Is there any routine for buying a car with a low down payment?

In fact, just buy it in regular channels, and it is normal to have a low down payment, and even have a zero down payment, which is just a high point of car loans.

Buying a car with a low down payment will normally be relatively high, if this is not acceptable, do not choose a low down payment.

Zero down payment car purchase routine is deep! Look at these cars are all ** road, don't be fooled again.

Eight advantages of online car purchase: you can buy and compare models, you can find a lot of model information on the Internet, you don't have to go to the 4S store to deal with the sales staff, save time and convenience, you can buy at any time, there are many models to choose from, ** cheaper than the 4S store, arrange a door-to-door test drive anytime and anywhere.

The routine is a "dead car". Selling low-end cars as high-end cars and stocked cars as new cars are all common methods in buying cars with zero down payment. For example, a 300,000 yuan car, after simple processing by the dealer and some configurations, the price is increased to 390,000 yuan.

According to the normal 30% down payment, consumers who buy the original car need to pay 90,000 yuan.

However, after choosing zero down payment, consumers seem to enjoy zero down payment, but they buy a model that is 90,000 yuan more expensive than the original car, which is equivalent to deducting 30% of the down payment, and the loan amount is exactly 300,000 yuan, which is equivalent to the real ** of the original car.

Car loans are clearly stated:

Many of the seemingly seemingly able means of achieving zero down payment are not only illegal in reality, but can also significantly increase consumer spending. Starting in 2008, car loans were tightened again. The state has issued a clear regulation that the minimum down payment for a car is 15% to 20%.

Among them, the maximum issuance ratio of loans for self-use traditional power vehicles is 80%, and the maximum issuance ratio of loans for self-use new energy vehicles is 85%.

The above content referencePeople's Daily Online - "Zero down payment" car purchase is very pitiful, experts remind.

Routine one, the loan needs to be sold in conjunction with the insurance, and the insurance for the first two years must be purchased in the 4S store.

The insurance of the new car can not be discounted, more than three years of the car has not been insured, the insurance can enjoy a relatively low discount, 100,000 cars can save thousands of dollars. However, as long as the individual needs a loan to buy a car, the insurance is bundled and sold, and the first year's premium is paid in full, and part of the second year's premium is collected at the same time to ensure that the individual's second-year insurance must be purchased here.

Routine two, three-year 0 interest loans are all based on high loan service fees.

Many businesses lure you to buy a car with interest-free loans, and if you don't look carefully at their loans and calculate repayments, you won't know how much interest and handling fees the other party charges, which are said not to be discounted. Even if there is no interest, it will turn into a hefty loan service fee.

Routine three, the routine of low down payment is to borrow more.

Some customers do not have a small down payment, and the other party can also help solve it, at this time, it is to take out more loans to reduce the down payment. For example, if an individual takes a fancy to a car of 100,000 yuan, the other party can take out a loan to bring 130,000 yuan, so that the down payment will be reduced. But when the individual calculates the account, the individual will find that in three years, the individual spent 150,000 or 60,000 yuan to buy this 100,000 car, or even more.

Conditions required to buy a car with zero down payment: a natural person with full civil capacity and between the ages of 18 and 60; Stable income and strong repayment ability; Have a local hukou and be able to provide proof of identity and residence; Have proof of property or other financial resources.

Application materials: ID cards and household registration booklets of both husband and wife; Proof of valid income of both husband and wife; Marriage certificate of both husband and wife, divorce certificate in case of divorce, and single certificate issued by the civil affairs bureau of the place where household registration is located if unmarried; The original real estate certificate is required to purchase the house in full, and the purchase contract, loan contract, house purchase invoice, mortgage repayment details, repayment plan and balance certificate are required to provide the purchase contract, loan contract, house purchase invoice, mortgage repayment details, repayment plan and balance certificate.

Business features: It can realize the dream of car buyers, relieve the pressure of car buyers, a variety of models for you to choose, and the activity discount period makes the loan more affordable.

Buying a car with zero down payment is a new way to buy a car, which refers to the car loan launched by banks, auto finance companies and other institutions within a certain period of activity without a down payment for a specific model, which has the characteristics of high loan amount and no down payment.

The above content reference: Xicai.com - Is it true to buy a car with zero down payment? Beware of new routines in 2019!

Hello, regular loan platforms usually do not charge pre-loan fees for any reason, you must be vigilant when encountered, and you can choose to call the police if necessary. If you need money urgently, you can consider taking out a loan to relieve the pressure, but at the same time, you should also do what you can and try to make money. Now there are many ways to apply for a loan, you can apply for a bank loan through a mortgage, and a more convenient way is to apply for a personal credit loan.

There are no routines, it's generally just some marketing means.

Detective buys a car with a low down payment and places an order with one click.

Detective buys a car, 0-1 into a down payment ratio, and multiple models.

30. Play your role well and do what you have to do.

31. If you don't dare to give it a go for fear of failure, you will never succeed.

32. A person who can see things from other people's ideas and understand the activities of other people's minds will never have to worry about his own future.

33. The first step to success is: you must dare to be different from others.

34. People always cherish what they have not obtained and forget what they have.

35. When a person starts with his own'When the heart began to struggle, he was a valuable person.

It is quite appropriate to buy a car with a low down payment, you can go and see for yourself, the general down payment is 30 percent, and the detective buys a car with a low down payment of his own household.

Pay attention to the DK interest rate and property ownership, but also pay attention to the condition of the car. If the interest rate is high, it will be stressful to repay the loan at that time.

Detective buys more than 1,000 car models and supports local pick-up in more than 300 cities across the country.

Why is zero down payment for buying a car the biggest trick? Take a look at the pitfalls you didn't know about.

Now a lot of friends who want to have their own car are doing it, which is very suitable for friends with insufficient budget, but it is also necessary to choose carefully, it is best to be able to go to their own household, which is more reliable, and the detective can do this by buying a car, which is not bad.

Don't give up flying when you can fly; Don't give up dreaming when you can dream; Don't give up on love when you can love.

0 Down Payment Buying a Car requires the following three conditions.

1. The borrower shall be at least 18 years old and have a permanent residence in the city. In order to confirm that the lender has a certain ability to repay, the lender needs to have a stable job.

2. A certain guarantee, a pledge approved by the bank or a third-party guarantee should also be provided. Usually a third party is a person or unit that has the ability to repay. If the lender fails to repay the loan, the third party shall be jointly and severally liable for the repayment of the loan.

3. If a husband and wife or family members buy a car, the family members must be present at the same time. If they are not present, they will need to submit a signed and stamped power of attorney.

Buying a car with zero down payment is a new way to buy a car, which refers to the car loan launched by banks, auto finance companies and other institutions within a certain period of activity without a down payment for a specific vehicle model, with the characteristics of high loan amount and no down payment. Zero down payment reduces the pressure on consumers to buy a car, and car buyers can enjoy driving pleasure in advance.

0 down payment does not mean that you can get the car without paying at all, in addition to paying the monthly payment, you also need to pay insurance, purchase tax and other expenses at the beginning. For example, taking a vehicle of about 100,000 yuan as an example, the approximate cost of buying insurance in the store is about 6,000 yuan, the purchase tax is about 8,500 yuan, plus the license fee of 350 yuan, and at least about 15,000 yuan need to be prepared.

There are three common routines pitfalls:

1. The owner is required to purchase insurance in the store, and the insurance cost purchased in the store is more expensive than that outside;

2. If you can't get free gifts such as steering wheel covers, seat cushions, reversing radars, sunshade films, etc., the owner needs to buy them in our store;

3. There is also a handling fee or other handling fees for zero down payment.