What is the most cost-effective down payment for buying a car? How much is the down payment for buying a car? Many people don't know yet. Now let's have a look!
1. Generally, the down payment for buying a car is 303,360 yuan for car loan and personal loan. The down payment ratio should be greater than 20%(20%). A car is 65,438+10,000 yuan, and the down payment for car loan must be at least 20,000 yuan.
2. But the down payment of different models, years and versions is different. When buying a car in a 4S store, the down payment is generally 30%. People usually choose 36(3 years) car loan products, and the loan interest fluctuates between 5% and 8%.
3. If there is a real estate license and collateral as collateral and there is a stable source of income, in this case, the down payment is not 30%, and the down payment ratio can be reduced by 10%, which is 20%.
What is the most cost-effective down payment for car loans?
Personal consumption car loans are issued in accordance with the requirements of the maximum loan ratio, and the loan amount shall not exceed the requirements of the maximum loan ratio. At present, the highest proportion of personal car loans is:
1, and the maximum loan ratio for self-use traditional power vehicles is 80%;
2. The maximum loan for self-use new energy vehicles is 85%.
The above-mentioned car price refers to the lower of the actual transaction price of the car (excluding government subsidies and various additional taxes and insurance premiums). ) and the price announced by the car manufacturer.
For details, please consult the loan handling bank of China.
The above contents are for your reference. Please refer to the actual business regulations.
How much is the general down payment for a loan to buy a car?
From 20 15, the minimum is 20%, and the down payment must be above 20%, which may be increased according to the requirements of the unit you apply for a loan, generally 30%. If your credit and financial strength can't meet the company's standards, you may be required to increase the down payment.
The minimum down payment is 20%. The People's Bank of China stipulates that the down payment ratio of individual car loans and car loans shall not be less than 20%. However, due to the credit crunch during the year, some banks in Shanghai have increased the down payment ratio of personal car loans from 20% to 30%-40%.
If you want to buy a 100w BMW, you should pay 20%-50% down payment for buying a car by stages, and the general bank requires 40%-50%. Some car dealers can get 20% or even lower if they find some financing companies.
Extended data:
If you buy a car down payment, you need to pay 20-50w, or even lower. For car buyers who intend to apply for personal car loans from banks, they should prepare the down payment in advance according to the market price of the models.
The general bank's provisions on the amount of personal car loan products mainly include: personal credit or joint liability guarantee can guarantee a maximum loan of 200,000 yuan; Apply for mortgage with the purchased vehicle or real estate, and the loanable amount is 70%; If a third party applies for secured loans (except banks and insurance companies), the loanable amount is 60%.