It is best to borrow money from the bank, and the interest is relatively low. At present, shops selling cars basically have loan platforms that support installment payment, but interest is not as cost-effective as banks.
Second, can I get a mortgage if I buy a car under my name?
Yes, you need to provide the following conditions and procedures for buying a car by loan: 1, proof of salary income in the last three months; 2. Find a friend with real estate to guarantee for you (no need to mortgage anything); Open a residence certificate in your place, choose the car you want to buy, and then go to the dealer for a loan.
There are generally two ways for dealer loans: bank loans and finance company loans.
The interest rate of bank loans is low, but the approval is troublesome and difficult to pass; Finance companies have high loan interest rates, but the approval process is simple and the loan conditions are loose.
Then provide the lender's ID card, household registration book, salary certificate, bank card starting with 6222, guarantor's ID card, real estate license and income certificate.
The dealer is responsible for applying for your loan, and the lender will review your conditions.
Then, the dealer will be informed of your approval result.
After the dealer informs you to sign the loan contract, you can pick up the car bill.
Additional: 39 1 yuan, purchase tax (65438+100000 vehicles) 6450 yuan, travel tax 420 yuan (12- the current month), and the total insurance is about 5000 yuan. After the vehicle is completed, the dealer will handle the mortgage formalities for your car with the grade certificate (Great Green Paper).
At this point, the vehicle loan procedures have been completed.
After the bank/finance company notifies the lender, you can repay the loan monthly.
Attach your loan conditions: down payment >; =30%; The longest loan period is 36 months.
As for the financial service fee, it depends on the local or dealer policies.
(This information was also consulted by a friend of my online loan company, Yin Ji Online. It seems to be working with the bank. Everything is synchronized with the bank, regardless of interest, repayment method and term. It is also an online financial platform recognized by the China Banking Regulatory Commission. There are many loan products and the service industry is good. At the same time, as long as your information meets the requirements of the bank, they can put in the style within 7 working days.
They will not charge any extra fees in any name before the bank formally lends money to users (this is the biggest difference from ordinary private lending institutions).
Personally, I feel good. At the same time, their business faces the whole country, which is quite formal. I suggest you try something that may have the loan information you want, hoping it will help you.
I work for a private person. Can I get a loan to buy a car?
You can apply for automobile mortgage.