Disadvantages of buying a car with a loan: In recent years, the car price has been decreasing by about 1% every year. If you buy a car with a loan, the car price will fall upside down after two years, but you have to pay a car loan that is "higher than" the market price. Plus, the audit of buying a car with a loan is stricter and requires certain necessary conditions.

bank car loan. As the mainstream loan method in China, banks have always been the first choice for most car buyers. The biggest advantage of handling car loans in banks is that the interest rate is relatively low. However, it is also the most complicated procedure to handle the car loan in the bank. The speed of the next payment is of course self-evident, and some additional fees may be added. Of course, if you choose a real estate mortgage loan, the interest rate may be lower. Compared with the traditional unsecured mortgage car loan, it can reduce the monthly payment of car buyers.