Loan to buy a car -- black Harvard home

In 2007 the end of the April, bear and Bearwalker finally right black Harvard car has long drive home. Because money is not enough, so only allow banks to hold their own, then peeled off a layer of skin (hey, this is not the mortgage? ).

Today to talk about the loan to buy a car step.

First of all, of course, is to choose the car. Bearwalker tall, life is the most hated himself into the car. My heart is always thinking about getting a big car. But the hand bullets do not fully, domestic Harvard smoothly in the. The first car shopping there several times. The first temptation is a Chai Chai ha ha! Well, fuel-efficient! Can not think of years ago made a shortage of diesel, just to put the idea to rush down. Then buy a gasoline! Four or two drive? Of course is the four-wheel drive. Although the four-wheel drive than the two drive expensive 10000 yuan of money, but think of really need four-wheel drive, ten thousand yuan of money can not buy a 4x4 vehicle that's settled.

Secondly, pay 2000 yuan a car, you have to tell the car dealer we want to loan. The rest of the things they do. A few hours later, the Guarantee Corporation to call, tell us what information the preparation. Both spouses identity card (not married a man), marriage certificate (making a statement, to be notarized notary fees not married so expensive), residence booklet (native good loans), real estate certificate (if the purchase is the mortgage, is to resist the pressure of contract and loan contract), degree certificate and degree Certificate (not it doesn't matter, but there can be a plus), proof of income, if the commercial insurance must be a copy, which can be. Of course, there are photos.

Things ready, there will be special investigator door-to-door survey Guarantee corporation. It is certain to come home, he will take over your material inspection, if there is a need to add will tell you. He will be in your family photo. Some companies will also to your work unit to take pictures.

Everything is ready, get the Guarantee Corporation to pay. Bearwalker and I went to the Guarantee corporation. There is a lively, and markets are almost. This is not the end, everyone want to get the car, so everyone is busy in a complete mess. Business manager and check the things we all not neat, and then copy a lot of material therein. Let us pay, 7200 yuan! In addition to the 1000 yuan deposit can be returned after we pay off the loan, the remaining so into the Guarantee Corporation's purse (so sad in...... ).

Then go to the bank mortgage contract, here to pay notary fees 300 yuan. The bank staff under the command of the countless, sign a name, press the dozens of fingerprints (my hand cramps), if someone thisInside plug on one piece of the contract, you also in disorderly fashion of sold myself. It should be noted that, married friends must both husband and wife go to the bank for loans, because the spouse is common repayment.

The above after the deed is done, and money to the account. Give Bearwalker a guarantee company because we have good credit (never owed to bank loans and credit card borrowing), so, in the loan before the pre payment will purchase a car to car dealer. So, we in a week will be small, drive home.

But the process of loan purchase a car has not finished. The car and the license are Guarantee Corporation accompanied. Why? Because we have to buy insurance in the designated insurance companies, and the purchase of insurance, the premium is high. That day, we paid more than ten thousand yuan of the purchase tax, eight thousand yuan of insurance (insurance 1050, insurance 7100 yuan), travel tax 400 yuan, and the local levy five road bridge fees, pay to numb. In fact, the loan to buy a car the most trouble is to pay high insurance premiums, of course, in the second years to thirty percent off, but the first year but a lot!

This year, loan interest rates increase greatly, our calculation, 90000 yuan loan, three years to pay ten thousand interest, plus pay insurance premiums and fees, a total of more than a one-time purchase a car twenty thousand yuan. The money, want to buy a car loan friends must want to know oh.

To the car after the licence, car, purchase a car's account of the invoice and the original insurance policy was Guarantee Corporation away. These things should be pressed on the bank.

Finally, is to be pressed. Because this car mortgage, so we are in the car after the licence can be pressed. The owner must personally go to the Che Kwun. As for the contract specifically how to do, the Guarantee Corporation and the bank. Don't worry about us.

The car home, a good mood. Do not go to twenty thousand yuan to pay the money.

To borrow money, to pay a price point!