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Nine major precautions to pay attention to when signing a contract
With the arrival of the automobile era, more and more friends will choose to buy a car. However, most of my friends bought a car for the first time. Because they have not been exposed to a car loan, they don’t understand how a car loan is. They can only follow the instructions of others step by step, let the cost of the payment be given. Where to sign and sign, until the loan approved to pick up the car, but also confused and did not know what to do. such as,What is the procedure for a loan to buy a car?? How much is the down payment? What fees are needed and so on.
This article will remind everyone that when you apply for car installment payment and sign a car loan contract, you must clearly understand and understand the following nine aspects:
1. Who is the lender? The lender refers to where to pay for the car installment, what financial institutions? Which bank?
2. Is the borrower's information registration correct? The borrower refers to the identity information of the purchaser and the spouse or guarantor, including the ID number, address, contact information, etc.
3. Whether the brand, model, color and displacement of the purchased vehicle are consistent with the auto loan contract;
4. Whether the price, down payment, and loan principal of the purchased new car are consistent with their wishes;
5. Whether the term of the loan is correct, the loan period of the new car loan is 1-3 years, and the financial company can extend it to 5 years. The models participating in the event have a loan term limit, and the wrong rate is not available when the wrong period is selected;
6. What is the loan interest rate? Whether you know or can calculate the total amount of interest over the entire loan term;
7. What is the monthly supply? Whether it matches its own ability to withstand;
9. Whether there are other guarantee methods or collaterals other than the vehicle as collateral.
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