When buying a car that already belongedsomeone, you always need to stay alert. Because, running into a scam, you can face very serious unpleasant consequences that will hit the buyer's pocket. It is not only about technical malfunctions of the vehicle. A person can buy a car that acts in the loan agreement as collateral. In this case, the buyer risks losing both the money and the car itself. Therefore, it is important to know before buying how to check the car for a deposit in the bank.
When should I check the purchased vehicle?
If when inspecting a car and documents on itthe buyer has questions that the seller cannot give a clear answer to, or there is reason to doubt his words; it is better to conduct a comprehensive check of the subject 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 car should be alerted by the following points:
- Lack of TCP. As a rule, if a car is purchased on credit, then the TCP is issued to the owner after all the debt obligations have been fulfilled.
- Providing a copy of the TCP.The presence of the passport of the vehicle, besides only its copy, may also indicate that the transaction was unclean. Since this document can be easily obtained even in the absence of the original on hand (for example, if it is located at a credit institution), one has only to contact the relevant authorities.
- The lack of documents confirming the factacquiring a car by its current owner. There is an option that the car is pledged to a credit institution, so there is no document about the purchase of a car from the owner.
- Additional inscriptions from financial institutionsin car documents. In the column where the CASCO policy should be indicated, a banking institution appears. This fact indicates that this car is the subject of a pledge or was such. Alas, the traffic police does not provide official information about the vehicle to a person until it is legally registered, but you can contact the employees of the car market, who have the opportunity for a very reasonable fee to check this vehicle in the database. You can also informally check the car with the help of bank tellers using the interbank system. This service is also provided only on a fee basis. Another way to check a car for a deposit in a bank is to contact the official dealer center. However, this can be done only in the presence of the seller.
How to check the vehicle for collateral?
Knowing the VIN number and in some cases the passportdata of the owner of the purchased vehicle; it is possible to verify that there is no burden on his car by credit institutions through Internet resources.
Check through the official website of traffic police
Of course, this is not an absolute option, ascheck the car for bail upon purchase. Here you can get information about the presence of restrictions on registration actions on the vehicle. In the presence of such prohibitions, the owner of the car can not be changed. The reason for such sanctions may be including the pledge of a car in a credit institution.
Check through the resource bailiffs
Passport information is required.data of the seller. If it is open to enforcement proceedings, it is possible that the vehicle is pledged. In the case of a transaction, it can be challenged by creditors at any time. In addition, restriction of registration actions may be imposed on such property, and this information has not yet been entered into the register of traffic police. In this case, after the purchase, the new owner will not be able to register the car for himself.
Through the notarial chamber
This is another way to check for auto bail.at the bank. She keeps a register of pledges of movable property. As soon as a pledge agreement was entered into with respect to property, including the CU, many financial organizations transfer information about it to the notary for inclusion in a single database. Thus, banks protect their rights and do not neglect the provision of information. Therefore, it is an effective way to check the car for a deposit in a bank.
The official resource of the credit vehicle
This is the easiest way to check the car for a deposit in the bank for free. All you need to know is VIN number auto.It is enough to enter it in the appropriate field and get the information available in the database. Most lenders cooperate with this resource, but, unfortunately, not all. Therefore, the risk does exist.
Conclusion
Buying a car is a serious step for each person, so you should pay attention to the information received, this can save potential buyers from fraud and other unpleasant risks.
