The loan requirements of an auto financing company: First, the lender is a natural person who is at least 18 years old and has independent civil capacity; Second, the lender has stable working income and certain economic ability, and can bear the monthly car loan; Third, the personal credit of the lender is good; Fourth, the lender has a fixed local address; Fifth, the lender has no other large debts except car loans.
Established in 2004, SAIC General Motors Finance (GMAC-SAIC) Co., Ltd. is a joint venture of General Motors Finance Corporation, SAIC General Motors Corporation and SAIC Finance Corporation. Among them, General Finance has been the largest and most professional auto finance service company in the world since the establishment of 19 19.
As the first professional auto finance company in China. SAIC General Motors Finance Company specializes in providing financing services for customers and dealers of general motors and other automobile brands. The registered capital is 65.438+0.5 billion yuan. By the end of 20 12, the business scope of 12 SAIC-GM Auto Finance Company has expanded to more than 300 cities in 30 provinces across the country, providing comprehensive auto finance services to more than one million auto consumers.
Since its establishment, the company has provided all-round auto finance services to more than one million auto consumers by virtue of international advanced auto finance management experience and technology, and maintained a leading position in the market. After years of construction and development, the company has built a service network with wide coverage, rich business varieties and first-class service level. Companies adhering to the "integrity, professionalism, customer first, innovation" business philosophy, in the domestic auto finance industry has always maintained a leading position.
Toyota Motor Finance (China) Co., Ltd. was formally established on June 5438+ 10/day, 2005. It is one of the earliest auto financing companies approved by China Banking Regulatory Commission and a wholly-owned enterprise of Toyota Financial Services Limited in China. Adhering to all the excellent business concepts of Toyota Financial Services Co., Ltd., the company, together with Toyota Motor, provides China users with "reassuring, caring and worry-free" professional loan car purchase service.
Based on a deep understanding of Toyota products, Toyota Auto Finance (China) Co., Ltd. combines the global mature and advanced auto finance service concept with the needs of China users to provide tailor-made professional auto loan services for Toyota customers in China.
Toyota Financial Services Limited is a wholly-owned financial services company of Toyota Motor Corporation. After 24 years of development, the company has accumulated mature and advanced experience in automobile financial services, and formally established a group company in July 2000, which is one of the largest financial companies in the world.
Toyota Financial Services Co., Ltd. carries out global sales financial services, covering nearly 33 countries and regions, actively promotes the global sales of Toyota cars, and provides extensive, convenient and diversified global sales financial services for Toyota customers.
Principle of auto financing loan
The principle of auto financing loan is to conform to the development of the times. With the intensification of competition in the automobile market, all kinds of automobile finance companies are still developing towards a benign operation mode. For example, banks do not provide vehicle replacement services, while auto financing companies can flexibly adopt the way of down payment to replace old cars, which is unmatched by general banking institutions.
The convenience of auto financing company loans is not only reflected in the direct application through 4S stores, but also in the fact that it does not need too many hard conditions such as hukou and real estate, which is one of the most obvious advantages of auto financing companies compared with bank car loans and other channels. This auto financing auto loan method is usually flexible and can be used in stages to meet the needs of customers. Generally, it is not easy to apply for a car loan with a three-year repayment by credit card, but it is relatively easy for an auto financing company to apply for a longer repayment period, usually around three years, which relieves the pressure on car owners to some extent.
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The first is to apply for loans from auto financing companies.
1. Regarding the selected vehicle type, go to China-Italy Auto Finance Company to choose a suitable car loan scheme and apply for a loan.
2. Prepare and submit the information needed for the loan and fill in the loan application form. When filling out the loan application form, try to fill it out truthfully and comprehensively to avoid duplication of work and affect the speed of your application review.
3. Wait for the approval result. Although the process of applying for auto financing loans is not troublesome, the approval is stricter than that of bank credit cards. In addition to personal identity and income certificates, marriage certificates (for couples to buy cars), property certificates, and personal daily accounts of banks may even include utilities, property fees, and some current accounts of individual startups.
The second is the interest rate. For example, we show that the loan interest rate of xx Auto Finance Company is three years 10.99% and five years11.38%; Compared with the current bank loan interest rate 1-3 years (including 3 years) of 6.65%, it is much higher. Of course, this intermediate profit is still shared by financial companies and cooperative banks. Before buying a car, consumers can properly consider whether to choose the normal loan mode of auto finance companies.
3. At present, the biggest advantage of the auto consumption loans launched by auto finance service companies is that the threshold is lowered, the convenience is high, and some products are attractive. Auto finance service companies are generally established by auto companies, such as Dongfeng Nissan Auto Finance Company, Ford Auto Finance (China) Co., Ltd., Toyota Auto Finance (China) Co., Ltd. and Shanghai General Motors Finance Company. Of course, more and more financial institutions and Internet cafes are involved in auto finance.
What is the interest rate of Huitong Xincheng automobile service loan?
Huitong Xincheng auto service loan interest rate is 8%, because the auto service loan interest rate is extremely low, but the number of installment loans will be particularly high.
Let's stop here for the introduction of the loan from the auto service company.