The loan is not fixed. According to the regulations of the central bank, the benchmark interest rate of car loans is basically around 6%, but financial institutions can float within a certain range of the benchmark interest rate. The term of auto loans in major banks is generally less than five years, and the interest rate of auto loans directly determines people's loan costs, thus becoming an important factor in determining whether people should lend. The loan interest rates of various banks are generally as follows: 1. Bank of China: its loan term is one year and the loan interest rate is 4%; 2 years, 8%; Three years, 12%. 2. China Construction Bank: 1-3 years (including 3 years), 5.3 1% years; 3-5 years (inclusive), 5.4% years. 3. ICBC: within 6 months (including 6 months), the car loan interest rate is 5.60%; The car loan interest rate from 6 months to 1 year (including 1 year) is 6.00%; 1-3 years (including 3 years), 6. 15% years; 3-5 years (including 5 years), 6.40% years; More than 5 years, 6.55% years. The higher the loan principal, the longer the repayment time and the higher the interest. The car loan interest rate is not static. There are many factors that affect the interest rate of car loan. The loan interest rate is adjusted by the lending institution according to the benchmark interest rate of the central bank. The accurate loan interest rate will also be influenced by personal credit information, lending institutions and borrowers themselves. Million car purchase subsidy

Second, how much down payment does it take to buy a car by mortgage? How much is the half interest?

Generally, the down payment is your choice, with a minimum of 30%, 1-5 years. The interest is calculated according to the national benchmark interest rate, but the bank will raise the interest rate according to your situation. Generally, you need to lend 4 yuan to the guarantee company. Specifically, you, you make a loan plan.

3. What is the real interest rate of car loan?

There is no hard and fast regulation on car loan interest rate. Under normal circumstances, the car loan interest rates of various banks are adjusted to a certain extent on the basis of the benchmark interest rate. The car loan interest rates of other lending institutions are also adjusted to a certain extent with reference to the benchmark interest rate. Usually the adjustment range is 10%-20%.

At the same time, the interest of bank loans is related to the bank policy and your personal qualifications (such as your punch card salary, social security or provident fund, working years of this unit, credit liabilities, etc.). ). The better the general qualification, the lower the interest on bank loans.

The loan to buy a car must also meet the following conditions:

(1) The car buyer must be at least 18 years old and a citizen of China with full civil capacity.

(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.

(3) During the loan application period, the car buyer shall deposit no less than the down payment stipulated by the bank in the account of the bank savings counter.

(4) Providing banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.

(5) Car buyers are willing to accept other conditions deemed necessary by the bank.

4. How normal is the auto mortgage interest rate?

The interest rate of car loan is usually between 5%- 12%, and the interest rate of loan for one year is between 3%-6%, which means that the loan is 50,000 yuan, and the annual interest is about1500-3,000 yuan. (Look at the three banks below)

1. Industry and commerce (check the transaction price | entry | preferential policies) Bank: the car loan interest rate within 6 months (including 6 months) is 5.60%; The car loan interest rate from 6 months to 1 year (including 1 year) is 6.00%; 1-3 years (including 3 years), 6. 15% years; 3-5 years (including 5 years), 6.40% years; More than 5 years, 6.55% years.

2. Bank of China: loan term 1 year, loan interest rate of 4%; 2 years, 8%; 3 years, 12%.

3. China Construction Bank: 1-3 years (including 3 years), 5.3 1% years; 3-5 years (inclusive), 5.4% years.