Outside the loan, it is not very important, because the loan is directly linked to money, and you only need to know a little about the rest. Such as engine, defects, advantages, etc. Car, and bank loans are more formal and safer than other financial companies. So pay attention to the loan funds when buying a car.
Compulsory insurance and commercial insurance must be bought, and some banks require insurance against theft and emergency in the first year (because vehicles are mortgaged in loan banks, banks should also ensure the theft and emergency of vehicles). It is recommended that the insurance that can be obtained in the first year be given to the vehicle as much as possible. Of course, according to the local conditions (such as rainy people and low-lying areas), you can consider buying a water insurance. ).
If the loan is given to the bank, you can ignore the 4S. Three years' insurance premium is certainly unreasonable. You can pay a certain deposit at most, and then the deposit can be used for the next year's insurance premium. If you need to pay the insurance premium for three years, you can ignore them, or you can directly tell them to buy it elsewhere, or whether you can reduce the payment.
Buying a car still needs grinding, especially when there is plenty of time. Many times, when there are activities or holidays, 4S stores will offer great discounts. Then talk about one activity before going to the next, which will definitely save a lot of money. It is also necessary to have a good relationship with 4S sales, and sometimes it can be said that the price is reasonable and the deposit is paid.
Extended data:
There are many things to pay attention to when buying a car with a loan, especially the problem of loan funds, because many people choose more ways. There are commercial banks, five major banks, finance companies and so on. Because each loan channel is different, the specific interest rate is different, so you can choose the one that suits you, or you can choose the cheaper one in relative calculation, but the five major banks are more reassuring.
Then there is repayment. Buying a car with a loan is equal to repaying the loan. If it is overdue, there will not only be additional expenses, but also a long time span will have an impact on your credit information. Therefore, you must pay off the car loan before the repayment time. As for insurance, it was completed in the first year. The veteran is fine, and the novice can't guarantee anything.
References:
The loan to buy a car trap teaches you five tricks to beware of being deceived-rule of law-People's Network