In practice, lenders are required to take out vehicle loss insurance, vehicle theft insurance, auto-ignition insurance, compulsory insurance and third-party liability insurance when purchasing vehicles, in order to prevent the risks of the vehicles themselves. If the vehicle is stolen, the insurance company can pay the corresponding amount to the owner to repay the loan.
Under normal circumstances, the way consumers choose to apply for a car loan is different from that of the insurance company they are looking for, and some also require an increase in deductible insurance.
These insurances must be at least as long as the loan period, and they also need * * * fees.
Car insurance required for loan to buy a car:
1, compulsory insurance. This is an insurance product that must be purchased according to national regulations. As long as the borrower buys a car, he has to buy compulsory insurance, which is not negotiable.
2. Third liability insurance. In terms of compensation, the amount of compulsory insurance is low. If the borrower buys the third liability insurance, the amount of compensation after the accident will be relatively high.
3. The whole vehicle was stolen and rescued. After buying a new car, it must be as painful as being a baby, especially a good car. Of course, I am afraid of being stolen and robbed. At this time, you need to buy a whole car anti-theft emergency. With this insurance, borrowers don't have to worry about the new car being stolen and robbed.
4. Vehicle loss insurance. This is one of the most common types of new car purchases. If the car is scratched in future use, you can apply for compensation to reduce the loss of the borrower on the way.
5, excluding deductible insurance.
How to pay for the insurance of buying a car with a loan is the same as ordinary insurance, except that the amount of insurance claims is paid to me and needs the proof of the loan bank.
1. After the vehicle is purchased by loan, the bank will go through the loan mortgage formalities for the vehicle, and make it clear in the insurance contract that the first beneficiary of the insurance is the commercial bank that handles the loan. In this way, banks can ensure the reasonable income of bank loans after vehicle accidents.
2. When the vehicle is insured, the insurance company will pay the insurance claim amount to the first beneficiary according to the insurance contract. Therefore, after paying the insurance loss, the insured needs to apply to the loan bank for proof and pay the insurance claim amount to himself.
3. It is necessary to prove that the commercial lender has paid the monthly loan on time, and the bank agrees to pay the insurance claim directly to the insured.
After receiving this certificate, the insurance company will directly pay all the insurance claims to the insured.
If you borrow money to buy a car, do you have to buy insurance in a 4S shop during the loan period? Insurance bought by loans requires 4s stores.
Car mortgage conditions:
1, a citizen of China who has reached the age of 18, has full capacity for civil conduct and has a fixed residence in China.
2 have a stable professional and economic income, and can guarantee to repay the loan principal and interest on a regular basis.
3. Car mortgage can be provided, and there are guarantee measures recognized by the loan bank.
4. Open a savings account in a loan bank.
5. Willing to accept other conditions stipulated by the lending bank.
If you borrow money to buy a car in Shanghai, you must buy insurance in the store. Is the license plate 1? You don't have to buy insurance in a 4S shop to buy a car, but if you don't buy insurance in a 4S shop, they will give you less discount on buying a car, and it won't make you cheap anyway.
Buying a car with money is all-insurance, which is the regulation of the bank. The ownership of the car bought with money actually belongs to the bank, so all risks are the bank's regulations.
The general steps of buying a car with a loan are as follows:
1. Book the car first;
2. Go through the loan formalities in the 4S shop: including providing information and signing the loan details;
3. Wait for the loan agreement of the bank to give the 4S shop this loan;
4. After obtaining the consent form, the general 4S shop will inform the customer to pay the down payment;
5. The customer picks up the car and puts on the card;
6. After the card is completed, the information is mortgaged to the bank;
7. A few days after the mortgage (generally according to the bank's audit), the money will be paid to the 4S store.
How to insure the car bought by loan? Hello!
At present, you can buy auto insurance directly from relevant insurance websites, among which compulsory insurance is a must. You can buy other types of insurance according to your own needs.
I hope the above answers can help you!
The problems of loan auto insurance generally include car damage, third party, burglary and glass. Compulsory insurance. In addition to excluding deductible insurance, there are some special risks, such as spontaneous combustion insurance, scratch insurance, and Japanese cars are afraid of smashing cars.
Hello, whether to renew your insurance in 4S shop depends on your personal needs and situation.
The main features of the update of 4S stores are:
1, the insurance price is generally "high" but more convenient; Since 4S stores are often the fixed loss points of some insurance companies, the final fixed loss price is also the maintenance price. If you don't care much about the premium, you don't have time to deal with complicated claims. In order to make claims smooth and convenient, the full set of claims maintenance services in 4S stores will save you time and worry.
2. Pay attention to the insurance that has a fixed loss agreement with the insurance company in the 4S store. There is usually an "authorization card" of the insurance company at the entrance of the 4S shop with a fixed loss agreement with the insurance company, so that you can enjoy the maintenance and claim settlement services of auto insurance with greater confidence.
The characteristics of insurance company renewal are:
1, the premium is relatively favorable; If you are very good at auto insurance and have experience in accident handling and claim settlement, it is a good choice to apply for insurance with an insurance company.
2. Convenient handling; In order to facilitate car owners, many insurance companies have opened telephone auto insurance, online insurance and other services, which are convenient to handle.
3. Fast processing speed and professional service; Auto insurance has an advantage for insurance companies, that is, the insurance business insured by them can get timely feedback and the information provided is very professional.
In addition, you can also go to the third-party insurance online platform to insure auto insurance, which can be screened by many parties and comprehensively compared. It is a popular choice for many car owners.
I hope it helps you.
Insurance, licensing fee and purchase tax are all paid when the car is picked up, and are not included in the loan.
The loan of 65438+ 10,000 yuan to buy a car can be roughly calculated like this.
Down payment:10w * 30% = 30,000 yuan.
Purchase tax: 8550 (overpayment and underpayment)
Insurance: 4500
Registration service fee: 1000 yuan (excluding license plate)
Loan service fee: 1000 yuan
Loan fee (deemed as interest): 70,000 * 8% = 5,600 (according to the installment payment of CCB's credit card, the loan fee of CCB is 4% of the loan amount for one year and 8% for two years). The handling fee is paid to the bank when the credit card repays in the first month, and it is not necessary to pay when picking up the car.
Monthly payment: 29 17 yuan (70,000 divided by 24 months)
Total: 30000+8550+4500+1000+1000+5600 = 50650 yuan. You can take the car in your early 5w.