Process:

Choose the car model, negotiate the price, then pay the down payment, pay the information needed for the loan, and wait for the bank to call back. After the loan comes down, pay the down payment and make an appointment to pick up the car.

Trap:

During the negotiation, some unscrupulous merchants will ask you to buy fine products (that is, decorations with a price of thousands but actually worth only a few hundred dollars) and insurance. Generally, the premium is higher, because the insurance has a rebate.

1, the handling fee was overcharged. There will be some extra handling fees when signing a contract to buy a car with a loan. Therefore, when signing a car purchase contract and a loan contract, consumers should carefully read the contents of the contract;

2. Zero interest rate is often limited. Many dealers offer zero-interest loans to buy cars. However, some dealers do not always enjoy zero interest rate, but can enjoy zero interest rate within the time set by themselves. After this time, the interest rate may be higher and the cost will be higher.

3. Forced to buy insurance. In the process of car trading, some dealers will force customers to buy insurance. It is understood that loan to buy a car and insurance are two completely independent processes. If the owner doesn't like it, there is no need to buy insurance in a 4S shop.

4. The contract forges the signature of the consumer, changes the total car price and monthly repayment amount without authorization, and increases the owner's expenses.

5. False promises can't be realized. In the process of buying a car with a loan, the seller will say that there are a series of after-sales services for the buyer, but after the buyer buys a car, the promise will not be realized. In this case, it is best to ask the buyer to sign the relevant contract with the seller when the seller makes a promise.

2. What are the operation procedures of automobile staging?

The operation process of car staging must be to apply for a loan or something first, which is quite simple.

The detective bought a car and made a rough evaluation of it. Pick up the car nearby.

Where there is no providence, the so-called luck and success come from your own efforts and efforts. Please remember that every step you take now is widening the gap between you and others. If you want to do it, be a strong man in life. Good morning!

3. What is the process of buying a car by stages?

The process is to choose the right model, negotiate the price, then pay the deposit, pay the information needed for the loan, wait for the bank to call back, and then pay the down payment to make an appointment to pick up the car after the loan comes down. The main trap focuses on price negotiation, and some unscrupulous merchants will ask you to buy fine products (that is, decorations that cost thousands of dollars but are actually only worth hundreds of dollars) and insurance. Generally, 4s shops ask customers who borrow money to buy cars to buy insurance from them, and the premium is still relatively high, because insurance has rebates.

Fourth, everyone's car staging process?

Procedure:

Guide customers to choose cars at special dealers of banks and sign car purchase agreements or contracts;

The borrower applies to the loan bank for personal automobile mortgage;

Sign the contract after investigation and consent;

Go through the formalities of notarization and mortgage of automobiles;

Lenders (banks) handle loans;

After the loan is paid off, the lender (bank) cancels the pledge certificate and returns it to the customer.

Materials required:

ID card account book;

Loan application form;

Housing certificate;

Personal income certificate;

The guarantor's ID card, household registration book and all documents must be original and two copies.

Prerequisites for installment of car loan:

Residents with permanent residence in the place where they are located have fixed residences;

At least eighteen years of age but under sixty years of age;

Have the ability to stabilize income and repay loan principal and interest, and the monthly payment shall not exceed 60% of the total disposable income of the family;

A third-party natural person provides a guarantee to repay the principal and interest of the loan, and husband and wife may not guarantee each other;

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;

A "one card" account has been opened;

Other conditions stipulated by the bank.