Features:
Compared with the traditional equal repayment method, the monthly payment is lower, and the borrower can reasonably control the funds. There are many ways to settle the balance, and you can apply for deferred repayment.
Product introduction:
Loan term: 2 to 48 months.
Down payment: 30% of the total car price.
Average monthly payment period: 1 1 to 47 months.
Flexible balance payment (new): 25% of the loan amount.
Treatment of the balance payment:
1, settle the elastic balance at one time and obtain the ownership of the car;
2. Re-apply for a second loan for the elastic balance, with a term of 12 to 48 months (the total loan term shall not exceed 60 months); 3. Replace the new car with the used car with the help of the car dealer.
Question 2: What is loan flexibility? 10 flexible credit includes down payment, equal monthly payment and flexible balance payment in the last month. Pay off the final payment in one lump sum to reduce the monthly payment, and the final payment accounts for about 25% of the loan amount.
Features:
Compared with the traditional equal repayment method, the monthly payment is lower, and the borrower can reasonably control the funds. There are many ways to settle the balance, and you can apply for deferred repayment.
Product introduction:
Loan term: 2 to 48 months.
Down payment: 30% of the total car price.
Average monthly payment period: 1 1 to 47 months.
Flexible balance payment (new): 25% of the loan amount.
Treatment of the balance payment:
1, settle the elastic balance at one time and obtain the ownership of the car;
2. Re-apply for a second loan for the elastic balance, with a term of 12 to 48 months (the total loan term shall not exceed 60 months); 3. Replace the new car with the used car with the help of the car dealer.
Question 3: What is the loan process of the automobile industry? What is elastic balance? Standard flexible loan
Standard flexible loan products refer to paying a certain proportion of down payment and choosing a certain proportion of flexible balance when buying a car. Except for the down payment and the final payment, the loan part shall be paid by equal monthly payment within the loan term. However, the elastic balance during the loan period does not need to be repaid. At the end of the loan period, customers can choose the following schemes according to their own wishes:
1) Pay off the flexible loan amount in one lump sum.
2) Extend the flexible loan amount to the loan term and continue to enjoy the loan service.
In this way, you can greatly reduce the monthly payment and maximize the use of funds.
Question 4: What does the elastic balance of BMW x5 financial plan mean? After consumption, the original credit line will be transferred back. As the credit limit is temporarily increased, the increased credit limit cannot be paid by revolving credit.
Question 5: There is "flexible credit" in the financial plan. Does anyone use this credit? Many similar ones?
Question 6: What does it mean that the repayment method of the loan can be flexibly adjusted? After you apply for a loan, there are several repayment methods, such as equal interest, differential interest and so on. To put it bluntly, it is also a question of loan interest.
Question 7: How to calculate the standard flexible loan if you want to buy a car? The proportion of 20 points is 400, the naked car is 487 thousand, and the monthly payment is 1655. First of all, your monthly repayment is about 1655. The so-called flexible system means that the average capital of the repayment amount in the first month will be higher, and then it will decrease month by month. An elastic way, 665. Now the bank loan interest rate is always changing, so I don't know what the current interest rate is. That's all I know. I hope it can really help you.
Question 8: As you said, you pay back 1.553 yuan per month, which seems to be interest, and the final payment will be paid in one lump sum on the loan maturity date.
Generally speaking, BMW's flexible loan is 40% down payment, 30% during the loan period (monthly payment plus interest) and 30% final payment on the loan maturity date.
Question 9: I want to ask about the 30-point flexible loan for car purchase. Every bank has this business, but as far as I know, many banks don't support lending. Unless you are a senior VIP customer who has made a lot of contributions to the bank, the bank will not bother to provide you with this service, or it just happens that the bank wants to provide such loans at this stage (bank loan task).
Question 10: What is interest rate elasticity? Refers to the sensitivity of an economic variable to changes in interest rates. Relative to money demand, interest rate elasticity refers to the influence of interest rate changes on money demand, that is, the sensitivity of money demand to interest rate changes. The total interest rate elasticity of money demand includes: the interest rate elasticity of productive money demand; Interest rate elasticity of consumer's money demand.