Not reliable. "It's hard to accept the current situation. Not only owed a lot of money to the bank, but also bought personal loan guarantee insurance. After the deadline, my car was towed away by the financial leasing company. " 165438+1On October 23rd, Ms. Gao from Henan told reporters about her mortgage experience.
Many consumers, including Ms. Gao, told reporters that they originally thought that the car mortgage was introduced by a financial leasing company and applied to the bank. Finally, four contracts were signed: automobile mortgage contract and automobile rental contract signed by consumers and financial leasing companies, personal loan guarantee insurance signed with PICC China, and RMB personal consumption loan contract signed with Xiamen International Bank.
Ms. Gao said that when the financial leasing company gave her money, she paid a handling fee of more than 30 thousand yuan. After inquiry, she found that the contract amount of applying for a loan from the bank through the financial leasing company far exceeded the loan amount actually obtained by the user.
What puzzles consumers is why consumers can only apply for personal consumption loans from Xiamen International Bank if they mortgage their vehicles to financial leasing companies. Why is the whole loan transaction mode so complicated?
Consumer's problem
Recently, many consumers reported to the Economic Observer that due to their own qualifications, they hastily signed several contracts with financial leasing companies without fully understanding the contents of the loan contracts, taking it for granted that the signed contracts were the vehicle mortgage loan business applied to Xiamen International Bank.
What they didn't expect was that after completing the formalities and repaying the loan for a period of time, users discovered that the bank vehicle mortgage loan contract they originally applied for was actually a personal consumption loan contract of the bank. And among the many contracts signed, there is also a car rental contract signed with a financial leasing company, and the full car held becomes mortgaged to the financial leasing company.
Ms. Gao said that in March 2020, due to work needs, the salesman of Qingdao Admiralty Tianxia Financial Leasing Co., Ltd. (hereinafter referred to as "Qingdao Admiralty") introduced and applied for the e-car loan of Xiamen International Bank, and the car mortgage loan was through his own car. At that time, the salesman claimed that the loan interest was low and the handling fee was only 2000 yuan. According to Qixinbao's data, the registered capital of Qingdao Admiralty is USD 30 million, of which Henan Yongjia Xinye Business Information Consulting Co., Ltd. subscribed USD 22.5 million, holding 75% of the shares.
"This year, due to the floods and epidemics in Zhengzhou, the income dropped sharply. On September 9th, I communicated with the customer service of Xiamen International Bank to postpone repayment. Under the guidance of customer service staff, I downloaded the online banking APP of Xiamen International Bank for the first time. After logging in, I found that my loan contract amount does not match the actual loan amount. " Ms. Gao told the reporter that the loan contract showed that the loan amount was 10.97 million yuan, but actually only 75,399 yuan was received, and the repayment amount with interest for three years exceeded/kloc-0.20 million yuan.
According to the receipt of domestic payment business provided by Ms. Gao, on March 20, 2020, Qingdao Admiralty paid Ms. Gao 50,000 yuan and 3,950 yuan twice, totaling 53,950 yuan. After Ms. Gao repaid the loan of 325,065,438+0 yuan as required by Qingdao Admiralty, she paid Ms. Gao 50,000 yuan and 3950 yuan in two installments.
What puzzles Ms. Gao is that it was clearly the vehicle mortgage loan business of Xiamen International Bank "BOC E Car Loan", but in the end it became a car rental contract with Qingdao Admiralty, and the personal consumption loan was handled in the bank. The feedback from the customer service of the bank is that I rented a car from the financial leasing company and needed money, and then Xiamen International Bank made a one-time payment to the account of the financial leasing company according to the account I provided. Ms. Gao said.
Due to overdue, Ms. Gao's pre-mortgaged car has been towed away by the financial leasing company and is currently being collected by the insurance company, because personal loan guarantee insurance was purchased during the loan period.
Another Ms. Wang from Yunnan also told the reporter that she applied for the E-car loan from China Bank through Xiamen International Bank under the recommendation of the salesman of Zhejiang One-key Leasing Company (hereinafter referred to as "Zhejiang One-key"). At that time, the introduction of China Bank's e-car loan business also showed that it was Xiamen International Bank's car mortgage loan business.
In the process of handling, Ms. Wang went to the local vehicle management office to mortgage the vehicle according to the requirements of the salesman, and then handed over the vehicle and the spare key to Zhejiang Yijin. "When I signed the contract, I found that the vehicle mortgage loan contract became a car rental contract. At that time, I raised questions. The salesman said that these are the requirements of the bank and must be released according to the requirements of the bank. Considering the real need at that time and out of trust in the bank, I finally signed and took photos according to their requirements. " Ms. Wang said that while waiting for the loan, the salesman of Zhejiang Push-to-Talk sent a message saying that the company would pay a sum of money to Ms. Wang's account first, but it needed to be returned to the company, and then the remaining balance would be paid to Ms. Wang.
Later, due to the epidemic situation, Ms. Wang loans overdue. To Ms. Wang's surprise, she waited for the communication from Xiamen University International Bank, but China PICC entrusted a third-party collection company to collect the money. Originally, a series of contracts signed before also included personal loan guarantee insurance.
"I quickly looked at my loan information in the Xiamen International Bank APP: I found that the vehicle mortgage loan I always thought became a RMB personal microfinance contract." Ms. Wang claimed that the loan contract amount was 1.2 1.700 yuan, and the actual amount was only 90,492 yuan. According to the current monthly repayment of 3,800 yuan, 36 installments * * * need to be repaid136,800 yuan.
Ms. Wang told reporters that as a consumer, the idea is to calculate interest repayment according to the actual amount obtained.
"BOC e-car loan" has been removed.
The reporter logged into official website and APP of Xiamen International Bank, but found no information about e-car loan of China Bank. The only thing that can be traced back is that Xiamen International Bank's annual report for 20 19 shows that in 20 19, the bank's retail online lending studio and expert group launched online lending products such as "tax-free loans", "e-car loans", "good e-loans" and "point e-loans" to promote the steady growth of retail loans.
In response to consumer complaints, the reporter called the customer service of Xiamen International Bank as a consumer. The other party said that the bank did have the e-car loan business of China Bank, but it was taken off the shelf several months ago because the bank considered business adjustment.
"The e-car loan provided by Bank of China has always been a personal consumption loan, not a vehicle mortgage loan product. Generally, you can apply for a loan through China Bank's e-car loan, and pay it in full to the account of the special entrusted payment company designated by the consumer when withdrawing money from Xiamen International Bank. So this is a matter between consumers and third-party intermediaries, and has nothing to do with banks. Consumers are advised to communicate directly with institutions that help them deal with overdue repayment. " The customer service told the reporter.
What are the application conditions for Xiamen and automobile mortgage?
Car mortgage, Xiamen: There is no need to go through the transfer formalities, so it is easy to pay quickly. We'll leave the car in your custody.
Application conditions:
Vehicle types: all models, new cars, used cars and mortgaged vehicles.
License plate requirements: vehicles from legal sources in China;
Vehicle age requirements: the longest is no more than 5 years;
Requirements for vehicle valuation: over 20,000.
Suitable for people: unlimited hukou, short-term turnover, and those in urgent need.
Loan process: vehicle inspection-loan signing procedures-vehicle storage-loan.
Features: simple and quick operation, no need to transfer.
How to settle the car loan of Xiamen Bank in advance?
You can settle the car loan in advance by applying at the counter.
Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. The actual interest rate of car loan is set by the handling bank according to the actual situation of customers and with reference to the benchmark interest rate stipulated by the central bank. There are three types of car loans: direct, indirect and credit card.
The term of car loan is generally 1-3 years, and the longest is no more than 5 years.
Is it true to borrow Dongfeng loan?
It is a reliable and regular Xiamen Qingshan Peer-to-Peer Lending Information Intermediary Service Co., Ltd. developed and operated by Dongfeng Company. It is committed to providing services to all users who need to borrow money. Office workers, freelancers and self-employed people can apply. Business scope includes personal consumption loans, commercial loans, housing loans and auto loans. It is a powerful, simple and practical mobile Internet single-phase loan service platform to solve the problem of information asymmetry in the process of financing loans through big data analysis. It is specially designed for friends who need money and can borrow money quickly. You can operate online anytime and anywhere and get loan information anytime and anywhere.
Characteristics of Dongfeng loan products
1. The information is simple: you can get a loan quickly by using your ID card; it only takes 5 minutes to apply, and the review is 1 hour. Flexible limit: the minimum 500 yuan, with a large installment repayment of 200,000 yuan.
2. Gold medal consultant: reply in an average of 5 minutes and enjoy high-speed service. Dongfeng Loan app can apply online 724 hours a day, and you can borrow money to repay your credit card at any time. The maximum amount is 20 thousand, no face-to-face signing, no phone harassment mode.
3. Second approval, bid farewell to waiting, save the smart machine audit mode, audit at the fastest speed, and lend money within 3 seconds. Free installment payment, extremely low repayment interest, only 30% discount from the bank, loan 1 000 yuan, monthly interest as low as 5.8 yuan, no handling fee and no hidden cost.
4. The benefits are self-evident! The function response of Dongfeng Loan app is timely: the customer service will respond immediately after applying for 3 minutes. Reasonable interest rate: compliance, low interest rate, no extra handling fee. Free quota: you can apply for installment repayment for offline transactions. To sum up, Dongfeng Loan is true, formal, safe and has various functions.
Dongfeng loan is a good opening remark. Many people are using Dongfeng loan. As a formal and legal platform, the quota is very high and the interest rate is lower than that of banks. It is hard for people to like it. Dongfeng loan is not perfect, but it is much better than similar products.
6. "Dongfeng Loan" is a large loan business launched by Xiamen Qingshan Online Loan Information Intermediary Service Co., Ltd., with a loan term of 36 months and a monthly interest rate of 0.5%. It covers wage loans, social security provident fund loans, car mortgages, housing mortgage loans and other loan methods. Telephone audit manual audit, the fastest day of lending. At present, it is in the process of stabilizing loans.
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What are the requirements for car mortgage in Xiamen?
1. There is room for remortgage for cars with secondary mortgage.
2. Complete the secondary mortgage procedures for automobiles;
3. The borrower has a legal and stable income source and repayment ability;
4. Other conditions required by the lending institution.
"helping people borrow money" this
very good