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Can I buy a taxi in Changchun by loan? What should I do?
1. Can I borrow money to buy a taxi in Changchun? What should we do?

Yes, first, choose an operating company, such as Jindazhou, Chang Rong, Huili, Chaoyang Wantong, etc., and then you need mortgage, or you don't need mortgage. Down payment 1.9 million, close to 20,000. Pick up the car and return it for 266-288 yuan a day. After 36 months, the car will be yours, but you still need to pay the operating fee, because you have no formalities. That's all I know. I hope it can really help you.

Second, can I get a loan to buy a taxi?

You can get a loan to buy a taxi. Taxi loan is a loan business provided by banks for taxi drivers. The specific conditions for applying for a taxi loan are generally as follows:

1. The borrower has a valid ID card and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate, and have the ability to stabilize the occupation and repay the loan principal and interest on schedule;

3. There is an unexpired taxi business qualification certificate issued by the local passenger transport management office;

4. Personal social credit is good and there is no bad credit record;

5. Provide the guarantee approved by the bank;

Extended data:

Automobile loan channel

1. auto financing company: the biggest advantage lies in convenience and low threshold. Companies are generally founded by car companies. Its "convenience" is not only reflected in the direct application through 4S stores, but also in the fact that there are no requirements for hard conditions such as hukou and real estate.

2. Buying a car with a credit card: The most obvious advantage lies in the loan interest rate, which is half lower than the traditional bank car loan interest rate. Ordinary credit cards can be applied, and the models are also cross-brand, with a wide range of choices. The premise is that you need a higher credit line to enjoy it.

3. Bank car loans, banks are facing the pressure of tightening credit scale, consumer loans such as car loans have shrunk sharply, and the loan doors of some middle and low-end cars have been temporarily closed. The biggest advantage is a wide range of choices. Car buyers can go directly to the bank to apply for personal car consumption loans after they take a fancy to the models.

However, the procedure of lender qualification examination is very complicated. It is generally necessary to provide real estate (such as real estate) as collateral. Some banks are open to high-end customers or high-end models, and the car itself can be used as a mortgage. However, compared with other car loan methods, the time period for approval is very long. In terms of loan interest rate, the auto mortgage interest rate generally rises by about 10% on the basis of the benchmark bank loan interest rate in the same period.

Most car loan businesses need guarantee companies to guarantee or buy car guarantee insurance, and car buyers also need to bear 2.5% to 3% guarantee fees. When all procedures are added up, the comprehensive cost of bank car loan is the highest among the three ways.