If you apply for a China Merchants Bank card, there are two kinds of personal car loans that can be handled by our savings card at present:
1. Consumer loans are used to buy a car, and you need to apply for a mortgage with a property with full property rights. If you meet the requirements, you can directly contact the personal loan department at the counter of China Merchants Bank to apply for your loan. The handling bank needs to examine your situation in detail to determine whether it can be handled.
2. Personal car loan, you need to apply for mortgage with the purchased car. If you have seen the car you need to buy through the car dealer, you can confirm whether you have cooperation with China Merchants Bank through the car dealer. If not, you can try to contact the personal loan department at the counter of China Merchants Bank directly to apply for a loan for you. The handling bank needs to examine your situation in detail to determine whether it can be handled.
If credit card is used for car installment: We mainly distinguish the installment application methods and application materials to be submitted by different cardholders according to their card performance (such as card holding time, consumption habits, fixed amount, etc.). ), professional status, income, etc. If you are interested in buying a car in the near future, please call Chebuyi: 4008855855 two weeks before buying a car.
2. What are the auto loans of Guangfa Bank? You can buy a car in either way!
In recent years, people's recognition of joint-stock banks is getting higher and higher, and many people will take joint-stock banks as the first choice for loans. A friend asked about the car loan of Guangfa Bank. The following is to introduce the relevant content for everyone. The car loan of Guangfa Bank is a loan product specially designed to help people buy new cars. The down payment ratio for self-use cars is 20%, and that for commercial vehicles is 30%. The loan term can be up to five years, and the interest rate is charged according to the corresponding benchmark loan interest rate. The loan repayment method is flexible, and there are six repayment methods to choose from, namely: (1) average capital; (2) Weekly supply, biweekly supply, monthly supply, quarterly supply and semi-annual supply; (3) Equal principal and interest; (4) Repaying the principal and interest by stages; (5) One-time repayment of principal and interest; (6) Repay the principal in one lump sum and pay the interest in installments. In addition, you can also achieve the goal of buying a car through the consumer loan of Guangfa Bank. But the repayment pressure of consumer loans may be greater than that of auto loans. Here, I would like to introduce you to Confidence One Loan and Guangfa E-second Loan. Self-confident loan can provide you with a pure credit loan of up to 300 thousand, without any mortgage or guarantee, just provide ID card and proof of income. I am confident that the loan can be granted within one day at the earliest. Guangfa e-second loan can provide users with a provident fund loan of up to 300,000 yuan, which can be applied through online banking and mobile banking. The application conditions of Guangfa e-second loan are: (1) the age is between 25 and 55 years old; (2) Deposit the provident fund locally for more than half a year; (three) in Guangzhou, Chengdu and other cities that have opened business. Generally speaking, both the auto loan and consumer loan of Guangfa Bank can be used to buy a car, so you can choose according to your own actual situation.
3. What is the annual interest rate of Guangfa Bank to buy a car by installment, monthly 1600?
The monthly interest rate is 3. 1%, and the annual interest rate is 3.72%. The total principal and interest of 80,000 yuan for three years is 84,670.82 yuan, and the monthly repayment is 235 1.97 yuan according to the same principal and interest.
4. How does Guangfa Bank borrow money to buy a car?
Nowadays, buying a car with a credit card has become a popular way. The credit card loan amount of Guangfa Bank is low, and the credit limit that cardholders can apply for is 200,000-200,000. There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for buying a car by credit installment, and Guangfa Bank only charges a handling fee. The handling fee rate is different in different installments. Guangfa Bank has great advantages in buying a car with a credit card loan. First look at the car you want to buy. Fill in the "Application Form for Automobile Consumption Loan" and the "Questionnaire on Credit Status" and submit them to the loan bank together with the relevant certificates of personal situation. 2. Investigation and approval. If the loan conditions are met, the bank will promptly notify the borrower to fill in various contracts. Notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures. 4. Borrow a loan to the car dealer's account. 5. Pick up the car. The borrower pays the down payment to the car dealer's storage friend, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank. According to the regulations of the bank, the lender should deposit the principal and interest repaid in installments into the settlement account in advance, otherwise the bank will charge a certain late fee. If funds permit, car buyers can consider repaying the loan in advance.