For example, you have 1 10,000 in the bank. The state stipulates that the bank deposit reserve ratio is 20%, so banks must deposit 200,000 yuan as deposit reserve in the People's Bank of China. Can't be used for lending or other income. The maximum amount of bank loans is 800,000 pounds.

The loan-to-deposit ratio is the ratio of deposits to loans.

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1. What is the process of buying a car with a loan?

1. Lead customers to choose cars at the bank's special dealers and sign car purchase agreements or contracts;

2. The borrower applies to the loan bank for personal automobile mortgage;

3. Sign the contract with the consent of the investigation;

4. Go through the formalities of notarization and mortgage of automobiles;

5. Lenders (banks) handle loans;

6. After the loan is paid off, the lender (bank) cancels the pledge certificate and returns it to the customer.

2. What are the loan information for buying a car?

1, the original ID card, residence booklet or other valid proof of residence, and provide its copy;

2. Proof of occupation and economic income;

3 car purchase agreement, contract or letter of intent signed with the dealer;

4. Other documents required by the Cooperation Organization.

3. What is the most cost-effective way to buy a car with a loan?

1, credit card loan to buy a car

The advantages of buying a car with a credit card loan are fast, simple and low threshold. Credit card loan procedures are relatively simple, and the audit is much lower than that of banks. Many credit card products have an interest-free period, so car buyers will repay their monthly bills in full and on time, so there is no need to pay interest. However, it should be reminded at this time that the interest-free period and the handling fee are two different charges. When handling the installment, although the bank does not charge interest, it will charge a certain fee. The handling fee varies according to the number of bills, and the interest rates and collection methods of banks are also different.

2. Bank loans to buy a car

The minimum down payment of bank loans can be reduced to 20%, so it is called the choice of prospective car owners who buy cars with loans. In addition, banks can apply for large loans with low interest rates and long repayment period. The most important point is that banks can handle car loans without the restrictions of car models and car dealers, which greatly increases the choice of car buyers. There are many benefits, but it is not so easy to approve. Not to mention the need to prepare a lot of materials, and the most terrible thing is that after you spend most of your time going through the process, the bank tells you, "I'm sorry, you don't meet the requirements."

3. Auto financing company loans to buy a car

Not all auto brands have their own auto financing companies. There are no more than fifteen auto financing companies in China. For example, Dongfeng Nissan. The biggest advantage of auto financing companies is that they don't need to provide any guarantee from car buyers, as long as they have a fixed occupation and residence, stable income and repayment ability, and good personal credit. The loan amount is basically the same as that of the bank, and the procedures are relatively simple and the approval speed is fast. At the same time, individual auto financing companies have also introduced flexible repayment, and can choose the loan method that suits them according to their own financial situation.