——First, the customer applies for a mortgage to the car dealer, and then the guarantee company requires the customer to prepare personal information in accordance with relevant regulations. These materials include: ID card, income certificate, marriage certificate, residence certificate (hukou or temporary residence permit, etc.), house ownership certificate, driver's license, these six major copies. If the car owner is an employee of a state-owned enterprise, a copy of the work permit is also required. If the car owner is a self-employed person, he must also provide copies of business license, tax registration certificate, organization code certificate and other relevant documents. Of course, a guarantor with a household registration in this city is also required. After all the information is prepared, the guarantee company will conduct an on-site investigation and report it to the bank after confirming that the situation is true. Finally, the bank signs a loan contract with the customer.

——●Guarantee fees

——A certain guarantee company disclosed the charging standards to reporters: the cost of door-to-door investigation is 300 yuan within the Third Ring Road and 500 yuan outside the Third Ring Road; The file management fee is 200 yuan per year based on the loan period; the customer signs a loan contract with the bank and then pays the guarantee fee to the guarantee company. The amount of the guarantee fee depends on the loan amount and loan period. Currently, the loan period for car loans in Chengdu is generally between Within 5 years, if the loan is one year, the guarantee fee is 1.4-1.6 of the loan amount; if the loan is two years, the guarantee fee is 1.8-2 of the loan amount; if the loan is three years, the guarantee fee is 2.5 of the loan amount. At present, most car owners who take out loans to buy cars choose a loan term of three years.

——●Notes

——In addition to the above necessary information, there are also some issues that need attention: If the customer’s household registration is not in this city, the police station must issue the Proof of temporary residence; for customers who do not have real estate yet, a person who owns a real estate is required as a guarantee; for customers who buy a house with a mortgage, a copy of the house purchase contract and repayment passbook are required; for customers who have real estate but the property ownership certificate is still being processed, they need to be provided by The relevant real estate company shall issue a certificate.

——In addition, if the customer can also provide academic certificates, deposit certificates, utility payment certificates, etc., the loan application will be easier to pass.

——Buying a car with a loan also involves car insurance. Among the current car insurance types, only third-party liability insurance is compulsory. However, if you buy a car with a mortgage through a guarantee company, in addition to the mandatory third-party liability insurance, you also need to purchase full vehicle theft insurance, vehicle damage insurance and non-deductible special insurance.

What is automobile consumer credit?

That is, RMB guaranteed loans are issued to borrowers who apply to purchase cars. Banks and car sellers provide guaranteed loans to car buyers for the funds required to pay the car payment in one go, and work with insurance companies to provide car buyers with Provide corresponding credit insurance.

How to calculate the interest on car loan?

Based on the total initial loan amount, it is calculated based on the bank’s loan interest rate for the same period at the time of signing the contract. If the bank interest rate changes during the repayment period, it will be adjusted with the interest rate, which will be fixed every year.

How to calculate the monthly repayment for car loan? Car dealers generally use equal monthly repayments of principal and interest. The calculation formula is:

Monthly repayment = loan principal × monthly interest rate + loan principal × monthly interest rate ÷ loan term for car purchase ?

With one month as one period, the current loan car purchase period does not exceed 60 periods (i.e. 5 years), but it needs to be determined according to the user's situation, car model and purpose. If the purchased vehicle is used for rental operations, car leasing and other business purposes, the maximum term generally does not exceed 36 terms (i.e. 3 years).

Is it possible to repay early when buying a car with a loan?

Yes, during the payment period, if the user proposes to pay the remaining car payment in advance, it is acceptable. However, you must notify the lending bank in advance that interest will no longer be charged after the month following the month of full payment.

What is the bank’s loan interest rate for the same period during the car purchase period?

That is, the loan interest rate announced by the bank when signing the contract shall prevail. The interest rate for the same period refers to the interest rate for the same loan term.

What should I do if the price of similar models is adjusted during the loan purchase period?

If the price of the model purchased is adjusted during the payment period, whether it is raised or lowered, it will not affect the original price. The customer will still pay according to the contract price when he purchased the car.

What fees do you need to pay to buy a car with a loan?

1. Insurance cost

1. Vehicle loss insurance:

Passenger vehicles with six seats or less = insured amount × 1.2 + 240 yuan

Six Passenger cars with less than 6 seats = insured amount .

Passenger cars with more than six seats: 1,053 yuan for 50,000 yuan, 1,314 yuan for 100,000 yuan.

3. Year-round theft and rescue:

The rate for buses with less than six seats is 1; the rate for buses with more than six seats is 0.8.

The rate for Santana series models is 1.1.

The calculation formula is: premium payable = insured amount × rate

4. No deductible insurance:

(auto damage insurance premium + third party Premium) × 20

5. Credit insurance: Based on the loan amount, counted by years:

One-year term 1 to five-year term 2.2.

2. Guarantee fees

Based on the loan amount and calculated based on the number of years

1 for one year to 3.5 for five years

3. Bank loan interest rate (announced by the People's Bank of China in 2002)

1-12 months annual interest 4.78 monthly interest 0.444 24-month annual interest 4.94 monthly interest 0.4575

13-36 Monthly interest 4.941 Monthly interest 0.457537-48 months Annual interest 5.022 Monthly interest 0.46549-60 months Annual interest 5.002 Monthly interest 0.465

IV. Vehicle purchase surtax (before the new regulations are implemented)

Tax payable (domestic cars) = car model (tax included)/1.17×10

5. Vehicle inspection and registration fees

Vehicle inspection and registration fees 300- It ranges from 500 yuan

6. The vehicle and vessel use tax is about 200 yuan/year, and the road maintenance fee (5-seater car) is 1,320 yuan/year