Buying a car by mortgage doesn't require insurance for three years at a time. After buying a motor vehicle, you can buy auto insurance according to the wishes of the car buyer, and the seller may not force consumers to buy insurance. According to Article 10 of the Measures for the Administration of Automobile Sales, the residence of consumers is limited, and the accessories and services used in the "three guarantees" of automobile products such as auto parts, supplies, finance, insurance and rescue shall not be limited to consumers, and consumers shall not be forced to buy insurance or provide vehicles for them.
Second, the loan of 38,000 yuan to buy a car will be paid off in three years. How much is the monthly payment?
! !
Third, can the car loan only be borrowed for three years?
Car loans can only be borrowed for three years, mainly because the depreciation of vehicles is fast, the nature of vehicles is for personal use, and the applicant's credit is average. However, not all car loans are only three years, and some can apply for five years, but this situation is relatively rare. Most users apply for car loans for three years. If you want to apply for a longer term, you need users with strong repayment ability, high quality of work, stable economic income and excellent personal credit, then there is still a chance to apply for approval. Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. Extended data:
Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan. The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different. In addition to the above fees, the car loan of individual auto financing companies also needs to bear the supervision fee, fleet management fee and warranty renewal deposit. And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records. The specific steps of buying a car by credit card are roughly as follows: 1. The cardholder (or applicant) calls the credit card center of the bank or goes to the local bank to find out whether he can apply for a credit card car loan. 2. The cardholder will fill in the installment order of car purchase at the dealer with his ID card, and the bank background will review it. 3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures. 4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance. Finally, I can drive the car away smoothly. Loan terms: 1. Having valid identification and full capacity for civil conduct; 2. Can provide a fixed and detailed address certificate; 3. Have a stable occupation and the ability to repay the loan principal and interest on schedule; 4. Personal social credit is good; 5. Holding a car purchase contract or agreement approved by the lender; 6. Other conditions stipulated by the Cooperation Organization. Application materials 1. Original identity card, residence booklet or other valid residence certificate, and provide a copy thereof; 2. Proof of occupation and economic income, and running list of personal accounts in recent 6 months; 3 car purchase agreement, contract or letter of intent signed with the dealer; 4. Other documents required by the cooperation agency.