Is it worthwhile to purchase a used car in installments?
　　
Paying for a car by installment becomes the purchase method that most people who buy a car have chosen. There are fewer and fewer people paying full purchases. Loans are usually paid by installment to buy a car. Not only new cars, even used cars can be purchased this way. So, how to buy a car by installment? The current popular installment payment methods include credit cards, bank installments, auto finance, guarantee companies, and financial company loans.
　　
Among the several loan methods used to purchase cars by installment, auto finance companies and guarantee companies have lower thresholds compared to banks, but interest rates are higher. The use of credit card installment loans to buy a car focuses on the level of general home purchase, and believes that people with good income and stable income. Bank-phased loans generally require collateral to buy a car, so the focus is on those who have accumulated assets. Payment by installment The way to buy a car has different requirements for the down payment. Therefore, you have to compare the pros and cons before buying a car in installment and choose carefully.
　　
　　 Installment payment car finance company
　　
For auto finance company loans, the loan application is more convenient, directly to the corresponding 4S shop to select vehicles, according to the requirements to provide information, such as identity certification, income certification, residence certificate, then fill in a certain form, and then according to the requirements of the financial company When signing a contract, you can basically mention the car.
　　
　　 Installment Purchase Bank and Credit Card
　　
This is a more convenient and common way of operating a car for credit card installments. Credit cards are credit loans and no collateral is required. Applicants can apply if they have enough information to prove their repayment ability. The threshold for bank car loans is higher than that of other methods. It takes a long time for approval, but the interest rate is lower than other types.
　　
　　 Pros and cons of buying a car by installment
　　
Instalment payment to buy a car provides a shortcut to “enjoy first, then pay laterâ€, helping one to break down concentrated payment pressures, so that it can flexibly allocate limited funds, maximize the limited use of funds, and enjoy the most fashionable life in advance.
　　
However, when buying a car by installment, the price of the consumer goods or services will be higher than the one-time consumption, that is, the cost of consumption will increase. Although it can be divided into different stages of payment, it seems that the amount of money paid each time is not much, but in fact the payment of principal has greatly increased. Not only that, regardless of whether a new car or a used car, the automobile as a dual attribute of luxury goods and consumables, will lead to dual pressures of repayment and maintenance, so the installment payment to buy a car or to follow the "phased pressure, the loan needs to be cautious" principle, Plan your own funds.
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