Many friends who live in Shenzhen prefer to buy used cars. On the one hand, it is cheap and good, which can satisfy your own idea of buying a car. On the other hand, they are easy to maintain and don't have to worry about auto parts. Parts of new cars are not only expensive, but also always out of stock. Therefore, combining a series of factors, buying used cars has become a favorite way for many people. So what should I pay attention to when buying a used car in Shenzhen?
(1) The vehicle type should be clear.
In trading models, please clearly indicate the comfort type of Honda Accord, such as 20 14, and don't write the code vaguely according to the driving model.
(2) Age difference between vehicle production date and registration date.
Whether it's a vehicle or something else, there will always be inventory. When we ask about the year of the vehicle, the general merchants will tell us the registration date of the vehicle, but it should be noted that the price of the vehicle in stock will be relatively low. What we need to pay attention to is that the longer the inventory time, the greater the price difference. Generally, the domestic storage time is about 3 months, and there is a certain price difference over 6 months. The imported car is normal within 6 months, and it is counted as an inventory car for more than 9 months.
(3) Vehicle taxes and fees are clear.
It should be noted that some merchants do not inform them of the arrears, and there is no problem when trading, but there may be tax problems when selling again. However, in the normal second-hand car market, before the second-hand car transaction, the taxes and fees of the vehicle are always guaranteed to be complete.
(4) Description of vehicle deposit agreement
If you want to buy a used car, I believe you have done some preparatory work. If you decide to buy a used car, you need to pay a deposit, which is generally about 5-30% of the negotiated transaction price of the vehicle. The vehicle of the merchant should be stated in the deposit agreement. If the merchant sells the vehicle within the retention period, a double deposit is required as a punishment. If the retention period is exceeded, according to relevant laws, the deposit is justified not to be returned to the buyer.
(5) Description of vehicle loan
When buying a second-hand car, you may not be able to pay the full amount for various financial reasons. At this time, you should apply for a second-hand car loan, so you should pay attention to the need to explain in the transaction contract. If you can't apply for a loan due to business reasons, you need to refund the deposit and pay the liquidated damages. If you can't apply for a loan because of the buyer, you don't have to refund the deposit. In short, it needs to be specified in the contract.
(6) Description of additional use conditions of vehicles
When buying a second-hand car, many buyers will have some problems in advance, such as replacing new tires, after-sales service and extending the warranty, but there will always be problems in the last link, so in order to avoid disputes, we should write the matters into the contract.
(7) ID card security requirements
We know that the vehicle transfer needs the original ID card and the original vehicle, and it is necessary to indicate the return time, purpose and time of the ID card in the contract, and the copy should be written as "for vehicle transfer only" to avoid unnecessary trouble.
How to apply for installment payment for used cars?
Specifically, to apply for a second-hand car loan, you must have an ID card and a fixed house, which is a prerequisite. The second is the age requirement, generally a citizen aged 20 to 60, and you must have a stable job and a stable income, so as to ensure your ability to repay the principal and interest of the car on time.
Loans to buy used cars need to provide the following three types of information and certificates: the identity card, household registration book, residence certificate and income or labor certificate of the car buyer; Proof of the relationship between the loan purchaser and his spouse; Two recent one-inch photos.
The process of buying a used car with a loan is roughly as follows: go to the second-hand car distribution point for consultation; Submit the submitted materials to chain stores for preliminary examination; Pay down payment, choose car models, sign car purchase contracts with dealers, and handle insurance. Acceptance and approval of banks; Dealers handle vehicle-related procedures for customers and deliver vehicles.
How can Shenzhen get a loan to buy a used car if it is not good for credit reporting?
Regarding the credit investigation, if the circumstances are not very serious, such as there is no overdue phenomenon at present, or those who are not tired for three times in two years have a few overdue times and have a good credit investigation record in the last year, it is still possible to successfully apply normally. If the credit information is hacked but not blacklisted, and the bank loan is unsuccessful, you can try to apply for a loan to buy a car from an auto financing company. If the credit information is hacked seriously, the blacklisted person cannot make a loan.
Whether you can buy used cars by stages depends mainly on the audit of banks or lending institutions. If you pass, you must pay the monthly payment on time until you pay off the loan.
The staging of second-hand cars is similar to the staging of buying new cars, and information needs to be submitted to banks or lending institutions for review, but the information required by different institutions in different regions will be different, and everything is subject to the relevant rules of the institution where you apply for a loan.
How about handling a second-hand car loan at Ping An Bank?
Conventional loans, with a loan of 600,000 years and interest of170,000, are deceptive, and there is no way to complain, so early repayment is not allowed.
1. When Ping An Bank applies for automobile mortgage, the borrower, * * together with the borrower and guarantor shall meet the following conditions:
① There is our car loan branch in the city where the car is purchased;
② The age is above 18 years old, and the loan period of the lender is not more than 70 years old;
(3) Legal and valid identification documents shall be provided;
④ No bad credit record;
⑤ Personal legal assets with stable legal income or sufficient to repay the loan principal and interest;
6. Chinese, Hong Kong, Macao and Taiwan personnel and foreigners must abide by the relevant provisions of the state and local government departments.
2. You can log in to Ping An Pocket Bank APP—- Loan-My Loan to understand and try to apply.
Ping An Bank is not bad, and its relative development is relatively good.
Ping An Bank was established in 1987, and its full name is Ping An Bank Co., Ltd. It has 34 branches in China, a representative office in Hong Kong and its headquarters in Shenzhen, China. 3 1 years ago, a bank was born in Shenzhen, the frontier of China's reform and opening up. This is the first joint-stock bank in New China-Shenzhen Development Bank. With the economic development of the times, it successfully went public and became the first listed bank in New China. Successfully listed on Shenzhen Stock Exchange with code 000 1. In that old era, Shenzhen Development Bank became the direction and goal of major banks, and also became an unforgettable memory in the hearts of investors at that time. However, due to the suffering of fate, Ping An China Bank has also experienced a series of twists and turns. 1988, the economic crisis began in Shenzhen, forcing Shenzhen to seek help from the outside world. China Bank, which is far away from Beijing, has also paid attention to a series of situations in Shenzhen and is worried about it. Prior to this, Ping An Bank acquired a number of commercial banks and launched the Ping An Bank brand. In the case that Shenzhen Zheng's development is far from what it used to be, Ping An Bank frequently contacts Shenzhen Development Bank, and the two sides have repeatedly discussed a series of issues such as equity. 20 10 On May 8th, Xinqiao Investment transferred all its shares of SDB 520/kloc-0,4,439 to Ping An Insurance, which replaced Xinqiao Investment as the largest shareholder of SDB. Subsequently, Ping An Bank took a series of measures and finally acquired SDB at 20 12 and 1. Since then, Shenzhen Development Bank, with a history of 25 years, has become the new Ping An Bank!
This listed company, which spanned a hundred years, finally ended in 20 12, but it will always be the first listed commercial bank in people's minds. From the old Shenzhen Development Bank to the new Ping An Bank, from American capital to Chinese capital, this bank, which once symbolized Shenzhen, has experienced vicissitudes of life and the glory of millions of people. The end of today is just a new beginning for Ping An Bank. I believe that Ping An Bank will develop better and better in the future and will not regress.
Can I get a loan to buy a used car? You can get a loan for a few years at most. What is the general down payment?
At present, China Bank in Shenzhen can handle personal second-hand car loan business, and you must meet one of the following conditions when handling it:
1. Shenhu may have a deep house (including the name of the spouse), or add a guarantor for Shenhu or Shenhu. Real estate can include commercial housing, military housing, welfare housing, fund-raising housing or self-built housing with legal procedures. )
2. Install GPS equipment approved by our bank, and the borrower has social security for more than half a year or commercial insurance for more than one year;
3. The insurance company agrees to undertake the performance responsibility of 100% to our bank. The borrower has social security for more than half a year or commercial insurance for more than one year, or a guarantor with social security for more than half a year or commercial insurance for more than one year is added.
If "RV-linked" method is adopted (that is, vehicle mortgage and our housing mortgage loan are bundled at the same time), the borrower shall meet the following conditions:
1. Personal housing stock loan customers of the Bank and their spouses, parents and adult children; Stock customers must deposit in our bank for one year or more.
2. Incremental mortgage customers who meet the requirements of the Bank's personal housing mortgage loan (allowed to be bundled with housing mortgage loan and handled at the same time). At present, the increment is limited to customers with first-hand housing loans. Please consult the local institutions in detail when applying for a loan.
The above contents are for your reference. Please refer to the actual business regulations.
The introduction of Shenzhen second-hand car loan conditions ends here.