Hello, if you need to handle our loan business, you need to provide your information. The final result of the loan shall be subject to the approval result of the loan review department of the handling bank.

The following is an example of Shenzhen auto loan.

Loan object and conditions:

1. Meet the basic requirements of our retail loan customers.

2. Relevant requirements of foreigners or residents of Hong Kong, Macao and Taiwan.

3. Have the ability to repay the loan principal and interest on time. The ratio of monthly loan expenditure to monthly income of the borrower should be controlled below 50% (inclusive), and all monthly debt expenditure and monthly income should be controlled.

4. Personal car loan customers must be local residents where the institution is located.

5. Age plus loan period shall not exceed 60 years old. If two or more applicants apply for a loan, the loan term can be reasonably determined according to the actual situation, but at least 1 the borrower is not over 60 years old.

6. Other conditions stipulated by this institution.

Loan amount:

1. The maximum loan amount is 2 million yuan.

2. 80% of the highest price (excluding various additional taxes and premiums).

3. The maximum amount of individual car loan for imported cars shall not exceed 70% of the price of the car purchased (excluding various additional taxes and premiums).

deadline

The loan term is generally not more than 3 years, and the longest is not more than 5 years (including the cumulative term after the loan extension).

1. The third party guarantees and mortgages the purchased vehicle in the whole process.

2. Insurance companies provide full performance guarantee insurance.

3. Main

4. The phased guarantee and mortgage for the purchase of vehicles

5. Only mortgage the purchased vehicles.

6. Only provide natural person guarantee

7. Please refer to the specific product regulations for products with different protection methods. For those who can use multiple guarantee methods, try to use our better guarantee method.

Basic process:

1. Unless otherwise specified, the basic process of personal car loan shall be handled with reference to the relevant provisions in the process part of this specification.

2. Commercial acceptance

(1) Individual car loan banks apply for loans, and car dealers can also apply for loans by waiting for information from our partners.

(2) To apply for a loan through the materials handed over by the partners, the application materials shall be submitted as required by the bank. The bank shall provide the partner with a list of loan application materials and specify the basic requirements of relevant materials.

If you have any other questions, please visit "Online Customer Service" (website: /cmu/icslogin.aspx? from = B& amp； Logincmu=0), we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!

Second, 300,000 car down payment and monthly payment

According to the minimum down payment of 30%, the down payment of 300,000 cars needs 90,000 yuan, and the loan amount is 2 1 10,000 yuan. Calculated by the annual interest rate of 4.750%, the loan term is three years, and the monthly repayment of principal and interest is 62,703.4 yuan. According to the annual interest rate, the total principal and interest payment is 225,732.24 yuan, and the interest payable is 65,438+05,732.24 yuan. After that, the monthly interest is calculated according to the repayment amount. More repayment amount will generate more interest, while less repayment amount will generate less interest. If the bank's interest rate is adjusted during repayment, the repayment interest will rise or fall according to the interest rate. In addition to paying the down payment, the loan car also has to pay the car purchase tax, insurance premium, licensing fee and handling fee, which add up to about 20 thousand yuan. The longest loan period for a car cannot exceed five years. Different car 4s shops and different models will have different loan schemes. The loan period for a general family car is two or three years. Now all auto 4s stores have launched a zero-interest loan scheme, which can be repaid interest-free within two or three years, which is also very in line with people's car purchase needs. Precautions for buying a car with a loan: Before buying a car with a loan, you need to pay attention to the secondary mortgage of the car. Although this kind of problem rarely happens, car owners should be vigilant to prevent fraudulent loans. A loan to buy a car requires a certain handling fee. The handling fee is charged by the dealer. After the dealer collects it, he claims to give it to the financial center. In fact, financial centers are not allowed to charge fees. This is the handling fee set by the dealer himself, hoping to earn some profits from it. After paying the down payment, if you want to unsubscribe, some dealers may not unsubscribe, which requires negotiation with dealers in advance. Million car purchase subsidy

Third, how much is the down payment of 300 thousand for a 400 thousand car?

400,000 yuan to buy a car in stages, with a monthly payment of 53.333 yuan.

Loan 400,000 yuan to buy a car in installments, 400,000 yuan 120 installments, with an annual interest rate of 6% and a monthly interest rate of 0.5%. Monthly payment = 400,000 yuan (1÷1200.5%) = 400,000 yuan 0.013333333 = 0.533332 million yuan =5333.33 yuan. The purchase price is 400,000 yuan to buy a car, the term is 10 year, the annual interest rate of the loan is 6%, and the monthly payment is 5,333.33 yuan.

How much can I borrow to buy a 30W car?

At present, most banks do not make car loans, only through loan companies. General loan companies can borrow up to 70%, with a few exceptions. In addition to the car payment, there is an additional purchase tax, which is included in the down payment. For example, if the car you bought is 30W non-imported, then the loan is 2 1W, and the down payment of 7W plus the purchase tax of 3W is the down payment 10W. The loan amount is 2 1W, except for these insurances, which are all necessary, and commercial insurance covers all risks. This year is about 8000 yuan. If you work in a loan company, the interest is not too high (that's what the loan company earns). The longest loan period is three years! At least one year, I have seen a company with zero down payment before, but the monthly repayment will increase, which is actually the same thing!