How to apply for a car loan? Is it easy to buy a car by stages?

1. How to apply for a car loan? Is it easy to buy a car by stages?

Materials needed to apply for car loan: ID card, household registration certificate, marriage certificate, work certificate, income certificate, personal credit report, vehicle registration certificate, driving license, car purchase invoice, insurance policy, purchase tax book, vehicle mortgage certificate, etc. Some materials may not be needed, so it is best to consult the local bank or car loan institution first to avoid a trip in vain.

How to apply for car loan 1, the customer applies to the bank and fills in the corresponding application form, and provides the corresponding information according to the above requirements; 2. If it is approved, sign a loan contract and contract guarantee, handle relevant notarization as appropriate, and complete mortgage registration procedures; 3. Issue loans with the consent of the bank, and transfer the money to the designated account of the automobile dealer or individual according to the agreed transfer method; The borrower needs to repay the loan according to the contract. In case of normal settlement or early settlement, the borrower needs to hold a valid ID card and a loan settlement certificate issued by the bank, get the relevant custody certificate and supporting documents from the bank, and go through the mortgage registration cancellation procedures at the original mortgage registration department.

Is it easy to buy a car by stages? It is relatively easy to buy a car in stages in a car loan agency or 4s shop. It is understood that the pass rate of 4s car loans is 95%, much higher than that of banks. As long as the following conditions are met, the application can be made: (1) with valid identification and full capacity for civil conduct; (2) Provide proof of fixed and detailed address; (3) Have a stable occupation and repayment ability on schedule; (4) Having a good personal social reputation and no bad credit record; (5) Other conditions of the car loan agency or bank, even if you don't have a job and a driver's license, as long as the above conditions are met, the minimum down payment is 20% according to the requirements of the bank, and you can't pick up the car on the same day after the down payment, because the approval takes at least 2-3 working days and can be completed in one week. If the debt exceeds 50% of the total vehicle price (including purchase tax, insurance, etc.), banks may not apply for auto loans. Of course, if you have a stable job or repayment ability, go to the bank with relevant certificates, so the pass rate will be higher.

2. When will you buy a car in 2022? -What is the most auspicious day to buy a car in 2022?

Shopping is also a very particular thing. Many people will choose a good day to buy a car, hoping to make a smooth profit. The auspicious days of buying a car in the zodiac are very different. According to the Gregorian calendar, there are also many auspicious days to buy a car in 2022. Let's be specific.

Buy a car in 2022.

According to the Gregorian calendar 65438+20221October 28th, February 2nd, February 27th, April 26th, April 28th, May 26th, May 27th, June 25th, June 27th, July 27th, August 27th, September 28th and September 29th.

When buying a car, it is good for you to set an auspicious day and a time to pick up the car. The quality is stable and accidents are not easy to occur. You should choose a beautiful day, avoid collision with you, avoid driving day and rest day. Generally, it is advisable to pick up the car all day, working day, fixed day and all day.

In fact, when buying a car, everyone knows that choosing a good day is not only good for themselves, but also important for future travel. According to feng shui, auspicious time is usually in the morning. It's sunny at this time, and you will be full of energy no matter what you do. In this way, there will be enough light in the morning. In this way, problems will be found in time when the car is collected and inspected. Therefore, it is very necessary to choose auspicious time, and it is also very necessary to choose the right auspicious time.

When is the big discount for buying a car?

1. A few years later (March and April)

March and April after the Spring Festival are the off-season for car sales. Consumers who want to buy a car will generally choose to leave many years ago and go home happily for the New Year, with dignity and scenery. I believe that most consumers will spend a lot of money in the new year. After the New Year, everyone tightened their belts. Who has money to buy a car? Therefore, at this time, the auto market has entered the off-season. Manufacturers and distributors must offer discounts to maintain off-season sales. There may also be a spring bag.

2. Summer (July and August)

July and August are the traditional off-season of the automobile market. After entering the end of June, the automobile market sales began to decline. In the off-season, 4S shopping malls will launch various price reduction activities. For consumers, this is a good season to buy a car. But consumers don't seem to pay for it. Many consumers think that businesses will launch more preferential activities from September to National Day, so they all hold a wait-and-see attitude.

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3. End of the year (1late October to early February 165438+)

65438+February is the final stage of dealer impact performance evaluation. After completing the task, you can not only get a good rebate from the manufacturer, but also return the funds as soon as possible during the year. Many dealers will spontaneously reduce prices and promote sales, shouting slogans such as "dumping inventory", "clearing inventory" and "completing the task", and even "selling without making money" or "selling at a discount". However, by the end of 65438+February, the price will generally return to its original state, so that you can eat enough before the Spring Festival. So 1 1 the middle and late period to 65438+early February is a good time to buy a car.

4. Large-scale auto show

Auto show is a large-scale group buying activity and a good opportunity for dealers to take a walk. When major brands get together, it is inevitable that there will be a price comparison. In order to retain this huge potential source of customers, dealers will come up with the lowest price and more gifts to attract consumers. Buying a car at the auto show, in addition to getting a reliable price, generally there are thousands of extra gift packages.

5. Unwelcome old stocks

Unpopular, stock, old money. Generally, these three modes have good priority intensity. When buying popular models, we should pay attention to the preservation rate of future models. If you spend 200,000-300,000 to buy a popular model, you can only sell 70,000-90,000 after driving for three to five years. Won't you lose a lot of stock cars? If it has been parked for more than 8 months, it is recommended not to buy it. As for used cars, although my personal belief is to buy new cars instead of used ones. However, after the launch of new models, the old models are accompanied by good incentives. If the price is right, it is still appropriate to start.

Which is more cost-effective to buy a car in full or in installments?

Part of the advantage of buying a car by stages is that you can use the car in advance, which brings a lot of convenience. At the same time, buying a car by stages only costs a little money. Generally, the down payment is 20%, and some can even achieve zero down payment. The rest of the car money can be used to invest in wealth management, solve problems and create more income.

But buying a car by stages also has some disadvantages, that is, the application and approval process will be more troublesome. Bank loans are strict, and the approval rate is lower than that of external auto financing institutions. Although the approval rate of external car loan institutions is high, there may be cases of bundled sales, having to buy insurance in our store during the loan period and high handling fees.

Speaking of buying a car in full, it must be good to spend a lot of money on a car at one time. After all, there are no fees, interest and other miscellaneous fees for buying a car in full. Let's take a car of about 654.38+10,000 yuan as an example to calculate how much more expensive it is to buy a car by stages than to buy a car in full.

First of all, car loan institutions generally require a down payment of more than 30%, and most people will choose 36 repayment periods. After the down payment of 654.38+ 10,000 vehicles is 30% (30,000 yuan), the remaining 70,000 yuan loan is approved according to the annual floating interest rate of the central bank's benchmark interest rate, which is generally between 4% and 8%, and the handling fee of 654.38+ 10,000 vehicles is about 3,000 yuan.

Then it can be calculated that the interest for three years is 70000x5%x3= 10500 yuan. Plus the handling fee of 3,000 yuan, the car bought by installment loan is more than the whole car13,500 yuan.

To sum up, having the ability to buy a car in full is definitely better than buying a car in installments. If there is really financial pressure, you can also choose to borrow money to buy a car. However, it is best to shop around first to understand the interest and handling fees of various institutions, so as to avoid breaking the contract after signing the contract and causing unnecessary losses. 3. Can I buy a Geely car by installment?

Why buy Geely when you can pay in installments? I used to drive Geely. To tell the truth, it's not much difference. There is nothing wrong with it, and minor problems are acceptable, but do you have a car? Car lovers are tired of having their cars repaired. It doesn't matter if you can see minor problems. I don't want you to buy Geely, but if you don't, you will have no rich experience and enter a dead end. Hehe ~ ~ Anyway, whether I am patriotic or not, I won't use my hard-earned money to experiment for Geely. Because I am poor.

4. Is it okay for Geely to buy a car by installment?

At present, Geely financial car loan is relatively easy to pass, but it may also be rejected. For car loans, both banks and financial companies will review personal information, including personal credit information. If it is judged that the personal credit information is bad and tainted, the bank or loan company will worry about whether this person will default on repayment and whether he has the ability to pay off the loan, so the possibility of rejection will increase.