1. Generally, the loan will be successful as long as the bank calls to inform that it has passed the preliminary examination. After the car is picked up and paid, the bank can lend to the 4S shop.
2. The "three principles" of car loan refer to safety, liquidity and efficiency, and are the fundamental principles of loan operation of commercial banks. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1) loan security is the primary problem faced by commercial banks;
2) Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3) Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.
2. What does it mean that ICBC's car loan passed the preliminary examination?
Generally, as long as the bank calls the preliminary examination, the problem is not big. After the car payment is completed, the bank can lend to the 4S shop.
3. What does it mean for ICBC's auto loan to pass the preliminary examination?
ICBC's car loan interest rate is 6%, which means no interest and no charge.
1. The billing date of ICBC credit card is 1.
The repayment date of ICBC's credit card is 25th. Credit cards have an interest-free period: the current month's consumption can be returned before the 25th of next month. For example, if you spend money in 500 yuan in March 1, it will be interest-free on April 25th. The longest interest-free period is 55 days. I bought it in 800 yuan on March 3 1 and returned it before April 25. The shortest interest-free period is 25 days.
2. So, whatever you bought on September 29th will be fine until June 25th 10.
The 5,000 yuan you spent on June 5, 65438/kloc-0 has passed the billing date (June 30, 65438), so the repayment date of this consumption is before October 25/kloc-0.
4. What does it mean in the examination and approval of business license?
It just hasn't been approved yet. Any unit or individual that opens a company or shop must report to the Administration for Industry and Commerce for approval. The Administration for Industry and Commerce will inspect the location of the company to find out whether the surrounding environment and company conditions will adversely affect the surrounding areas. If it meets the requirements for business opening, it shall be notified for rectification. Those who meet the requirements will be issued a business license to start business. Therefore, the business license is still under review, but it has not passed.