FMCG sector HS code analysis

List of contents of this article:

• 1, What are the conditions for car installment payment?
• 2、How much is the down payment for car installments

What are the conditions for car installment payment?

1. (1) The car buyer must be at least 18 years old and be a Chinese citizen with full civil capacity. ( 2) Car buyers must have a relatively stable career and a relatively stable economic income or have easy-to-realize assets, so that they can repay the loan principal and interest on time.

2. Legal analysis: Car owners who apply for installments should first prepare the following materials: ID card, loan application form, housing certificate, personal income certificate, and guarantor ID card.

3. What are the conditions for buying a car in installments? The conditions for buying a car in installments are as follows: over 18 years old and under 60 years old. Have the ability to repay principal and interest, have a fixed source of income, and the monthly payment amount shall not exceed 60% of the total disposable amount of the family.

4. Customers need to meet the following conditions to buy a car in installments: the customer has a valid identity certificate. When buying a car with a loan, the lending institution will review the customer's identity information, and the customer needs to submit a valid identity document. The customer's age meets the requirements.

5. The conditions for buying a car in installments are: the car buyer must be at least 18 years old and a Chinese citizen with full civil capacity. You must have a relatively stable career and a relatively stable economic income or have assets that are easy to realize.

How to pay in full

1. First, go to the 4S store to choose your favorite vehicle, and then go to the cashier to pay. The payment procedures include invoicing, etc., which will take about 3 hours. Then the relevant car insurance will be purchased. The next day, the company will redeem the certificate, and then the purchase tax and face-to-face signing will be paid. Finally, the license plate and the number can be selected to prepare to pick up the car and complete the car purchase process.

2. Payment by cash and bank card payment is possible. To buy a motor vehicle in full, you need to pay the final negotiated price of the motor vehicle to the car dealer at once, and then buy insurance and issue the temporary license plate of the motor vehicle, so that the vehicle can drive.

3. Installment payment: You can negotiate with the car dealer to pay the car purchase in several installments to reduce the pressure of one-time payment. This method requires you to provide proof of income, credit record and other materials for the car dealer to evaluate. Cash payment: If you have enough cash on hand, you can pay for the car directly in cash.

4. You can buy a car in full by cash or by bank card. To buy a motor vehicle in full, you need toFinally, the negotiated price is paid to the car dealer in a lump sum, and then the insurance is purchased and the temporary license plate of the motor vehicle is issued, so that the vehicle can be driven.

5. The process of insurance can be carried out together with buying a car. If you buy a car with a loan, your insurance can only be the insurance designated by the 4s store. If you buy a car in full, you can choose the insurance at will.

6. The pick-up process of buying a car in full is relatively simple. You must first check the vehicle and pay the full amount after confirming that there is no problem with the new car, and then you can drive the car away. The sales staff of the 4S store will give you all the relevant documents.

How to pay in installments for cars

The third is the company's finance, that is, the car installment business provided by the group company where the car dealer is located, and the handling fee is about 12%.Fourth, the model of guarantee companies actually adds the participation of guarantee companies between car customers and banks, and the cost is generally more than 13%.

To buy a car in installments, you need to consult the dealer to choose. After selecting the model, sign a car purchase contract with the dealer and determine the payment method; then choose installment payment, prepare the relevant procedures, and submit a loan application to the bank; after the bank approves, the car loan will be paid directly to the dealer, and then consumers can Use a car.

The process of online car booking and installment payment is as follows: 1 Fill in the car consumer loan application form 2 Prepare the materials household registration book, guarantor ID card, housing certificate, personal income certificate, all documents must be originals and photocopies, etc. 3 Submit materials to the online car purchase platform to apply for installment car purchase 4 Pay the car to the platform .

How to buy a car in installments? Can it be done for five years?It's okay. Special groups can do it for 5 years (special groups include civil servants, teachers, police, lawyers, etc.).

First of all, customers need to have a bank credit card, and then choose a model that can be purchased with a credit card. They still need to fill in certain forms and submit corresponding materials to get their favorite car.

How to pay for a car

1. In the absence of an existing car, the payment order when buying a car is: pay the deposit and sign an order contract with the 4S store at the same time. The contract specifies the specific details, such as the model, color, and pick-up time Wait for. After paying the deposit, you must ask the merchant for a receipt and keep it intact.

2. Installment payment: You can negotiate with the car dealer to pay the car purchase in several installments to reduce the pressure of one-time payment.This method requires you to provide proof of income, credit record and other materials for the car dealer to evaluate. Cash payment: If you have enough cash on hand, you can pay for the car directly in cash.

3. Payment by cash and bank card payment are possible. To buy a motor vehicle in full, you need to pay the final negotiated price of the motor vehicle to the car dealer at once, and then buy insurance and issue the temporary license plate of the motor vehicle, so that the vehicle can drive.

4. First, bank mortgage is also the most traditional way. Like housing mortgage, it generally requires a down payment of more than 3 floors, and the installments are up to 4 years, up to 3 years. The fee is usually a three-year benchmark interest rate or 10% higher than the benchmark interest rate, which is between 5% and 5% and 5% for three years.

5. The trap of buying a car with a loan. Many car financial companies have launched interest-free car loans, but it should be reminded that zero interest does not equal zero cost. Handling fee: Many financial loans claim to be interest-free installments, but in fact there will be some handling fees. Overall, the renewal fee will and interest The rate is almost the same.

How much is the down payment for car installments

The down payment for buying a car in installments can be determined according to your actual cash situation. Generally, you can choose 20%, 30%, 40% and 50% down payments, ranging from the highest 50% to the lowest 20%. In a word, the higher the down payment ratio, the fewer conditions that need to be reviewed.

20%50% down payment for buying a car in installments, rootAccording to the different loan methods chosen by consumers, the application materials provided are not required, and the down payment ratio may also be different. At present, most banks stipulate that the minimum down payment is 40% of the selling price of the whole car, and the minimum loan term of car finance can reach 20%. Generally, there are two options: 3 years and 5 years.

The down payment for car installments is usually calculated at 30%, and the term of the loan is controlled within three years, and the car loan can be settled within three years.