1. Bring your personal data.
If there is a salesperson's phone number, you'd better contact the information you need to bring before you go, such as personal ID card, (household registration book), marriage certificate and personal income certificate. If the vehicle applied by the borrower is for family use, the identity information of the spouse is also required. If you forget to bring it, it will be very delayed.
2. Ask the fee in advance
Whether you buy a car in full in advance or borrow money from a 4s shop, costs are inevitably involved. Be sure to ask in advance which projects need to be paid at your own expense and how much it costs, and record them if necessary. What is agreed in advance when signing a contract should be recorded in the contract to avoid making false statements.
As for the handling fee, it is not allowed to collect the relevant handling fee according to the facts. This kind of behavior is recognized by dealers themselves to make up for some expenses incurred in handling loans.
3. Repayment method
Generally speaking, there are two repayment methods: equal principal and interest and average capital. Matching the principal and interest to repay the same principal in each installment, the interest will be more, and the repayment pressure will be relatively reduced; The repayment amount of each period in the average capital gradually decreases, and the interest expense is less than the equal interest, but the repayment pressure in the early stage is greater.
4. Timely repayment
Both bank loans and consumer finance loans will receive credit information. If you are unable to repay, you can seek other ways in advance. Once the credit information is destroyed, it will have a great impact on buying a house and car in the future.