If you want to apply to the bank yourself, of course, you can also ask the 4S shop to help you apply, but the 4S shop will charge a certain handling fee. The loan purchaser applying for automobile consumption loan must meet the following conditions:
(1) The car buyer must be a China citizen who has reached the age of 18 and has full capacity for civil liability.
(2) Car buyers should have a stable income to support their monthly supply after buying a car.
(3) When applying for a loan, the car buyer needs to have enough down payment in the bank account. If it is not enough, it is not allowed.
(4) Put forward a credit guarantee to the lending bank, because without sufficient guarantee, the bank will not lend you money so easily.
(5) The car buyer accepts other additional conditions proposed by the bank through consultation.
If the car loan applicant is an enterprise legal person or a public institution legal person, the following conditions need to be met.
(1) has the ability to repay bank loans;
(2) During the loan application period, deposit enough funds into the bank account for bank inspection;
(3) Providing sufficient guarantees to banks;
(4) Willing to accept other necessary conditions proposed by the bank. Generally speaking, banks don't ask too much.
Does it help you to get a loan to buy a car in a 4S shop?
Go to the 4S shop to get a loan to buy a car. Will 4S stores help you do better? I will help you get it. You are responsible for providing formalities and supporting materials. You need to prepare it yourself. The 4S shop will help you get it later. Yes, they made it for you. It's just a handling fee. Of course they will. What about the free handling fee? Yes, they will charge a certain fee. As long as you provide information, they will handle it. They will help you get the money, otherwise there will be no handling fee. Yes, you have to pay the handling fee. Yes, there is a handling fee. No, you can't. The service charge is about 3000 yuan. As long as you provide proof, the 4S store will be ready for you. Yes, but the store will charge a part of the handling fee. Yes, shops can help you do your job well. The 4S store will help you complete the project that needs to be recharged. After all, there is a service charge! @20 19
Can I borrow money to buy a car directly from a 4s shop?
You can do it directly, but you have to pay a handling fee. You might as well go to the bank and do it yourself.
The car loan down payment is paid directly to the 4s shop, and the car down payment needs more than 20% of the vehicle price. The People's Bank of China stipulates that the down payment ratio of individual car loans and car loans shall not be less than 20%. However, due to the credit crunch during the year, some banks in Shanghai have increased the down payment ratio of personal car loans from 20% to 30%-40%.
If you want to buy a 100w BMW, you should pay 20%-50% down payment for buying a car by stages, and the general bank requires 40%-50%. Some car dealers can get 20% or even lower if they find some financing companies. In other words, if you pay the down payment for this car, you need to pay 20-50w, or even lower.
For car buyers who intend to apply for personal car loans from banks, they should prepare the down payment in advance according to the market price of the models, so as to avoid a temporary panic because they don't understand. The general bank's provisions on the amount of personal car loan products mainly include: personal credit or joint liability guarantee can guarantee a maximum loan of 200,000 yuan; Apply for mortgage of the purchased vehicle or real estate, and the loanable amount is 70%; If a third party applies for secured loans (except banks and insurance companies), the loanable amount is 60%.
Prepare the down payment and related formalities after the loan is approved. Then, according to the regular standards of car loan agents, it will be credited to the account of the car dealership. After the down payment is in place, the 4S shop will issue a full invoice for your new car according to the bank's loan notice and the proof that the down payment has been paid. After licensing, the relevant procedures such as vehicle registration certificate will be summarized in the bank, and the bank will directly transfer the loan amount to the 4S account.
In other words, the later stage is the lending relationship between our customers and banks. We borrow money from the bank, and the bank takes away our vehicles! After the general loan for car purchase is approved, the down payment and related formalities will be prepared, and then it will be credited to the car dealership account according to the regular standards of car loan agents.