The car loan interest rate of China Bank is as follows: 1, short-term loan, 4.86 within half a year (including half a year), 5.31from half a year to one year (including one year); 2. Medium-and long-term loans, 1-3 years (including 3 years) 5.40, 3-5 years (including 5 years) 5.76, and more than 5 years 5.94; 3, the general customer loan amount is not higher than 60% of the car price in principle, and the guarantee provided by high-quality customers is not higher than 70% of the car price in principle; In principle, the loan amount for high-quality customers is not higher than 70% of the car price.
Second, how to get a big book after the car loan of China Bank is paid off?
If your personal car loan in China Bank has been paid off, please consult the loan manager for the specific decompression procedure.
Third, the Bank of China borrowed money to buy a car.
Let's talk about policy first. Generally, the loan policy between 4S shops and banks needs to provide the identity card of the car buyer, household registration book (temporary residence permit for foreigners), real estate license (dispensable), running salary (half a year) and income certificate issued by the company.
The latter two items are necessary, and the bank flow is relatively simple. From now on, a fixed amount will be deposited into the card at a fixed time every month, and the contact will be for 6 months. Since there is a unit, the income certificate is definitely no problem. The amount in this income certificate corresponds to your bank card every month.
It would be great if the car brand you want to buy has its own loan financial service. I bought Ford, which has Ford finance. It's simple. My income certificates were all forged and were seen by the loan department. I admitted it when I asked by phone, but I still passed.
After you buy a car, your car purchase invoice will be mortgaged and a loan agreement will be signed.
4. What are the specific requirements for buying a car through a loan from the Bank of China?
Borrowers who apply for personal car loans of BOC must meet the following conditions at the same time: 1, 18 years old, natural persons with full capacity for civil conduct, valid identity documents that meet the regulatory requirements, and fixed and detailed addresses; 2. People's Republic of China (PRC) citizens with permanent residence in China, or Hong Kong, Macao and Taiwan residents and foreigners who have lived in People's Republic of China (PRC) for more than 1 year (including 1 year) and have their own property in the place where the loan is applied; 3. Personal legal assets with sustained and stable legal income or sufficient to repay the loan principal and interest, and the ability and willingness to repay the loan principal and interest on schedule; 4. Personal credit status is good, and there is no bad credit record in BOC and its peers; 5. Being able to pay the down payment for car purchase that meets the requirements of laws, regulations, regulatory provisions and these Measures; 6. Provide effective guarantee recognized by the lender; 7. The purpose of the loan is clear and legal, and it can provide a car purchase contract, agreement or letter of intent recognized by the lender; 8. You need to open a deposit account with BOC before handling the loan; 9. If entrusted payment is adopted, the borrower shall provide effective counterparty account information, etc. To meet the conditions of independent payment, you need to submit personal account information; 10. Comply with laws, regulations, regulatory requirements and other conditions stipulated by the lender. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.