First, the process of loan to buy a car
First, find a financial institution that is willing to provide loans. Many brands of cars have their own financial companies, and if there is no dealer, they will recommend them. Find the financial institution that provides the loan, and then prepare the financial proof materials, including: real estate license, work certificate, social security certificate, household registration book, ID card, personal credit certificate issued by the People's Bank of China, and personal account of the bank in the last three months. The whole loan approval process takes about 15 working days. Some vehicles need to pay part of the down payment, so you need to prepare some cash. Now the price of vehicles is relatively cheap, and many people have little pressure to borrow money to buy cars, so it is very common to handle them, so it takes a short time. It takes several days to apply for a loan to buy a car, and it usually takes half a month to get it done.
Second, repay the loan on time.
If this is also the 1 year of driving, it is suggested that it is not too good to buy a car in the 1 year, but to buy a used car, because this is only the car you practice, and there will definitely be a little collision when driving in the 1 year. Buy a second-hand car or a cheaper car, even if it is broken, it won't make you feel so distressed. Anyway, if it is a new car. In addition, you must carry out normal maintenance and maintenance of your car to avoid some unexpected situations, and you must know that you bought a car with a loan. Don't wait until the car loan is paid off, and your car will be scrapped. From this point of view, it's too uneconomical. But it must be remembered that since you have chosen a loan to buy a car, you must finish this matter and repay it on time, otherwise the car may be seized.