Please go to the local bank loan center and apply for a car loan with relevant information and supporting documents.
The object of personal car loan:/kloc-citizens over 0/8 years old with full capacity for civil conduct; Have legal identity documents, local permanent residence or valid residence certificates.
Necessary conditions for applying for personal car loan: the borrower must have a stable professional income or assets that are easy to realize, enough to repay the loan principal and interest on schedule; The lender's own funds are sufficient to pay the down payment for car purchase stipulated by the Construction Bank; The lender must provide a guarantee recognized by the bank; The lender is willing to accept other conditions deemed necessary by the bank.
Term and interest rate of personal car loan: the term of personal car loan varies according to the credit status of customers and the purpose of purchased vehicles. Among them, the purchased vehicles are used for rental operation, car rental and transportation operation, with a maximum period of 5 years and a maximum period of 3 years for freight transportation. The loan interest rate shall be subject to the loan interest rate stipulated by the People's Bank of China for the same period, and shall be allowed to fluctuate according to the regulations of the People's Bank of China.
Personal auto loan amount: Customers who have reached Grade A or above according to the bank's personal credit evaluation method can apply for auto loans with the purchased vehicles as collateral, and the maximum loan amount is 80% of the sales amount of the purchased vehicles. If the borrower pledges with government bonds, financial bonds, national key construction bonds and personal certificates of deposit issued by banks, the maximum loan amount shall be 90% of the value of the pledge certificate. If the borrower takes the house, other things fixed on the ground or the legally obtained state-owned land use right as collateral, the maximum loan amount is 70% of the assessed value of the collateral. If the insurance company provides installment repayment guarantee insurance, the maximum loan amount is 80% of the car sales amount; The maximum loan amount for purchasing a re-traded vehicle is 70% of its appraised value. Where a third party joint liability guarantee is provided (except banks and insurance companies), a loan amount is set for the borrower (or guarantor) according to the personal credit evaluation method of the bank, and the maximum loan amount is 80% of the automobile sales amount; If you buy a re-traded vehicle, the maximum loan amount is 70% of its appraised value.
Procedures for handling automobile consumption loans: customers can choose two modes: one is to select the car to be purchased at the bank's special dealer, sign a car purchase contract or agreement with the dealer, and then apply for a loan through the dealer; Second, customers apply for loans directly at bank outlets. After the guarantee procedures are implemented, customers can choose dealers to buy their own satisfactory vehicles.
Necessary materials for applying for a loan: loan application, valid identity documents, occupation and income certificates, basic family information, certificates or documents required for guarantee, car purchase contract or agreement and other conditions required by the lender when applying for a loan through a dealer.
If the borrower takes the purchased vehicle as collateral, its insurance policy, car purchase invoice and other documents shall be kept by the bank during the loan period. During the contract period, the bank has the right to supervise the borrower's income and collateral, and supervise the guarantor's reputation and compensatory ability, and the borrower and guarantor should provide assistance.
Ford in Guiyang can enjoy an interest-free loan of 80,000 yuan for two years at sharp parity, and the low-priced model can be decided.
In foreign markets, Ford Sharp is the replacement product of the old maverick, but after re-entering the domestic market, it is not entirely the replacement product of the current maverick, but is sold together with the current maverick, forming a product camp with a larger market coverage. Its products are priced higher than Mavericks and lower than Sharp, and compete with Honda CRV, Toyota RAV4, Volkswagen Tan Yue and other products of this level. In order to have enough competitiveness, Ford's configuration on the body can be described as a bloody one. Although the starting price of 654.38+089.8 million yuan is slightly higher than that of several competitors, the standard 2.0T plus 8AT gearbox, four-wheel drive system and aluminum alloy suspension are enough to make it despise all competitors at this price. At present, it is sold at a low price in Sharp, Guiyang, and you can enjoy a 2-year interest-free loan of 80,000 yuan (in-store insurance) provided by 4S stores, and the lowest models are also accepted for booking!
As the first car of Ford's strategy in China, Sharp changed the tough and straight style of Mavericks and adopted a brand-new design language of Fox. The lines of the whole vehicle are more rounded and smoother. From the outside, you can hardly see an angular face. In the front face design, Ford's classic Martin face design is adopted, and the top model adopts a blackened honeycomb air intake grille, which makes the front face look full of fighting atmosphere and can't help but remind people of some small steel cannons; The hexagonal air intake grille in the non-ST line version adopts silver and black design elements, which is more mature and stable; Mid-to-high-end models adopt full LED headlight design, which looks more energetic;
From the side of the car body, the whole car has nothing to do with the calf. One side of calf muscle spirit disappears, replaced by a full and soft fashion sense, rich in color and more textured. The 19-inch wheel hub on the top model is relatively atmospheric, and the 18-inch wheel hub on the low-profile model is not too small, and there is no sense of disobedience with the body.
The brand-new LED taillight at the rear of the car body has the English decoration of the model under the logo, and the square exhaust on both sides is used below, which is full of movement, and the black plaque decoration above the exhaust is just right;
In the interior design, Ford changed the previous design, adopted more advanced two-color soft materials, cooperated with LCD instrument and customized 12.3-inch multimedia large screen for China users, which made the interior design look very luxurious and completely abandoned the old title of Ford interior design.
In terms of interior space, the length of 4585mm is quite satisfactory compared with the wheelbase of 27 10mm, but there is still a gap between Japanese and German in the utilization of interior space, but it is not a problem to meet the needs of home use.
Model recommendation
2020 2.0T four-wheel drive exclusive
As the middle of the three models, Ford Sharp ***3 models are fully equipped. LED daytime running lights, automatic headlights, LED front fog lights, LED combined taillights, LED high-position brake lights, electric panoramic sunroof, electric adjustment of exterior rearview mirrors, rear privacy glass, four-door anti-pinch electric windows, four-door one-button lifting electric windows, multi-function leather steering wheel, 12.3-inch central control LCD screen, SYNC car entertainment system, Ford Pass remote interconnection, car 4G Wi-Fi hotspot, USB (front row Rear row), E-shifter knob shift, EPB electronic handbrake, AutoHold automatic parking, constant speed cruise dual-zone independent automatic constant temperature air conditioner, air outlet of rear row air conditioner and high-efficiency activated carbon filter screen (with pollen /PM2.5 filtration) have met the basic requirements of this level; On the mid-equipped vehicle models, new configurations such as parallel auxiliary, lane departure warning, lane keeping, active braking, fatigue driving warning, reversing side warning, electric rear induction car, full LCD instrument panel and car air purifier are added. The price of 654.38+0.5 million, with so many configurations changed, is also quite conscience among joint venture brands. The middle model is almost fully equipped, and the top model with Rline only has the appearance and interior color.
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.
Can a foreign hukou buy a car in Guiyang by stages?
Basic conditions for foreigners to borrow money to buy a car:
1. The car buyer must be at least 18 years old and a citizen with full capacity for civil conduct.
2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan on time.
3. Hold the car purchase agreement and contract signed with the dealer.
4. Take assets recognized by banks as collateral or pledge, or take units or individuals with sufficient compensation capacity as guarantors. If the personal account of the car buyer is not local, it should also provide joint liability guarantee. The bank does not accept the mortgage set by the car buyer on the car purchased by the loan.
5. During the loan application period, the car buyer shall deposit no less than the down payment stipulated by the bank in the account of the bank savings counter.
6. Car buyers are willing to accept other conditions that the bank deems necessary.
Which bank in Guiyang can lend money to Ford Sharp?
At present, China Merchants Bank has personal car consumption loans, which are issued by our bank to customers who buy brand-new non-operating cars under my name. It is used to pay for the car purchase, and it is impossible to lend cash. (Second-hand car loans are not supported at present) If you have seen the car you need to buy through the car dealer, you can confirm whether you have cooperation with China Merchants Bank through the car dealer. If not, you can try to contact the personal loan department at the counter of China Merchants Bank directly to apply for a loan for you. The handling bank needs to examine your situation in detail to determine whether you can handle it. The maximum loan amount is 2 million yuan. And the maximum loan amount does not exceed 70% of the price of the purchased vehicle (excluding various additional taxes and premiums); The loan term is generally not more than 3 years, and the longest is not more than 5 years.
Application materials generally required for applying for a loan:
1. Identification information
2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc.
3. Proof of local residence: fixed telephone bill for any three months in the past year, or public utility bill such as water and electricity bill, or other materials that can prove the address.
4. Guarantee certification materials
5. Proof of use: For example, a car loan means providing a full car purchase invoice before the loan is issued, or providing a car purchase agreement (contract) plus a down payment invoice (or a receipt stamped with the dealer's official seal). After the loan is issued, the full car purchase invoice (if not provided before the loan is issued) and the vehicle purchase tax payment certificate must be provided.
6. Proof of repayment ability: our payroll customers can directly provide their payroll account flow; Social security account flow or personal tax bill, etc.
If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm these information in detail through the handling bank when applying for the loan.
How to deal with Guiyang automobile mortgage?
Loan conditions of mortgage loan:
Have a legal status;
Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record;
There is a legal and effective purchase contract;
If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid;
If the mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;
Being able to provide effective guarantee recognized by the loan bank;
Other conditions stipulated by the lending bank.
Let's stop here for the introduction of Guiyang car loan.