1. Which of the following statements about the characteristics of personal car loans is incorrect ()

]B

[Analysis] The main characteristics of personal car loans are One of the contents is that it is relatively difficult to occupy a place in the development of the automobile industry and automobile market. Therefore, the development is not carried out independently, but requires the coordination and cooperation of multiple parties. Therefore, Xiang’s statement is incorrect.

(Field (2) and various industry opportunities in the automobile market

A, C, and D all belong to personal car loans

Selection B

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2. Several questions about car loans

1. It is not necessary to use a house as a mortgage to buy a car. Proof of income is enough. The real estate mortgage does not affect your car purchase. < /p>

2. Repayment will start after the loan is approved, regardless of whether you take delivery of the car. This is the same as buying an off-plan house.

3. Auto finance companies are very fast, but the interest rate may be different. The cost will be relatively high. It is recommended that you go to several major state-owned banks and ask. Do not go through auto finance companies. There are many banks in Guangzhou. Just go to the bank and ask them one by one to compare. Of course, auto finance companies have special discounts. Consider an auto finance company

3. What should you pay attention to when buying a car?

Three points you need to pay attention to when buying a car: 1. There are basically three types of car loans that loan companies choose. Types: bank loans, social finance loans, and manufacturer finance loans. Bank loans are provided by credit companies. The interest rates of this method are generally lower, and the loan amount and time are more complicated. The interest rates of social finance loans are slightly higher and the procedures are simple. Financial loans are interest-free and low-interest, and the loan period is generally shorter. 2. Budget the necessary expenses to buy a car in full and go on the road, including the car payment, purchase tax, compulsory traffic insurance and license plate. Fees. Buying a car with a loan will definitely cost more. In addition to the monthly payment, the down payment to pick up the car involves the following fees: 1. The down payment for the car is undoubtedly a part of the car payment. It is calculated based on the car payment and loan ratio, which is generally no problem. 2. Purchase tax: charged by the national tax department (new energy vehicles are tax-free), 10% of the ticket price after tax. Simple calculation: if the ticket price is 100,000, the purchase tax will be charged. That is 100000/11.3=8849.6 (keep one decimal point). Generally, the car owner pays this fee himself. 3. Insurance: Compulsory traffic insurance is a national compulsory insurance. Commercial insurance is required by the loan company and is generally paid in full. You also need to buy commercial insurance when buying a new car. We all know that insurance has rebates. When the insurance rebates are high, they can reach 60% of the premium. This is also an income of the loan company. Since the insurance industry implemented self-regulation, the rebates have undoubtedly decreased. 4. Security deposit: It is generally interpreted as renewal deposit or performance bond. It will be deducted if the credit company does not provide insurance during the loan repayment period. In short, it will be deducted if the loan is overdue. . As long as the loan is repaid normally, it can be refunded at maturity. 5. Handling fee: Handling fee has been around for a long time. It is generally explained as including fees for licensing, GPS, contract signing, home visits, mortgage fees, etc., and can also be understood as a profit subsidy for the merchant. But now there are fewer fees. There is no very clear standard for which of the above fees are completely reasonable. It should be said that the controversial ones are margin and handling fees. In the market economy, as long as it does not violate the industry rules, As long as there are no extortionate prices or fraud. Here, car buyers are reminded to calculate how much more it will cost to buy with a loan compared to buying with full payment, so that they can pay the bill clearly and not waste money. It would be best to seek advice from friends or relatives in the industry. Don’t get too hung up on how much money other people make.