There are many ways to buy a car
Installment, cash, long-term rental, lease big 4!!
Installment cash purchases are caught in the name of the person or business
Lease, long-term rental is in the name of the rental company and financial company !!
Today, installment purchases and cash purchases can afford vehicles
Let’s find out how to live
1. Shinhan Mica Card Installment !!
-Innumerable installment products exist in capitals and banks 신한카드 자동차 카드할부
Credit card installments literally increase the limit temporarily. 이베이스매뉴얼
It is a credit card payment!!!
Why do credit card payments
cashback
up to 250,000
Because it is caught on credit card sales and monthly payments are made.
How to receive monthly installments just like using a credit card in everyday life!!
Available to new and existing Shinhan Card customers
Advantages of Shinhan Card installment plan!!
1. Early redemption fee X
2. Installment interest rate (1.9%~2.3%)
It depends on the individual’s credit rating and the number of installment months!!
3. Root Mortgage Setting X
When taking out a car loan, it is common to take a mortgage.
The reason is that customers secretly dispose of cars for cash.
This is the reason to stop!!!
If you think about it easily, you will understand that it is a card gang!
4. No documents, no visits
<Disadvantages of Shinhan Card installment plan>
1. It is not a product that can be done by anyone!!
2. Grades 1 to 3 and excellent credit or proof of employment
can happen!
EX) Let me explain with an example.
Grandeur 2.5 gasoline vehicle with a price of 40 million won
I’ll assume you’re going
If you can proceed with a full loan of 40 million won for 60 months
An interest rate of 2.3% per annum occurs
In the case of new car installments, most of them
It is an equal payment method.
It is a calculation of principal and interest payments together.
60 months, 40 million won, 2.3% annual interest rate
Monthly payment 706,372 million
Total interest 2,382,321 million
The actual cost of the vehicle is
40 million + 2,382,321 = KRW 42,382,321
Sometimes when I go to buy a used car, there are used car dealers
There is a case of recommending equal repayment of the principal for deception.
there is.
just don’t need it
Equal repayment of principal
You can product.
Whether it’s a used car or a new car, it’s best to decide on an installment plan before you go, and you can notify the salesperson in charge in advance.
Occasionally Hyundai and Kia Motors own capital
If you say that only Hyundai Capital will proceed
It must be difficult to make a good deal with the salesperson in charge!!
However, direct installment and progress of Shinhan Mica and Samsung Card
If not, Hyundai Capital has a high screening approval rate.
You can think of it as a last resort.
I hope you avoid Hyundai Capital if you can.
Shinhan Card, Hana Capital, Samsung Card, Woori Card, KB Capital
There are products with better conditions such as
The good thing about conducting third-party capital is that the sales manager provides the service.
I can take care of you more
As shown in the picture above, many financial products such as capital
there is !!
If you know a little bit, you can lower the interest rate!!
organize
1. Shinhan Card Mica Card Installment!!
(Called consultation 080-852-1252)
2. Per neighborhood and prepayment fee X
3. Cashback up to 250,000!
4. Not everyone can use the product
Anyway, let’s check the progress
(Credit ratings 1-4, if you have been employed for more than 1 year, you will be able to pass the examination without difficulty)
Handling both cash and installment payments for car leases and long-term rentals
We are an agency
If you want to know more good service and cashback information
Please contact!!