貸款買的車可以不到4s店買車險嗎

① 鍒嗘湡杞︿笉鍦4s搴椾拱淇濋櫓鑳藉悧

澶ч儴鍒嗗垎鏈熶粯嬈4s搴楀熀鏈閮戒細瑕佹眰搴楀唴鎶曚繚錛屾湁鐨勮繕浼氫氦鎶奸噾銆傚傛灉涓嶅湪搴楅噷涓婁繚闄╋紝鍙鑳4s搴楀氨涓嶉浜嗐

澶у氭暟鎯呭喌涓嬶紝4S鍒嗘湡浠樻劇殑鍓嶇疆鏉′歡鏄浣犻渶瑕佸湪鎴戜滑搴楄喘涔3騫寸殑淇濋櫓錛屼絾涓嶄竴瀹氭槸緇濆圭殑銆傝繖瑕佺湅褰撳垵鏄鎬庝箞綰﹀畾鐨勩傚傛灉鍚堝悓鏈夎勫畾錛屼綘鍙浠ユ寜鐓у悎鍚屽姙鐞嗐

杞﹂櫓澶氬寘鎷寮哄埗淇濋櫓鍜屽晢涓氫繚闄╋紝鍟嗕笟淇濋櫓鍖呮嫭鍩烘湰闄╁拰闄勫姞闄┿備繚闄╁熀鏈鍖呮嫭奼借濺鎹熷け闄╁拰絎涓夎呰矗浠婚櫓銆佸叏杞︾洍鎶㈤櫓(鐩楁姠闄)銆佽濺涓婁漢鍛樿矗浠婚櫓(椹鵑┒鍛樿矗浠婚櫓鍜屼箻瀹㈣矗浠婚櫓)銆

闄勫姞闄╁寘鎷鐜葷拑鐮寸庨櫓銆佸垝鐥曢櫓銆佽嚜鐕冩崯澶遍櫓銆佹秹姘磋岄┒闄┿佹棤榪囧け璐ｄ換闄┿佽濺杞借揣鐗╁潬钀借矗浠婚櫓銆佽濺杈嗗仠椹舵崯澶遍櫓銆佹柊璁懼囨崯澶遍櫓銆佷笉璁″厤璧旂壒鍒闄╃瓑銆

鐧句竾璐杞﹁ˉ璐

② 璐鋒句拱杞︿繚闄╁繀欏誨湪4s搴椾拱鍚

璐鋒句拱杞︿竴瀹氳佸湪4s搴椾拱淇濋櫓鍚

浠庢秷璐硅呮潈鐩婄殑瑙掑害鏉ヨ達紝娑堣垂鑰呮湁鏉冮夋嫨淇濋櫓鍏鍙革紝涓嶄竴瀹氳佸湪搴楅噷鍙備繚銆

浣嗘槸錛屽傛灉鍦ㄨ喘杞﹀悎鍚屼腑濡傛灉鏈夊啓鏄庝竴瀹氳佸湪4S搴楄繘琛屽弬淇濈殑璇濓紝灝卞繀欏誨湪4搴楅噷闈涔般傚傛灉娌℃湁錛屽氨鍙浠ヤ笉鍙﹀栭夋嫨鑷宸卞績姘寸殑淇濋櫓鍏鍙搞

涓嶈繃錛屽氨鐩鍓嶇殑琛屼笟娼滆勫垯鏉ョ湅錛岃稿4S搴椾負璐鋒句漢鎺ㄨ崘鐨勬媴淇濆叕鍙革紝閮戒細緇欒捶嬈句漢鎸囧畾淇濋櫓鍏鍙搞傚傛灉浣犳壘鐨勬媴淇濆叕鍙告湁涓轟綘鎸囧畾淇濋櫓鍏鍙革紝浣犱笉杞鎶曞叾瀹冪殑淇濋櫓鍏鍙哥殑璇濓紝榪樻槸灞炰簬榪濈害鐨勩備竴鏃﹁繚綰﹀氨鏈夊彲鑳芥嬁涓嶅洖璐鋒句漢浜ょ撼鐨勪繚璇侀噾浜嗐

鎵╁睍璧勬枡

鏉ㄥ厛鐢熻達紝2015騫12鏈堜粬鍦ㄤ綅浜庡弻嫻佺殑涓瀹跺ゥ榪4S搴楅夎喘浜嗕竴鍙癝UV錛屽姙鐞嗕粯嬈炬墜緇鏃墮攢鍞浜哄憳鍛婅瘔浠栵紝濡傛灉璐鋒捐喘杞︾殑璇濓紝榪樺彲浠ュ啀浼樻儬鍑犱釜鐐廣

鎯沖埌鑳藉氳妭綰︿竴浜涳紝鍚屾椂涔熷彲浠ュ懆杞璧勯噾錛屾潹鍏堢敓浜庢槸鍐沖畾璐鋒句拱杞︺傚姙瀹岃喘杞︽墜緇鍚庯紝4S搴楃殑宸ヤ綔浜哄憳鍛婅瘔浠栵紝鍥犱負鏄璐鋒句拱鐨勮濺錛屽洜姝ゆ潹鍏堢敓鐨勬柊杞﹀繀欏誨湪搴楅噷榪炵畫璐涔3騫寸殑鍟嗕笟杞﹂櫓鍏ㄩ櫓銆

鏉ㄥ厛鐢熼忛湶錛岀涓騫翠粬鍦4S搴椾拱鐨勪繚闄╋紝鑺變簡1涓囧氾紝鍘誨勾12鏈堜粬鐨勮濺杈嗗晢涓氫繚闄╁埌鏈熴傝冭檻鍒4S搴楀繀欏諱拱鍏ㄩ櫓錛岃垂鐢ㄦ瘮杈冮珮錛屾潹鍏堢敓鎵撶畻鑷琛屽埌澶栭潰璐涔拌濺闄┿傜劧鑰4S搴楃殑淇濋櫓緇淇濅漢鍛樺嵈鍛婅瘔浠栵紝濡傛灉鍦ㄥ栭潰涔頒繚闄╋紝涔嬪墠浜ょ殑淇濊瘉閲戝氨涓嶈兘閫榪樼粰浠栦簡銆

鏉ㄥ厛鐢熻達紝杞﹁締鐨勮捶嬈炬椂闂翠負3騫達紝璐杞﹀悗4S搴楄佹眰璐鋒炬湡闂磋濺涓誨繀欏誨湪4S搴楄喘涔拌濺闄╋紝騫剁即綰5000鍏冪殑璐鋒句繚璇侀噾錛屸滀粬浠璇磋繖涓璐鋒炬娂閲戝湪璐鋒捐繕娓呬箣鍚庡氨浼氶鍥炴潵鈥濄備絾濡傛灉鏉ㄥ厛鐢熸病鏈変拱婊3騫村叏闄╃殑璇濓紝榪5000鍏冭捶嬈句繚璇侀噾灝變笉閫浜嗐

闅忓悗錛岃拌呰嚧鐢墊潹鍏堢敓璐涔拌濺闄╃殑4S搴楋紝鍜ㄨ㈣捶嬈捐喘杞︽槸鍚﹂渶瑕佸湪璇ュ簵璐涔拌濺闄┿傞攢鍞浜哄憳琛ㄧず錛屽傛灉鍔炶捶嬈劇殑璇濓紝璐鋒炬湡闂撮』鍦ㄥ簵閲岃喘涔板晢涓氳濺闄╋紝鍏朵腑杞︽崯闄┿佷笁鑰呴櫓鍜岀洍鎶㈤櫓鏄蹇呴』璐涔扮殑銆傛ゅ栵紝鍔炵悊璐鋒炬椂榪橀』棰濆栫即綰崇畫淇濇娂閲戱紝璐鋒懼埌鏈熶笖鎸夎勫畾涔版弧淇濋櫓鍚庢娂閲戝叏棰濋榪樸

瀵逛簬璐鋒句拱杞﹁4S搴楀己鍒剁粦瀹氳濺闄╃殑鐜拌薄錛屽洓宸濈渷淇濋櫓琛屼笟鍗忎細鐨勬硶寰嬩漢澹琛ㄧず錛屼拱杞﹂櫓搴旈伒寰鑷鎰垮師鍒欙紝鍚戝摢瀹朵繚闄╁叕鍙告姇淇濄侀氳繃鍝縐嶆笭閬撴姇淇濄佽喘涔板摢浜涘晢涓氶櫓縐嶏紝榪欎簺閮芥槸娑堣垂鑰呯殑鏉冨埄銆

緇忛攢鍟嗗熶唬鍔炶捶嬈劇殑鍚嶄箟鏀跺彇鈥滅畫淇濇姷鎶奸噾鈥濓紝寮哄埗娑堣垂鑰呭湪璐鋒炬湡闂村埌4S搴楃畫淇濓紝宸茬粡渚電姱浜嗘秷璐硅呯殑鑷涓婚夋嫨鏉冿紝娑堣垂鑰呭彲浠ユ姇璇夊埌宸ュ晢閮ㄩ棬錛屼篃鍙浠ュ悜浜烘皯娉曢櫌鎻愯搗璇夎箋

姝ゅ栵紝璇ュ緥甯堣繕琛ㄧず錛屾秷璐硅呭湪鍔炵悊璐杞﹁捶嬈炬椂錛屽簲褰撴敞鎰忕湅娓呭悎鍚屾潯嬈撅紝鐪嬫竻鎶奸噾璧庡洖鐨勫叿浣撹佹眰銆佹椂闄愭槸鍚﹀悎鐞嗭紝騫朵笖淇濆瓨濂藉悎鍚屻佹敹鎹絳夋湁鏁堝嚟璇併

涓婂懆錛岃拌呬互娑堣垂鑰呰韓浠借蛋璁誇簡澶氬4S搴楀悗鍙戠幇錛岃捶嬈捐喘杞﹁鎹嗙粦璐涔拌濺闄╁苟浜ょ畫淇濇炬娂閲戠殑鍋氭硶錛岀洰鍓嶄技涔庡凡緇忔垚涓轟簡涓氬唴鐨勨滄綔瑙勫垯鈥濓紝鍑犱箮瀹跺4S搴楅兘鍦ㄥ傛ゆ搷浣溿

鍦ㄤ綅浜庢満鍦鴻礬鐨勪竴瀹跺疂椹4S搴楅噷錛岃拌呭挩璇㈣捶嬈句拱杞︽椂閿鍞浜哄憳琛ㄧず錛岃捶嬈句拱杞︾殑璇濊佸湪搴楅噷璐涔板晢涓氳濺闄╋紝鈥滀笉涓瀹氶潪瑕佸叏闄╋紝闄╃嶄綘鍙浠ヨ嚜宸遍夛紝浣嗚捶嬈炬湡闂磋佸湪鎴戜滑榪欏効涔扳濓紝鍚屾椂浠栦篃鎻愬埌浜嗙即綰寵捶嬈炬娂閲戠殑浜嬨

鑰屽湪浣嶄簬鍙屾祦濂ョ壒鑾辨柉闄勮繎鐨勫彟涓瀹跺疂椹4S搴楅噷錛岄攢鍞浜哄憳榪樺緢縐鏋佸湴浠嬬粛浜嗗彟涓縐嶆柟寮忥紝鈥滃湪鎴戜滑榪欏効棰勫瓨3涓囧潡閽憋紝璐鋒炬湡闂村湪搴楅噷涔頒繚闄╋紝絎涓騫寸殑鍏ㄩ櫓鍏嶈垂閫佺粰浣犫濓紝騫惰〃紺哄傛灉榪樻竻璐鋒懼悗閽辮繕鏈夊墿浣欙紝4S搴楀彲浠ラ榪樹綑嬈俱

鍦ㄦ満鍦鴻礬鐨勪竴瀹跺埆鍏4S搴楅噷錛岄攢鍞浜哄憳鍦ㄧ粰璁拌呭垪鏄庤喘杞﹁垂鐢ㄦ椂錛屾竻鏅板湴鍐欏嚭鍒嗘湡璐涔版煇嬈捐濺鐨勪繚闄╁拰緇淇濇娂閲戝垎鍒鏄澶氬皯閽憋紝閿鍞浜哄憳琛ㄧず鈥滆繖浜涢兘鏄璐鋒句拱杞﹀繀欏昏佺即綰崇殑銆傗

4S搴楅噰鍙栨苯杞﹂攢鍞鍥涗綅涓浣撶殑緇忚惀妯″紡錛屼絾瀹冪殑鑱岃兘騫朵笉鍖呮嫭閿鍞淇濋櫓銆傞偅涔堣佹眰璐杞﹁呭湪4S搴楄喘涔頒繚闄╋紝鏄涓轟簡浠涔堬紵

淇濋櫓涓氬唴浜哄＋閫忛湶錛屽悇瀹4S搴楅兘鏄淇濋櫓鍏鍙稿晢涓氳濺闄╀笟鍔＄殑鍏間笟浠ｇ悊鍟嗭紝4S搴楁崋緇戦攢鍞杞﹂櫓鍙浠ュ炲姞鏀跺叆錛屽洜涓轟粬浠浼氫粠淇濋櫓鍏鍙擱偅杈規嬁鍒板緢楂樼殑鈥滆繑鐐光濄

鎹浜嗚В錛屾墍璋撶殑鈥滆繑鐐光濇寚鐨勬槸淇濋櫓鍏鍙哥粰浠ｇ悊鍟嗙殑浣ｉ噾錛岃繃鍘諱繚闄╄屼笟鍐呯殑鏅閬嶅仛娉曟槸鎵ц岀洃綆￠儴闂ㄤ箣鍓嶇殑涓涓鎸囧兼瘮渚嬶細15%銆備絾鐩鍓嶅悇瀹跺叕鍙告棭灝辯獊鐮翠簡15%鐨勨滄寚瀵間環鈥濓紝閫氳繃涓嶆柇鍔犵爜浣ｉ噾錛屼簤鍙栨洿澶氱殑4S搴楁潵閿鍞鑷宸辯殑杞﹂櫓浜у搧銆

鏌愯儲浜т繚闄╁叕鍙哥殑涓浣嶄腑浠嬫笭閬撹礋璐ｄ漢鍚戞垚閮藉晢鎶ヨ拌呴忛湶錛岀洰鍓嶅洓宸濆湴鍖哄悇瀹朵繚闄╁叕鍙稿湪杞﹂櫓涓氬姟涓婄粰鍒4S搴楃瓑鐨勪劍閲戞瘮渚嬫櫘閬嶈秴榪囦簡45%錛屸滃儚涓浜涘ぇ淇濋櫓鍏鍙稿彲鑳界粰鍒40%銆45%錛岃屼竴浜涘皬淇濋櫓鍏鍙告兂瑕佷簤澶哄競鍦猴紝灝卞繀欏葷粰鍒50%鐢氳嚦60%鎵嶆湁鍙鑳借4S搴椻樹笂鏋垛欍傗4S搴楃瓑浠ｇ悊涓浠嬩粠涓鑾峰緱浜嗕赴鍘氱殑鍒╂鼎錛屸滄瘡鍋氭垚涓鍗曪紝浠栦滑鐨勬瘺鍒╁彲浠ヨ揪鍒50%宸﹀彸錛岃繖姣斾粬浠鍗栬濺鏇磋禋閽便傗

鍙傝冭祫鏂:浜烘皯緗▬鎴愰兘甯傛皯璐鋒句拱杞﹂伃閬団滃己鍒舵秷璐光 蹇呴』榪炰拱3騫村叏闄