What is the process of buying a car in installments?

If you don't have a credit card, you can use a mortgage to install, but the fee is higher.

The following is an introduction to the installment of Minsheng Bank credit card:

"Car Purchase Pass" Car Installment Payment Details:

The total installment amount of the "Car Buy" service ranges from CNY 40,000 to CNY 150,000 for FAW-Volkswagen, CNY 40,000 to CNY 150,000 for Beijing Hyundai, CNY 20,000 to CNY 150,000 for Changan Car, CNY 20,000 to CNY 100,000 for Changan Suzuki, and CNY 40,000 to CNY 250,000 for Volkswagen. Cardholders can choose the total installment amount within the installment limit of their car.

The cardholder's car installment limit is determined by the cardholder's credit card usage and credit status.

The minimum down payment ratio for car purchase is 20% of the purchase of the car** (the minimum down payment requirements vary for different partner brand models), and the down payment must be paid by a credit card other than the one's own livelihood.

The "Car Buy" service provides 12 installments (monthly) and 36 (monthly) instalments. The total amount of the handling fee = the total amount of the installment The handling fee rate, the handling fee will be credited to the first bill after the installment purchase.

If the total instalment amount is not divisible by the instalment amount, our system will automatically round and split the repayment amount of each instalment, and the total repayment amount will remain the same.

The specific purchase of the vehicle** shall be negotiated directly by the cardholder at the designated dealer store in accordance with the normal car purchase process.

Buying a car, those things you don't know.

1. Select the model you need to buy in the 4S store, and negotiate the car price, handling fee, down payment ratio and loan amount with the clerk.

2. To apply for a loan from an auto finance company, you need to fill in a series of application materials and **.

3. The auto finance company will review the qualifications of the lender, and there may be a return visit during the period.

4. After passing the review, go to the 4S store to sign the loan contract, and you need to pay the agreed down payment on the same day, and purchase car full insurance and car purchase tax at the same time.

5. Take the payment slip and relevant information to the vehicle management office to apply for a license plate, and at the same time go through the mortgage procedures.

6. After the mortgage procedures are successfully completed, you can wait for the financial institution to lend.

The process of buying a car in installments: 1. Go to the 4S store to buy your favorite vehicle, pay the down payment to the 4S store and get the invoice, prepare a copy of your ID card and household registration book, and issue your own income certificate according to the bank's requirements. If the format is not in accordance with the bank's requirements, the certificate will be invalid; 2. Looking for a guarantor, the guarantor should be a civil servant or a person with a relatively high income, and a personal income certificate is also required.

You also need a guarantor for both parties, preferably one with your own relatives and a fixed occupation; 3. Find a reliable guarantee company, bring ** according to the requirements of the guarantee company, and need to pay insurance premiums and insurance renewal deposits, as well as the service fees of the guarantee company, which cost about 2-30,000 yuan, and each guarantee company is also different. The guarantor company will prepare all the agreements for you to apply for a loan from the bank; 4. Bring the agreement to the bank hall to apply for an installment loan and a passbook for a mortgage loan; 5. After the bank's approval is passed, you will be notified to go to the 4S store to pick up the car; After receiving the car, you need to pay the purchase tax at the transportation office, and then it is the registration card. Get an insurance card from the insurance company and celebrate before listing; 6. Go to the bank to show the driving license and take photos of the insurance evidence, and get the release notice; 7. Get the notice and go to the 4S store, show the notice is blind to release the car, and now the car belongs to you.

Article 44 of the Provisions on the Registration of Motor Vehicles If the number plate or driving license of a motor vehicle is lost, lost or damaged, the owner of the motor vehicle shall apply to the vehicle administration office at the place of registration for replacement or replacement. When applying, the owner of the motor vehicle shall fill out the application form and submit proof of identity. The vehicle management office shall review the certificates and vouchers submitted, take back the number plates and driving licenses that have not been lost, lost or damaged, and reissue or reissue the driving license within one day from the date of acceptance, and reissue or reissue the license plate within 15 days from the date of acceptance, and the original motor vehicle license plate number shall remain unchanged.

During the period of reissuance and renewal of license plates, temporary driving license plates with a validity period of no more than 15 days shall be issued.