House and car became the first goal of most people in this era. For the young middle-income and high-income families who are not too loose, but have no problem paying back small amount of money every month, loan to buy a car has undoubtedly become a hot way to buy a car. Car loans are not limited to bank loans. Now I will introduce four ways to buy a car.
First, buy cars by stages with credit cards. To purchase a car with a credit card loan, you only need a credit card with a good credit record within the validity period. Provide the ID card bound to the card and submit an application to the card bank. After the application is approved, you can purchase the car by stages. How can I do without a credit card? I don't need to worry. I just need to go through the formalities of buying a car with a credit card at a car dealer, which can be completed in three to seven working days.
Second, loans from auto financing companies. The convenience of auto financing company's loan lies in that it can be handled through 4S shop, and it does not have too many requirements for hard conditions such as account and real estate. But we need to provide more complicated information, such as income certificate, marriage certificate, real estate certificate and even the charge certificate issued by the hydropower company.
Third, bank car loan. After deciding on the type of car to be purchased, you can directly apply to the bank for personal automobile consumption loans. But the procedure of the qualification examination of the borrower is very complicated. Generally, it needs to provide real estate such as real estate as mortgage.
Fourth, manufacturers and banks cooperate in car loans. In this way, it will take about one to two weeks from going through the formalities to making a loan. The buyer needs to provide ID card, income certificate and other materials. The advantage of this method is that the dealer directly handles the formalities, the approval process is simple, and the passing rate is high.