If you want to buy a car in the bank, do you want to go directly to the bank or to the 4s shop?
Loans are all the same to me, but it is easier to go to 4s stores, which all have cooperative relations with loan companies. They don't need much time to deal with it simply. If they go to the bank for loans themselves, it may take a lot of time to go to the bank for the first time.
Want to borrow money to buy a car, go directly to the 4S shop or go directly to the bank?
If China Merchants Bank handles loans, the application process of one-card car loan:
① If you take a fancy to the car you need to buy through the car dealer and have cooperation with China Merchants Bank, you can apply for a car loan directly at our station;
② If there is no cooperation, you can try to contact the personal loan department of the local China Merchants Bank directly and file your loan application. The handling bank will check your comprehensive situation and determine whether it can be handled.
Do you want to buy a car by installment in a 4s shop or get a direct loan from a bank?
The people in the 4s shop will help you with the loan, but in the end it belongs to the bank loan. 4S stores just help you get smooth and fast loans.
China Merchants Bank borrowed money to buy a car. Before picking up the car, should the bank call the 4s shop directly or use the bank card to brush it at the 4s shop?
Here's the thing. I'll call you with your business card. You can only pick up the car when you go to the store to brush it. You can't pick up the car and leave. You are swiping money.
Is it cost-effective to buy a car directly from a 4s shop or directly from a bank?
May be cost-effective. Their marketing methods and purposes are different. This can only be known after calculation according to specific terms. You sell it to the sales staff of car dealers and ask them to help you calculate who has the lowest total cost and who has the highest cost performance.
Which bank has low installment fee for buying a car? Or is it more cost-effective to apply for a car loan directly in a 4S shop?
I made a comparison when I bought a car. I think it is more appropriate for ICBC to do it in stages within two years. If it is divided into three years, ABC is more suitable.
Those in the 4S shop are very expensive
Does the loan from the auto bank go directly to the 4s shop?
Yes, but when you apply for a loan, you don't have to go to a 4S store. The procedure is relatively high. You can ask other institutions to see if there are any suggestions for low interest rates. You can ask Shanghai Hengsong for a commercial loan.
Is it better for individuals to borrow money from banks or 4s shops to buy cars?
Personally, I think it is safer to go to the bank for a loan to buy a car. Some people have to pay a lot of fees when they go to a car company to buy a car, which varies from person to person.
If the bank handles the loan, it only needs to provide the second-generation ID card, work certificate, income certificate, residence certificate and car purchase contract. The threshold is low, the loan is fast, the application is convenient and fast, there is no mortgage or guarantee, and credit is the best loan guarantee.
Specific comparison:
1. Compared with the procedures, banks have strict requirements on the proof of applicants' income, collateral and other assets, while 4S stores do not need accounts, which reflects the rigor and authenticity of auto loans.
2. Comparison of approval process: the bank approves quickly, and the funds arrive within 3 days. 4S stores must apply through banks or financial institutions to get approval.
3. It is simple and convenient for banks to handle car loan procedures, and only need to provide the second-generation ID card, work certificate, income certificate, residence certificate and car purchase contract. If you can't provide a car purchase contract for the time being, you can also sign a "loan purpose commitment letter" stating that the loan will be used to buy a car.
If you want to borrow money to buy a car, is it cheaper to apply for a loan directly at a 4s shop or to contact the bank for a loan yourself? The question is whether I should find a bank myself or go to a 4s shop.
Convenience is the convenience of direct 4S shop!
If it's cheap, in fact, if the 4S store doesn't charge other fees, it's actually the same as a bank.
If he wants to charge any handling fee in advance, it will be an extra fee!
Ask the 4s shop first! You can get a loan for free. If you ask the customer service hotline for the establishment of diplomatic relations between China, agriculture, industry and commerce, it is generally open!
Is it better to borrow money from a bank or a 4s shop to buy a car?
I think you can compare which is more cost-effective and then consider it. The important thing is which car you really want to buy, otherwise you can forget about it, because some car brands can provide interest-free loans, which is also good, and many times you may not be able to get a loan from the bank. Even if you get a loan, you will incur other expenses, such as letting you buy insurance.
Is the car loan in the 4s shop or in the bank?
Both will do. You only need to provide the second-generation ID card, work certificate, income certificate, residence certificate and car purchase contract to apply for a car loan in the bank. Its loan interest rate is also relatively low, and there will be no additional procedures. 4s shop loan, without guarantee and account, has a much lower threshold and relatively simple procedures than banks, but its loan interest will be much higher.
Extended data:
Loan means that banks, credit cooperatives and other institutions lend funds to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it should examine whether the borrower is established according to law, whether it has the qualifications and qualifications to engage in related business, and check the business license and qualification certificate, and pay attention to whether the relevant certificate has passed the annual inspection or related verification.
Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Review whether there is any obvious withdrawal of registered capital; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment, etc. are illegal and illegal that may affect the repayment.
Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Review whether there is any obvious withdrawal of registered capital; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment, etc. are illegal and illegal that may affect the repayment.
In order to reduce the moral hazard of the lender, the borrower and its responsible person should also be specially examined. When issuing loans, financial institutions should not only examine the qualifications, conditions and operating conditions of borrowers, but also strengthen the examination and control of the personal qualities of investors, legal representatives and key management personnel of enterprises.
Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use funds, which is the use price of funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator. In civil law, interest is the legal fruit of principal.
If you want to borrow money to buy a car, do you go to the 4S store or the bank to apply for a loan first?
To buy a car with a loan, you need to go to a shop in 4S first, and then go to the bank to go through the formalities.
Supplementary explanation:
The specific operation process is as follows:
Go to the 4S shop to see the car first, and then decide which car to buy.
After that, the salesman will give you a form. At this time, you need to go to the bank to print the corresponding daily statement.
Fill in the form and submit it to the bank for approval together with the running account, work permit and ID card copy paper, waiting for the loan to be decentralized.
Then pay the down payment, pick up the car and pay the monthly payment.
Monthly payment:
Monthly mortgage refers to the monthly repayment amount that the lender should pay to the lending bank during the repayment period when purchasing commercial houses and motor vehicles through bank mortgage, including principal and corresponding interest.