Can BMW 5 Series buy a car by stages?
Netizen 123 said: BMW 5 Series can be paid in installments, and now the loan is 3% down payment. Then the remaining loan may be about 9 points of interest. It's easy to make a down payment and then pay off the insurance for three years in one lump sum. Netizen 343 said: Of course, buying a car can be mortgaged. Under the general down payment of 2-3%, BMW seems to be able to make five-year installments at most. Netizen 454 said: You can call 4S in Shijiazhuang to ask. As far as I know, the general mortgage for buying a car is the mortgage of the car itself, and no real estate is needed. As long as you have a stable income certificate that proves that you have enough repayment ability, you can apply for it ... Hehe ~
What channel is more cost-effective to buy a BMW 5 Series loan?
It is more cost-effective to buy a BMW 5 Series loan and use the bank automobile mortgage.
Information required for auto loan:
① Original ID card, household registration book or other valid residence certificate, and provide a copy;
(2) proof of occupation and economic income, and running list of personal accounts in recent six months;
③ car purchase agreement, contract or letter of intent signed with the dealer;
④ other documents required by the cooperation organization.
car loan processing flow:
first, the lender needs to prepare proof materials such as ID card, residence certificate, work certificate and loan purpose certificate. Go to the bank, fill out the application form and fill out the contract.
Second, wait for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill in some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and mortgage contract, and go through mortgage registration procedures. If the loan is unsecured, there is no need to sign such a contract.
(3) Banks provide loans to lenders. Generally, banks will issue loans within 2 to 3 weeks or 1 month after approval, and can issue loans within 1 day at the earliest.
finally, the borrower pays the down payment to the car dealer, and goes through the formalities of picking up the car with the passbook and car pick-up slip issued by the bank.
note: in the process of applying for personal automobile consumption loan, the applicant needs copies of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and other procedures.
ask! Buy a BMW 5 series loan 1. Traditional bank loans; Netizen Dudu said: Bank loans and BMW Finance repay the principal and interest on a monthly basis, and the insurance needs to be purchased for three years, and the beneficiary is the bank; However, the handling fee (actually interest) is deducted by credit card in installments, and the insurance only needs to be purchased for one year, and the beneficiary is the owner. The interest rate of the former is higher than that of the latter, and the former is relatively easy to approve, because even if there is a little credit stain before, it is ok, while the credit limit of the latter is not necessarily guaranteed, and any credit stain will not be approved. If the loan ratio is the same, there is little difference in down payment between the two. I hope it helps you.
how to buy a car with a 5-series 528li loan is the most cost-effective
The advantages of buying a car with a credit card loan are fast, simple and low threshold. Credit card loan procedures are relatively simple, and the audit is much lower than that of banks. Many credit card products have interest-free periods. If the car buyer pays the monthly bill in full and on time, there is no need to pay interest. But at this time, it should be reminded that the interest-free period and the handling fee are two different charges. When handling installment payment, although the bank does not charge interest, it will charge a certain handling fee. The fees vary according to the number of installments of bills, and the bank's interest rates and collection methods are also different.
detailed process from buying a car to picking up a car with a BMW 5 Series loan
It took me more than six months to prepare for buying a car and choose a car model. During the period, I was free to go online every night to inquire about information, which led me to be laughed at by LP adults and said that I was crazy about cars, 5555! ! ! After determining the model, because there was no laptop, I reported to the driving school in the summer vacation and began the arduous process of learning to drive. To be honest, it was really difficult to learn to drive at that time. You have to get up at 6 o'clock in the morning, and you'd better get to school before 6: 3, otherwise you will be scolded by the coach. Learning to drive in the afternoon is really hot. A car is like a steamer. After sitting for 2 minutes, you will sweat. Let's not talk about this, brother who learned to drive at this time.
1.2 book a car. It was originally agreed that the car could be picked up within 2-3 months. I don't want to call me on October 1th. I can pick up the car in 3-4 days. I stayed up all night that night, really! ! ! 1.5MT comfort version, storm silver, the wish of October 13 will really come soon. On the same day, 74,3 yuan was withdrawn from the bank, plus 2, deposits paid on October 1th and 1, deposits paid on October 2nd, and a total of 95,3 yuan was paid! JS probably made me a lot of money, so I can't help it. I can't reduce the price!
on October 13th, I asked my brother to help me drive to Lishui 4S store, 4k away, and put on 3M film (from JS), during which my brother also went to 1 yards (love, new car! ), brother statement: the brakes are good, you can use them gently (he drives a bus), the direction is light, the speed is fast, the sound is loud, and the wheels are too small! On October 14th, I got the license plate again as I wished, and now I can finally drive my own car with confidence! Ha ha! ! ! !
it's nearly 1 kilometers, and the overall feeling is quite good. I don't regret the primary election. The power is good, the appearance is ok, the brand is my favorite, and the sound is great. I connected a 2G mobile hard disk, and there are 18 32K high-quality MP3 players in the memory.
does the BMW 5 series car pay the down payment mortgage loan in advance?
now, when you buy a car, you can get a mortgage. The general down payment ratio is 3%, the minimum can be 2%, and the mortgage period is 3 or 5 years. For specific and accurate mortgage methods, it is best to consult 4s stores.
The p>22 BMW 5 Series offers a discount of 5, yuan. Which of the three schemes is more suitable?
Last year, BMW 5 Series beat Mercedes-Benz E-Class and Audi A6L, becoming the champion of luxury car sales with more than 16, vehicles. The 22 BMW 5 Series was launched in October last year. At present, the discount range is 5, and the entry-level model is 37,. This price has a considerable overlap with the 3 series. In addition to price concessions, BMW 5 Series also has a variety of car purchase support policies, including general loans and 1% down payment. Among them, in the 1% down payment scheme, 22 new cars can drive away the down payment of 42,6.
The front face of the p>22 BMW 5 Series is still the kidney grille design of BMW brand. The 22 BMW 5 Series cancelled the previous 54Li Executive Luxury Suit /M Sports Suit and added two 53Li Executive Luxury Suit /M Sports Suit models.
in the word-of-mouth list of car home, the BMW 5 Series scored 4.49 points. Especially in the treatment index, the score is the highest, reaching 4.81 points. Maneuverability has always been a selling point of BMW, but it seems to have changed in the past year. In 22, the 5 series also improved the comfort and overall balance.
Empty, with the length, width and height of 587*1868*15mm respectively and the wheelbase of 318mm, it performs well in the same type. In the interior design, the new car also follows the design style of the current model, equipped with a 1.25-inch central control screen, a 12.3-inch LCD instrument, AppleCarPlay, ambient lights and air short pillows.
in terms of configuration, the driver assistance kit has been added to the 22 BMW 5 Series, and four colors of Brazil Brown, Platinum Silver, Wine Red and hukaro Beige have been cancelled. All new cars have eliminated the innovation kit, hi-fi and rear window/rear window electric sunshade.
in terms of power, it is equipped with a 2.T engine, with maximum power of 184 HP and 252 HP, and peak torque of 29 Nm and 35 Nm respectively. The gearbox is matched with an 8-speed automatic manual gearbox. The standard version offers three power options, equipped with 2.T and 3.T engines respectively. The maximum power is 184 HP, 252 HP and 34 HP respectively, and the peak torque is 29 Nm, 35 Nm and 45 Nm respectively. In terms of transmission system, the whole system comes standard with an 8-speed automatic manual transmission.
car buying strategy
there are three main ways to buy the BMW 5 series: full payment, loan and 1% down payment.
the advantage of buying a whole car is that the total cost of buying a car is the lowest, and there is no need to pay other service fees. However, the entire car purchase threshold is high, even if you buy the lowest model, plus purchase tax and auto insurance, you need a budget of more than 4, yuan.
Buying a car with a loan can lower the threshold, but the threshold is still not low, because the price of the car is high. Moreover, because there is no interest-free plan, it is necessary to bear part of the interest cost. Its official website shows that the lowest interest rate is 5.88% among the various loan schemes on display.
1% down payment is the lowest threshold for buying a car. You can drive a 22 new car for more than 4, yuan, and you don't have to pay the purchase tax and the first year's auto insurance fee, so the application is convenient and quick. However, the total cost of buying a car in this scheme is high, and the car is not in its own name during the repayment period, and it can only be transferred after the repayment is completed.
each scheme has its own advantages and disadvantages. Which one suits you?
This article comes from the author of car home Chejia, and does not represent car home's point of view.
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