The interest rate of CCB is 4.6% for one year and 5.0% for one to five years. The monthly loan amount is calculated by dividing your loan amount by the loan term, which is calculated on a monthly basis. The first month's repayment is monthly payment plus full interest, because CCB stipulates that the interest after installment purchase will be included in the first month's bill.
Basic information and application materials of CCB car loan:
Basic rules:
1. Loan target: a natural person with full civil capacity, aged 18 to 60 years old (inclusive);
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;
3. Loan term: the purchased vehicle is for personal use, and the longest loan term shall not exceed 5 years; The purchased vehicle is a commercial vehicle with a loan term of 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 auto loan, the borrower must provide certain guarantee measures, including pure vehicle mortgage, vehicle mortgage guarantee institution, vehicle mortgage natural person guarantee and vehicle mortgage performance guarantee insurance;
6. Repayment method: If the loan term is less than one year, you can use any repayment method such as monthly interest, matching principal and interest repayment, average capital repayment and one-time repayment of principal and interest. If the loan term is more than one year, the method of equal principal and interest and average principal repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract;
7. 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 other than mortgage, relevant materials for the guarantee shall be provided;
(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.
Processing flow:
1. Customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;
2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;
3. issue loans. After all the formalities are completed, the loan approved by the bank will be directly transferred to the car dealer account by the bank according to the contract;
4. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;
5. loan settlement. Loan settlement includes normal settlement and early settlement. (1) Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment); (2) Early settlement: Before the loan expires, if the borrower partially or completely settles the loan, it must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated accounting counter after approval.
After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.
Second, the difference between selling cars is 70,000 yuan. If you want to run it in stages for three years, what is the loan interest rate for CCB? ...
It depends on the loan that the customer applies for and the loan term.
3. What is the interest rate of CCB's car loan and how to calculate the monthly payment?
The interest rate of CCB is 4.6% per year, calculated from one year to five months, that is, whether your loan amount is calculated on a monthly basis. The first month's repayment is monthly payment plus full interest, because CCB stipulates that the interest after installment purchase will be included in the first month's bill.
Basic situation of CCB car loan
Basic rules:
1. Loan target: natural person aged between 18 and 60 weeks;
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;
For automobiles, the loan period shall not exceed 5 years at the longest; The purchased vehicle is a commercial vehicle with a loan term of no more than 3 years;
4. Loan interest rate: according to CCB.
5. Guarantee method: The applicant must provide certain guarantee measures, including pure vehicle mortgage, vehicle mortgage guarantee institution, vehicle mortgage natural person guarantee and vehicle mortgage.
6. Repayment method: If the loan term is less than one year, you can use any repayment method such as monthly interest, matching principal and interest repayment, average capital repayment and one-time repayment of principal and interest. If the loan term is more than one year, this law can be adopted. The specific repayment method is agreed in the contract;
7. Application materials to be provided:
(1) Personal loan application
(2) Personal valid identity documents. Including resident identity card, household registration book, military officer's card, passport, Hong Kong, Macao and Taiwan compatriots' spouse identity certificate;
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(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) To guarantee the purchased vehicle by means other than mortgage requires
(8) If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide the affiliation agreement and lease agreement that the purchased vehicle can be legally used for the fleet.
Processing flow:
1. Customer application. Customers request forms and submit relevant materials at the same time;
2. Sign the contract. Banks should investigate the application materials submitted by borrowers, review payment contracts and guarantee contracts, and handle relevant notarization and mortgage registration procedures as appropriate;
3. issue loans. After all the formalities are completed, the loan approved by the bank will be directly transferred to the car dealer account by the bank according to the contract;
4. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;
5. loan settlement. Loan settlement includes normal settlement and early settlement. (1 Settle the loan on the maturity date (one-time repayment of principal and interest) or the last installment of the loan (installment repayment); (2) Early settlement: Before the loan expires, if the borrower partially or completely settles the loan, it must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated accounting counter after approval.
After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.
4. What is the total monthly principal and interest of CCB's car loan of 65,438+36 installments?
Based on the three-year loan interest rate of 4.75%, the repayment method of equal principal and interest: the monthly principal and interest amount is 2985.88 yuan; The total repayment amount is: 10749 1.6 1 yuan; * * * Interest payable: 74,965,438+0.6438+0 yuan. The interest paid in 1 month is: 395.83; The first 1 month principal repayment amount is: 2590.05; Since then, the monthly interest repayment amount has decreased and the principal has increased. Matching principal repayment method: the monthly principal in the first month is 3 173.6 1 yuan, and then it will decrease every month, and the last month is 2788.77 yuan; The monthly principal is 2777.78 yuan; All principal and interest payable: 107322.92 yuan; The total interest payable is: 7322.92 yuan. I. Loan interest rate The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when granting loans. The loan interest rate can be divided into long-term loan interest rate and short-term loan interest rate according to the loan term. Because the loan interest rate may fluctuate, it can be divided into floating interest rate and fixed interest rate according to whether it fluctuates or not. Floating interest rate actually refers to the interest rate that is adjusted accordingly with the change of price or other factors during the loan period. When we apply for a loan, we always calculate the interest to be paid according to the loan interest rate. Interest is actually the result of multiplying the principal by the loan term and the loan interest rate. The calculation formula is: interest = principal × loan term × loan interest rate; if the loan interest rate is in years, interest = principal × year × annual interest rate; if it is in months, interest = principal × month × monthly interest rate. Two, the loan period is mainly divided into short-term loans, long-term loans and long-term loans according to the length of time. Short-term loans are usually within 1 year or 1 year, but loans for more than 3 months and less than 6 months are temporary loans and cannot be counted as short-term loans. Medium-and long-term loans are usually from 1 year to less than 5 years (inclusive), and long-term loans are loans of more than 5 years. The loan risks are different with different loan terms. Therefore, the shorter the loan term, the smaller the interest rate, and the longer the loan term, the greater the risk of lending. In order to reduce the risk, the interest rate of the loan will also increase. Three. Repayment methods Personal loan repayment methods mainly include average capital and equal principal and interest repayment methods. Lenders can choose the corresponding repayment method according to their actual situation. 1, the equal principal and interest average capital repayment method is to repay a fixed amount every month, and the proportion of interest in the early repayment will be relatively large, and the proportion of interest will become smaller as time goes by. Because the repayment amount is fixed, it is suitable for young people with insufficient repayment ability in the early stage. 2. The repayment method in the average capital, the average capital is that the monthly repayment amount is decreasing, and the proportion of principal in early repayment will be relatively large. With the passage of time, the proportion of interest in the later repayment will gradually increase. Because the repayment amount is from high to low, it is the same as the income reduction of office workers after retirement, which is suitable for the elderly.