1, Bank of China "Car Loan Link"
China will provide up to 80% car loans for domestic cars and 70% car prices for imported cars. There are three options for the installment period: 12, 24 and 36. For different models, the installment fee rate set by BOC is also different. 12, 24, and 36, the minimum and lower limits of the car purchase fee rate are 4%, 7%, and 10% respectively. In addition, some models can be exempted from the first-year handling fee.
It is worth mentioning that the "Car Loan Link" business of Bank of China also arranges an interest-free period for the monthly repayment plan according to the characteristics of credit cards, which can last for 50 to 56 days at the longest. When car buyers encounter pressure in repayment, they can use the interest-free period to postpone the repayment plan.
?
The installment payment of ICBC Peony Credit Card has many advantages: the installment fee is more favorable than that of peers; 30% down payment for car purchase, with a maximum of 6,543.8+0,000 yuan; Independently choose the loan term 1-3 years; Automobile dealers with extensive cooperation; No occupational restrictions, no household registration restrictions; No need to mortgage the property; Free of guarantee fee, deposit and management fee.
Peony card car installment payment procedures are simple and the cost is low. First of all, it provides one-stop service, and the whole business can be completed within 3-5 working days. Second, repayment can be made through any branch of ICBC. Telephone banking and online banking are more convenient for transfer and remittance. Third, according to your own repayment ability, you can choose different repayment periods, from the shortest one year (12) to the longest three years (36). Fourth, when you choose ICBC Peony Card installment payment service, you can also enjoy preferential rates.
Your statement contains the monthly repayment amount of the car purchased by China Construction Bank Longka in installments. You only need to repay according to the amount listed in the statement, and the repayment method is the same as general consumption. Business rules:
(1) China Construction Bank provides installment payment service for 12 (one year) and 24 (two years) car purchases.
(2) The installment amount range of car purchase is 200,000-200,000 (according to different models, the installment amount range is different. For details, please click on the "Cooperative Vehicle" column or consult). The Construction Bank will decide whether the approval is passed and the amount of approval according to the cardholder's credit record and consumption behavior.
(3) The down payment ratio shall be at least 30% of the online car price (different models have different down payment ratios, please click on the "cooperative models" column or consult for details), and the down payment shall be made by cash or debit card.
(4) Cardholder's handling fee = installment amount × cardholder's handling fee rate (handling fee is included in the first month's bill after installment purchase).
(5) The cardholder needs to insure the whole vehicle theft and emergency rescue and vehicle loss insurance when buying a car by installment. The insurance period is consistent with the installment period, and the first beneficiary of the insurance is the owner himself.
(6) If the installment amount cannot be divisible by the number of repayment periods, the system will automatically round off the repayment amount of each period.
Introduction of buying cars by stages in Longka
4. China Merchants Bank's "Easy Car Purchase"
"Easy car purchase" means that China Merchants Bank will increase the installment quota of credit cards according to the credit status of credit card holders, so as to meet the needs of cardholders to purchase designated brand cars in installments at designated dealers. The cardholder can repay the car payment in monthly installments only by bearing a certain handling fee, which fully reduces the repayment pressure. Business rules:
1. The total installment payment for car purchase business ranges from 30,000 yuan to 200,000 yuan (please consult the local dealer for details according to different models). Cardholders can arbitrarily choose the total installment amount (which must be an integer multiple of 5,000) within their installment amount (determined by credit card amount, credit status and credit card usage).
2. The minimum down payment ratio for car purchase is 30% of the car purchase price (the down payment ratio will be different according to different models, please consult for details), and the down payment amount must be paid by non-China Merchants Bank credit card.
3. Car purchase service provides 12 installment (monthly payment) and 24 installment (monthly payment) payment services. 12 The handling fee rate for installment payment is (month), the installment period is 7%, and the total handling fee = the total installment payment × handling fee rate (the handling fee is included in the first installment bill after the installment purchase).
4. To participate in the car purchase business, you must take out three kinds of insurance: 1, theft and emergency rescue (full car price insurance); 2. Third party liability insurance (not less than 200,000 yuan); 3. Car damage insurance (insured amount ×80%= installment amount), and the number of insurance periods cannot be less than the number of installments.
5. The first beneficiary of insurance is the Credit Card Center of China Merchants Bank Co., Ltd. When the insurance compensation amount is not higher than 5,000 yuan, the insurance company can directly pay the cardholder without the authorization of China Merchants Bank.
6. If the total installment amount cannot be divisible by the number of repayment periods, our system will automatically round off and split the repayment amount of each installment, and the total repayment amount will remain unchanged.
7. The specific purchase price of the vehicle shall be directly negotiated and determined by the cardholder at the designated dealer's store according to the normal car purchase process.
Cooperation mode of China Merchants Bank's credit card auto loan
5. Minsheng Bank "Car Purchase Link"
Minsheng Bank's "car loan" car loan is a phased car purchase service provided by Minsheng Bank to credit card holders. Convenient car loans can help cardholders save a lot of trouble.
The total amount of installment payment for car purchase service ranges from 20,000 yuan to 600,000 yuan, and the minimum down payment ratio is 30% of the car purchase price, providing 65,438+02 (monthly) and 24 (monthly) installment payment services. Cardholders choose the appropriate car loan scheme according to their actual situation.
6. Bank of Ningbo's "Love Home Staging"
Bank of Ningbo's credit card installment business for some automobile brands-Bank of Ningbo Ai Jia installment payment. According to reports, consumers who buy cars through Bank of Ningbo credit card installment business do not need to pay interest, as long as they pay a certain handling fee on schedule.
Details of "Love Home Installment" handling fees: The handling fees for the 6th installment, 12 installment, 18 installment, 24th installment, 30th installment and 36th installment are,,, respectively. Attention to consumers: Bank of Ningbo Love Home Staging is only for cardholders, and only those who hold senior positions in Fortune 500 enterprises can handle it.
7. Guangfa Bank Credit Card Auto Loan
Buying a car by credit card of Guangfa Bank is a credit card installment business of Guangfa Bank. The most obvious advantage of Guangdong Development Bank in buying a car by credit card is its low cost, and credit card installment has great advantages.
The credit limit that the cardholder can apply for is 200,000-200,000; There are three stages: 12 months, 24 months and 36 months. Credit installment car loan has no expected annualized interest rate, and Guangfa Bank only charges a handling fee, and the handling fee rate is different in different installments.
8. Bank of Communications "e-car loan"
The "e-car loan" product of Bank of Communications credit card is optimized according to the needs of car buyers. Car buyers can apply for a loan line from the bank in advance when choosing the target model, and the bank will give the car buyers an available credit line within a certain period after approval. After signing the car purchase contract, the car buyer can provide loans in real time and pick up the car at the 4S shop designated by the Bank of Communications. The car purchase procedure is exactly the same as the full purchase, so there is no need to wait.
Competition of Eight Credit Cards for Auto Loan by Stages
The front is a detailed introduction to the credit card car loans of the eight major banks. You may not be able to accurately judge the advantages and disadvantages of these credit card car loans. I believe everyone will be clear at a glance through the comparison of the following data.
1, ratio comparison
Except that China Merchants Bank and Bank of Ningbo have clearly stipulated the installment number and handling fee rate, the installment number, handling fee and expected annualized interest rate of other banks need to be determined according to the vehicle type.
2. Data comparison
Which bank handles car credit cards?
1. Ping An Owner's Credit Card This credit card is a gold card. Cardholders can enjoy a 28% discount on daily refueling, and enjoy refueling discounts at nearly 8,000 gas stations across the country, returning as high as 960 yuan every year. This right is a real money saver for car owners who can't afford to pay for gas. In addition, 65,438+065,438+100,000 yuan of vehicle personnel protection and national free road rescue, as long as you complete the first brush, you will get a free gift. The annual fee of the card is 200 yuan/year, and the annual fee for the following year can be reduced if the consumption reaches 30,000 yuan.
Second, CCB Longka Auto Credit Card
It is difficult to apply for this license, and the vehicle production standards are strict. You need a vehicle displacement of 1.0L and above, 7 seats and below, and the vehicle age is not more than 8 years before you can apply for a Longka automobile credit card. The cardholder has the following rights and interests: double oil change, car wash discount 15 yuan, car insurance purchase discount, free road rescue, car rental courtesy, etc. In addition, the annual fee of this card is 200 yuan/year, and the annual fee cannot be reduced.
Three. Guangfa yezhu credit card
The owner's credit card has two grades: ordinary card and gold card. Applicants can choose to handle it according to their own consumption needs and repayment ability. As the owner's credit card customized by Guangfa Bank for private car owners, the cardholder can enjoy nationwide free road rescue service100km, 5 times points for refueling by swiping the card or 1% cash return discount, and new customers can also enjoy 2% refueling fee before the end of 20 17.
Fourth, China Merchants Bank car card.
China Merchants Bank can get 3% cash back when it refuels at the designated gas station of PetroChina or Sinopec. If it refuels on Friday, the discount can be increased to 5%. In addition, the annual fee reduction standard of the card is relatively loose. As long as you spend 6 times, you don't have to bear the annual fee. As long as the owner remembers to refuel with the CMB car card, he can easily save 300 yuan.
Verb (abbreviation of verb) Minsheng automobile card
Minsheng Bank has two kinds of car cards: gold card and platinum card. Anyone who meets the conditions of swiping the card will have the opportunity to get the refueling money, swiping the card every month and getting it every month. Refueling at national gas stations and returning, the highest monthly 500 yuan. There are also 1 yuan car wash, 1 yuan parking, 15% auto insurance, 24-hour road rescue and other services.
The owner's credit cards launched by the above five banks have their own advantages, so owners can compare and choose the one that suits them best. For example, Ping An Bank saves the most money by refueling, and CCB has rich rights and interests in automobiles.
How to deal with the credit card after it is returned in installments;
Step 1: Go to the bank to apply for a car registration certificate.
Customers hold their ID cards and motor vehicle driving licenses to the bank outlets that handle auto loans or the nearest local bank outlets, fill in relevant materials, and go through the formalities of obtaining auto registration certificates. Because it takes two or three working days for the bank to issue the car registration certificate, the customer will go home and wait for the bank's notice when completing the formalities.
Step 2: Go to dmv for custody procedures.
After receiving the notice that the bank can get the automobile registration certificate, the customer goes to the bank outlet to get the automobile registration certificate. Then, bring your ID card, driving license, car registration certificate and other related materials, and go to the vehicle management office with the bank staff to understand the charging procedures.
Step 3: Change the beneficiary of auto insurance.
During the mortgage period, the first beneficiary of the car insurance purchased by the customer is the bank. Therefore, if this year's auto insurance has not expired after paying off the credit card installment payment, you must bring the "loan repayment certificate" issued by the bank to the insurance company to change the first beneficiary of auto insurance and change the beneficiary of auto insurance to yourself.
Many customers often forget or ignore the "third step", which will bring trouble to future claims. Because there is no change, the first beneficiary of auto insurance is the bank, and the claim after the car accident is paid to the bank. It takes a lot of time and energy for customers to retrieve their creditor's rights from banks. Therefore, in order to avoid trouble, don't forget the step of "changing the beneficiary of auto insurance".
Which is the owner's credit card? Bank boss's credit card!
Nowadays, more and more people buy cars. It is easier to buy a car than to keep it. After buying a car, they have to face a lot of car maintenance, which is not only troublesome but also expensive. However, if you have an owner's credit card, you can not only help when you need money badly, but also enjoy the relevant rights and interests of the owner's card, which can be said to be quite cost-effective. So which bank is better for the car hosting card? Let me introduce you.
1, China Merchants Bank Auto Credit Card
CarCard automobile credit card of China Merchants Bank is a gold card set specially designed for car owners, which is divided into two parts: standard large card and special-shaped small card. The annual fee is 300 yuan/year, but most of China Merchants Bank are exempt from the annual fee in the first year, and the annual fee can be waived after swiping the card six times in the following year.
China Merchants Bank CARCARCARD Auto Credit Card can enjoy cashback activities, with 3% cashback on working days and 5% cashback on Friday, and 50% points can be given according to the existing points rules!
2. CCB Longka Automobile Card
Of course, CCB also has a car card. CCB's Dragon Card has two versions: MasterCard and VISA. The annual fee for the gold card is 200 yuan/year, and the annual fee for the supplementary card is 65,438+000 yuan/year, both of which are exempt from the annual fee for the first year, and the annual fee for the next year can be exempted if you swipe your card three times.
CCB Longka Car Card provides points exchange for fuel fee, free road rescue and preferential car wash service. If it is a platinum card, the car wash fee below 40 yuan is completely free, and the part above 40 can be paid with points.
3. Safety owner card
I believe many people know the owner card of Ping An Bank very well. It's a gold card, and there are also MasterCard and UnionPay versions. The annual fee for the first year is 200 yuan, and the annual fee for the next year can be waived if the credit card is over 30,000 yuan.
Ping 'an car owner card can enjoy 28% discount on refueling, full-vehicle personnel protection, national free road rescue and free insurance. Safe insurance is also a big advantage.
4. CITIC standard car owner card
The owner card of CITIC Bank has two grades: gold card and platinum card. The annual fee of gold card is 200 yuan/year, platinum card is 480 yuan/year, and senior platinum card is 2000 yuan/year. Platinum card annual fee is a rigid annual fee, and there is no annual fee-free policy. New gold card users can be exempted from the annual fee for the first year, and the annual fee for the next year can be exempted if they swipe their cards five times.
Citic standard car owners can get 8% cash back reward when they use gold card to refuel, including elite platinum card 10% and distinguished platinum card15%; There are also unlimited road rescue services, car washing activities in 0 yuan and parking at 1 yuan airport.
5. Guangfa Owner Card
Guangfa owner card also has many versions. The annual fee for single-currency ordinary card is 40 yuan, the annual fee for single-currency gold card is 80 yuan, the annual fee for dual-currency ordinary card is 90 yuan, and the annual fee for dual-currency gold card is 260 yuan. The first year is free of annual fee, and the second year is free of annual fee for swiping the card six times.
Refueling up to 360 yuan cash back or 5 times points, as well as free road rescue, free high accident insurance and new customers to send fuel cards and other activities.
6. Minsheng Auto Credit Card
There are three types of car credit cards for Minsheng: gold card, platinum card and luxury platinum card, which are somewhat similar to CITIC's credit cards. The annual gold card fee is 300 yuan, free in the first year, and free in the second year if you swipe your card 5 times; The annual fee of standard platinum is 600, free in the first year, and free in the second year 18 or 50,000 times; Luxury platinum 3600 yuan/year.
Here, I introduce the ordinary owner cards of six banks. Of course, there are not only these car owners' cards, but also Huaxia Credit Card of Huaxia Bank, Car Plus Credit Card of ICBC and BOC Great Wall Global Car Card. , all of which can enjoy related rights and interests. Go apply for one!
Which bank is easy to buy a car with a credit card? These banks are easy to apply for.
Buying a car by installment with a credit card has become the main way for people to buy a car now. People can effectively reduce their financial burden by buying cars in installments with credit cards, so the installment business of banks has also become the object of discussion. So, which bank is easy to buy a car by credit card? Today, I will introduce some banks with relatively simple conditions for buying cars by stages.
I. China Construction Bank
CCB's credit card installment payment business is the first choice for many people to buy cars by installment. According to most netizens, CCB's credit card installment business is the easiest to handle, so they all choose CCB to handle installment business when buying a car.
The credit card installment business of China Construction Bank can be handled as long as you have the credit card of China Construction Bank. The treatment conditions are very simple. Unlike ICBC and ABC, it requires the applicant's credit and income, as well as his financial level.
For Industrial and Commercial Bank of China and Agricultural Bank of China, if you don't have local real estate, you can't handle the car installment business of these two banks, so if you are just an ordinary office worker, it is better to suggest that you go to China Construction Bank to handle the car installment business.
Second, China Merchants Bank.
China Merchants Bank's credit card installment car purchase business is also very good to apply for, and the processing conditions are very "close to the people" and can be handled by social security.
Although China Merchants Bank's credit card installment business fees are higher than those of Agricultural Bank and China Bank, we should also note that although the fees of Agricultural Bank and China Bank are low, their application conditions are also very high. For example, the Agricultural Bank requires applicants to own real estate, while the Bank of China requires at least the guarantor to own real estate. Compared with these two banks, China Merchants Bank can use social security, and the conditions can be said to be very simple.
Three. Shanghai Pudong Development Bank
Shanghai Pudong Development Bank, like China Construction Bank and China Merchants Bank, is one of the banks that can easily handle automobile installment payment by credit card. Although the car installment business of Shanghai Pudong Development Bank is satisfactory, if your own economic conditions are not particularly good, you can choose Shanghai Pudong Development Bank to avoid applying for car installment business of other banks for your own financial and economic reasons.
Generally speaking, as long as your personal credit is good and you have a stable source of work income, it is no problem to handle the installment car purchase business of Shanghai Pudong Development Bank's credit card. Shanghai Pudong Development Bank has low requirements for the applicant's assets and financial resources.
The above is a summary of three banks with relatively simple credit card installment purchase conditions. Like some ordinary office workers, if friends who have not bought a house for the time being want to buy a car, they can choose these three banks to buy a car by stages.
Which bank is the most cost-effective to buy a car by credit card installment? Don't miss these banks.
With the popularity of private cars, the group of car owners is gradually expanding, and many people often can't pay in one lump sum when buying a car for economic reasons, so many people will choose to go to the bank to handle the credit card installment car purchase business. So, which bank is the most cost-effective to buy a car with a credit card? Today, I will introduce you to which banks you can choose if you buy a car by credit card installment.
I. Industrial and Commercial Bank of China
China Industrial and Commercial Bank has always been the leader of the banking industry, and it is also the first choice for many people to handle banking business. For example, if you buy a car with a credit card, the credit card installment quota of ICBC is as high as 654.38+0.5 million, while the installment business quota of CCB and China Merchants Bank is only about 500,000 to 700,000, so if you want to buy a good car, it is worthwhile to go to ICBC, and the handling fee of ICBC is also very favorable.
The second is the Agricultural Bank.
Many people say that if you want to buy a car by credit card, you have to mention the Agricultural Bank. This is mainly because the credit card of Agricultural Bank of China has zero interest, and the handling fee is extremely low, which is very affordable. We should know that the handling fee rate of credit card installment purchase of Agricultural Bank of China is the lowest among all banks.
For example, the installment fee rates of Agricultural Bank 12, 24 and 36 are much lower than those of China Merchants Bank 12, 24 and 36. So if you don't want to have too much financial burden, you can choose the Agricultural Bank.
3. Bank of China
Bank of China, like Agricultural Bank of China, has the advantage of buying cars by installment, because its credit card purchase fee rate is low, ranking first and second among banks.
For example, you want to buy a 300,000 car. Then it will be divided into 36 installments, so if you buy it with a credit card from China Bank, the handling fee for three years will be 365,438+0.500 yuan, while if you buy it with a credit card from China Merchants Bank, the handling fee for three years will be 43 yuan, which will be 65,438+0.200 yuan more. Therefore, it is quite cost-effective to buy a car by stages in China Bank.
Like the above three banks, they are the first choice for people to buy cars by credit card installment. Agricultural Bank of China, Bank of China and Industrial and Commercial Bank of China are very cost-effective, because the handling fees of these three banks are quite low, which will not cause too much pressure on people. So if you value the handling fee very much, you can apply for the credit card installment car purchase business of these three banks.
Credit card car loan which bank to choose to buy a car in installments is good, and the handling fee should be calculated.
The threshold of bank loans is high and the review time is relatively long. Relatively speaking, credit card car loans will be faster, so many banks' car installment business is sought after by card friends. So which bank should I choose for credit card car loan? This inevitably becomes a difficult problem for card friends.
ABC and ICBC have low rates and high thresholds.
As one of the four major state-owned banks, the interest rates of credit card auto loans of Agricultural Bank of China and ICBC are relatively low:
1, Agricultural Bank of China: 12, 24 and 36, Industrial and Commercial Bank of China: Taking Guangzhou Branch as an example, there are two different rate schemes according to the application conditions of real estate. If the applicant has real estate, the handling fee rates for the first 12, 24th and 36th periods are respectively; if there is no real estate, the handling fee rates are 5%, 8% and 1 1% respectively.
In addition, the handling fee of China Bank is relatively low, and the handling rates of 12, 24 and 36 are 4%, 8% and 12% respectively, which is lower than that of ICBC Guangzhou Branch.
Reminder: Although the above-mentioned bank credit card car loan interest rate is low, the application threshold is high. For example, in Guangzhou, ABC requires applicants or their immediate family members to own real estate in Guangzhou or surrounding cities, and they also need real estate to obtain ICBC's low-interest credit card installment plan.
China Construction Bank and China Merchants Bank have low thresholds and moderate rates.
Although there is no absolute advantage in credit card auto loan interest rate, it is still moderate:
1, China Construction Bank: There is a discount for cooperative car dealers, which is far lower than the car loan interest rate in the same period.
2. China Merchants Bank: 12, 24, 36 respectively, and reminded that the credit card car loan requires the cardholder to pay a certain percentage of the down payment of the vehicle, and the credit card limit cannot be used. The bank has preferential activities for different models. The larger the loan amount and the longer the term, the higher the handling fee.
Summary: the key to choosing a good bank for credit card car loan is to shop around. Each bank has different car brands for car installment loans, and the preferential activities are also very different. Cardholders should consult relevant personnel, compare and calculate the handling fee.
This concludes the introduction of which bank's credit card is used to buy a car and which bank's car credit card. I wonder if you have found the information you need?