after all

2. What's the difference between used car staging and new car staging?

1. down payment: Generally speaking, the down payment for new car loans is about 50%, which is decisive. Generally speaking, it is better than a new car.

2. Loan interest rate: new car loans can go to banks or auto finance. If the applicant is qualified, the monthly interest rate is as low as 34%. The interest rate of second-hand car loans is relatively higher than that of new cars. Of course, factors such as car model, car condition and selected institution will directly affect the interest rate.

3. Loan term: The loan term for a new car is generally three years, with a maximum of five years; Second-hand car loans are up to three years, usually one year.

4. Threshold: New car loans only need to provide ID cards, driver's licenses and driving licenses; Second-hand cars generally need to be used within 5 years, kilometers, with an estimated value of 80 thousand and above, and the information is more complicated and appropriate.

Installment refers to paying off debts in several times in a transaction.

Installment can be divided into interest-bearing installment and interest-free installment. Interest-bearing installments generally pay interest first, and then the principal. Usually, the total payment is much higher than the actual transaction price, and interest-free installment is not counted as interest. Usually, merchants or banks promote sales through interest-free installment, but for interest-bearing installment, if they repay in advance, they may have to pay a fine.

Market implication

Installment payment is actually a loan provided by the seller to the buyer. The seller is the creditor and the buyer is the debtor. The buyer can get the required installment payment only by paying a small part of the payment, including interest, so if he buys the same goods or services by installment, he will pay more than one-time payment.

On the one hand, installment payment can enable sellers to complete promotional activities; on the other hand,

behavior characteristics

Installment payment means that after the import and export contract is signed, the importer pays a small part of the payment as a deposit to the exporter, and most of the rest is paid in installments during production, or at the time of arrival, installation, testing, investment and quality assurance.

The buyer and the seller sign a contract at the time of transaction, and the buyer pays the goods and services to the seller in installments within a certain period of time. Date and gold of each payment.

Terminology form

If the installment payer pays by himself, the second payment is usually made after the manufacturer's delivery notice; Divided into three installments, and the third installment will be paid within a certain period of time after check-in. In this way, the buyer usually pays more than one-time payment, but at the same time it can reduce the possible losses in the auction, such as "unfinished houses", as well as the decline in house prices other than the down payment and the changes in the economic situation of the buyer.

Loan installments are generally paid off in several years. The key here is when the installment payment will start except the down payment, in other words, when the loan bank will hand over the loan from the property buyer to the real estate developer. This time can start as soon as the loan procedure is completed, or it can start as soon as the house is handed over, which is more beneficial to the buyers.

Of course, how to pay is not the wishful thinking of buyers. If real estate developers have no strength, they must rely on buyers' money to build houses. Usually, they will not agree that the buyer's second payment will be delayed until delivery. In this case, property buyers can only decide whether to buy a real estate developer's house.

3. What's the difference between buying a car in installments and not buying a car in installments?

There are installments and no installments for buying a car, and there is no installment for paying in full.

If you have plenty of money, you can shop around, have an expected low price in your heart, and talk about the lowest price directly.

If the funds are not plentiful, it is undoubtedly a good condition for automobile manufacturers to have an interest-free installment policy. The pressure of installment payment is not that great. You can drive home after paying the down payment!

4. Is there a difference between buying a car by loan and buying a car by installment?

The difference between buying a car by loan and buying a car by installment;

First of all, the concept is different.

Loan to buy a car: automobile consumption loan is a new loan method that banks provide RMB-guaranteed loans to car buyers who buy cars at their special dealers. Loan to buy a car refers to the loan issued by the lender to the borrower who applies for buying a car. In fact, it is to borrow money from financial institutions to buy a car. However, financial institutions require car buyers to pay a certain percentage of down payment and provide proof of repayment ability. They have no bad credit record and must meet the requirements of financial institutions before they can apply for a loan to buy a car.

Buy a car by installment: installment payment is mostly used for some product transactions with long production cycle and high cost. Choosing credit card installment payment is more economical than bank car loans and auto financing companies. Usually, credit card installment payment is free of guarantee and interest, and only charges a handling fee. At the same time, when buying a car by credit card, there is no mandatory requirement for new car insurance and renewal. Generally, you only need to buy major insurance and burglary.

Second, the application conditions are different.

Loan to buy a car: to apply for a car loan, you must buy a limited range of cars from a special dealer recognized by the bank. Car buyers must have a relatively stable job and a relatively stable economic income or assets that can be easily realized in order to repay the loan principal and interest on time. During the period of applying for a loan, the car buyer will deposit the down payment for car purchase lower than that stipulated by the bank into the account of the savings counter of the handling bank, and provide the bank with a guarantee recognized by the bank. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.

Buying a car by installment: With credit card installment, banks will have higher requirements for applicants, generally requiring local accounts, stable income, no bad credit history, real estate, and high-quality bank customers are preferred. It's easier to apply for a car by stages. As long as the bank launches this service, car buyers can follow the rules of different banks. Banks have different ways to buy a car by installment. In addition to the goods in the credit card installment catalogue, some banks have specific requirements on the place and amount of purchase.