The specific steps of buying a car by stages are as follows:

1. First, determine the model you want to buy. Although most models can be paid by installments now, some models can't, so you need to ask the 4S shop in detail before buying a car to see if the car you want can be paid by installments.

2. Then calculate the down payment. You still need to pay a certain down payment in installments, usually not less than 20% of the car price, but not less than 30% in some areas. This must be asked clearly. If you want to buy a car with a price of 6,543,800 yuan, you need to pay a down payment of 20,000 yuan or 30,000 yuan. Staging refers to the rest of the car staging.

3. There is also the need to calculate interest and monthly payment. This can be calculated directly by the people in the 4S shop. Usually, the longest term of car installment payment is 2 years, and the interest rates of different banks may be slightly different, so you must ask the sales staff to make it clear before signing the contract.

Pay attention to ask if there are any additional conditions. Although some 4S stores can pay by installments, the interest rate is relatively low, but there will be additional conditions, such as the first year insurance of new cars must be all-insurance, and must be insured in 4S stores, etc. These must be asked clearly.

5. Finally, provide relevant documents, sign the contract, pay the down payment and pick up the car. You need to provide your ID card, driver's license, salary and bank account. Individual 4S stores may also need proof of income to prove that you have repayment ability, then sign a contract, get approval after paying the down payment, and then you can pick up the car.

Second, what is the process in automobile mortgage?

The process of loan mortgage is generally as follows: 1. Buy cars from dealers who are qualified to cooperate with banks and sign car purchase contracts. In the contract, the car price, taxes and insurance premiums are all mortgaged. You can't ask the dealer to write a general sentence in the price, fill in the loan application, and pay attention to the loan amount and term. 3. Bring relevant documents (usually ID cards, but also others', driver's licenses and vehicle registration certificates) to the bank. 4. Sign the loan contract, chattel mortgage list and other related documents at the bank (banks generally require face-to-face signing to prevent fraud, so you'd better go there), check the loan amount with the bank staff again, and calculate the mortgage payment and performance guarantee insurance for each period according to the loan amount (this insurance calculation method is% of the total number of mortgage loans per month). This insurance can be partially returned after you repay the loan in advance (don't forget to ask for it when friends who repay the loan in advance arrive). It should be noted here that the bank staff can be required to write down the loan amount on the contract before signing it; If you have time, you can wait for the bank staff to finish all the contracts and check them, then you may have to amend them. Once changed, you can ask for a new one. 5. After getting on the bus, go to the vehicle management office with the dealer to handle the vehicle mortgage registration procedures. Of course, you should bring all relevant information, but banks and dealers will usually prepare it for you, such as contracts, mortgage lists, vehicle engine numbers and frame numbers, and vehicle completion. The vehicle management office will print your mortgage amount and beneficiary bank on the vehicle registration certificate. 6. You don't have to go to the bank again, but the dealer can perform the following procedures. Let his original or copy go to the bank, and the bank will pay the corresponding amount to the dealer's account or your account according to the contract, and then deposit the mortgage amount in full into the designated account before the monthly repayment date agreed in the contract (the general bank will ask you to open a credit card account, which is not overdraft, so as to facilitate your deposit and deduction), and there will be a penalty period for the delay. If you delay payment, you should inform the bank to deduct it in time after payment, otherwise the bank may deduct it again in the next period, so your penalty interest will increase. Note that if you delay payment, you should pay more than usual so that the bank can deduct it in full. 8. If you lose your credit card or forget your account, you should go to the bank to reapply in time and inform them that you have updated their computer information in time, otherwise you may be charged interest. 9. If you claim compensation from the insurance company after the accident, the insurance company will ask you to go to the bank to issue a certificate of your repayment credit. If you repay the loan on time, the insurance company will pay your premium in full. If you don't repay the loan in time, the insurance company will compensate you and the bank won't issue you a certificate. Credit. 10. After all the loans were paid off, I asked the bank for relevant certificates and took the vehicle registration certificate to the vehicle management office for cancellation of vehicle mortgage. If you repay the loan in advance, you can refund part of the performance insurance premium, and there may be vehicle insurance premium received by the insurance company in advance the following year. 1 1. Please pay attention to the loan term and determine it reasonably according to your repayment ability. Don't think that the longer the time, the lighter the monthly repayment burden, because banks generally require that the mortgaged vehicles must be insured. The higher the accumulated premium, the higher the loan interest and performance premium will be. Under normal circumstances, a good driver may not need so many types of insurance. You can calculate this account well!

Third, what is the process of buying a car with a loan? I want to manage the bank myself.

What car to buy. It's best not to borrow money. Interest is very high. I don't have the money to hold any big money. You said I was right. Buy if you have money.

4. What is the process of buying a car with a loan?

The process of buying a car with a loan:

1. Prepare my ID card, household registration book, income certificate, work certificate and other materials, and then go to the car dealer to select the vehicle;

2. After selection, apply for buying a car by installment and provide the materials to the car dealer;

3. The dealer will conduct a preliminary inspection. After passing the preliminary examination, the applicant will sign a car purchase contract with the dealer, and then the dealer will recommend you to apply for a loan from the bank;

4. The bank will conduct an audit. After the approval, the bank will open an account and deposit the down payment, and sign a loan contract;

5. Go through mortgage registration and other formalities, and the bank lends money to the dealer;

6. The applicant can go through the insurance and licensing procedures, and then pick up the car on time and repay it in installments.