Buying a car with hands. The procedure for processing documents

2024 Author: Erin Ralphs | [email protected]. Last modified: 2024-02-19 11:42

Buying a used car is a process many people go through when they want to buy a car. Indeed, most motorists today purchase a used model. And everyone has their own reasons. Some have long dreamed of a car that can no longer be found in showrooms: it is simply not produced. Others rely on a certain amount for which you can not buy a novelty. Still others save money and purchase a model that is still in showrooms, but used it is cheaper, although the condition is the same. In general, there are many reasons. As well as issues related to the acquisition process. And here they should be answered.

Deal closing

So, buying a car from hand is primarily the conclusion of an agreement between the seller and the future owner. This is the first stage of the deal. What is it?

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 onprice.

If everything is clarified immediately, then the contract is concluded at the same moment. This document is a form (which today can be easily found, since the sample is freely available everywhere), in which the data of the seller and buyer will be entered. And of course, cars. After that, the buyer gives the seller the money and goes to the traffic police department to register the car for himself already on the vehicle that legally belongs to him.

Registration rules

Recently (just a couple of years ago), the procedure for registering a vehicle for yourself has become as simple as possible. This cannot but rejoice. The first plus of the innovations is that you no longer need to remove the car from the register. This saves a lot of time, nerves and money for the buyer.

Secondly, the car can now be easily issued anywhere - in any department of the traffic police. That is, if a person lives in Rostov-on-Don, but he went to Krasnodar for a car, then he can immediately register the vehicle for himself there. And you don't need transit numbers. So buying a car from the hands has become even easier and more understandable.

Nuances to be aware of

Every business, as you know, has its pitfalls. And buying a used car 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 there are in a 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. Into 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 definitely 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 the traffic police database to see if it was stolen, whether there were arrests, etc. Otherwise, you can be left without money and without a car if you buy it without understanding this issue.

And the third nuance is the availability of free space in the TCP. It should be. If everything is filled out there, then the owner of the car will have to get a new TCP before signing the contract.

Having listened to all this, a person will be calm about how he buys a car from his hands. The advice is really effective and hasn't let anyone down yet.

Procedure for filling out TCP

This is another important topic. Documents when buying a car from your hands must be in perfect order and correctly filled out. There are six points in the car passport. The data of the current owner and the machine itself are written there. In the first column you need to enter some data. First of all, this is the full name. 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. In fact, it is a contract of sale. The signature of the previous owner is also required. And the last thing is the autograph of the new owner of the car.

Before filling out the TCP,I need to check if it's genuine. Watermarks are evidence that the document is real.

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's next? The rule of buying a car from the hands says that after that you need to register the car with the traffic police as soon as possible. 10 days are given for this, but it’s better not to delay this matter.

Registration starts with 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 is much easier and faster to get insurance - an OSAGO policy. And what to do with it? Contact any insurance company - everything will be issued there. By the way, we will talk about insurance a little later, as this topic is also important.

If the diagnostic card is expired, then the newly minted owner himself passes the inspection. This is done on a special site, which is located on the territory of the traffic police. In general, there are a lot of cases, and the deadline 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 your hands involves the issuance of an OSAGO insurance policy. It is necessary! Without this document, you can forget about the registration of the car. Fortunately for all car buyers, today a policy can be issued at any insurance company.

The cost of the document is calculated according to certain factors. The first is the city. The second is who draws up the car: an individual or a legal entity. The type of vehicle also matters. Age, as well as the experience of the driver is a prerequisite for calculating the amount. The power of the car is also taken into account. And of course, the period for which the policy is issued. It also takes into account the bonus-malus coefficient. This is a discount system that measures the amount of insurance payments.

In general, there are many criteria. But what does it actually look like?

What is the price of the policy?

It has already been said about what you need to buy a car from your hands. Now it’s worth using an example to show how the price of insurance is calculated.

It will be cheaper if it is issued by a 22-year-old (or older) driver with a 3-year (or more) driving license. More expensive if you are neither 22 years old nor experience. For example, we can take the city of Rostov-on-Don. Passenger car with a capacity of 101-120 liters. With. for an individual with experience and the corresponding age for 10 months or more will cost 8,900 rubles. If the owner is under 22 and experience too, then the amount is doubled.

By the way, it's always better to take out 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 can sit behind the wheel of this car - the owner. He can also write someone else in (for example, a husband draws up a car and writes his wife into insurance so that she can also use the vehicle). Only this will require a driver's license and a photocopy of the passport of this person.

The most expensive insurance is in Moscow (no wonder). There is a policy for a car with a capacity of 151 liters. With. and above, with a zero coefficient, will cost 55 thousand rubles.

Purchasing a car already borrowed

And this happens often. Buying a credit car is a process that is not familiar to everyone. Well, it is worth clarifying the question regarding the pros and benefits.

This procedure is very beneficial for the buyer. Because the situation is as follows: someone recently decided to take out a brand new car on credit. I went on it, gradually paid off the debt … and then unforeseen circumstances occur that require money. We have to sell the car! An ad is placed, a buyer is found… who pays the balance on the loan and then becomes the owner of the car. And what the previous owner paid goes towards the discount. Although depending on how much you paid, sometimes you have to pay extra. In general, the bottom line is that a person who is in dire need of money is extremely accommodating and is ready for anything, so long as the loan is repaid and the car is sold.

Principles

Now about the rules for buying a car on credit. The buyer and the seller go to the creditor bank and find out the balance. After that, the amount is credited to the account. As a result, the loan is repaid and the shackles are removed from the car. Then you can already conclude a standard contract of sale.

The transferred amount must be issued by receipt, it is more reliable. The document states that this money is credited to the ransom fora specific car (they write the color of the car, year of manufacture, make, model, body number and all the little things).

This is the easiest way. Still others try to apply to the bank for permission to sell the car, promising to pay the entire debt after the transaction. But few agree to this. Another option is to put something of value behind the car. Land, apartment, house, etc. But this is also a case in a million.

How to choose?

Many people have the idea that they could use a car, but the vast majority of them do not know which car to choose. Standard situation, but nothing terrible in it.

So, the main selection criteria for many car owners are the following points: reliability, decent technical characteristics, safety, economy, quality, comfort and beauty. In principle, if everything listed in the car is normal, then this is an ideal car.

But many are starting to look at used cars just because they need a vehicle that they can just drive. Someone simply gets tired of minibuses, others are annoyed by waiting for a bus, others do not want to be dependent on public transport schedules. Such people simply need an economical (that is, either diesel or hybrid) car that will fulfill its main function - to drive. And cars from this category are as inexpensive as possible. A few tens of thousands will be enough to buy. The same "Toyota Crown" in a tolerable condition (for the year 90) will cost 50 tons. R. Or "Opel Cadet" for 40 tr. There is a choice, and if you want to buy an ordinary car for a standard ride, then you don’t have to worry, there is a suitable option, and you can also bargain.

Breaking stereotypes

And finally, I would like to tell the truth about used cars. Many mistakenly believe that a hand-car is the worst option. By no means! There are such “adult” cars of the nineties, zero and even eighties of release that many new items from some manufacturers will turn out to be worse. Take, for example, the iconic Mercedes. In the 124th body, in the 201st, 123rd. These are real “iron horses”, which even today remain in trend, and they serve the new owners, so to speak, faithfully. These machines don't break down, it's an accepted fact.

The same “Audi” is also a reliable option, “Volkswagen”. Many people 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 treat him the same way.

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 for 1/3 cheaper than it is sold in the salon. Many do.

In general, there are options, but what choice to make is up to the potential buyer.