There are generally three mortgage ways to buy a car by loan, namely, auto financing company, intermediary guarantee and bank loan. Car buyers with loan intentions can choose the corresponding loan method according to their repayment ability. Among them, the requirements for bank loans are slightly higher, but some bank loan products do not need social security certificates.
Personal credit loans to buy a car can generally be borrowed for 5 years, with a down payment of more than 30%. Generally, a car can be mortgaged for up to 5 years with a down payment of more than 30%. The interest rate is mainly determined according to your loan type and your personal qualifications. Of course, the models are different, only the loan money is different, and everything else is similar.
If you don't have a personal mortgage and social security certificate, you can find a guarantor or guarantee company. Guarantee companies in different regions have different calculation methods of guarantee fees, and the fees charged by guarantee companies according to different models will be different.