In the absence of sufficient cash to buy a car in full, in addition to buying a car with loans, credit card installment car purchases are becoming more and more popular. Major banking institutions have also launched many credit card purchase installment payment promotion activities. So what procedures are required to apply for credit card purchase installment payment when purchasing a car, and what are the restrictions? The editor of Jiacai Management Network will give you a brief introduction.
1. Go to the car dealer first to select a car. Selecting a designated model is the main priority for each car.
Pufa Bank credit card installment purchase has certain limitations. The most important thing is that the limit is limited, and only supports the purchase of medium and low-end models below 200,000 yuan, and there are also restrictions on models, only for designated models that are cooperated by banks and dealers.
2. Prepare the car purchase price. Before confirming the purchase of the credit card installment, we should call the bank to consult our credit limit.
Generally speaking, the down payment ratio for credit card installment purchase is at least 30% of the price of a naked car, but not everyone can get a 70% loan amount. Generally speaking, the cardholder bank will give you the appropriate loan amount based on your personal qualifications.
3. Negotiate the price of the car, and you can also participate in some discount activities in the 4S store.
Credit card installment payment Car purchase fee, except for paying the additional handling fee, the form of car purchase is exactly the same as that of buying a car in cash. Car buyers can first negotiate the price of their car with the car 4s store and can also participate in the discount activities of the 4s store. Then apply for credit card installment payment from the bank to purchase the car.
4. Prepare premium in advance.
Credit card installment car purchase fee is generally paid in one lump sum when the down payment and the first monthly payment are paid. When buying a car, you must prepare the down payment, purchase tax, , insurance, compulsory traffic insurance, license fee, handling fee and other fees.
or above is the personal experience of credit card purchase and installment payment that the editor has shared with you. Of course, there will be some differences in policies in different regions or banks. This requires you to ask, read and compare more before choosing credit card purchase in installments. If you are still not sure what procedures are required for installment payment for credit card purchases, then you might as well go to the 4S store one by one to ask about the detailed policies.
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