China Merchants Bank's credit card loan car purchase rate is not only low, but also some models can enjoy a preferential rate of 0. How to buy a car with China Merchants Bank credit card loan? From the conditions, process and interest rate of China Merchants Bank's credit card loan to buy a car, this paper introduces how to handle the installment business of China Merchants Bank's credit card car.

China Merchants Bank credit card loan car purchase conditions

1, from Chinese mainland;

2. A natural person with full capacity for civil conduct;

3. The age is between 18-60 years old;

4. There is no serious bad credit record of banks or credit institutions;

5. Have a legal and stable job or income.

(Tips: You can only apply for a loan if you meet the loan conditions, but whether you can successfully handle the car installment business in the end depends on whether the bank recognizes the lender's business qualifications. )

China Merchants Bank Credit Card Loan Car Purchase Process

1. online booking loan application amount.

2. Wait for the bank staff to contact the lender to apply for a loan.

3. Wait for the bank to review the lender's qualification.

4. After approval, the lender will pay the down payment for car purchase and purchase insurance.

5. Pick up the car after the bank lends money.

China merchants bank credit card loan car purchase interest rate

1, some models support installment 0 rate concessions, so the handling fee is free.

2. The standard service fee rates of China Merchants Bank's automobile installment business are 65438+5.5% in 2002, 24 10.5% and 36 14.5%.

China Merchants Bank's credit card loan to buy a car is not an application, and it will certainly be able to successfully handle the installment business. The final installment amount is subject to the audit of China Merchants Bank Credit Card Center. At the same time, you need to pay a down payment to buy a car with a credit card loan from China Merchants Bank. Most models need to pay 30% of the car price, and individual models need to pay 20% down payment, and payment must be made by means other than China Merchants Bank credit card.

Introduction to related hot reading:

What is the interest rate of credit card installment loan of China Merchants Bank? The minimum handling fee is 0.75%

What is the credit card loan amount of China Merchants Bank? You can buy a car at the highest amount.

How to operate China Merchants Credit Card by stages?

1. Basic conditions for the installment application of China Merchants Bank's credit card car: 1. Chinese mainland people; 2. A natural person with full capacity for civil conduct; 3. The age is between 18-60 years old; 4. There is no serious bad credit record of banks or credit institutions; 5. Have a legal and stable job or income. II. The credit card car installment process of China Merchants Bank: 1. Online booking application quota; 2. The staff of China Merchants Bank will contact you for help; 3. China Merchants Bank Qualification Examination; 4. Pay insurance down payment; 5. borrow money to pick up the car. 3. Description of installment fee for China Merchants Bank credit card car: 1. The cost allocation method is: the fixed total rate is allocated to each period (month) in equal amount. If it cannot be divided completely, it will be rounded to two decimal places, and the remaining fees will be collected at one time in the last month. 2. One-time charging mode, all expenses will be paid in the first phase. 3. The installment calculation is only based on the customer's own calculation of the installment repayment amount, and the final repayment method and amount are subject to the bill display. 4. The qualification and quota shall be subject to the final review by China Merchants Bank Credit Card Center.

Detailed explanation of China Merchants Bank credit card installment car purchase process is simple and easy to pick up the car in five steps!

China Merchants Bank credit card installment car purchase service is aimed at the car loan business of China Merchants Bank credit card holders. If the business is successful, you can pick up the car by paying the corresponding down payment. So what is the process of buying a car by installment with China Merchants Bank's credit card? The process of buying a car with a credit card loan from China Merchants Bank has been organized into five simple steps. As long as you follow this process, you can easily pick up the car.

Step 1: Call and ask if you can buy a car in installments.

Telephone:

Consultation content: business qualification and installment car purchase quota.

Step 2: Offline stores select vehicles to handle car purchase by installment.

The cardholder holds a valid identity document, chooses the car type he wants to buy in the car shop that cooperates with China Merchants Bank, then picks up the car and applies for car purchase by stages.

Step 3: Fill in the car purchase order.

After determining the model, you must fill in the car purchase order. If the order is successfully submitted to China Merchants Bank, it will be verified in the background.

Step 4: Pass the examination and approval, pay the down payment, get the certificate, buy insurance and go through the mortgage formalities.

After approval, the cardholder needs to pay the down payment for the purchase of the vehicle, which is generally 20%-30% of the net price of the vehicle. At the same time, he needs to apply for licensing, purchase insurance and mortgage procedures, and some customers may not apply for mortgage.

Step 5: After the loan is approved, the cardholder picks up the car.

After the loan is approved, the cardholder can pick up the car at the store of the dealership as long as he has gone through the loan formalities.

This is basically a simple process of buying a car by stages with China Merchants Bank credit card. I want to remind you that the amount of car installment is determined by personal credit and credit card usage, so there will be a low loan amount. At this point, the cardholder needs to pay more down payment to successfully handle the business. In order to increase the loan amount, it is suggested that users who apply for credit card installment purchase of China Merchants Bank should submit some financial certificates as much as possible.