No, according to the bank, unless the conditions are very good, such as having real estate, you can get the interest rate in car home by borrowing from the bank.

Auto financing companies serve car sales, and the handling fee is more or less. Tight cars have high fees, some of which are much higher than banks. If car dealers engage in activities on some cars, they may not charge fees, which is more cost-effective than borrowing from banks. The specific rate should be calculated by data. For example, a bank collects 10,000 RMB 600-700 a year and 800- 1000 in two years. Auto financing companies are generally operated by auto sales companies. If you borrow money and don't pay it back, it will have security problems, which is no problem for you. The bank loan is secured by a new car. If the amount is large, other guarantees may be needed. The loan is only 654.38 million yuan, and the down payment is more than 50%. A new car is usually enough. You may need to provide information about your own house and income. Every company is different. It won't be long before you finish the information he wants, because it's the off-season of car sales and there will be preferential prices. Second, is it easy for 4s shops to buy cars by stages?

All right.

It's easy to buy a car by installment in a 4S shop. Buying a car by stages is a sales method of 4S stores. It can be divided into five years at most Generally, there are six stages in buying a car, namely 6, 12, 24, 36, 48, 60, and the longest is 60, 1 is one month, and 60 is equivalent to 60 months. But a three-year period is common, and a five-year period is rare.

Extended data:

Precautions for car purchase by installment:

At least 18 years old but under 60 years old, provide ID card and household registration book, be a permanent resident, have a fixed residence, have the ability to repay the loan and have a stable income.

Have the ability to repay loans and a stable income. It is necessary to provide the income certificate of the bank card for three to six months and the daily account details to determine whether there is a stable income and repayment ability, and the monthly contribution does not exceed 60% of the total disposable income of the family.

During the loan period, the insurance company recognized by the bank must insure the motor vehicle consumption loan guarantee insurance at one time and continuously insure the motor vehicle insurance.