It is recommended to go to the National Bank for car loans instead of private lending or guarantee companies.

The bank car loan application process involves mortgage items or financial expenses of two people as a guarantee, and the mortgage is fixed property, such as real estate. The guarantor shall be two or more financial expenditure personnel in the place of loan.

The vehicle sales office will ask if it supports loans. If so, ask the bank you want to borrow from if it supports loans from this merchant. If they are all in line, submit the mortgage items or guarantee information, and the bank will review it. If it is confirmed that it can be passed, then you can buy a car.

52,900 is the price of the naked car. The loan is only for the price of the naked car. The down payment ratio is 30%---no limit, and the minimum requirement is 30%. If conditions allow you to pay more down payment and get less loan. 52,900, 30% = 15,870 yuan. After that, the sales place will issue an invoice and go to the bank for a loan. The bank will directly transfer the remaining loan into the sales account, and then go to exchange the full invoice for settlement.

The bank will ask you to apply for a bank card for repayment at a fixed time. After settling in, the vehicle's original invoice, vehicle book, etc. must be mortgaged to the bank, and the required insurance coverage must be purchased in accordance with the bank's requirements (the insurance company chooses it)

52900-15870=37030. The repayment interest rate is different for each bank, and the calculation method is charged The methods are different, follow the loan contract. For example, some banks require a one-time payment of interest, while others require the total amount + interest to be paid in installments. This mainly depends on the lending bank's regulations.

The loan is 37030, divided into 36 installments over 3 years, each installment is one month, and the monthly repayment is 1028.7 yuan. There are 24 installments over two years, and the monthly repayment is 1,543 yuan. (Before adding interest, each bank will be different, subject to the contract provisions)

The loan is only for the price of the bare car, registration, insurance, purchase tax, guarantee fees, and handling fees are not included and must be reserved by yourself. It probably costs several thousand yuan more than the full price, I can’t calculate it specifically.