If there is not enough funds to purchase a car purchase a car, car loans can alleviate the financial pressure, the early round car dream; if there are sufficient funds, car loans to purchase a car makers to increase liquidity assistance funds, make money more money. For the majority of young people, to choose their own way to purchase a car, in the most economic way to achieve the car dream.

At present, the most practical way of loan purchase a car owner is the automobile financial company loan and bank car loan, characteristics of automobile financial company is: high interest rates, simple procedures, low cost. From 2004 onwards, general, Ford, Volkswagen, Dongfeng Citroen, Toyota many foreign automobile giants have been launched in the domestic automobile financial company. The first payment is generally 20% ~ 30%, the loan period of not more than 5 years, can apply for to the dealers, as long as the credit good, generally can receive loans. And the Bank of personal auto loan is the most traditional car loan pattern, has the characteristics of low interest rates, complicated procedures, high cost, bank loans to purchase a car in two ways: one is "- type" consumers need to bank special car dealers to buy the car, submit the relevant loan application data, and by the car the Shang Dynasty to the bank for credit and for the. Two "direct style" refers to the borrower to the bank to apply for loans, the bank agreed to purchase a car dealer place to go after. The loan period is generally 3 years, the length of not more than 5 years (including), loan interest rates of loans in accordance with the provisions of the people's Bank of China rates.

Two for the young friends mortgage

Credit card owners

Application: Minsheng Bank credit card purchase a car

Suitable crowd: the majority of the elite white-collar workers and Minsheng Bank credit card users

Advantages: 1, simple procedures; 2, car fast; 3, interest free

Details: at present, Shenrong automotive and Minsheng Bank launched a mortgage credit card loan purchase a car the way, from now to June 30th, with Minsheng Bank credit card directly to the 4S shop purchase a car based card, interest free credit card; to meet the conditions of the use of consumer friends within 3 working days if not within the car; hold Minsheng Bank credit card, and does not meet the Minsheng Bank credit card use conditions of the consumer, also can be to the people's livelihood bank cooperation Guarantee corporation make mortgage purchase a car, 7 working days within the car.

Models recommended:

Cool, i30, 550, TIDDA, 307, 408, the new civic, Excelle, hideo......

No Chengdu accounts or real estate

Application of GMAC low threshold scheme: purchase a car solution

Applicable to the crowd: during the pioneering period, non Chengdu accounts and not in Chengdu real friends

Advantage.

1, no household registration restrictions (holding identity cards can also be home mortgage vehicle)

2, free home visits; (Guarantee corporation needs a home visits)

3, from real estate mortgage;

4, the loan is flexible, no limit loan prices (only QQ version 26800 yuan can handle), life may be - 60 months; (Guarantee corporation loan price to be 50000 yuan of above, life can only borrow 36 months)

5, without the guarantee fee; (the Guarantee Corporation shall receive the guarantee fee)

6, two working days can loan; (Guarantee Corporation seven working days in general loan)

7, accidental insurance; (no external die insurance Guarantee Corporation)

8, the international credit records; (the Guarantee Corporation will not produce international credit)

Recommended models: QQ3, QQ6, and QQMe, 2, Qi Yun, A3, tiggo......

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Article source:China barter network