How to pay for a car with 0 payment, and what fees do you need to pay for a car with zero down payme

The staff takes you to the bank.

The general costs of buying a car with zero down payment are as follows:

1. The insurance cost of the new car; 2. Licensing fee; 3. Purchase tax; 4. Fair mortgage fee; 5. Credit fee; 6. Notarized mortgage; 7. Performance money, etc.;

First, it is necessary to know that the beneficiary of the installment payment for buying a car is a bank or a financial institution, because now many banks have a relatively high threshold for loans to buy a car, and more financial companies, especially those with the same series of financial companies as the car manufacturer, have begun to handle convenient loan procedures for customers. (For example, Shanghai GM's finance company has a GMAC loan).

Second, the second is the condition requirements for car buyers: generally have normal salary income, preferably provident fund, real estate (with property rights) or married. Of course, if you have other written documents that can prove your ability to repay the loan, you can do so.

3. The main expenses incurred by a car loan with zero down payment are:

1. Loan interest. This is a fee that will be charged on all car loans. However, it should be noted that because it is a car loan with zero down payment, it is possible that the interest rate of the loan will be higher than that of a general car loan;

2. Notarial mortgage fee. For a zero down payment car loan, the car has been mortgaged to the lender until the loan is paid off, so when applying for a car loan, it is necessary to go through the car notarization procedures and mortgage procedures, and these fees are generally required by the applicant;

3. Credit investigation fee. When applying for a loan at a lending institution, the lending institution will investigate the information submitted by the applicant, which will charge a fee of about 1% of the loan amount;

4. Performance bond. The standard for this fee is generally 3%. However, different loan companies charge different fees.

Fourth, the purchase and use of vehicles in the current market, in addition to the vehicle **, also includes the following expenses: vehicle purchase tax, road maintenance fee, inspection fee (also known as out of the warehouse verification fee), vehicle and vessel use tax, license fee, vehicle driving license fee, insurance premium, etc. Among them, road maintenance fees are mandatory expenses, and commercial insurance is an optional cost.

You can pay some handling fees in the early stage, as well as licensing and insurance consultation.

Large-scale car purchases** detectives buy many car models with low down payments.

If you buy a car with zero down payment, you also need to pay service fees, handling fees and other fees when you go to pick up the car. Buying a car with zero down payment means that you don't need to pay a down payment, but you need to pay the fee in installments to repay the car loan, but you need to pay the purchase tax, insurance premium and handling fee of the car in the early stage of buying a car; The conditions for buying a car with zero down payment are also different for different groups of people, which are divided into office workers, business families and unemployed people with zero down payment car purchase conditions.

Office workers need to buy a car with zero down payment:

Bring the original ID card, proof of work income, half a year's salary, proof of good credit history and proof of relevant assets;

The enterprise family should carry the ID card, business license for half a year, the company's account for half a year, credit history and relevant asset certificates; Unemployed people need to have sufficient collateral, credit history and proof of relevant assets.

For example, if the price of the car is 100,000 yuan, the insurance in the store will cost about 6,000 yuan, the purchase tax is 8,547 yuan and the license fee is calculated at 350, consumers probably need to prepare 14,897 yuan as the down payment, and the zero down payment is also to pay the vehicle purchase tax, insurance and license plate first.

Therefore, plus the three-year installment interest, handling fee and GPS fee that must be installed, it will cost about 31,600 yuan more than the full purchase of the car, of course, the charging standard of each 4S store is different.

Zero down payment is very pitiful, you still go to the store in advance to ask about the various cost items, all kinds of handling fees down, will not be less than 10% of the car.

There are also many platforms that can pay in installments, but I think that compared with Shenzhou Buy and Buy a car, there are more payment plans, and you can choose flexibly, so the pressure will be less.

Zero down payment is generally rented**, it is recommended to find a personal household, they can basically do a down payment of 10% now.

For example, if you buy a car with a price of 100,000 yuan in the store and pay about 6,000 yuan for insurance in the store, the purchase tax is 8,547 yuan and the license fee is calculated at 350, consumers probably need to prepare 14,897 yuan as a down payment, and the zero down payment is also to pay the vehicle purchase tax first.

The cost of insurance and licensing.

Therefore, plus the three-year installment interest, handling fee and GPS fee that must be installed, it costs about 31,600 yuan more than the full purchase of a car, of course, every 4S store.

The fees are different.

A down payment is a specific discount offered by a car company to attract consumers, and it is generally for a specific car model, so not all cars can be driven home without paying a fee. The specific fee algorithm is shown below:

The down payment is easy to explain, the car is paid in installments, and the down payment does not have to be paid, but you still have to pay other expenses;

The interest rate refers to the interest that needs to be repaid every month, although the interest is gone, but there is a handling fee first, which is actually a change of soup and not a change of medicine;

Monthly payment, generally refers to the first year, you don't have to pay back every month, don't think that you never have to pay, there is no such good thing, generally from the second year to repay the loan.

0 down payment 0 interest car purchase costs are as follows:

1. Interest fee.

Although there is no down payment, there is an interest charge. The rules of interest fees vary from lender to lender;

2. Handling fee.

The handling fee is also repaid in a lump sum or in installments at a later date. Usually, the processing fee is calculated as a percentage of the amount of the loan. The details are subject to the regulations of the local lending institution.

3. Management fee.

This fee varies from lender to lender. There are also lenders that do not have this fee.

4. Other expenses.

Other fees will depend on the rules of the institution you are borrowing from.

0 down payment is generally the entire amount counted as a loan, right?

In this way, the total amount of the loan will be higher, and the corresponding interest will be higher.

There are also costs associated with applying for a loan.

Dear, good afternoon, I'm glad to be able to answer for you, zero down payment way to buy a car with a car price of 100,000 yuan as an example, the store insurance costs about 6,000 or so, the purchase tax is 8,547 yuan and the license fee is calculated according to 350, consumers probably need to prepare 14,897 yuan as a down payment, zero down payment is also to pay the vehicle purchase tax, insurance and license plate costs. I hope my answer is helpful to you, thank you!

Generally speaking, the down payment for a loan to buy a car is 30%. If you encounter an event, some models can have zero down payment or two percent down payment.

At present, the traditional mortgage car purchase business of banks is shrinking, and it has been replaced by credit card installment payments and auto finance company loans. Which of these three models of financing is more cost-effective for consumers? In fact, it is difficult to determine which car and which loan method is suitable for customers, customers need to choose their own models and then discuss with the 4S store, because the models agreed between the car dealer and the bank are not necessarily all models, and the hot-selling models may not have loans, and some models may be 4S stores for customers to discount interest.

In addition, loans to buy a car or charge a variety of financial service fees, notary fees, renewal deposits and other fees, consumers should not be in a hurry to give money, but to ask more, more consultation, the contract must be read clearly, ask clearly, ask a few more why, each bill is kept.

There is no need to pay a down payment for a normal car purchase with zero down payment, but you need to pay other expenses, such as taxes, license fees, and fees if you let the 4S store handle it.

Hello, there are many platforms that can provide online loan business, and it is recommended that you choose a regular platform, so that your personal information and property are safe.

Dear, good afternoon, I'm glad to be able to answer for you, zero down payment way to buy a car with a car price of 100,000 yuan as an example, the store insurance costs about 6,000 or so, the purchase tax is 8,547 yuan and the license fee is calculated according to 350, consumers probably need to prepare 14,897 yuan as a down payment, zero down payment is also to pay the vehicle purchase tax, insurance and license plate costs. I hope my answer is helpful to you, thank you!

A natural person who has full capacity for civil conduct and is between the ages of 18 and 60.

2. Have a stable income and strong repayment ability.

3. Have a local household registration, and be able to provide proof of identity and residence.

4. Have a real estate certificate or other proof of financial resources.

Application Process. 1. Customer application. The customer submits an application to the bank, fills in the application form in writing, and submits relevant information at the same time;

2. Sign the contract. After the bank reviews and approves the application materials submitted by the borrower, the two parties sign the loan contract and guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;

3. Loan issuance. After completing all the formalities, the bank will directly transfer the loan to the account of the auto dealer in the form of transfer as agreed in the contract.

4. Repay the loan on time. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract;

5. Loan settlement. There are two types of loan settlement: normal settlement and early settlement.

Normal settlement: settle the loan on the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment repayment);

Early settlement: If the borrower settles the loan in part or in full before the maturity date of the loan, the borrower must apply to the bank in advance according to the loan contract, and the bank will go to the designated accounting counter for repayment after approval.

After the loan is settled, the borrower shall bring back the legal voucher and relevant supporting documents taken by the bank with his valid identity certificate and the loan settlement voucher issued by the bank, and go through the mortgage registration cancellation procedures with the loan settlement voucher to the original mortgage registration department.

Extended Materials. Pay attention to the problem.

1. Hidden costs need to be understood in advance: generally such a situation is easy to appear on the side of secondary dealers, in fact, as long as consumers order a car, ask about the costs included in the total price, whether there are other hidden costs such as: new car inspection fees, warehouse fees, etc., and also pay attention to whether the loan contract is provided by the bank, so as not to cause trouble when picking up the car.

2. Installment car insurance binding: If consumers choose to buy a car in installments with a credit card, the general car dealer will require a designated insurance company to apply for car insurance for a specified period, and consumers should pay attention to whether the car insurance is acceptable.

The process of buying a car with zero down payment in a 4S store.

1) The customer applies to the bank and fills in the corresponding application form, and provides the required materials (such as local household registration booklet, ID card, valid income certificate, etc.) as required.

2) If the approval is passed, the loan contract and contract guarantee will be signed, and the relevant notarization will be handled according to the situation, and the mortgage registration procedures will be completed.

3) The loan will be disbursed with the consent of the bank, and the money will be transferred to the car dealer or the individual's designated account according to the agreed transfer method.

4) The borrower shall repay the loan in accordance with the contract, and for normal settlement or early settlement, the borrower shall hold a valid ID card and the loan settlement certificate issued by the bank, go to the bank to collect the relevant mortgage vouchers and supporting documents, and go to the original mortgage registration department to go through the mortgage registration cancellation procedures.

Of course, there are also regrets about buying a car with zero down payment, the main reason is that there are some traps behind these "zero down payment", and the following three are more common:

1) The car owner must be required to buy insurance in the store, you must know that the insurance cost of these agents will be relatively high, and it must be purchased in the store during the loan period.

2) The owner needs to add decoration, interior, film and other items, the original low cost of the product, to buy the consumer is thousands of yuan, so the profit is quite rich.

3) To apply for zero down payment, you also need to charge handling fees, service fees, etc.

Although there is no relevant provision for zero down payment in the law, it is necessary to require a down payment of at least 20% on the loan, which means that zero down payment is not legal, but the car manufacturer or 4S store can advance the money first, zero down payment is not equal to free, and the money will be retrieved from consumers through sales later.

Is it true that you don't have to pay anything with a zero down payment? In fact, this is not the case, then some people may ask how much money you need to prepare for the purchase of a car with 0 down payment, generally need to pay monthly payment, insurance, purchase tax and other expenses, if you take a vehicle of about 100,000 yuan as an example, the approximate cost of in-store insurance is about 6,000 yuan, the purchase tax is about 8,500 yuan, and the license fee is calculated according to 350 yuan, then you still need to pay about 15,000, if it is an installment loan, you also need to charge GPS equipment installation fees, etc.

Zero down payment water depth danger, pay attention to property safety.

Hello, this is according to the rules of each store. For details, please contact your local 4S store for details.

The general costs to be paid for buying a car with zero down payment are as follows: 1. The insurance cost of the new car; 2. Licensing fee; 3. Purchase tax; 4. Fair mortgage fee; 5. Credit fee; 6. Notarial mortgage fee; 7. Performance fees, etc., some may also require agency fees. With the improvement of financial products and the demand for family cars, many car dealers have also launched zero down payment car purchases, which has reduced a lot of pressure for ordinary families. 1. Purchase tax:

The purchase tax is required to be collected by the state, and there will be some differences between cars with different displacements, and there are also some different preferential policies in recent years; 2. Licensing fee: This fee must also be paid; 3. Insurance premium: The insurance premium generally has compulsory traffic insurance and commercial insurance, and only with insurance can you drive on the road with peace of mind; 4. Fair mortgage fee; 5. Credit fee; 6. Notarial mortgage fee; 7. Performance money, etc.; Maybe according to the financial services that each car dealer does not use, there may be some other small fees, compared to the full purchase of a car, these costs are completely stressful!