Excuse me, if you buy a car with a loan, can you pay the down payment with a credit card and borrow the rest? Excuse me, if you buy a car with a loan, can you pay the down payment with a credit card and borrow the rest? Yes, as long as the credit card limit is sufficient, but then your own pressure will be great and your health will not be affected. That's ok, but you have to pay more every month in the future. This is possible. Credit cards have nothing to do with installment loans. There is no provision for the payment method of car down payment, but due to the credit card handling fee, 4S stores only accept one credit card. Of course, this is possible. Your credit card is like a credit card limit. You can use it as the limit of your payment, which does not affect it. Of course, it is absolutely possible not to affect the loan, and it is absolutely possible not to affect the loan. Not a financial institution, no problem @20 19.
Can I still get a loan for the car I bought with a loan?
Whether the car bought by loan can be loaned depends on the situation. The following is the introduction: 1. In principle, you can't borrow money: first of all, the car bought by loan can't be used to borrow money from the bank in principle before the loan is paid off. 2. Real demand for loans: Under normal circumstances, if a second loan is needed, you need to find a loan company other than a bank, which is a third-party financial institution. It is understood that there are many factors that determine whether an individual can still apply for a car loan, including: the applicant's credit record. How does a person's credit record determine whether he can apply for a car loan? If he has a good credit record, he can apply for a car loan, but he can't. The repayment ability of the applicant. Whether the applicant can apply for a car loan again depends on the repayment ability of the applicant when the loan has not been paid off. If the applicant does not have enough repayment ability, he cannot apply for a car loan.
Can I still borrow money to buy a car after I have already borrowed it?
You can apply for a loan to buy a car Previous loans will be counted as debts. If the debt is too high, the bank will refuse the loan.
Automobile loan application materials:
1, the original ID card, residence booklet or other valid proof of residence, and provide its copy;
2. Proof of occupation and economic income;
3 car purchase agreement, contract or letter of intent signed with the dealer;
4. Other materials required by banks or lending institutions.
Precautions for buying a car:
First of all, check the appearance of the vehicle, and observe whether there are obvious paint injuries on the body, so as to ensure that there are no scratches in these places, and there are no pits and dents on the body. Check whether the joints of various parts of the car body are uniform, and switch the doors, covers and trunk several times. Check the operation of the mechanism and observe whether there are cracks in the glass, headlights and plastic parts. Check the tire to see whether the tire tread is worn and whether the burr on the tire is complete. If you are not at ease, you can compare it with other new tires.
Secondly, if there is no problem with the appearance of the vehicle, it is necessary to prepare for the car purchase procedure. If it is a full car purchase, the 4S shop will provide the car owner with the car purchase invoice, vehicle certificate, three-guarantee manual, instruction manual and two car keys (some cars will give three car keys) after payment. After buying a car, the procedures must be complete, especially the vouchers. If the procedures are not complete, it is impossible to license the vehicle.
Third, you must buy auto insurance as soon as possible after buying a car, including compulsory insurance (including vehicle and vessel use tax). Commercial insurance. Although commercial insurance is not compulsory, it is recommended to buy third-party liability insurance and car damage insurance at the same time. It is recommended to purchase third party liability insurance at least 6,543,800+0,000. After buying insurance, you need to apply for a temporary license, so you can drive to the vehicle management office to get the license.
Fourth, to get the license plate, you need to drive to the vehicle management office, and you need to check the vehicle appearance, lighting, frame number, engine number, vehicle exhaust and other items.
I bought a car with a loan. Can I get a loan to buy another car?
If an individual has enough repayment ability, he can borrow money for many times to buy a car, which does not affect it. However, when handling car loan business, banks will consider whether individuals have sufficient repayment ability. If the individual owes too much, it will affect the review of personal car loans.
Loan car application process:
1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;
2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;
3. issue loans. After all the formalities are completed, the loan approved by the bank will be directly transferred to the car dealer account by the bank according to the contract;
4. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;
5. loan settlement. Loan settlement includes normal settlement and early settlement.
① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);
② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved.
After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.
Extended data
Problems needing attention in buying a car with a loan
1, hidden costs need to be known in advance: generally, this situation is easy to happen in secondary dealers. In fact, as long as consumers book a car, they should ask whether there are other hidden costs, such as new car inspection fees and delivery fees. And also pay attention to whether the loan contract is provided by the bank, so it is troublesome to use the hands-free car.
2. The loan amount should be clear: generally speaking, with personal credit or joint liability guarantee, the maximum loan can be 200,000 yuan; Apply for mortgage with the purchased vehicle or real estate, and the loanable amount is 70%; If a third party applies for secured loans (except banks and insurance companies), the loanable amount is 60%.
3. Repayment methods should be understood: Banks generally provide users who apply for personal car loans with two repayment methods: equal principal and interest and average capital. Among them, the total interest paid by equal principal and interest is relatively large, but the repayment amount in each period is the same, and the repayment pressure is relatively balanced; The repayment amount of each period in the average capital is gradually decreasing. Although the total amount of interest expenditure is less than the equal amount of principal and interest, the amount of repayment in the early stage is large, so think twice about whether it can bear it.