What are the fees that you don't have to pay for a car loan?

Generally speaking, buying a car with a loan has two advantages. First, the saved funds can be used in other places, such as investment, which may earn more money than the loan interest; Second, you can accumulate credit, borrow money to buy a car, and as long as you repay on time, you can accumulate good personal credit, which will help you apply for loans and credit cards in the future.

The process of buying a car by loan is as follows:

1. Book a car. Book a car first, then take the loan process, and negotiate with the 4S shop for specific preferential policies.

second, submit the loan procedures. Usually need: husband and wife's identity certificate, driver's license, marriage certificate, real estate license, income certificate, bank running water and other information.

third, waiting for approval. After the loan procedure is submitted, the bank/manufacturer finance/third-party finance company will conduct qualification examination and approval for the loan applicant, which is usually divided into online examination and approval and offline examination and approval. Online examination and approval usually calls the loan applicant; Offline approval is generally a home visit, and it will only be taken if the loan applicant's qualifications are not very good.

fourth, pay the down payment. After the loan is approved, it is necessary to pay the down payment to the 4S store first, and then the 4S store will issue a receipt for the down payment, which will be handed over to the bank/financial company for lending.

5. Lend money to pick up the car. Banks/financial companies will lend money to 4S shops or loan applicants, so that they can invoice for insurance to pick up the car normally.

If you need to borrow money, you can also choose to spend money under Xiaoman Finance. It is simple to apply for money, fast in lending and flexible in borrowing and returning, and users can apply on their own initiative. The interest rate of money is transparent, the big brands are reliable and the interest rate is low, and the maximum loan amount is 2,, which can meet the needs of most lenders.

in addition to individual consumers, small and micro business owners need to start or work with working capital, and they can also consider spending money, which is dedicated to providing accurate, convenient and efficient financial services for small and micro business owners.

This answer is provided by Kangbo Finance, which focuses on the interpretation of hot financial events and the popularization of financial knowledge. It is professional and interesting, making financial content that people can understand, and conveying financial value in vivid and diverse ways. I hope this answer is helpful to you.