Basic algorithm: 30% down payment

The license fee and insurance are 10% of the car price.

The loan amount and interest (close to 10% of the loan amount) are monthly expenses except for the last 36 months.

Lending institutions need to evaluate your personal credit and repayment ability.

If the monthly salary is 2,000 yuan, you won't approve more than 200,000 cars.

Second, how to buy a car by stages?

If it is an installment loan, you can choose it yourself. The number of periods is12,36 and so on.

Detective, it's faster to buy a car and pick it up nearby.

In fact, everyone has their own disappointments, but some people are standing in the sun and crying, while others are hiding in the dark.

3. Does buying a car by stages start with picking up the car?

Not necessarily/possibly

The car loan is not necessarily calculated from the date of picking up the car. Under normal circumstances, the repayment date of the car loan is calculated from the date when the financial institution issues the car loan to the account designated by the owner, and the repayment begins in the second month. If the borrower gets a car loan in August 1 year, the repayment will start on September 1 day after the loan is issued. Many times, the repayment time will be clearly determined in the car loan contract, and the owner only needs to repay on time.

Fourth, how to buy a car by stages, can it be done for five years?

Of course. Special people can serve teachers, police lawyers, etc.

The installment payment method for buying a car has the following contents:

First of all, we should know whether the beneficiary of car installment payment is a bank or a financial institution, because now many banks have a higher threshold for lending to buy a car, and more financial companies, especially those in the same department as car manufacturers, have begun to handle it for customers.

Secondly, the requirements for car buyers: generally, the wage income is normal, preferably provident fund, real estate (with property rights) or married. Of course, if there are other written documents that can prove your paid loan strength, you can also. The general loan amount is not higher than 80% of the car price, the rest is called down payment, and some people are willing to go back on their loans.

The loan term is one year, two years, three years or 50 thousand to 100 thousand. Three years is the best choice, and five years will lead to higher interest expenses. Car buyers are most concerned about the process: generally, you can check the results after submitting silver and some basic rotten hall materials, as well as the choice of a house, the price (fare) of the vehicle and the certificate provided by the seller.

If a bank agrees to a loan, it must sign a vehicle loan mortgage contract, one for the bank and one for you; You have to sign a car sale contract, one for the car dealer, one for you and one for the bank. After signing the contract, the car dealer pays the down payment, and the car dealer contacts the bank to let the bank lend money. In this case, the process is all over!