Question 1: What is the direct passenger transport mode? Indirect passenger mode "direct passenger mode" means that car buyers first obtain car loans from automobile welfare consumption institutions set up by banks, and then use the money to buy their own satisfactory cars in the automobile market. After choosing the right model, you can pay the down payment to the bank, sign the relevant loan contract, and then you can drive the car home, that is, loan first, then buy a car, but the car buyer can apply for a car loan directly from the bank. Direct car loan process The customer consults with the bank ↓ If there is an intention to buy a car with a loan, submit relevant materials ↓ The bank issues a loan approval notice ↓ The customer buys a car at the dealer ↓ The down payment is paid to pay related expenses ↓ The car purchase contract is signed ↓ The bank is notarized, and the insurance matters are ↓ The customer picks up the car (the bank takes the card). "Indirect car buying mode" means that car buyers buy cars first. After the loan, the car dealer will provide a full guarantee to the car buyer, be responsible for conducting a credit investigation on the car buyer, help him apply for a loan from the bank, and collect the principal and interest of the car payment on behalf of the bank. Car buyers don't need to contact the bank, and dealers handle all matters as an intermediary, and indirectly have a loan relationship with the bank, so it is called "customer to customer". In the process of personal car loan, the customer negotiates with the dealer ↓ The customer decides to buy ↓ The preliminary examination ↓ Exchange opinions with the bank, and the bank allows the loan ↓ Pay the down payment to pay related expenses ↓ Sign a car purchase contract ↓ The dealer acts as a notary insurance agent ↓ The customer picks up the car (the dealer picks up the card for it).

Question 2: What are "direct guest style" and "indirect guest style" mainly include the following points:

1, with different loan methods. Direct customer mode means that the borrower directly submits the application materials for auto loan to the bank and applies for it, while indirect customer mode means that the borrower buys a car at a special auto dealer of the bank, submits the loan application materials and applies for it.

2. The loan fee is different. Direct mail applications usually only generate interest charges. However, indirect guest style usually leads to more expenses and other expenses.

3. Different processing time. Direct passenger service is generally more complicated to handle, requiring a lot of procedures and taking a long time. The room type is generally handled by the staff of the car dealer, which will shorten the processing time.

Question 3: What is the difference between "direct customer" and "indirect customer" car loan? Requirements for bank credit card processing: In most cases, citizens with full capacity for civil conduct (citizens aged 65,438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank; Applicants for credit cards must have a stable job and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

Question 4: Which is appropriate, indirect car purchase installment or direct car purchase installment, depends on whether you have enough money on hand. If you pick up the car in full, you can pay by stages, or you can pay 40% directly and then by stages.

Question 5: What credit card can ICBC apply for car mortgage? Now ICBC handles car mortgage in the form of credit card. No need to apply for a credit card first!

Question 6: Several ways of car loan: Be careful to pay liquidated damages in advance. 1. Bank loans to buy a car used to be the main force in the car loan market. However, due to the frequent occurrence of bad debts and fraudulent loans, except for a few banks, many commercial banks have chosen to withdraw from the field of car loans. Nowadays, with the gradual maturity of the auto loan market, the personal credit system is gradually improved, and the risk controllability of banks is strengthened, many commercial banks have begun to increase their efforts to promote auto loan business. Bank loans to buy a car can be divided into direct passenger and indirect passenger. The direct passenger mode is that the car buyer directly goes to the bank to apply for a loan, and the bank agrees to go to the dealer to buy a car. The intermodal mode means that the borrower can buy a car at the bank's car dealer and submit relevant loan application materials. A car dealer applied for a loan from a bank. After the bank approved it, it signed a loan contract and a guarantee contract, and went through notarization and insurance procedures. The main advantage of bank loan to buy a car is that the interest rate is relatively low, which fluctuates slightly on the basis of the central bank's benchmark interest rate. Moreover, some banks have taken preferential measures such as reducing the down payment ratio, extending the loan term and lowering the loan interest rate according to the credit qualification of customers. However, the disadvantage is that the application procedure is complicated, and the buyer needs to provide a series of proof materials and an effective pledge of rights or a third-party guarantee with compensatory ability recognized by the bank. Second, financial leasing companies With the increasingly optimistic auto loan market, financial leasing companies have also joined in, providing a way to buy a car by renting first or buying while renting. At present, some professional leasing companies have joined hands with dealers and banks to sell cars through financial leasing. That is, the loan is issued by the bank and used by the individual as the lessee. After the loan is paid off, the property right belongs to the individual. At present, the guarantee methods of rent-and-purchase consumption include deposit guarantee, credit rating, property guarantee and mutual guarantee. The installment period can be as long as 10 years, and the monthly repayment pressure of car buyers is very light. The down payment is very low, and some financial leasing companies even offer zero down payment. At the same time, license plate, insurance, purchase tax, car decoration and other car purchase expenses can also be paid in installments. Advantages: 1, low down payment and low monthly payment. Rent and purchase can choose zero down payment, and other car purchase expenses such as license plate, insurance, purchase tax and car decoration can also be paid in installments, which obviously reduces the pressure on car buyers with high monthly income. 2. Once the rent is not paid on time, it can be paid in advance through negotiation, and the car buyer will not face the risk of the vehicle being taken back for disposal. 3. The interest rate is very low. The interest rate of financial leasing is subject to the bank, which is generally the loan interest rate announced by the People's Bank of China. Disadvantages: high total expenditure. Because there is no preferential interest rate of 10%, the total cost of financial leasing may be more than the new car loan products launched by banks. Three. Auto financing company In 2004, auto financing company obtained the right to carry out auto financing business. Subsequently, GM, Ford, Volkswagen and other foreign auto giants set up auto financing companies in China. A few years ago, the banking industry suddenly withdrew from the field of auto loans, which gave auto finance companies broad development space. It is understood that the down payment of auto finance companies is generally 20% ~ 30%, and the loan period does not exceed 5 years. Car buyers can buy from the dealers of their car companies when they choose the models they intend to buy. Advantages: 1, flexible repayment. Auto financing companies generally provide standard credit and flexible credit, which are suitable for different consumer groups. 2. The procedure is simple. In terms of loan conditions, auto finance companies pay more attention to the personal credit of car buyers, taking education, income and work as reference standards, and do not need to pledge like banks, and foreign household registration will not become an obstacle to obtaining loans. Generally speaking, the materials that the lender must provide are: my household registration book, ID card, a copy of the household registration book, and the original proof of residence and income. 3. Loans are issued faster, usually within a few hours to a few days. Disadvantages: 1, high loan interest rate. 2. If the consumer repays the loan in advance, it is necessary to pay liquidated damages.

Question 7: I don't talk about the color of cars. For car owners, these models are all metallic paints with hard paint surfaces. At present, some models are yellow-red, some are ordinary paint, and some are white. No matter what model, white is definitely ordinary paint, because the paint does not contain metal particles, so the paint surface is soft!

These colors have their own advantages and disadvantages. Black is most afraid of dust and dirt, and it is very obvious when it falls on the paint.

Gray and silver have little effect on the visual effect of dust, but these two colors are more obvious on the car paint on rainy days and muddy roads!

Also, the key depends on which model you choose. If it is a compact car, it is recommended not to choose black, because black will make the body smaller!

Question 8: I want to get a loan to buy a car. What are the procedures? Different forms of 20-cent loans may provide different procedures.

Generally speaking, it is divided into direct bank loans and self-handling, which is relatively strict and requires real estate;

There is also the joint efforts of manufacturers and banks, which will be easier under normal circumstances. In addition to real estate, it can also provide credit for wages and other aspects;

Then there is the factory's own capital loan, such as GM, which provides more relaxed conditions. In addition to the above conditions, I can also use my credit card repayment record to make a loan.

In fact, the conditions are similar, but it is easier for manufacturers or joint efforts to pass, and it is still quite difficult to handle it by themselves.

Question 9: Is it appropriate to borrow money to buy a car? Hello, if you want to apply for a car loan at China Merchants Bank, the following information is for your reference:

Credit card car loan: The credit card center of our bank launched a car purchase activity for some models, which can be paid by credit card installment. If you have a CMB credit card, you can call 4008855855 for more information or open the website of ccclub.cmbchina/...t.aspx.

One-card car loan: some cities of our bank provide personal car loans to customers who buy brand-new non-operating cars under their own names to pay for the car purchase (second-hand car loans are not supported at present). The minimum loan amount is 50,000 yuan, the maximum loan amount is 2 million yuan, and the maximum loan amount does not exceed 70% of the price of the purchased vehicle (excluding various additional taxes and premiums) (some branches have special provisions); The loan term is generally not more than 3 years, and the longest is not more than 5 years. If you have seen the car you need to buy through the car dealer, you can confirm whether you have cooperation with China Merchants Bank through the car dealer. If not, you can try to contact the personal loan department at the counter of China Merchants Bank directly to apply for a loan for you. The handling bank needs to examine your situation in detail to determine whether it can be handled.

If you have any other questions, I suggest you consult "forum.cmbchina/...ncmu=0. Online Customer Service". Thank you for your attention and support!

Question 10: What do you need to apply for a car loan? This is a car loan from China Construction Bank. You can refer to it ~ ~

Basic rule

1. Loan target: a natural person with full civil capacity, aged between 18 and 60.

2. Loan amount: if the purchased vehicle is for personal use, the loan amount shall not exceed 80% of the price of the purchased vehicle; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the price of the purchased vehicle, of which the loan amount of the commercial vehicle shall not exceed 60% of the price of the purchased vehicle; If the purchased vehicle is a used car, the loan amount shall not exceed 50% of the price of the car purchased by the borrower, and the loan amount shall not exceed 200,000 yuan;

3. Loan term: If the purchased vehicle is for personal use, the loan term shall not exceed 5 years; The purchased vehicle is a commercial vehicle or a used car, and the loan period is no more than 3 years;

4. Loan interest rate: subject to the loan interest rate regulations of China Construction Bank;

5. Guarantee method: To apply for personal car loan, the borrower must provide certain guarantee measures, including pledge, mortgage of the car purchased by the loan, mortgage of real estate, third-party guarantee, etc. You can also buy personal car loan performance guarantee insurance.

6. Application materials to be provided:

(1) Personal loan application;

(2) Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, the identity certificate of the spouse shall be provided;

(3) proof of household registration or long-term residence;

(4) personal income certificate, family income or property certificate when necessary;

(5) Certificate of intention to buy a car issued by the automobile dealer;

(6) proof of down payment for car purchase;

(7) If the purchased vehicle is secured by other means than mortgage, the relevant materials of the guarantee shall be provided, including the certificate of pledge of rights, the certificate of ownership and evaluation of mortgaged real estate, and the letter of intent for third-party guarantee, etc.

(8) If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the affiliation agreement and lease agreement for the vehicle to be affiliated with the transportation fleet;

(9) The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to purchase a car and a vehicle evaluation report issued by an evaluation agency recognized by the Construction Bank; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc.

Processing channels and procedures

1. Handling channel: Personal car loan business is handled through the branches of China Construction Bank. In some large and medium-sized cities, the auto finance service center set up by China Construction Bank specializes in personal auto loan business, and the personal loan center is also a professional accepting institution for auto loans.

2. Processing flow:

① The borrower submits the application materials;

② The handling bank conducts preliminary examination of the application materials submitted by the borrower, and conducts credit investigation and customer evaluation on the borrower;

(3) Examining and approving loan applications that meet the loan conditions through preliminary examination and credit investigation;

(4) If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall explain to the borrower;

⑤ After the loan contract comes into effect, the handling bank will issue the loan. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.