1. Can the car be sold with a loan?

Yes. . . . . . . .

2. Can a car bought with a loan be sold?

A car bought with a loan can be sold, but the sale is not free while the loan is not paid off. Because the vehicle loan was mortgaged to the bank before the loan was settled, vehicles registered with mortgage cannot be freely bought and sold.

When buying or selling a vehicle with a loan, you can choose to buy or sell it after the loan is paid off, or you can directly ask the buyer to pay off the debt in advance, either way.

Currently, most car loans are in the form of retention of title. Until the consumer pays the full price of the car, title to the car is mortgaged and does not belong to the user. As a result, consumers are often deceived by car dealers who lack integrity.

Process:

First of all, the borrower needs to prepare ID card, residence permit, work permit, loan purpose certificate and other supporting materials, go to the bank to fill in an application form, fill out an contract.

Then, wait for the bank’s pre-loan qualification review and approval. If the borrower meets the loan conditions specified by the bank, the bank will notify the borrower to fill in some loan forms. If the borrower needs to apply for loan mortgage or guarantee, he also needs to sign a guarantee contract, mortgage contract and mortgage registration procedures; if the loan is unsecured, there is no need to sign such a contract.

Secondly, banks issue loans to borrowers. Generally, banks will issue loans within 2 to 3 weeks or 1 month after the approval is completed, and the loan can be issued as soon as one day.

Finally, the borrower pays the deposit to the car dealer and goes through the car pick-up procedures with the passbook and the car pick-up order issued by the bank.

In the process of applying for a personal car loan, the applicant needs a copy of the ID card, household register, marriage certificate, income certificate, bank statement, real estate certificate, etc.

3. Can the car be sold with a loan?

Hello! Your loan is enough for buying and selling, because your vehicle registration certificate is still mortgaged by the bank, and you have the absolute right to use the car. If you want to sell a car, you can negotiate with the car buyer to pay a certain percentage of the car payment for the remaining loan, and then you use the money to pay off the remaining loan, and then pay for the car.

4. If I buy a car with a loan, can I still negotiate the price?

You can bargain and buy cars several times with your friends and yourself. I feel like I have gained some experience in bargaining with car dealers. I would like to summarize and share it, which may be helpful to other friends. This method only works for 4S stores. If it is some weak dealers, you can get a very low quotation without cutting the price, but you may face a lot of extra expenses in the later period or even not be able to pick up the car, which can easily ruin your good mood.

The whole price bargaining process is roughly divided into eight steps. If you follow these steps, you should get the lowest price that can be given by sales in the same period. What's the lowest spread? If the car is not very expensive and is in short supply, you can save up to 3% more than others on the bare car model. With appropriate insurance and gifts, the final discount may reach 5% of the naked car model. Note that it is not 5 less than the guide price, but 5 less than other similar car prices. Generally, this discount may range from several thousand to ten thousand. If it is a million-dollar luxury car, there is always a discount of 50,000.

Step 1. After entering the store, the front desk will allocate sales. Although you have already chosen the style you like, this will make the sales feel sincere while not letting the sales feel that they like it. But the feeling of holding on is showing extreme hesitation. Sales usually start by introducing some car features and functions, and timely put forward the most contrasting features of competing models from other manufacturers. Let sales realize that I am comparing.

Step 2: After the introduction, show interest in sales and listen to the quotation. The salesperson will then take you to the seat and ask you how you feel about the car. You must sit down and talk, so that you can be sincere. At this time, he will make the first quotation based on your urgency. This quotation is a price that can be quoted to you quickly when you go to any car dealer. Maybe this price is much lower than the official guide price, which sounds very tempting. If you don't show any expressions of joy or surprise at this time, there is actually nothing to be surprised about, far from it.

After listening to the quotation, tell the salesperson that the first quotation in which store was 2,000 yuan lower than here. You have to do your homework in advance and name the store by name. Because each store has different strengths, the prices vary greatly. Even if the salesperson knows the price, he or she can't say anything. I have to say good things, for example, how can such a big store do things so delicately and quietly? Well, that's not a nice thing to say.

Step three is to further reduce the price significantly on this basis. After the sales quotation for the first time, the average customer will not put forward too many requirements, but if you say that the intensity is too low at this time, the sales force will definitely feel that you are more difficult and start to re-evaluate your combat effectiveness. The thin-skinned friend will start to feel embarrassed at this time. In fact, when you really make a very outrageous price request, as a good salesperson, he will respect you in his heart. The harder he cuts at this stage, one understanding is that The more sincere you are, the range is 2. At this time, the salesperson will say it is impossible, and tell him that the transaction price he signed this morning is the transaction price, which is already the policy bottom. At this time, you tell the salesperson that I like your style and show respect first.

There is a premise here, that is, when boys buy a car, they should not go to a female salesperson. They must ask for a male salesperson after entering the car. Personally, I feel that it is difficult to negotiate prices with a female salesperson. When the negotiation reaches a deadlock, the female salesperson will sometimes really break down. She will say anything in a hurry, hurt you a few words, and make it so embarrassing that it is difficult to continue the negotiation. The purpose of the negotiation is to close a deal! Tell the salesperson to ask his leader for instructions. If the salesperson has the authority to reduce the price by 5,000 at that time, his supervisor has the authority to reduce the price to 8,000. The amount varies depending on the value of the car, so it is a relative value. At this time, the sales will definitely go out, don’t worry!

Step 4: The salesperson will go out, whether he really goes to see the leader or pretends to go out to drink a glass of water. When he comes back, he will first express that your request is too embarrassing for him, but... Pay attention to this, but the leader relented, so he gave an extra discount. This round is very important, and the price dropped by 1 again. After hearing this quotation, you can no longer simply cut the price. If you cut the price again, people will be anxious, and you can't do it again and again. I told the salesperson that I was not very satisfied with the price. Although you may feel in your heart that the price is good, the money you spend in vain is yours, so you have to go against your conscience at this time. Don’t be embarrassed, the buyer is never as smart as the seller. Only the seller knows what the real cost is.

Step 5: Now start asking sales if they have anything to give. When the salesperson gives you something as a gift, the customer basically agrees to a large frame, and will happily tell you to send mats or glaze. I usually ask for mats and glaze at this time, and the salesman will usually agree to this request happily. Many of the items delivered with the car are from the auxiliary factory. Some top brands such as BMW and Mercedes-Benz only send items from the original factory, which is more cost-effective. The floor mats and sealing glaze also cost between 2,000-5,000. The discounts on the gifts are very fictitious. Something worth a few hundred dollars will cost thousands to the salesperson, but it doesn't matter, it's not over yet.

Step 6: Make him nervous again at this time, tell him in an exaggerated tone that the intensity is too small, and tell him that this is a gift that the store will give to any store without asking. , and the water content is too high. The salesperson will feel sad at this time. He gave away all the gifts. Why is he still not satisfied? He will say that there can be no more gifts. At this time, I was tense and had to do a funny thing, but it was very effective. He just sat there looking at one place and started not talking. Every time this happens, I actually feel very happy when I sit there. At this time, you already know your bottom line, and sales start to get nervous.

Be sure to wait until the salesperson speaks first. At this time, whoever speaks first will lose the momentum. In this process, you can play with your hands, drink water, shake your legs, whatever you want is fine, as long as you don't speak or look at him. Don't worry! No salesperson would tolerate a customer not speaking for more than three minutes. The salesperson will say, okay, do you want to apply the film? Just waiting for this sentence, I asked him how to apply the film. The film is too watery, and it may be at least half or more cheaper to apply it outside than at a 4S store, but it will waste time and experience when going out, and the 4S store does apply the goods with fidelity and good results.

The salesperson will offer you a 20% discount, and immediately express strong objection, telling him that the film is only worth a fraction of the price. The salesperson's expression at this time is that you are crazy and you are going to break their store's rules.

Don’t worry, insist on telling him that this film is just not worth it. Pick the most expensive film and tell him you want it at 20% off. The salesperson will definitely not be in a hurry with you at this point, because they have been talking for so long. It would be a pity if he gave up because of this watery decoration. Asking him to ask the leader of the decoration department for instructions would actually be a step down.

Step 7: The salesperson will go out and ask for instructions again at this time. When he comes back, he will tell you a price that cannot be lower, such as a 30% discount on the film. This price is the same as before, and it cannot be cut any more. People are anxious. Tell him that he is quite satisfied, and then ask him to give him a diamond card for maintenance hours. The name is different. It is not a regular gold card, but a diamond card. You can get a lot of discounts on the maintenance hours of this card. Many stores only issue a few dozen cards a year, and they are prepared for big customers or difficult customers. At this time, it is not considered a cost, and he should agree to it.

Step 8: At this time, the price is no longer a big problem, and all the discounts that should be given are given as much as possible. Then use other methods to reduce the cost of car purchase, such as requesting lower invoices. Decorate or find an excuse to ask the store to break down the price and issue a low invoice, so that various taxes and future insurance will be reduced. Long-term benefits, if you save too many ant legs, it will be a dish!

The insurance didn't listen to them. Except for the three and a few main insurances and the non-deductibles that must be covered (the store is very tough on full insurance for new cars), other messy things were not covered, including scratches. , glass, self-ignition, don't do it. If there are really scratches, as long as they are not serious, it needs to be re-sprayed the next year, and the two-year-old repairs will be done at once. What's more, if a new car spontaneously ignites, if you go out for these small and high value-added insurances, the insurance you get is only 60% of the full insurance. If the price of a bare car is high, it will be at least a few thousand to ten thousand. Logically speaking, insurance does not necessarily have to be on 4S. If it is purchased outside, the discount will definitely be higher. Most of the ones I saw were compulsory. New cars in the store were usually 10% off, and insurance was never much lower.

After completing these eight steps, the price should be more cost-effective. He will not argue with you in the last two steps of the sale. He can no longer afford to waste time. You have to be thick-skinned. I have seen an uncle wait until work after get off work just to ask for something to be delivered, but he couldn't get rid of it. There was nothing you could do about him, it was annoying and funny, so the store had to give in. It’s not that this uncle has no money, but the richer he is, the more he realizes that it’s not easy or precarious to make money.

Don’t dress too casually when you go to see the car. You were a bit casual when you went to see the car a few days ago. There are still many spots on the shoes corroded by chemicals. I wore baggy sweatpants and a fleece jacket. As a result, the salesperson didn't want to talk to me. Later, I got angry and dressed like a white-collar worker, and I was taken seriously by the salesperson again. So if you dress too sloppily, you will be considered as having no purchasing power and sincerity, haha. You have to treat ordinary people as they like, right?

I would like to emphasize again that if it is a hot-selling model, for example, if it is sold at a higher price just after it has been launched, this strategy will not work. For example, when Tiguan or Q5 are just launched, there is no negotiation for adding 50,000 to high-end models. Ordinary models usually go through these steps, and the price will definitely be much lower than others. Some will reach 5 points, or at least 5,000. An iPhone can be saved. After typing so many words, I hope it will be helpful to friends who are not familiar with the process of bargaining for a car.