1. The applicant, cardholder and car buyer must be the same person;
2. The applicant must have a good credit record and a stable source of income;
3. Before the previous car installment business is settled, the second car installment business cannot be handled;
4. The car installment quota can only be used when the dealer who submits the installment application swipes the card to purchase the car by installment;
5. Vehicles purchased for car installment business must be insured with vehicle insurance, which at least includes compulsory insurance, vehicle loss insurance, burglary insurance and third party liability insurance.
The car transportation process is as follows:
1. The cardholder chooses the model he likes;
2. Inquire about the installment quota and installment handling method through our account manager;
3. The cardholder shall go to the dealer for business with his valid ID card and credit card;
4. The dealer submits relevant materials to our bank, and the cardholder swipes the card at the dealer to pay the installment car purchase fee;
5. Successfully pick up the car.
Please consult the local Agricultural Bank outlets for detailed procedures.
Answers to Frequently Asked Questions about Automobile Staging
Q: What is the special quota for car staging?
Answer: The special credit line for automobile installment is an additional credit line specially given to satisfy your car purchase according to the identity certificate, asset certificate, work certificate and other materials provided by you. This credit line does not occupy your credit line.
Q: What is the special quota for car staging?
A: The specific amount of car installment payment is determined by your credit status and your own card use. The amount of each customer may be different.
Q: Can I apply for car installment business as long as I submit an application for installment business?
A: It mainly depends on your personal credit information. After receiving the materials submitted by you, our bank will check your personal credit and financial situation according to your materials, and whether it meets the processing conditions in the end will be subject to the final review of the Agricultural Bank of China credit card.
Q: Do I need to pay a down payment for car installment?
A: Yes. Generally, 20%-30% down payment is required according to the down payment requirements of your selected model, and quality customers can avoid down payment.
Q: Is there a handling fee for car installment payment?
A: Except for some promotional activities, the installment fee is charged. Because the bank needs capital cost and operating cost to provide you with installment business, it will generate certain expenses.
Q: How to calculate the car installment fee? How to charge?
Answer: installment fee = installment amount × installment fee rate. There are two procedures for handling fees: installment and down payment. Installment is the number of installments, and the first installment is all collected at the first repayment.
/Credit card/installment/installment/
China Construction Bank?
Business introduction and process business introduction
Car purchase by installment with dragon card: when the cardholder agrees to pay the down payment (the down payment is the net car price minus the approved amount), he applies to our bank to use his dragon card (excluding business card, student card, supplementary card and security card) to buy a family car at the dealer designated by our bank. After the approval of our bank, the actual installment amount will be divided into several installments, and the cardholder will repay the loan monthly within the agreed time limit and pay a certain handling fee.
Business highlights
beneficial tariff
The discount offered by the cooperative car factory is much lower than the car loan interest rate in the same period.
The maximum number of car purchases can reach 500,000.
Flexible repayment period of up to 36 months, enjoy car life in advance.
Easy financial management, ease the financial pressure, and increase the purchase budget.
Treatment process
For example, Mr. Zhang is going to buy a family car. After learning that Longka Credit Card can handle car installment payment with zero interest and low handling fee, he decided to use Longka to help him realize his dream of buying a car as soon as possible ... Terms and conditions?
(1) China Construction Bank provides 12 (one year), 18 (one and a half years), 24 (two years) and 36 (three years) car purchase installment services.
(2) The installment amount of car purchase is generally 200,000-500,000 yuan (the installment amount range varies according to different models). For details, please click on the "Co-brand" column or consult 400-820-0008). China Construction Bank will decide whether and how much to approve according to the credit behavior of the cardholder and the repayment of consumption.
(3) The down payment ratio shall be at least 30% of the online car price (the down payment ratio will be different according to different models. For details, please click on the "cooperative brand" column or consult 400-820-0008), and the down payment shall be made by cash or debit card. ?
(4) Cardholder's handling fee = installment amount × cardholder's handling fee rate (handling fee is included in the bill of the first month after installment consumption).
(5) The cardholder shall be insured against motor vehicle loss when buying a car by stages, and the insurance period is the same as that by stages.
(6) If the installment amount cannot be divisible by the number of repayment periods, the system will automatically round off the repayment amount of each period. ?
(7) Customers applying for car purchase by installment must be under 60 years old.
(8) CCB reserves the right of final interpretation within the scope permitted by law.
Which cities can handle the automobile installment business of China Merchants Bank?
A: At present, you can visit Beijing, Shanghai, Guangzhou, Shenzhen, Zhuhai, Chengdu, Hangzhou, Nanjing, Ningbo, Shenyang, Zhengzhou, Chongqing, Changsha, Kunming, Fuzhou, Quanzhou, Dongguan, Foshan, Xiamen, Jinan, Yantai, Lanzhou, Dalian, Qingdao, Harbin, Taiyuan, Suzhou, Nanchang, Tianjin and Xi 'an. ?
Does China Merchants Bank need to pay a down payment for the car installment business?
Answer: To handle China Merchants Bank's car installment business, you need to use a payment method other than your China Merchants Bank credit card, and pay at least 30% of the car price according to the different cooperation modes. ?
Can China Merchants Bank's application for preliminary examination of automobiles be submitted several times in stages?
A: I'm sorry, if you submit the preliminary application for many times within 2 months, including through storefronts, 400 customer service, websites and other channels, we will only make relevant inquiries and audits according to the information you filled in for the first time. ?
After submitting the preliminary application, will I be able to handle the car installment business of China Merchants Bank?
A: Whether China Merchants Bank can handle the car installment business depends on the individual's comprehensive situation. After receiving your preliminary application, we will check your personal credit status according to the information you submitted. On the premise that the submitted information is true and accurate, we will preliminarily determine whether you are qualified to handle the automobile installment business of China Merchants Bank. The qualification and installment quota of China Merchants Bank's automobile installment business shall be subject to the final review by China Merchants Bank Credit Card Center. ?
What channels will the bank use to review my credit history?
A: We will check your personal credit status in the basic database of personal credit information of China People's Bank through the information you submitted. At the same time, you can also go to the local people's bank to check your personal credit status in the system. Please consult the local people's bank for specific methods. ?
If I have multiple properties, which property should I fill in the current market value when applying for preliminary examination?
A: If there are multiple properties, please select three commercial houses with the highest market value under the names of yourself, your spouse and minor children, and then fill in the sum. At least one set of commercial housing is in the place where you work or buy a car, and the other two sets of commercial housing need to be in China Merchants Bank outlets. Self-built houses and welfare housing distribution are not counted.
Who are self-employed?
A: Self-employed individuals include private entrepreneurs and individual industrial and commercial households (including owners and employees). ?