Pay attention to details when buying a car with a loan.

One: interest-free car loans cannot be exempted from handling fees.

At present, many auto financing companies have launched interest-free car loans, but the regulations on handling fees are different, some need to be charged, and some don't. If the car you want to buy is interest-free and fee-free, it is still relatively affordable. If you need to charge a handling fee, you must carefully calculate and measure it.

Two: read the relevant insurance clauses carefully before applying for a car loan.

Buying a car with a loan is to mortgage the car to the bank. The car belongs to the bank before you pay off the bank loan. In order to reduce the risk, banks generally require you to buy some auto insurance as a loan condition in the car loan contract. The premium of these insurances may not fully meet your requirements, and may even be too high, so you must read the relevant insurance clauses carefully when applying for a car loan, and you can't ignore this cost.

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Three: there are many restrictions on buying a car with a zero-interest loan.

Many manufacturers and car loan agencies have introduced interest rate loans to buy cars, especially some high-end cars. However, there are two restrictions on buying a car with a general interest rate loan: first, you can't enjoy the cash discount for activities related to zero interest rate, and sometimes the amount of these cash discounts is quite large; Second, buying a car with interest rate loans is easily restricted by time, region and dealers, and it is not always a unified activity. If you want to buy a car with an interest rate loan, the above two aspects must be considered comprehensively.

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Fourth, seriously consider the floating car payment and loan interest rate.

Generally speaking, if it is an interest-free loan, the car price will always rise to a certain extent, and the price of cash car purchase and loan car purchase cannot be the same. In this case, you have to calculate how much the floating amount is, and whether it exceeds the total interest of buying a car with a commercial loan. If it exceeds, you may wish to apply for a commercial vehicle loan. If not, you can apply for an interest-free loan.

2. Is there a handling fee for buying a car with an interest-free loan?

There is a handling fee. (Interest-free handling fee for car loans is inevitable)

Generally speaking, the lender is a valid personal identity document when handling the car loan process. Including resident identity cards, household registration books, etc. If the borrower is married, please provide proof of spouse identity (note: under the same conditions, married people are more likely to get loans than unmarried people). Provisions on auto loans are as follows: Application materials to be provided:

Personal valid identity document. Including resident identity cards, household registration books, etc. If the borrower is married, proof of spouse's identity shall be provided. 2. Certificate of intention to buy a car issued by the car dealer. 3. Household registration certificate or long-term residence certificate. 4. Personal income certificate, and provide family income or property certificate when necessary. 5. If the purchased vehicle is secured by other means other than mortgage, relevant materials for the guarantee shall be provided. 6. Proof of down payment for car purchase. 7. 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.

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What is an interest-free loan:

1. Definition: An interest-free loan is an interest-free loan. Interest-free loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The interest rate is paid by the bank free of charge or by the government or corresponding institutions under agreed conditions. 2, interest rate zero interest rate ",a loan contract reached between a bank and an individual or organization through mutual trust. General international private commercial banks provide interest-free loans, including consumer bank loans for weddings, shopping or further studies. A handling fee of about 1% will be charged, which is a bank income. At least offset the administrative expenses, and then the bank will cooperate with the request to add credit cards or wedding photography or various members or open trading accounts when the loan is interest-free. This is a wonderful way to expand customers. Some or many future trading opportunities, and even they may be rewarded for expanding their achievements in the competition. 3. The process of small secured loans has a clear division of labor among all departments. The application is accepted by the labor department, then the guarantee institution confirms the guarantee, and finally the bank applies for a loan. If entrepreneurs want to apply, they can consult the local labor department. At present, whether individuals pay interest first, then financial subsidies, or finance pays interest in advance, the relevant scheme has not yet been determined, but the financial discount is certain. "

3. Is there a handling fee for buying a car with an interest-free loan?

There is a handling fee. (car loan interest-free procedures

Proof of handling the car loan process. Including resident identity cards, household registration books, etc. If the borrower is married, please provide proof of spouse identity (note: under the same conditions, married people are more likely to get loans than unmarried people). The auto loan provisions are as follows:

Application materials to be provided:

Personal valid identity document. Including resident identity cards, household registration books, etc. If the borrower is married, the identity certificate of the spouse shall be provided.

2. Certificate of intention to buy a car issued by the car dealer.

3. Household registration

4. Personal income certificate, and provide family income or property certificate when necessary.

5. Relevant materials needed to provide guarantee for the purchased vehicles.

6. Proof of down payment for car purchase.

7. If the vehicle purchased by the loan is commercial and legally used for operation.

Extended data

What is an interest-free loan:

1, definition

An interest-free loan is an interest-free loan. Interest-free loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them, in which interest is paid by the government or corresponding institutions.

2, interest rate zero interest rate ",a loan contract reached between a bank and an individual or organization through mutual trust.

General international private commercial banks provide interest-free loans, including consumer bank loans for weddings, shopping or further studies. A handling fee of around 1% will be charged.

At least offset the administrative expenses, and then the bank will cooperate with the request to add credit cards or wedding photography or various members or open trading accounts when the loan is interest-free. This is a wonderful way to expand customers. Some or many future trading opportunities, and even they may be rewarded for expanding their achievements in the competition.

3. The process of small secured loans has a clear division of labor among all departments. The application is accepted by the labor department, and then the guarantee institution confirms the guarantee. Finally, banks can consult the local labor department when applying for loans. At present, it has not been determined whether individuals pay interest first, then financial subsidies, or financial interest in advance, but the financial discount is certain. "

4. does 4.Link charge interest-free fees?

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1, there is a service charge if it is interest-free.

2. If the 4s shop introduces the car purchase policy of interest-free loan, it is equivalent to a discount, but basically there will be a handling fee for the loan to buy a car.