If you have money to spare for a house, it is better to buy a car or buy a house for investment

You already have a house, now you have money to spare, you want to buy a car, but also want to buy a house investment, then according to your actual situation, if you prefer to enjoy, it is recommended that you buy a car, then buy a car, you have a car, travel is very convenient, if you don't want to buy a car, want to invest then buy another house, to rent.

This is how to take out a loan to buy a car.

Loan consumption is becoming more and more common, what are the procedures for novices to apply for a loan to buy a car? First of all, you need to understand the basic conditions for applying for a personal car loan:

Citizens who are over 18 years old and have full capacity for civil conduct.

Have a legal identity document, have a local permanent residence or a valid residence certificate.

This is the basic condition for applying for a car loan, let's take a look at what procedures are required to buy a car with a loan.

Secondly, the process of applying for a loan to buy a car:

1: The borrower submits the loan application materials to the bank.

2: The bank will conduct a preliminary review of the application materials submitted by the borrower.

3: The bank conducts credit investigation and customer evaluation of the borrower.

3: The bank will examine and approve the loan application that meets the loan conditions through the preliminary examination and credit investigation.

5: After the loan contract takes effect, the handling bank will issue the loan. A special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower who purchased the car.

Finally, you need to know the information you need to buy a car with a loan.

1: Personal Loan Application

2: Valid personal ID card. 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.

3: Certificate of household registration or long-term residence.

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

5: Proof of intent to purchase a car issued by a car dealer.

6: Proof of down payment for a car loan.

7: If the guarantee is made by means other than the mortgage of the purchased vehicle, the relevant materials of the guarantee shall be provided, including the pledged right certificate, the certificate of ownership and appraisal of the mortgaged real estate, and the letter of intent of the third party guarantee.

8: If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the vehicle attached to the transportation fleet, the lease agreement, etc.

9: If the vehicle purchased by the loan is a second-hand car, the certificate of intention to purchase the car and the vehicle appraisal report issued by an appraisal agency recognized by CCB must also be provided; The vehicle seller's vehicle ownership certificate, the motor vehicle registration certificate of the vehicle traded, the vehicle annual inspection certificate, etc.

The more common the loan consumption method, the more careful it is for novices to apply for a loan to buy a car, and carefully watch the filling of procedures. So as not to cause unnecessary trouble after the latter loan during the loan process.

Investment Introduction. There is an almost eternal saying in the real estate industry: the first is the location, the second is the location, and the third is the location.

As a combination of real estate, the construction cost of the house part is relatively fixed in a certain period of time, so it generally does not cause large fluctuations in real estate; As a non-renewable resource, the land is rising, and the rise of real estate is mostly due to the rise in land prices. In a city, good locations are very limited, so there is more potential for appreciation. Therefore, investing in a property in a good location, although the purchase may be relatively high, it will also be able to obtain considerable returns because it has a stronger appreciation potential than elsewhere.

A total of 5 sheets. Real estate investment.

Invest in off-plan properties. Off-plan properties generally refer to properties that have not yet been completed and accepted, and are also referred to as off-plan properties in Hong Kong"Off-the-plan"。Because the developer's first-class off-plan housing can be used as a means of financing to recover cash in advance, which is conducive to capital flow and reduces risks, it is often given a more favorable discount when formulating **.

Generally, the discount range is 10%, and some reach 20% or even more. At the same time, investing in off-plan housing may be the first to buy a house with better orientation, floor, etc. However, the investment risk of off-plan housing is high, and investors need to have a correct judgment on the strength of the developer and the prospects of the real estate.

Invest in a tail house. The tail house refers to the house that is not very ideal along the remaining few floors, orientations, and house types from the sale of the real estate to the closing price range. In order not to affect its next step of development, the developer will generally deal with these tail houses at a lower than usual rate, so as to raise funds as soon as possible and revitalize assets more effectively.

Investing in the tail house is a bit like investing in junk stocks in the market, where investors sell it at a lower than usual price to earn the difference. The tail house is more suitable for investors with strong bargaining power.

It depends on your own needs, if the nature of the work needs to take the bus back and forth, or buy a car to travel, you can save time, and it is conducive to work, if you don't need a car close to home to invest in buying a house, in fact, the house is good to live in, if hoarding a house is not conducive to people's livelihood.

Answer: Since you want to invest, then don't think about buying a car anymore, wait for the investment income, and then buy a car, there will be spare money to continue to invest, earn money to buy a car, why not.

If you use more cars, you can consider buying a car, if you use fewer cars, it is recommended not to rush to invest, and then act after learning financial knowledge systematically, there will be unexpected results.

Look at which city to buy, if it is better to invest in a house in a first-tier city, if it is better to buy a car in a third- or fourth-tier city.

If you really need a car, then buy a car, if you don't need a car at all, why buy a car?

Buying a house and a car is a common demand for life of Chinese after China's social change. Some people believe that the house can bring a sense of security to life, and the car is to improve the sense of quality of life. These ideas are in line with our mass psyche.

Everyone's concept and standard of "poverty" is different, so don't talk too much about economic issues. Let's take a look at the house first. Although many young people have changed their minds, the house has always been a symbol of home in the hearts of Chinese.

A rented house is not called a home, your own house is a home. After buying a house, the major events in life have been completed, the heart is steady, and the wandering heart has a home. You can decorate your own house in your own style and do whatever you want.

Snuggle up on the couch and don't worry about people knocking on the door. A boy can tell his beloved girl to give her a stable home and a fixed bed; Girls buying their own houses is a sign of independence and pride.

Compared with buying a house, buying a car is less stressful. And I would suggest that if you are hesitating between buying a house and buying a car, buy a car first. A car can make a big difference in your life.

You don't have to crowd the subway in the morning, you don't have to wait anxiously for the train at night, wear high heels and skirts, and change your patterns; Leather shoes don't have to be stepped on, and shirts don't get oiled by other people's breakfasts. Things that are not easy to achieve on public transport can be solved by car. At this time, you will find that your quality of life has risen to a higher level.

On weekends, friends between the ages of 35 and 35 travel to the suburbs, and the places they want to go will be fine on a road trip, so they don't have to take a long-distance bus or grab a ticket during the holidays.

Have you ever experienced the embarrassment of being sent home by someone else? You don't want to bother, your mind hesitates, imagines repeatedly, and then you have to repay someone. Although a car is not as permanent as a house, it carries a lot of dreams and is more like a friend who will always be by your side.

Millions of car purchase subsidies.

Ordinary families, buy a house first, only guess the value of the house hidden friends, the car is a consumable, can afford it, not necessarily can afford it, as well as depreciation, stove mountain acacia and various expenses.

Ordinary families, buy a house first, the house preserves its value, the car is a consumable, you can afford it, you may not be able to afford it, there is depreciation, and various expenses.

According to individual circumstances.

Conditions for buying a house: 1. The buyer must have a legal and valid ID card and household registration book;

2. For non-local household registration, a family unit can purchase a house in Guangzhou, and must provide social security or tax bills for three consecutive years (36 months) within five years;

3. Whether it is a new house or a second-hand house, buyers with foreign household registration can only buy one set;

4. The buyer must have a down payment of 30% of the total purchase price;

5. The family members of the buyer must have no record of buying a house in other places;

6. If the buyer has bought a house in other places before, he or she needs to pay 70% of the down payment in accordance with the provisions of the second suite, but if the loan for the first house has been settled, it can still be executed in accordance with the provisions of the first suite;

7. Buyers must have good credit, stable income, and a certain ability to repay;

8. Other conditions stipulated by relevant departments.

Buying a house at least retains its value, and it depreciates immediately after buying a car.