Bank cards cannot be used to pay for motorcycles in installments. A credit card allows you to purchase a motorcycle in installments.

Now you can get a loan for a motorcycle, but it varies from place to place. You need to provide your ID card, household register, marriage certificate or single certificate, work and company fixed phone numbers, etc.

You can use a credit card or apply for installment directly in the store.

1. Credit card installment payment

1. The buyer goes directly to the bank to apply for a credit card with proof of income and ID card. After getting the credit card, go to the motorcycle shop to pay the full amount. Can drive the car away.

2. After paying with a credit card, the buyer calls the bank's service hotline to apply for installment repayment, and just deposits into the card to repay the money every month. It has nothing to do with the car shop and there is no down payment.

3. The prerequisite for credit card installment payment is that the overdraft limit of the credit card applied for by the buyer is sufficient to buy a motorcycle.

2. Apply for installment payment in a specialty store

1. The unit where the buyer works should provide a certificate to the specialty store.

2. The store then obtains the motorcycle payment through the bank.

3. The buyer only needs to pay the bank interest once for the down payment, and then the payment will be made in installments according to the bank.

4. The buyer will pay a certain percentage of interest.

Extended information

Sufficient budget

In the final analysis, it is a choice of consumption perspective. Generally speaking, if the budget for purchasing a motorcycle is estimated, If it reaches 100,000 yuan, it is basically sufficient in terms of material conditions. At least it has a certain spending power. Under such a prerequisite, it is not difficult to buy a motorcycle worth 100,000 yuan, but when it comes to payment Regardless of whether the budget is sufficient or not, you can choose to pay in installments or in full.

For some thoughtful people, they prefer to buy a car with a loan, because the loan pressure will be very small. After paying the down payment, you only need to pay back a little every month, and you can use the remaining money to do things. In investment, the money invested can exceed the interest paid. For others, it is easier and simpler to pay off the full amount. They do not have to worry about paying back the money every month, and there is no need to pay more interest to others and no handling fees. The editor feels that this matter needs to be dealt with based on personal circumstances. Everyone's car needs and values ??are different, so the way they look at the problem is also different.

Insufficient budget

Some riders are more enthusiastic about motorcycles. Relatively speaking, within their own consumption structure, they can reduce expenses elsewhere in order to ride motorcycles. , when looking at a motorcycle worth one or two hundred thousand yuan, but the funds prepared cannot be reached in a short time, the only way to buy a motorcycle at this time is to pay in installments.

At this time, the first thing to do is to understand your own needs and budget. If buying a motorcycle to exceed the budget will have an impact on normal life, I personally think at this time There is no need to buy any more. The key point is rationality.

So in summary, whether to pay in full or in installments depends on the individual's financial situation. Whether it is good or bad depends on needs and uses. If the assets can be used reasonably, then installment is also a very good way, but it must be Calculate this account carefully. When buying a car, everyone should also read the various contract terms clearly. People with insufficient funds should pay attention to the details when buying a car. There may be additional charges for each item, so you should ask clearly before making a decision.