There is a difference. If you buy a car in full, you will get insurance and commission for licensing, and the commission for selling ordinary brand cars is 200-300 yuan. If you want to buy a car by installment, insurance and licensing fees will earn your commission, as well as loans and agency fees.

Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers.

Loan buyers must also meet the following conditions:

(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 are easy to realize 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 must deposit no less than the down payment for car purchase specified by the bank in the bank savings counter account.

(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.