There is a certain fee for installment payment. Like loans, some businesses cooperate with banks. As long as they are staged according to the bank's staging regulations, there is no need for additional fees. Installment payments are usually provided by banks and installment suppliers. Banks provide consumers with personal consumption loans equivalent to the amount of goods they buy, and consumers use the loans to pay their suppliers, who provide guarantees for consumers and bear irrevocable joint and several liabilities. Young people who spend by installment are often called "installment families".
Ordinary bank cards, savings cards and debit cards cannot be divided into stages. It is suggested that bank credit cards can be paid in installments. Credit card installment refers to the cardholder. Guangfa Bank has its own Guangfa Credit Card Mall, which can support credit card installment payment. In addition, some merchants like Taobao also support it.
Debit cards cannot be paid in installments. Installment payment must be made by credit card, and it must be a credit card type supported by the mall. Some shopping malls only support credit cards of some banks. Most shopping malls support credit card payment of almost all banks.
Now the online finance industry is developing rapidly, and our common traditional loan industry is also booming on the Internet, so online small loans are also its derivatives. However, not everyone can borrow money smoothly in all small loans because of the lack of some information or other problems.
When handling automobile mortgage through 4S shops, borrowers must make repayment plans in advance to avoid bad credit records due to overdue. Therefore, when buying a car by mortgage in a 4S shop, we should pay attention to one thing: when applying for a loan, we must prepare the information needed for the loan and provide effective financial proof such as good income proof as far as possible to ensure the smooth approval of the loan.
1, you must first determine the model you want to buy. Although most models can be staged now, some models can't, so you need to ask the 4S shop in detail before buying a car to see if the car you want can be staged.
2, and then calculate the down payment. You also need a certain down payment in installments, generally not less than 20% of the car price, and not less than 30% in some areas. This must be asked clearly. 654.38+ 10,000 yuan to buy a car requires a down payment of 20,000 to 30,000 yuan. Segmentation means that the rest of the car is segmented.
3. There is also the calculation of interest and monthly payment. This can be worked out for you directly by the people in the 4S shop. Usually, the longest period of car installment is 2 years, and the interest rates of different banks may be slightly different, so you must let the sales staff make it clear before signing the contract.