How to buy a car with a mortgage? How much is the down payment for a car of about 100,000 yuan? How

In the process of buying a car with a mortgage, the bank requires the customer to prepare relevant personal information in accordance with relevant regulations. Including: marriage certificate, ID card, house ownership certificate, income certificate, residence certificate (or temporary residence permit, etc.), driver's license and other six major documents, if you are an employee of a state-owned enterprise, you also need to prepare a copy of the work permit, if you are a private household, but also to submit a copy of the tax registration certificate, business license, and other relevant documents.

and a guarantor with a city hukou.

There are two ways to apply for a mortgage to buy a car, one is a personal credit mortgage to buy a car (generally requires you to have a very good credit, no collateral and no guarantee, stable work income, and no bad habits), this form of car purchase can generally be loaned for 5 years. The other is to buy a car with a mortgage on the property (using the title deed as collateral). A mortgage loan for a car purchase can generally be borrowed for up to 5 years.

The down payment for both types of mortgages to buy a car is more than 3%. The interest rate is mainly determined by a combination of your loan type and your personal qualifications.

For a car of about 100,000 yuan, the down payment is about three layers of the general down payment invoice, plus purchase tax and insurance. Approximately: around 40,006 in total.

The car loan is bound to the bank card for direct repayment, and the calculation method of the car loan is: 1. The equal principal. That is, the same principal is repaid every month, if the total amount of the loan is a and the repayment period is n months, then the monthly repayment of the loan principal is a n.

In addition to the principal, the current interest must be repaid every month. Interest for the current month = Remaining loan principal * Loan interest rate 12With the equal principal repayment method, the car buyer has more pressure to repay the loan in the early stage, and the monthly repayment amount decreases month by month.

2. Equal principal and interest. That is, the total amount of principal + interest repaid each month is the same. The advantage of this type of repayment is that it is easy to remember the payment amount because the monthly payment amount is the same.

In the equal principal and interest repayment method, interest accounts for a relatively large proportion of the previous repayment. The total interest will be higher than the equal principal repayment method. 3. One-time repayment of principal and monthly interest payment.

That is, the car buyer only needs to pay the same amount of interest every month, and the loan will be repaid in full at the end of the loan.

Banks apply for car loans (including personal consumption loans, special car purchase loans, and credit card installment loans).

Loans to banks include direct customer loans, that is, individuals take the initiative to apply for loans from banks, which are personal consumption loans; The other is the inter-customer type, that is, the car buyer chooses to apply for a loan with a bank that cooperates with the 4S store, and can generally apply for a special car purchase loan or a credit card installment loan. The above three types of loans have the following common features:

Interest Rate: The interest rate on bank car loans fluctuates from the central bank's benchmark interest rate for personal loans (usually ranging from -10% to 30%). For example, for high-quality customers, the Bank of China can reduce the car purchase loan by 10%; ICBC will raise the benchmark loan interest rate for the same period by 10% according to the central bank.

Loan amount: For new cars, the maximum loan amount is generally not more than 80% of the car price.

Guarantee method: The bank has strict requirements for the borrower's income, collateral and other asset certificates, and the guarantee procedures are cumbersome.

Repayment method: Equal principal and equal principal and interest. The maximum loan is 5 years, and the maximum credit card installment is generally not more than 2 years.

Generally, it is a 30% down payment, and then it depends on how many years you have to pay it back. There is also a dependence on whether the car you buy has an interest-free loan, such as one or two years without interest, then the pressure will be less.

My Pentium B50 is more than 60,000 points on the road, three years, and two thousand per month.

If you buy a car of about 100,000 yuan, the down payment is about 40,000 yuan, and the 30% payment is 30,000 yuan, plus the insurance purchase tax, about 40,000 yuan. Of course, you can also pay more down payment, so that you will save a lot of effort in the repayment process.

Maintaining a car is not a small amount, and the loan, for people who do not have so much money on hand, is indeed feasible, but the cost of spending more is also a lot, so everyone chooses a car, what kind of way to buy a car, is not a small knowledge.

An introductory car loan is a loan issued by a lender to a borrower who applies to purchase a car. Auto consumer loan is a new type of loan guaranteed by banks to car buyers who purchase cars at their authorized dealers.

The interest rate of automobile consumer loan refers to the ratio of the loan amount and the principal amount issued by the bank to the consumer, that is, the borrower, for the purchase of a car for self-use (a family car or a commercial vehicle with less than 7 seats (inclusive) for non-profit purposes). The higher the interest rate, the greater the amount of repayment the consumer will have.

Under normal circumstances, if the car is worth 100,000 yuan, the borrower can choose a minimum of 20% down payment. However, most financial institutions offer a down payment of 305, and in addition, you can also choose 40%-60%. For a car of 100,000 yuan, if it is a 30% down payment, it is 30,000 yuan.

Borrowers apply for loans too often or frequently carry out loan operations, which will increase personal credit risk. The higher the risk score, the more likely it is that the application will be rejected.

For a car of about 100,000 yuan, the maximum down payment is probably about 30%. In other words, you have to prepare 30,000 yuan for the car, but you really have to go on the road, counting insurance, purchase tax, handling fees, security deposits, and installing additional boutique GPS or VPS. Counting the cards, it will be more than 50,000 to really go on the road.

Conditions for auto loans: 1. Natural persons with full capacity for civil conduct; 2. Have a valid residence identity certificate and a fixed address; 3. Have a stable and legal income**, and have the ability to repay the principal and interest of the loan in full on time; 4. Be able to pay the required down payment; 5. The borrower must be the ultimate owner of the vehicle, and the purchased vehicle must not have a partner purchaser; 6. Handle the prescribed insurance and mortgage registration procedures.

To buy a car of about 100,000 yuan in installments, you generally need a down payment of about 30,000 yuan, and under normal circumstances, you can buy a car at Detective to achieve a 10% down payment.

My love opens for you, like white lightning piercing the sky.

Forbid your whimsical, my heart is so Chinese New Year's Eve, filled with you.

The person I love is very handsome, sunny and charming, and most importantly, he loves me too.

If you are ugly, I may be able to take you shopping, watch a movie, eat a Western meal, take a walk, watch the stars, watch the moon, talk about the philosophy of life from poetry and songs, but you are so good-looking, I just want to fall in love with you.

To buy a car for about 100,000 yuan, you need to pay about 30% of the down payment, which is about 30,000 yuan.

The cost varies depending on the vehicle type.

Take Wan's Lavida as an example.

If you go according to the down payment of 30%, the down payment should be about 30,000.

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

What is the approximate down payment? The conditions are simple, you have paid social security for one year, household registration book, ID card, personal one-inch photo, and income certificate. The first will be thirty percent, go to the 4S store, they will help you do the drag; However, it is not recommended to installment of 50,000 or 60,000 cars, guarantee fees, and what GPS and other messy costs add up to more than 10,000 yuan, which is not cost-effective, you should think about it!

Normally, it's okay to achieve it, and it's okay for detectives to buy a car for 10 percent.

The detective buys a car of about 100,000 yuan, and he can take it away for about 10,000 yuan, and the price of the car is more appropriate. The most important thing is that you can go to a private account.

Positive people see an opportunity in every sorrow, while negative people see some kind of sorrow in every opportunity. Don't make excuses to fail, just find reasons to succeed.

There are many models of cars to pick up when the detective buys a car.

100,000 naked car, down payment of 30%, 10,000, after which the loan is 10,000. The maximum repayment period is five years, which is generally three years. 36 instalments for 3 years, each instalment is one month, and the monthly repayment is yuan.

The interest rate is different from year to year without the interest calculation, and the interest rate issued by the central bank is calculated year by year.

In addition, the interest charging standards of many banks are different, depending on the specific interest settlement method given by the lending bank. The monthly fixed repayment is the total loan amount paid in installments + the total amount of interest payments.

The introduction of buying a car with a loan is as follows:

Down payment purchase tax insurance premium + handling fee license fee 30,000 + 8,547 + 5,332 + 3,000 + 130 = 47,009 yuan, such a 100,000 car down payment of 30%, mortgage on the road ** is 47,009 yuan, loan is 70,000, three-year monthly payment is 2,106 yuan.

Of course, there is another situation when buying a car with a loan, that is, when buying a car in a 4S store, in addition to some of the above-mentioned handling fees, interest, purchase tax, insurance, license plate and other expenses, it is very likely that there will be some additional charges. Robbery insurance and spontaneous combustion insurance are required to buy a car with a loan.

The "spend the future first" method of spending in installments has spread to the purchase of a car, and everyone is very receptive to this method. However, some people may not know how to take out an installment loan, so let's take a closer look.

There is usually 20%-80% of the down payment ratio for a car with zero down payment interest for 100,000 yuan, and it is generally not less than 20%. There are also various options for staging, such as 12 installments, 18 installments, 24 installments, 36 installments, etc. However, it depends on what down payment ratio and number of installments are available in the financial plan of the 4S store.

The down payment of 20% is actually not the lowest, and now there will be zero down payment or one percent down payment, so be more careful in the face of this low down payment, there may be some routines in it, and it is best not to get involved easily.

How much is the monthly payment for a 100,000 car loan for 3 yearsWhen negotiating**, the sales will give a package landing price, in addition to an additional fee, some are called interest and some are called handling fees. Down payment = (package price + interest) down payment ratio, monthly payment is (package price + interest - down payment) number of installments. Specifically, if the landing price of a car package is 100,000 yuan, and the interest of the installment is 2% (i.e. 2000), dealers in Guangzhou provide a number of financial solutions, and some programs can enjoy interest reduction

The down payment of 20% is divided into 36 installments totaling 102,000: down payment of 10,000 and monthly payment of 2,267; 30% down payment in 36 installments totaling 102,000: down payment of 10,000, monthly payment 1983; 50% down payment in 36 installments totaling 102,000:

Down payment of 10,000 yuan, monthly payment of 1417; 80% down payment in 36 installments totaling 102,000: down payment of 10,000, monthly payment of 567. There is no doubt that the lower the interest rate, the more cost-effective the plan, and generally the higher the down payment, the lower the interest, but the high down payment may not be affordable for some consumers.

The conditions for buying a car in installments are very simple, ensure that you have a stable income (two years or more of social security), no credit problems, and then prepare your ID card and loan bank, you can handle the loan business. Reminder: Reply to [Car Loan] on WeChat***【】, you can get the car loan application process, processing conditions, solutions to car loan approval failure, car loan calculation, etc.; Check the process, procedures, conditions, optional periods, interest standards, etc. Learn about the process of buying a car with a mortgage, interest calculation, down payment ratio, mortgage car resale method, etc.

Detective buys a car and picks up the car quickly, and the license plate is fast: provide one-stop car purchase service.

When the wind blows, my blessings turn into rain to nourish you; When the peach blossoms are in full bloom, the petals of my wish fly to you; At this time when all things are recovering, I wish you a happy day with a spring heart!

Normally, it takes more than 30 percent, and there are more requirements, more conditions, and more complicated things to do.

When the rain falls, I put my heart in the poem, with a light pen and ink, writing and whispering with you, watching, is the end of the world close to the thought, acquaintance, is the affection of a river of spring water, the story about the flowers, scattered all over the fragrant fragrance, I don't want to pick it up, let it along with the thoughts, drift down to the time with you.

Normally, it is more than 30 percent, that is, more than 30,000 percent, and 10 percent of the detectives can pick up a new car if they buy a car.

I respect you for being so serious all over your body, and you are still desperate for the mountains and rivers;

I salute you, thousands of heartbreaks, deep hidden, deep hidden, deep kisses, dark clouds rolling and still taking office;

I respect you for being so sincere in tears, and still in a measured sense of life and death;

100,000 naked car, down payment of 30%, 10,000, after which the loan is 10,000.

Choose a detective to buy a car, with a down payment and reliable.

The sun is just right, the breeze is not dry, and you are smiling, I really want to accompany you to old age like this! In this world, who is not scorched, bruised all over his body, and has to face the waves of life with a smile! Hello March! Good morning!

Hello, nowadays life needs, car loans are very common. The way to buy a car with a loan can be much more discounted, which is mainly reflected in the loan interest. The lower the interest, the less fees you pay and the more money you save.

Loan object: The borrower must be a permanent resident of the place where the lending bank is located and have full capacity for civil conduct.

Loan conditions: The borrower has a stable occupation and the ability to repay the principal and interest of the loan, and has good credit; A third party who can provide recognizable assets as collateral or pledge, or a third party with sufficient solvency can act as a guarantor to repay the principal and interest of the loan and bear joint and several liability.

Loan amount: The maximum loan amount is generally not more than 80% of the purchase price of the car.

Loan term: The term of auto consumer loans is generally 1-3 years, and the longest is not more than 5 years.

Loan interest rate: Uniformly set by the People's Bank of China.

Loan repayment method: You can choose the one-time principal and interest repayment method and the installment repayment method (equal principal and interest, equal principal).

The above is the relevant knowledge about car loans, if you urgently need money to borrow money to buy a car, it is recommended that you use a big platform. For example, Du Xiaoman Finance's money is spending, with a high loan amount, low interest rate, and fast lending, which does not affect the car buying process. Click on the link to test the quota and get up to 200,000.