Materials that lenders need to submit for loan car purchase procedures: 1. ID card and household registration book 2. Loan application form 3. Housing certificate 4. Personal income certificate 5. Guarantor’s ID card? All documents in the household registration book must be original and Two sets of copies are necessary to obtain a loan: 1. Be a permanent resident of the location and have a fixed residence in the location; 2. Be over 18 years old and under 60 years old; 3. Have a stable income and the ability to repay the principal and interest of the loan, The monthly repayment amount shall not exceed 60% of the total disposable income of the family; 4. A third-party natural person must provide guarantee for the repayment of the principal and interest of the loan. Husband and wife are not allowed to insure each other; 5. During the loan period, a one-time insurance "Motor Vehicle" must be purchased from an insurance company recognized by the bank. Consumer Loan Guarantee Insurance" and continuous insurance of "Motor Vehicle Insurance"; 6. Have opened a "All-in-One Card" account; 7. Other conditions specified by the bank. Dealer: Go to the car dealer to inquire about car selection. Submit the materials you should submit to the dealer for preliminary review. Pay the down payment, select the car model, sign the car purchase contract, the bank will accept it, approve the insurance, etc. Go through the vehicle registration procedures and deliver it to the vehicle bank: Go through the loan application procedures, fill in the relevant information, the lawyer will make an appointment for a home visit, sign the relevant documents, and the bank will approve it and notify you that you can get a loan at a special dealer to choose a car, pay the down payment, and go through the relevant procedures. The bank will issue a loan, and you can go to the dealer to pick up the loan. Go to the bank to get the loan contract, IOU, vehicle insurance policy, etc. What fees need to be paid to buy a car with a loan? 1. Insurance cost 1. Vehicle loss insurance: Passenger cars with less than six seats = insured amount × 1.2 + 240 yuan; passenger cars with more than six seats = insured amount × 1.2 +600 yuan. 2. Third party liability insurance: Passenger cars with six seats or less: 936 yuan for 50,000 yuan, 1,170 yuan for 100,000 yuan; 1,053 yuan for more than 6 seats, 1,053 yuan for 50,000 yuan, 1,314 yuan for 100,000 yuan. 3. Year-round theft and rescue insurance: The rate for buses with less than six seats is 1; the rate for buses with more than six seats is 0.8; the rate for Santana series models is 1.1. The calculation formula is: Premium payable = Insured amount × Rate. 4. No deductible insurance: (auto damage insurance premium + third party premium) × 20 5. Credit insurance: based on the loan amount, counted by years: one-year period 1 to five-year period 2.2. 2. Guarantee fees? Based on the loan amount, calculated according to the number of years, ranging from 1 for one year to 3.5 for five years. 3. Bank loan interest rates (announced by the People's Bank of China in 2002): 1-12 months annual interest 4.78 monthly interest 0.44 24-month annual interest 4.94 monthly interest 0.4575 13-16 months annual interest 4.941 monthly interest 0.4575 37-48 months annual Interest 5.022 Monthly interest 0.465 49-60 months annual interest 5.002 Monthly interest 0.465 4. Vehicle purchase surtax (before the new regulations are implemented) Tax payable (domestic vehicles) = vehicle price (tax included)/1.17×10 5. Inspection Vehicle registration fees and vehicle registration fees range from 300 to 500 yuan. 6. Vehicle and vessel use tax is about 200 yuan/year? Road maintenance fee? Five-seater car? 1,320 yuan/year. Car purchase: What kind of measurement index is the most scientific? To measure the quality of a car, technical performance is an important basis. Among them, power and economy are the main indicators. Of course, when evaluating the quality of a car, the sales price and the individual needs of the consumer must also be considered. Four metrics are popular in the market today. Things to note when picking up the car: 1. Bring all receipts before picking up the car. Such as invoices, factory certificates, insurance policies, warranty certificates, and instructions. 2. When picking up the car, check the actual object according to the ticket. For example, check whether the car color, displacement, year of manufacture, frame number, and engine number are consistent with the actual situation. 3. Go around the car and carefully check whether the paint color and the color of the entire car are consistent. Whether there are scratches, peeling paint, cracks, blistering or rust on the surface of the car body. Check whether it is a second-hand car by touching it with your hands to see if there are any traces of repairs. Do not let dirt or dust cover any traces of damage.

4. Check the tire specifications. Check whether the spare tire has the same specifications as the other four tires (note: Bora has three types of tires: Goodyear, Continental, and Hankook. I prefer Goodyear). 5. Check the headlights (large and small lights) Check whether the hood is damaged, whether the doors and windows are intact, whether the rear view is good, and whether the front and rear windshields are damaged. 6. Press the front, rear, left and right corners of the car with your hands. After letting go, the pressed part will not beat more than 2 times, which means the shock absorber performance is good. 7. Check the car for leaks (coolant, lubricating fluid, brake fluid, electrolyte and refrigerant fluid). 8. Open the car door and check whether the seats in the car are complete and whether the front and rear seats can be adjusted. Whether the chair covers are clean, whether the sofa is genuine leather, and whether the floor is clean and well-sealed. Whether the door handle opens and closes flexibly, safely and reliably, and whether the door and window seals are damaged. Is the manual (or electric or hydraulic) window glass operating mechanism working properly? Check whether the scene image in the rearview mirror is clear. 9. Sit in the cab, turn on the power, and check whether the wipers and spray cleaner are working normally. Turn on the light system and check whether the headlights (large and small lights), brake lights, anti-fog lights, etc. are working properly. Press the horn button switch to check whether the horn sounds. Check whether the odometer has recorded numbers. The value should generally not exceed 60 kilometers for a new car (from Shekou to JS). 10. Start the engine and first observe whether the various instruments and alarm devices are working normally. When the water temperature and oil pressure are normal, When the engine is running, listen to see if the engine is running normally and if there are any abnormal noises; if the accelerator is released (relax the accelerator pedal), whether the idling speed is stable. Get off the car and observe whether the exhaust pipe smoke is normal. (It is better to have continuous exhaust and tasteless and colorless palms) 11. Carry out a road test to check the car's acceleration, idling, load, braking and other performance, control stability, driving smoothness and passability. 12. Check whether the front wheel shock absorber transportation protection sleeve (yellow) has been lifted. Step 1: External inspection when the vehicle is stationary 1. Look at the paint surface, and carefully look at the hood and roof plane at a 45-degree angle, because compared with the side elevation of the car, the paint effect on the upper plane of the car best reflects the level of the painting process. , is also the part most likely to expose flaws, no matter which paint layer is not handled well. They are prone to wrinkles and blisters. When the spray painting working environment is not hygienic, it is easy to leave spots on the paint layer, which will naturally greatly affect the appearance - no one wants to buy a car with "pimples", right? In short, the color of the car surface should be coordinated, uniform, full, flat and smooth, without pinholes, pitting, wrinkles, bubbles, flow marks and scratches, etc. The boundaries of different colors should be clearly separated. 2. Check whether the gaps in the door, hood, and trunk door are even and whether the door seam rubber strips are well sealed. When closing the door, just apply a little force, and the door should automatically lock, and the lock should be reliable. It should be flexible when opening, the door shaft should not be loose, and there should be no noise. The windows should be easy to open and close, and close tightly. The window glass should be transparent and without ripples, and the front windshield should not be dazzling. 3. The anti-scratch strips and decorative lines of the car body should be straight, with smooth transitions and consistent gaps at the interfaces. 4. The rearview mirror should have a clear image and flexible adjustment. 5. When the tire pressure meets the requirements, when looking in front of the car, the left and right symmetrical parts of the body, bumper, and man plate should be at the same height from the ground. 6. Check whether the model and pattern of the tires (including spare tires) are consistent and whether there are cracks or blisters. 7. Push or pull the upper side of the tire from the side until it feels loose. 8. Check the headlights. The type, specification, color filling and irradiation height of the symmetrically installed lamps should be consistent. When changing the far and near lights, the brightness and irradiation position should be correct without deviation or astigmatism. The installation and luminosity of various lamps should comply with the manufacturer's requirements. Factory instructions required. Step 2: Check the engine 1. Open the engine hood and check the engine and accessories for oil and dust, especially the joint between the cylinder head and the cylinder block, the oil filter interface, the air conditioning compressor, the power steering pump, the transmission shaft, etc. Are there any leaks in the gaps? Pull out the engine oil dipstick and see if the oil on the dipstick is clean and translucent. The oil level should be between the two scales. 2. Check whether the coolant and brake fluid levels are between the maximum (max) and minimum (min) scales. 3. Start the engine when cold. It should start smoothly, no more than 5 seconds each time, and it can be started after ignition once or twice. After starting, the engine speed should be stable, without shaking or abnormal noise.

4. When changing the engine speed, the transition should be smooth, and the corresponding pointer on the instrument panel should be responsive. When accelerating. The engine should be free of sudden explosions, misfires, backfires and gunshots. When stabilizing at a certain speed, the engine should make no abnormal noise, and the corresponding pointer on the instrument panel should be stable without obvious fluctuations. 5. After the engine has been running at low, medium or high speed for a period of time, let the engine stabilize at idle speed (generally 800-900r/min) for a certain period of time to see if the engine is stable and whether there is jitter or noise. 6. At the same time, observe the exhaust gas discharged from the exhaust pipe outlet at the rear of the car. It should be smokeless (except for steam when the ambient temperature is low) and odorless (put your hand near the exhaust outlet for a moment, and then check whether there are any oil stains on your hands. Smell it Smell if there is any smell). 7. After the engine has been stopped for a period of time, the hot car is started. At normal operating temperature (60-80 degrees Celsius), the engine should start successfully within 5 seconds. Step 3: Driving inspection 1. Before driving the car, press the brake pedal to the maximum strength and hold it for one minute. The pedal should not move down slowly. At the same time, you can use this time to see if the view ahead is broad and feel if the seat is comfortable. Note that if the seat is too soft, you may feel fatigued when driving for a long time. 2. When pressing the clutch. The connection should be smooth and the separation should be complete. No slipping, no shaking. 3. The transmission should be light and flexible in shifting, with accurate gears, no shifting, no random shifting, and no abnormal noise. 4. When driving at low, medium or high speed, it should be stable and there should be no noise in the car. 5. The car should accelerate quickly and powerfully. The shorter the time it takes to accelerate from an initial speed of 20Km/h to 40km/h, the better the power of the car. 6. When encountering uneven roads or running over stones while driving, the tires should have the ability to automatically return to their original position after jumping. 7. When driving straight at a speed of 20km/h-30km/h. Take your hands off the steering wheel temporarily to see if the car is drifting or slipping. 8. The steering mechanism should be flexible during driving and make an "O" shape. Check the turning radius (the smaller the radius, the better the car's maneuverability). When the wheels turn to the extreme position, they should not interfere with other parts. Make an "S" shape to see how flexible you can turn. 9. When shifting out of gear at a speed of 30km/h, the sliding distance should be more than 160 meters. You can refer to the telephone poles on the roadside. The distance between the two poles is usually about 50 meters. 10. Braking should be sensitive, rapid and powerful, without deviation or sideslip. Braking distance complies with factory specifications. 11. Refer to the instructions and try out the heating or air conditioning and other facilities on the car according to the season to see if they comply with the manufacturer's regulations. 12. Check whether the lights and various signal signs are complete, effective, accurate and reliable. 13. Finally verify the driving fuel consumption to see if the economic indicators meet the regulations. Step 4: Inspection after stopping 1. Open the engine hood and check again for oil, water, electricity and air leaks. 2. Observe whether there is any oil leakage at the front and rear shock absorbers, brake pumps, transmission, drive shaft, etc. at the bottom of the car. 3. On the ground with a certain slope, check whether the parking device is effective and reliable. 4. Touch the brake disc and drum carefully and quickly to see if they are hot to your hands. 5. Try out central control pins or door pins, anti-theft devices and other facilities to see if they are effective and reliable. Go through the above steps. You can roughly examine the performance of the car in terms of power, economy, reliability, etc. You can consider these together with other aspects such as ease of use, ease of maintenance, and convenience in supplying auto parts, and try to choose after-sales service guarantees. A manufacturer with a relatively complete system. For safety reasons, try to choose a car with airbags and ABS anti-lock braking devices. First: Dynamic performance. The dynamic performance index of a car is mainly represented by the maximum speed, acceleration ability and maximum gradeability. It is the most basic and important performance in the car's performance. In our country, these indicators are obtained by automobile manufacturers through prototype vehicle testing according to national test standards. Maximum speed: refers to the maximum driving speed that a car can reach on a level, good asphalt or cement road under windless conditions. According to our country's regulations, the last 500 meters of the 1.6-kilometer-long test road section is used as the test area for the maximum speed. Four round trips are required to take the average value. Acceleration ability (acceleration time): refers to the ability of a car to rapidly increase its driving speed while driving, usually expressed in terms of acceleration time and acceleration distance.

Acceleration capability includes two aspects, namely starting from the same place and overtaking acceleration. Now we will introduce more parameters of acceleration when starting in place. Because a car with good starting acceleration performance will also have good overtaking acceleration performance. Start-in-situ acceleration refers to the time required for the car to continuously shift to the highest gear with maximum acceleration intensity after starting from a stationary state, and accelerate to a certain distance or speed. It is the most important parameter that truly reflects the power performance of the car. The longer the time, The shorter the better. Second: Economy The economic index of a car is mainly represented by fuel consumption, which is an important performance in the performance of the car. Especially when my country implements fuel tax, the fuel consumption parameters of automobiles have special significance. The fuel consumption parameter refers to the amount of fuel consumed by the car when driving for 100 kilometers (measured in "liters" and "L"). In our country, these indicators are obtained by automobile manufacturers through prototype vehicle testing according to national test standards. It includes constant speed fuel consumption per 100 kilometers and cycle fuel consumption. Fuel consumption per 100 kilometers at constant speed: refers to the car driving this distance in the highest gear at different speeds on a flat and hard road. The average value is taken for one round trip and the fuel consumption is recorded to obtain the 100 kilometers of the car at different speeds. Fuel consumption. If you connect the fuel consumption of each speed section with dots, you will find that it is a parabola that opens upward. The most concave point is the speed section with the lowest fuel consumption, which is the "economic speed". Some manufacturers use this economic speed as a fuel consumption parameter. In fact, it is only a reference value because it is difficult for ordinary users to achieve it. The reason is the same as the "acceleration time" mentioned above. Cycle fuel consumption: refers to the fuel consumption of a car when driving in three working conditions: constant speed, acceleration and deceleration in a specified typical road section. Some also take into account the fuel consumption during starting and idling conditions, and then convert the fuel consumption into hundreds of kilometers. Generally speaking, the weighted average of cycle fuel consumption and constant speed fuel consumption per 100 kilometers (specified vehicle speed) to obtain a comprehensive fuel consumption value can more objectively reflect the fuel consumption of the car. On some automobile technical performance tables, the cycle fuel consumption is marked as "city fuel consumption", while the constant speed fuel consumption per 100 kilometers is marked as "constant speed fuel consumption." Third: Cost-Effectiveness Performance-price ratio refers to the ratio between the features and functions of the product itself and the price of a single product. That is to say, the value of the product must be determined based on the performance of the product. This is based on product performance as the main measure. Standard comparison method. A family car is a special product that combines beauty, power, comfort and safety. When users purchase a family car, they must comprehensively consider various factors such as appearance, technical performance, and safety performance. If a car has poor safety, no matter how low the price is, mature users will never be tempted; if a car with good safety guarantee and excellent technical performance is more expensive, users will still pay for it because it is worth the money. Fourth: Profit-price ratio The comparison of benefits is three-dimensional. It should not only consider performance, but also meet needs, and pay more attention to actual results. For example, if you need a private daily scooter, safety and comfort should be the primary selection criteria; if you need a car for housework and business, a sedan is more suitable than a hatchback. The performance-price ratio focuses on performance indicators, while the benefit-price ratio focuses on practical effects; the performance-price ratio focuses on comparing products; the benefit-price ratio focuses on one's own needs; the performance-price ratio is a rigid one-way comparison, while the benefit-price ratio is flexible Two-way comparison. Through the comparison of benefits and prices, we can find that when choosing a vehicle, we need to carefully classify and comprehensively consider various factors: performance, quality, service, and brand are all indispensable. As a vehicle of movement composed of nearly 20,000 parts and components, a car’s performance is important, quality is even more critical, service is the guarantee, and brand is the value. You can't choose them all, so you can only choose the one that suits you best.