The most suitable is the "housing provident fund loan"! There are various repayment methods! Better than other loans.
2. Which is the most cost-effective way to buy a car by loan?
VIP customers of ICBC Peony Credit Card can purchase Highlander in installments without submitting all kinds of proof materials of mortgage and guarantee. It depends on what bank credit card you have. Bank credit card loans, bank loans, auto financing companies and general loans, which are more official and formal, are more cost-effective loan methods, excluding loans from private lending banks, but there are car types restrictions, which means it depends on the car type you want to buy. If you are not within the scope of this credit card loan to buy a car, this loan method is often free of charge and interest. Bank credit is a common bank loan, which has the advantages of unlimited mode, relatively low interest and complicated procedures. And it needs a guarantor, the auto financing company, which is the auto manufacturer's own financial company, but the financial loan of this brand can only buy the delivery of this brand. Now there are many joint-venture brand cars, all for buying cars. Their advantage is that the handling fee is low, the procedures are simple, there is no mortgagor, and the procedures are also handled by franchise stores. The disadvantage is that the relative interest rate is higher.
3. What's the difference between car loan, bank loan and financial loan? What are the advantages and disadvantages?
1. Bank loan. Advantages: There are no restrictions on the types of car loans from banks, and the repayment time can be flexibly selected between 2-5 years in theory, which is especially suitable for high-quality or high-end customers. Disadvantages: From the perspective of credit development, automobile consumption loans first started from banks. However, at present, banks are facing the pressure of tightening credit scale, and consumer loans such as car loans have shrunk sharply, and the loan doors of some middle and low-end cars have been temporarily closed. Therefore, this is also a difficult way to operate in several major car loan channels. In addition, the approval is troublesome, the loan period is long, and most of them need real estate pledge, so it is difficult for individual users to handle car loan business. Second, financial loans. Advantages: The convenience of auto financing company loans is not only reflected in the direct application through 4S stores, but also in the fact that it does not need too many hard conditions such as hukou and real estate, which is one of the most obvious advantages of auto financing companies compared with bank car loans and other channels. This auto financing auto loan method is usually flexible and can be used in stages to meet the needs of customers. Generally, it is not easy to apply for a car loan with a three-year repayment by credit card, but it is relatively easy for an auto financing company to apply for a longer repayment period, usually around three years, which relieves the pressure on car owners to some extent. Disadvantages: The loans of auto financing companies basically only provide the business of designated models of this brand and related brands. Compared with buying a car by installment with a credit card, its loan period is longer. More than that, its car loan interest is higher than that of bank loans in the same period, and the approval is stricter. At the same time, there are a lot of hitchhiking fees, and it has not yet entered a benign model based on promotion. Generally, people who fail to approve bank loans can consider this way. There is also a commonly used loan method: credit card loan. Advantages: The most obvious advantages of credit card car loan are fast approval and relatively simple procedures. If consumers use a credit card loan to buy a car, they only need to use a credit card with a good credit record within the validity period, provide their ID card and apply to the card bank for car purchase by installments. Even if you don't have a credit card, you can go through the formalities of buying a car with a credit card at the car dealer, which usually takes 3-7 working days. Disadvantages: it is necessary to specify the cooperative brand and model, which has certain restrictions on the applicant; The longest installment is 36 (3 years), and the actual operation is controlled at 12-24, paying more attention to the credit of cardholders or applicants. If the credit information is not so good, don't choose this method.
4. What is the most cost-effective way to buy a car with a loan?
Now it is equal principal and interest, that is, the loan amount divided by the loan is 50% of the down payment, and 50% has been saved in two months! In the 36th month, 333 songs (30% and 30%) were still preserved.