1. First, we need to know the formula. Three years' money = monthly payment * month, that is, monthly payment 1696 yuan. In three years, you actually paid1696 * 3 *12 = 61056 yuan.

1, car installment refers to monthly installment payment by users. Installment payment is a hot spot in the current automobile market. In the current depressed market environment, installment payment is regarded by many businesses as an effective means to seize market share. There are various ways of installment payment in automobile industry, including three ways: bank consumption loan; Loan methods of finance companies of automobile manufacturers; Financial leasing is mainly operated by the brand "Kaiyuan Automobile" in the market.

2. Procedures for car purchase by stages: Anyone who buys a car in large amount or others must bring his/her ID card. This is also the case. They must carry their ID cards and household registration books. This must be the loan application form used by the buyer himself to apply for a loan. Whether this can be applied depends on the age of the car buyer. Some people are over 50 years old and their repayment ability is unqualified, so they will not be approved. 18 under 60. Real estate license, real estate license must be provided. As long as you can prove that you have real estate, when you can't afford it, you can pay off your debts through real estate auction. This is in case you can't afford it. There must also be a guarantor. When you can't pay it back, he will. Just like a bank loan, there must be a real estate guarantor. This can be guaranteed by someone else's real estate license. It's up to your employees now. Proof of repayment must have a stable source of income and provide your own running account for three to six months. Check your ability to buy a car Have the ability to stabilize income and repay loan principal and interest, and the monthly contribution shall not exceed 60% of the total disposable household. The repayment of loan principal and interest shall be guaranteed by a third party. Husband and wife shall not guarantee each other. The guarantor's ID card and household registration book must have two originals and two copies. During the loan period, the insurance company recognized by the bank must purchase motor vehicle consumption loan guarantee insurance at one time, and motor vehicle insurance must be purchased continuously. Other conditions stipulated by the bank.