In fact, there is no real "zero down payment" for personal car loans. Most of them achieve the goal of "zero down payment" through the combination of personal consumption loans, loans, inflated car prices, stall owners' installment, entrusted loans and mortgage advances. Some car loan financial institutions will lend money and go to their institutions for zero down payment. Bian Xiao wants to remind everyone that this is an illusion!

Lenders must not be carried away by temporary interests when handling personal car loans, and should handle loans rationally. Car loans are generally divided into two types, one is bank loans, and the other is auto finance company loans.

There are two kinds of bank loans, one is the cooperative relationship with 4S, and the other is that the car buyer applies to the bank himself. Because of the advantages of low interest rate and safety of bank loans, many car buyers want to choose bank loans, so there is an intermediary guarantee company. With the guarantee company, it is feasible for car buyers to choose bank loans. Compared with auto financing company loans, the application procedures are less troublesome, but the loan interest rate is higher. As for the specific application conditions of car loans and bank loans, it is more troublesome to apply without a guarantee company. First of all, you must have a good personal credit status, and then you must be a citizen of China who has reached the age of 18 and has full capacity for civil conduct. You need a good proof of income to ensure your repayment ability, and you must have proof of residence. This is the basic condition. After meeting these conditions, you need to prepare the down payment of the car loan and meet other requirements stipulated by the bank. When choosing a bank car loan, it will be much more convenient to handle it if there is real estate as collateral.

The loan conditions of auto financing companies are not so strict, and the audit speed is relatively fast, but the loan interest rate is relatively high, so car buyers still need to distinguish clearly when signing contracts. Lenders should consult relevant persons according to their own conditions and choose the most suitable loan destination.

Although automobile loan has become a trend at present, not everyone knows this complicated phenomenon in detail. Therefore, Bian Xiao suggested that the lender had better choose a bank loan to buy a car. If you don't know the specific application conditions and application process, you should consult the specific bank accordingly. Remember not to be fooled by the rhetoric of some car dealers. When signing a contract, you must clearly understand and understand the contents of each clause before signing it.

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