I am doing car loan in Changsha. There are many companies in automobile mortgage, such as Fanpu Credit Company, Ping An Pratt & Whitney Loan Company, China Post Loan Company and Bank of China Loan Company. , are all loan companies with bank background. The cost is average, but there are certain requirements for credit reports. Vehicle mortgage loan companies with micro-loan networks have no requirements for credit reporting. Micro-loan online lending company is a national chain store with the nature of internet finance, which can be considered.
Second, what are the costs of buying a car with a loan?
Some expenses involved in the process of buying a car with a loan:
(1) The down payment for car loans is generally 40% of the car price. Of course, some borrowers with better qualifications, such as high-income customers of institutions or large companies, can be appropriately relaxed to 30%.
(2) Part of the insurance required for new cars is compulsory insurance, and all car buyers need to pay insurance premiums, such as car damage insurance, three-way insurance, and vehicle personnel liability insurance, which involve many types of insurance, and the cost of auto insurance is directly related to the car price of car buyers, which may be slightly different.
(3) notarized mortgage of vehicles in the case of notarized mortgage.
(4) Registration fee From the word, the registration fee is the cost of handling the car license. It is understood that the registration fee for new cars mainly includes the fees paid for on-line inspection of new cars, the fees for taking photos of extension numbers and the fees for licensing new cars. Zero zero always comes down in the end, probably around 300 yuan, and there may be no slight difference between regions.
(5) The performance bond only means that the guarantee paid at the time of loan is close. After the mortgage loan is completed, the borrower will refund the deposit in full, and the vehicle below 300,000 will be charged 3,000 yuan.
(6) The credit fee is generally charged at 1% of the borrower's loan amount, with different differences.
Required information 1: personal loan application;
2. Personal valid ID card, household registration book, military officer's card, passport, travel permit for Hong Kong and Macao compatriots to and from Taiwan, etc. If the borrower is married, the identity certificate of the spouse shall be provided;
3. Household registration certificate or long-term residence certificate;
4. Personal income certificate, family income or property certificate when necessary;
5: Through car dealers.
6: Loan to buy a car down payment certificate;
7. If the purchased vehicle is secured by other means than mortgage, relevant materials of the guarantee shall be provided, including the pledge certificate, the letter of intent for the third party guarantee, etc.
8. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the affiliation agreement and lease agreement for the vehicle to be affiliated with the transport fleet;
For handcart, it is also necessary to provide a vehicle evaluation report issued by the car purchase evaluation agency; Vehicle seller's trading vehicle "motor vehicle registration certificate" and vehicle annual inspection certificate, etc.
3. What are the cars that can be loaned?
Mortgage loan is the best choice for many borrowers if they want to get high loans to solve the capital problem smoothly. Common mortgage loans include real estate mortgage and automobile mortgage. If you apply for automobile mortgage, do all the cars have to be used as collateral to apply for loans? It is understood that the following five types of cars, no matter how big the brand and the value of the car, are not very popular with banks in the application process. 1, operating vehicles. This means of transportation, such as trucks, buses, taxis, etc. Generally speaking, it is not allowed to apply for a loan because of the high risk. 2. Vehicles under the company name. It is troublesome to apply for mortgage loans for such vehicles, and lending institutions are usually unwilling to accept them. 3. Vehicles that have been mortgaged. Such vehicles have been mortgaged, and most of the rights are in the hands of lending institutions, so they cannot be listed and traded. In order to control risks, most lending institutions rarely accept the business of second mortgage of automobiles. 4. Frozen vehicles. This kind of car can run normally, or go to the vehicle management office for annual review, but it can't be bought or sold, nor can it be used for mortgage or loan application. 5. Vehicles with serious traffic accidents. This kind of vehicle, because of a serious traffic accident, will depreciate sharply and its listing and trading ability will be greatly reduced. Lending institutions generally do not accept such vehicles to apply for loans. Different institutions have different specific requirements for collateral. In order to expand the loan approval rate, it is suggested that users in need can consult several lending institutions and choose the most suitable mortgage products.
4. What are the loan models?
Many cars can get interest-free loans, and the partners of each bank are different, so the relative brands and models are different, depending on which banks the local dealers cooperate with. Recognize the misunderstanding of interest-free car loan. Interest-free car loans generally have to bear high handling fees, which is a bit like "robbing Peter to pay Paul". The cost at one end is reduced, and the search cost at the other end is increased. Anyway, businesses are profitable and it is impossible to provide free lunch. Therefore, as long as the car buyer does a little calculation, he will find that "the wool is on the sheep" and it is still a big head. Therefore, car buyers should pay attention to differentiated accounting, do not have the consumption mentality of taking advantage, and avoid irrational consumption caused by temporary fanaticism. The procedure of solving the car loan contract is complicated, so the car buyer should be clear about the car loan scheme before handling the car loan to avoid unnecessary trouble. Merchants are experts in cost calculation, so car buyers should also make a small abacus in their hearts to see if the car loan activities launched by merchants are cost-effective. Does the word "free" mentioned in those promotional advertisements really save money? Take a closer look at those "zero-interest-rate" car loan schemes, most of which are bundled with auto insurance, and compulsory full insurance requires car buyers to carefully settle accounts themselves. Behind the promotion policies of car dealers, the cost paid by car buyers is often implied, so car buyers should choose carefully. There are also some car dealers who tie the car loan business to the car price. Therefore, car buyers should pay attention to the black-box operation of car dealers on car prices, and pass on the fees, interest and other related expenses required for car loans to cars ... Many cars can be loaned without interest, and the partners of each bank are different, so the relative brands and models are different. It depends on which banks the local distributors cooperate with. Recognize the misunderstanding of interest-free car loan. Interest-free car loans generally have to bear high handling fees, which is a bit like "robbing Peter to pay Paul". The cost at one end is reduced, and the search cost at the other end is increased. Anyway, businesses are profitable and it is impossible to provide free lunch. Therefore, as long as the car buyer does a little calculation, he will find that "the wool is on the sheep" and it is still a big head. Therefore, car buyers should pay attention to differentiated accounting, do not have the consumption mentality of taking advantage, and avoid irrational consumption caused by temporary fanaticism. The procedure of solving the car loan contract is complicated, so the car buyer should be clear about the car loan scheme before handling the car loan to avoid unnecessary trouble. Merchants are experts in cost calculation, so car buyers should also make a small abacus in their hearts to see if the car loan activities launched by merchants are cost-effective. Does the word "free" mentioned in those promotional advertisements really save money? Take a closer look at those "zero-interest-rate" car loan schemes, most of which are bundled with auto insurance, and compulsory full insurance requires car buyers to carefully settle accounts themselves. Behind the promotion policies of car dealers, the cost paid by car buyers is often implied, so car buyers should choose carefully. There are also some car dealers who tie the car loan business to the car price. Therefore, car buyers should pay attention to prevent car dealers from operating in the black box on car prices, and transfer the fees, interest and other related expenses required for car loans to car sales profits, confusing some ignorant car buyers. In the car loan market, due to the slow speed and cumbersome procedures of the bank's car loan business, professional car loan companies have rushed to the beach and quickly occupied half of the car loan market. Insiders pointed out that according to the concept of "specialization in the industry", professional car loan companies will seize the car loan market from banks and car dealers in an all-round way, and car buyers are also optimistic about its success, leaving the personal car loan handling affairs to professional car loan companies to take care of them comprehensively, so as to avoid hiding left and right in various promotional advertisements, or inevitably being recruited and losing rational consumption.