How long does it take to pick up a car with a down payment?

Once the down payment is made, you will be able to pick up the car on the same day.

However, compared to buying a car with full payment, it is indeed a bit troublesome to buy a car with a loan. For consumers to buy a car with a ** of 100,000 yuan, if consumers want to take out a loan to buy a car, they must first get the qualification for a loan to buy a car, and they must apply for a car loan to the bank.

At the same time, the consumer is also required to submit an application.

Credit questionnaire and other relevant information, and then the bank investigates and approves the relevant information, and after the bank approves it, the consumer goes to the relevant 4S store to sign a contract with the bank.

After the bank disburses the loan, the consumer even needs to apply for the proof that the bank's bank card has been posted to the 4S store. It can be seen that many consumers who are afraid of trouble and want to save trouble will choose to buy a car in full.

One of the most obvious advantages of taking out a loan to buy a car is that even if the funds are limited, you can still buy a car that you like, especially if consumers can choose a higher-grade model with limited funds according to their own economic conditions.

Not only that, but taking out a loan to buy a car is indeed a very good choice for families who are more eager to use a car. If consumers invest 100,000 yuan in a new car, ignoring the depreciation of the new car, the original purchase price of 100,000 yuan has depreciated to 10,000 yuan two years later (calculated based on an 8% increase in CPI in one year).

However, if it is a loan to buy a car, this part of the loss will be borne by the bank, although the bank will charge a certain amount of interest, but it is still worth using the money worth 10,000 yuan in the future to buy something worth 100,000 yuan today.

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If you take out a loan to buy a car, you can generally pick up the car within a week at most. Now the loan will be released on the same day, and the car can be picked up on the same day. There is also a situation where Midorimoto is not in the store.

Some are mortgaged in financial companies and some banks, and they need a lender, and after the loan is approved, they need to be mailed to the 4S store. This may take a little longer.

Mortgage car purchase is generally available after the loan is down, and it generally takes half a month to apply for a mortgage car loan, which will vary from institution to institution.

Detective car purchase support low down payment, transparent service.

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This depends on the car you choose to buy in **? If you are in the store, you may have to wait for a long time, at least more than 15 days, and in the case of Detective Buy, you can get the car in 3 to 5 days.

Detective buys a car, the audit is generally in 1-2 working days, the customer actively prepares the materials, the review is faster, and the materials are complete, the amount will be relatively high, and the down payment will be lower! Generally, it takes 1-2 months to pick up the car.

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Normally, it takes 15 to 20 days for you to lift the car, but if the detective buys a car, it will take you 3-5 days to pick up the new car.

This depends on the car you choose to buy in ** If it is in the store, it will take at least 15 days or more Detective buys a car It can be arranged within three days to pick up the car directly If it is fast, you can mention the new car on the same day.

If you are in the store, if you are in the store, it will take at least half a month, because they will drag you for a long time, and if you buy a car for a detective, you can easily get it within five days from placing an order to picking up the car.

This depends on whether you buy a new car or a used car, generally speaking, three days is fine.

Detectives can pick up the car within three to five days of buying a car, and it is difficult to say in other places, and some places may not allow you to pick up the car for more than a month.

How long does it take to pick up the car with a down payment, and you can usually pick up the car on the same day. The phone is still very fast.

If you have an existing car, you can pick it up on the same day.

It will take more than 1 month to add cards.

Glad to have your question, first of all. How long does it take to pick up a car with a down payment? The first thing to look at is whether you are buying a used car or a new car? As long as the formalities are down, then I can pick up the car.

If there is a car in the 4S store, as long as the loan is down, you can pick up the car, the loan is generally on the 2nd day after your down payment, if there is no current car, some models need 1 month to book a car, if you buy it online, you can pick up the car about 3-15 days after the down payment, go to Tmall, and buy it on Jingdong will be more reliable.

It depends on whether it is in stock.

A new car loan usually requires a 40% down paymentIf the conditions are good enough, 30% can also be applied. Some financial companies can even pick up the car with a 20% down payment. Banks will not let the down payment exceed 50%, after all, banks still rely on interest rates to make money.

At the same time, there is also a common "zero down payment" method, in which the lender is the car dealer's own financial institution or other financial company. The financial institutions of the main engine manufacturers are of course better, but there are still relatively few car manufacturers with such conditions. If you can find a reliable financial company, you can still rely on the 0 down payment, but the interest may be relatively high.

The cost of taking out a loan to buy a car.

It mainly includes the price of the naked car, the purchase tax, the license fee, the insurance deposit (generally a loan for a few years, generally 2000 a year), and the mortgage fee for settlement (the mortgage procedure for the settlement of the vehicle management office does not require money, in fact, the settlement mortgage fee is equivalent to the errand fee, which can be negotiated with the dealer).

If you buy a car for 200,000 yuan, these costs add up to about 20,000 yuan, which is of course included in the total price of the down payment.

It depends on what configuration you buy. The cheapest of this car is 35,000, and the highest is 45,000.

The down payment is generally 30%, which is more than 10,000 points, but the interest and insurance premiums of the loan are paid together with the down payment, as well as various taxes.

It adds up to almost 20,000 yuan to pick up the car.

It is possible to buy a car with a down payment online, and you must choose to go to a personal account.

Dandan--- order-a-p-p is good. , the main down payment, on the individual account, good.

In general, the down payment of 1% when buying a new car online is 1%, that is, the low down payment is 10%, and the down payment method is different depending on the model.

It depends on what type of car you are planning to pay for a down payment on a car.

After the down payment is paid, the creditor goes to the vehicle management office to get a vehicle mortgage to lend the loan, and picks up the car, usually 2-3 days.

Personal Car Loan Term and Interest Rate:

1) According to the customer's credit status and the purpose of the purchased vehicle, the length of the personal car loan is different.

2) Among them, the maximum period of the purchased vehicle is 5 years for rental operation, car rental, and transportation operation, and the maximum period for freight transportation is 3 years. The loan interest rate shall be implemented in accordance with the loan interest rate for the same period stipulated by the People's Bank of China, and it is allowed to rise or fall in accordance with the regulations of the People's Bank of China.

2. Procedures for handling automobile consumer loans:

1) It is to select the car to be purchased from the bank's special dealership, sign a car purchase contract or agreement with the dealer, and then apply for a loan through the dealership.

2) The customer applies for a loan directly to the bank outlet, and after the guarantee procedures are implemented, the customer can choose the dealer to purchase the vehicle he is satisfied with.

Materials Needed:

1. Valid personal identity document.

Including resident ID cards, household registration booklets, military ID cards, passports, Hong Kong, Macao and Taiwan compatriots travel permits, etc. If the borrower is married, the identity of the spouse must be provided.

2. Certificate of household registration or long-term residence.

Proof of personal income and, if necessary, proof of family income or property.

3. Proof of intent to purchase a car issued by the car dealer.

Proof of down payment for the purchase of the car.

4. If the guarantee is made by means other than the mortgage of the purchased vehicle, the relevant materials of the guarantee shall be provided.

5. Including the pledged certificate of rights, the certificate of ownership and appraisal of the mortgaged real estate, the letter of intent guaranteed by the third party, etc.

The car cannot be picked up on the day of the mortgage down payment, because the 4S store still needs to wait for the lending institution to first put the loan into the account, confirm the receipt and then let the consumer pick up the car, and after the consumer prepares the information, apply for a loan business from the lending institution, and the waiting time is basically to see the speed of the loan institution's review.

Due to the high threshold of bank loans, the review is strict, even if it is fast, it takes 1 to 3 working days, and it can be done within a week at most, if you buy in full, it is very likely that you can pick up the car on the same day, but the review of auto finance companies is slightly more relaxed, so the speed of review of loan applications is relatively fast, and the waiting time for consumers is relatively short.

Generally speaking, consumers apply for a mortgage loan in a 4S store, and after the down payment, they still need to wait for the bank to transfer the loan amount to the bank account provided by the car dealer or 4S store, and the staff will pick up the car after the account is verified.

Legal basis] Civil Code of the People's Republic of China

Article 586:The parties may agree that one party shall pay a deposit to the other party as security for the obligatory rights. The deposit contract is concluded when the deposit is actually paid. The amount of the deposit shall be agreed upon by the parties; However, it shall not exceed 20% of the amount of the subject matter of the main contract, and the excess part shall not have the effect of a deposit.

If the actual amount of the deposit is more or less than the agreed amount, it shall be deemed to have changed the agreed amount of the deposit.

After the down payment is paid, the creditor can go to the DMV to get a vehicle mortgage and pick up the car, usually 2-3 days.

The process of taking out a loan to buy a car.

1. If you go to the 4S store to negotiate the price of the car, and then ask for a loan, then the car price will generally be discounted by 5000, but at the same time you need to pay a handling fee of about 5000 (generally 3% of the loan amount, not 3% of the car price). This is important to be aware of.

2. If you are sure that you want to go through the loan process, then you must indicate on the car booking form that it is a loan to buy a car, and you must indicate that if the loan application fails, the deposit will be refunded.

3. The 4S store will apply to the lending bank after your order takes effect and the deposit is credited, and the lending bank will generally verify with you on the second working day and ask you to provide some materials, such as ID card, income certificate, etc. These can be passed on to them in the form of **.

4. Within about 3 working days, the application will be approved, that is, the bank agrees to lend.

5. After receiving the bank's consent to lend, you bring the materials (that is, the ones you sent to the bank) to the loan bank to apply for a savings card, which has two functions, one is that you have to pay money to repay the loan; Second, after the bank lends money, it will first transfer the money into your account and then transfer it to the 4S store immediately.

6. After getting the card, go to their credit department and sign a formal loan contract, in duplicate, and they will give you a letter of consent to lend and other bank materials, which are used when you go to the 4S store to go through the payment procedures.

7. Wait for the car, wait for the car to arrive at the store, the 4S store will notify you that the car is at the store, you can bring your identity certificate, the materials given to you by the bank, go to the 4S store to pay the down payment procedures, and inspect the car at the same time. After the inspection, you can't take the car away, they will give you a copy of the certificate, and you have to check with the nameplate information on the car.

8. The 4S shop will give the bank the information of your car and your down payment, and the bank will lend it within about 3 working days.

9. After the bank lends money, you will receive a message on your mobile phone: how much money is transferred to the bank card you have, and then how much money is transferred out of the bank card you have immediately.

10. After receiving this information, you notify the salesman of the 4S store and ask him to check whether the bank loan has arrived, which is generally within half a day, and the fastest is to arrive immediately.

11. After receiving the loan, the 4S store will notify you to pick up the car, and you can generally go to the 4S store to pick up your car on the 2nd day.

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In general, the down payment of 1% when buying a new car online is 10%, that is, the low down payment is 10%, the model is different, the down payment method is different, and it is okay to buy a car with a down payment on the Internet, and you need to choose a personal account.

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Taking a new Sail with a down payment of 10,000 yuan and a loan of 3 years as an example, if the repayment method of equal principal and interest is adopted, the average monthly repayment amount is about 1,300 yuan.

Generally, the down payment ratio in 4S stores is about 30%, and then plus purchase tax, insurance, license fee or something, about 45% of the car price, but there are generally some cars that support manufacturer finance, which may support a lower down payment ratio, but generally have to charge a loan service fee.

Due to the different styles and configurations of the vehicles purchased, the time from buying the car to picking up the car is not a specific value, for some of the best-selling models, it may take a month to pick up the car, if some unpopular cars, the pick-up time will be shortened, and the car may be picked up within a few days.