2. Monthly payment = (principal+interest) ÷ months, total interest = principal * annual interest rate * term, interest = 50,000 * 4.5% * 2 = 4,500 yuan.
3. When preparing the loan, you should prepare the income certificate (if you are married, you need the income certificate of both husband and wife), the household registration book, and the ID card (if you are married, you should prepare two copies). In some places, you need a copy of the property to prove that you have a fixed residence in the local area.
If you can provide business license and other proof of economic strength, it will be easier to get a loan. In addition to interest, the 4S store will charge 1000-2000 yuan. If the loan is difficult, the 4S shop will also suggest looking for a guarantee company to guarantee (otherwise, the loan cannot be obtained). Taking 60,000 yuan as an example, the cost of the guarantee company is about 3,000 yuan.
Extended data:
Matters needing attention in auto loan are as follows:
1. After enjoying the "zero-interest loan" from the merchants, can I still enjoy the car price discount?
2. A few days ago, the car loan fee in the market was in the range of 4% ~ 7.5%, and whether the interest was exempted increased the fee.
3. The car purchase interest rate is charged according to the bank's benchmark interest rate. Whether the handling fee is exempted or not, the interest will rise on the basis of the bank's benchmark interest rate.
When handling car loans, the most important thing is to shop around. Consumers should choose a regular auto loan service company with certain qualifications and strength, which not only provides standardized services and charges, but also does not leave hidden dangers.
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