Zero down payment car purchase process: 1, choose loan car purchase mode. Mode 1: the customer directly applies for a loan to buy a car at a bank outlet. After the guarantee procedures are implemented, customers can choose dealers to buy cars they are satisfied with; 2. Mode 2: Select the car to be purchased at the special dealer of the bank, sign a car purchase contract or agreement with the dealer, and then apply for a loan through the dealer. Choosing a loan to buy a car carefully is the most important step in the process of buying a car with a loan. 3. Application: After you are optimistic about the vehicle you want to buy, fill out the Application Form for Automobile Consumption Loan and the Credit Status Questionnaire, and submit them to the loan bank together with relevant certificates of personal situation, vehicle price (fare) and vehicle information parameters on the certificate (provided by the seller); 4. The bank conducts pre-loan investigation and approval: after accepting the loan application, the bank investigates the credit status of the borrower and guarantor. For those who meet the loan conditions, the bank will promptly notify the borrower to fill in various forms. Signing: notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures; 5. Lending: The bank issues loans, which are directly credited to the account of the car dealer. Million car purchase subsidy
Second, the specific process of buying a car with a zero down payment loan?
As a consumer, I think it is necessary to clarify the truth that "the wool is on the sheep". All the zero down payments I've seen are ultimately gimmicks. If you are charged less here, you will be charged more there. If there are really no special circumstances, I still suggest finding a reputable company to buy according to the normal process:)
3. What are the conditions for buying a car with a zero down payment loan?
It is necessary to fill in the Application Form for Automobile Consumption Loan and the Credit Status Questionnaire, together with the relevant certificates of personal situation, the vehicle price (fare) and the vehicle information parameters on the certificates (the seller's discount loan to buy a car process: 1). Choose the loan to buy a car mode. Mode 1: the customer directly applies for a loan to buy a car at a bank outlet. After the guarantee procedures are implemented, customers can choose dealers to buy cars they are satisfied with.
Zero down payment interest-free car purchase mode 2: select the car to be purchased at the bank's special dealer, sign a car purchase contract or agreement with the dealer, and then apply for a loan through the dealer. Choosing a loan to buy a car carefully is the most important step in the process of buying a car with a loan. After getting two cars, fill in the Application Form for Automobile Consumption Loan and the Questionnaire of Credit Status, and submit them to the loan bank together with the relevant certificates of personal situation, vehicle price (fare) and vehicle information parameters on the certificates (provided by the seller).
3。 The bank conducts pre-loan investigation and approval: after accepting the loan application, the bank investigates the credit status of the borrower and guarantor. For those who meet the loan conditions, the bank will promptly notify the borrower to fill in various forms. 4。 Contract signing: notify the borrower to sign loan contract, guarantee contract, mortgage contract insurance and other procedures. 5。
Lending: the bank issues loans, which are directly transferred to the car dealer's account. If the borrower really needs to buy a car and the current car down payment, zero down payment is still an option. After the borrower chooses a zero down payment loan to buy a car, it can avoid leaving a bad record because of the heavy repayment pressure.
Fourth, the detailed strategy of buying a car with zero down payment?
1. The so-called zero down payment car purchase is a brand-new car purchase method. Relying on banks or auto financing companies, more people can buy their beloved cars. Mainly seen in car dealers or car supermarkets.
2. Like buying a car with zero interest rate, buying a car with zero down payment is actually a promotion means, that is, giving you the down payment at the beginning, but it is not really free, but dividing the down payment into n months "installment payment".
3. The models that buy cars with zero down payment are generally not the explosions that have just been listed, but some slow-moving models or cars with long inventory time, that is, under the guise of buying cars with zero down payment, let you walk into the store for marketing bombing.
In fact, there are many traps for consumers to pay for buying a car with zero down payment. First of all, the bank's interest rate is not necessarily the lowest, and the late repayment is the same as the mortgage, and the pressure is also great.
5, and then the price of the car is too high. In fact, there is no need to be afraid. You can go to other local stores in 4S for comparison, and then get a more realistic "landing price".
6. In addition, in order to prevent and control risks, car dealers often increase various procedures for buying a car with zero down payment. The added cost before and after is also indispensable, but it will be more. Advise friends who want to buy a car to treat it rationally.