If you plan to buy a car with a loan, you may have to pay five fees:
Down payment, insurance premium, notarization fee, vehicle mortgage fee and related expenses. Take the car you plan to buy with a price of 6.5438+0.5 million yuan as an example: the cost is 654.38+0: down payment = purchase price ×30% (the down payment ratio of each bank is not exactly the same, here take the common 30% as an example), that is, 6.5438+0.5 million× 30% = 45,000 yuan. Expense 2: Insurance expense = borrower's accidental injury insurance (the first beneficiary is the bank), auto-ignition insurance for stolen emergency vehicles, and third-party liability insurance for vehicle damage insurance, which is about 3,000 yuan. The insurance premium shall be paid in one lump sum according to the loan term (if the loan term is 3 years, the insurance for 3 years shall be paid in one lump sum). Fee 3: notarization fee for loan contract 100 yuan (charged by notary office, slightly different from place to place). Fee 4: The vehicle mortgage fee is in 300 yuan (charged by the vehicle management department, which varies slightly from place to place). Expense 5: Other expenses such as vehicle surcharge are the same as non-loan car purchase.
This is almost the cost! I recommend a website for you, which contains a lot of similar information. If you have any problems next time, you can solve them yourself!
2. How long can I get the car/car consumption loan after the loan is approved?
Car purchase process editor
1. Guide the customer to the special dealer of the bank.
2. The borrower applies to the loan bank for personal automobile mortgage;
3. Sign the contract with the consent of the investigation;
4. automobile notarization,
5. Lenders (banks) handle loans;
6. After the loan is paid off, the lender (bank) cancels the pledge certificate and returns it to the customer.
6 required formalities editing
To successfully apply for a loan, you need to meet the requirements of buying a car with a silver mortgage.
1. Original ID card and household registration certificate, and provide their copies;
2. Proof of occupation and economic income;
3. Car purchase agreement, contract or
4. Other documents required by the cooperation agency.
After providing these mortgage procedures for buying a car, you still need a car:
1. Have valid identification and full capacity for civil conduct;
2. Solid can be provided
3. Have a stable occupation;
4. Personal social credit is good;
5. Holding a car purchase contract or agreement approved by the lender;
6. Cooperation Organization Regulations
To meet the above mortgage conditions, you can apply for personal automobile mortgage at the loan bank. In addition, after providing these materials, the bank needs to review and confirm before it can be approved.
After the loan is approved, it is usually to pay a down payment, apply for insurance and then apply for a card the next day. Go to the mortgage when the card is bright. You can take the car after you get the mortgage. It's basically about three days.
3. What are the procedures for China Bank to apply for personal car loans?
Borrowers who apply for personal car loans in BOC are required to provide the following materials: 1, loan application (including the borrower's name, address and effective contact information); 2. The borrower's valid identification materials, and the married customer must provide both the spouse's identification materials and the marital status certification materials; 3. Proof of income/assets of the borrower; 4. Credit inquiry authorization (married customers including spouses); 5 car purchase agreement, contract or letter of intent signed with the dealer; 6. Certificates or documents required for guarantee (originals and photocopies are required), including but not limited to car purchase invoices and motor vehicle registration certificates; List of mortgaged (pledged) items and the certificate (signed by myself) that the person who has the right to dispose of it (including the property owner) agrees to mortgage (pledge); Certificate of ownership or use right of mortgaged property issued by the competent department, certificate of value of mortgaged property, and document that the borrower agrees to handle insurance for the vehicle (if necessary); Pledged goods shall be delivered with pledged goods or rights certification documents (if necessary); Basic information and financial certification materials of the guarantor (refer to the requirements of materials provided by the borrower), and the guarantor agrees to perform the guarantee contract of joint and several liability guarantee (if necessary) and relevant credit certification materials; Certification documents that meet the credit conditions of unsecured consumer loans (when necessary); 7. Relevant certificates that the down payment has been paid; 8. Other documents required by the institution. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.