Generally speaking, buying a car with a loan has two advantages. First, the saved funds can be used in other places, such as investment, and the money invested may be more than the loan interest; Second, you can accumulate credit, borrow money to buy a car, and as long as you repay on time, you can accumulate good personal credit, which will help you apply for loans and credit cards in the future.

The process of buying a car with a loan is as follows:

First, book a car. Book the car first, then take the loan process, and negotiate with the 4S shop for specific preferential policies.

Second, submit the loan procedures. Usually need: husband and wife identity certificate, driver's license, marriage certificate, real estate license, income certificate, bank running water and other information.

Third, waiting for approval. After the loan procedures are submitted, the bank/vendor finance/third-party finance company will examine and approve the loan applicants' qualifications, which are usually divided into online examination and approval and offline examination and approval. Online approval generally calls the loan applicant; Offline approval is generally a home visit, and it will only be taken if the loan applicant's qualification is not very good.

Fourth, pay the down payment. After the loan is approved, it is necessary to pay the down payment to the 4S store first, and then the 4S store will issue a receipt for the down payment and give it to the bank/finance company for loan.

5. borrow money to pick up the car. Banks/financial companies will lend money to 4S shops or loan applicants, so that they can issue insurance invoices to pick up their cars normally.

BYD, a China automobile brand, was founded in 1995, mainly producing commercial vehicles, family cars and batteries. Starting from the scale of more than 20 people.

In 2003, it became the second largest rechargeable battery manufacturer in the world, and BYD Auto was established in the same year. Following the development route of independent research and development, independent production and independent brand, BYD Auto is determined to build a truly affordable national car. Product design not only draws lessons from the advanced concepts of international trends, but also conforms to the aesthetic concepts of China culture.

2017165438+18 October, BYD was selected as one of the top 30 business cases in Time Impact China. 20 19 12, BYD was selected as the brand of 20 19 China Brand Power Festival 100. ? On 20 19 12 18, People's Daily released the China Brand Development Index 100 list, and BYD ranked 24th.

On June 4th, 2020, 65438+ won the evergreen award of "Internal Control Award for Sustainable Development" of Caijing in 2020.