-
Anonymous users2024-02-16Hello, 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.
-
Anonymous users2024-02-15The difference between buying a car in full and buying a car in installments.
1. The benefits of buying a car in full.
Buying a car in full is very easy to understand, that is, paying cash to buy a car. The first advantage of buying a car in full is to buy the right car according to your own savings, and you will not buy a car that exceeds your spending power. For example, if you only have 200,000 yuan in cash, you may only buy more than 100,000 yuan of cars, and you have to save a little money for other purposes.
The installment payment may increase your desire to consume, originally planned to buy a car of more than 100,000 yuan, but later it may become a car of 300,000 yuan, because the down payment may only be tens of thousands. This installment payment is actually the same as the psychology of credit card consumption, which is consumed unconsciously.
Another advantage of buying a car in full is that you don't have to pay a variety of handling fees, although the installment payment is called 0 interest, but in fact, there are handling fees, or you will be required to buy insurance in the 4S store, and even install accessories such as the original car navigation, this cost is actually extra, and buying a car in full is equivalent to saving these costs.
2. The benefits of installment payments.
As mentioned earlier, the advantages of buying a car in full, so is it useless to buy a car in installments? The answer is no. Nowadays, many young people buy a mobile phone, laptop, and TV in installments, which is reasonable, so it is understandable to buy a car in installments.
The advantages of installment payment are as follows: First, you can enjoy it in advance. Similarly, if I buy a car for 200,000 yuan, for example, if I already have 100,000 yuan in hand, but it is obviously not possible to buy the car in full, but if you pay in installments, there is no pressure at all, so that you can enjoy the car at least a year or so in advance.
As long as you have sufficient repayment ability, why not pay in installments? Second, you can buy a better car. If you have 100,000 yuan in hand and buy a car in full, you can only buy a domestic car or a compact car of a joint venture car, but for various reasons, you need to buy a more high-end car, in this case, buying a car in installments is a good choice, which is far easier than borrowing money from family and friends.
-
Anonymous users2024-02-14Installments are not cost-effective and too expensive.
-
Anonymous users2024-02-13Each has one;
Cash; Bargain.
Loan; **High.
-
Anonymous users2024-02-12There are many ways to buy a car, is it better to buy a car in installments, or take a mortgage or pay the full amount in a lump sum?
-
Anonymous users2024-02-11There are such good benefits in Yue Bao, it is recommended that you pay in installments.
-
Anonymous users2024-02-10It's okay to pay in installments, this one is interest-free!
First of all, this text message cannot be ruled out as a routine reminder text message from a debt outsourcing company. But it is definitely not a text message notification from the state public security organs. This can be distinguished by the number. >>>More
If you are married, you need a marriage certificate, and if you are unmarried, you need a single certificate, and you need a household registration book and ID card. After paying the down payment, signing the purchase contract, to apply for a loan, you also need a certificate of income from the work of the unit, the sales center will have relevant personnel to introduce you to a bank loan, after the application is completed, you have to go to the bank to fill in a lot of relevant **, after the review will be opened in the loan bank, you will get a card, and then pay back the money on this card every month.
If you have a free installment payment, you can consider taking it for an installment. If it is to be charged. Then you can consider whether to handle it according to your actual needs.
Installment payment is a common payment method for modern people. Many times, we want to buy a product or enjoy a service, but we don't have enough funds for the time being, so we can use the installment payment method to transfer the payment pressure to a later period of time. There are many installment payment platforms on the market, but how can you choose the right one for you? >>>More
Bai Qian is a loan shark ...... a fraudulent company—Home Credit Company General.