：
Car selection
For someone who doesn't know much about cars,
If you want to buy a car,
Where should we start? Listen more.
Professional advice:
1
, according to the price level.
When you are ready to buy a car,
We should fully consider the costs in three aspects,
The first is the price of the car:
This is an expense.
The main part of. The second is the surcharge.
：
include
10%
Vehicle purchase tax, license fee, insurance premium and travel expenses.
use
tax
(
Or road maintenance fees
)
Wait; Third, daily use fee: including fuel fee, temporary parking fee and bridge crossing fee.
Fees, annual review fees, maintenance fees, etc. These costs are a variable, which varies from person to person and from car to car. Therefore, buying a car
Qianyingchong
Consider your endurance.
2
Car brands listen to themselves.
What car to buy depends on your own pocket.
But cars of the same class,
The price is similar,
must
Choose a brand.
Try to choose enterprises with good reputation and good reputation.
Services needed after buying a car.
Never ending. Which brand of car is convenient for local maintenance, the purchase of spare parts should be given priority.
three
The displacement should be moderate.
Generally speaking, the larger the overall size of a car, the heavier its weight, and the larger the displacement of the engine. row
The larger the number,
The more fuel a car consumes,
Of course, its output power is generally higher.
Before buying a car,
you
You'd better ask yourself: What is the motivation I really need? Do I often pull heavy objects? Do I often climb steep slopes?
If the answer is yes,
be
Buying a large-displacement engine suits you.
If the answer is yes,
no
You usually
open
The cars are all inside.
100
If the speed per kilometer is around or lower, save yourself some money and buy a car with a displacement of.
1.8
Cars under the liter are equipped with Geely's independent research and development.
CVVT
Engine model is a good choice.
four
What is a hatchback?
There is no difference between a hatchback and the front of a car.
The effect is the same.
The difference is this kind of car.
Extending the passenger compartment backward to about the same height,
The rear luggage compartment and the passenger compartment are integrated,
Restore to launch.
Engine room
And the passenger compartment. Because the hatchback also has an independent front engine compartment, and the sedan
Like a car,
It also has good frontal collision protection performance,
Whether it's standard or short-headed,
all
It can meet the current requirements of frontal collision protection. There is a spacious back door at the rear of the hatchback, which makes this kind of car have the characteristics of flexible use and wide use: putting down and leveling the rear seat can get much larger cargo space than the sedan, which can be used to transport many large household appliances and household items. For example, the rear seat of Geely Golden Eagle can be folded 6/4+ horizontally, and the standard space is expanded from 486L to 1 152L, thus realizing a changeable and super-large storage space. 5. What is a car?
A common car is generally a car, so it is called a car because its body structure consists of three closed compartments with different purposes: the front engine compartment, the passenger compartment in the middle of the car body and the rear luggage compartment. The engine compartment of modern automobile also shoulders the important mission of passive safety, that is, when the automobile has an unexpected frontal collision, the engine compartment will bend and deform, absorb the huge energy generated by the collision, reduce the violent impact of the collision on the people inside and outside the vehicle, and play a role in protecting the occupants inside the vehicle. The passenger compartment in the middle of the car body is designed to be firm and rigid. When encountering the impact of collision and rolling, the deformation of the car is small, which can prevent the car door from opening and throwing passengers out during the movement, reduce the danger of injury caused by the deformation and extrusion of the car, and help passengers to open the car door smoothly and escape after the accident. The rear luggage compartment is not only responsible for the placement of luggage, but also for reducing the damage caused by rear-end collision. The car is high in the middle and low at both ends. Seen from the side, it is symmetrical and has a beautiful and generous appearance. The disadvantage is that the body size is long, so it is not very convenient to drive and park in a big city with heavy traffic. 6. The mode of payment should be determined according to the situation.
In order to promote sales and increase market share, many automobile manufacturers have formulated flexible sales schemes such as installment payment, zero down payment and purchasing by rent, in addition to reducing the selling price, which gives consumers more choices. What kind of payment method to choose, the buyer should weigh the financial situation, income level, income stability, recent large expenditure plan and other comprehensive factors.
What is consumption tax:
Consumption tax is a newly set tax in turnover tax in 1994 tax system reform. Consumption tax is a tax levied on a few consumer goods on the basis of general goods value-added tax, mainly to adjust product structure, guide consumption direction and ensure national fiscal revenue. The current consumption tax collection scope mainly includes: cigarettes, wine, wine, firecrackers, fireworks, cosmetics, refined oil, precious jewels and jade, golf balls and equipment, high-end watches, yachts, wooden disposable chopsticks, solid wood floors, automobile tires, motorcycles and automobiles.
1, the price level is within our ability.
car make and model
Passenger cars with tax rate below 1.0L (inclusive)
1%
1.0 to 1.5 liters (including 1.5 liters) passenger car 3% 1.5 to 2.0 liters (including 2.0 liters) passenger car 5% 2.0 to 2.5 liters (including 2.5 liters) passenger car 9% 2.5 to 3.0 liters.
25% of passenger cars above 4.0 liters
40%
What is the vehicle purchase tax:
Vehicle purchase tax is a tax levied on units and individuals who obtain and use taxable vehicles for their own use. On June 22nd, 2000, the State Council issued the Provisional Regulations on Vehicle Purchase Tax in People's Republic of China (PRC), which came into effect on June+10/day, 20065438. The characteristics of vehicle purchase tax: 1, which has the nature of property tax and behavior tax; 2. The vehicle purchase tax is an extra-price tax; 3. Vehicle purchase tax belongs to fee-to-tax.
1, the taxpayer of vehicle purchase tax
Units and individuals that purchase, import, produce, accept gifts, win prizes or obtain taxable vehicles for their own use in China are taxpayers of vehicle purchase tax. 2, the scope of vehicle purchase tax collection
The scope of vehicle purchase tax collection is: automobiles, motorcycles, trams, trailers and agricultural transport vehicles. 3. Vehicle purchase tax rate and tax calculation formula The vehicle purchase tax rate is 10%.
Vehicle purchase tax is levied ad valorem. The calculation formula of tax payable is: tax payable = tax payable × tax rate 4. Tax basis of vehicle purchase tax.
The taxable value of vehicle purchase tax shall be determined according to the following provisions according to different situations: (1) In taxable value, taxpayers purchase taxable vehicles for their own use, and the total price and extra expenses paid to the sellers by taxpayers for purchasing taxable vehicles, excluding value-added tax. (2) The formula for calculating the taxable value of taxable vehicles imported by taxpayers for their own use is: taxable value = customs duty paid price+customs duty+consumption tax. (3) The taxable value of taxable vehicles produced, donated, donated or obtained by taxpayers in other ways shall be verified by the competent tax authorities with reference to the minimum taxable value. State Taxation Administration of The People's Republic of China, People's Republic of China (PRC), refers to the average transaction price of taxable vehicles in the market, and stipulates the minimum taxable value for different types of taxable vehicles. (4) If taxpayers purchase or import taxable vehicles for their own use and declare that taxable value is lower than the lowest taxable value of the same type of taxable vehicles without justifiable reasons, the vehicle purchase tax shall be levied according to the lowest taxable value.
5. Vehicle purchase tax declaration
(1) If you purchase a taxable vehicle for your own use, you shall declare and pay taxes within 60 days from the date of purchase; (2) If taxable vehicles are imported for personal use, they shall declare and pay taxes within 60 days from the date of import; (3) Taxable vehicles that are self-produced, donated, rewarded or otherwise acquired for personal use shall be declared and paid within 60 days from the date of acquisition.
(4) If a vehicle with tax exemption or reduction is no longer within the scope of tax exemption or reduction due to transfer or change of use, it shall pay the vehicle purchase tax before handling the vehicle transfer formalities or changing the vehicle registration procedures. 6. Tax place of vehicle purchase tax
To purchase taxable vehicles, you should report and pay taxes to the competent national tax authorities where the vehicles are registered; The purchase of taxable vehicles that do not need to go through vehicle registration procedures shall be reported and paid to the local competent tax authorities of the taxpayer.
7, vehicle purchase tax relief
(1) Vehicles used by foreign embassies and consulates in China and international organizations and their diplomats are exempt from tax;
(two) the China People's Liberation Army and the Chinese People's Armed Police Force included in the military weapons and equipment ordering plan of the vehicle tax exemption;
(3) Non-transport vehicles with fixtures are exempt from tax;
(4) If there are other circumstances in which tax exemption or reduction is stipulated in the State Council, tax exemption or reduction shall be made in accordance with the regulations. Eight, other provisions of the vehicle purchase tax to implement a collection system. The purchase of vehicles that have been subject to vehicle purchase tax is not subject to vehicle purchase tax.
8. Types and expenses of vehicle insurance (expenses are for reference only) Basic insurance:
Third party liability insurance 50,000 =900 yuan 65438+ 10,000 = 1090 Yuan 200,000 = 13 10 yuan 500,000 = 1500 yuan 1650 yuan.
Basic premium of vehicle loss insurance+car price × rate
The five-seater car is compulsory insurance, and the seven-seater car is 950 yuan 1 190 yuan additional insurance:
Vehicle price × rate.
Self-ignition loss insurance car price x rate glass breakage insurance car price x rate no-fault liability insurance third party liability insurance x rate
Don't remember special risks (vehicle loss insurance+third party liability insurance) × rate vehicle liability insurance to see the user's tolerance.
How to apply for a bank loan:
Consult the loan terms
Loan payment is the choice of most car buyers at present. Loans must first understand the provisions of various automobile consumption loans to see if they meet the conditions and have the ability to bear them. At the same time, we should also clarify the loan procedures, so as to get twice the result with half the effort.
Negotiate with the bank
Automobile loans are jointly provided by banks, insurance companies and dealers. As the main body of credit management, dealers provide guarantee insurance, and dealers bear joint and several liability for guarantee.
What you need to do is to submit the information you need to apply for a loan to the dealer for preliminary examination. This is to let banks, insurance companies and car sales companies know about your situation. If your situation really meets the loan conditions required by the company, then you can successfully carry out the loan business. First of all, you should pay the corresponding down payment according to the model you choose. Generally, you have to pay 20% of the total car payment. Then sign a car purchase contract with the dealer and the insurance company will handle the corresponding credit insurance for you. When all this is done, the bank will accept and approve it.
In the process of bank acceptance and approval, if you pass all the credit checks of the bank account, you can negotiate the loan term and interest rate with the bank and sign a loan contract.
How to apply for the relevant driver's license?
：
Register with local authorities.
Vehicles without license plates cannot go on the road.
Therefore, local residents should go to the local traffic brigade.
(or its resident office)
deal with
Vehicle driving license. If you leave the place where the vehicle was purchased, you must first inspect the vehicle at the inspection site and apply for a temporary license before you are allowed to go on the road.
Local automobile qualification inspection
The new car must pass the physical examination in the parking lot before it can be licensed.
The vehicle inspection field is designated by the vehicle management office.
Fill in after inspection.
Motor vehicle registration form signed by the police in the parking lot.
When checking the car, you must bring all the necessary documents;
Owner's ID card,
vehicle
Certificate of approval; Imported cars also need to show the commodity inspection certificate, import bill and quasi-inspection bill issued by the vehicle management office.
Apply for a driving license
To apply for a driver's license, you must go to the designated vehicle management office to get the license.
To get a license, you need to bring the following documents:
Car purchase invoice,
Vehicle qualification
Certificate, ID card and copies of the above three items, insurance policy, certificate of purchasing additional tax, and vehicle driving license that has passed the inspection.
Watch this.
The unit must also bring the control certificate and legal person code when buying a car, and must affix the unit on the motor vehicle registration form.
Official seal. Only when the documents are complete can you get the license plate, temporary driving license and word check card.
How to handle consumer credit;
Automobile consumption loan is a special loan issued by the bank to the lender who buys a car, and the lender pays the bank in installments. Dealers assist banks and insurance companies to conduct credit investigations on users who apply for loans to buy cars. The car has not been paid back, and the ownership of the car belongs to the bank. (1), the borrower (end user) applies to the bank. (2) The bank checks the borrower's credit status. (3) Eligible borrowers are insured.
(4) An insurance policy issued by an insurance company in favor of the bank. (5) Banks issue loans to borrowers who are fully self-financed. (6) Inform the dealer to pay the car to the borrower. (7) The dealer pays the car to the borrower. (8) The borrower repays the bank loan.
After completing the licensing procedures, customers should leave copies of car purchase invoice, vehicle purchase tax invoice, vehicle certificate and driving license to the bank for consumer credit procedures.
Record a new car
After the new car got its license plate back,
You should file for the record before you apply for a driver's license. The place of filing is the local safety committee.
You must bring the owner's identity certificate and temporary driving license for the record.
Pay road maintenance fee
After completing the previous formalities, you have to pay the road maintenance fee at the road maintenance fee collection office where the owner is located.
Official vehicle registration
Official driving license: prepare two new car photos, generally.
three
Bring photos, temporary driving license and record card in the future.
And the road maintenance fee certificate to the vehicle management office where the license plate is changed.
Procedures for buying a car:
First of all, choose a Geely car and consider all factors comprehensively before deciding which Geely car to buy. In the subsequent car purchase procedure, authorized dealers of Geely Automobile will further serve you. When you choose the Geely car that you are interested in buying, you can sign a car purchase or car reservation contract with the dealer. Performance payment
When you sign a car booking contract with the dealer, you can negotiate with the dealer and pay the deposit. When you are ready to pick up the car, you can pay the full price of the car by choosing the right car. Select vehicle
You can carefully choose a car you like as your car at the dealer.
Delivery procedure:
Step 1: file transfer
1. Submit relevant documents, including but not limited to:
-Insurance card; Certificate of conformity, warranty manual and instruction manual; License plate/registration information; Tax payment certificate; Vehicle tools; A bucket of oil.
2. Understand the function of various certificates, keep them properly, and check the delivery confirmation sheet item by item according to each point. 3. Understand the procedures for vehicle registration and renewal.
4. Explain the expenses and submit documents, including but not limited to:
-Invoice; Insurance documents; License fee; Vehicle and vessel use tax; Vehicle purchase tax; Pay for goods and expenses. 5. Explain the expenses in detail. If there are any differences before the negotiation, ask why. 6. Tick the delivery confirmation form item by item according to each delivery item. Step 2: After-sales service.
7. Understand the contents and usage of the Instruction Manual and Warranty Manual in detail to avoid unnecessary troubles caused by misunderstanding in the future. Items to be understood include but are not limited to the following:
-Description of various parts of the vehicle and demonstration of basic items; Description of 400 toll-free telephone or other special service lines and 24-hour rescue service; Emergency treatment; Regular maintenance project list; List of national service outlets and "five peace of mind" service commitment. Description of free maintenance. Matters related to service guarantee content:
-Warranty time and mileage (one of them, no matter which one appears, indicates that the warranty period has expired); -warranty items and non-warranty items (such as wearing parts and maintenance materials, etc.). ) .9. Understand the service station and maintenance personnel to facilitate daily maintenance in the future:-Business hours and locations; -Service input and operation flow;
-Get the business cards of service managers and service representatives.
Precautions for delivery:
1, voucher delivery
Insurance card, warranty manual, instruction manual, certificate of conformity, tax payment certificate, etc.; 2. Description of expenses and delivery of documents
Invoices, insurance documents, license fees, vehicle and vessel use tax, vehicle purchase tax, etc.; 3. Description of "User Manual and Warranty Manual"
Instructions for use, 800 free hotline and service guarantee;
Emergency, regular maintenance project list, 24-hour rescue service; 4. Introduce the service station
Business premises, business hours, introduction of service representatives and service managers; 5, the car inside and outside inspection
The car is clean and tidy, with neat appearance, equipped with jack, tool kit, fault warning frame, spare tire and tire pressure, etc. 6. Instructions for use
Seat, steering wheel adjustment, rearview mirror adjustment, electric window operation, child safety lock, addition of engine oil and water, type and quantity of gasoline, air conditioning, defogging, lighting, instruments, audio, special equipment, etc.