There is absolutely no need to borrow money to buy a car. Think for yourself, your income is not high, and you have to borrow money to buy a more expensive car, which will reduce your quality of life in the future.
The guide price of this car is 654.38+0.399 million yuan. At that time, there was no discount, with a down payment of 30%, a down payment of 46,900 yuan and a loan of 93,000 yuan in 36 installments, plus purchase tax 1238 1, insurance 6 122, loan handling fee of 3,000 yuan and GPS installation fee of 2,000 yuan.
Nowadays, some young people obviously don't have much money, so they borrow money to buy a car in order to make people feel that they are doing well. After buying a car, I will bask in all kinds of friends. Go to a restaurant only a few hundred meters away from home to eat with friends and drive. I'm afraid others don't know that he bought four wheels.
So, is it necessary for young people to borrow money to buy a car? Personally, I think it is mainly based on my own situation to decide whether to buy a car. For example, young people need a car to start their own businesses. I think this must be bought. Even if they borrow money, I think it should be configured. After all, work needs it.
If your monthly income is ok, but the car loan is also very laborious, and you really need a car in your life, you can consider a used car and buy a new one when the time is ripe.
The last one is that you earn a lot, you need a car for your life and work, and you don't need much income for a loan.
It is necessary to repay the loan and maintain a car, and the living standard has dropped too much, at least affecting the normal life. Another friend mentioned that a car is 400,000 yuan, and the monthly mortgage plus car loan is 1 10,000 yuan. In this small city, the pressure is quite great. We have children to support and I have spare money. I won't buy a better car.
If you have children at home, having a car will save you a lot of trouble. When you go out, you don't have to squeeze the subway or bus, and you don't have to wait on the roadside. In addition, if the car saves fuel, it won't cost much a month, at least it's cheaper than taking a taxi.
Who is not young, is it necessary? The key is not whether to borrow money to buy a car, but the mentality of buying a car. You can buy it or not, that's unnecessary; Just want it, just want to open it, you are willing to bear some financial burden for it, then buy it.
What are the conditions for car loan?
For college students who just graduated, they want to buy a car of their own, but they just graduated and can't afford the full amount, so they pay part of the money first, and the rest will buy a car in the form of a loan. Next, let's look at the conditions of car loan.
Car loans need to meet the following conditions:
1, with valid identification and full capacity for civil conduct;
2. Can provide a fixed and detailed address certificate;
3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;
4. Personal social credit is good;
5. Holding a car purchase contract or agreement approved by the lender;
6. Other conditions stipulated by the Cooperation Organization.
The process of buying a car with a loan:
1. Lead customers to choose cars at the bank's special dealers and sign car purchase agreements or contracts;
2. The borrower applies to the loan bank for personal automobile mortgage;
3. Sign the contract with the consent of the investigation;
4. Go through the formalities of notarization and mortgage of automobiles;
5. The lender handles the loan;
6. After the loan is paid off, the lender cancels the pledge certificate and returns it to the customer.
In fact, buying a car with a loan has become a mainstream of society. However, for car loans, some people apply directly to banks, while others apply to some auto financing companies. Both have their own advantages. We can choose according to our own needs. Some people think that the bank is more reliable, so we will go to the bank to apply for a loan, but the steps are relatively complicated and cumbersome. Auto financing companies audit faster, but the interest rate is higher than that of banks, because they also want to make money.
Generally speaking, applying for a car loan through different channels has different interest rates. Generally speaking, it is the most common to apply to banks, but the threshold for applying for bank car loans is higher, while the threshold for auto financing companies is lower, but the interest is higher. Finally, in terms of credit cards, buying a car with credit cards has the highest interest rate, and credit cards need to have a high amount.
If we have bought a car, we should take good care of our car and pay attention to safety when driving. For girls, don't wear high heels when driving, but also insure their cars in time.
Is it appropriate to buy a car with a college graduation loan?
If you just graduated from college, it is not recommended to borrow money to buy these consumer goods (unless you have to use the car). Personally, I think we should make efforts to make money and save money in the first few years after graduation, and make some cash management arrangements during this period, which is faster than simply saving money. If the family conditions are not bad, it is another matter to borrow money to buy a car.
I just graduated from college. Can I get a loan to buy a car?
Can I get a loan to buy a car just after graduating from college? Sure, as long as you can return it, it's no problem.