The car loan of Guangfa Bank is a loan business of Guangfa Bank, which refers to the RMB loan issued by Guangfa Bank to borrowers for buying cars (excluding used cars). Basic provisions of CGB auto loans: the maximum amount of auto loans for personal use by natural persons is 70% of the borrower's car purchase price, and the maximum amount of commercial vehicle loans is 60% of the borrower's car purchase price. The loan period can be as long as five years. Repayment tools can be made by means of wealth management card, discount of demand deposit or cash. The repayment method can be: (1), average capital. (2) Equal principal and interest. (3) Weekly/biweekly/monthly/quarterly/semi-annual supply. (4) Repay the principal and interest in installments. (5) Repay the principal in one lump sum and pay the interest in installments. (6) One-time repayment of principal and interest. Application conditions of CGB auto loan: 1. People's Republic of China (PRC) citizens, or Hong Kong, Macao and Taiwan residents and foreigners who have lived in People's Republic of China (PRC) for more than one year (including one year). 2. Be at least 18 years old but not more than 60 years old, have full capacity for civil conduct, and the total age of the borrower and the loan term are not more than 65 years old. 3. Have a valid identity certificate and a local permanent residence certificate. Valid identification includes ID card, passport and home visit permit, and permanent residence certificate is limited to household registration book. 4. Good credit record, stable occupation, housing and other assets, and the ability to repay the loan principal and interest on schedule. 5. Our bank has a down payment certificate or a deposit not lower than the down payment for car purchase. 6. Being able to provide bank-approved guarantee. 7. To apply for commercial vehicle loans, you must also have the corresponding transportation business qualifications. 8. Other conditions stipulated by Guangfa Bank. Application materials of Guangdong Development Bank for automobile loan: 1. Application for loan to buy a used car (1). (2) The borrower's legal and valid identity certificate and residence certificate. (3) proof of income or other proof of solvency that the borrower can repay the principal and interest on schedule. (4) car purchase agreement or contract. (5) A bank down payment certificate or deposit certificate not less than the down payment for car purchase. (6) If there is mortgage or pledge, it shall provide a list of mortgage or pledge, ownership certificate, evaluation certificate and proof that the owner agrees to mortgage or pledge; In the form of guarantee, the documents and credit information that the guarantor agrees to guarantee shall be provided. (7) Other materials specified by Guangfa Bank. 2. In addition to the required materials, the following materials shall be provided for the loan to purchase the vehicle for personal use: (1) the qualification certificate of the borrower in the relevant passenger and freight transportation business or the qualification certificate of the affiliated company, and the certificate of the borrower's business line. (2) According to the regulations of the relevant units, if the owner of the operating vehicle cannot register with the natural person, the borrower shall provide the relevant dunning contract with the associated operating unit and the certificate of the actual owner of the vehicle issued by the operating unit.
2. Is it cost-effective to buy a car by installments with Guangfa Credit Card?
Guangfa Credit has no loan interest rate for car purchase by installment.
3. How to calculate the loan interest of 654.38 million yuan of Guangfa Bank?
2065438+2005 The latest interest rate table of Guangfa Bank loan: adjust the interest rate according to the different loan years. Take the two-year debt service of 6,543,800 yuan as an example: the total loan amount is 654.38+ 000,000 yuan; Loan term: 24 installments (two years); Average monthly repayment: 4,409.57 yuan; Interest paid: 5829.57 yuan; Total repayment: 654.38+005,829.57 yuan.