Where to install GPS when buying a car with loan
Pacific Automotive Network GPS can be installed in the front and rear bumpers. The structure of the front bumper is uneven. Compared with the trunk, the GPS installed here will be more concealed and difficult to be discovered. The GPS can also be installed in the rearview mirror. There is a cover behind the rearview mirror. It is difficult to find the GPS if it is placed inside.
The trunk of the car is very large, and there are many places where it can be installed. The most common place is next to the taillight near the trunk, and most people don't care about this location. If there is a spare tire hanging at the rear of the car, it is usually placed in the spare tire, which is also very concealed. It can also be placed in the decorative panel under the front windshield. If it is placed in this area, it will be impossible to find it unless the front cover is disassembled. If it is wired, it is usually installed under the center console, A-pillar and steering wheel.
The reason why vehicles are equipped with GPS is very simple. After all, the loaned cars do not all belong to the car owners. Therefore, in order to know the whereabouts of the loaned cars at all times and avoid unnecessary losses, many businesses Car owners will be required to install GPS on their vehicles. (Pictures/Text/Photos: Wu Binbin of Pacific Automotive Network)
Is it necessary to install a GPS positioning system to buy a car with a loan?
It is not necessary to install a GPS positioning system to buy a car with a loan.
Whether to install GPS positioning can be negotiated by both parties, and both parties agree that there will be no problem with the installation. If one party forces installation, it is an overlord clause.
You should also pay attention to the following matters when buying a car:
1. Pay attention to details that are easily "overlooked" by dealers, such as delivery time, maintenance, repair and other after-sales services;
After the delivery time is breached, are the responsibilities of both parties equal?
Is free maintenance based on time or mileage? When signing a contract, consumers should pay special attention to the above details that reflect the dealer's contractual responsibilities.
2. Tying insurance is illegal. In addition to compulsory insurance such as car damage insurance and third-party liability insurance stipulated by the state, car buyers have the right to choose what kind of insurance to buy and the right to choose an insurance company.
3. The terms of the car purchase contract must be complete.
(1) The car’s brand, engine number, frame number and other factors that the car itself should have should be clearly agreed upon.
(2) The price should state the total price of the vehicle transaction (bare vehicle price or package price), payment method and term.
(3) Vehicle delivery method and deadline.
(4) Quality and objection handling.
(5) After-sales service terms should focus on what obligations the dealer should bear (for details, please refer to the relevant provisions of the "Product Quality Law", "General Principles of Civil Law" and "Consumer Rights and Interests Protection" ).
(6) Regarding liability for breach of contract. It also needs to be agreed in detail on what liability a party will bear when it breaches the terms of the contract or fails to fully and properly perform its contractual obligations.
(7) To resolve the dispute, the method of resolution should be agreed upon, such as arbitration, litigation; the jurisdiction of the contract, such as the place of residence of the car buyer, the place of registration of the dealer, or other places designated by both parties, can be The place of jurisdiction for disputes shall be agreed by both parties. If the agreement is unclear, the provisions of the Civil Procedure Law shall apply.
(8) Special attention should be paid to the details of the dealer's contractual responsibilities. These parts are often maliciously "ignored" by dealers. Car buyers should pay attention to protecting their own rights and ensuring that the rights and obligations of both parties are equal.
(9) It is also extremely important to choose a dealer with good strength and reputation, because the integrity of the dealer directly affects the performance of the contract.
When buying a car, don’t forget to ask or check the dealer’s background information. This information should at least include the registered capital of the “Enterprise Legal Person Business License”, and pay attention to whether the business location is consistent with the registration location to prevent encounters with commercial Fraud to protect your own legitimate rights and interests.
Extended information
Attention issues
1. Hidden costs need to be understood in advance: Generally, this situation is easy to occur with secondary dealers.
In fact, when consumers order a car, they only need to ask clearly about the fees included in the total price and whether there are other hidden fees such as:
New car inspection fees, delivery fees, etc., and Also pay attention to whether the loan contract is provided by a bank to avoid trouble when picking up the car.
2. Installment car insurance binding: If consumers choose to buy a car in installments with a credit card, generally car dealers will require a designated insurance company to apply for car insurance for a specified period. Consumers should pay attention to whether the car insurance price is Acceptable.
3. Verbal agreements are not guaranteed: Unless the consumer applies for an unsecured credit loan at a bank, withdraws the money, and then goes to a 4S store to buy a car in full, other forms of loans to buy a car will not be available. Full discount on the full purchase price of the car.
At this time, car sellers often promise various discounts to consumers verbally. Promises that are not put into writing are just words on paper. In order to avoid future problems, consumers will have to pay attention when choosing car loans. , need to be considered.
4. The loan amount should be clarified: Generally speaking, a maximum loan of 200,000 yuan can be obtained with personal credit or joint liability guarantee;
Apply with purchased vehicle or real estate mortgage. The loanable amount is 70%;
For third-party guaranteed loan applications (except banks and insurance companies), the loanable amount is 60%.
5. Understand the repayment methods: Banks generally provide two repayment methods: equal principal and interest and equal principal for users who apply for personal car loans. Among them, the total interest paid for equal principal and interest is relatively large, but the repayment amount in each period is the same, and the repayment pressure is dispersed more evenly;
The repayment amount in each period of equal principal and interest gradually decreases, although the total interest payment It is less than the equal principal and interest, but the upfront repayment amount is larger, so you should think twice about whether you can afford it.