Yes
1. The financing purposes of financial leasing and flexible loans are similar, but the financing methods and forms are different. In terms of credit, flexible loan is bank credit, and lease is lease credit. The two are different in nature. Flexible loans are direct financing, and financial leasing is financing in the form of financing.
2. Financing lease is 100% financing, while flexible loan is incomplete financing. Banks usually require borrowers to guarantee or mortgage, and often underestimate the value of collateral. However, if the leased project needs mortgage, the value of the collateral is often estimated to be higher than that of the bank.
3. The repayment method of financial leasing is more flexible than flexible loans, and the repayment pressure is less. The rent of financial leasing is generally paid monthly or quarterly, while the repayment of flexible loans is usually one-off, so the repayment pressure of financial leasing is less.
4. The term of financial lease is usually longer than that of flexible loan.
What are the BMW car loan plans?
I. Standard flexible loans
The product covers the whole vehicle, the down payment ratio is 20%~50%, the loan period is 36 months, and 40% of the final payment is paid at the end of the loan period, thus reducing the pressure of monthly payment. At the end of the loan period, you can also choose the following schemes according to your own wishes:
1. Pay the balance in one lump sum.
2. Extend the flexible balance to the loan term and continue to enjoy the loan service.
Second, standard loans.
The product covers the whole vehicle, with the down payment ratio of 20% (from new energy vehicle 15%), the loan period of 12, 24, 36, 48 or 60 months, and equal monthly repayment, so as to enjoy driving pleasure in advance.
Third, the official certification of used car loans
BMW officially certifies the standard financial plan for used cars: the down payment starts from 30%, and the repayment period is 12, 24 and 36 months;
BMW officially certified flexible loan financing scheme for used cars: down payment of 30%-60%, optional repayment period of 24 or 36 months, and flexible final payment of 20%-33%;
BMW officially certified the second-hand car leisure loan financial scheme: 30%-50% down payment, 65,438+03%-20% of the loan amount, and the loan period is 24 or 36 months.
BMW officially certifies the second-hand car financial scheme: the down payment starts from 30%, the loan period is 24 or 36 months, and the monthly payment can be reduced year by year.
Fourth, the financial plan of Yuedai
The elastic balance of 0%~30% can reduce the pressure of monthly supply. The down payment ratio starts from 20% (new energy vehicle 15%), and the repayment period 12, 24 or 36 months is optional. The balance can be paid off at the end of the period, or it can be extended to optimize the use of funds and enjoy a new future. From now on, your trip to Yueyue will be easier and easier! (The specific down payment ratio, loan term, and flexible final payment ratio vary with the model. )
Verb (abbreviation of verb) Easy loan financial plan
Share the pressure of one-time repayment at the end of the period and enjoy a lower monthly payment. The annual repayment ratio is 13%~20% of the loan amount, and the down payment ratio starts from 20% (from new energy vehicle 15%), and the loan period is 36 or 48 months. Help you to operate funds flexibly and optimize the use of cash. (The specific down payment ratio, loan term and annual repayment ratio vary according to different models. )
Intransitive verb standard Zhixiang loan
The product covers the whole vehicle with a down payment of 20% and a loan period of 24 months. The monthly payment is decreasing year by year, so plan your possible expenses in advance to ease the pressure in the future.
What is a flexible loan?
Flexible loans generally refer to flexible automobile consumption loans. The so-called flexible automobile consumption loan refers to the way that the owner pays a certain proportion of the down payment first, and the rest of the balance does not need the consumer to pay the loan principal during the loan period, but only needs to pay the interest every month and pay the balance in one lump sum when it expires.
Flexible automobile consumption loan is a flexible, efficient and convenient new loan method in the field of automobile consumption. This loan method has low down payment, reduced monthly payment and more flexible repayment method after the final payment is reserved, which is suitable for young people who pursue fashion; The loan interest rate of flexible automobile consumption loans is generally high.
Flexible automobile consumption loans are generally launched by auto financing companies, and few banks handle this business.
Extended data:
Product advantage
1. The flexible repayment method of automobile consumption loan reduces the monthly payment, and there are more choices when the loan contract expires:
Scheme 1: Settle the elastic balance in one lump sum to obtain complete automobile ownership;
Option 2: Extend the flexible balance and apply for a second loan;
Option 3: With the help of car dealers, replace new cars with used cars.
2, the lower monthly payment can realize car purchase as soon as possible, have more choices and enjoy more fashionable models;
3. Improve the liquidity of assets and enjoy greater living space;
4. Simple and quick application method;
5. The total loan period can be up to 5 years.