The discount for buying a car with a loan is financial expenses. Mainly included in the consumer expenditure of the purchaser.
The subsidized loans arranged by the state are subsidized by the central government; Low-interest loans approved by the People's Bank of China are subsidized by the People's Bank of China; Specialized banks are responsible for low-interest loans.
1, the so-called "loan discount" means that consumers can buy a car in an auto company and borrow money in a bank, and the guarantee company will provide guarantees for consumers and bear the full loan interest. In this way, consumers are equivalent to borrowing money to buy a car, which saves about 7% of the total car price compared with normal loans.
2. Discounted amount paid refers to the net amount of the bill minus the discount interest payable, that is, the actual monetary amount obtained by the holder of the bill after discount.
Discount loan application method:
For individuals who meet the requirements of small secured loans, the general process of applying for loans includes four steps: voluntary application, review and recommendation, commitment to guarantee and loan issuance.
1, voluntary application. Eligible applicants submit written applications (some of which can be directly submitted to local human resources and social security departments or guarantee institutions) to the grassroots employment platform where their household registration is located or where they operate, and submit relevant materials, certificates or related certificates.
2. Review and recommend. The human resources and social security departments conduct qualification examination, and those who pass the examination are recommended to guarantee institutions. A guarantee institution refers to a guarantee institution entrusted to operate a guarantee fund in accordance with relevant regulations.
3. Promise. The guarantee institution shall review the applicant's projects in accordance with the relevant provisions, and handle the guarantee procedures for those who meet the conditions.
4. Issue loans. The loan applicant promised by the guarantee institution shall, after being examined and approved by the handling bank in accordance with relevant regulations, sign a contract and issue loans. The handling bank refers to all kinds of financial institutions at all levels that have signed cooperation agreements with guarantee institutions to carry out small-sum secured loan business.
For individuals who meet the requirements of small secured loans, the general process of applying for loans includes four steps: voluntary application, review and recommendation, commitment to guarantee and loan issuance.
1, voluntary application. Eligible applicants submit a written application to the grassroots employment platform where their household registration is located or where they operate (some of them can directly apply to the local human resources and social security departments or guarantee institutions), and submit relevant materials, certificates or relevant certificates.
2. Review and recommend. The human resources and social security departments conduct qualification examination, and those who pass the examination are recommended to guarantee institutions. A guarantee institution refers to a guarantee institution entrusted to operate a guarantee fund in accordance with relevant regulations.
3. Promise. The guarantee institution shall review the applicant's projects in accordance with the relevant provisions, and handle the guarantee procedures for those who meet the conditions.
4. Issue loans. For the loan applicant promised by the guarantee institution, the handling bank shall sign a contract in accordance with the relevant provisions of Biqi and issue the loan after approval. The handling bank refers to all kinds of financial institutions at all levels that have signed cooperation agreements with guarantee institutions to carry out small-sum secured loan business.
Loan discount
Discounted loan is a commercial personal housing loan issued by the provident fund management center in cooperation with relevant commercial banks. Any borrower who meets the discount conditions of the management center will be given a discount by the management center according to the discount amount that the borrower can apply for and the interest difference between the commercial individual housing loan and the housing provident fund loan.
Is there a subsidy for the interest on buying a car with a rural household loan?
First of all, we have to figure out a question: can rural hukou borrow money to buy a car? Loan to buy a car is regardless of household registration-rural household registration, as long as it is purchased in your area, you can apply for a car loan. If you apply for a loan from a different place, you need a guarantor with a local account. So how much is the interest subsidy for buying a car with a farmer's loan?
How much is the interest on buying a car with a rural household loan?
Interest has nothing to do with household registration. As long as it is purchased at the place where it is located, the expected annualized interest rate of different household registration is the same.
The expected annualized interest rate of bank car loans is generally lower than that of auto financing companies, but the expected annualized interest rate of car loans among banks is also different, generally rising 10%-30% on the basis of the benchmark expected annualized interest rate. In addition, the expected annualized interest rates provided by banks for different car buyers are also different. The expected annualized interest rate of car loan is directly related to the borrower's credit rating and repayment ability. For example, ordinary borrowers may get a 20% increase in the expected annualized interest rate of car loans, while VIP customers or VIP customers of banks may enjoy car loans with a benchmark expected annualized interest rate, or even excellent banks and vertical benefits with a decrease in the expected annualized interest rate of car loans.
Secondly, the expected annualized interest rates of loans of various auto financing companies are also different. The expected annualized interest rate of loans of Toyota Finance Corporation is generally around 8%- 12%; The expected annualized interest rate of general finance is relatively high. The expected annualized interest rate for 1-3 years is. The expected annualized interest rate of Ford Finance Company is 1-3 years. The expected annualized interest rate is that in addition to the expected annualized interest rate, auto financing companies generally charge a certain renewal fee, and when applying for a loan to buy a car from an auto financing company, the handling fee will also be included.
Is there a subsidy for buying a car in rural hukou?
From June, 2065438+00, the National Development and Reform Commission, the Ministry of Industry and Information Technology and the Ministry of Finance jointly distributed 3,000 yuan of energy-saving and environmental protection subsidies to gasoline and diesel passenger cars with engine displacement up to or below and comprehensive fuel consumption about 20% lower than the current standard. This policy ended on February 3, 20 15. That is to say, the subsidy for rural household loan to buy a car has been cancelled (20 16), but there are rumors that the policy of cars going to the countryside has been introduced. Please pay attention to the news for details.
What does the monthly car subsidy mean?
Cars enjoy national energy-saving subsidies. Automobile subsidy means that according to the national regulations, vehicles with a displacement of less than 16 and a fuel consumption of less than 52 liters per 100 kilometers are applied by automobile manufacturers to Huaihua for energy-saving sail rental. Cars enjoy national energy-saving subsidies, and hail is rolling. Monthly car purchase means that the borrower who applies for car purchase pays part of the down payment in advance, and the lender issues loans to the car buyer in installments, and the rest.
So much for the introduction of car loan subsidies.