If there is no problem with my credit, I can support 80% of the loan vehicles at most, and I can pick up the car with a down payment of 20%. Is the most cost-effective. You can also go to the factory for two years without interest.
2. I want to buy the Great Wall Haval H6, and I want to pay by installment. Anyone who knows about it will come for reference. ...
Buying a car is a tragedy.
3. What documents do you need to buy a car with a loan from Harvard Six Sports h6?
Application materials to be provided:
(1) Personal loan application;
(2) Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. Borrower's statement;
(3) proof of household registration or long-term residence
(4) personal income certificate, family income or property certificate when necessary;
(5) Car purchase certificate issued by the car dealer
(6) proof of down payment for car purchase;
(7) Relevant information on the mortgage of the purchased vehicle;
(8) If the vehicle purchased by the loan is a commercial vehicle, the license agreement and lease agreement that the purchased vehicle can be legally used for operation shall also be provided.
Processing flow:
1. Customer application. Customers apply for information from banks;
2. Sign the contract. After the application materials submitted by the borrower are examined and approved by the bank, the two parties sign a loan contract and a guarantee contract, and handle them as appropriate;
3. issue loans. After all the formalities are completed, the bank will directly transfer it to the account of the car dealer according to the contract;
4. Repay according to the repayment plan and repayment method.
5. loan settlement. Loan settlement includes normal settlement of loans and early settlement (one-time repayment of principal and interest); (2) Early settlement: Before the loan expires, if the borrower partially or completely settles the loan, it must apply to the bank in advance according to the loan contract, and the bank will repay the loan.
After the loan is settled, the borrower shall go through the mortgage cancellation formalities at the original place with his valid identity document and the loan settlement certificate issued by the bank and the loan settlement certificate approved by the bank.
IV. Minor maintenance is 533 yuan, with a monthly cost of 1620 yuan. Analysis of the third generation Haval H6 car purchase and maintenance cost!
As of August, 2020, Haval H6 has held the top spot in the SUV market for 86 consecutive months, becoming a "national SUV" in the eyes of domestic consumers. On August 30th, the third-generation Haval H6 was officially launched, and * * * launched four models, with the manufacturer's guide price of115900-134900 yuan. The new car is built on the lemon platform, which not only has a brand-new appearance and interior, but also the remote upgrade of FOTA function and the 5G expansion capability of the whole vehicle have become the highlights of the new car.
You know, as a "national SUV", it is not enough to only achieve outstanding product strength and high cost performance. Consumers will naturally pay attention to whether car maintenance costs are close to the people. Therefore, in this issue of Lessons of Money and Cars, Xiao Zhi will take you to calculate the car purchase cost and car maintenance cost of the third-generation Haval H6.
Through the summary of the full text, we can get a general understanding of the car purchase and maintenance costs of the third-generation Haval H6. First of all, Xiaozhi chooses 202 1 1.5TMax of the third generation Haval H6 for various calculations. The manufacturer's guide price of this model is 128900 yuan.
As a sub-top model of the whole department, it is equipped with complete driving assistance configurations such as adaptive cruise, lane keeping assistance and active braking, which not only relieves driving pressure but also improves safety, and it is also quite practical, such as dual-zone automatic air conditioning and adaptive far and near light, so Xiao Zhi thinks that the third-generation Haval H6202 1 model 1.5TMax is very cost-effective. Next, let's take a look at how the cost of the third-generation Haval H6 is specifically calculated.
Xiao Zhi learned by phone that the third-generation Haval H6 in Shanghai 4S store has enough cars, but there is no cash discount for new cars. In terms of loans, consumers can choose 36 interest-free or 50% down payment /50% final payment schemes. If the old car replaces the third-generation Haval H6, the same brand model of Haval can get a replacement subsidy of 1 10,000 yuan, and the replacement subsidy of other brands is 6,000 yuan.
At present, there is no cash discount for the third generation Haval H6. If you buy the 202 1 1.5TMAX of the third-generation Haval H6 in full, the final landing price will be 147929 yuan, and a fully equipped "national SUV" can be landed in 1500 yuan, which is still very cost-effective.
If you want to borrow money to buy a car, the loan scheme of the third generation Haval H6 is still flexible. Xiao Zhi recommended the option of 36 interest-free loans, which is relatively simpler and more cost-effective. In addition, according to the sales staff of 4S shop, the loan amount can reach 80-90% of the car price at most. However, despite interest-free loans, 4S stores usually charge a loan fee of 5% of the loan amount. Take the down payment of 50% as an example. Loan to buy the third-generation Haval H6 with 202 1 1.5TMAX, with an advance payment of 86,702 yuan. Monthly payment 1790 yuan, actual total expenditure15152 yuan, only more than the full amount.
In terms of maintenance, the first warranty and the second warranty of the third-generation Haval H6 are carried out at 5000km and 10000km respectively, of which the first warranty is free, and the maintenance period after 10000km is 6000km. It is worth mentioning that, as mentioned above, the first owner of the third-generation Haval H6 can enjoy the lifetime warranty of the core components of the engine and gearbox, so in the case of normal maintenance, even if there is a problem with the powertrain in the later period, there will be no high maintenance cost.
Although the maintenance cycle of the third generation Haval H6 is 6000km after 10000km, which is relatively frequent, the maintenance cost is very close to the people. The small maintenance cost of the third generation Haval H6 replacing the oil filter is 533 yuan; Even if the oil filter, air conditioner filter, air filter, gasoline filter, brake oil, antifreeze and gearbox oil need to be replaced for 46000km, the cost of a major maintenance is only 1.665 yuan, less than 2,000 yuan. In the end, the routine maintenance cost of the first 64000km of the third-generation Haval is estimated to be 9652 yuan. According to the calculation of driving 20000km a year, the annual maintenance cost is 30 16 yuan.
In addition, due to the huge market, the maintenance of Haval H6 is very convenient. If you want to save money, you can complete maintenance in many auto repair shops.
The third-generation Haval H6 is equipped with a 1.5T engine, matched with a 7-speed dual-clutch gearbox, with a maximum power of 169 horsepower and a peak torque of 285 Nm. This engine adopts CVVL continuous variable valve lift technology and 350bar fuel injection system, so the fuel economy is high, and the comprehensive fuel consumption of the Ministry of Industry and Information Technology is 6.6L/ 100km.
As the third generation Haval H6 has just been listed, there is no actual fuel consumption data of the owner, so Xiao Zhi referred to the second generation Haval H6 with the same powertrain. Although the comprehensive fuel consumption of the Ministry of Industry and Information Technology of the two models is also 6.6L/ 100km, thanks to the lemon platform, the body weight of the third-generation Haval H6 is more than 100kg, so the actual fuel consumption should be lower than that of the second-generation models.
According to the actual fuel consumption information uploaded by online owners of Little Bear, the actual average fuel consumption of the second-generation Haval H6 owners with the same powertrain is 9.45L/ 100km, and Xiao Zhi estimates that the actual fuel consumption of the third-generation Haval H6 is about 9L/ 100km. Based on the calculation of driving 20,000 kilometers a year and the current unit price of 92 gasoline in Shanghai is 5.72 yuan/liter, the fuel cost of the third generation Haval H6 is estimated to be 10296 yuan.
Adding up fuel, insurance, maintenance and travel tax, the annual car maintenance cost of the third-generation Haval H6 reaches 19434 yuan. If it is shared equally every month, it will be 1620 yuan. Even if there are expenses for eating and playing in a month, it will be about 2,000 yuan here. As long as the monthly salary is 4,000 yuan, there will not be too much pressure to raise a third-generation Haval H6.
The above is the analysis of the cost of car purchase and car maintenance of the third generation Haval H6 in this issue of Money and Cars. Generally speaking, the third-generation Haval H6 is not only attractive in manufacturer's guide price, but also inexpensive in future car maintenance. No wonder it can become such a best-selling "national SUV". Finally, how do you view the car purchase and maintenance costs of the third-generation Haval H6?
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.