When you buy a car, you usually need a car loan. However, how can you solve this dilemma if you have already paid a down payment but do not want or are temporarily unable to make a car loan? We will then analyse this issue from several angles。

How can you pay a down payment

First, from a bank perspective. If you don't want a car loan, you can contact the bank and cancel the application. It should be noted, however, that the withdrawal of a car loan application is not an easy matter. Because at the time of the purchase of the car, the down payment you paid is likely to have been stamped by the salesman on the loan。

Second, from the point of view of vehicle purchase channels. If you're buying a car at the garage, you can negotiate with the car. In consultation with the car industry, such operations as the return of goods or the modification of the model may be undertaken to resolve the situation. It needs to be noted, however, that a partial handling fee may be charged for the return of goods or the remodelling of vehicles。

From a legal point of view. The way in which a down payment is made, however, many friends tend to think of default. However, there is a certain legal risk of non-compliance. In addition, if you have entered into a car purchase agreement with a salesman but do not agree in the car purchase agreement on the non-submission of a loan application after the deposit has been made, your breach of contract will be deemed illegal。

Finally, from a personal financial point of view. If you have made a down payment and are unable to make a car loan, it is suggested to consider the option of buying a car or a second-hand car. In the case of vehicles purchased directly from the garage, a mortgage loan may be requested or the option of paying the full amount to avoid the problems caused by the loan。

In conclusion, it is not easy to resolve the problem of how a down payment allows the car to borrow. It is recommended that the purchase of vehicles should be informed in a timely manner before they are purchased, as well as of the vehicle loan policy, etc., in order to avoid unnecessary economic loss。