Difference:
1. Information: Financial loan-loan statement (only one is required)
Bank loans-borrower's ID card, spouse's ID card, household registration book, marriage certificate, income certificate and running account.
2, speed: financial loans-the fastest 2 hours.
Bank loan-3 days at the earliest and one week at the slowest.
3- annual interest rate 12
Bank loan-the annual interest rate is between 6% and 8%.
2. What is the difference between buying a car with a bank loan and buying a car with a financial loan? What is the interest rate?
Difference:
1, information: financial loan-borrower's ID card, income certificate (take any one) bank loan-borrower's ID card, spouse's ID card, household registration book, marriage certificate, income certificate and household registration book.
2. Speed: financial loans-two hours at the earliest, bank loans as early as possible in the morning-three days at the earliest, with a delay of one week.
3. Interest rate: the annual interest rate of financial loans is above 12%, and the annual interest rate of bank loans is between 6% and 8%.
3. What's the difference between buying a car with a bank loan and a car with a financial loan? What's the interest rate?
Poor: 1, low bank interest, high finance company interest; 2, banks require more than finance companies, depending on the flow and interest settlement, metal companies do not require it. Get to know more and go to the credit house.
4. What's the difference between buying a car in the Spring Festival, a bank car loan and a car financing loan?
The Spring Festival is coming. Many people want to buy a car for themselves in the preferential promotion activities of 4S supermarkets during the Spring Festival, but now many people's concept of buying a car is also changing, and buying a car is gradually becoming popular. Our common car loans include bank loans and car financing loans. What's the difference between them? I'll tell you today. I. Loan Procedures Bank car loans are bank loan products, so car buyers are generally required to provide ID cards, real estate licenses and other information, and usually need to use the house as collateral, find a guarantee company to guarantee and pay the deposit and handling fee; The car financing loan does not need any guarantee from the car buyer, as long as the car buyer has a fixed occupation and residence, stable income and repayment ability, and good personal credit. Second, the down payment ratio Under normal circumstances, car buyers choose a bank down payment of 30% of the car price, and the loan period is usually 3 years, and they need to pay a deposit of about 10% of the car price and related handling fees; However, the down payment ratio of auto finance loans is low and the loan time is long. The minimum down payment is 20% of the car price, and the longest life is 5 years, without paying the mortgage fee. 3. Compared with auto financing loans, the expected annualized interest rate of bank auto loans is relatively low, which is determined strictly according to the expected annualized interest rate of banks; The expected annualized interest rate of auto financing loans is relatively high, which can rise by about 10% on the basis of the benchmark expected annualized interest rate. 4. As bank car loan is a bank's own loan product, the expected annualized interest rate of bank car loan will be relatively low, and the bank will also give discounts such as reducing the down payment ratio, extending the loan life and reducing the expected annualized interest rate of the loan according to the customer's integrity qualification. However, just as you can apply for a credit loan in a bank, the bank car loan is also faced with complicated application procedures, which require the car buyer to provide a series of proof materials and valid rights pledge or collateral that the bank can recognize. V. Auto financing loan The auto financing company is more professional and humanized, with a minimum down payment of 20%, lower application threshold and convenient procedures, and can pick up the car as soon as possible. The disadvantage of auto financing company's auto loan is that the expected annualized interest rate of the loan is high, and some are close to 8% in five years. In fact, whether car buyers choose bank auto loans or auto financing loans, they need to comprehensively consider the above five points, such as loan procedures, down payment ratio and expected annualized interest rate of loans, compare their respective advantages and disadvantages, and then choose the appropriate auto loan scheme in combination with their actual economic situation.