Can you get a loan for a BMW motorcycle, Zhihu?

Can I buy a motorcycle with a bank loan? Can I get a bank loan to buy a motorcycle? Because too many people ask for bank loans to buy cars, cars are cars and motorcycles are cars, because carrots and vegetables have their own tastes, some people like cars and some people like motorcycles. Then can I get a bank loan to buy a motorcycle?

Since motorcycles are purchased for consumption purposes, most banks will support their loan business. As long as you can show your three trump cards of stable work, considerable income and good credit, and provide relevant application materials as evidence, your application success can be said to be inevitable, and you can get loan funds about 0/0 times your monthly income/kloc. However, due to the different risk control methods of banks, the forms of fund allocation will also be different. For foreign banks, if the borrower's loan is used to buy a car, Citibank will directly remit the loan funds to the car dealer's account from the perspective of safety. Standard Chartered Bank stipulates that if the loan amount does not reach 300,000 yuan, users can directly collect cash at the counter.

Generally speaking, it is suitable for buying high-end motorcycles. If you choose Yamaha, BMW BMWC650GT, Zongshen piaggio VESPAGTS250 and other models with the price between 50,000-65,438+0,500, the application is undoubtedly the best choice. On the other hand, if the purpose of buying a car is just for the convenience of transportation, and you prefer the affordable model of around 65,438+0,2000, if you have a credit card, you might as well consider buying a car by stages with a credit card. If the quota is limited or you don't have a credit card yet, it is wise to apply.

Can I get a bank loan to buy a motorcycle? Obviously, this is possible.

Can I get a loan to buy a motorcycle?

Of course. There are two common methods: 1. Credit card installment payment; 2. Pay in installments at the motorcycle shop. Another way is to find a small credit company, which is risky and has high interest. It is not recommended. 1. credit card installment. Take your income certificate and ID card and go directly to the bank to apply for a credit card. After getting the credit card, go riding a motorcycle.

Can I get a loan to buy a motorcycle?

Of course. There are two common methods: 1. Credit card installment payment; 2. Pay in installments at the motorcycle shop. Another way is to find a small credit company, which is risky and has high interest. It is not recommended.

1. credit card installment. Take your income certificate and ID card and go directly to the bank to apply for a credit card. After you get your credit card, go to the motorcycle shop and swipe it in full, and then you can drive away. Then call the bank's service hotline to apply for installment repayment and deposit the money in the card every month.

The advantage of this method is that there is no down payment, which has nothing to do with motorcycle shops. Just pay back the credit card in the future.

2. Pay in installments at the motorcycle shop. Generally speaking, we sign the automobile contract first, pay the deposit in the motorcycle shop first, and then go to the bank to go through the formalities, including providing information and signing the loan details. If there is no problem, the bank will give the motorcycle shop a loan agreement in about 5 working days. Then you can pick up the car by paying the down payment. Follow-up only needs regular repayment (principal interest).

There are several points to note here: 1. Pay by credit card installment, make sure that the credit card amount you apply for is enough to buy a car at one time, and then don't forget to tell the bank to pay by installment.

If you pay in installments in a motorcycle shop, you must sign a contract first and read the terms clearly. This is your own protection.

The process of buying and selling used cars

1. Check the license:

The identity certificate and entrustment certificate provided by the second-hand car trading market to both parties or other agents of the second-hand car trading. Used cars are owned by individuals, and there are original car purchase invoices or used car sales invoices from the last transaction. Both parties need to sign a second-hand car trading contract.

2. Audit tools:

Verify whether the license plate number, engine stamp number and frame stamp number are true and valid.

3. Assessment and evaluation:

If state organs, state-owned enterprises and institutions are state-owned assets, it is necessary to prepare a vehicle appraisal report issued by a second-hand car appraisal and evaluation institution.

4. Transaction invoice:

The second-hand car trading market issues a "unified invoice for second-hand car sales" for vehicles with complete legal documents and vouchers, and collects transaction management service fees.

5. Go through the transfer procedures of ownership and membership;

Documents of both parties to the second-hand car transaction, such as motor vehicle registration certificate, motor vehicle driving license, unified invoice for second-hand car sales, application form for motor vehicle transfer registration, etc. , ready to handle the registration change procedures such as transfer of ownership and transfer of membership at the local public security vehicle management office.

6. When buying a used car, the car buyer should ask the original owner for the vehicle purchase tax payment certificate:

Buyers of used cars who have gone through the formalities of tax exemption for vehicle purchase tax shall go through the formalities of tax declaration or tax exemption again with the tax authorities. Otherwise, it shall be handled in accordance with the provisions of the Tax Administration Law.

7. Change of road transport certificate:

Operating vehicles should apply to the traffic management department for a new Motor Vehicle Driving License and Motor Vehicle Registration Certificate, and change the Road Transport Certificate.

8. Insurance changes:

Go to the insurance company to change the vehicle insurance applicant with the original motor vehicle driving license, motor vehicle registration certificate and insurance policy. Can I get a loan to buy a motorcycle? Used Car Trading Process @20 19

Can I get a loan to buy a motorcycle?

Can I get a loan to buy a motorcycle? Can I get a loan to buy a motorcycle? Motorcycles can be bought by mortgage. The commonly used methods are as follows: 1, credit card installment. 2. Pay in installments at the motorcycle shop. 3. Find a small credit company, but this method is risky and has high interest, so it is not recommended. More introduction: 1, credit card installment:, bring income proof and ID card to the bank to apply for a credit card, get the credit card and then go to the motorcycle shop to swipe the card in full, and you can drive away. Then call the bank's service hotline to apply for installment repayment and deposit money into the card every month. 2. Apply for installment payment at the motorcycle shop: sign a car booking contract at the motorcycle shop and pay the down payment, then apply for a loan at the bank, and you can pick up the car after paying the down payment. Follow-up only needs regular repayment (principal interest). @20 19