You'd better go to the real estate department and be careful how to go to the real estate bureau.

Take my ID card to inquire.

thank you

You're welcome.

2. Is there a handling fee for car loan?

There is no uniform standard for car loan fees, and different stores and regions may be different. When consumers apply for loans, some handling fees are legal and need to be paid, such as credit reporting fees, performance bonds, notarized mortgage fees, etc. , usually collected in the following ways:

1. Credit fee: 65438+ 0% of the loan amount;

2. Performance bond: 3% of the loan amount will be charged; if it is less than 3,000, 3,000 will be charged, which can be refunded after the loan is paid off;

3. Notarization mortgage fee: 800 yuan is generally charged;

4. Mortgage fee: 3% of the loan amount;

5. Installment fee: installment fee is required for buying a car with a credit card loan, and the total installment fee is above 12. abstract

How much is the car loan fee?

There is no uniform standard for car loan fees, and different stores and regions may be different. When consumers apply for loans, some handling fees are legal and need to be paid, such as credit reporting fees, performance bonds, notarized mortgage fees, etc. , usually collected in the following ways:

1. Credit fee: 65438+ 0% of the loan amount;

2. Performance bond: 3% of the loan amount will be charged; if it is less than 3,000, 3,000 will be charged, which can be refunded after the loan is paid off;

3. Notarization mortgage fee: 800 yuan is generally charged;

4. Mortgage fee: 3% of the loan amount;

5. Installment fee: installment fee is required for buying a car with a credit card loan, and the total installment fee is above 12. answer

3. Is there a handling fee for car loan?

Basic information

Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also called auto mortgage.

Object of loan: The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.

Loan conditions: the borrower has a stable job, the ability to repay the principal and interest of the loan, and good credit; Can provide recognized assets as collateral or pledge, or a third person with sufficient compensatory ability as a guarantor to repay the principal and interest of the loan and bear joint liability.

Loan amount: The maximum loan amount generally does not exceed 80% of the price of the purchased car.

Loan Term: The loan term for automobile consumption is generally 1-3 years, and the longest is no more than 5 years.

Loan interest rate: uniformly stipulated by the People's Bank of China.

Repayment method: you can choose one-time repayment method of principal and interest and installment repayment method (equal principal and interest, equal capital). An auto financing or guarantee company, as a guarantor who repays the principal and interest of the loan and assumes joint liability, is a third party with sufficient compensation capacity.

Application conditions

Conditions for applying for auto consumption loans To apply for auto consumption loans, in addition to buying cars within a limited range from special dealers recognized by banks, car buyers who apply for auto consumption loans must also meet the following conditions:

(1) The car buyer must be at least 18 years old and a citizen of China with full civil capacity.

(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.

(3) During the loan application period, the car buyer will deposit the car purchase down payment lower than that stipulated by the bank into the account of the bank savings counter.

(4) Providing banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.

(5) Car buyers are willing to accept other conditions deemed necessary by the bank.

If the applicant is an enterprise or institution with legal personality, it shall meet the following conditions:

(1) has the ability to repay bank loans;

(2) During the loan application period, there is no less than the down payment for car purchase stipulated by the bank and deposited in the accounting department of the bank;

(3) Providing recognized guarantees to banks;

(4) Willing to accept other necessary conditions proposed by the bank. The special dealer referred to in the loan refers to the automobile dealer who is selected by the branches at all levels of the bank according to the financial strength, market share, credibility and other factors of the dealer, and then reported to the head office, and signed an automobile consumption loan cooperation agreement with each branch after confirmation by the head office.

procedure

Application process of automobile consumption loan

1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;

3. issue loans. After all the formalities are completed, the loan approved by the bank will be directly transferred to the car dealer account by the bank according to the contract;

4. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;

5. loan settlement. Loan settlement includes normal settlement and early settlement.

① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);

② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved. After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.

give exact information

Interest-free car loans Interest-free car loans are subject to a 30% handling fee. Auto financing companies in the market have launched interest-free car loans. But the handling fee is different. Some need to charge fees, and some don't. If the car you want to buy is interest-free and fee-free, it is still relatively affordable. If you need to charge a handling fee, you must carefully calculate and measure it.

The handling fee of car loan is generally between 4% and 7% of the total car payment, and the handling fee is paid at the same time as the first month payment. If the handling fee is too high, consider other types of car loans.

insurance clause

Read the relevant insurance clauses carefully before applying for a car loan. Buying a car with a loan is to mortgage the car to the bank. The car belongs to the bank before you pay off the bank loan. In order to reduce the risk, banks generally require you to buy some auto insurance as a loan condition in the car loan contract. The premium of these insurances may not fully meet your requirements, and may even be too high, so you must read the relevant insurance clauses carefully when applying for a car loan, and you can't ignore this cost.

Zero rate

There are more restrictions on buying a car with a zero-interest loan. Many manufacturers have introduced interest rate loans to buy cars, especially some high-end cars. However, there are two restrictions on buying a car with a general interest rate loan: first, you can't enjoy the cash discount for activities related to zero interest rate, and sometimes the amount of these cash discounts is quite large; Second, buying a car with interest rate loans is easily restricted by time, region and dealers, and it is not always a unified activity. If you want to buy a car with an interest rate loan, the above two aspects must be considered comprehensively.

Higher interest rates

Seriously consider floating car loans and loan interest rates. Generally speaking, if it is an interest-free loan, the total payment for car purchase will rise to a certain extent, and the price of cash car purchase and loan car purchase cannot be the same. In this case, you have to calculate how much the floating amount is, and whether it exceeds the total interest of buying a car with a commercial loan. If it exceeds, you may wish to apply for a commercial vehicle loan. If not, you can apply for an interest-free loan.

loan rate

The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers. The loan interest rate for automobile consumption is calculated according to the loan interest rate for the same period stipulated by the People's Bank of China.

Application steps

The application steps and procedures of personal automobile consumption loan, and put forward the application of automobile loan.

1. After the applicant is optimistic about the vehicle to be purchased, he/she needs to fill in the Application Form for Automobile Consumption Loan and the Credit Status Questionnaire, and submit them to the loan bank together with the relevant personal certificates.

2. After receiving the application, the bank will conduct pre-loan investigation and approval.

3. The bank shall notify the borrower to fill in various forms, as well as loan contract, guarantee contract and mortgage contract, and go through the formalities of mortgage registration and insurance.

4. Banks issue loans

5. The borrower pays the down payment to the car dealer, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank. In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and so on.

China construction bank

Business introduction and process business introduction

Car purchase by installment with dragon card: when the cardholder agrees to pay the down payment (the down payment is the net car price minus the approved amount), he applies to our bank to use his dragon card (excluding business card, student card, supplementary card and security card) to buy a family car at the dealer designated by our bank. After the approval of our bank, the actual installment amount will be divided into several installments, and the cardholder will repay the loan monthly within the agreed time limit and pay a certain handling fee.

Business highlights

beneficial tariff

The discount offered by the cooperative car factory is much lower than the car loan interest rate in the same period.

The maximum number of car purchases can reach 500,000.

Flexible repayment period of up to 36 months, enjoy car life in advance.

Easy financial management, ease the financial pressure, and increase the purchase budget.

Treatment process

For example, Mr. Zhang is going to buy a family car. After learning that Longka Credit Card can handle car installment payment with zero interest and low handling fee, he decided to use Longka to help him realize his dream of buying a car as soon as possible ... terms and conditions.

(1) China Construction Bank provides 12 (one year), 18 (one and a half years), 24 (two years) and 36 (three years) car purchase installment services.

(2) The installment amount of car purchase is generally 200,000-500,000 yuan (the installment amount range varies according to different models). For details, please click on the "Co-brand" column or consult 400-820-0008). China Construction Bank will decide whether and how much to approve according to the credit behavior of the cardholder and the repayment of consumption.

(3) The down payment ratio shall be at least 30% of the online car price (the down payment ratio will be different according to different models. For details, please click on the "cooperative brand" column or consult 400-820-0008), and the down payment shall be made by cash or debit card.

(4) Cardholder's handling fee = installment amount × cardholder's handling fee rate (handling fee is included in the bill of the first month after installment consumption).

(5) The cardholder shall be insured against motor vehicle loss when buying a car by stages, and the insurance period is the same as that by stages.

(6) If the installment amount cannot be divisible by the number of repayment periods, the system will automatically round off the repayment amount of each period.

(7) Customers applying for car purchase by installment must be under 60 years old.

(8) CCB reserves the right of final interpretation within the scope permitted by law.

Ping an Xin che consumption loan

This product is suitable for new car consumer loans, and adopts various repayment methods, such as equal principal and interest, average capital, net interest repayment, interest repayment, balloon loan, etc.

The message is simple: you can apply without real estate. You only need to provide personal identification to submit the preliminary examination of car loan, and then choose to provide residence certificate, income certificate and other materials according to different customer categories.

Efficient approval: the approval can be completed as soon as possible on the same day.

Quick loan: the information is complete, 1 working day.

Maximum amount: a single loan can reach up to 5 million.

1, identification

2. Proof of residence

3. Proof of income

1. Book online

Apply for quota

The staff of China Merchants Bank will contact you for help.

3. China Merchants Bank Qualification Examination

Pay a down payment

insure

Step 5 borrow money to pick up the car

4. Do I have to give the salesman money to apply for a car loan?

No, usually when you buy a new car, you only need to fill in the corresponding information to apply for a car loan, and then the dealership will help you apply. If successful, the car dealership will charge a fee. However, there is no need to pay the handling fee. He handles car loans, and he has his own commission.

You can give it if you want, and the salesman will definitely accept it.