1. What is the minimum down payment for GAC Trumpchi Movie Cooler?
20%
The down payment is 20%-50%. Generally, banks require 40%-50%. Some car dealers can find some financing companies to achieve 20% or even lower. . It is generally repaid in 2-5 years. The monthly repayment depends on how much you borrow. You can use real estate as security. First, you need to know whether the beneficiary of the car installment payment is a bank or financial institution, because many banks now have thresholds for car loans. At a relatively high level, more financial companies, especially those from the same family as the car manufacturer, began to handle convenient loan procedures for customers. (For example, the financial company of Shanghai General Motors has GMAC loans.) Secondly, there are conditions for car buyers. Requirements: Generally, those with normal salary income, preferably with provident fund, real estate (with property rights) or married. Of course, if you have other written documents that can prove your ability to repay the loan, that is fine.
2. I want to get a loan to buy a GAC ??Trumpchi car. Do you have any suggestions?
Just buy what you need. You can choose a coupe, an SUV, or a commercial vehicle. Just configure it according to your personal or company needs. Because GAC Trumpchi has many series products.
3. How to get a loan to buy GAC Trumpchi
It is recommended that you go to Ping An Puhui to apply for a loan. Apply directly online. You can choose the product that suits you. There is no upfront cost, it is safe, simple and fast. I hope can help you.
Loan application process:
1. The borrower submits loan application materials to Ping An Puhui;
2. The application materials submitted by the borrower undergo preliminary review;
3. Ping An Puhui will review and approve loan applications that pass the preliminary review and credit investigation and meet the loan conditions;
4. If they pass the review and approval, the borrower will be notified to sign the contract, loan, Mortgage or pledge and other related procedures; if it fails to pass the examination and approval, an explanation must be provided to the borrower;
5. After the loan contract takes effect, the loan will be issued
4. GAC Trumpchi 0 down payment per How much is the monthly repayment?
The interest on the 0 down payment is very high. If you want to buy a GAC ??Trumpchi worth 150,000 yuan with 0 down payment and 36 installments, the monthly repayment will be at least about 5,500.
There are many alternative ways to buy a car with zero down payment:
1. To increase the price of the car. For example, a consumer wants to buy a car priced at 70,000 yuan. For a self-use car, if the down payment is 30% according to the normal operation, if you want "zero down payment", the dealer only needs to write the car price as 100,000 yuan, so that the consumer can get a loan of 100,000 yuan × 70% = 70,000 yuan The car was picked up in full, and the "down payment" of 30,000 yuan had already been coordinated internally by the dealer.
2. It is a mortgage or credit loan. Consumers who meet the conditions such as real estate mortgage can first apply for a down payment from a bank loan, and then the auto finance company will loan another 70% of the car payment. Some dealers will help through channels Buyers apply for multiple credit cards to complete down payment payments. Another way is to exchange a second-hand car with "zero down payment", which uses the residual value of the old car to directly offset the down payment of the new car.
1. You need to pay attention to buying a car with a loan. 1. The lender submits loan application details to the bank. 2. The bank will conduct a preliminary review of the application materials submitted by the borrower. 3. The bank conducts credit investigation and customer evaluation on the car loan borrower. 4. If it passes the bank’s preliminary review and credit investigation, the loan application will be approved. 2. Car purchase process.
1. Book a car first and then go through the loan process. Determine the specific preferential policies, including car price discounts, gifts or other fees, etc., and then sign a car purchase contract. Because it is a car purchase with a loan, the terms in the contract Read the terms carefully and ask if you don’t understand anything.
2. Submit loan application materials, which are divided into two types. The first type requires identification documents, driver’s license, marriage certificate, real estate certificate, income Proof and bank statements (6 months, official bank seal required); the second is the fast loan procedure launched by high-proportion down payments or individual brand car companies. This method is relatively simple and generally only requires an ID card.
If you are applying for a car loan at a bank, you need the first method, while most car manufacturers' own financial companies generally apply the second method.
3. Wait for material approval. Regardless of the loan model, the loan applicant will be approved for qualifications. The approval is generally divided into online or offline. If it is online, the method is to call Ask the applicant about car purchase and personal work situation and other related matters, and then decide whether to pass. If you have good qualifications, you may be approved directly.
Offline approval usually involves a home visit, but this is mainly for applicants with poor qualifications. In fact, staff from financial companies go to the applicant’s home or workplace to conduct on-site visits to check the specific situation.
4. Pay the down payment. After the loan is approved, we need to pay the down payment to the 4S store first, and then the 4S store will issue a down payment receipt. Give this down payment receipt to the bank or the financial company. Waiting for disbursement.
5. Loan money to pick up the car. After paying the down payment, the bank or financial company will lend money to the 4S store or apply for the loan in person, so that we can issue invoices and insurance normally and pick up the car.