With the development of the times, people's ideas have changed, and advanced consumption has become a means for modern young people to meet their hedonic needs. Buying a car by loan is a relatively large part of loan consumption. Many young friends want to borrow money to buy a car, but they are worried about the risks.

There are two kinds of public loans to buy cars, one is through bank loans, and the other is through auto financing companies. From the interest rate alone, the bank's loan products still have certain advantages, but the gap with other products is narrowing. The threshold of auto financing loan is lower, the process is simpler than bank loan, and the procedure of issuing loan is much simpler. The following are some problems that should be paid attention to when buying a car with a loan. I hope it helps you.

1. Pay attention to the loan channel. Before buying a car, consumers must choose and understand the regular auto sales and auto financing guarantee companies to handle automobile mortgage business, and learn about the reputation and reputation of mortgage and sales companies through various channels to avoid illegal dealers deliberately increasing collection.

2. Pay attention to the loan amount. If there is personal credit or joint liability guarantee, the maximum loan can be 200 thousand yuan; Apply for mortgage with the purchased vehicle or real estate, and the loan amount is 70%; If there is a third-party secured loan application (except banks and insurance companies), the loanable amount is 60%.

3. Pay attention to the repayment method. General banks provide users who apply for personal car loans with equal principal and interest and average repayment methods: the total interest paid by equal principal and interest is more, but the repayment amount in each period is the same; The repayment amount of each period in the average capital gradually decreases, but the repayment amount of the previous period is larger. Each has its own advantages and disadvantages, but you should choose according to your personal situation.

4. Pay attention to procedures such as signing contracts. Signing a contract is a big deal. Don't sign a contract without knowing it in order to save trouble or trust the dealer. The down payment and handling fee must be carefully considered or consulted by professionals.

5. Pay attention to car insurance. Insurance is a necessity for everyone who owns a car. There are more and more types of automobile insurance. Many consumers don't know the specific insurance content, so they are easily fooled. Therefore, they should read the relevant terms carefully and choose the formal channels.

Second, the amount of loan to buy a car.

Hello, if the car loan is financial, you can press 43600, which is a specific number, there is no integer. If it's a bank, it's usually the whole thousand, which is 43000.

3. What is the general loan amount of auto loan?

For reference:

Personal automobile consumption loan amount: the maximum loan is 2 million yuan. And the maximum loan amount does not exceed 80% of the price of the purchased vehicle (excluding various additional taxes and premiums). The maximum amount of personal car loan for imported cars shall not exceed 70% of the price of the purchased car (excluding all kinds of additional taxes and insurance premiums).

Term: The loan term is generally not more than 3 years, and the longest is not more than 5 years (including the cumulative term after the loan extension).