How can you be sure that a car is a new car with a low down payment?

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 the link to test credits.

Up to 200,000.

Share with you the application requirements for consumer products with money: it is mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card.

Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

This answer is provided by Youqianhua, due to objective reasons such as the timeliness of the content, if the content is inconsistent with the actual interest calculation method of the Qianhua product, it shall be displayed on the page of Du Xiaoman Financial APP-Youqianhua Loan. Hope this helps.

Look at the factory date marked on the nameplate of the vehicle, it is generally on the door frame of the passenger of the vehicle.

New cars may be, just with a low down payment there are routines, they trick you and make you equivalent to renting a car.

After buying a car with a low down payment, you need to return the monthly payment regularly, have a stable job or economy, you can buy it in advance, which is an advanced consumption, and you can enjoy the convenience brought by the car to life in advance; The extra money can be used for investment or other purposes, of course, as an advanced consumption, it must give the bank a certain amount of interest.

Regardless of the low down payment or the full payment, as long as it is a formal channel, it is generally a new car and enjoys the warranty, but you need to pay attention when buying a car, some platforms have higher handling fees or interest, as long as the credit is good, 4S stores can also handle low down payment.

Take a look at the date of manufacture of the vehicle, the frame number.

How to be sure that buying a car with a low down payment is a new car to a regular 4S store and buy a car.

Look at the frame number and production date.

The down payment for buying a car in installments is 20%-50%, depending on the loan method chosen by the consumer, the application materials provided are not needed, and the down payment ratio may be different. At present, most banks stipulate that the minimum down payment is 40% of the price of the whole car, and the minimum auto finance can reach 20%.

The loan tenure is generally 3 years and 5 years, and the longest is not more than 5 years. Some also need to pay a deposit of about 10% of the car price.

and related handling fees. Customer loan 3 years monthly payment.

At about 3,000 yuan, the total interest expense is about 9,000 yuan, and the monthly payment for 5 years is only about 1,900 yuan.

Precautions for a down payment to buy a car.

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.

Unless the consumer applies for an unsecured credit loan at the bank, withdraws the money, and goes to the 4S store to buy the car in full, other forms of loans to buy a car cannot get the full discount for buying a car in full. At this time, car sellers often promise consumers all kinds of discounts verbally, and the promises that do not fall on the pen are all on paper, in order to avoid disputes in the future, consumers need to consider when choosing a car loan method.

The minimum down payment to buy a car can be 10%, and the review of buying a car is relaxed.

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The minimum down payment for buying a car is 10% of the down payment, and many of them are okay.

Detectives buy a car and pick up the car nearby with a low down payment for their own household.

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It is rare to be able to do it, such as the detective buying a car.

Detectives buy a car and pick up the car nearby.

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As long as there is no problem with the personal credit record and the bank statement can prove the individual's ability to repay, you can apply for a low down payment to buy a car. When buying a car with a low down payment, it is more important to choose a platform that can be used as a personal account. Buying a car with zero down payment is unreliable because buying a car with zero down payment can do more harm than good.

But this "loan benefit" is also debatable. As the saying goes, "there is no free lunch in the world", this method is also wandering in the gray area of laws and regulations, by increasing handling fees, service fees and other ways, in a disguised way to increase the actual cost of buying a car for consumers, car dealers and financial intermediaries are also profitable.