The first blog seems to play some advertising effect, is still no one looking for my car, but advertising continued promotion!

Detailed analysis and comparison of car loan expenses China bank and Shaanxi letter:

(a) Chinese bank

  The price:  75000 yuan more than the family car

  Staging time: three years

  The proportion of loans: bare vehicle price 70%

  Loan interest rate: Chinese bank interest rate 4.5 per thousand, five point four percent annual interest rate

   Mentioning the time: one week within the car

  Provide information: ID card, account book, marriage certificate, personal water, proof of real estate (property permits, the purchase contract, housing units, the parents of Fang Junke)

  The entire paragraph mention cars: the customer to prepare their own bare vehicle price 30%, bank loans and the rest 70%, any 4S shop, car.

  Fees: a,Insurance premium eight protection (according to the price calculation), 1950 yuan listing + cross strong insurance, the additional tax (according to the DMV calculation)

            Two, hire more fees are as follows:

                1, 1250 yuan mortgage fees, notary. (contract has the legal effect of three copies, the vehicle before the loan was not yet finished only the right to use, there is no transfer and options)

                 2, 200 yuan , customer audit fee. (the bank to a fixed residence)

                 3, according to the commission the loan amount calculation. (the company earn only a fee)

                 4, 800 yuan, pay insurance (two or three years to offset, offset 400 yuan a year, in order to make the vehicle off.)

                 5, the bank asked for a month and a half for the month, calculated according to the loan amount for the month.

  Handling process: the customer to submit application materials → bank home visits, to verify the information, go through the formalities for approval and signed a contract to provide vehicle

Two.Shaanxi Xinhe

   Price: 65000 yuan (any type of family cars, construction equipment, trucks)

  Staging time: three years

  The proportion of loans: bare vehicle price 70%

  Loan interest rates: Shaanxi Xinhe monthly interest of 5.4 per thousand, six point four eight percent annual interest rate

     (it must be explained, the two banks repayment is not the same, China bank monthly repayment amount is the same, Shaanxi Xinhe is reduced month repayment, so the two bank interest rates three years down the line, in fact almost.)

  Procedures: Shaanxi letter three days carrying vehicle.

  Provide information: ID card, account book, marriage certificate, personal water, proof of real estate (property permits, the purchase contract, housing units, the parents of Fang Junke)

  The entire paragraph mention cars: the customer to prepare their own bare vehicle price 30%, bank loans and the rest 70%, the entire paragraph car.

   Fees: a,Insurance premium eight protection (according to the price calculation), 1950 yuan listing + cross strong insurance, the additional tax (according to the DMV calculation)

            Two, hire more fees are as follows:

                1, 1250 yuan mortgage fees, notary. (contract has the legal effect of three copies, the vehicle before the loan was not yet finished only the right to use, there is no transfer and options)

                 2, 200 yuan , customer audit fee. (the bank to a fixed residence)

                 3, according to the commission the loan amount calculation. (the company earn only a fee)

                 4, 800 yuan, pay insurance (two or three years to offset, offset 400 yuan a year, in order to make the vehicle off.)

                 5, the bank asked for a month and a half for the month, calculated according to the loan amount for the month.

  Handling process: the customer to submit application materials → bank home visits, to verify the information, go through the formalities for approval and signed a contract to provide vehicle

     The cost of a single count down, not out of any charges, some 4S shop at sixes and sevens. A lot of cost, but many are not necessary to dig, 4S shop is the use of customers for the assured attitude stately in charge, in fact, most of the charges on the sales manager's pocket. 4S shop itself is not qualified to direct bank for auto business, some only lend their financial company, the initial cost is very low, but the monthly interest is exorbitant, is to use the customers look only at the moment.

    Well, the rest is my contact, phone: 18629012727, QQ:39504989, my name is: Lu, welcome you to inquire, also a repeat, after 10 in the evening, before 9 in the morning, do not disturb, thank you!