1. First of all, the registered capital of the company is more than 500,000 yuan, and the company has been established for more than one year.
2. Secondly, it is necessary to provide a guarantee recognized by the bank, and the borrower is the shareholder of the company.
3. During the loan application period, deposit no less than the down payment for car purchase specified by the bank.
Finally, I am willing to accept other necessary conditions put forward by the bank.
Car price down payment = cash purchase price × (down payment ratio is 30%-80%)
Total down payment = down payment+insurance premium+license fee
Loan amount = cash purchase price-down payment
The average monthly payment is five years.
The calculation formula is: repayment amount per installment = loan principal/number of repayment installments;
Interest payable in each installment = remaining principal of last month × monthly interest rate of loan.
There are also many forms of installment payment: the purchaser pays by installment, usually paying the down payment first, and then paying the second money after receiving the notice from the real estate agent; Divided into three installments, and the third installment will be paid within a certain period of time after check-in.
In this way, the buyer usually pays more than one-time payment, but at the same time it can reduce the possible losses in the auction, such as "unfinished houses", as well as the decline in house prices other than the down payment and the changes in the economic situation of the buyer.
Loan installments are generally paid off in several years. The key here is when the installment payment will start except the down payment, in other words, when the loan bank will hand over the loan from the property buyer to the real estate developer. This time can start as soon as the loan procedure is completed, or it can start as soon as the house is handed over, which is more beneficial to the buyers.
Of course, how to pay is not the wishful thinking of buyers. If real estate developers have no strength, they must rely on buyers' money to build houses. Usually, they will not agree that the buyer's second payment will be delayed until delivery. In this case, property buyers can only decide whether to buy a real estate developer's house.
Baidu encyclopedia-installment payment
Refer to the above content: Baidu Encyclopedia-Car Installment Payment