Today, with the continuous development of the used car market, used cars are gradually accepted by people, and the used car market is getting hotter and hotter. Buying used cars has also become the demand of many people, but it will also cause many problems. Among them, buying used cars often encounters the problem of loans. Today, I will talk to you about the routines in second-hand car loans.

Loan contract or lease contract?

The loan contract to steal the column has become a lease contract. The loan contract can prove the loan relationship between the consumer and the handling bank (auto consumption finance company), and the vehicle information can be released after the loan is repaid, but the financial leasing contract cannot. Only the lease relationship can be proved, that is, the lessor rents the goods to the lessee for use, and the lessee has the right to use the goods but no ownership in the process. In fact, financial leasing allows consumers to purchase by rent and pay by installments, but after payment, consumers often need to pay another fee before they can officially transfer their vehicles, or they can only return them.

If the other party gives a lease contract, remind everyone that it is best not to sign it. If you have signed a lease contract and want to get the full right to use the car, you have to sign a conditional contract again. After the loan is paid off, the other party will hand over the ownership of the car. If the other party still asks him to pay, and the financial lease contract is signed without his knowledge, then consumers can collect relevant evidence to prosecute.

Handling fee, gps fee, evaluation fee?

Now some auto financing companies are making second-hand car loans, which are characterized by hidden charges. Dr. Cha learned that, for example, there are loan fees, GPS fees, renewal deposits, evaluation fees and so on. And almost every fee costs thousands of dollars. These miscellaneous expenses add up to a lot.

However, some of these charges are several times higher than the usual price outside, and some are illegal charges. For example, renewal deposit is a compulsory transaction, which is set up to let consumers continue to buy insurance in our store. If consumers "get out of insurance", they can't get back the renewal deposit, and the insurance purchased in our store is more expensive than the insurance company outside, which is also the reason why many people "get out of insurance".

The loan amount changed from 6,543,800+to 6,543,800+2,000?

In fact, the routine of second-hand car mortgage loan is similar to that of new car loan, but because the second-hand car market is more immature and perfect than the process specification of new car loan, the thorny problem will be more serious. Often, when dealers help consumers with loans, they will also include some mortgage fees, service fees and other expenses in the total loan amount, so that the loan amount of car owners has changed from the original 65,438+million to 1.2 million, and the monthly payment has increased a lot.

Although the second-hand car loan is a good choice when buying a car, it is easy to be cheated if you are not careful. Dr. Cha suggested that you choose a reliable dealer, so that you can rest assured of the loan! Secondly, we should choose the right loan method according to our own needs.