1. Bank loan.
Advantages: Bank car loans have no restrictions on models. Theoretically, the repayment time can be flexibly selected between 2-5 years, which is especially suitable for high-quality or high-end customers and easy to operate.
Disadvantages: From the perspective of credit development, automobile consumption loans first started from banks. However, at present, banks are facing the pressure of tightening credit scale, consumer loans such as car loans have shrunk sharply, and some middle and low-grade car loans have been temporarily closed. Therefore, this is also a difficult way to operate in several major car loan channels. In addition, the approval is troublesome, the loan period is long, and most of them need real estate pledge, so it is difficult for individual users to handle car loan business.
The second is financial loans.
Advantages: The convenience of auto financing company's loan is not only reflected in the direct application through 4S stores, but also does not require too many hard conditions such as household registration and real estate, which is one of the most obvious advantages of auto financing companies compared with banks and car loans. This kind of automobile financing is usually flexible, and different stages can be taken to meet the needs of customers. It is generally not easy to apply for a three-year repayment of a credit card car loan, while it is relatively easy for an auto financing company to apply for a longer repayment period, generally around three years, which reduces the pressure on car owners to some extent.
Disadvantages: auto financing company loans basically only provide designated models of this brand and related brands. Compared with credit card installment car purchase, its loan period is relatively long. Not only that, its car loan interest is higher than that of bank loans in the same period, and the approval is relatively strict. At the same time, there are still many hitchhiking fees, which have not yet entered a benign promotion model. People who fail to approve bank loans can consider this method.
There is also a common loan method: credit card loan.
Advantages: The most obvious advantages of credit card car loan are fast approval and relatively simple procedures. Consumers who use credit card loans to buy a car only need to use a credit card with a good credit record within the validity period, and then apply to the card bank for car purchase by stages after providing their ID cards. Even if you don't have a credit card, you can go to the car dealer to buy a credit card, which can be completed in 3-7 working days.
Disadvantages: it is necessary to specify the cooperative brand and model, which has certain restrictions on the applicant; The longest installment is 36 (3 years), and the actual operation is controlled at 12-24, paying more attention to the credit of cardholders or applicants. If your credit information is not very good, don't choose this method.
Do you know BMW's auto financing loan plan?
The general down payment is about 30%. According to this calculation, you buy a car with a down payment of 30%. It is estimated that the down payment on the road should be half of the naked car you bought. For example, a car with a price of 200,000 yuan has a down payment of 30%. If you walk on the road, the rest is about 654.38+ 10,000. You can still hope to adopt by the month!
This is BMW's financial loan plan, with a down payment of about 70,000 yuan and a monthly payment of 2,000 yuan. But at the end of each year, you have to pay back a part of it in one lump sum, and the interest this season is about 50 thousand.
Let me tell you something.
Won't you pay the deposit?
Excuse me, I want to buy a car with a BMW financial loan, but I have just arrived in a new company.
It takes six months.
What city are you in?
What city are you in?
Do I need a mortgage title certificate to buy a car with a BMW financial loan?
Yes, the large amount of money for buying a car by installment and the property right of the car were given to the lender, because you didn't buy the car in full.
Before paying off all the loans, you can go to the institution that gave you the loan to find out about the mortgage. At this time, the property right of waiting is your own.
Can BMW really get a loan without buying a car?
Hello, this is not true! The value of BMW Finance is to sell more cars! You can't get a loan without buying a car! Hope to adopt
I want to buy a 5 Series BMW recently. I'll go to the 4S shop and ask. If I get a loan to buy a car, I will get a discount from BMW Finance. How much does it cost to pay in full?
Friend, you need a car loan to buy Series 5. Have you calculated the annual maintenance cost? It's still quite difficult.
Million car purchase subsidy