General process of mg3 loan: 1. According to the car selection, determine one or two target models, and understand the mortgage steps with the salesman; 2. Learn about the procedures and steps of mortgage car purchase from the bank, recommend the credit card that young people like to choose to buy a car, and do a good job in the services of China Merchants Bank and China Construction Bank. Generally, there will be no cold reception; 3, determine the model, compare the conditions given by the store and the bank, and choose the one that suits you. 4. Sign a car purchase contract, pay down payment, mortgage, mortgage and insurance. Generally speaking, the total loan amount does not exceed 60% of the car price, and does not exceed 654.38+0.5 million. According to your situation, just borrow half. The loan term is generally one year 12, or 24 installments every two years, the latter should be more suitable for you. If the car price is 65,438+10,000 yuan, the loan is 50,000 yuan, and the 24 th installment is 50,000 yuan, which is more than 2,000 yuan a month, and there is no interest. Ensure that repayment of loans will not affect normal life. In addition, there will be many gimmicks in the store as collateral, such as interest-free, insurance, wool on the sheep, and many additional conditions. Do your homework before you start!