1, you must prepare your ID card before you buy a car with a loan. The bank is running water. 2. Then choose a vehicle, apply for a car in stages, and submit all the information to the car dealer. 3. The bank will review and sign a contract to pay the down payment after the review. Many people choose the loan method when buying a car. With a loan to buy a car, they only need to pay part of the down payment, and the rest can be paid back slowly. Buying a car with a loan can make people drive ahead of time, so they don't need to spend so much money to buy a car at one time. But before buying a car with a loan, you must understand the financial plan and the calculation method of interest, and choose the appropriate financial plan according to your actual situation. It should be noted that the loan to buy a car will definitely charge interest, so it will cost more money to buy a car with a loan than to buy a car in full. When buying a car with a loan, the dealer will also charge fees such as handling fees and gps fees. Before buying a car with a loan, you should not only prepare a down payment, but also prepare insurance and purchase tax, and you need to charge a certain fee for the car to go public, which should be prepared in advance. If you don't buy insurance, cars can't legally drive on the road. Everyone must pay attention. When buying commercial insurance, you must buy three types of insurance, and other types of insurance can be selected according to your needs. Million car purchase subsidy

Second, the car purchase process by stages

1. Go to the 4s shop to buy your favorite vehicle, pay the down payment to the 4s shop to get the invoice, prepare your copy of ID card and household registration book, and issue your own income certificate according to the requirements of the bank. If the format does not meet the requirements of the bank, the certificate will be invalid;

2. Find a guarantor. It is best for the guarantor to be a civil servant or a person with relatively high income. You also need to open a personal income certificate. You also need a guarantor from both sides, preferably a relative of your choice, with a fixed occupation;

3. Find a reliable guarantee company, bring photos according to the requirements of the guarantee company, and pay insurance premium, renewal deposit and service fee of the guarantee company, which is about 20,000-30,000 yuan. There are differences between guarantee companies. The guarantee company will prepare all the agreements for you to apply for a loan from the bank;

4. Take the agreement, go to the bank lobby to apply for installment loans and apply for a mortgage passbook;

5. After the bank has passed the audit, I will call you to pick up the car at the 4s shop;

6. After receiving the car, you need to pay the purchase tax to the Transportation Bureau before going public. Get the insurance card of the insurance company before listing;

7. Go to the bank to show your driving license and insurance certificate and take a photo, and get the notice of car release;

8. Get the notice and go to the 4s shop. It is the car display notice issued. Now this car belongs to you.

9. Of course, banks and guarantee companies have different requirements. Before buying a car, you need to choose a mortgage bank and a guarantee company and consult the required procedures and processes in detail.

3. What is the down payment for buying a 300,000 truck by installment?

40%-50% of the down payment for buying a car in installments. Some car dealers can get 20% or even lower if they find some financing companies. In this way, the down payment is generally 60,000-15 salary level, and the energy will be determined on the basis of calculating the salary.

Knowledge expansion:

Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also called auto mortgage.

Object of loan: The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.

Loan conditions: the borrower has a stable job, the ability to repay the principal and interest of the loan, and good credit; It can be used as a guarantor of mortgage or pledge, or a guarantor with sufficient compensation ability for principal and interest and joint liability.

Loan amount: 80% of the loan price.

Loan Term: The loan term for automobile consumption is generally 1-3 years, and the longest is no more than 5 years.

Loan interest rate: from China.

Repayment method: you can choose one-time repayment method of principal and interest and installment repayment method (equal principal and interest, equal capital).

The auto financing or guarantee company is the third person who can repay the loan.

Fourth, how to sell trucks by stages?

If you want to sell a truck in installments, you must pay off the remaining loan before you can sell the car.