Loan candidates can go to the People's Bank of China. (Currently, I know that this is the only bank that offers this business.) The loan procedure is very simple. You only need to provide proof of your income. Generally, it proves that your income is around 5,000 per month. . Print your bank account statement (for the last 3 months or so). ID card, local household registration, real estate certificate. The more you can prove that you have the financial ability to repay the loan, the better.

Generally, a loan can be given to you within 3 days

The loan can generally cover up to 70% of the car. The interest is generally charged in one go, and the fee is about 1,000 per year. Your loan will be 3,000 for 3 years. (Interest is generally called a handling fee, so it is also called an interest-free loan.)

The first is to compare prices in the local market, bargain, bare car price, and package price.

Online quotations are generally bare-car prices. That is the lowest price. The price of the license plate generally includes the registration fee, which is about 200, and the car purchase tax. The car purchase tax is 0.5% for a car of 1.6L. Generally, 50,000 is a tax of 2,500. The subsidy requires you to have a rural household registration. After completing the procedures for purchasing a car, you should bring the car purchase invoice and ID card to the local government to apply for the subsidy.

Suggestion: When buying a car, don’t ask friends to buy it for you and negotiate the price, because industry rules are to give rebates to the person who buys the car for you, which will result in your price being more expensive. You can go to the manager yourself directly Negotiate the price, just the price of the car. Usually it's an online quote. If you are looking for relatives to act as middlemen to earn kickbacks, you will make money if you can get part of the kickbacks.

If you buy a Bao brand car, the dealer will charge more, which means that what you are asking for is hard work fee.

It’s much cheaper to buy out the car. Applying for a license yourself

It’s very simple

You can bargain for insurance, and you can usually get a discount of up to 25% off. The discount is 30%.

So don’t let anyone help you when buying insurance. Whoever helps you transfers this 25% discount. The price difference is reduced by 30%. For insurance, it is best to choose a large insurance company, such as Ping An.

After completing the car purchase procedures, bring the car purchase invoice and ID card account to the local government to apply for subsidies.