I m ready to go to the car inspection to pay the down payment, what are the precautions, and how to

Three-pack service card.

According to the relevant regulations, if the car is faulty or damaged due to manufacturing quality problems within a certain time and mileage, you can enjoy the manufacturer's free service with the three-pack service card.

Check the nameplate. Check the exhaust volume, date of manufacture, frame number, engine number and other contents on the nameplate, and the number on the certificate must be consistent with the engine number and frame number on the car.

Basic information about the vehicle.

The basic information table of the vehicle clearly informs the information of the purchased vehicle, and the vehicle cannot leave the factory without the basic information of the vehicle.

The above part of the documents and vouchers must be carefully checked, if any omissions, errors must be asked to the seller to solve immediately, otherwise it will affect your license, future warranty and other content. For larger 4S dealers, theoretically the above information will not be a problem, but for those dealers who are not very formal, please be sure to check carefully, so as not to fall into the trap of car dealers due to text or other reasons.

When inspecting the car, it should also be checked whether the tools and accessories of the car are complete. In particular, whether the instruction manual is complete. It is also necessary to carefully check the facilities and configuration according to the manual, and check whether the various buttons and switches are effective against the manual.

A priori car. Buyers who take out a loan to buy a car must also meet the following conditions:

1. The car buyer must be at least 18 years old and a Chinese citizen with full capacity for civil conduct.

2. The car buyer must have a relatively stable occupation and a relatively stable economic income or have assets that are easy to realize, so as to repay the principal and interest of the loan on time. The assets that are easy to realise here generally refer to valuable** and gold and silver products.

3. During the loan application period, the car buyer shall deposit no less than the down payment for the car purchase stipulated by the bank in the account of the bank savings counter.

4. Provide the bank with a guarantee approved by the bank. If the buyer's personal account is not local, a joint and several liability guarantee should also be provided, and the bank will not accept the mortgage set by the buyer to purchase the vehicle with a loan.

5. The car buyer is willing to accept other conditions that the bank deems necessary.

If the applicant is an enterprise or institution with legal personality, the following conditions shall be met:

1. Have the ability to repay bank loans.

2. During the loan application period, the down payment for car purchase shall not be less than that stipulated by the bank and deposited into the accounting department of the bank.

3. Provide recognized guarantee to the bank.

4. Willing to accept other necessary conditions proposed by the bank.

Buying a car with a loan is to pay a down payment first and then inspect the car. Loan to buy a car refers to the loan issued by the lender to the borrower who applies to buy a car, which is actually borrowing money from a financial institution to buy a car, but the financial institution requires the car buyer to pay a certain percentage of the down payment and provide proof of repayment ability, no bad credit history, and must meet the requirements of the financial institution to apply for a loan to buy a car.

Car Loan Application Requirements:

1. The car buyer must be at least 18 years old, have a valid identity certificate and have full civil capacity.

2. Able to provide proof of fixed and detailed address.

3. Have a stable occupation and the ability to repay the principal and interest of the loan on time.

Buying a car with a loan is to apply for a loan first, and then make a down payment after the loan application is approved. Because if you pay the down payment in advance, but you can't apply for a loan, you won't be able to buy a car at that time, and you won't be able to buy it. Therefore, it is best to make a down payment after the loan application is completed, so as to avoid the trouble caused by the loan application.

After all, the money is in your own hands, and the car will not run away, so you don't have to rush to pay the down payment first.

The car can only be picked up after the down payment.

The general steps to buy a car with a loan are as follows:1.Book a car first;

2.Loan procedures at 4S stores: including providing information and signing loan details;

3.Wait for the bank to give the 4S store the loan consent for this loan;

4.After getting the consent letter, the 4S store will generally notify the customer to make a down payment;

5.The customer picks up the car and registers the license;

6.After the completion of the license of the information mortgage bank;

7.A few days after the mortgage (generally depends on the bank's review), the payment will be made to the 4S store.

Car mortgage for the car: After the vehicle mortgage is registered, the car needs to be kept in the garage designated by the lending institution, and the car can no longer be used. The loan amount is higher than that of the non-car mode, the interest rate is lower than that of the non-car mode, and the loan term is longer than that of the non-car mode, so there is no need to install GPS.

Generally speaking, there are two advantages to buying a car with a loan, one is that you can use the saved money in other places, such as investment, and the money from investment may be more than the loan interest; Second, you can accumulate credit, take out a loan to buy a car, and as long as you repay the loan on time, you can accumulate good personal credit, which will help you apply for loans and credit cards in the future.

The process of taking out a loan to buy a car is as follows:

1. Book a car. Book a car first and then go through the loan process, and negotiate specific preferential policies with the 4S store.

2. Submit the loan procedure information. Usually required: identity certificate of both husband and wife, driver's license, marriage certificate, real estate certificate, income certificate, bank statement and other materials.

3. Wait for approval. After submitting the loan procedures, the bank manufacturer finance and the third-party financial company will approve the qualification of the loan applicant, which is usually divided into online approval and offline approval, and the online approval will generally give the loan applicant a **; Offline approval is generally a home visit, and it will only be taken if the loan applicant's qualifications are not very good.

Fourth, pay the down payment. After the loan is approved, you need to pay the down payment to the 4S store, and then the 4S store will issue a receipt for the down payment, and hand over the down payment receipt to the bank finance company to wait for the loan.

5. Loan to pick up the car. The bank and financial company will lend money to the 4S store or the loan applicant, so that the insurance can be picked up on the invoice normally.

If you have the need to borrow, you can also choose to spend money under Du Xiaoman Finance. Youqianhua, formerly known as "Youqianhua", is a credit brand under Du Xiaoman Finance (formerly Finance), which provides users with safe, convenient, unsecured and unsecured credit services.

Du Xiaoman Finance will effectively implement the call of the state to support small and micro enterprises to tide over the difficulties, and its credit service brand has the money to spend to fully support the production and operation of small and micro enterprises. It is reported that seventy percent of the credit users of Du Xiaoman Finance are small and micro business owners. Up to now, Du Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of yuan in loans to small and micro business owners.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

Handed in at the time of car inspection.

In order to increase the sales volume of cars, ** joint financial institutions to initiate, personal loans to buy cars business, the current market financial industry for personal loans to buy cars mainly in the following ways:

Mortgage on a property to buy a car (using the property as collateral). A real estate mortgage loan for a car purchase can generally be borrowed for up to 5 years, and the down payment is more than 3%. The interest rate is mainly determined by a combination of your loan type and your personal qualifications.

Car inspection, I was wondering how do you go to inspect the car?! Look at the car engine model right, the model right? Or are there a couple of exhaust pipes?

Hehe! When you buy the model, the model is finalized, first go to the 4S store to ask the price, see the current car, determine the model, determine the vehicle instrument (navigation), car interior, pay the deposit, and pay the full amount when you pick up the car!

I hand it over at the time of the car inspection.

When inspecting the car, pay attention to whether the chassis number is consistent with the contract.

There is no cosmetic damage to the vehicle.

After inspecting the car and getting the certificate, do not advance.

You can pay at the time of the car inspection.

Negotiate in the 4S store and hand it over.

No, it's when you go to pick up the car.

Generally, in the case of an existing car, the full amount of the search and purchase of the car can only be picked up after the full payment is paid.

If the owner buys the car in full, then the owner can settle the cost at one time when buying the car, and the process of buying a car is relatively small. There is no need to pay the interest associated with the loan. Moreover, car owners are free to choose to buy car insurance.

There will be no restrictions.

The introduction of buying a car in full is as follows:

To pick up the car in full, you need to get the factory certificate of the motor vehicle, which is to go to the vehicle management office.

The registration of the car is an important document required for the registration of the motor vehicle. Three-pack service.

card, when the car is within the specified time or mileage, because of the car failure problem, with the three guarantees of service card can enjoy the manufacturer's free service.

To buy a car with a loan, the down payment is paid first, and the consumer applies for a personal car mortgage loan from the bank, and then after the loan is approved, the consumer goes through the procedures such as car mortgage; Finally, after the bank disburses the loan, the funds are transferred to the four S store, and the full payment is paid, and the car can be picked up.

Make a down payment before you inspect the car.

Process: First, to buy a car, you need to book a car and then go through the loan process, and negotiate specific preferential policies with the sales staff of the 4S store, including car price discounts, gifts or purchase decorations and other expenses, etc., which must be determined and signed a car purchase contract.

2. Submit loan procedure information, the current loan procedure information is roughly divided into two kinds, and the general loan is required: the identity certificate of both husband and wife, driver's license, marriage certificate, real estate certificate, income certificate, and bank statement.

A high proportion of down payment or individual brand car companies to launch a quick loan procedures are relatively simple, generally only need an ID card, at present, if it is a loan from the bank, it will generally be the first kind of information requirements, and most of the car companies will generally use their own financial companies will generally adopt the latter simple model.

3. Waiting for approval, after submitting the loan procedures, the bank, whether it is manufacturer finance or third-party finance, will generally approve the qualification of the loan applicant, and the approval is generally divided into two types: online approval and offline approval.

Offline approval is generally a home visit, where a staff member of a financial company actually goes to the loan applicant's home or work but actually visits to check the specific situation, and this kind of offline home visit is generally only taken when the loan applicant's qualifications are not very good.

Fourth, pay the down payment, after the loan is approved, we need to pay the down payment to the 4S store first, and then the 4S store will issue a down payment receipt, and hand over the down payment receipt to the bank or the financial company last time, waiting for the loan.

Fifth, after the down payment is paid, the bank or financial company will lend to the 4S store or apply for a loan, so that we can normally issue invoices and take care of the car.

The vehicle registration certificate is mortgaged to the bank.

The process of applying for a mortgage car loan:

Choosing a car at a special dealer of the bank and signing a car purchase agreement or contract;

The borrower applies for a personal car mortgage loan from the lending bank;

Sign the contract after the investigation and approval;

Handle car notarization, mortgage and other formalities;

bank loans; After the loan is repaid, the pledge certificate will be cancelled and returned to the customer.

Generally, the down payment for a loan to buy a car is 30%, but the car I am driving now is bought in Shenzhou, and I only paid 15% of the down payment and took the car home.

Originally, buying a car is a good thing, but if you don't pay attention to it and are deceived by all kinds of car traps, sometimes people will encounter the situation that they need to pay a down payment without seeing the car or without inspecting the car. Let's take a look at how to buy a car correctly and prevent a large number of beginners from getting lost.

First of all, I didn't see the problem of whether the car can pay the down payment, the first time I didn't see the car to pay the down payment is not unbridled scientific, and now the car 4S shop is basically all about paying the coarse orange gold first and then ordering the car, and then paying the down payment or applying for a loan to go through the procedures. Regarding whether to inspect the car before making a down payment, it is best to inspect the car before paying the down payment to prevent unnecessary damage.

For how long to pick up the car after paying the down payment in the car 4S shop, generally speaking, it takes 1-2 months for the car 4S shop to order a car, and when to pay the down payment after ordering the car, the key depends on the requirements of each car 4S shop, and the car can be picked up in 2-3 days after the buyer pays the down payment.

4S has to pay a down payment without a car inspection and does not see the car to pay a down payment is slightly different, the following is the main process and common problems of car inspection:

1. Check whether the factory date, certificate, frame number and engine number are consistent, generally speaking, the new car arrives at the store for more than 3 months and is not sold as a stock car, and the vehicle is basically a stock car for more than half a year on the factory date.

2. Appearance inspection, walk around the car body, check whether the paint surface is scratched, and use the mobile phone flashlight to fully reflect the query at key points. Whether the joints of the components are detailed, and whether the gaps between the car doors and the trunk of the car are all normal.

3. Check whether the driving parts are perfect, whether the interior of the car is scratched, whether the seat is loose, etc., and try whether everything is normal for each function key in the car.

4. Automobile chassis inspection, which is also a new item that many new car buyers are easy to ignore the inspection, must check whether the chassis of the new car is corroded, whether the anti-rust treatment scraping layer is scratched, in addition, it can also check the condition of the tires, whether it is the application of retreaded tires, etc.

5. The test run is also very critical, the key noise in the car during the test run, whether there is abnormal noise, whether the suspension system is fluttering when walking on the potholed ground, whether the transmission has a sense of shaking when shifting, etc.

About the hot search list.

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