1. bank car loan: formalities: you need to provide household registration book, real estate license and other information, and usually you need to use the house as collateral, find a guarantee company to guarantee, and pay the deposit and handling fee. Down payment: Generally, the down payment is 30% of the car price, and the loan period is generally 3 years. Need to pay a deposit of about 65,438+00% of the car price and related handling fees. Interest rate: the bank's car loan interest rate is determined according to the bank's interest rate.
2. Auto financing company: Procedures: Car buyers do not need to provide any guarantee, as long as they have a fixed occupation and residence, a stable income and repayment ability, and good personal credit. Down payment: the down payment ratio is low and the loan time is long. The minimum down payment is 20% of the car price, and the longest life is 5 years, without paying the mortgage fee. Interest rate: The interest rate of auto financing companies is usually higher than that of banks. Companies: SAIC General Finance, Volkswagen Finance, Dongfeng Motor Finance, Mercedes-Benz Finance, Ford Finance and Toyota Finance.
3. Automobile Factory Finance Company: Procedures: Mortgage guarantee for purchased vehicles is required. The applicant should have a stable occupation, domicile and repayment source, and have a good credit record. Down payment: the minimum down payment is 20% of the car price, and the longest period is 5 years. Interest rate: The interest rate is usually slightly higher than that of banks and slightly lower than that of auto financing companies. Companies: SAIC Finance Company, FAW Finance Company, GAC Huili, etc.
4. Credit card installment: Credit card installment is a credit card installment business launched by banking institutions. The credit limit that the cardholder can apply for is 200,000-200,000; There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for buying a car by credit installment, and the bank only charges a handling fee. The handling fee rate is different in different installments.
5. Car financing lease: Financing lease is a modern marketing method that relies on cash installment payment, introduces the separation of ownership and use right in leasing service, and transfers ownership to the lessee after the lease is over. Procedures: the threshold is low, no mortgage is needed, and non-local accounts are also acceptable. Down payment: the down payment ratio is low and the loan time is long. The minimum down payment is 20% of the package price (car price+purchase tax+insurance), and the longest period is 5 years, without paying the mortgage fee. Interest rate: Financial leasing companies customize different interest rate schemes according to different customers and modes. Usually higher than banks, but some models have manufacturers' support policies, which can reach the lowest market price. Property right: There are two ways: direct lease and leaseback. The property right of the direct-rental car belongs to the financial leasing company, and it will be transferred when the lease expires.
Salaries in various industries range from a basic salary of 2,000 to 3,000 to a monthly income of tens of thousands. You can feel your salary according to your position, experience and ability.