The condition for applying for a loan must be proof of real estate. If not, you have to find a guarantor with real estate to guarantee you. You should also show proof of income, and the monthly salary should be 2 to 4 times the monthly repayment amount.
There is no bad bank credit record, for example, the credit card has a record that you don't repay on time.
Of course, some 4S stores will have their own financial and credit companies or cooperate with private credit. In this case, you may not need to provide proof of real estate, which varies from store to store.
First of all, whether buying a car by mortgage or buying a car in full, there are several big heads that must be paid: purchase tax and insurance.
Let's start with these two big heads. You can calculate your own car price.
1, and the purchase tax is 10% of the car body price.
2, about 65438+ 10,000 cars, if the insurance only buys basic insurance, it is about 1300 yuan; And it costs at least 5 thousand to buy all insurance in the first year.
3. The license fee, adjustment fund and other miscellaneous expenses shall not exceed 1000.
The most expensive part of mortgage is insurance and interest. I can't give an exact figure, because each insurance company charges different fees, and each bank charges different interest.
Generally, if you mortgage, you have to pay the full premium for three years every three years (the discount for three years is about 12000).
The interest rate is the same every month, unless the bank interest rate changes.
The so-called monthly payment is the total loan divided by 36 months plus interest. The interest is about 7% to 12% of the total loan.
Let me take the loan as an example. The ideal version of Chevrolet's new Sail 1.4, with a down payment of 30%, a three-year mortgage: the car price is 64,800 yuan, the purchase tax is 6,480 yuan (the car price 10%), and the sex for three years is 9,600 yuan. The down payment is 30% (the car price is 64,800 * 0.3 =19,440 yuan), the loan fee is 2,000 yuan, and the down payment is 38,000 yuan (including the licensing fee and taxes).
Borrowed 70%, that is, the car value is 64800*0.7=45360 yuan.
45,360 yuan divided by 36 months = 1260 yuan.
Interest monthly 170 yuan.
Monthly payment = 1260 yuan plus 170 yuan = 1430 yuan.