It's true. It is true that Bank of Ningbo credit cards can be used without interest, but there is a time limit of 25-56 days. According to the time difference of cardholders' consumption, the interest-free period they can enjoy is naturally different. During this period, as long as the cardholder can pay off the total amount payable in the current statement in full, he does not have to pay any interest generated by non-cash transactions.
Bank of Ningbo Credit Card Loan to Buy a Car (Love Home by Stages)
As mentioned earlier, China Merchants Bank's credit card car purchase, Minsheng Bank's car purchase, China Construction Bank's Longka installment payment and China Bank's car loan can all be used to buy a car. Today, I want to introduce a product in Bank of Ningbo that can apply for a loan to buy a car with a credit card-Love Home Installment.
Product introduction of "love home by stages"
Details of handling fees: 6 installments, 12 installment, 18 installment, 24 installment, 30 installment and 36 installment. In addition, consumers can apply for installment loan services ranging from 6 to 36, and the handling fee is also determined according to different installments. In addition, if you repay in advance, you need to pay the relevant liquidated damages to the bank, and the handling fee will not be refunded.
The minimum down payment is 30%. If you want to repay in advance for personal economic reasons, consumers need to submit an application in advance, and the handling fee will not be refunded, and you need to pay a part of the liquidated damages.
Advantages:
There are many models that allow loans.
Disadvantages:
Only in the southern market, the restrictions are extremely harsh, and early repayment of loans requires liquidated damages.
As we know, Bank of Ningbo's "Love Home Staging" business can involve all the models and brands sold, and consumers can apply for loans after choosing a good vehicle in any 4S shop.
In addition, consumers can apply for installment loan services ranging from 6 to 36, and the handling fee also depends on the number of installments. In addition, if you repay in advance, you need to pay the relevant liquidated damages to the bank, and the handling fee will not be refunded.
Conditions for applying for a credit card loan in Bank of Ningbo
What needs to be explained here is that Bank of Ningbo's "Family Staging" is only for cardholders, and only those who hold senior positions in Fortune 500 companies can handle it. In this way, Bank of Ningbo's loan restrictions are extremely harsh.
Car price requirements: 6.5438+0.3 million yuan or more;
Model requirements: car;
Income requirement: if the monthly income after tax is more than 5,000 yuan, the monthly salary should be provided;
Working years: 6 months of continuous work in the current unit and 2 years of work in the same industry (paying local social security);
Property requirements: Shanghai local commercial housing;
High-quality industries: civil servants, administrators, state-owned monopoly enterprises, and formal employees of enterprises with registered capital of more than 30 million;
Industry requirements: formal employees of finance, insurance, securities, lawyers and accounting firms will not accept applications from third-party outsourcers for the time being.
What are the credit loan conditions in Bank of Ningbo?
1. The applicant has China nationality.
2. The applicant is between 18 and 60 years old and has full capacity for civil conduct.
3. The borrower has a stable income and the ability to repay on time.
4. The borrower has a valid identity document and a fixed residence.
5. The borrower's credit status is good.
6. The applicant meets other conditions in Bank of Ningbo.