Buying a car with a loan is generally easier to go to a 4s shop, and the interest rate may be favorable.

Second, is it better for individuals to buy a car as a bank loan or a 4s shop loan?

I think you can compare which is more cost-effective before you consider it. The important thing is which car you want to buy, no problem, because some car brands can get interest-free loans, which is also good, and many times you may not be able to get money from the bank, even if it costs you money, such as buying insurance or something.

Third, is it better to buy a car by yourself or by 4s shop? On the bright side.

Buying a car with a loan, like buying a house with a loan, has gradually become the mainstream consumption mode of everyone and is a kind of advanced consumption. But there are many channels for loans, such as buying a car. Is it better to buy a car by yourself or by 4s shop? It can achieve the purpose of buying a car with a loan, but the process and cost are different, which can be analyzed from the following two aspects.

First, there is no routine for buying a car with your own loan. The road to buying a car with your own loan is your own, and you don't have to take the loan routine of 4s shop. As we all know, 4s stores provide agency loan services, which are not free. They need to charge a certain loan service fee, such as the preliminary examination and inspection of the lender's application materials, the green approval channel with the cooperative lending institutions, the time of loan appointment and signing, assistance in vehicle registration and mortgage, and household registration. , at least a few thousand dollars. But if you go to the bank by yourself, you only need to repay the loan on schedule at the loan interest rate agreed in the contract. There are few routines and the loan interest rate is clear. Second, it is good to buy a car with a 4s shop loan, but the threshold is low. Go to the bank to apply for a loan yourself. It is often necessary to provide a lot of supporting materials, such as personal credit report, income certificate and bank card running water, mortgage guarantee certificate, local account or residence permit, etc. Once may not be enough, you need to run several times. The application procedure is relatively cumbersome, and the approval of the next payment is slow. As for the loan materials submitted by the 4s shop to buy a car, it can be informed in advance by the 4s shop, and it is much more convenient to prepare after it is clear. Some application materials can also be kept by the 4s store, such as local accounts. Because of long-term cooperation with lending institutions or because the 4s store has its own financial company, the application materials submitted by the 4s store can go through various green channels, with simple and convenient procedures, easier application and faster approval of the next payment. The above is about whether it is better to buy a car with your own loan or a 4s shop loan. Both have their own good aspects. As long as it meets your own needs, it is relatively better.