Nowadays, loans to buy cars have basically stopped. Banks now mostly use credit cards as a carrier for credit card installment payments, and the interest rates are lower than loan interest rates. Generally, the longest period is 3 years, that is, 36 periods, and the handling fee (which can be understood as an interest rate) totals 12, which is nearly 5 points lower than the loan interest rate in the same period. If you catch up with bank activities, the handling fee for some models will be reduced or even waived.

Most models of 100,000 yuan require a down payment of 30, which is 30,000 yuan, and the installment amount is 70,000 yuan. Calculated based on 36 periods and 12 handling fees, each period requires repayment of 1,945 yuan, and the first repayment period requires a handling fee of 8,400 yuan, which means that the first repayment period requires repayment of 10,345 yuan. The remaining 35 installments will be repaid at 1,945 yuan each.

Car purchase installment is a special installment, and the limit has a certain relationship with the limit of the credit card itself, but it has little to do with your work and income. If your job is stable, you can apply for CCB installment without any mortgage or guarantee. If your job is not stable, you can mortgage your vehicle.

If you have any questions, you can ask, I will take care of this, I am very familiar with it