Loan to buy a car; Consultation → Deciding to buy → Preparing materials, filling out forms → Submitting materials → Preliminary examination → Submitting to the bank for approval → Paying down payment → Selecting a car → Signing a car purchase contract → Picking up the car → Handling relevant procedures → Driving home → Monthly repayment Assuming that your car price is 80,000 yuan, the down payment is 30%, that is, 70% of the loan is 56,000 yuan. Loan for 3 years, monthly repayment 17 12 yuan, total interest of 5,604.8 yuan ● Operation process-first, the customer applies for mortgage from the car dealer, and then the guarantee company requires the customer to prepare personal data according to relevant regulations. These materials include: ID card, income certificate, marriage certificate, and copy of residence certificate (household registration or temporary residence permit, etc.). ), house property certificate, driver's license. If the owner is an employee of a state-owned enterprise, a copy of the work permit is required. If the owner is an individual and private household, copies of business license, tax registration certificate, organization code certificate and other relevant documents are also required. Of course, you also need a guarantor with a local account. After the information is fully prepared, the guarantee company will make a door-to-door investigation and report it to the bank after confirming the truth. Finally, banks sign loan contracts with customers. -● Guarantee fee-A guarantee company revealed the charging standard to reporters: the site investigation fee is in 300 yuan within the Third Ring Road and 500 yuan outside the Third Ring Road; According to the loan period, the file management fee is charged annually in 200 yuan; After signing the loan contract with the bank, the customer pays the guarantee fee to the guarantee company. The amount of guarantee fee depends on the loan amount and loan term. At present, the loan period for buying a car in Chengdu is generally five years and the loan period is one year. The guarantee fee is 1.4%- 1.6% of the loan amount. The loan is two years, and the guarantee fee is 65438+ 0.8%-2% of the loan amount; The loan is for three years, and the guarantee fee is 2.5% of the loan amount. At present, most car owners who borrow money to buy a car choose a three-year loan period. -● Precautions-In addition to the above-mentioned necessary information, there are still some issues to be noted: if the customer's household registration is not in this city, the police station needs to issue a temporary residence permit; For customers who have no real estate, they need a person with real estate as a guarantee; When the customer is in mortgage to buy a house, he should issue a copy of the purchase contract and a repayment passbook; Customers who have real estate but are still processing the property right certificate need a certificate from the relevant real estate company. -In addition, if the customer can also issue academic credentials, deposit certificates, water and electricity payment vouchers, etc. The loan application will be easier to pass. -Buying a car with a loan also involves auto insurance. At present, only the third party liability insurance is compulsory among the types of automobile insurance. However, if you buy a car by mortgage from a guarantee company, in addition to the third-party liability insurance that you must buy, you also need to buy the whole car theft insurance, car damage insurance and special insurance without deductible. This calculation function is set according to the national laws and regulations on loans and guarantees and the Measures for the Administration of Automobile Consumption Loans of the People's Bank of China. The loan interest rate is subject to the current loan interest rate stipulated by the People's Bank of China. In practice, the loan interest rate may rise legally (about 10%~20%) on the basis of the interest rate stipulated by the People's Bank of China due to the difference between the dealers and commercial banks who handle the automobile consumption loan business, and the specific operating procedures and the provisions on guarantee insurance will be different. The vehicle registration fee is paid according to the regulations of each city, so this calculation result is only for the reference of netizens. Using this calculation function, you only need to fill in the amount in the column of "cash car purchase", make corresponding choices according to the repayment period, and click "Calculate". In addition, "notarization fee" and "parking fee" can be filled in according to the situation. Description of payment method selection amount: cash car purchase (unit: 10,000 yuan) total cost loan car purchase loan car purchase = down payment monthly loan period total down payment = down payment insurance license fee car price down payment = cash car purchase ×30% loan amount = cash car purchase-down payment monthly repayment period 6 months, one year, one and a half years, three years vehicle insurance and car damage insurance 240 new car purchase amount ×/kloc-0. The purchase price of a new car for theft and emergency rescue is × 1. 1%, excluding the 20% credit insurance premium of the sum of the special insurance vehicle loss insurance and the third party insurance premium. Credit insurance premium for half a year, one year, one and a half years, two and a half years, two and a half years, and three years = amount of car arrears × (half a year: 0.6% for three years, 5% for three years) guarantee fee for one year, two years and three years = loan amount × (one year: 65438+ two years, 0%: three years, 2%:3%) car purchase surcharge × How to calculate the interest on loan car purchase? Based on the initial loan amount, it is calculated according to the bank loan interest rate when signing the contract. If the bank interest rate changes during the repayment period, it will be adjusted with the interest rate and remain unchanged for one year. How to calculate the monthly loan for car purchase? Automobile dealers generally use the monthly repayment method of equal principal and interest, and the calculation formula is: monthly repayment amount = loan principal × monthly interest rate loan principal × monthly interest rate ÷ car loan period? Taking one month as a cycle, the current loan car purchase cycle does not exceed 60 periods (that is, 5 years), but it needs to be determined according to the user's situation, model and purpose. If the purchased vehicle is used for business purposes such as rental operation and car rental, the longest period is generally not more than 36 periods (i.e. 3 years). Can I repay the car with a loan in advance? Yes, it is ok to pay the remaining car fare in advance if the user asks for it within the payment period. However, it is necessary to inform the lending bank in advance, and no interest will be charged after the next month of the payment month. What is the bank's loan interest rate during the loan car purchase period? That is, the loan interest rate announced by the bank at the time of signing the contract shall prevail. The interest rate for the same period refers to the interest rate for the same loan term. What about the price adjustment of similar models during the loan car purchase? During the payment period, if the car price is adjusted, whether it is upward or downward, it will not affect the original price, and the customer will still pay according to the price standard signed in the contract when buying the car. What fees do I need to pay for a car loan? 1. Insurance cost 1. Vehicle loss insurance: Bus with less than six seats = insured amount × 1.2% 240 yuan Bus with less than six seats = insured amount × 1.2% 600 yuan 2. Third-party liability insurance: buses with less than 6 seats: 50,000 seats, 936 yuan, and one million, 65,438+65,438+. Passenger cars with more than six seats: 50,000 seats 1053 yuan, 654.38+10,000 seats 13 14 yuan. 3. Theft and rescue throughout the year: the passenger car rate of less than 6 seats1%; The rate for passenger cars with more than six seats is 0.8%. Santana series car rate is 1. 1%. The calculation formula is: premium payable = insured amount × rate 4. No deductible insurance: (car damage insurance premium, third party premium) ×20%5. Credit insurance: based on the loan amount, calculated annually: 1 year 1% to 2.2% for 5 years. Second, the guarantee fee is based on the loan amount. According to the number of years, the one-year period is 1%, and the five-year period is 3.5%. 1-1February 4.78% 0.44% April 4.94% 0.4575%1March-March 4.941%0.4575% 37-April 5.00. Additional tax payable for vehicle purchase tax (before the implementation of the new regulations) (domestic vehicles) = vehicle payment (including tax)/1. 17× 10% V. Vehicle inspection registration fee is 300-500 yuan. The intransitive verb vehicle and vessel use tax is about 200 yuan/year, and the road maintenance fee (5 cars) is 6500.
Second, the auto financing company loan process?
Generally speaking, for steam:
1, go to the car 4S shop to choose the model.
2. Fill in the loan application form of the auto financing company and provide relevant supporting materials.
3. Wait for the approval of the auto financing company.
5. Sign car purchase contracts and car loan contracts.
6. Pay down payment and vehicle purchase tax.
7. Handle new car registration, mortgage registration and other related procedures.
8. Pick up the car and repay it on schedule according to the loan contract.
Third, can the company mortgage the car?
When buying a car, the company can apply for a mortgage loan. However, it should be noted that if automobile mortgage is in the name of the company, then the mortgage loan needs to be in the name of the company as a legal person. This requires providing the personal certificate of the legal person, the company's business certificate and related documents, in addition to these documents, but also provide the company's recent tax records and other related documents. The company can borrow money to buy a car in its name, and the process is as follows: 1. Customer application: the customer applies to the bank, fills in the application form in writing and submits relevant materials at the same time; 2. Signing a contract: After the application materials submitted by the borrower are approved by the bank, both parties sign a loan contract and a guarantee contract; 3. Lending: The loan approved by the bank will be directly transferred to the car dealer account by the bank according to the contract; 4. Repayment on schedule: the borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract; 5. loan settlement. Legal basis: Article 14 of the Measures for the Administration of Automobile Loans: A borrower applying for an automobile loan from a dealer shall meet the following conditions at the same time: (1) Having a Business License for an Enterprise as a Legal Person issued by the administrative department for industry and commerce; (2) Having a certificate issued by the automobile manufacturer to sell cars as an agent; (3) The asset-liability ratio does not exceed 80%; (4) Having a stable legal income or legal assets sufficient to repay the principal and interest of the loan; (5) The dealers, senior managers of dealers and customers who accept loan applications as agents have no major breach of contract or bad credit records; (6) Other conditions required by the lender.
Fourth, the company loan to buy a car process?
Prepare the borrower's ID card, income certificate, driver's license, stamped bank statement or other income certificate, etc. And submit it to the bank or a third-party financial service company that cooperates with 4S stores for review. After the loan is approved, the borrower pays the down payment to the 4S shop and gives the receipt of the down payment to the bank or a third-party financial institution to wait for the loan. After the loan is successful, the borrower only needs to repay the car loan on time every month according to the repayment plan.