Everyone is familiar with car loans, but after CCB bought a car with zero down payment and interest-free loans, everyone began to get impatient. Many friends want to apply, because it is more comfortable to buy a car without interest pressure, but interest-free loans also require car loan fees. So how much is the handling fee for CCB to buy a car with an interest-free loan? What are the modes for CCB to buy interest-free loans?
I. Conditions for CCB to buy a car with an interest-free loan
1, a natural person with full capacity for civil conduct
2. Have a local permanent residence or valid residence status and a fixed detailed address.
3. Have a proper occupation and a stable and reliable source of income.
4. Holding the agreement or contract signed with the dealer designated by the lender for the purchase of designated brand cars.
5. To provide mortgage or pledge with the property recognized by the lender, the guarantor shall be an individual or unit recognized by the lender with compensatory ability and joint liability.
6. If the buyer is a husband and wife or a family member, they must apply together.
Two, CCB car interest-free loan model
Hyundai Honda, Dongfeng Honda, Da Yue Kia, Geely, FAW Mazda and FAW-Volkswagen Audi.
3. What is the handling fee for the interest-free loan of CCB?
The handling fee for CCB's interest-free loan to buy a car is based on a car with a total price of10.2 million, and the down payment is 40%, that is, the maximum loan amount is 72,000 yuan. Generally, according to bank regulations, the down payment is 50,000 yuan, and the total installment amount is 70,000 yuan. According to 12 installment payment, the monthly repayment is 70,000 yuan/12 = 5,833 yuan, and the handling fee is 70,000 yuan. If the car loan is interest-free, the total cost of car purchase is 122450 yuan.
If you choose a one-year automobile consumption loan, the total cost is 70,000 yuan plus loan interest, then the total cost of buying a car is125,229 yuan. It is not difficult to see that it is more affordable to buy a car with an interest-free loan.
The above is an introduction to the handling fee of interest-free loan for car purchase. I hope I can help you.
With a monthly income of 3,000 yuan and a cash loan of 50,000 yuan, what kind of car is suitable for buying?
Model recommendation: Chery QQ series, Li Xia series, Geely Pride, and Uniou.
1, Chery QQ and Li Xia series are the sales champions in their respective market segments, and their respective characteristics are also outstanding. QQ has a lovely appearance and is suitable for young car buyers. Its displacement is 0.8 liters and 65,438+0.65,438+0 liters. The cost of gasoline is about 500 yuan a month to 600 yuan, so consumers with a monthly salary of 3,000 yuan can totally afford this model.
2. Geely is also a good choice, and the maintenance is relatively convenient and cheap. The displacement can be selected from 1. 1, 1.3 and 1.4. You can choose vehicles with different displacement according to your needs and calculate the distance you need to travel every day. If you commute more than 50 kilometers a day, this small-displacement car can save a lot of money every day.
Mainly depends on the requirements of 4s stores. Your salary is up to 65,438+10,000 yuan to buy a car. Now the loan requirements are different. Some need a salary card, some need a real estate license, and some must have a deposit.
I suggest not buying an expensive car, Toyota Corolla, which is better than VIOS. Think about corolla at most.
Remember that it is easy for you to buy a car, but difficult to maintain it, and you have to pay back the loan.
I want to borrow money to buy a car recently. Landing price 1.6 thousand or so, and the loan is within 60 thousand. What models are worth recommending?
Welcome to pay attention to Mencius talking about cars!
The down payment of the loan is less than 60,000 yuan, and the total landing price is about 6.5438+0.6 million yuan. There are many models to choose from. If I buy this kind of car for home use, I really recommend the joint venture brand, about 6,543.8+0.6 million yuan. In terms of design space, including configuration safety, it is much better than the entry-level low-profile models. So in addition to SUV models, you can also choose cars.
1 model can consider the new Volkswagen lavida.
The popularity of this model of Volkswagen LaVida is really high in China. The new model adopts MQB platform, and the general rate of vehicle parts exceeds 90%. Therefore, in terms of performance, it is much more reliable than the old model. With a budget of 654.38+0.6 million, you can buy a model with medium and high automatic transmission, with a down payment of 30%, which can be within 60,000.
The second paragraph can consider Nissan hackers.
Nissan hacker has two different engines to choose from. In addition to 1.2T, there is also a 2.0L engine, which has a good performance in both power and fuel economy. /kloc-the budget of 0/60,000 suggests buying an automatic transmission model. Nissan hackers have many advantages. In the150,000 joint venture SUV model, the sales performance of this model is also very good. The advantages of this model are obvious, that is, power and space, and then the disadvantages are obvious, that is, the sound insulation and noise reduction in the car are not good, and the interior materials are relatively poor.
Summary: The budget of 654.38+0.6 million yuan, in addition to the above two models, of course, you can also choose your own brands, such as Harvard H6, Geely Borui and so on. In the end, we must decide for ourselves what mode to choose. After all, we should always drive our own car. If you have a better model recommendation, remember to leave a message in the comment area. Let's discuss or pay attention to me and give me private messages, and I will reply to you one by one.
This friend's car purchase budget is 6.5438+0.6 million, and the car purchase method is loan. The loan amount has little to do with the total budget for car purchase, and there is little difference between the upper and lower. So if the car purchase price is 654.38+0.6 million, then the price of _ car is about 654.38+0.4 million. The model you want to choose is the best B-class car. The following is a brief introduction to this proposal.
First of all, it is difficult to choose a B-class car with a car price of 654.38+0.4 million. There are not many domestic B-class cars, and the joint venture budget is too small to get a car. Only domestic boutique cars can be recommended here.
The Sharp CC sedan in Chang 'an is a mid-level car with 1.5T blue whale power engine, which matches Aisin 6AT manual and automatic gearbox. As for the chassis, front McPherson independent suspension and rear McPherson independent suspension are adopted, and EPS electronic power steering system is adopted, which has three steering modes: comfort/sport/standard, which can be adjusted according to users. The budget is sufficient and the configuration is quite rich, and the budget can be selected at the top. Worth considering.
Geely Borui car Geely Borui car is also a good choice. Budget can choose 1.5T turbocharged engine MHEV mild hybrid vehicle. This car has a wheelbase of 2870MM and is matched with a 7-speed wet dual clutch, with an acceleration of 8.9 seconds per 100 kilometers. The fuel consumption under working conditions can be controlled within 7 oils, which is very good. The budget is not enough, but you can choose a good one.
This is my simple answer. I hope I can provide some simple reference for this friend to buy a car.
160,000 landed here, excluding the cost of 35,000. It doesn't matter how much you borrow. The cost range of 125000 is not too big. You chose a loan. Why not borrow 20 thousand or 30 thousand more? Sounds the same. It doesn't matter if you change it for a few more months. This car can be upgraded to a higher level. If you want 654.38+0.7 million naked cars, this choice can be a B-class car or a medium-sized SUV. Your current budget can only choose some A-class cars. For example, the quality of A-class cars is relatively stable, and there are also mid-range models, including Nissan Sylphy. Corolla from Toyota. Mazda No.3 Middle School matches it. I'm talking about the new prices of these models. If you choose the old model, the price will be about 20 thousand yuan lower. If you want to choose some domestic models, then many people will choose Haval h6 in the end. A big enough face. Oh, by the way, Lavida and Bora are both good choices. Skoda Ming Rui can also choose. And Honda's Lingpai. And Honda's Civic. The choice of suv is not too small. Qichen's t70 is in the middle and high grade, and this price can be selected. There are also strong customers of Dongfeng Nissan. And Honda's xrv and Binzhi. Most domestic SUVs can choose the top price.
First of all, I don't know whether the topic is joint venture or domestic production, whether it is a car or an SUV. However, if you want to choose a car, there are still many brands of 654.38+0.6 million, such as Passat, Magotan and Mai Rui Bao, Regal and so on. But personally, I think there are really not many old irons buying cars these days. SUV is the pioneer of public choice. To buy an SUV of 654.38+0.6 million, only domestic brands can be recommended. In fact, not to mention everyone, there is a car that not only has large space, but also has good power and low price. Who's that? Today, Dong Ge will tell the old irons about this "Geely-Job", but I want to emphasize that this is just an article published for the discussion of the bosses, not anything else!
Everyone may know Geely Job, and it has been listed since 16. It has been sought after by many car owners and friends. It was once necessary to book a car several months in advance. Of course, the premise of selling well is of course inseparable from the advantages of driving. Since Geely acquired Volvo, it has obviously improved a lot in technology and quality. It is against this background that Job Geely was born by luck.
Geely Job is a car designed by the top team led by the famous designer Peter Hobury, which combines China culture and international aesthetics. From the outside, Geely Job has a family-style water drop corrugated air intake grille, and the chrome-plated decorative strip of the front fog lamp combines the wishful shape of China. Headlights are as sharp as eagle eyes, making the whole front face look dynamic and exquisite.
Summary: From the appearance, it is fashionable and dynamic, which meets the aesthetic needs of young people. The interior design style is unique, bold and innovative, and the sense of science and technology is bursting. The configuration of high space and great power is completely sufficient. Plus the price of 98,800-6.5438+0.598 million, I feel good personally. Although the wheelbase of the 2670 is slightly different from that of a medium-sized SUV, you can call it whatever level you like! What do you say, old iron? Of course, these are just personal opinions and cannot represent anyone. If there are any mistakes, please leave a comment. I will study hard to correct them. Thank you!
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