How to get an installment car at home: Analysis of hot topics on the Internet in the past 10 days
With the diversification of car consumption methods, installment car purchase has become the choice of more and more consumers. However, there are differences between the installment vehicle purchase process and the traditional full-pay car purchase, which has recently become a hot topic across the Internet. This article will combine the hot topics of the past 10 days to provide you with a detailed analysis of how to get the installment car to your home.
1. Basic process of installment car ownership
The installment purchase process can be divided into the following key steps:
| steps | Operation content | Materials required |
|---|---|---|
| 1 | Confirm loan approval | Loan contract, bank/financial institution loan approval certificate |
| 2 | Pay down payment | Down payment voucher, proof of identity |
| 3 | Apply for insurance | Compulsory traffic insurance policy, commercial insurance policy |
| 4 | vehicle purchase tax | Car purchase invoice, vehicle certificate |
| 5 | Vehicle Administration Registration | A complete set of original materials and copies |
| 6 | mortgage registration | Mortgage contract, financial institution authorization letter |
2. Summary of recent hot issues
Based on the popularity of discussions across the Internet, we have sorted out the top 5 issues that have attracted the most attention in the past 10 days:
| Ranking | hot issues | discussion index |
|---|---|---|
| 1 | Does installment car ownership require a guarantor? | 8.5/10 |
| 2 | Restrictions on installment purchases of cars in other places | 7.8/10 |
| 3 | Receiving installment subsidies for new energy vehicles | 7.2/10 |
| 4 | Second-hand car installment process | 6.9/10 |
| 5 | Handling loan defaults after registration | 6.5/10 |
3. Things to note when installing a car in installments
1.Prepare all materials: In addition to conventional materials, installment vehicles also need to provide authorization documents from financial institutions. Complaint cases in the past 10 days show that 23% of account registration delays are caused by incomplete materials.
2.Insurance beneficiary designation: The financial institution is usually required to be listed as the first beneficiary during the loan period, which is one of the most frequently asked questions by consumers recently.
3.Mortgage registration timeliness: Some areas require mortgage registration to be completed within 7 working days after purchasing a car. If you exceed the deadline, you may face penalties.
4.Check the cost details: Among the "hidden charge" complaints exposed in the past week, GPS installation fees (average 800-1,500 yuan) and mortgage registration fees (200-500 yuan) are the most controversial.
| Charge items | regular charges | Disputed points |
|---|---|---|
| Listing fee | 200-500 yuan | 4S store price increase service |
| Mortgage registration fee | 200-500 yuan | Fees are not transparent |
| GPS installation fee | 800-1500 yuan | Not mandatory but bound |
| loan servicing fee | Loan amount 1-3% | Questionable calculation method |
4. Hotspots of Regional Policy Differences
Recent policy adjustments in various places have triggered widespread discussion, especially changes in the following three aspects:
1.Issues with purchase restriction city indicators: Beijing, Shanghai and other cities require that installment purchase quotas must be obtained first, and related inquiries have increased by 40% in the past seven days.
2.New energy vehicle subsidies: Guangzhou, Shenzhen and other places have adjusted the subsidy application process for new energy installment vehicles and require financial institutions to register simultaneously.
3.Cross-provincial pilot program: The cross-provincial service for motor vehicle mortgage registration launched by the Ministry of Public Security is currently being piloted in the Yangtze River Delta region with good results, and related topics have been read more than 12 million times.
5. Expert advice
1. Give priority to financial institutions that have a cooperative relationship with the vehicle management department, which can shorten the account registration time (an average saving of 2-3 working days).
2. Make an appointment in advance through the "Traffic Management 12123" APP. Recent data shows that the average processing time for reservation users is only 60% of that of non-appointment users.
3. Keep scanned copies of the complete set of materials. In the past 10 days, 27% of the dispute cases involved missing materials.
4. Follow the WeChat official account of the local vehicle management office to obtain the latest policies. Recently, many regions have updated the list of installment vehicle mortgage registration materials.
From the above structured data analysis, it can be seen that although the process of installment car ownership is slightly complicated, it can be completed efficiently as long as you understand the policy in advance and prepare all the materials. It is recommended to consult dealers and financial institutions in detail before purchasing a car to avoid delays caused by information asymmetry.
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