1. Determine the car purchase budget and loan amount: Before buying a car, you need to determine your own car purchase budget, including car payment, purchase tax and insurance premium. If you need a loan to buy a car, you need to know your loan amount, and determine the optional models and price range according to the loan amount.
2. Choosing financial institutions: according to your own needs and conditions, choose financial institutions that are suitable for you to apply for loans. You can choose the most suitable financial institution by comparing the interest rates, repayment methods and loan term of different institutions.
3. Loan application and approval: submit the loan application to the selected financial institution, and provide the required personal identification, income certificate, credit report and other materials. Financial institutions will conduct review and evaluation to confirm the applicant's qualification and repayment ability. After approval, sign a loan contract.
4. down payment for car purchase: according to the requirements of the loan contract, pay the down payment and complete the car purchase procedures. Car purchase procedures include car selection, signing a car purchase contract, handling vehicle transfer and insurance.
5. Loan repayment: according to the loan contract, repay the loan on time. You can choose to repay monthly or quarterly to ensure timely and full repayment.
Generally speaking, buying a car by mortgage needs to determine the budget and loan amount, choose a financial institution, submit a loan application and approve it, pay a down payment to buy a car, and repay it on time. thank you
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