Copy of marriage certificate, ID card, income certificate, bank account and property certificate of the car buyer; * * * The information of the undertaker (guarantor) is the same as above. With these things in the banking system, if there is no bad record, you can lend money quickly. The zero interest rate of factory finance and state-owned banks (China Agricultural Construction) is very attractive, but the threshold is also very high. General information is not easy to transmit. Even if it is passed, the amount of the loan is not necessarily the amount you want to borrow.
If it is not for financial reasons, it is easier for commercial banks to buy cars, but they do not enjoy zero interest rates. There must be a question of more or less benefit. It is the most cost-effective to say that it is paid in one lump sum. But for financial reasons, I don't think you need to mortgage. Bear with it, or consider other modes.