Car loans have developed rapidly, and basically all major banks have them. Some provincial local banks have also opened car loans. The following is the bank information collected from the car loan network. If you want to know more, you can go to their website:
Introduction of China Merchants Bank's "Easy Car Purchase" credit card car purchase business
Operating rules for loan business of Agricultural Bank of China
Bank of China's personal consumption car loan policy
Detailed explanation of CCB Longka credit card purchase by installment
Introduction of Personal Car Loan Business of China Bank of Communications
China Industrial and Commercial Bank "Happiness Express" Personal Automobile Consumption Loan
Personal automobile consumption loan policy of Shanghai Pudong Development Bank
Personal automobile consumption loan policy of China Everbright Bank
Introduction of Huaxia Bank's Personal Automobile Loan
Guangdong Development Bank automobile mortgage
Industrial Bank Personal Automobile Consumption Loan
China Minsheng Bank Personal Automobile Consumption Loan
2. What are the car loans of China Bank?
What are the car loans of China Bank? Bank car loans in China include self-use loans and operating vehicle loans.
Bank of China consumption car loan
Consumer car loan of China Bank refers to the RMB loan that the borrower pays a certain proportion of down payment when purchasing consumer cars (excluding used cars), and the insufficient part is paid by the bank directly to the car dealers.
The loan amount of general customers is not higher than 60% of the car price in principle, and the guarantee provided by high-quality customers is not higher than 70% of the car price in principle; In principle, the loan amount for high-quality customers is not higher than 70% of the car price. The term of personal automobile consumption loan for ordinary customers shall not exceed 3 years (including 3 years) in principle; Personal automobile consumption loan for high-quality customers.
Bank of China deals in auto loans.
Auto loans issued by natural person borrowers for the purpose of buying cars for profit and engaging in legal production and business activities 2. The operating vehicles engaged by the borrower only refer to the first-hand operating vehicles, which are purchased as passenger vehicles, freight vehicles and engineering vehicles according to the loans applied by the borrower.
The loan amount for passenger cars shall, in principle, be controlled within 60% of the price of purchased vehicles. The maximum loan limit for trucks and engineering vehicles is controlled in principle.
3. What bank card should I use to buy a car with a loan?
It happened that I also wanted to buy a car and asked about the loan. Generally, 4S shops have cooperative banks or financial institutions, which will lead to more handling fees and interest than buying a car in full. You can bargain with the 4S store and charge a handling fee. If the interest is repaid in several years, there will be corresponding interest subsidies. For example, if you borrow it for three years, some of them may pay interest 1 year, and if you borrow it 1 year, there will be no interest. If you buy a car with a loan, you need an ID card, a driver's license and a bank card (
4. Which bank should I choose for car loan?
1. ICBC auto loan
China Industrial and Commercial Bank has two loan models: direct loan model and indirect loan model. The difference is that the direct loan mode is that the borrower directly applies for a car loan from the bank, while the indirect loan mode is that the borrower applies for a loan through a car dealer. It is recommended to go directly to the bank to consult related matters.
2. Bank of China
As a bank with many domestic outlets, China can also provide auto loan services. Generally, the loan amount to customers is 60% of the total car price, which can reach 70% with guarantee and the term is three years. The loan amount for high-quality customers is 70% of the total car price, and the loan period can reach 5 years. If you save a lot, buy the investment and financial services of China Bank, or have a mortgage, you are more likely to become a quality customer.
3. Agricultural Bank of China
Agricultural Bank of China can provide loans to China citizens and foreigners who have lived in China for more than one year. The loan amount is 80% of the purchase price, and the longest loan period is 5 years. If it is a commercial vehicle, the loan amount is 60% of the purchase price, and the longest term is 3 years.
4. China Construction Bank
The car loan of China Construction Bank also divides the car loan into self-use car and commercial car. The loan amount for self-use car shall not exceed 80% of the price of the car purchased, and the longest period shall not exceed 5 years. Commercial vehicle loan amount shall not exceed 70% of the purchase price, and the longest period shall not exceed 3 years.