1. Which bank to choose for car loans

1. ICBC car loan

ICBC has two loan models: direct loan model and indirect loan model. The difference is that in the direct loan model, the borrower applies directly to the bank and the borrower applies for a loan through the car dealer. It is recommended to go directly to the bank for consultation.

2. Bank of China

As a domestic website, it can also provide car loan services. Generally, the loan limit given to customers is 60% of the total car price. With guarantee, the customer loan limit is 70 years of the total car price. If you have a lot of savings, buy investment and financial management services from Bank of China, or have a mortgage, you are more likely to become a high-quality customer.

3. Agricultural Bank of China

Agricultural Bank of China car loan can provide loans to Chinese citizens and foreigners who have lived in China continuously for more than one year. The loan amount is 80% of the purchase price, and the loan term is up to 5 years. If it is a commercial vehicle, the loan amount is 60% of the vehicle purchase price, and the maximum term is 3 years.

4. China Construction Bank

China Construction Bank’s car loans also divide car loans into personal-use cars and commercial loans. The loan limit does not exceed 80% of the price of the purchased car, and the maximum period cannot exceed 5 years. The commercial vehicle loan amount shall not exceed 70% of the purchased vehicle price and shall not exceed 3 years.

2. Which car loan is better

Which platform is better for car mortgage:

1. Safe car owner loan

The car owner of the loan is Ping An Auto mortgages under banks do not have strict qualification requirements for users. When applying for a loan, users do not need a car or a card. They only need to provide a car insurance policy to apply directly. Users can apply for a loan of up to 80% of the vehicle's value.

According to the official staff of Homeowner Loan, as long as there are no problems with the information provided by the user and the user meets the loan application conditions of Homeowner Loan, the loan can be received as soon as the same day.

2.JD.COM car loan

JD.COM car loan is a loan product of JD Finance. Users can apply directly at JD Finance. Users who want to apply for a JD.COM car loan must be between 18 and 60 years old, cannot be college students, and must not have serious credit stains on their personal credit reports.

Of course, the age of the vehicle pledged by the user must be between 1 and 12 months, and the mileage must not exceed 100,000 kilometers. The maximum amount that users can apply for is 90% of the value of the mortgaged vehicle. If the information provided by the user is correct, the loan can be received as quickly as possible.

If necessary, it is recommended that you use 360 ??IOU, which is based on 360’s big data and then comprehensively evaluates the user’s credit. Finally, on this basis, you can provide users with instant consumer loans. The loan limit is up to 200,000 (click on the official free limit), and the daily interest rate is as low as 0.03%. It has the characteristics of simple application, low interest rate, fast loan, flexible repayment, transparent interest and fees, and strong security. Warm reminder: The above information is for reference only and does not constitute lending advice. During the online loan process, you must pay attention to risk prevention. In order to ensure the safety of funds and prevent fraudulent lending, it is recommended that you choose a regular bank or regular lending platform based on your own judgment after a comprehensive understanding, and borrow money reasonably based on your actual situation.

3. Which car loan is better

Of course, Yixin Car Loan is better, Yixin Car Loan’s one-certificate loan is also more popular, and Yixin Car Loan is Yixin Car Loan. It is jointly invested by Che.com, Tencent and JD.com and has been engaged in auto finance for several years. It is said that it has thousands of employees.