If it really needs to be phased, I suggest that the longer the time, the better, because car loans are not like mortgages, and mortgage interest rates are calculated according to the length of time, but car loans are generally interest-free. However, 4S stores charge the so-called service fee, which is generally around 4,000 yuan. This service charge is the same whether you borrow it for one year or three years. Consider it interest. Do you think one year or three years is cost-effective?

Second, I want to change cars and find out which is more cost-effective than car loan or bank loan.

The loan of China Merchants Bank is the result of comprehensive calculation based on the loan amount, interest rate, loan term, repayment method and other factors. If you want to make a trial calculation for reference at present, please open the following link:/cmbwebpubinfo/cal _ loan _ per.aspx? Chnl=dkjsq tries to use the benchmark interest rate of the current loan for trial calculation.

Third, I want to change cars and find out which is more cost-effective than car loan or bank loan.

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4. What is the car-to-car loan process?

The store that buys a car has a special customer service .. first fill in the relevant verification of car loan as required. ...