Materials to be submitted by the lender
1. ID card account book
2. Loan application form
3. Housing certificate
4. Personal income certificate
5. Guarantor ID card? household registration
All certificates must be original and two copies.
Necessary conditions for obtaining loans
1. Residents with permanent residence in the local area have fixed residence in the local area;
2. At least eighteen years of age but under sixty years of age; ?
3 have a stable income and the ability to repay the principal and interest of the loan, and the monthly contribution does not exceed 60% of the total disposable income of the family; ?
4. A third-party natural person provides a guarantee to repay the principal and interest of the loan? Husband and wife shall not protect each other;
5. During the loan period, the insurance company recognized by the bank must insure the motor vehicle consumption loan guarantee insurance at one time and continuously insure the motor vehicle insurance; ?
6. A "one card" account has been opened; ?
7. Other conditions stipulated by the bank.
Dealer:
Consult a car dealer to choose a car.
Submit the materials you should submit to the dealer for preliminary examination.
Pay a down payment, choose a car model and sign a car purchase contract.
Acceptance and approval of banks
Go through insurance and other formalities.
Handle the vehicle entrance formalities and deliver the vehicle.
Bank:
Go through the loan application procedures and fill in the relevant materials.
Lawyers make appointments for home visits and sign relevant documents.
The bank has approved and informed you that you can borrow money.
Go to the special dealer to choose the car, pay the down payment and go through the relevant formalities.
When the bank issues a loan, you can pick up the car at the dealer.
Go to the bank to get loan contracts, IOUs, vehicle insurance policies, etc.
What fees do I need to pay for a car loan?
I. Insurance cost
1. Vehicle loss insurance:
Passenger cars with less than 6 seats = insured amount × 1.2%+240 yuan;
Bus with more than six seats = insured amount × 1.2%+600 yuan.
2. Third party liability insurance:
Passenger cars with less than 6 seats: 50,000 seats, 936 yuan,1100,000 seats 170 yuan;
Passenger cars with more than six seats: 50,000 seats 1053 yuan, 654.38+10,000 seats 13 14 yuan.
3. Annual theft and rescue:
The rate of passenger cars with less than 6 seats is1%; The rate of passenger cars with more than six seats is 0.8%; Santana series car rate is 1. 1%.
What is the calculation formula? Premium payable = insured amount × rate.
4. No deductible insurance:
(Car damage insurance premium+third party premium) ×20%
5. Credit insurance: based on the loan amount, calculated annually: 1 year 1% to 2.2% for 5 years.
Second, the guarantee fee? Based on the loan amount, it is 1% for one year and 3.5% for five years.
Three. Bank loan interest rate (published by China People's Bank in 2002)
1-1February annual interest rate of 4.78% and monthly interest rate of 0.44%.
The annual interest rate for 24 months is 4.94%, and the monthly interest rate is 0.4575%.
13-1June interest rate 4.94 1% monthly interest rate 0.4575%
The annual interest rate for 37-48 months is 5.022% and the monthly interest rate is 0.465%.
The annual interest rate for 49-60 months is 5.002% and the monthly interest rate is 0.465%.
Four, vehicle purchase surcharge (before the implementation of the new regulations)
Taxable (domestic car) = car payment (including tax)/1. 17× 10%.
Five, automobile inspection license fee
The cost of vehicle inspection and licensing varies from 300-500 yuan.
6. Is the vehicle and vessel use tax around 200 yuan/year? Road maintenance fee? Five-seater car 1320 yuan/year
Buying a car: What is the most scientific measure?
Technical performance is an important basis to measure a car. Among them, power and economy are the main indicators. Of course, while evaluating the quality of cars, we should also consider the sales price and the individual needs of consumers. There are four kinds of measures popular in the market today.
Matters needing attention in automobile lifting
1. Take all the bills with you before you pick up the car. Such as invoices, factory certificates, insurance policies, warranty certificates and instructions.
2. When picking up the car, check the real thing according to the ticket. For example, check whether the color, exhaust volume, factory year, frame number and engine number of the car are in line with the actual situation.
3. Go around the car for a week and carefully check whether the paint color is consistent with the color of the whole car. There are no scratches, paint drops, cracks, blisters or rust on the body surface. Touch it with your hand to see if there are any signs of repair. Don't cover the remaining traces with dirt or dust, so as to check whether it is a used car.
4. Check whether the spare tire in the tire size is the same as the other four tire sizes (Note: Bora has Goodyear, Continental and Han Tai tires, and I prefer Goodyear).
5. Check whether the headlights (large and small lights) cover is damaged, whether the doors and windows are complete, whether the rear view is good, and whether the front and rear windshields are damaged.
6. Press the front, back, left and right corners of the car by hand, and the pressed parts will not jump more than twice after releasing the hand, indicating that the shock absorber has good performance.
7. Check whether the vehicle leaks (coolant, lubricant, brake fluid, electrolyte and refrigerant).
8. Open the door and check whether the car seat is complete and whether the seat can be adjusted back and forth. Whether the chair cover is neat, whether the sofa is leather sofa, whether the floor is clean and well sealed. Whether the door handle is flexible, safe and reliable, and whether the sealing strips of doors and windows are damaged. Whether the manual (or electric, hydraulic) window glass control mechanism works normally. Check whether the scene image in the rearview mirror is clear.
9. Sit in the cab, turn on the power at first, and check whether the wiper and water spray cleaner work normally. Turn on the lighting system and check whether the headlights (large and small lights), brake lights and anti-fog lights work normally. Press the horn button switch to check whether the horn sounds. Check whether there are recorded figures in the odometer, which generally do not exceed 60 kilometers for new cars (Shekou to JS).
10, start the engine, first observe whether all kinds of instruments and alarm devices work normally, and listen to whether the engine works normally and whether there is abnormal noise when the water temperature and oil pressure are normal; Whether the idle speed is stable when the throttle is closed (the accelerator pedal is released). Get off and observe whether the exhaust pipe is normal. (It is best to exhaust continuously, and the palms are tasteless and colorless. )
1 1. Carry out a road test to check the acceleration, idle speed, load, braking performance, handling stability, ride comfort and passability of the car.
12. Check whether the transport protective sleeve (yellow) of the front wheel shock absorber has been lifted.
Step 1: External inspection when the vehicle is stationary
1. Look at the paint surface, and carefully look at the hood and roof plane at a 45-degree angle, because the painting effect of the upper plane of the car can best reflect the level of painting technology, and it is also the most vulnerable part to expose defects, no matter which time the paint layer is not handled well. It is easy to produce wrinkles and blisters. When the working environment of spray painting is poor, it is easy to leave spots on the paint layer, which will naturally greatly affect the appearance-no one wants to buy a car with acne, right? In short, the color of the car surface should be harmonious, uniform, full, flat and smooth, without pinholes, pits, wrinkled skin, blisters, flow marks and scratches, and the boundaries of different colors should be clear.
2. Check whether the gap between the door, the hood and the trunk door is even and whether the rubber strip at the door joint is well sealed. When closing the door, apply a little force, the door should be locked automatically and reliably. Be flexible when opening the door, and the door shaft must not be loose and noisy. The opening and closing of the window should be light, flexible and tightly closed. The window glass should be transparent without ripple, and the front windshield should not be dazzling.
3. Rubbing strips and decorative lines of the car body should be straight, with smooth transition and consistent gaps at the interface.
4. The rearview mirror should have clear imaging and flexible adjustment.
5. When the tire pressure meets the requirements, from the front of the car, the height of the symmetrical parts of the car body, bumper and human plate should be consistent.
6. Check whether the models and patterns of tires (including spare tires) are consistent, and whether there are cracks and blisters.
7. Push and pull the upper side of the tire from the side without feeling loose.
8. Check the headlights. The types, specifications, color filling and lighting height of symmetrically installed lamps should be consistent. Replace the far and near lights, the brightness and illumination position should be correct, and there should be no deviation and astigmatism. The installation and luminosity of various lamps shall meet the requirements of the manufacturer's factory instructions.
Step 2: Check the engine.
1. Open the engine hood and check whether the engine and its accessories are contaminated with oil and dust, especially whether there is leakage at the joint between the cylinder head and the cylinder block, and at the joint between the oil filter, air conditioner compressor, steering booster pump and transmission shaft. Pull out the dipstick to see if the oil on the dipstick is clean and bright, and the oil amount should be between two scales.
2. Check whether the coolant and brake fluid levels are between the maximum (max) and minimum (min) scales.
3, cold car to start the engine, should start smoothly, each time no more than 5 seconds, ignition can be started once or twice. After starting, the engine speed should be stable without shaking or abnormal sound.
4. Change the engine speed smoothly, and the corresponding pointer on the dashboard should be sensitive. When accelerating. The engine shall be free from sudden explosion, fire, backfire and ignition. When the engine is stable at a certain speed, the engine should have no abnormal sound, and the corresponding pointer on the instrument panel should be stable without obvious fluctuation.
5. After the engine is running at low, medium and high speed for a period of time, let the engine idle for a certain period of time (generally 800-900 r/min) to see if the engine is stable, with or without jitter and noise. 6. At the same time, observe the exhaust gas discharged from the exhaust pipe outlet at the rear of the vehicle, which should be smokeless (except steam at low ambient temperature) and tasteless (put your hand near the exhaust port for a while, and then observe whether there is oil stain on your hand. Smell it).
7. After the engine stops for a period of time, start the warm car. At normal operating temperature (60-80 degrees Celsius), the engine should start successfully within 5 seconds.
Step 3: driving inspection
1. Before driving, press the brake pedal with maximum force and hold it for one minute. The pedal cannot move down slowly. At the same time, you can use this time to see if the front view is open and feel whether the seat is comfortable. Note that the seat is too soft, and it is easy to feel tired after driving for a long time.
2. When stepping on the clutch. Should be connected smoothly and separated thoroughly. No slip, no trembling.
3. The gear shifting of the transmission should be light and flexible, with accurate gear shifting, no gear shifting, no random gear shifting and no abnormal noise.
4. When driving at low, medium and high speed, it should be smooth and there is no noise in the car.
The acceleration of the car should be fast and powerful. The shorter the acceleration time from the initial speed of 20km/h to 40km/h, the better the dynamic performance of the car.
6. When the road bumps or runs over a stone, the tire should have the effect of automatically returning after jumping.
7. When going straight at a speed of 20km/h-30km/h, keep your hands away from the steering wheel for a while to see if the car is running off or skidding.
8. When driving, the steering mechanism should be flexible, make an "O" shape, and look at the turning radius (the smaller the radius, the better the maneuverability of the car). When the wheel turns to the limit position, it should not interfere with other parts. Drive in an "S" shape and see the flexibility of turning.
9. When the vehicle speed is 30km/h, the gear shall be disengaged, and the sliding distance shall be above 160m. You can refer to the telephone poles on the roadside, and the distance between the two poles is generally about 50 m.
10, the braking shall be sensitive, rapid and powerful, and there shall be no deviation or side slip. Braking distance conforms to factory regulations. 1 1. According to the instructions, try the heating, air conditioning and other facilities on the car according to the season to see if they meet the manufacturer's regulations.
12, check whether the lights and various signal signs are complete, effective, accurate and reliable.
13. Finally, verify the driving fuel consumption to see whether the economic indicators meet the requirements.
Step 4: Check after parking.
1. Open the engine hood and check again for oil leakage, water leakage, electricity leakage and air leakage.
2. Observe whether the front and rear shock absorbers, brake pumps, transmissions and transmission shafts under the vehicle are leaking oil.
3. On the ground with a certain slope, check whether the parking device is effective and reliable.
4. Touch the brake disc and drum carefully and quickly to see if it is very hot.
5. Whether the central control pin, door pin, burglar alarm and other facilities are effective and reliable.
Through the above steps. We can generally examine the performance of cars from the aspects of power, economy and reliability. We can comprehensively consider these aspects with the convenience of use, maintenance and supply of auto parts, and try to choose manufacturers with perfect after-sales service guarantee system. From the perspective of safety, we should also try to choose cars with airbags and ABS anti-lock devices.
First: dynamic
The dynamic index of automobile is mainly expressed by maximum speed, acceleration ability and maximum gradient, which is the most basic and important performance of automobile. In our country, these indexes are all obtained by automobile production enterprises through prototype tests according to the national test standards.
Maximum speed: refers to the highest speed that a car can reach on a well-leveled asphalt or cement pavement under windless conditions. According to China's regulations, the last 500m of the 1.6 km long test section is taken as the test area with the highest speed, and * * * goes back and forth four times, taking the average value.
Acceleration ability (acceleration time): refers to the ability of a car to quickly increase its speed while driving, which is usually expressed by acceleration time and acceleration distance. The acceleration ability includes two aspects, namely, starting acceleration in place and overtaking acceleration. Now, more parameters of in-situ starting acceleration are introduced. Because the car with good starting acceleration performance, overtaking acceleration is also good. In-situ start acceleration refers to the time required for the car to continuously shift to the highest gear with the maximum acceleration intensity and accelerate to a certain distance or speed after starting from a static state. It is the most important parameter that truly reflects the dynamic performance of an automobile, and the shorter the time, the better.
Second: economy.
The economic index of automobile is mainly expressed by fuel consumption, which is an important performance of automobile. Especially in China, the fuel consumption parameters of automobiles have special significance. The fuel consumption parameter refers to the fuel consumption (expressed by "L" and "L") when the vehicle runs100km. In our country, these indexes are all obtained by automobile production enterprises through prototype tests according to the national test standards. Including constant speed 100 km fuel consumption and circulating fuel consumption.
Constant-speed 100-kilometer fuel consumption: refers to the distance that a car travels at the same speed with the highest gear on a flat and hard road surface, and the average value is taken once to record the fuel consumption, so as to obtain the fuel consumption of the car at different speeds. When the fuel consumption of each speed segment is connected with points, it is found to be a parabola with an upward opening, and the most concave point is the speed segment with the lowest fuel consumption, that is, the "economic speed". Some manufacturers regard this economic vehicle speed as a fuel consumption parameter, but it is actually only a reference value, because it is difficult for ordinary users to do so, for the same reason as the "acceleration time" mentioned above.
Circulating fuel consumption: refers to the fuel consumption of a car when it is driving at a constant speed, accelerating or decelerating on a designated typical road section. Some also include fuel consumption at starting and idling, and then convert it into fuel consumption of hundreds of kilometers. Generally speaking, the comprehensive fuel consumption value obtained by weighted average of circulating fuel consumption and constant speed 100 kilometers fuel consumption (specified speed) objectively reflects the fuel consumption of automobiles. Some automobile technical performance tables label the circulating fuel consumption as "urban fuel consumption" and the constant fuel consumption of 100 kilometers as "constant fuel consumption".
Third: cost performance
Cost-performance ratio refers to the ratio between the characteristics and functions of the product itself and the price of a single product, that is to say, the value of the product should be determined according to the performance of the product, which is a comparison method with product performance as the main measure. Family car is a special commodity that integrates beauty, power, comfort and safety. When buying a family car, users must comprehensively consider many factors such as appearance, technical performance and safety performance. A car is poor in safety, even if the price is lower, mature users will never be tempted; Even if the price of a car with good safety and technical performance is slightly more expensive, users will pay the bill because it is worth the money.
Fourth: Profit-price ratio
The comparison of interests is three-dimensional. We should not only consider performance, but also meet demand, and pay more attention to actual results. For example, what you need is a private daily scooter, and safety and comfort should be the primary selection criteria; If you have to do housework and travel, a car is more suitable than a hatchback.
Performance-to-price ratio values performance indicators, while benefit-to-price ratio values actual effects; The core of cost performance is to compare products; The benefit-price ratio takes its own demand as the core; The performance-price ratio is a rigid one-way comparison, and the benefit-price ratio is a flexible two-way comparison.
Through the comparative relationship between benefit and price, it can be found that when choosing vehicles, it is necessary to carefully divide and comprehensively consider various factors: performance, quality, service and brand are indispensable. As a sports carrier composed of nearly 20,000 spare parts, automobile performance is important, quality is the key, service is the guarantee, and brand is the value. You can't choose any of these, you can only choose the one that suits you best.