Xi'an do points credit knowledge should understand automobile installment loan before what?

Do credit knowledge points should know before the car loan:

1, Xi'an City Auto Credit Company, how to choose the applicant?
Auto Credit Company cooperation with the bank, ICBC and BOC credit. Bank of China, bank interest rate is 4.5 per thousand, Xinhe is 5.4 per thousand. Speed is a little faster, xinhe. Letter of the general 1--2 working days you can mention cars, BOC and ICBC is 3--5 working days can provide car. Foreign accounts, there is room in Xi'an case, all must let the owners installed GPS (cost 2500 yuan), does not require the BOC and icbc.
2, some friends will ask do cars in the automobile 4S shop installment is more reliable?
Auto 4S shop as the auto Sales Service Co, no car credit guarantee qualification, right after the loan dispute jointly and severally liable, the customer by the bank through the examination and approval by the Credit Company to advance 70%, owners take 30%. Full payment 4S shop car, customers and 4S shop for sale, loan application, examination and approval, listing claims are completed by auto Credit Company. As the 4S shop, the general will give customers a car stage Credit Company. In general, more fee, fee, fee, like supervision in fleet management fees, a multitude of names.
Shaanxi Guanghui Company limited by guarantee -- to provide quality credit management services!

Credit hotline: 13309205553 QQ:776278773
Credit counseling: manager Huang