2. Monthly payment = (principal+interest) ÷ months, total interest = principal * annual interest rate * term, interest = 50,000 * 4.5% * 2 = 4,500 yuan.
3. When preparing the loan, you should prepare the income certificate (if you are married, you need the income certificate of both husband and wife), the household registration book, and the ID card (if you are married, you should prepare two copies). In some places, you need a copy of the property to prove that you have a fixed residence in the local area.
It will be easier to get a loan if you can provide a business license or something to prove your economic strength. In addition to interest, the 4S shop will also charge a handling fee of 1000-2000 yuan. If the loan is difficult, the 4S shop will also suggest looking for a guarantee company to guarantee (otherwise it will not be able to lend). Taking 60,000 yuan as an example, the cost of the guarantee company is around 3,000 yuan.
Extended data
First of all, the lender needs to prepare ID card, residence certificate, work certificate, loan use certificate and other supporting materials, go to a bank, fill out an application form and fill out a contract.
Then, wait for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures; If the loan is unsecured, there is no need to sign such a contract.
Secondly, banks issue loans to lenders. Generally, banks will lend money within 2 to 3 weeks or 1 month after the approval is completed, and the loan can be released within 1 day at the earliest.
Finally, the borrower will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and the car pick-up note issued by the bank.
In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and so on.
Baidu encyclopedia: car loan