1. How many years can I borrow a quick loan from China Construction Bank?

Kuai e-loan users can directly apply for a loan at CCB’s self-owned facility, and the maximum loan period is 1 year. It supports borrowing and repaying at any time, and the credit limit can be used repeatedly. Users can also choose to repay the loan in one lump sum after one year.

Ronge Loan has a relatively long borrowing period, and you can apply for a maximum repayment period of 60 periods, which is 5 years. However, the loan application threshold for Ronge Loan is relatively high, and generally only high-quality customers of China Construction Bank can apply. It also supports borrowing and repaying at any time, and the credit limit can be used repeatedly.

Pledged loan is a loan product that requires users to apply at a CCB branch. The maximum borrowing period is one year. The credit limit will not be restored until the user has paid off the loan in full. The threshold for applying for a mortgage loan is not high, and the personal qualification requirements for users are not that strict.

Che e-loan is actually China Construction Bank’s online car loan, which can be repaid in up to 3 years, that is, 36 installments; Wo e-loan has the shortest loan period, which is only two months.

We need to remind everyone that if users want to apply for CCB quick loan, they first need to have business dealings with CCB and have a personal account with CCB.

2. How many years can a car loan be loaned for?

According to relevant regulations, if it is a new car loan, the maximum loan period is 5 years; if it is a second-hand car loan, the maximum loan period is The loan term is 3 years. The specific loan period is determined by the lending institution based on the applicant's repayment ability, occupation, credit report, etc. Car Loan refers to a loan issued by a lender to a borrower who applies to purchase a car. The actual interest rate for a car loan is determined by the bank based on the actual situation of the customer and with reference to the loan benchmark interest rate stipulated by the central bank. There are three main types of car loans: direct customer, indirect customer, and credit card car loans. The car loan period is generally 1-3 years, with the longest not exceeding 5 years. The loan target borrower must be a permanent resident of the location where the loan bank is located and have full civil capacity. Loan period: Car loan period: The period of automobile consumer loans is generally 1-3 years, with the longest not exceeding 5 years. Among them, the loan period (including extension) of second-hand car loans shall not exceed 3 years, and the loan period of dealer car loans shall not exceed 1 year. The benchmark interest rate for loan interest rates is stipulated by the central bank. Auto loans are subject to the benchmark loan interest rate, but each financial institution can float within a certain range above and below the benchmark interest rate. The car loan period of major banks generally does not exceed 5 years. The interest rate of car loans directly determines the cost of people's loans, and thus becomes an important factor in deciding whether people take loans for consumption. How to calculate the car loan interest rate? The formula for calculating the monthly car loan payment: A=P(1i)[(1i)^n-1]/n^2/iA: monthly payment P: total payment amount i: monthly interest rate ( Annual interest/12)n: Total number of months of payment (year × 12) Car loan type Personal loan car purchase business is divided into three types: direct customer type, indirect customer type, and credit card car loan. The direct customer type is generally a bank car loan where the customer meets directly for the loan, and the indirect customer type is generally a car finance company car loan where the auto finance company transfers the customer to the customer. For direct bank car loans, the fees collected are deposit, principal and interest, 3 guarantee fees, etc. The fees for high-quality bank customers will be discounted, but each bank's preferential policies are different. In addition to paying the above fees, Jianke Auto Finance Company's car loan also needs to bear regulatory fees, fleet management fees, and warranty renewal deposits. Another option is credit card car loans. Credit card installment car loans only provide installment payments to bank credit card users. It can be applied for any conditions, and there is an audit procedure. It is difficult for credit card users with bad credit records to apply. The specific steps for credit card installment car purchase are roughly as follows: 1. The cardholder (or applicant) calls the bank's credit card center or goes to a local bank to find out whether he or she can apply for a credit card car loan. 2. The cardholder goes to the dealer with his/her identity document to fill out the car purchase installment order on site, and submits it to the bank's backend for review. 3. When the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures. 4. After the vehicle has a license plate, the cardholder needs to go through the mortgage procedures with the bank and purchase the required types of auto insurance. 5. Finally we can drive the car away smoothly.

3. How many years can a car loan be loaned at most?

Banks can provide up to five years, usually three years. Auto finance companies may be more lenient

4 How many years can a car loan be loaned for?

According to the current car installment loan methods on the market, there are bank mortgage loans, car financial institution loans and credit card installment loans. The term is generally 1 year. , 2 years, 30 months, 3 years, 4 years and 5 years are all available, and the longest is no more than 5 years. Car buyers can reasonably determine the period based on their own funds.

The car loan period mainly depends on the following points:

1. Repayment pressure. If you don’t have much money on hand now and the monthly repayment pressure is high, you can extend the time appropriately;

2. The value of the vehicle depends on whether the vehicle purchased is a relatively value-preserving brand. If it is BYD, MG, Roewe, Skoda, etc., the maximum loan period is 3 years. For other domestic brands, it is only 3 years. For imported cars, . Joint venture cars generally depend on personal needs. If the price is higher, the term can be extended;

3. Car loan interest rate, because there are several different ways to apply for a car loan, and the corresponding interest and handling fees are different. Same, the deadline can be determined after comparison.