Joke Collection Website - News headlines - 20% down payment can be paid for car purchase on 20 18. Is it implemented in 4S shopping malls now?

20% down payment can be paid for car purchase on 20 18. Is it implemented in 4S shopping malls now?

Generally speaking, the down payment for a loan to buy a car is 30%. It depends on the policy of the 4S store, or the policy of the bank, and your personal reputation. Many of them are 0 down payment.

At present, the traditional mortgage car purchase business of banks is shrinking day by day, and it is replaced by credit card installment payment and auto finance company loans. In fact, it is difficult to know which car and loan method are suitable for customers. Customers need to choose their own models, and then discuss with 4S stores, because not all models are agreed by car dealers and banks, hot-selling models may not have loans, and some models may be subsidized by 4S stores.

In addition, when buying a car with a loan or charging various financial service fees, notarization fees, renewal deposits and other fees, consumers should not rush to give money, but ask more questions. Be sure to read the contract clearly, ask clearly and ask more why. Every bill is well kept.

Extended data:

Buying a car by mortgage means that the borrower who applies for buying a car pays part of the down payment first, and the lender issues loans to the buyer in installments for the rest. Buying a car by mortgage means that the borrower who applies for buying a car pays part of the down payment first, and the lender issues loans to the buyer in installments for the rest.

Original ID card, residence booklet or other valid proof of residence, and provide a copy; Proof of occupation and economic income; The car purchase agreement, contract or letter of intent signed with the dealer; Other documents required by the Cooperation Organization.

After you have provided these procedures for buying a car by mortgage, you need to meet other conditions before you can apply for buying a car: you have valid identification and full capacity for civil conduct; Can provide fixed and detailed address proof; Have a stable job and the ability to repay the loan principal and interest on schedule; Personal social credit is good; Holding a car purchase contract or agreement approved by the lender; Other conditions stipulated by the cooperation organization.

If you buy a car and choose a 4S shop to help you get a car loan, the down payment for buying a car is generally 30%. How to calculate the loan interest? It depends on the down payment and repayment period of your loan. Generally speaking, the loan interest is between 5% and 8%.

If you have real estate as collateral to buy a car, or you don't have real estate, you can find someone to guarantee you (the guarantor must have a fixed job); In addition, if you have a fixed job and a stable income, you can provide your own income certificate; If your credit history is good, then the down payment on your car loan need not be as high as 30%, which can be reduced by 10 percentage point, that is, the down payment will reach 20%.

When you see advertising slogans such as "zero down payment", "zero interest rate" and "1 yuan loan to buy a car" in the auto market, don't be too happy for the time being, you need to be vigilant and don't fall into the trap designed by dealers and loan intermediaries.

These car loan concessions of "zero down payment", "zero interest rate" and "1 yuan loan to buy a car" will attract the attention of many consumers at first sight. These preferential policies look very attractive. In fact, most of the concessions are made on the basis of raising car prices and increasing agency fees. What's more, they are inevitably fraudulent.

References:

Baidu encyclopedia-mortgage car purchase