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Individual loans | Funding your vehicle
Persons who want to own their vehicle at the beginning of the financing contract and do not have a security bond for their purchases. Then you select your vehicle at the showroom and give the retailer the money that you have lent. Since you borrow a flat rate to buy the full vehicle, you immediately become the rightful owners once you have payed the retailer.
Personal credits, however, are usually uncollateralised arrangements. That means you can't return the vehicle in case of difficulties, although you can choose to resell it to pay back the amount you owed to your account. As part of a personal loan contract, you immediately become the vehicle's proprietor, but must still pay back to the local banking or finance company until the loan amount has been fully disbursed.
By the end of the arrangement, the entire actual value of the vehicle could be refunded if you choose to resell it or exchange it as a security for your next one. Immediately you become the owners of the vehicle and can do whatever you want with it. It is up to you to choose how long you wish to pay back the loan.
Deposits are repaid each month for the term of the loan contract. Personally-granted credits are usually uncollateralized, which means that you cannot return the vehicle if you cannot pay back your loan. Subject to your loan histories, you may not be entitled to the minimum interest rates applied by the personal loan originator.
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FAQs on personal loans | Hitachi Personal Finance
Is it possible to modify the duration of my loan to decrease my montly payment? As soon as you have been approved before signing your Hitachi Personal Finance loan, you can cut your monthly payment by raising the maturity of your loan. It should be noted, however, that an extension of the duration of the loan increases the total amount.
Is it possible to raise my montly instalments to shorten the duration of my loan? Even though you cannot modify the amount of your regular montly fee, you can always make an overpayment and even pay off your loan early at no extra cost, which shortens your credit period.
What is the duration of my job interview? When applying on-line, the recruitment procedure should not take longer than ten minute. Once your loan is approved, you can also complete your e-signature on-line, which allows us to get the money to you faster. Launch your on-line jobseeker. However, if you would rather talk to someone, please call 0343 351 9112 and a member of our loan team will review the request with you.
Decisions shall be taken immediately after the request has been made. Which is the cheapest price you are offering? If you are looking for a personal loan through Hitachi Personal Finance, our minimum interest rates are 3.3% per annum for credits between 7,500 and 25,000. All the frequently asked questions you need to answer before you apply for a personal loan through Hitachi Personal Finance. Annual percentage rates of charge that will be quoted to you when a loan is approved may differ according to your personal situation.
Which are the minimal and maximal credit sums? Which is the minimal and maximal runtime? Where do I pay my rebate? In order to request a Hitachi loan, you must fulfill the following criteria: In the event that we are paid a sum in excess of your standard one-month subscription, we will consider the excess as a part prepayment unless you notify us otherwise.
We do not change your montly payouts, but we decrease your last payout and/or the length of the arrangement by adapting the number of payouts according to the amount you pay. They have the right to cancel the contract without giving reasons for a 14-day term.
Deadline of 14 workingdays begins the following working days after signing the contract. In this case, you must pay back the full amount within 30 working days and the contract will be canceled. If, at the end of the 14-day term, we have not received any information from you, we will consider that you are satisfied with everything and that you are subject to the conditions of your loan.
If my request is expelled, what does it mean? When your loan is forwarded, it means that we have to do some extra checking against your request. If my job is rejected, what can I do? At the moment we do not provide a refund holiday, but that is something we are considering. We may be able to provide you with a loan with a higher APR and a higher per month payment for those clients to whom we cannot do so.
Could I "top up" my loan? What do I do to get my credit contract? Our e-signing services allow you to conclude your loan contract on-line, which is a quick and easy way to conclude your contract and allows us to transfer the money to you as quickly as possible.