According to the current automobile consumption loan, the general annual interest rate is about 65,438+00%, the monthly interest rate is 65,438+00%/65,438+02, and the loan is 65,438+000,000,000 yuan, with the same repayment amount. Five years (60 months) calculation: monthly repayment amount =10000 *10/2 * (1+10/2) 60/(.
The loan amount that the payer lends to the dealer for purchasing vehicles and/or spare parts shall be based on the average inventory of the dealer for a period of time, and the specific period shall depend on the inventory turnover of the dealer. The lender shall regularly check the dealer's credit by regularly counting the dealer's automobile and/or spare parts inventory and analyzing the dealer's financial statements, and adjust the dealer's credit rating and inventory inspection frequency according to the review results.
Automobile loan application conditions
(1) The car buyer must be at least 18 years old and a citizen of China with full civil capacity.
(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.
(3) During the loan application period, the car buyer will deposit the car purchase down payment lower than that stipulated by the bank into the account of the bank savings counter.
(4) Providing banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.