Personal advice:
If you need to buy a car, you'd better not choose a loan to buy a car, because it requires a certain handling fee and has very strict requirements on my qualifications. If your credit report is good, there is no bad record, and you have certain economic income and repayment ability, then the loan application is very simple, but if you have personal credit problems, you can't apply for a loan normally. Therefore, we must learn to maintain personal credit information in our lives. It is worth mentioning that there are two repayment methods of BYD auto finance loan, one is average capital, and the other is equal principal and interest. Under the same circumstances, the total interest of the average capital will be less than the equal principal and interest, which is also a problem that I hope you can understand.
Extended data:
First, the auto loan repayment record query method
1. Inquire at the bank where the car loan is located: the car loan applicant can bring his ID card to the corresponding window of the bank to handle the car loan business. He can not only ask the bank staff how many car loans are still outstanding, but also ask the staff to help him print the repayment list and understand his repayment situation.
2. Call the customer service phone number of the bank where the car loan is located: directly call the customer service phone number of the bank to provide the general information of the loan applicant, so as to know how many car loans are still outstanding, but it is impossible to inquire more detailed repayment records in this way.
3. Online inquiry: If the lender has opened online banking, it can log in to online banking for inquiry. After logging in, you can find the car loan inquiry page, fill in the corresponding information to inquire about the remaining situation of the car loan, and you can also know the previous repayment record without going to the bank for inquiry.
Second, the car loan application materials:
1. Original ID card, household registration book or other valid proof of residence, and provide its copy.
2, occupation and economic income certificate, personal account for nearly 6 months running list.
3 car purchase agreement, contract or letter of intent signed with the dealer.
4. Other documents required by the Cooperation Organization.