Shanghai brand can be divided into 1 to 3 years. You can apply now, or the contract borrower can apply to the loan bank for a personal automobile mortgage, sign a contract after investigation and consent, and handle the notarization of the car. If there is no personal property right in local commercial housing, loans to buy a car are basically applied directly to the bank, and the interest rate of buying a license plate with consumer credit is not low. Generally speaking, any car will be docked by staff.

Shanghai brand has the highest cost performance in several issues.

Let's take the current average license plate price of more than 90,000 yuan as an example. Assuming that the installment payment is 6 months and the first service fee is 243 yuan, the installment interest rate is 1.62%, and the monthly repayment is 1.5 million yuan, and the total service fee is * * * 1455 yuan. Suppose that the payment is made in installments for 48 months, and the rate is 9.72%, each installment.

Therefore, whether installment payment is cost-effective depends on the different contents of the package. For car owners who can pay 1.5 million in a month, it is definitely cost-effective to pay by installments for half a year. But for car owners with poor economic strength and long installment period, installment payment will lose money, and the final cost will far exceed the market trend price.

In fact, no matter what you choose, you don't have to choose installment payment as much as possible when the cost budget is sufficient. Buying a house in full can filter out all the risks faced by installment payment. If you really need to repay by installments, then you must choose a reliable financial institution to apply, and carefully grasp the relevant points to prevent being cheated to the greatest extent.