According to the newly revised Measures for the Administration of Automobile Loans issued by the Central Bank in 2065438+2008+ 1, the highest proportion of self-use traditional power automobile loans is 80%, and the highest proportion of self-use new energy automobile loans is 85%, which means the minimum down payment is 15%~20%.
Due to the credit crunch, some banks have increased the down payment ratio of personal car loans from 20% to 30%~40%, and some banks even require 40%~50%, but some car dealers claim that they can achieve 20% or even lower through some financial companies.
Precautions:
You can just take things away without paying zero down payment. You just need to mortgage things on the seller's side according to the seller's requirements, and then fulfill the seller's promise to the buyer. When the seller promises to complete, the mortgage will be returned to the buyer, but the buyer must give the seller all the balance or what the seller wants.
Although there are many kinds of vehicles, their structures are similar. This should be said to be the credit of standardization and the need of large-scale production line. With the development of society, the progress of science and technology and the change of demand, the appearance of railway vehicles has also begun to change, especially the passenger cars are no longer the same old faces. However, their basic structure has not changed obviously, but the specific parts have more scientific and advanced structural design.
Generally speaking, the basic structure of a vehicle consists of five parts: body, underframe, running gear, coupler buffer device and braking device.
The car body is the part of the vehicle carrying goods or passengers, and it is also the basis for installing and connecting other parts of the vehicle. The bodies of early vehicles were mostly wooden structures, supplemented by steel plates and bow bars. Modern automobile body is mainly steel structure or light metal structure.