Help choose a car

BYD F0 1.0 premium Changan Benben 1.3 manual value-added Shanghai Huapu hatchback 1.3 comfort price is around 45,000.

Loan to buy a car:

1. Go to the distribution point and consultation point first to see what needs and information you need to provide.

2. Submit the information provided to the dealer for preliminary examination.

3. Select the car model and sign a car purchase contract with the dealer.

4. Deposit the down payment into the designated account and submit an application for automobile consumption loan to the bank. The general down payment is 40% of the car price.

5. The bank accepts and approves the application and signs the loan contract.

6, insurance, mortgage registration, notarization and other procedures.

7. The dealer handles the vehicle entrance and delivers the vehicle.

8. According to the provisions of the loan contract, repay the loan principal and interest directly to the bank on schedule.

Dealers generally implement "one-stop" service. After you pay the down payment, Articles 5, 6 and 7 will be handled by the dealer.

Materials to be submitted for loan car purchase:

(1) If you buy a car without guarantee, you need to provide the ID card, household registration book, residence certificate and income or labor certificate of the buyer, and two one-inch recent photos. The original income certificate needs to be stamped with the official seal of the unit or the seal of the labor department. The proof of residence refers to your real estate license, purchase contract, formal lease contract, or the proof of the housing management department, the police station, neighborhood Committee and property management company in the jurisdiction.

(2) For car purchase by guarantee, in addition to the information provided in (1), the buyer shall also provide the guarantor's information, including the guarantor's ID card, household registration book, residence certificate and income or labor certificate.

In one of the following circumstances, another guarantor is required: non-local resident account; Over 60 years old; No work unit; No spouse, etc

As for the monthly payment, each bank is different, and it will be stipulated according to your repayment date. If you travel by car, plus all expenses, oil price and maintenance, it will be around 500 yuan every month.