Interest-free loans are more cost-effective. A few years is interest-free, and after a few years, interest will be needed, according to your own situation.

Second, how to buy a car by installment?

It's not cost-effective, not to mention the interest you need to pay in installments. Cars are a kind of consumables, which begin to depreciate as soon as they are sold, and installment payment is to spend more money on depreciated assets than the original price, which is definitely not a cost-effective behavior. It only advances the time for you to own this asset in this way, that is, to buy a car with money. You should know that the beneficiary of installment payment is a bank or financial institution. As many banks now have a higher threshold for auto loans, more financial companies, especially those from the same department as automobile manufacturers, begin to handle convenient loan procedures for customers (for example, the financial company of Shanghai General Motors has gmac loans). Secondly, the requirements for car buyers are: generally, people with normal wages, preferably with provident fund, real estate (property rights) or married. Of course, if you have any other written documents to prove your paid loan strength, you can. Then how much can we borrow? The general loan amount is not higher than 80% of the car price, and the rest is called down payment. Some banks or financial institutions need you to pay a down payment before the loan. The loan term is one year, two years, three years or five years. If the loan is 80,000 to10,000, three years is the best choice, and five years will lead to higher interest expenses. Car buyers are most concerned about the process: generally, you have to submit the form that the bank needs you to fill in first (it is better to write it in detail, they will check it) and some basic materials (ID card, household registration book, marriage certificate, etc.). , the bank will tell you), as well as the residential telephone bill with your name on it, the water, electricity and coal bill, the vehicle price (fare), the vehicle information parameters on the certificate (provided by the car dealer) and so on. If the bank agrees to the loan, you must sign a vehicle loan mortgage contract, one for the bank and one for you; You must sign a car sales contract, one for the car dealer, one for you and one for the bank. After signing the contract, the car dealer will pay the down payment, and the car dealer will contact the bank to let the bank lend money. In this case, all the fare will be paid! Vehicle insurance follows the loan term. If you borrow for three years, you will be insured for three years, but now some financial companies can let you pay the premium year by year. Insurance covers one more theft than a one-time payment vehicle, because the car belongs to the bank before you pay it off. When the car payment arrives, it means that you have paid the car fee, so you can directly pick up the car or apply for a license plate. After applying for a license, you will give the vehicle production certificate, invoice, insurance policy, driving license, ID card and household registration book to the bank, and after mortgage, the bank will return the driving license and ID card household registration book to you. These are detailed enough. Finally, don't forget to deposit money in the passbook. The bank will deduct money regularly, and the details of deduction will be sent to you.

Third, how to buy a 70,000-80,000 car by installment?

You can make 24 interest-free payments with 30% down payment, because if you pay with 30% down payment, the amount is not much, the pressure is very small, and there is no interest and there is no need to generate too much interest, which is very cost-effective.

Fourth, how to buy a car by stages is the most cost-effective and practical?

How to buy a car in installments is the most cost-effective?

At present, there are four main types of car owners who buy cars by installment, each with its own advantages and disadvantages:

① excellent credit card purchase by installment: the approval is quick, the procedure is relatively simple, there is no need for asset mortgage or guarantee, only the handling fee is required. Insufficient: there are certain restrictions on applicants, and the longest installment is 36, so more attention is paid to credit.

② Loan from Zhuoyue Auto Finance Company: Apply at the dealer, with long loan period and flexible repayment method at low interest rate. Insufficient: only this brand of business is provided, with high interest on car loans, strict examination and approval, and many charging items.

③ Excellent bank car loan: There is no vehicle type restriction, the repayment time is flexible, and it is easier for high-end customers to apply. Shortcomings: the examination and approval is troublesome, the loan period is long, and it is difficult for individuals to apply for real estate mortgage.

(4) Excellent car loan cooperation between manufacturers and banks: simple approval, high pass rate, free of interest rate and handling fee, and without any additional conditions. Shortage: short installment, high repayment pressure, and 50% down payment is required.