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How to Apply for a Car Loan from a Bank?

1 Answers
DelJayla
07/30/25 1:14am
When applying for a car loan from a bank, the customer's information needs to be recorded. At this time, bank statements and some documents for a certain period must be provided. These materials will then be submitted to the bank department for review. Once approved, the loan will be disbursed. After successful disbursement, monthly payments must be made on time. Cars purchased with loans are equipped with GPS tracking systems, allowing the bank to track the vehicle's real-time location. A car loan refers to the loan issued by the lender to the borrower for purchasing a car. The actual interest rate of the car loan is determined by the bank based on the customer's actual situation, with reference to the loan benchmark interest rate set by the central bank. The main types of car loans include direct lending, indirect lending, and credit card car loans, with terms mostly ranging from 1 to 3 years and not exceeding 5 years.
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What are the reasons for the Mazda3 Axela not responding when starting?

The reasons for the Mazda3 Axela not responding when starting are: 1. The battery is dead; 2. The starter is broken; 3. The ignition switch under the key door is faulty. The correct method to start the Mazda3 Axela is: 1. Without pressing the brake, press the one-button start twice or use the mechanical key to power on, and the dashboard will light up; 2. Wait for the electrical self-check to complete, then press the brake to start the car and you can begin driving. When shifting gears, you can directly shift from P to D. The Mazda3 Axela is a car produced by Changan Mazda Automobile, with body dimensions of 4582mm in length, 1795mm in width, and 1458mm in height. In terms of power, the Mazda3 Axela is equipped with two naturally aspirated engines featuring Skyactiv technology, with displacements of 1.5L and 2.0L.
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What is the difference between PHEV and MHEV?

PHEV and MHEV differ in their positioning: PHEV is a plug-in hybrid electric vehicle; MHEV is a mild hybrid electric vehicle. The PHEV is a compact urban SUV with body dimensions of 4510mm in length, 1852mm in width, and 1708mm in height, and a wheelbase of 2650mm. In terms of power, the MHEV is equipped with a 1.5L naturally aspirated engine and a 130kW electric motor. The engine has a maximum power output of 71kW and a maximum torque of 120Nm, with the maximum power achieved at 5500 rpm.
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What is the tire pressure for the Audi Q5?

Audi Q5 tire pressure is 2.4 to 2.5 bar. The standard tire pressure can usually be found in the vehicle's user manual, on the label next to the driver's door, in the drawer beside the driver's seat, or on the fuel tank cap door. Tire pressure refers to the air pressure inside the tire, which plays a crucial role in the car's performance and power. The Audi Q5 is a luxury car brand under Audi AG, a subsidiary of the Volkswagen Group in Germany. Its body dimensions are 4629mm in length, 1898mm in width, and 1655mm in height. In terms of power, the Audi Q5 is equipped with a 2.0T low-power engine and a 2.0T high-power engine.
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Where is the Lu V license plate from?

Lu V is the license plate of Weifang, Shandong Province. Lu is the abbreviation for Shandong Province. The license plate numbers of Shandong Province are as follows: Lu A is Jinan, Lu B is Qingdao, Lu C is Zibo, Lu D is Zaozhuang, Lu E is Dongying, Lu F is Yantai, Lu G is Weifang, Lu H is Jining, Lu J is Tai'an, Lu K is Weihai, Lu L is Rizhao, Lu M is Binzhou, Lu N is Dezhou, Lu P is Liaocheng, Lu Q is Linyi, Lu R is Heze, Lu S is Laiwu, Lu U is the supplementary addition for Qingdao. The character count for the motor vehicle registration authority code is 2 digits, consisting of Chinese characters and English letters. The Chinese character is the abbreviation of the province, autonomous region, or municipality directly under the central government, and the English letter is the code of the vehicle management office.
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Can the ECO mode be kept on all the time?

The car can keep the ECO mode on all the time. ECO mode is also called the economy mode. When the vehicle frequently drives in congested urban road conditions, turning on the ECO mode has a good fuel-saving effect. Under the operation of the ECO mode, the carbon deposits in the engine are basically similar to those produced by the engine in the normal working mode, so the ECO mode can be kept on all the time. The main principle of the ECO mode is not complicated. It mainly makes a comprehensive judgment and analysis of the conditions that affect fuel consumption during the vehicle's movement, such as automatic transmission gear, engine speed, vehicle speed, braking, and transmission oil temperature. The ECU control unit calculates the appropriate amount of fuel to be supplied to the engine for work, so that the fuel consumption is effectively reduced compared to the ordinary driving mode. Simply put, it controls the engine speed with reasonable gears to reduce unnecessary fuel consumption. ECO is an abbreviation, and the Chinese translations are Ecology (environmental protection), Conservation (energy saving), and Optimization (power). The ECO mode is also divided into active ECO driving mode and non-active ECO driving mode. When the ECO indicator light on the dashboard is on, it means that the vehicle's economy mode has been activated. The ECO mode is divided into active and non-active types. The difference is that the active type has its own button, and the owner can choose whether to turn it on. When the owner presses the ECO mode switch, the dashboard indicator light will light up, and the vehicle will automatically start to adjust settings, such as throttle opening, transmission shift logic, air conditioning output power, etc. The non-active ECO mode does not have a dedicated button. When the ECO indicator light on the dashboard is on, it is just a reminder function. The ECO will automatically evaluate your driving behavior. If your current driving operation achieves the best fuel supply, the dashboard will simultaneously display the ECO indicator light. Most cars use the active ECO driving mode, which means they have their own switch buttons. So during daily driving, we can turn on the ECO mode. Except when the speed exceeds 120 km/h, idling, in N/P gear, and manual mode, especially when climbing a slope, there is no need to turn on the ECO mode. This will not reflect the fuel-saving characteristics of the ECO mode and will also affect the power performance. In addition, the ECO mode usually fails under the following circumstances: When the vehicle speed exceeds 120 kilometers per hour, the vehicle will consider the speed, and the ECO mode will automatically fail. When idling or in N/P gear and manual mode, the ECO may also fail. When a large torque output is required, such as climbing a slope, the engine computer will judge to prioritize ensuring sufficient power to drive the vehicle, and the ECO mode will not work either.
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Can the car battery be charged without driving after starting the engine?

Yes, the car battery can be charged without driving after starting the engine, because when the engine is running, it drives the alternator to generate electricity. As long as the electrical connections are normal, the battery can be charged properly. However, using the car to start without driving for battery charging is relatively inefficient, and the charging time is also quite long. If a battery charger is used for charging, the time will be shorter. Most people do not purchase chargers for home use, but can charge the battery at nearby auto repair shops. If the battery is already depleted and the car cannot start, it is recommended to use another car for jump-start charging.
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