“Car roll out”: how to buy a car without “cash”, credit and leasing
October 4, 2022
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Parallel imports significantly improved the situation in the car market, closing a niche of more than two million rubles. However, an abyss remained, which no one has yet
Parallel imports significantly improved the situation in the car market, closing a niche of more than two million rubles. However, an abyss remained, which no one has yet been able to fill: LADA Granta and Niva are not produced in such quantities, and Largus and Vesta are more expensive. However, the market is there for that and the market for finding immediate solutions. And one of them was “rolling out”. Read more in the material of the portal “AvtoVzglyad”.
Buying a car year after year doesn’t get any easier – replenishing or updating the family garage takes more and more effort and money. And after February 24, it became a huge problem. Trusted and already studied instruments – credit and leasing – suddenly became irrelevant and available only to a select few: official dealers no longer hide the fact that the lion’s share of sales are accounted for by legal entities, and “physicists” keep only the remnants of their former luxury. Also the resale, which grew like a spear in the spring, died out: the most interesting options were selected, prices fell slightly. They sell scrap for a high price, but “relatively nothing” – for a very high price.
The lack of money for the citizens is the main problem of the virtual standstill of the market. Loan products are expensive and “demanding”, and most buyers do not understand the prospects. Big banks try to squeeze the most out of the customer, and if he is not willing to pay way too much, they will not contact him at all. I don’t even want to remember the greed of private offices. Where can I get borrowed money on adequate terms? How to buy a car?
One of the schemes to solve this problem was the “peal”: the seller does not give the buyer his car at full price, but in fact in private lease – rent with gradual repayment. Previously it was only popular in taxis, now it is everywhere. You can ‘roll out’ both a relatively new car and an intensively used car. In addition, the costs are determined daily and the contract is signed for a period of approximately one year.
Let’s give concrete examples. For example, renting a Daewoo Matiz car – this model is extremely popular for delivery – will cost 500 rubles per day, or 182,500 rubles per year. Shabby Volkswagen Polo sedan – from 1000 rubles per day. Insurance and repair – at the employer’s expense. But the deposit, as a rule, does not imply such an arrangement.
In general, “rolling out” is a lease between two individuals signing a bilateral employment contract – not to be confused with a lease. It indicates both the daily payment and all the conditions and the cost of the subsequent sale: as a rule, one ruble. The process of transferring the rights to the car takes place at the end of the contract. Is it legal? Theoretically yes, because there is no direct prohibition on renting out real estate.
Is it dangerous to make such a deal? Yes, too, because neither party has any guarantees and the contract itself could also be drafted incorrectly. And it is not clear what to do and who owes whom, to whom, how much if the car is broken or stolen. But since the market situation has come to a stalemate and it is difficult to find other opportunities, many even agree to such “grey schemes”. In addition, the service is in high demand – this is evidenced by the number of offers on message boards.
Photo: www.spinny.com
Photo: www.herbchamberscadillacoflynnfield.com/
Buying a car year after year doesn’t get any easier – replenishing or updating the family garage takes more and more effort and money. And after February 24, it became a huge problem. Trusted and already studied instruments – credit and leasing – suddenly became irrelevant and available only to a select few: official dealers no longer hide the fact that the lion’s share of sales are accounted for by legal entities, and “physicists” keep only the remnants of their former luxury. Also the resale, which grew like a spear in the spring, died out: the most interesting options were selected, prices fell slightly. They sell scrap for a high price, but “relatively nothing” – for a very high price.
The lack of money for the citizens is the main problem of the virtual standstill of the market. Loan products are expensive and “demanding”, and most buyers do not understand the prospects. Big banks try to squeeze the most out of the customer, and if he is not willing to pay way too much, they will not contact him at all. I don’t even want to remember the greed of private offices. Where can I get borrowed money on adequate terms? How to buy a car?
One of the schemes to solve this problem was the “peal”: the seller does not give the buyer his car at full price, but in fact in private lease – rent with gradual repayment. Previously it was only popular in taxis, now it is everywhere. You can ‘roll out’ both a relatively new car and an intensively used car. In addition, the costs are determined daily and the contract is signed for a period of approximately one year.
Let’s give specific examples. For example, renting a Daewoo Matiz car – this model is extremely popular for delivery – will cost 500 rubles per day, or 182,500 rubles per year. Shabby Volkswagen Polo sedan – from 1000 rubles per day. Insurance and repair – at the employer’s expense. But the deposit, as a rule, does not involve such an arrangement.
In general, “rolling out” is a lease between two individuals signing a bilateral employment contract – not to be confused with a lease. It indicates both the daily payment and all the conditions and the cost of the subsequent sale: as a rule, one ruble. The process of transferring the rights to the car takes place at the end of the contract. Is it legal? Theoretically yes, because there is no direct prohibition on renting out real estate.
Is it dangerous to make such a deal? Yes, too, because neither party has any guarantees and the contract itself could also be drafted incorrectly. And it is not clear what to do and who owes whom, to whom, how much if the car is broken or stolen. But since the market situation has come to a stalemate and it is difficult to find other opportunities, many even agree to such “grey schemes”. In addition, the service is in high demand – this is evidenced by the number of offers on message boards.
I’m Sandra Torres, a passionate journalist and content creator. My specialty lies in covering the latest gadgets, trends and tech news for Div Bracket. With over 5 years of experience as a professional writer, I have built up an impressive portfolio of published works that showcase my expertise in this field.