It is more reliable to buy a car by stages in car home.
1. At present, many people know little or nothing about car loans, and it is difficult to sort out all kinds of complicated fees to be paid for mortgage loans. Therefore, the charging procedure of mortgage loan has become a "roadblock" of mortgage loan, which has seriously affected the enthusiasm of customers for handling automobile mortgage.
2. It has become the heart disease of auto mortgage customers. It is understood that the current car loan processing methods mainly include bank loans, credit card installment and auto finance company loans. The bank loan business has existed for the longest time, but it gradually withdrew from the auto credit market due to the long approval period and strict conditions, and then credit card installment car purchase and auto finance companies rose.
3. The installment interest rate of credit cards is relatively low, but there are higher requirements for the credit limit and use time of cardholders; The interest rate of auto financing companies is relatively high, which has the advantages of low application conditions and fast approval speed, and there are preferential schemes for specific models.
Is it a pit to buy a car with a loan?
The pits for buying a car with a loan are:
1. Attract customers under the banner of "zero down payment" and "zero interest", but charge various service fees and handling fees afterwards.
2, bundling consumption, forcing customers to buy insurance, licensing, decoration in the store, and then charging a large fee.
3. The customer gave a lot of verbal promises when he bought a car with a loan, but there was no clear agreement in the contract terms, and even unreasonable terms were set in terms of interest, monthly payment and repayment period.
4. When the car can be picked up after the loan is completed, the car dealer is overdue, and the customer must pay a certain fare on the original car to pick up the car.
5. Sign a financing lease contract with the customer without the customer's knowledge, instead of a loan contract, so it is actually not a loan relationship, but a lease relationship, and there is no clear agreement in the contract to transfer the ownership of the car when it expires, but the customer needs to pay again.
6. Deceive the customer to sign a blank contract first, and wait until the customer finishes the car loan, only to find that the loan amount in the credit contract is different from the previous commitment.
7. Some car dealers obviously don't have credit qualifications, but don't tell their customers, and then take their customers to the dealers with credit qualifications to go through the loan car purchase procedures and earn the difference.
8. The car was mortgaged by the dealer for the second time, which led to fraudulent loans.
9. When signing the contract, the deposit was agreed, which caused the customer who returned the car later not to get the money back (only the deposit can be refunded).
Is car loan reliable?
At present, our financial services are mainly vehicle mortgage and financial leasing, which are managed by third-party payment. It is a relatively reliable auto finance platform with 100% real creditor's rights.
There are many good car loan platforms on the market. Choosing a reliable platform can be based on the following points:
1. Don't blindly pursue the highest return. The average yield of ordinary platforms is between 8%- 15%. Don't blindly pursue super-high returns regardless of the safety of funds. A good investment should be based on safety. What if the funds are not safe?
2. Whether the platform risk control system strictly controls risks is the core of the financial industry, as is p2p car loans. Risk control is related to whether the platform is safe and reliable, whether the investor's capital principal and interest are safe, and whether the platform team has relevant experience. On a safe platform, you can invest with more peace of mind.
Walk around. Choose the platform that suits you. At present, there are many car loan platforms on the market with uneven quality, which are all chosen by investors. A good platform can not only ensure the safety of your funds, but also bring you stable income.
Is car loan reliable?
At present, our financial services are mainly vehicle mortgage and financial leasing, which are managed by third-party payment. It is a relatively reliable auto finance platform with 100% real creditor's rights.
There are many good car loan platforms on the market. Choosing a reliable platform can be based on the following points:
1. Don't blindly pursue the highest return. The average yield of ordinary platforms is between 8%- 15%. Don't blindly pursue super-high returns regardless of the safety of funds. A good investment should be based on safety. What if the funds are not safe?
2. Whether the platform risk control system strictly controls risks is the core of the financial industry, as is p2p car loans. Risk control is related to whether the platform is safe and reliable, whether the investor's capital principal and interest are safe, and whether the platform team has relevant experience. On a safe platform, you can invest with more peace of mind.
Walk around. Choose the platform that suits you. At present, there are many car loan platforms on the market with uneven quality, which are all chosen by investors. A good platform can not only ensure the safety of your funds, but also bring you stable income.