Question 1: The car can be loaned by installment for up to three years, up to several years.
If you want to borrow money to buy a car, you can apply for an installment loan directly from 4 S. Generally, the following conditions are required: ID card, unit income certificate, real estate license, single certificate or (marriage certificate). If you get married, the above documents need two people. Car dealers with real estate licenses will generally find a guarantee company to apply for a loan, and the guarantee company will find a bank loan with a minimum down payment of 30%. Actually, it's easy to apply for a loan. Most of the procedures will be handled by car dealers and guarantee companies for you. All you need to do is prepare some documents yourself (the car dealer or credit company will tell you), and then you have to go to their designated bank to apply for a bank card to repay the loan. They guarantee everything else. They will ask you to provide proof that your monthly income is not less than twice the monthly repayment amount. For example, if you pay 1500 every month, the monthly running water on the salary card should be around 3000.
Question 2: What is the longest installment plan for buying a car? Three years is more common, and a few banks can do it for five years, which has never been heard of.
Question 3: How many years does it take to buy a car by installment? The most common ones are 36 issues in three years, and of course there are also five years. Other long-term depends on how 4S cooperates with financial companies.
Question 4: How many years can a used car be divided into stages at most? . . Automobile staging is generally divided into three years, up to five years. At least 2 years. According to the loan period, the service life of the vehicle plus the loan period shall not exceed 10 year.
Question 5: Do you usually buy a car by installment? Mostly two or three years.
Question 6: How many installments can a general car installment be divided into? Generally, credit cards can be applied for one to three years in installments. If the qualification is good, the longest installment shall not exceed 50%, depending on the applicant's situation.
Question 7: How much is the down payment for buying a car by installment? According to your car price:120,000 yuan.
According to the payment method you choose: 5-year installment; 30% down payment
Total down payment: 52,883.3 yuan = down payment ratio of car price, purchase fee, insurance premium and other expenses.
Total loan: 84,000 yuan = car price-down payment ratio of car price.
Average monthly repayment: 65,438 yuan+0,607.592 yuan loan term coefficient.
5-year accumulative total: 96,455.52 yuan (= 565,438+0265,438+0607.592), of which interest expense is 65,438+02455.52 yuan.
Total expenditure: 149338.82 yuan down payment for 5 years.
Description of installment calculation:
1. The down payment is subject to the quotation of the car.
Total down payment = car price down payment ratio; Car purchase expenses (basic expenses, insurance expenses and other expenses)
Total loan amount = new car purchase price-down payment ratio of car price
Monthly repayment amount = term coefficient of total loan amount
Management fee = loan amount 1.5%
2. Other factors different from one-time car purchase are:
Inspection fee: imported cars are divided into stages 1000 yuan, and domestic cars are divided into stages in 500 yuan.
Management fee: the management fee coefficient of the loan amount (the range is 1-3%), which is calculated as 1.5% here.
3. Reference monthly average repayment period coefficient:
1 year: 857.5/ 10000
2 years: 440.9110000.
3 years: 301.9110000.
4 years: 232.93/ 10000
5 years:191.38/10000.
4. Required procedures:
Buyer: ID card, household registration book, real estate license (or long-term residence permit), monthly income certificate (official form) and 2 one-inch photos. If married, a copy of marriage certificate is required.
Company car purchase or guarantee:
Copy of business license, legal person code certificate, tax registration certificate, bank account opening permit, shareholders' agreement, company office certificate, articles of association, balance sheet, loan certificate, income statement and legal person ID card.
Question 8: Buying a car by stages can be divided into several years and five minutes at most, usually 24 periods in two years. FAW-Volkswagen and FAW-Audi have interest-free loans from CCB.
At most, it is 36 issues in three years, because the car depreciates quickly and the term is long, and I am afraid it will not be available.
Question 9: What is the longest period of buying a car by stages in a 4s shop? The longest is 30 years. . Provident fund loan minimum 20%
How many years is the longest car loan? Four factors determine the life span.
When many friends apply for a car loan, they will struggle with the length of the car loan, which is determined by the loan method, used car, brand of the car and the qualification of the applicant. So what is the longest life of car loan? Summarized four factors that affect the automobile loan, and the specific analysis is as follows:
Automobile loan method
There are three main ways of car loan: credit card car purchase, bank car consumption loan and auto finance company loan. Different loan methods have different provisions on the loan term. Details are as follows:
Buying a car by credit card can only be divided into 36 periods, that is, three years;
Bank car consumption loans can be loaned for up to 5 years, and some banks stipulate that they can only be loaned for up to 5 years;
Auto financing companies can borrow for up to five years.
Car age
The longest life of car loans is also affected by new and old cars, such as new car loans, which can reach five years, while in the case of used car loans, the longest loan period is often less than two years. Although it is stipulated in this way, banks and other financial institutions will not easily agree to apply for the longest-term loan to buy a car, considering the rapid depreciation and the high risk of future repayment.
Car brand
Car brand is also a factor that affects car loans for the longest time. It depends on whether the purchased vehicle belongs to a relatively value-added brand. If BYD, MG, Roewe and Skoda all lend for up to 3 years, other domestic brands will also lend for 3 years. More than 3 years are generally joint venture brands, such as Volkswagen, GM, BMW and so on.
Personal qualifications of the applicant
The answer to the question of how many years is the longest car loan can be summarized as follows: Under the premise of choosing the appropriate loan method and car brand, you can guarantee your good personal reputation and excellent repayment ability, and the probability of loan for five years is higher.
How to stipulate the term of car loan? Interpretation of the relevant provisions on the term of car loan
How to stipulate the term of car loan? Buying a car with a loan allows people to enjoy convenient travel in advance. With the improvement of people's consumption level, loan to buy a car has gradually become popular in recent years. Let's talk about how the term of car loan is stipulated. Interpretation of the relevant provisions on the term of car loan It is understood that the term of car loan is generally not particularly long. Because cars are not as easy to depreciate and consume as houses, loans to buy cars often don't last long. Usually, the longest time for a borrower to buy a car with a loan is about 5 years, and the most common time is 1-3 years. Under special circumstances, the borrower can also extend the loan term to 10 year. The time limit for borrowers to apply for loans to buy cars should not be too long. Bian Xiao believes that if the term is too long, the car may have become old, but the loan is still being repaid. At the same time, the cost of a longer term will increase accordingly, and borrowers should repay according to their repayment ability.
How many years can I borrow to buy a car?
It can be kept for up to five years. Most loans have a term of three years.
Generally, there are three channels for car loans, namely, credit card installment car purchase, auto financing company loans and bank loans. Generally, there are personal credit loans to buy a car (unsecured and unsecured, most of which require you to have good credit and stable work income), and there are also real estate mortgage loans to buy a car (using real estate as collateral). Interest is determined according to the loan type and individual comprehensive qualification. Personal comprehensive qualifications include personal social credit, whether you have a stable job and the ability to repay the principal and interest of the loan on time, whether you can provide a fixed and patient address and so on.
If you are looking for a bank loan, most of you need to ask for a down payment of 40% to 50%, but it is formal, don't worry, the interest is relatively low; It is easy to apply for a loan from an auto financing company, and the down payment will be much lower, mostly around 20%. The disadvantage is the high interest rate. Both methods can basically lend for five years (individual banks can only lend for three years).
There are 12 months, 24 months and 36 months for buying a car by credit card. Credit card fees for installment payment. Interest is charged on loans.
With similar interest rates, the longer the term, the more interest will be paid. If the loan is 80,000 to100,000, three years is the best choice, if the interest expense for five years is relatively high.
Buy a car by stages, a few years at most.
Buying a car in stages for 5 years can be up to 60 * * *!
1. Method: There are two ways to apply for car loan.
Personal credit loan to buy a car (without mortgage or guarantee, you are generally required to have good credit and stable work income)
It's a real estate mortgage loan to buy a car (using real estate as collateral)
Two. Conditions:
1. Personal credit loans are generally 5 years, with a down payment of more than 30%.
2. Real estate mortgage loans are generally up to 5 years, with a down payment of more than 30%.
3. Interest rate: The interest rate is mainly determined according to your loan type and your personal qualifications. If the qualifications are good, the interest rate will be low.
Four. Loan terms:
Having valid identification and full capacity for civil conduct;
Can provide fixed and detailed address proof;
Have a stable job and the ability to repay the loan principal and interest on schedule;
Personal social credit is good;
Holding a car purchase contract or agreement approved by the lender;
Other conditions stipulated by the cooperation organization.
Verb (abbreviation of verb) application materials:
Original ID card, residence booklet or other valid proof of residence, and provide a copy;
Proof of occupation and economic income;
The car purchase agreement, contract or letter of intent signed with the dealer;
Other documents required by the Cooperation Organization.