Operating environment:
Brand model: iPhone 13
System version: iOS 15.3. 1
Application version: v8.0. 18
WeChat official account, to follow Volkswagen on WeChat, you need to fill in your personal information first, then bind your ID card, then click on the contract to inquire or repay, and use the bound mobile phone to receive the verification code, so that you can see your detailed loan information.
Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car. The actual interest rate of auto loans is determined by the handling bank according to the actual situation of customers and with reference to the benchmark interest rate stipulated by the central bank. There are three types of car loans: direct, indirect and credit card. The term of car loan is generally 1-3 years, and the longest is no more than 5 years.
According to the regulations of the central bank, the benchmark interest rate is implemented for auto loans, but financial institutions can float within a certain range of the benchmark interest rate. The term of auto loans in major banks is generally less than five years, and the interest rate of auto loans directly determines people's loan costs, which has become an important factor in determining whether people lend.
The actual interest rate of auto loans is determined by the handling bank according to the actual situation of customers and with reference to the benchmark interest rate stipulated by the central bank. Generally speaking, customers with excellent conditions can enjoy the benchmark interest rate or decrease by about 65,438+00%, while ordinary customers need to increase the benchmark interest rate by about 65,438+00%.
Personal loan car purchase business is divided into direct passenger transport, indirect passenger transport and credit card car purchase loans. The direct customer type is generally a bank car loan for customers to meet and directly apply for loans, and the indirect customer type is generally a car loan for auto financing companies to transfer customers' car loans.
For direct bank car loans, the fees charged are deposit, principal and interest, 3% guarantee fee and so on. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different. In addition to the above fees, individual auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits. There is also a credit card car loan. Credit card installment loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records to handle.
First of all, the lender needs to prepare ID card, residence certificate, work certificate, loan use certificate and other supporting materials, go to a bank, fill out an application form and fill out a contract.
Then, wait for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures; If the loan is unsecured, there is no need to sign such a contract.
Secondly, banks issue loans to lenders. Generally, banks will issue loans within 2 to 3 weeks or 1 month after the approval is completed, and loans can be issued within 1 day at the earliest. Finally, the borrower will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and car pick-up slip issued by the bank.