Dalian automobile loan business
1) used car mortgage loan
No car, no transfer, no GPS. The amount is 500,000-500,000. The vehicle evaluation value is 50-70%. No.2 loan.
2. Does Dalian have a zero down payment loan to buy a car? What are the procedures for buying a car with a loan?
The procedures for handling personal automobile consumption loans are as follows:
Customers go to CCB's business outlets for consultation, and the outlets recommend the special dealers who signed the Automobile Consumption Loan Cooperation Agreement with CCB;
Go to the dealer to choose the car to buy and sign a car purchase contract or agreement with the dealer;
Collect at CCB outlets:
① Individual: loan application; Valid identity documents; Proof of occupation and income and basic information of family; Car purchase contract or agreement; Certificates or documents required for guarantee.
Legal person: loan application or business legal person license; The legal representative and his supporting documents; A loan certificate issued by the People's Bank of China; The financial report of the previous year audited by accounting, the list of collateral in the balance sheet of the previous month, and the proof that the collateral has the right to dispose of the collateral. Collateral must also provide the ownership or right to use the property, as well as the guarantor's consent to guarantee documents; loan
The borrower shall be responsible for the authenticity of the materials provided.
CCB will investigate the acceptance of the loan application, and if the loan application fails to meet the payment conditions within 15 working days after acceptance, CCB will put forward specific opinions such as loan amount, term and interest rate, notify the borrower to handle the loan guarantee formalities in time, and sign the Automobile Consumption Loan Contract.
The borrower shall take out collateral insurance with the insurance company designated by China Construction Bank in advance, and indicate in the insurance policy that the first beneficiary is China Construction Bank, and the insurance period shall not be shorter than the loan period.
China Construction Bank issued a notice of automobile consumption loan to the dealer, and the borrower paid the dealer the down payment for car purchase at the same time.
After receiving the notice of automobile consumption loan and the receipt voucher, the dealer shall assist the borrower to pay the fee to the relevant department, obtain the license and other tickets, and submit various payment vouchers to the Construction Bank.
If the borrower takes the purchased car as collateral, its insurance policy, car purchase invoice and other documents shall be kept by the Construction Bank during the loan period. During the contract period, CCB has the right to supervise the credibility and compensation ability of the borrower's income witness, and the borrower and guarantor shall provide assistance.
How much down payment depends on your ability.
Generally, it is more than 30% of the price of bare cars.
moon
General loan to buy a car, paid off within 5 years.
Insurance should at least be compulsory.
Other followers
In addition, insurance for one year will do.
That's my answer.
build
After all, a car is a depreciating commodity.
After the loan, your last car purchase.
And the car has been in use.
Personally, I think it is not worth buying a car with a loan.
Finally, I wish you a happy car purchase.
Drive safely!
Three. Dalian car loan related regulations and operation methods?
Dalian automobile loan business
1) used car mortgage loan
No car, no transfer, no GPS. The amount is 500,000-500,000. The vehicle evaluation value is 50-70%. No.2 loan.
4. What is the latest process of transferring Dalian commercial loans to provident fund?
1. Submit an application for transferring a commercial loan to a provident fund loan at Dalian Provident Fund Center. The materials to be brought include: household registration book, ID card, proof of marital status, house title certificate, real estate appraisal report, original commercial loan contract, repayment balance list stamped with bank seal and other materials and copies.
2. The Provident Fund Center will have relevant staff to help you calculate the loan amount of the Provident Fund and the balance of commercial loans that need to be paid off in one lump sum.
3. Choose the provident fund loan method. One is to provide another set of houses with property rights as collateral for transferring provident fund loans; Second, the borrower applies, and after the approval of the Central Office, the self-raised funds will pay off the excess balance of the original commercial loan relative to the provident fund loan (the specific amount needs to be calculated by the bank), and the original house ownership certificate will be retrieved, and the house will be used as collateral for the provident fund loan. It is generally recommended to choose the second method. However, no matter which of the above methods is adopted, it is necessary to obtain the consent of the commercial loan bank in advance to repay the loan in full, and it can only be handled after approval by the office.
4. Bring the materials required for registration and the preliminary examination form of the provident fund center to the bank that handles the loan, and you can conduct the audit if there is no bad repayment record.
5. With the approval of the bank, and after paying off the balance of commercial loans more than provident fund loans at one time, go to the provident fund center in the area where the house belongs to handle provident fund loans.