No, you have to negotiate the price with the 4S shop first, and then the payment method is that the bank directly gives the money to the 4S shop, and then the agreement between the bank and you will not affect the interests of the 4S shop. Generally speaking, the bank is not responsible for specifying the price of the car, so you should talk about it yourself and kill the car price in the 4S shop to the lowest. But not all car brands can get loans or installment payments. It's best to call the bank first and ask before deciding what car to buy. Personal car purchase project in China Merchants Bank, with a down payment of 30% in installments, and the final payment in 18 installments (18 months), with an interest rate of 0%, is quite cost-effective.
Second, can't you enjoy the car price discount now?
This problem specific to car dealers should not be affected, because when you borrow a car, you have to pay the corresponding handling fee and interest paid according to different terms, which is not directly related to the interests of the dealer.
Third, the latest policy for low-income families to buy cars?
1, low-income households can buy a car. According to the regulations, low-income households cannot borrow money to buy a car. Low-income households refer to families who have lost their labor force due to severe disability or illness of their family members and enjoy the minimum living allowance. Residents whose housing or income is significantly lower than the local minimum living standard. If you have the ability to borrow money to buy a car, you will not be called a low-income household.
2. Legal basis: Article 2 of the Regulations on Minimum Living Security for Urban Residents.
Non-agricultural registered permanent residence urban residents whose per capita income with their family members is lower than the minimum living standard of local urban residents have the right to obtain basic material assistance from the local people's government. The income mentioned in the preceding paragraph refers to all monetary income and income in kind of family members living together, including alimony, alimony or alimony that should be paid by legal dependents or dependents, excluding pensions and subsidies enjoyed by entitled groups in accordance with state regulations.
4. Is it necessary to guide the car price of the loan car?
The car price of the loan car does not need to be purchased according to the guide price, and the specific car price is determined by the two parties through negotiation. Generally, during the promotion period, you can get additional car price concessions by buying a car at a 4S shop and applying for a loan from the relevant auto financing company.
Some models will have additional subsidies, and the cost of car purchase can be cheaper than bank loans. The specific subsidy ratio depends on the mobile model. Every auto financing company has more or less preferential treatment for parent brand models. Before the vehicle is mortgaged, you can ask the 4S shop to provide a copy of the full set of information to avoid applying to the bank when necessary.
Extended data:
Conditions of the applicant for auto loan:
(1) The car buyer must be at least 18 years old and a citizen of China with full civil capacity.
(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.
(3) During the loan application period, the car buyer will deposit the car purchase down payment lower than that stipulated by the bank into the account of the bank savings counter.
(4) Providing banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.
(5) Car buyers are willing to accept other conditions deemed necessary by the bank.