Of course. Special people can work for 5 years (including civil servants, teachers, police lawyers, etc.). ).

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

First of all, it is necessary to know whether the beneficiary of buying a car by installment 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 automobile manufacturers, have begun to handle convenient loan procedures 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, and the rest is called down payment. Some banks or financial institutions need to pay a down payment before lending.

The loan term is one year, two years, three years or five years. If the loan is 80,000 to10,000, 3 years is the best choice, and 5 years will lead to higher interest expenses. What car buyers are most concerned about is the process: generally, the form and some basic information that the bank needs to fill in are submitted first, as well as the preliminary verification of residential telephone charges, water, electricity and coal charges, vehicle prices (fares), vehicle information parameters on documents (provided by the seller), and then the results can be viewed.

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!

2. Can automobile trade be divided into five years?

Yes, the purchased vehicle is for personal use, and the longest loan period is no more than 5 years; The purchased vehicle is a commercial vehicle with a loan term of no more than 3 years;

Basic rules:

1. Loan target: a natural person with full civil capacity, aged 18 to 60 years old (inclusive);

2. Loan amount: if the purchased vehicle is for personal use, the loan amount shall not exceed 80% of the price of the purchased vehicle; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the price of the purchased vehicle, of which the loan amount of the commercial vehicle shall not exceed 60% of the price of the purchased vehicle;

3. Loan term: the purchased vehicle is for personal use, and the longest loan term shall not exceed 5 years; The purchased vehicle is a commercial vehicle with a loan term of no more than 3 years;

4. Loan interest rate: subject to the loan interest rate regulations of China Construction Bank;

5. Guarantee method: To apply for personal auto loan, the borrower must provide certain guarantee measures, including pure vehicle mortgage, vehicle mortgage guarantee institution, vehicle mortgage natural person guarantee and vehicle mortgage performance guarantee insurance;

6. Repayment method: If the loan term is less than one year, you can use any repayment method such as monthly interest, matching principal and interest repayment, average capital repayment and one-time repayment of principal and interest. If the loan term is more than one year, the method of equal principal and interest and average principal repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract;

3. Can electric cars be loaned by installments?

It should be possible. New energy vehicles were originally a project that was vigorously promoted now, and there will definitely be one.

4. Can the car mortgage last for five years?

If you have a local account and a local property, you can apply for a loan to buy a car directly. If you only have a local household registration and no real estate under your name, you need to provide a guarantor before you can apply for a car loan. The information provided includes: ID card, household registration book, marriage certificate, driver's license, real estate license (if any), income certificate and other information required by financial institutions (such as teacher qualification certificate). If there is no real estate under your name, you need to provide a guarantor: ID card, household registration book and real estate license (note: it is not used for mortgage).

At present, basically all vehicles can handle auto loan business.

The interest rates of companies and banks are different at different stages. According to national regulations, the minimum down payment for car loans is 20% of the car price. Generally, the operation of banks or installment companies is basically a 30% down payment.