Loan interest, interest refers to the borrower to obtain the right to the use of funds to the lender for pay, it is the capital (i.e. loan principal) in a certain period of the use of price.

With the level of economic development, housing, cars have already entered the home of ordinary people Chinese. In the past two years

People buying enthusiasm, straight line rise, for large and medium-sized city middle-class, payment for the car has been put on the agenda of the financial. But, save enough money to buy a car is a one-time payment of the purchase, or use the loan in advance of consumption good? What makes it good or slightly?

Two party payment buy any more money

We use an example, calculate the one-time payment to purchase and installment payment buy two different ways to pay the amount. Assuming a $one hundred thousand car, the first purchase a car is a one-time payment, the amount paid for 100000 yuan, second purchase a car for installment payment, down payment for 40 � �, the loan period of 3 years, according to the new car loan interest rate calculator to get the total payment amount is 107368, more than 7368 yuan more than a one-time payment. Can see a car, a one-time or stage? Relatively more province, a one-time payment of money now.

Save money but also to see the future

Is not to say that is a one-time payment of money now to save money, the real. No money with the current and the next few years the economic development is closely linked with the. Then you need to see the flow of funds or investment circumstances, when the return on investment rate is higher than the loan interest rate when choosing the loan, which is more than a one-time payment to cost. For example, the current rise in prices, inflation - car, disposable or stage? To loan to buy a car, more and more people, and now supports zero interest rates of bank is not in the minority, only need to pay a certain fee.

A way of payment, differ from man to man

Whether it is a loan to buy a car, or full payment, each has advantages and slightly, the most important financial problems or consumers themselves. Consumers should be based on the level of family income, the savings, can obtain loan and the borrowed money factors should estimate the purchase ability and the way of payment, if lump sum is more difficult, or are there other matters to use money, can choose the loan
, in case of an emergency; if capital is abundant, or a car is paid off the best. If the consumer financial capacity is limited, can be considered a one-time payment to buy a new low emission economy car or economic type of second-hand car, saving the fees and other related expenses - car, disposable or stage? , also can spend less money to keep a car, is a good choice.

Generally speaking, two ways of payment for the car has different performance, if the hands off funds, suggests a combination of investment income to achieve purchase a car; if their funds more tense, have relatively stable income in future, then choose loan installment purchase a car; if the pinch, funds shortage, a car more than their own capacity, do not blindly follow the trend otherwise, it will become car mortgage slave.

The term of the loan: the longest valid collateral lines for 5 years, the validity of the pledge quota expiration date shall not exceed the pledge of rights due date, the length of not more than 5 years, credit and guarantee valid quota for 2 years. Calculated from the date of entry into force of the amount of the loan contract validity period. At the same time, the borrower apply pledge amount collateral lines, or lines of credit that amount in two or more lines, the Construction Bank in accordance with the shortest amount approved borrowers personal consumption credit loan amount is valid. The amount of valid not allowed to continue to support with the remaining amount after the deadline.