I suggest you buy a Sail hatchback or a New Le Cheng hatchback this year, which is an American car. High safety performance ~ minimum down payment of 20%. How much to pay depends on your own personal situation. If you buy a Chevrolet or Buick, you can get a financial loan from SAIC-GM and join their youth program. You can get a loan without real estate mortgage guarantee, and you can repay more than RMB 1 000 per month. Go to SAIC, GM, Finance, official website or Chevrolet, official website to find out. If you want to spend 60 thousand yuan on taxes, insurance and other expenses, it is recommended to buy a car from Great Wall or Changan Suzuki. The quality is not bad, and SAIC General Finance can also provide loans.
2. Can I buy a car invoice for a personal loan?
Personal loan to buy a car invoice can not be given to the company. Personal loans to buy a car and invoice the company are tax evasion. On the surface, it is to help enterprises to deduct taxes. In fact, enterprises and individuals are suspected of tax evasion, which is not good for car owners and enterprises. Private cars that have nothing to do with the operation and production of the enterprise cannot be invoiced in the name of the company, but belong to the enterprise in name, that is, the right to use and ownership are separated. In the event of a traffic accident, the driver can't solve it, and the affiliated enterprise must bear the corresponding joint liability.
How much can I borrow to buy a car at the age of 22
It depends on what kind of loan you are making, credit loan or mortgage loan. There are many loan products. Under normal circumstances, credit loans are limited to personal consumption such as car purchase, wedding, travel, marriage, decoration and medical treatment. For example, buying a house, financing investment, and illegal consumption stipulated by the state, this loan cannot be handled.
Personal credit loans are only suitable for personal small consumption loans, and the loan amount depends on your income and credit status. Under the condition of personal credit loan, the minimum loan can be 30 thousand yuan and the maximum loan can be 500 thousand yuan.
This will be decided by various audits. I suggest that if your personal loan conditions are good, you can go to the bank for a loan with low interest. If your personal loan conditions are difficult to pass the bank.
Fourth, if you buy a car, is it easy to get a loan? Is it troublesome?
Yes, it is very popular to buy a car with a loan now. The following are the advantages and disadvantages of buying a car with a loan:
Benefits of buying a car with a loan: the money saved can be used for other investments to get higher returns, and even earn back the "interest" paid for buying a car with a mortgage. At present, some car loans have been lowered by 5%~6%, and most zero-interest loans have now cancelled the household registration restrictions.
Disadvantages of buying a car with a loan: In recent years, the price of a car has dropped by about 65,438+00% every year. Loan to buy a car, two years later, the car price is upside down, but the car loan is "higher" than the market price. In addition, the audit of loan to buy a car is strict, which requires certain necessary conditions and makes people flinch. Bank car loan. As the mainstream loan method in China, banks have always been the first choice for most car buyers. The biggest advantage of handling car loans in banks is that the interest rate is relatively low. However, the official said that there is not enough manpower, and the bank's procedures for handling car loans are also the most complicated. The speed of the next payment is of course self-evident, and some extra expenses may be added.
Of course, if you choose real estate mortgage, the interest rate may be lower. Compared with the traditional unsecured car loan, it can reduce the monthly payment of car buyers.