What's the interest rate for a car loan? What is the general interest rate of car loan for people in Chengdu
?
The loan interest rate is generally around 4%-1%:
1. Car loans are not fixed. According to the regulations of the central bank, the benchmark interest rate for car loans is implemented, but financial institutions can fluctuate within a certain range above and below the benchmark interest rate;
2. The term of auto loans in major banks is generally less than five years, and the interest rate of auto loans directly determines the cost of people's loans, thus becoming an important factor in determining whether people make loan consumption;
3. Generally, the loan period for automobile consumption is 1-3 years, with a maximum of 5 years. Among them, the loan period of second-hand car loans (including extension) shall not exceed 3 years, and the loan period of dealer car loans shall not exceed 1 year.
which companies are there for car mortgage loans in Chengdu
1. Chengdu Xingbaihui
Chengdu Xingbaihui Loan Company was established in 212, and has been rooted in Chengdu for six years. At present, the company is involved in loan service, credit loan, mortgage loan, mortgage loan, mortgage loan, etc., providing more than 1 kinds of loan products, and has established strategic partnership with 268 lending institutions, providing professional services to more than 12, customers in six years, with a total loan of 22.5 billion yuan, which is a good choice for friends in Chengdu to solve problems.
2: Amway
At present, the market layout of Amway has covered 1 cities including Shanghai, Chengdu, Beijing, Guangzhou, Shenzhen, Xi 'an, Kunming, Chongqing, Wuhan and Shihezi. During the period, the Shanghai Group headquarters was transformed and established in 213, which started the pace of national expansion; In 215, Chengdu, Xi 'an, Chongqing and Xinjiang branches opened one after another; In 216, five stores were opened, and branches were established in Wuhan, Shenzhen, Beijing, Kunming and Guangzhou; In 217, two branches in Minhang and Pudong were opened in Shanghai, and the layout of 13 stores nationwide was initially completed. Anmeitu is committed to becoming a benchmark enterprise in the financial leasing service industry.
III: Jinju Pawnshop
Sichuan Jinju Pawnshop Co., Ltd. was incorporated in Sichuan Administration for Industry and Commerce on December 28th, 25, with a registered capital of 1 million. During the 14 years of the company's development, we have always provided customers with good products and technical support and sound after-sales service. Our company mainly engages in pawn business (pawning of movable property and real estate such as automobiles, real estate and luxury goods). For more information, please refer to 1814228813 (for projects subject to approval according to law, business activities can only be carried out after approval by relevant departments).
the company has a group of financial risk control experts, luxury goods appraisers and a perfect after-sales team, which provides senior strength for the company's operation. After years of deep roots in the industry, we constantly explore the development direction and innovate new models. Up to now, various businesses have been steadily promoted, including pawn businesses such as automobiles, houses, watches and bags, jewelry, gold bricks and stones, digital products, stock rights, bank acceptance bills, etc., giving full play to the role of pawn in helping private capital turnover. Jinju Pawnshop has been deeply trusted by customers and praised by the industry for many years. At present, it has been successfully included in the governing unit of Sichuan Pawnshop Association and the member unit of Chengdu Pawnshop Association. Everyone can give priority when handling it.
4: Juxin Automobile
Juxin Automobile, a local car loan service company in Chengdu, has quite rich experience in financing loan service fields such as second-hand car mortgage loan and mortgage car loan. Because it has been focusing on the local market, Juxin Automobile's car loan procedures are quite convenient. No matter whether it is a car or not, no matter how much the loan amount is, it really achieves the same-day loan. Moreover, the interest rate is reasonable, and there is no credit inquiry or electronic review, which avoids complicated processes and procedures and helps customers save valuable time. It is a professional car loan service company operating by word of mouth.
V: Micro-loan network
Micro-loan network is the first P2P online lending platform of Internet finance in China. Micro-loan network is committed to building a professional, standardized, safe, efficient and honest intermediary platform of automobile mortgage in peer-to-peer lending. Through the intermediary platform of micro-loan network, loan users can quickly raise private funds and realize short-term loans, and investment and wealth management users can bid through the platform to realize short-term effective personal investment and wealth management.
VI: Top
Chengdu Top Investment Group Co., Ltd. was born in 1996 and went through 2 years of development, and was listed in 214. The company is headquartered in Chengdu, Sichuan Province, and has branches in Beijing, Shenzhen, Guangzhou, Chongqing and other cities, with an office area of 15, square meters and over 3, employees. With the mission of "achieving the dream of starting a business and helping the development of the enterprise" and taking the growth stage of the enterprise as the service cycle, Top-notch meets the market demand of different periods, different enterprises and different levels.
VII: Xin car loan
Sichuan Xin car loan, established in December 215, is one of the independent brands of Sichuan Economic Development Technology System Engineering Co., Ltd. Sichuan Xinche Loan is a legal and compliant investment and financing information service platform approved by relevant departments. The company's shareholders and management are industry experts with many years' experience in financial lending business, financial planning, risk control and private lending. During the years' operation, the company has continuously explored and innovated the lending model, providing all customers with the possibility of transparent, open, direct and safe lending transactions to the maximum extent, and is committed to providing comprehensive lending brokerage information services for both borrowers and borrowers with a scientific and rigorous attitude.
VIII: Easy Loan Network
Easy Loan Network is the leading Internet financial platform in China, and also the leading P2P peer-to-peer lending financial information intermediary service platform in China. It is funded by Softbank China Capital and operated by Shanghai Easy Loan Network Financial Information Service Co., Ltd. The platform adheres to the transparent, professional and temperature-sensitive operation principle, and takes the Internet as the main channel to provide information collection, information publication, credit evaluation, information exchange, loan matching and other services for both borrowers and borrowers to realize direct lending.
IX: Ping An Bank
Ping An Bank is a national joint-stock commercial bank headquartered in Shenzhen. Its predecessor, Shenzhen Development Bank, is the first publicly listed national joint-stock bank in China. China Ping An and its holding subsidiaries are the controlling shareholders of the Bank. By the end of 219, there were 34,253 employees, providing various financial services to customers through 91 branches and 1,58 business institutions nationwide.
1: Easy Loan Network
Easy Loan Network is one of the most professional Internet financial platforms in China. Combining the development of inclusive finance and the innovation of Internet technology, it provides professional and fast loan services for individuals and small and micro enterprises to help them solve the financing problem. Up to now, the platform covers 371 cities across the country, with more than two million registered users, and provides tens of billions of yuan in loan services to various customers every year.
The above is the ranking of Chengdu Top Ten automobile mortgage Companies compiled by Jinju Pawnshop (in no particular order). If there are any other questions about automobile mortgage, Welcome to consult us @ Chengdu Jinju Pawnshop
Chengdu's latest house purchase policy
Chengdu Urban and Rural Real Estate Administration, Chengdu Financial Work Office, Sichuan Supervision Bureau of China Banking Regulatory Commission, Notice of the Business Management Department of Chengdu Branch of the People's Bank of China on Further Strengthening the Risk Management of the Real Estate Market and Housing Credit Business
Cheng Fang Fa [217] No.45
Relevant units:
In order to further implement the Notice of the General Office of Chengdu Municipal People's Government on Forwarding Several Measures by the Municipal Housing Management Bureau and Other Departments to Promote the Stable and Healthy Development of the Real Estate Market in our City (Cheng Ban Fa [216] No.37), Documents such as Notice on Printing and Distributing Several Policies and Measures to Further Promote the Healthy Development of the Real Estate Market in Our City (Cheng Ban Fa [216] No.45) and Notice on Improving the Housing Purchase Restriction Policy in Our City (Cheng Ban Fa [217] No.1) require strengthening the management of the real estate market, preventing operational risks, credit risks and compliance risks of the housing credit business, and promoting the stable and healthy development of the real estate market. The relevant matters are hereby notified as follows:
1. Strictly regulate the real estate business behavior
Real estate development enterprises are not allowed to engage in property hoarding behaviors such as buying land but not building it, building it but not selling it, and are not allowed to raise house prices in disguised forms such as false decoration and inflated decoration prices. If the pre-sale conditions of commercial housing are met and the pre-sale permit is not applied within 3 days or the pre-sale declaration price guidance is not accepted, the housing management department may not accept its application for pre-sale permit within 1 year. Real estate development enterprises and intermediaries are not allowed to provide or cooperate with companies and other institutions to provide illegal financial products and services such as down payment loans, fake mortgages, foreclosure loans, final payment loans, etc. They are not allowed to conduct or assist in false housing transactions, provide false certification materials or assist in forging income certificates, misappropriate or assist in misappropriating funds for pre-sale of commercial housing and stock housing transactions, and are not allowed to conduct appraisal against the real value of real estate and assist in overestimating and defrauding loans.
all banking institutions should effectively standardize their cooperation with real estate development enterprises and intermediaries, improve the withdrawal mechanism of cooperation, openly select real estate price assessment, brokerage, consulting and other intermediaries through the credit information platform of Chengdu real estate industry to carry out cooperation, strengthen the restraint and assessment of real estate development enterprises, intermediaries and other partners, and avoid credit and moral hazard. For those who have been verified by the relevant departments to have the above-mentioned violations of laws and regulations, all banking institutions shall immediately terminate their business cooperation with real estate intermediaries, and shall not allocate subsequent credit funds or increase new credit before the real estate development enterprises rectify and correct them. All banking institutions and companies shall not cooperate with real estate intermediaries that have been dealt with by relevant departments and judicial institutions within 2 years.
2. Strictly implement various real estate credit control measures
Chengdu Branch of the People's Bank of China and Sichuan Banking Regulatory Bureau will guide the self-discipline mechanism of market interest rate pricing in Sichuan Province to adjust the differentiated housing credit policy in Chengdu, and all banking institutions should conscientiously implement the differentiated real estate credit control policies, and cooperate with Chengdu's real estate control work to promote the stable and healthy development of Chengdu's real estate market.
The financial supervision department will conduct regular inspections and random checks on the implementation of the real estate credit control policies in the restricted housing area of Chengdu in a timely manner, and will seriously hold the institutions that violate laws and regulations accountable.
III. Strict legality review of housing loans
Before the qualification review of housing loans, all banking institutions should check the online signing status of commercial housing sales contracts and stock housing sales contracts through the online signing system of housing transaction contracts, and identify the authenticity of housing transactions. Those who have not signed online will not be accepted for the time being, and credit risks will be strictly controlled.
iv. Strict implementation of mortgage accreditation standards
In the process of reviewing housing credit business, all banking institutions should inquire about Chengdu real estate file information system, online contract signing system for housing transactions and the basic database of personal credit information of the People's Bank of China in strict accordance with regulations, and keep records of housing records and commercial housing loan records of housing loan applicants for future reference.
V. Strictly examine the source of down payment funds
All banking institutions should strictly implement the requirements for authenticity inspection of down payment funds in accordance with the relevant provisions of the Notice on Further Strengthening the Management of Housing Credit Policy (Cheng Yinfa [216] No.188) issued by Chengdu Branch of China People's Bank and Sichuan Supervision Bureau of China Banking Regulatory Commission, and it is strictly forbidden for buyers to increase the leverage of buying houses and break through the housing credit policy in disguise by paying down payment, personal consumption loan, personal business loan and credit card overdraft.
VI. Strict review of repayment ability
All banking institutions should strictly implement the policy requirements that the monthly income ratio should not exceed 5%, strengthen the review of income proof materials of buyers, and prevent investment speculation credit risks. If the purchaser provides false proof of income or does not meet the requirements of monthly income ratio, he shall not lend. For borrowers who are adults, unemployed and have no fixed income, commercial banks should further tighten the housing loan conditions, which can correspondingly increase the down payment ratio of borrowers.
VII. Strictly guard against speculative real estate speculation
From now on, newly purchased houses (including commercial houses and second-hand houses) in the housing restricted area of our city can only be transferred after obtaining the property right certificate for three years. All banking institutions should strengthen the management of individual housing loan business, urge branch outlets to strictly abide by the self-discipline requirements determined by the differentiated housing credit policy and self-discipline mechanism, and must not provide loan support for speculative real estate speculation, nor issue housing loans to buyers who are not qualified to purchase houses in violation of regulations, nor issue loans in violation of housing loan conditions and loan ratio, nor pay the pre-sale amount of commercial housing in violation of the supervision agreement on pre-sale funds of commercial housing. If branch outlets violate relevant regulations, they must be corrected in time and dealt with severely.
this notice will be implemented as of April 13, 217.
this is for your information.
The latest housing purchase policy issued by Chengdu aims at strictly regulating the real estate business behavior; Strictly guard against speculative real estate speculation and prevent the house price from rising too fast.
which loan companies in Chengdu have a good reputation
Chengdu has not only developed rapidly in the real economy, but also its strength in the financial sector, especially in credit. Among many lending institutions, what are the creditworthy ones of Chengdu Loan Company? Here are a few regular loan companies with large scale and good reputation in Chengdu for your reference.
Chengdu Gaoxin Jinhong Technology Co., Ltd.
Chengdu Gaoxin Jinhong Technology Co., Ltd. was jointly established by Chengdu Industrial Investment Group and Chengdu Gaotou Group on April 3, 21, with a registered capital of 3 million yuan. Since its establishment more than six years ago, the company has provided nearly 9 billion yuan of financial support for small and medium-sized enterprises and supported more than 5 small and medium-sized enterprises. With its strength, in June 216, Jinyu became the first batch of pilot enterprises of small-scale science and technology loans in Sichuan.
Sichuan Hanhua Co., Ltd.
Since its establishment on May 19, 29, Sichuan Hanhua Co., Ltd. has always adhered to the business characteristics of "small amount and dispersion" and provided customers with fast, simple and unsecured credit loans. With its professional credit service, Sichuan Hanhua Small Loan has established a wide and good reputation, and won the titles of "Top 1 Companies in China, Companies with the Most Development Potential in China, and Excellent Companies in the Region".
Chengdu Gaoxin Chuanshang Co., Ltd.
Chengdu Gaoxin Chuanshang Co., Ltd. was established on December 2, 211 with the approval of Chengdu Industrial and Commercial Bureau and Chengdu Financial Office. It is the only strategic partner of Sichuan Mobile in the field of mobile phone staging in Sichuan and one of the small loan companies with the largest number of customers in Sichuan. The average loan amount of small micro-loans is about 3, yuan, which has served nearly 2, customers.
The above are the reputable loan companies in Chengdu. Of course, there are more than four loan companies that are loved by everyone in Chengdu, and they will continue to be updated in the future. You can go to
first to see if there are any satisfactory loan products, or just click Apply!
In p>216, the maximum loan period of Chengdu provident fund loan is 3 years.
The adjustment of housing loan in Chengdu area, with the maximum amount of 7, yuan and the maximum service life extended to 3 years, has reduced the monthly repayment pressure of citizens, and eligible citizens can consult the Housing Authority for details.
The adjustment of the provident fund loan policy involves many aspects, such as loan term, loan amount, multiple of loan funds linked to deposit balance, etc. The first is to extend the "loan term", and increase the maximum term of the current personal loan from 2 years to 3 years, and in principle, it will not exceed its legal retirement age.
the relevant person in charge of the provident fund center is counted.