owner after all the debt obligations have been fulfilled.
2. Provision of a copy of the title. The presence of a vehicle's passport, besides only a copy of it, may also indicate a sewage transaction. Since this document can be easily obtained and if there is no original on hand (for example, if it is with a credit institution), it is only necessary to contact the appropriate authorities.
3. Absence of documents confirming the fact that the car was purchased by its current owner. There is an option that the car is in pledge with the credit organization, so the document on the purchase of the car from the owner is not on hand.
4. Additional inscriptions from financial organizations in the documents of the car. In the column where the CASCO policy should be indicated, the banking institution appears. This fact indicates that this car is the subject of a pledge or was such. Alas, the SAI does not provide official information about the vehicle to a person until the moment of its legal registration, but it is possible to apply to car market workers who have the opportunity for a very reasonable fee to check this vehicle in the database. It is also possible to check the car informally with the help of bank employees using the interbank system. This service is also provided only for a fee. Another way, how to check the car for a deposit in the bank, is to contact an authorized dealer center. However, you can do this only in the presence of the seller.

How to check the vehicle for collateral?

Knowing the VIN number and in some cases the passport data of the owner of the purchased vehicle, you can independently verify the absence of encumbrance of his car by credit institutions through Internet resources.

Checking through the official website of the State Traffic Safety Inspectorate

Of course, this is not a 100% option, how to check the car for bail when you buy. Here you can get information about the presence of restrictions on registration actions on the vehicle. If there are such prohibitions, the owner of the car can not be changed. The reason for such sanctions may be, among other things, the pledge of a car in a credit institution.

Checking through the resource of bailiffs

To obtain information, the seller's passport data will be required. If executive enforcement is open to him, then it is possible that the vehicle is in pledge. In the event of a transaction, it can be challenged at any time by creditors. In addition, such a property may be subject to a restriction of registration actions, while this information has not yet been entered in the registry of the State Traffic Safety Inspectorate. In this case, after the purchase, the new owner will not be able to register the car for himself.

Through the Notary Chamber

This is another way how to check the car for a deposit with the bank. She maintains a register of pledges of movable property. As soon as a pledge agreement was concluded with regard to property, including the TS, many financial organizations transmit information about it to a notary for inclusion in a single database. Thus, banks protect their rights and do not neglect the provision of information. Therefore, this is an effective way to check the car for a deposit in the bank.

Official resource about credit cards

This is the easiest way to check a car for a deposit in a bank for free. авто. All you need to know is the car's VIN number . It is enough to enter it into the appropriate field and get the information available in the database. Most of the creditors cooperate with this resource, but, unfortunately, not all. Therefore, the risk still exists.

Conclusion

Buying a car is a serious step for every person, so pay attention to the information received, it can save potential buyers from deception and other unpleasant risks.