Can I buy a motorcycle with a loan?

Can I get a bank loan to buy a motorcycle? Is it okay to get a bank loan to buy a motorcycle? Because too many people look for bank loans to buy cars. A car is a car, and a motorcycle is a car. Everyone has their own preferences. Some people like cars, and some people like motorcycles. So can I get a bank loan to buy a motorcycle?

Since the purchase of motorcycles is for consumption purposes, most banks will provide loan support. As long as you can show off the three trump cards of stable job, considerable income, and good credit, and provide relevant application materials as supporting evidence, your successful application is bound to be successful, and you can obtain loan funds that are about 10 times your monthly income. However, since each bank has different risk control methods, there will be differences in the form of fund disbursement. Take foreign banks as an example. If the borrower uses the loan to purchase a car, Citibank will remit the loan funds directly to the car dealer's account for safety reasons. This is not the case with Standard Chartered Bank, which stipulates that users can receive cash directly at the counter if the loan limit does not reach 300,000 yuan.

In general, it is suitable to buy mid-to-high-end motorcycles. If you choose models such as Yamaha, BMW, BMWC650GT, Zongshen Piaggio VESPAGTS250, etc., with a price between 50,000 and 150,000 yuan, Applying is definitely the best option. On the other hand, if your purpose of buying a car is just for transportation convenience, and you prefer affordable models of around 10,000 to 20,000 yuan, and if you have a credit card, it is better to consider the credit card installment plan to buy a car. If your credit limit is limited or you do not yet have a credit card, it is wise to apply. .

Can I get a bank loan to buy a motorcycle? Obviously yes

Can I get a loan to buy a motorcycle?

Of course. There are two commonly used methods: 1. Credit card installment payment; 2. Installment payment at motorcycle shop. Another method is to find a small credit company, which is not recommended because of the high risks and high interest rates. 1. Credit card installment payment. Bring your proof of income and ID card and go directly to the bank to apply for a credit card. After getting the credit card, go motorcycle

Can I get a loan to buy a motorcycle?

Of course. There are two commonly used methods: 1. Credit card installment payment; 2. Installment payment at motorcycle shop. Another method is to find a small credit company, which is not recommended because of the high risks and high interest rates.

1. Credit card installment payment. Bring your proof of income and ID card and go directly to the bank to apply for a credit card. After getting the credit card, go to the motorcycle shop to pay the full amount and drive away. Then call the bank's service hotline to apply for installment repayment, and deposit the money into the card every month.

The advantage of this method is that there is no down payment and it has nothing to do with the motorcycle shop. From now on, you just have to pay off the credit card.

2. Pay in installments at a motorcycle shop. Generally, we sign a car contract first, pay a deposit at a motorcycle shop, and then go to the bank to go through the formalities, including providing information and signing loan details. If there are no problems, the bank will give the motorcycle shop a loan agreement in about 5 working days. Then you pay the down payment and you can take delivery of the car. Subsequent payments only require regular repayments (principal and interest).

There are several points to note here: 1. Use a credit card to pay in installments. Make sure the credit card limit you apply for is enough to purchase the vehicle in one go, and don't forget to tell the bank to pay in installments.

2. If you are paying in installments at a motorcycle shop, you must sign the contract first and read the terms clearly. This is your own protection.

Process of buying and selling second-hand cars

1. Check license:

The identity certificate and authorization provided by the second-hand car market to both parties or other agents of the second-hand car transaction prove. The second-hand car is owned by an individual and has the original purchase invoice or the second-hand car sales invoice from the last transaction. Both parties to the transaction need to sign a "Second-hand Car Transaction Contract."

2. Audit the vehicle:

Verify whether the license plate number, engine mark number and frame mark number are true and valid.

3. Assessment and evaluation:

State agencies, state-owned enterprises, and public institutions that are state-owned assets need to prepare a vehicle appraisal and appraisal report issued by a second-hand car appraisal and appraisal agency.

4. Transaction invoicing:

The second-hand car market issues a "unified second-hand car sales invoice" for vehicles with legal documents and complete certificates, and charges transaction management service fees.

5. Handle the transfer procedures of ownership and membership;

Documents of both parties to the second-hand car transaction, such as "Motor Vehicle Registration Certificate", "Motor Vehicle Driving License", "Used Car Sales Unified Invoice", "Motor Vehicle Transfer Registration Application Form", etc. , are ready to go through the registration change procedures such as ownership transfer and registration transfer at the local public security vehicle management office.

6. When purchasing a second-hand car, the buyer should ask the original car owner for the "Vehicle Purchase Tax Payment Certificate":

The second-hand car buyer who has gone through the vehicle purchase tax exemption procedures should apply to the tax The agency will re-go through tax declaration or tax exemption procedures. Otherwise, it will be handled in accordance with the provisions of the Tax Collection and Administration Law.

7. Change of road transportation certificate:

Operating vehicles should take the newly applied "Motor Vehicle Driving License" and "Motor Vehicle Registration Certificate" to the traffic management department to change the "Road Transportation Certificate". Transportation Certificate".

8. Insurance change:

Bring the originals of "Motor Vehicle Driving License", "Motor Vehicle Registration Certificate" and "Insurance Policy" to the insurance company to change the vehicle insurance policy holder. Can I get a loan to buy a motorcycle? The process of buying and selling a second-hand car @2019

Can I get a loan to buy a motorcycle?

Can I get a loan to buy a motorcycle? Can I get a loan to buy a motorcycle? Motorcycles can be purchased with a mortgage loan. The following are commonly used methods: 1. Credit card installment payment. , 2. Apply for installment payment at a motorcycle store. , 3. Find a small loan company, but this method has high risks and high interest rates, so it is not recommended. , More introduction: , 1. Credit card installment payment: , Bring proof of income and ID card and go directly to the bank to apply for a credit card. After getting the credit card, go to the motorcycle shop to swipe the card in full, and you can drive away. Then call the bank's service hotline to apply for installment repayment, and deposit the money into the card every month to repay it. , 2. Apply for installment payment at a motorcycle store: Sign a car ordering contract and pay a deposit at a motorcycle store, and then go to the bank to apply for a loan. After paying the down payment, you can pick up the car. Subsequent payments only require regular repayments (principal and interest). @2019