What are the advantages of loans to buy a car » Are uneconomical » According to a recent National Bureau of Statistics of China's economic boom monitoring center in Beijing, Shanghai, Guangzhou, Wuhan, Zhengzhou, Chengdu and Xi'an seven cities 2,100 residents of the survey show that, after the vehicle became the second most suitable for housing consumption credit Targets, particularly on income over 3,000 yuan groups that the vehicle best suited to consumer credit more than the proportion of housing, and become the most suitable for consumer audience.
Bank: investment funds can be saved
Loan to buy a car which can bring benefits to consumers » Bank of China branch in Xiamen City of the professionals that the vehicle relative to real estate, non-value-added potential, if consumers have sufficient funds to buy a car full of, not through savings in the form of loans for investment funds another. The bank financial management staff to consumers out T account. If the purchase of a 150,000 yuan around the family car, the money has Beizu, but through the way car loans to bank loans can be 120,000 yuan, five-year period. In accordance with the current interest rate of 5.025 ‰, then take a month to the bank loan principal payment of 2538.50 yuan, the average interest paid on 306.526 yuan, 5-year total to banks to pay interest 18391.56 yuan, the average annual payment of interest 3678.31 yuan. If the savings of 120,000 yuan will be invested businesses, just one percent monthly rate of return, annualized yield on the more than 14,400 yuan. If the two stock market investment, as long as the board is a limit of 10% of revenue. Therefore, as long as investment income in more than 10 percent, far better than the investment income on interest payments.
Distributor: 50,000 Following is no need
Some of the loans to buy a car dealer is more specific understanding. Xiamen Fu Tong car trading company of Wang You think, in the Xiamen area, the per capita income level is relatively high, if the purchase of 30,000 to 50,000 yuan on the car loan is not necessary, otherwise, to pay an interest margin and Fees for lawyers. Shenlong Automobile Xiamen-yuan, sales service companies in talking about this issue Mr Cheng said: mortgage to buy a car will definitely be higher than the cost of a one-time payment, in addition to interest margin, the cost of insurance to more, But if you one-time payment of the loan to buy a car for half cash, half for investment, not only this car, but also the value of assets, cost-effective or not at a glance.
Consumer: Can simple procedures,
Most provisions of the current bank loan to buy a car must purchase a designated car dealers and banks authorized to provide the property mortgage, pledge or third party guarantees. Personal automobile consumption loans is the age of 3-5 years, the first phase of automobile consumption loans payment shall not be less than the purchase price of vehicles to 30%. Some consumers believe that if so much property, or to deposit collateral, the bank also find you do, not directly to the purchaser. In addition, the down payment amount, loans of short duration, the monthly principal and interest to be repaid too high, many people Juezhe loans do not mind at ease to buy a car, they generally think that loans can not be the price too expensive than the one-time payment. And intends to loan to buy a car were also generally felt relatively cumbersome procedure: it is necessary to provide identity cards and household registration shows that employment and income proof, and also accept credit assessment survey to provide the necessary guarantees that. Not time-consuming, but also to an additional cost. Bank told reporters that since the establishment of no personal credit system, the banks of the individual creditworthiness of a lack of understanding of the way, personal credit assessment difficult. To prevent and reduce risk, but to guarantee and strengthen examination and approval procedures for individuals to provide adequate materials, and other measures
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