385。
The bank interest rate is 3.85, 1 10,000 yuan. The annual interest rate is 385 yuan. If the deposit amount is 10000 yuan, the annual interest rate =3.85%.
Interest is the reward obtained by the fund owner for lending the fund, which comes from part of the profits formed by the producers using the fund to play their business functions. Refers to the value-added amount brought by monetary funds injected and returned to the real economy. The calculation formula is: interest = principal × interest rate × deposit term × x 100%.
Second, is ICBC's car loan easy to handle?
As we all know, there are two kinds of ICBC auto loans: personal auto loans and personal commercial vehicle loans. So, is ICBC's car loan easy to handle? What conditions does ICBC need to apply for a car loan? What is the current interest rate of ICBC's car loan? Bian Xiao told you. 1. Application conditions of ICBC car loan: Is it easy to handle ICBC car loan? Usually, before applying for a car loan, borrow money first.
Is ICBC's car loan easy to handle?
As we all know, there are two kinds of ICBC auto loans: personal auto loans and personal commercial vehicle loans. So, is ICBC's car loan easy to handle? What conditions does ICBC need to apply for a car loan? What is the current interest rate of ICBC's car loan? Bian Xiao told you.
I. Conditions for ICBC to apply for auto loans
Is ICBC's car loan easy to handle? Usually, before applying for a car loan, the borrower should meet the following conditions:
1. A natural person with full capacity for civil conduct, aged between 18 and 60 years old. And foreigners, Hong Kong, Macao and Taiwan residents, who are borrowers, should have lived in People's Republic of China (PRC) continuously for 1 year and have a fixed residence and occupation, and provide local contact information;
2. Valid identity certificate, household registration certificate or valid residence certificate, marital status certificate or unmarried statement of the city where the loan bank is located;
3. Have a good credit record and willingness to repay;
4. Have a stable legal income source and the ability to repay the principal and interest of the loan in full and on time;
5. Being able to provide effective rights pledge or collateral recognized by the Bank or a third-party guarantee with compensatory capacity;
6. Being able to pay the down payment of the purchased vehicle at no less than the specified proportion;
7. If it is a "customer-to-customer" loan, you need to hold a car purchase agreement or a car purchase contract signed with a special dealer;
8. The borrower's single family (including spouse) has no more than three personal automobile consumption loans in ICBC (except those that have been settled);
9. Open a personal settlement account in China Industrial and Commercial Bank;
10. Other conditions stipulated by the bank.
Two application modes of ICBC's automobile loan
Is ICBC's car loan easy to handle? Loans can be achieved in the following two ways:
1. Direct customer service: The borrower directly submits the application materials for auto loan to ICBC, and after the loan investigation and approval, the bank signs the loan contract and guarantee contract. The borrower goes to the ICBC car dealer to buy a car. The loan is directly transferred from the bank to the car dealer's account.
2. Customer-to-customer: The borrower buys a car from the special automobile dealer of ICBC, submits relevant loan application materials, and the automobile dealer forwards the loan application to ICBC. After the loan investigation is approved, the bank signs a loan contract and a guarantee contract, and goes through notarization and insurance procedures.
So how much can I get from this loan? Generally speaking, the maximum loan amount can reach 80% of the purchase price, and the longest loan period is five years.
Three. Current ICBC auto loan interest rate (reference value of current loan benchmark interest rate)
Loans within one year (including one year): 4.60%
Loans for one to five years (inclusive): 5.00%
Loans over five years: 5. 15%
How to apply for an ICBC auto loan?
Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also known as auto mortgage. So, how to apply for an ICBC auto loan? Next, let's take a look at the popular science in Bian Xiao!
I. Service introduction
"Happiness Express" personal car consumption loan is a RMB-guaranteed loan issued by China Industrial and Commercial Bank to borrowers who apply for car purchase. It has the characteristics of simple and fast procedures, various forms of guarantee and high loan amount.
Second, the service characteristics
ICBC has two loan models: direct customer and indirect customer for you to choose from:
1. Customer-to-customer style: The borrower buys a car from a special automobile dealer of ICBC, submits relevant loan application materials, and the automobile dealer forwards it to ICBC to apply for a loan. After the loan investigation is approved, the bank signs a loan contract and a guarantee contract, and goes through notarization and insurance procedures.
2. Direct customer service: The borrower directly submits the application materials for auto loan to ICBC, and after the loan investigation and approval, the bank signs the loan contract and guarantee contract. The borrower goes to the ICBC car dealer to buy a car. The car loan is directly transferred from the bank to the car dealer's account.
Three. Application conditions
1. China citizens with permanent residence, local permanent residence or valid residence certificate in China and full capacity for civil conduct;
2 have a proper job and a stable source of income, and have the ability to repay the principal and interest of the loan on schedule;
3. Abide by laws and regulations, and have no illegal acts and bad credit records;
4. It can provide effective rights pledge or collateral recognized by the bank or a third-party guarantee with compensatory ability;
5. If it is a "customer-to-customer" loan, you need to hold a car purchase agreement or a car purchase contract signed with a special dealer;
6. Open a personal settlement account in China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;
7. Other conditions stipulated by the bank.
Four. amount of loan
1. If it is a pledge guarantee, or the bank or insurance company provides joint liability guarantee, the maximum loan amount can reach 80% of the purchase price;
2. If the purchased vehicle or other property is mortgaged, the maximum loan amount can reach 70% of the purchase price;
3. If it is guaranteed by a third party (except banks and insurance companies), the maximum loan amount can reach 60% of the purchase price.
Verb (abbreviation of verb) loan term
Automobile consumption loans are generally 3 years, and the longest term is no more than 5 years (inclusive).
Interest rate of intransitive verb loan
The automobile consumption loan is calculated according to the loan interest rate for the same period stipulated by the People's Bank of China. In case of interest rate adjustment during the loan period, if the loan term is less than one year (inclusive), it shall be calculated at the contract interest rate; If the loan term exceeds one year, it will be calculated by stages, and the new interest rate will be implemented according to the corresponding interest rate grade from the beginning of next year.
Seven, apply for personal car consumption loans should be submitted materials.
1. loan application approval form;
2. My valid ID card and a copy;
3. The original and photocopy of the spouse's valid ID card, and written proof of consent to mortgage;
4. Proof of residential address (household registration book or rent, water, electricity and gas receipts for the last three months);
5. Proof of occupation and income (original and photocopy of work certificate; Bank payroll, passbook, etc. );
6. Effective contact information and telephone number;
7. Provide proof of down payment of not less than the specified proportion;
8. Proof of loan guarantee;
The loan guarantee can be pledge of rights, mortgage guarantee or third-party guarantee.
Where pledge guarantee is adopted, the scope of pledge includes China Industrial and Commercial Bank savings deposit certificate (discount) issued by the borrower or a third party, voucher-type government bonds, registered financial bonds, and savings deposit certificate (discount) issued by local commercial banks with inter-bank pledge guarantee agreement.
Where real estate is used as collateral, the mortgaged real estate shall be a property-free house with no other pledge under the name of the borrower himself or his immediate family members, and full property insurance shall be handled.
If the third-party guarantee method is adopted, the written document of the guarantor's consent to the guarantee, the original and photocopy of the guarantor's identity certificate and relevant credit certification materials shall be provided.
9. Personal settlement account voucher opened in China Industrial and Commercial Bank;
10. Other information required by the bank. How to apply for ICBC auto loan @20 19
3. Can ICBC apply for a car loan?
Bank car mortgage is a good loan. Generally speaking, as long as the borrower has a good personal credit, a stable job and income, and the ability to repay the loan principal and interest on time, it is better to apply for automobile mortgage in the bank. In addition, the bank's car mortgage depends on the condition of the car, such as the age of the car, the price of the car, the property right inquiry of the car (the mortgaged car can no longer apply for mortgage loan), whether it is an accident car, etc., all of which have an impact on the final loan amount.
The requirements of bank auto mortgage on users' personal credit and income are usually higher than those of auto financing companies, and the process of loan approval will be relatively long. However, the car loan interest of banks is lower than that of financial companies, so if you can apply for a car loan from banks, don't apply for a car loan from financial companies.
If a user's personal credit information is tainted, it is generally difficult to apply for automobile mortgage in a bank. At this point, users can try to apply for auto loans in auto financing companies.
4. Can ICBC handle car mortgage?
If the borrower's bank flow cannot meet the requirements of the lending institution, the first method can provide qualified mortgage or guarantee to handle the loan. At present, the most commonly used mortgage loan method is house mortgage loan, but the borrower who applies for this loan needs to provide: real estate license, valid identity certificate of himself and his spouse, marriage certificate; Proof of work and income; Real estate appraisal report; Authorized to dispose of the mortgaged property and the written certificate of consent to mortgage issued by other obligees, as well as other loan materials required by the lending institution.
Another way is to add parents as * * * borrowers. The steps of this method are relatively simple. Parents and lenders go to the bank at the same time and show their ID cards, household registration books, lender's marriage certificate (single certificate), parents' marriage certificate, parents' bank running water and other materials. Parents can easily be added as * * * borrowers.