What is the best down payment to buy a car?

Hello, now there are so many platforms that can provide lending business, you can apply for bank loans through mortgages, and a more convenient way is to apply for personal credit loans, it is recommended that you choose a formal platform when applying for a loan to better protect your personal interests and information security.

It is recommended to use Youqian Hua, which was formerly known as "Youqian Hua", which is a credit brand of Du Xiaoman Finance, which provides users with safe, convenient, unsecured and unsecured credit services.

It has the characteristics of simple application, low interest rate and fast loan, flexible borrowing and repayment, transparent interest rate and strong security.

Share with you the application requirements for consumer products with money: it is mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card.

Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

This answer is provided by Youqianhua, due to objective reasons such as the timeliness of the content, if the content is inconsistent with the actual interest calculation method of the Qianhua product, it shall be displayed on the page of Du Xiaoman Financial APP-Youqianhua Loan. Hope this helps.

Depending on how much money you have prepared in the early stage, if you have sufficient funds, you can make a 50% down payment, two years interest-free, if the down payment is not very sufficient, you can make a down payment. Well, it is also more appropriate to buy on online platforms with low interest rates.

If the funds in hand are not sufficient, you can choose to make a down payment, and the financial pressure is relatively small.

How many percent depends on your personal needs, and now the market is very flexible, with a minimum down payment of 10% and a maximum of 60 installments.

It can be selected according to individual needs.

The most suitable way to buy a car depends on the personal situation, the funds in each person's hands are different, the credit situation is different, and the local policies are different. Generally speaking, if the manufacturer has a car subsidy, this is the best, but the down payment will be very high, followed by the bank, and then down to the financial company, the down payment decreases in turn, according to their own situation and the price of the car to compare and measure, this is the most suitable for yourself.

With the development of the Internet, buying a car is still very flexible, and you can choose according to your personal needs.

The most suitable down payment to buy a car is mainly based on personal needs, and it is necessary to do what you can.

This depends on your own financial ability, if you have more money on hand, you try to attach more down payment so that the down payment can reduce the interest money?

Buying a car is usually 30% down payment. The down payment on a car is calculated as a percentage of the price of the naked car, for example, a car of 100,000 yuan (the price of the naked car) is a down payment.

30% is 30,000, and a down payment of 40% is 40,000.

Now the down payment ratio when buying a car is generally 30%, and consumers can also choose a lower down payment of 20%, or higher%; These can be freely chosen based on the cash on hand.

1. Bank loans.

The down payment on a car is generally 30% to 50%.

2. Auto finance company loans: the down payment for cars is generally 20%. If you take out a loan to buy a car, you generally don't need to mortgage other things, and the collateral is the vehicle purchased by the user.

There is a limit to the loan term, depending on the qualifications of the lender, the loan term will vary, generally 3 years, and the longest is not more than 5 years.

It should be noted that the "treatment" enjoyed by different down payment ratios is different: the higher the down payment ratio, the fewer conditions that need to be reviewed, for example, a 30% down payment requires the car buyer to provide a valid identity certificate, a marriage certificate for marriage, and a real estate certificate for a house purchase.

The most important thing is to provide bank statements (1 to 2 years) to prove a stable and legal income**.

If you don't use 0 down payment to buy a car, the down payment of about 100,000 yuan for the car is about 3 percent, and the remaining 70,000 yuan is for the loan, and the handling fee is generally about 3,000 yuan, with an annual interest rate.

It is based on personal credit reporting.

The amount of down payment, preferential activities, etc., is generally 4%-8% fluctuating, and here it is calculated at 5%. The total interest of the loan for 3 years is 70,000 x 5% x 3 = 10,500 yuan, and the monthly repayment fee is (70,000 + 10,500) 36 = 2,236 yuan.

The main reason why some old drivers recommend not to take out a loan to buy a car is that there may be some traps and routines, such as participating in zero down payment interest-free preferential activities, you need to buy insurance in our store, or decoration, film, maintenance, etc., and even charge handling fees or service fees, often these parts of the cost earned is higher than the interest on the loan to buy a car. Therefore, it is recommended that consumers should understand the details of loan fees before choosing loan products to avoid unnecessary losses.

Summary. Dear, glad to answer for you! For example, for a car of 100,000 yuan (naked car price), 30% of the down payment is 30,000 yuan, and 40% of the down payment is 40,000.

Now the down payment ratio when buying a car is generally 30%, and you can also choose a lower down payment of 20%, or higher%; These can be freely chosen based on the cash on hand.

Dear, glad to answer for you! For example, for a car of 100,000 yuan (naked car price), 30% of the down payment is 30,000 yuan, and 40% of the down payment is 40,000 yuan. At present, the down payment ratio when buying a car is generally 30%, and you can also choose to pay a lower down payment of 20%, or a higher branch talk; These can be freely chosen based on the cash on hand.

Extended information: Heshan can buy a car with a credit card for the down payment in Changzhong. The down payment of a car loan is clearly stipulated, and it is not possible to use a consumer loan or overdraft credit card to make a down payment, but you can use a credit card to make a down payment, which is allowed by the bank.

When applying for a car loan, you can apply directly to the bank, and after the approval of the next payment, you can repay the loan according to the bill.

Summary. Hello dear! We're happy to answer for you! Buying a car is usually 30% down payment. For example, for a car of 100,000 yuan (naked car price), 30% of the down payment is 30,000 yuan, and 40% of the down payment is 40,000 <>yuan

The down payment for buying a car is generally a few percent.

Hello dear! We're happy to answer for you! Buying a car is generally a 30% down payment. For example, for a car of 100,000 yuan (naked car price), 30% of the down payment is 30,000 yuan, and 40% of the down payment is 40,000 <>yuan

Dear, now the down payment ratio when buying a car is 30%, and consumers can also choose a lower down payment of 20%, or a higher 40%, and a liquid family to do 50%; These are all free to choose according to the cash on hand that you have <> balance

Pro, the down payment for the purchase of a car includes his family's argument for his charging items: car insurance, vehicle purchase tax, license fees, etc., a car of about 100,000 yuan, if you go to the 4S store to buy car Wang Xing car insurance, you need 6,000 yuan than the book, the vehicle purchase tax is about 8,500 yuan, the car license fee needs 350 yuan, and the total number <>of three Zhaoling is 15,000 yuan

Hello dear, <>

I am happy to answer for you, the down payment for buying a car is generally 30%, and the down payment of the car is calculated as a percentage of the naked car price, for example, a car of 100,000 yuan (naked car price), a down payment of 30% is 30,000, and a down payment of 40% is 40,000. Now the down payment ratio for the purchase of a car is 30%, and you can also choose a lower down payment of 20%, or higher%; These can be freely chosen based on the cash on hand. You can use a credit card for a down payment on a car.

There are clear regulations on the down payment of car loans, and it is not possible to use consumer loans and overdraft imitation credit cards to make a down payment, but you can use a credit card to make a down payment, which is allowed by the bank. When applying for a car loan, you can apply directly to the bank, and wait until the next payment is approved to repay the loan according to the bill.

Hello, I'm glad to answer for you: for individual customers buying a car for the first time, the mileage is within 30,000 kilometers, and the mileage is within 2 million yuan, and the down payment of 30-40% is a more reasonable range. **For customers with high mileage or old car purchase and general credit status, the down payment should be controlled at more than 40%, which is more cautious.

Some banks also offer preferential loans with a down payment ratio of up to 30%, but it depends on the actual situation of the individual to prevent the loan from being too risky. The down payment for a car generally requires around 30-50%. The specific proportion is determined by the following factors:

1.Car model**: The higher the price, the higher the down payment ratio is required to reduce the risk of the loan.

The down payment of models within 2 million is about 30-40%, the down payment of 200-5 million is about 40-50%, and the down payment of more than 5 million is best controlled at more than 50%. 2.Vehicle Age & Mileage:

The down payment for a brand-new car or a car with less mileage can be appropriately lower, and the down payment for a car with a higher age and more mileage is best controlled at more than 40% to limit the loan risk. 3.Customer Credit:

The customer's credit status is good, the loan risk is small, and the down payment ratio can be appropriately reduced; The customer's credit is average, and the down payment should be controlled at about 40%; The customer's credit is poor, and the down payment needs to be appropriately increased to limit the loan risk. 4.Interest Rate:

The lower the interest rate, the lower the down payment ratio; Interest rates are high, and the down payment ratio needs to be increased appropriately to limit monthly payments. 5.Loan Term:

If the loan term is long, the down payment should be appropriately increased to avoid increasing the risk of loan repayment; The loan term is short, and the down payment ratio can be appropriately reduced. 6.Bank Policies:

Different banks have different requirements for the proportion of the first payment and the proportion of the first time car buyer has certain discounts, and the down payment ratio can be reduced to about 30%, depending on the individual situation.

Depending on the installment or borrowing method, you must first pay a down payment with a certain amount of credit, and the amount of the down payment for a car purchase generally depends on the installment plan plan or financial information service you choose.

Taking the 10th generation Accord hybrid version as an example, there are 4 types of financial industry planning schemes that can be selected, in which the bill installment does not require a down payment; GAC Huili Balloon Loan must pay a 60% down payment; The down payment of GAC-SOLI All-Share Loan is 20% of the guide price; The down payment of GAC-SOLI National Union Baosong is 50% of the guide price.

There are only 3 types of financial industry plans that Highlander can choose, in which there is no need to pay a down payment in bill installments; The down payment of GAC-SOLI All-Share Loan is about 20% of the guide price; The down payment of GAC-SOLI National Union Baosong is 60% of the guide price.

Can you pay a down payment of 10% for a car purchase in a car 4S store?

This problem lies in whether the financial information service of the first business is a plan for a down payment, but according to statistics, the vast majority of car 4S shops only give % of these types of down payment to be able to choose, and there are very few 10% that is, a down payment. In fact, it is necessary to communicate with the salesman to understand, after all, the standards of automobile 4S shops in different areas are very likely to be different.

There's a good chance you're not clear.

The down payment for a car purchase also includes vehicle purchase tax, car insurance, license plates, and other expenses, so the down payment calculated according to the guide price and its down payment ratio is only one of the down payment or the adjustment, and finally the miscellaneous expenses must be counted. When estimating the estimate of your own car, you must pay special attention to a clear grasp.