1. ICBC auto loan

China Industrial and Commercial Bank has two loan models: direct loan model and indirect loan model. The difference is that the direct loan mode is that the borrower directly applies for a car loan from the bank, while the indirect loan mode is that the borrower applies for a loan through a car dealer. It is recommended to go directly to the bank to consult related matters.

2. Bank of China

As a bank with many domestic outlets, China can also provide auto loan services. Generally, the loan amount to customers is 60% of the total car price, which can reach 70% with guarantee and the term is three years. The loan amount for high-quality customers is 70% of the total car price, and the loan period can reach 5 years. If you save a lot, buy the investment and financial services of China Bank, or have a mortgage, you are more likely to become a quality customer.

3. Agricultural Bank of China

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

4. China Construction Bank

The car loan of China Construction Bank also divides the car loan into self-use car and commercial car. The loan amount for self-use car shall not exceed 80% of the price of the car purchased, and the longest period shall not exceed 5 years. Commercial vehicle loan amount shall not exceed 70% of the purchase price, and the longest period shall not exceed 3 years.

Which bank has a good car loan? These four families are all very good!

Nowadays, many people have the conditions to buy a car, but the pressure of one-time payment is relatively high, so they can choose to repay by installments. Now many banks have car loan services. Which bank is better? Which bank is more cost-effective? Take a brief inventory of a few familiar ones.

1, Ping An Bank

A bank has car loan service, and the amount of a single loan is as high as 500,000 yuan. The down payment requirement is low, and you can apply for a loan as long as you can pay 20%. After completing the mortgage loan, you can realize rapid lending within one day.

2. China Merchants Bank

China Merchants Bank can provide the lender with a loan of up to 2 million yuan, but the repayment period shall not exceed five years. After calculation, the monthly repayment amount is relatively high. The down payment ratio is at least 20%, and the loan can be completed within one day at the earliest. If the personal salary conditions are better, the approval amount will be higher.

3. Bank of China

As one of the four state-owned banks, China Bank has a loan term of no more than three years, five years for quality customers, a down payment ratio of more than 40% for general customers and a minimum down payment of 30% for quality customers. Ordinary customers are not lower than the benchmark interest rate, and the interest rate of high-quality customers is not lower than 10%, which is higher than other banks. Only high-quality customers can enjoy some rights and interests.

4. China Construction Bank

The purchased vehicle is a self-use vehicle, and the longest loan period is no more than 5 years; The purchased vehicle is a commercial vehicle with a loan term of no more than 3 years; Minimum down payment of 20%; As for the loan interest rate, it shall be implemented in accordance with the loan rules stipulated by CCB.

In short, bank loans are very cost-effective, and other banks have similar car loans. You can choose freely according to your own conditions and requirements. It is more cost-effective to give priority to state-owned banks.

Which platform is better in automobile mortgage?

Which platform is good for car mortgage?

1, Ping An owner loan

Car owner loan is a car mortgage owned by Ping An Bank, and the qualification requirements for users are not strict. When applying for a loan, users do not need to pledge their cars or certificates, but only need to provide auto insurance policies to apply directly. Users can apply for a maximum loan amount of about 80% of the vehicle value.

According to the official staff of the owner's loan, as long as there is no problem with the information provided by the user and the user meets the loan application conditions of the owner's loan, he can receive the loan as soon as possible.

2. JD.COM auto loan.

JD.COM car loan is a loan product of Jingdong Finance, and users can apply directly in Jingdong Finance. Users who want to apply for car loan in JD.COM need to be between 18-60 years old, not college students, and have no serious credit stain on their personal credit information.

Of course, the age of the vehicle mortgaged by the user must be between 1 and 12 months, and the mileage cannot exceed 65,438+10,000 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 will be received as soon as the same day.

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Let's stop here for a good introduction to car loans.