You know how many mortgage to buy a car?

In order toMortgageThe car has become a way for young people to buy a car. Although many people is no stranger to the word "mortgage", but in actual operation, the mortgageCar BuyingThe need to provide what kind of data, through what kind of program, which links require special attention, many people are not very clear.

Some people think that, as long as the choice of mortgage purchase a car way, can easily have their own car, while others have said, mortgage purchase a car, the life pressure big, regret the mortgage purchase a car. Mortgage purchase a car this way is how far away from us?

　　Technological process

　　Mortgage procedures complicated

The mortgage business, consumers need to provide information to general: identity cards, account of this, work certificate, academic degree certificate, payroll, labor contract, real estate certificates, proof of marriage, including credit records, title, social security card, driving license. The different mortgage business requirements are different, but the above information, to include more than 90% data.

In the process, the general need to experience the applicationLoan, qualification, procedures, the signing of the contract. The examination and approval of applications for loans and qualification normally takes 1 weeks, and even up to 1 months after the procedure, and the vehicle licensing, we need some time. If the choice of mortgage purchase a car, the best I can plan a advance.

Procedures for mortgage business appears to be somewhat cumbersome, in preparation for the need to provide information, and then fill out the application form, exhibition sales staff are usually very clear guidance for consumers, while the rest of the process is generally arranged through-train. It is noteworthy, all the needs of consumers signed contract, agreement, documents, should carefully read, do not understand, or that the controversial points, and proposed to solve. Once signed, the contract, agreement, documents and so on, will produce the corresponding legal effects, may have an impact on the consumer.

　　Tips

　　Beware of the blind and negligence

First, apply for loans before, it is best to have a clear plan, settled Shoufu expenses, and after a month to pay money, car car costs, avoid the purchase a car after their cause too much pressure to pay.

Two, understand the mortgage purchase a car loan for which one, the designated by the insurance company for which a claim, quality of service, select a maximum security coefficient for their own programs.

Three, byIntermediaryParty guarantee of mortgage loans, must ask the intermediary costs. In the handling process, attention must be paid to the suspicious, or fuzzy fees, prevent the intermediary consumer use of blind high fees or charges. In addition, in the payment of fees, request the other party to issue a formal document.

Four, the general loan will require mortgage for vehicle insurance against all risks, the price is also relatively high, in fact the relevant insurance consumers can choose according to their own needs, save part of the cost.

Five, for the mortgage, best can dear dear as force, avoid any problems generated by proxy.

　　The concept of

　　Is a luxury or reason

Mortgage, in our present way of life, are more like young gens peculiar. Different from the traditional idea, the advance consumption patterns have Public opinions are divergent. The Conservatives think, no paid use commodity some heart not 'open' feel, not; in the foreseeable, ahead of consumption is a wise choice.

In western countries, the automobile finance after a long time of development, has become a mortgage to buy a car to car sales main methods of payment, in the global annual total amount of car sales, car finance provides about 70% of the amount of. But in China, the form of mortgage purchase a car, is far lower than the proportion.

In fact, the emergence of this situation, in addition to the concept of consumption, also associated with the relevant requirements of the mortgage.

It is understood, at present the market mortgage, mainly has three forms, one is directly provided by the automobile finance mortgage, such as the first Buick, Ford finance, currently a total of five; two is directly provided by the bank system of mortgage; three is through the intermediary parties (such as insurance companies) guarantee the system, provided by a bank mortgage. In this three mortgage, mortgage and also owing on the loan credit, constitute the basic conditions, but also affects the lives of consumers and consumption concept.

After the mortgage purchase a car, some people obviously feel the life pressure increases, and the actual demand for the car is not had imagined, luxurious feeling arise spontaneously; although some people the monthly cost more, but ahead of schedule due to own a car, work more handy, life is more comfortable, so deeply that a wise.

Is a luxury or wise, not in the mortgage, but in the consumers themselves. To measure the need and current situation of their own, it is wise to.

　　Consider

　　Mortgage and problems

As mortgage to buy a car before the pros and cons, the mortgage business, it is best to consider.

　　Lee: not time-consuming laborious

At present, the market for mortgage business, the first purchase a car paid in 3-7 between owing on the loan period, in the years between, and a one-time payment of shoulder the pressure will be much smaller. If you buy a car for $150000, and the 3 into a down payment, then, Shoufu plus car purchase tax, insurance, relevant fees, may be the first payment only within 60000 yuan.

In this way, you can advance their own car not only, also can arrange their own savings, create a virtuous circle of the way of managing money for their.

　　Disadvantages: expenditure, risk

Mortgage provides convenient at the same time, there also exist some disadvantages.

The current mortgage business, most of the immovable property as collateral, and strictly pay a certain proportion of funds. During the period, if due to special problems and not according to the specified time payment, consumer and mortgage of real property will be as mortgage risk. In addition, because the repayment period extended, consumers need to pay the interest on the loan interest rate is certain, is likely to be higher than bank interest rates.