In Ping An Good Loan, there are many new loan schemes. In order to meet the needs of more people, Ping An Good Loan New Loan has launched various schemes such as policy scheme, mortgage scheme and provident fund scheme.
Do you know three common loan schemes?
Nowadays, loan to buy a car has become the main way for most young people to buy a car. 4S shops also have various loan schemes, which they will promote according to the actual situation of car buyers. However, it is convenient and fast, and it also increases the difficulty of their choice. Many friends who want to buy a car don't know much about car loans. When they buy a car, they can only listen to the 4S shop. They are always in a very passive position. Today, Brother Shi talked with his friends about how to choose a loan to buy a car. What are their advantages and disadvantages?
1, interest-free loan
Interest-free loans are only for 4S shop manufacturers' finance, but not for other loan companies, which shows that their requirements for car buyers are relatively high. So what conditions do you need to meet to enjoy the interest-free loan from the manufacturer's finance?
First, you must have good qualifications and pass the audit of the finance company. Second, the down payment of the car price should meet the requirements of interest-free loans (the manufacturer's finance clearly stipulates interest-free loans, and the down payment must be 50%-70% of the car price to enjoy, and the interest-free time is generally 1.5 to 2 years). Interest-free loans must have sufficient budget, and those that need capital turnover in the near future can choose.
Advantages: It is a good choice for some middle and high-priced models, and interest-free loans can save 1, 000-20,000. You can save interest money and take out funds for investment turnover.
Disadvantages: the audit is difficult, the down payment accounts for a large proportion, the repayment period is shorter than that of ordinary loans, and the pressure on ordinary people is slightly greater.
2. Discounted loans
As the name implies, a discount loan means that you pay part of the interest yourself and the financial company pays part of the interest. This kind of loan exists in both factory finance and various bank finance, but Brother Shi suggested that the discount loan for factory finance is the most cost-effective and the policy is more powerful than that of banks.
Discounted loan is also a very popular loan scheme, but its audit difficulty is second only to interest-free loan. The minimum down payment of discount loans can be 15%-40%, and the loan time is at least 3 years, which can give consumers enough capital turnover time.
For people who have insufficient budget but are in a hurry to use the car, discount loans are a good choice, but they must do what they can and choose the best down payment ratio and loan cycle.
Advantages: the difficulty of checking discount loans is slightly lower, the pressure of down payment and monthly payment is small, and the loan time is long.
Disadvantages: it still has some interest on discount loans. The longer the loan time, the higher its interest. Although the discount loan can make a minimum down payment, it is difficult to pass.
3. Quick loans
Fast loans widely exist in manufacturers' finance, bank finance and leasing companies, and they all have one common feature: low loan review difficulty and fast lending speed. The main target of fast loans is people with poor qualifications who can't meet the requirements of interest-free discount in some aspects. They simply want to buy a scooter, and the car purchase budget is generally around 3-6.5438+ 10,000 yuan. The down payment for quick loan can be at least 20% of the car price, and the repayment time is 2 -3 years.
Advantages: low requirements for quick loans, fast review speed and low down payment, which is very suitable for people with poor qualifications who want to buy ordinary scooters.
Disadvantages: the interest rate of fast loan is high, and choosing a fast loan vehicle will force the loan company to install GPS.
Finally, new and old drivers please get on the bus. At present, there are many kinds of auto loans. When making a loan, you should consult a sales consultant in detail, buy a car according to your ability, and choose a loan scheme according to your actual situation.
Pay attention to disciples, and there will be more knowledge sharing about car maintenance later. Thank you!
Note: The pictures are from the Internet, and the rights belong to the original author. Thank you!
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.
What is the good plan for Ping An's good loan and new loan?
The plans of Ping An Good Loan and New Loan are very good, depending on what the demand here is. As long as the payment is not in full, the non-reinsurance has not changed, and the policy has not been loaned for more than 2 years, Baidu can also find it.
1 plus 1 What does the loan scheme mean?
What he means is that you borrow 20 thousand from him first. After you pay it back, your credit score will be high. Before I give you a second loan.
How to handle bank loans? How to handle bank loans?
1. Prepare loan information, which usually includes ID card, marital status, credit information, assets and loan purpose.
2. Apply for a loan from the bank.
3. The bank conducts qualification examination for customers. If the audit fails, you need to resubmit the information. If the review is passed, the loan scheme can be determined.
4. The bank and the borrower reached an agreement on the loan amount, term and interest, and the bank loan manager began to write an investigation report.
5. The risk control part of the bank re-examines the investigation report and customer information, and then carries out the next examination and approval.
6. Bank loans need the approval of the president, and the loan contract can only be signed after the approval.
7. After signing the loan contract, the bank will lend normally.
How many kinds of Audi loan schemes are there? There are three main types.
Audi's loan scheme generally refers to the calculation of down payment and loan ratio, the choice of loan term, and the loan interest rate is generally given according to the lender's comprehensive qualification evaluation. Audi offers relatively many loan schemes. Can you take a concrete look at the number of Audi loan schemes? As we all know, the starting price of Audi is at least 200,000, and the better the model, the higher the price. Here, we only take 200,000 as an example for your reference.
1. How many loan schemes does Audi have?
According to Audi's official website, there are three loan schemes: Yi Rong Loan, Yirongjia Scheme and Audi Old Friends Scheme. The main differences are as follows:
1, the down payment ratio is slightly different.
Generally, pure electric vehicles, hybrid vehicles 15%, fuel vehicles 20%, and the minimum down payment for your honor and easy loan is often 20%.
2. The loan term is different.
The term of Zunrong Easy Loan is 1-5 years, and Yirong plus and Audi's old friends have a fixed term of 3 years.
3. The interest rate range is different.
The interest rate range of Zunrong Easy Loan is 12 month repayment, and the monthly interest rate is 24 months repayment. The annual interest rate is that the longer the loan term, the smaller the interest rate.
Yi Rongjia's lowest interest rate is 4.88-7.97%.
The annual interest rate for a three-year loan is generally 2. Take Audi A3 as an example, the market guidance price is 203 100 yuan.
At present, the 4s shop adopts the monthly repayment method of equal principal and interest, so:
1, respect for easy loans
Pay off in the shortest 12 months, with a down payment of 20% and a monthly payment of 13604 yuan;
Pay off within 60 months at the longest, with a down payment of 20% and a monthly payment of 3,208 yuan.
2. Yi Rong Plus Plan
The down payment is 15%, and the monthly payment is 5 183 yuan, which is 36 months short.
3. Audi Old Friends Program
Down payment 15%, monthly payment of 5070 yuan, 36 months short.
The above is the introduction of the loan scheme of Audi 4s shop. I suggest you choose a suitable loan scheme according to your repayment ability, or you can apply for a car loan at the bank yourself, but the procedure is relatively troublesome.
This concludes the introduction of loan scheme and loan scheme template. I wonder if you found the information you need from it?