Credible, interest-free, but after repayment, 2 1 working days, I will send a cashback message when I get home.
It is a comprehensive consumer loan with individuals or enterprises as the core. The loan amount is generally more than 1 1,000 yuan and less than 200,000 yuan. The treatment process generally needs to be guaranteed. It is an extension of microfinance in technology and practical application. In China: Mainly serving agriculture, rural areas and small and medium-sized enterprises. The establishment of the company rationally pooled some private funds, standardized the private lending market, and effectively solved the financing difficulties of agriculture, rural areas and small and medium-sized enterprises. At present, the personal quota provided for office workers generally ranges from 1000-5000 yuan, and most of them do not need a mortgage, but the credit and information review is strict.
1. The borrower shall apply to the branch opened by the bank. When applying, the borrower should bring ID card, proof of address, proof of stable income source and other related materials, and if it is a merchant, it should also bring a business license;
2. After receiving the lender's application, the bank will review the lender;
3 through the bank's audit and approval, signed a loan contract with the bank;
4. The bank lent money, and the lender successfully got the loan.
The above four steps are the general flow of banks. Different banks may have slightly different regulations and submit different materials. In order to avoid loan risks, some banks will require lenders to meet certain conditions, such as age, income level and repayment ability.
Is it reliable to buy a car by stages in car home? How is personal data given to financial companies?
The car that car home bought by stages is more reliable. Customer service will give personal information to financial companies.
Specific content:
Just submit a car application on the front page of the car and fill in your personal information, and a special telephone customer service will call you.
Send some information to customer service, and they will take it for review. If approved, they will directly make an appointment to sign the down payment. When finished, they will pay to the 4S store, and then they can go through the formalities and drive away.
The whole process from getting off to getting on the bus is quite fast and efficient. Generally speaking, this financial service in car home gives me a good feeling.
Is it reliable to buy a car like a loan in car home? Could it be a pit?
It is also possible to get a loan to buy a car in car home. It is very reliable. Any business needs to make a profit, and loans also have interest. As long as you can feel it.
Is the car home loan true?
The "car home" loan is real, because this institution is an open and formal institution, and its owner is a joint venture subsidiary of car home and Shanghai Cangu, and its registered place is in Shanghai. You can check their business license information on the website of Shanghai Administration for Industry and Commerce.
However, when we choose such a lending institution, we should still be vigilant and take precautions.
Pay attention to the following points when choosing auto loan companies and auto financing companies:
(1) Some fraudulent companies pull business in the name of big companies, but they don't have office addresses or even provide business licenses.
(2) The lower the threshold, the faster the loan and the more reasonable the interest, the more attention should be paid to prevention.
(3) Require the borrower to pay the deposit, handling fee, first month interest, etc. in advance. You should be careful not to run away when they cheat money. If you encounter a liar, you should call the police at the first time.
Matters needing attention in automobile loan:
Loan target: a natural person with full civil capacity, aged between 18 and 60;
Loan amount: if the purchased vehicle is for personal use, the loan amount shall not exceed 80% of the price of the purchased vehicle; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the price of the purchased vehicle, of which the loan amount of the commercial vehicle shall not exceed 60% of the price of the purchased vehicle;
Loan term: the purchased vehicle is for personal use, and the longest loan term shall not exceed 5 years; The purchased vehicle is a commercial vehicle with a loan term of no more than 3 years;
Loan interest rate: subject to the loan interest rate regulations of China Construction Bank;
Repayment method: If the loan term is less than one year, you can use any repayment method such as monthly interest, matching principal and interest, average capital repayment, and one-time repayment of principal and interest. If the loan term is more than one year, the method of equal principal and interest and average principal repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract.
What about car owners' loans in car home?
Reliable. Car owner loan is also the mainstream business in banks, and this institution is an open and formal institution.
1. car home is an automobile website, and owner loan is a credit loan product, not a mortgage loan product. In car home, the loan amount of car owners is mainly between 200,000 and 300,000, and the minimum daily interest rate is 0.03%.
2. car home dealer platform has more than10,000 registered 4S stores, and is committed to providing consumers with the most timely, comprehensive and accurate price information. Through the continuous improvement of ease of use, online merchants and online transactions have gradually increased, striving to become the largest online 4S store in China. Therefore, car owners' loans in car home are very reliable.