Buy it when there are preferential activities, and there may be an interest-free policy. If you look at it, you can take it for several years.

Second, how to get the cheapest loan to buy a car?

At present, car loans on the market mainly include bank car loans, credit card installment loans and loans from professional auto finance companies. If you only look at the loan interest rate, the credit card installment car purchase has greater advantages. At the same time, it is easier to buy a car by installment with a credit card than with a bank car loan. As long as the cardholder has good credit and stable income, there is generally no household registration and property restrictions. Generally, the down payment for a credit card car purchase is 30%-40% or more of the car price, and the minimum loan is 30,000 yuan. Because it involves multiple automobile brands, it basically covers low-end models. The down payment must be made by cash or deposit, and the credit card overdraft limit cannot be used.

For example, after consumers pay the down payment of 30%-40% of the car purchase price through "Easy Car Purchase" of China Merchants Bank, the balance can be paid interest-free in 12 or 24 installments, of which 12 installment (monthly) commission rate is 3.5% and 24 installment commission rate is 7%.

Recently, China Construction Bank launched a car purchase by stages with Longka credit card, which can avoid mortgage and zero interest, and some designated models can also enjoy zero handling fee concessions. The maximum installment amount of car purchase can reach 200,000 yuan, which does not occupy the normal credit line. Active brands include Guangqi Honda, FAW-Volkswagen, Beijing Hyundai, Kia of Da Yue, Dongfeng Peugeot and Citroen.

Similarly, there is Minsheng Bank's "Car Link" business, which has three loan methods: 12, 24 and 36. You can buy Elantra, Elantra and Yazun with a loan of 12 through the "Car Purchase Link", which is free of handling fees; The handling fee rate of the 24-term loan is 5.99%; Procedures for 36-installment loans ... At present, the auto loans on the market mainly include bank auto loans, credit card installment loans and professional auto finance company loans. If you only look at the loan interest rate, credit card installment car purchase has great advantages. At the same time, it is easier to buy a car by installment with a credit card than with a bank car loan. As long as the cardholder has good credit and stable income, there is generally no household registration and property restrictions. Generally, the down payment for a credit card car purchase is 30%-40% or more of the car price, and the minimum loan is 30,000 yuan. Because it involves multiple automobile brands, it basically covers low-end models. The down payment must be made by cash or deposit, and the credit card overdraft limit cannot be used.

For example, after consumers pay the down payment of 30%-40% of the car purchase price through "Easy Car Purchase" of China Merchants Bank, the balance can be paid interest-free in 12 or 24 installments, of which 12 installment (monthly) commission rate is 3.5% and 24 installment commission rate is 7%.

Recently, China Construction Bank launched a car purchase by stages with Longka credit card, which can avoid mortgage and zero interest, and some designated models can also enjoy zero handling fee concessions. The maximum installment amount of car purchase can reach 200,000 yuan, which does not occupy the normal credit line. Active brands include Guangqi Honda, FAW-Volkswagen, Beijing Hyundai, Kia of Da Yue, Dongfeng Peugeot and Citroen.

Similarly, there is Minsheng Bank's "Car Link" business, which has three loan methods: 12, 24 and 36. You can buy Elantra, Elantra and Yazun with a loan of 12 through the "Car Purchase Link", which is free of handling fees; The handling fee rate of the 24-term loan is 5.99%; The handling fee rate of the 36-term loan is 9.99%.

However, the credit card installment only cooperates with the designated car dealer, and the loan period does not exceed 3 years at most. The traditional bank car loan business can be limited to car models and car dealers. The loan period is generally 1 to 3 years, and the longest loan period of banks such as Agricultural Bank of China, Industrial and Commercial Bank of China and Shanghai Pudong Development Bank can reach 5 years.

3. What is the most cost-effective way to buy a car with a loan?

1. Look for the bank first, then the car shop. Regarding the loan procedures, it should be handled in the mode of "looking for a bank first, then looking for a car dealership". Nowadays, many car dealers will strongly demand bank loans for car buyers in order to promote their cars.

2. Ask about all the expenses of buying a car. People who borrow money to buy a car are often charged a handling fee, which is generally not mentioned. This is a hidden charge, and there is no clear regulation at home. So when you buy a car, you must ask whether this fee is available, and if so, how much. We can continue to bargain and even choose to buy from other car dealers when the cost is clear.

3. Credit card loans are the most cost-effective. Normal credit card installment payment, bank car loan, auto finance company loan, etc. Among them, the most economical is the unsecured form of credit card installment, which generally only generates handling fees and no interest.

It is unnecessary to buy a car with a loan. Most banks or financial companies only require insurance, auto theft insurance and vehicle loss insurance. Before we pay off the loan, the first beneficiary of insurance is the bank that provides the loan.

Fourth, how to get a car loan is the most cost-effective.

If you want to borrow money to buy a car, bank loans are definitely more cost-effective. Suppose you want to buy a car with a price of 6.5438 million yuan, with a down payment of 30% and a loan period of 3 years.

Bank loan: a car with a price of 6.5438 million yuan needs a down payment of 30,000 yuan, and the remaining 70,000 yuan needs a bank loan and an interest of 7,400 yuan (the benchmark interest rate of bank loan: 6.56%, one year; 2 years 6.65%; 3 years 6.65%; 4 years 6.90%; 5 years, 6.90%; ), the monthly payment is 2 150 yuan, and the total cost of buying a car is 107400 yuan, which is 7400 yuan more than buying a car in full.

Credit card loan: Because credit card loan needs no interest, you only need to pay the handling fee of 12% of the total loan amount in the first month, so if the loan is 70,000 yuan, you need to pay the handling fee of 8,400 yuan. The monthly payment is 1944 yuan, and the total cost of buying a car is 108400 yuan, which is 8400 yuan more than buying a car in full.

Corporate loans: the annual interest rate of loans for finance companies 1-3 years is generally around 8%- 12%. If the median annual interest rate is 10% and the loan is 70,000 yuan, you need to pay interest113 yuan, with a monthly payment of 2,258.7 yuan, and the total car purchase cost is113/3 yuan.

So all the expenses are clear at a glance, and bank loans are the most cost-effective. Million car purchase subsidy