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Nine Things to Remember When Loaning a Car to Sign a Contract
With the advent of the automobile life, more and more friends will choose to buy a car. However, most of the friends in the first loan to buy a car, because they have not been in contact with car loans, they do not understand what kind of process car loans, can only be a step-by-step follow the command of others, let the cost of giving, let Where to sign and sign, until the loan approval to mention the car, but also stumbledly do not know what to do. such as,What are the procedures for buying a car for a loan?? How much is the down payment? What are the costs and so on?
This article is for everyone to remind you that when you apply for car installments and sign a car loan contract, you must look at and ask to understand the following 9 aspects:
1. Who is the lender? The lender is referring to where the car is paid in installments, what financial institution? Which bank?
2. Is the borrower's information registered correctly? Borrower refers to the identity information of the car purchaser and the spouse or guarantor, including the ID number, address, contact information, etc.
3. Is the brand, model, color, and displacement of the purchased vehicle consistent with the auto loan contract?
4. Whether the price, down payment and loan principal of the purchased new car are in line with their own wishes;
5. Whether the term of the loan is correct or not. Generally, the loan period for new car loans is 1-3 years, and the financial company can be extended to 5 years. The models participating in the event are limited by the term of the loan. If they choose the wrong period, they will not be able to enjoy the interest rate discount;
6. What is the loan interest rate? Do you know or can calculate the total amount of interest for the entire loan period?
7. What is the monthly supply? Is it compatible with one's own ability to bear;
9. Is there any other way of security or collateral other than the vehicle as a collateral?
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