You can use the mobile phone reserved by the bank to edit the short message and send "last 4 digits of CCZD# card number" or "last 4 digits of 311# card number" to 95533, so you can check the billing date and repayment date.
Car loan refers to the loan granted by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio between the loan amount and the principal that the bank gives to consumers, that is, borrowers, to buy cars for their own use (non-profit-making family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.
benchmark interest rate
according to the regulations of the central bank, the benchmark interest rate for auto loans is implemented, but financial institutions can fluctuate within a certain range above and below 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 the cost of people's loans, which has become an important factor in determining whether people make loans or not.
how to calculate the interest rate of car loan
the formula for calculating the monthly car loan payment is: a = p (1+I) [(1+I) n-1]/n 2/I
a: monthly contribution
P: total contribution
i: monthly interest rate (annual interest/.
The latest bank loan interest rate in p>213: the benchmark will rise by 1%-15%
Personal car loan business can be divided into three types: direct car loan, indirect car loan and credit card car loan. The direct customer type is generally a bank car loan for customers to meet directly for loans, and the indirect customer type is generally a car loan for auto finance companies to transfer customers' car loans.
For direct bank car loans, the fees are deposit, principal and interest, 3% guarantee fee, etc., and the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.
In addition to paying the above fees, the car loan of an individual car finance company also needs to bear the supervision fee, fleet management fee and warranty renewal deposit
There is also a credit card car loan. The credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is also an audit procedure, so it is difficult for credit card users with bad credit records to handle it.