Ping An Leasing Auto Finance-related loans apply for auto loans with vehicles as collateral, and the maximum amount of auto loans is 80% of the sales revenue of purchased vehicles. If the vehicle used by the applicant is a second-hand car, the maximum loan amount for purchasing a second-hand car shall not exceed 70% of its appraised value. Users can't apply for a loan amount higher than the value of their own vehicles, and they can only apply for 80% at most.
In fact, car loans and financial leasing belong to the category of auto finance, and financial leasing companies are supervised by the Ministry of Commerce, so it is very necessary to understand the nature of business no matter what business users handle. After understanding its basic essence, users can apply for products that suit them.
Compared with banks, financial leasing business has the following advantages:
First, from the perspective of loan approval procedures, Ping An Leasing is focused and rooted in the industry. With in-depth knowledge and understanding of the industry, the credit review process is much simpler than that of banks.
Second, in terms of repayment flexibility, financial leasing is more flexible, and the rental repayment table can be customized according to the financial strength and sales season of each enterprise.
Third, in terms of loan term, banks have more liquid loans and strict requirements and standards for long-term loans; Ping An Leasing focuses on 3-5 years of medium and long-term loans, which can better match the needs of customers.
2. Knowledge related to the development of financial leasing
Financial leasing, also known as equipment leasing or modern leasing, refers to leasing that essentially transfers all or most of the risks and rewards related to asset ownership. The ownership of assets may or may not be transferred eventually.
2065438+On August 26th, 2005, Li Keqiang, Premier of the State Council of the People's Republic of China, People's Republic of China (PRC) presided over the the State Council executive meeting to determine the measures to accelerate the development of financial leasing and financial leasing industry, so as to better serve the real economy. The meeting pointed out that accelerating the development of financial leasing and financial leasing is an important measure to deepen financial reform, which is conducive to alleviating financing difficulties, stimulating enterprise equipment investment and promoting industrial upgrading.
First, the implementation of decentralization, financial leasing companies set up subsidiaries without minimum registered capital restrictions. Simplify the registration permit or import and export procedures related to financing lease of ships, agricultural machinery, medical equipment, aircraft and other equipment. In the identification of business qualifications, the equipment purchased by lease and the equipment purchased by oneself are treated equally.
The second is to highlight structural adjustment, accelerate the development of leasing business in the fields of high-end core equipment import, clean energy and people's livelihood, and support the establishment of leasing companies for small and micro enterprises and "agriculture, rural areas and farmers". Encourage leasing to promote equipment going abroad and international capacity cooperation.
Third, innovate the business model, make good use of the "internet plus", adhere to the combination of financing and financing, establish the circulation market of leased goods and second-hand equipment, and develop the sale and leaseback business. Fourth, increase policy support and encourage all localities to guide financial leasing and financial leasing to better serve the real economy through incentives and risk compensation. At the same time, relevant departments should coordinate and strengthen risk management. [1] financial leasing is a new financial model, and the risks borne by financing companies and lessees are relatively low.
Financial leasing means that the lessor purchases the leased property from the supplier and rents it to the lessee according to the specific requirements of the lessee and the choice of the supplier. The lessee pays the rent to the lessor by installments. During the lease period, the ownership of the leased property belongs to the lessor, and the lessee has the right to use the leased property. If the lease term expires, the rent has been paid, and the lessee has fulfilled all the obligations as stipulated in the financial lease contract, and there is no agreement or unclear agreement on the ownership of the leased property, it may be supplemented by agreement; If a supplementary agreement cannot be reached, it shall be determined in accordance with the relevant provisions of the contract or trading habits. If it is still uncertain, the ownership of the leased property belongs to the lessor.