1. Each bank charges different fees. For example, the installment fee of China Merchants Bank's credit card car purchase is calculated according to the formula of "installment fee per installment = total installment fee rate". 2. Car purchase by credit card installment is a credit card installment business launched by banking institutions. The credit limit that cardholders can apply for is 200,000-200,000, and some banks will decide according to the situation; There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for credit installment car purchase, and the bank only charges a handling fee, which is different for each installment. 3. Banks buy cars by stages, and the repayment fee of 12 is about 5%. Compared with the benchmark loan interest rate of 6.56% in the same period, it is more favorable and more economical than borrowing from financial service centers. 4, 65,438+10,000 yuan car installment, you can pay 20% or 30% down payment. If you want to pay a down payment of 20%, you need to pay a down payment of 20 thousand yuan. If you make a down payment of 30%, you need to make a down payment of 30,000 yuan. The rest of the money can be paid in 36 or 48 installments. During the monthly repayment period, there must be no overdue phenomenon, which will leave a bad credit record. Consumers must pay attention to timely repayment.

Second, what is the price-performance ratio of automobile staging?

Whether China Merchants Bank's car staging is cost-effective can be calculated and compared according to its actual situation and loan interest. If the funds are tight, you can choose installment, which is more cost-effective than other banks and consumer loans?

Third, how to stage a very cheap car?

First, the car down payment. Friends who plan to borrow money to buy a car should pay attention. Even if they borrow money to buy a car, they need to pay a down payment first. Generally, the down payment for car purchase is more than 30% of the total amount of car purchase, and there is also a zero down payment for car purchase.

Second, buy auto insurance. In addition to compulsory insurance stipulated by the state, car buyers can also choose to buy other auto insurance. Such as car damage insurance, three risks and so on.

Fourth, how to buy a car by stages is cheap, and is it cheap to buy a car on the new edamame?

Not cost-effective: I just bought the preferential scheme in April, 65438+2009, paid the down payment, signed a loan, and didn't get the last discount. The purchase tax and insurance are included in the loan, and I have to pay a penalty of 5% of the car price. The point is that I'm halfway through, and I still haven't made any progress.