Attachment: What should I pay attention to when buying a car with a loan:
1. Loan amount:
Different personal credit loan amounts will be different, most of which are personal credit guarantees, with a maximum loan of 200,000 yuan; Apply for a car or real estate mortgage with a loan amount of 70%, and encourage consumers to know the loan amount in advance.
2. Repayment method:
The repayment methods of auto loans are different, and consumers can choose the appropriate repayment method according to their actual situation. Most of the principal and interest are equal to the average capital, the principal and interest are equal, the repayment amount in each period is almost the same, and the total interest is more. In the average capital, the repayment amount of each installment is gradually shortened, and the interest is less than the equal principal and interest.
3. Oral agreement:
When consumers buy a car, all kinds of discounts given by sales staff should basically be reflected in the contract, and they don't need to be confused by the verbal agreement of the seller. In order to prevent the loss when buying a car, you can also keep the evidence by recording.
4. Hidden expenses:
When buying a car, consumers should have a clear understanding of the cost of the car, ask whether the total price of the car includes the cost and whether there are other hidden consumption, and take the initiative to attack.
Million car purchase subsidy