Loan car purchase
The program lender needs to submit the materials 1. ID card Account book 2. Loan application form 3. Housing certificate 4.Personal income certificate
5. Guarantor ID card? The necessary conditions for obtaining all the original documents and two sets of copies of the account. 1. Residents of permanent residences at the locality have fixed residences at the place; 2. 18 years of age or older and 60 years of age or younger 3. The ability to stabilize income and repay the principal and interest of the loan, the monthly payment does not exceed 60% of the total disposable household income; 4. The third party natural person must provide guarantee for repayment of the principal and interest of the loan? During the loan period, the insurance company must be insured at the bank for one-time insuranceConsumer loan
Guarantee Insurance and continuous insurance for Motor Vehicle Insurance; 6. Open a “one card” account; 7. Other conditions stipulated by the bank. Dealer: Consult the car dealer to choose the car. Submit the materials you should submit to the dealer for the first payment, the first model, the selected model, the contracted car, the bank acceptance, the approval of the insurance and other procedures for handling the vehicle and submit to the vehicle bank: Apply for loan application procedures, fill in relevant information, make an appointment for a home visit, sign the relevant documents, approve the bank, notify you that you can loan to a special dealer to pick up the car, pay the down payment, and go through the relevant procedures.Bank loan
You can go to the dealer to pick up the car to the bank to collect the loan contract, the loan, the vehicle insurance policy and other loans. What are the expenses to pay for the car? 1. Insurance costs 1. Vehicle loss insurance: 6 passenger cars = insurance amount × 1.2% + 240 yuan; More than six passenger cars = insurance amount × 1.2% + 600 yuan. 2. Third party liability insurance: Passenger cars with less than six seats: 50,000 yuan for 50,000 yuan, 1170 yuan for 100,000 yuan; passenger cars with more than six seats: 50,000 yuan for 10,500 yuan, and 1,100 yuan for 100,000 yuan. 3. The annual piracy insurance: the passenger car rate for the six passengers is 1%; the passenger car rate for the six passengers is 0.8%; and the Santana series is 1.1%. The calculation formula is: payable premium = insurance amount × rate. 4. No loss insurance: (car damage insurance premium + third party premium) × 20% 5. Credit insurance: based on the loan amount, counting by age: 1% for one year until 2.2% for five years. Second, the guarantee fee? Based on the loan amount, it is counted according to the number of years, from 1% in one year to 3.5% in five years. Third, the bank loan interest rate (People's Bank of China announced in 2002) 1-12 months annual interest rate 4.78% monthly interest 0.44% 24 months annual interest rate 4.94% monthly interest rate 0.4075% 13-16 months annual interest rate 4.941% monthly interest rate 0.4075% 37-48 months interest rate 5.022% monthly interest 0.465% 49-60 months annual interest rate 5.002% monthly interest rate 0.465% IV. Vehicle purchase additional tax (before the new regulations are not implemented) Tax payable (domestic car) = car payment ( Tax included)/1.17×10% V. The cost of the vehicle inspection fee is 300-500 yuan.