1. To apply for collateral, the loan amount is generally 70%-80% of the vehicle's own valuation, and the professional mortgage auto loan company can get up to 90%. If you want to borrow 200,000 yuan, you need to prove that you own the vehicle property right when applying for a loan of about 300,000 yuan, and you need to provide information such as driving license, travel tax and insurance policy.
2. Apply for a credit loan: You can choose to apply for a credit loan at the bank, but it is good for applicants who have a stable income and work in civil servants or institutions.
Car loan refers to the loan applied by the lender. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers.
The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal of seven or less family cars or commercial vehicles issued by the borrower for the purpose of purchasing profits. The higher the interest rate, the greater the repayment amount of consumers.
Automobile loan channel
1. auto financing company: the biggest advantage lies in convenience and low threshold, and the company is one. Its "convenience" is not only reflected in the direct application through 4S stores, but also in the fact that it has no hard conditions such as hukou and real estate.
2. Buying a car with a credit card: The most obvious advantage lies in the loan interest rate, which is half lower than the traditional bank car loan interest rate. Ordinary credit cards can be applied, and the models are also cross-brand, with a wide range of choices. The premise is that you need a higher credit line to enjoy it.
3. Bank car loans, banks have been greatly reduced by the pressure of tightening credit scale, and the loan doors of some middle and low-end cars have been temporarily closed. The biggest advantage is that you can choose a wide range and apply for personal car consumption loans.
However, the procedure of lender qualification examination is very complicated. It is generally necessary to provide real estate (such as real estate) as collateral. Some banks provide a profile for high-end customers and can use the car itself as collateral. However, compared with other car loan methods, the time period for approval is shorter.
In terms of loan interest rate, automobile mortgage's interest rate is generally at the same level as that of banks. In most car loan industries, car insurance is guaranteed, and car buyers also need to undertake all procedures. Taken together, the comprehensive cost of bank car loan is the highest among the three ways.
Second, how much is the monthly car loan? Just look at it.
If you buy a car just for transportation and the price is not high, you may choose the full amount. However, if you choose a higher-priced vehicle in pursuit of vehicle brand, vehicle performance, vehicle appearance and interior decoration, many people may need loans, which will generate monthly payments and need to be returned on time. So, how much is the monthly car loan? Let's analyze it together.
First, how much is the monthly car supply? Depending on the owner's income level, personally, it is more appropriate to provide cars for 1/3 of the monthly income. For example, the monthly income is 20,000 yuan, and the monthly car supply can be about 7,000 yuan; The monthly income is 3000 yuan and the monthly car loan is about 1000 yuan. The reason is very simple: 1/3 returning the car for monthly payment is a fixed fee, and 1/3 basically fixes the monthly living expenses. The remaining 1/3 can be used for flexible expenses, such as going to restaurants, shopping for movies, seeing a doctor, buying medicines, giving gifts, etc. These things will not be fixed every month, but they may happen at any time, so you need to leave some flexible space for your own funds. Second, what is the general minimum monthly car purchase? 1, the vehicle loan period is generally 1-3 years, and the longest loan period is 5 years. 2, the lowest car price is generally around 50 thousand, and if it is high, it can be millions. 3. The common repayment methods of car loans are equal monthly principal and interest repayment and equal monthly principal repayment. According to the above three pieces of information, if the monthly loan interest rate is 1%, we can roughly calculate that a car with a loan of 50,000 yuan will need at least 1 10,000 yuan for the monthly loan, even if it is loaned for five years. If the loan interest rate is reduced by 50%, the monthly payment needs more than 900 yuan, which is close to 1 000 yuan. Therefore, it is best to ensure that the personal monthly income level is above 3,000 yuan. The above is about "how much is the monthly car supply". I hope I can help you.
Third, what price is the most suitable car loan?
Of course, it is appropriate to buy a cheap car, because you have less loans and less interest. It's also a 30% down payment. You do the math.
4. What price is the most suitable car loan?
First, the down payment
We calculate the down payment with the bare car price of 6.5438+10,000 yuan, and the down payment of 30% is 30,000 yuan. If it is divided into three years, it will cost about 265.438+006 yuan per month.
Second, the handling fee
The second is the handling fee. Although many automakers have introduced interest-free loans, 4S stores generally charge a handling fee of 2,000 yuan for loans.
Third, the purchase tax
The third purchase tax, now the preferential policy of small displacement has been cancelled, so the car purchase tax of 65438+ 10,000 yuan is 8547 yuan.
Four. Insurance premium and license plate
The last thing I want to say is insurance loans. Generally speaking, 4S stores will force you to buy all risks. Here, it is only calculated according to compulsory insurance, car damage insurance and third party liability insurance 1 10,000 yuan, excluding deductible insurance. After calculation, the insurance cost is 5332 yuan. According to our own work in the vehicle management office, the final licensing fee is 130 yuan. If you let the 4S shop help you, you should at least go to 500 yuan. In this way, the price of a new car on the road is the down payment plus handling fee plus purchase tax plus insurance premium plus insurance premium, which is 30,000 plus 200085475332 plus 130, which is 46,009 yuan! This is calculated according to the lowest price, so the money you have to prepare in advance before buying a car is 46,000 yuan.
I can recommend several cars that you can look at in detail. They are all very good in style, performance and configuration.
Haima Familia Haifuxing, Haima 3, Chang 'an Yuexiang Zhixiang, Jianghuai and Yuetongyue (and Yue Bin who is too similar to Mercedes-Benz E-Class; Larger than E-class, longer than E-class), BYD F3, F6, Chery A3, Chery Fengyun 2, Great Wall Gorgeous, MG 3SW, Volkswagen POLO Skoda Jing Rui.