Which bank is cost-effective in buying a car? Now more and more people choose to borrow money to buy a car, but how to borrow money to buy a car? Many people don't know this problem yet. Let's take a look at Bian Xiao. Which bank is cost-effective in buying a car? It's best to see which bank the dealer of the model you bought cooperates with first. General cooperation, there will be some concessions or gift packages. (For example, BOC cooperates with Toyota and Xingye cooperates with Kia). Of course, some of them are local and need to be understood by themselves. Regardless of cooperation, the car loan business of each bank is not too bad, depending on which bank's card is convenient. The conditions for applying for car loan are as follows: 1. Car buyers must be 18 years old and China citizens with full capacity for civil conduct. 2. Car buyers must have a stable job, a stable economic income or assets that can be easily realized in order to repay the loan principal and interest on schedule. 3. During the period of applying for a loan, the car buyer will deposit the car purchase down payment lower than that stipulated by the bank into the bank savings counter account. 4. Provide banks with bank-approved guarantees. If the personal account of the car buyer is not local, it is necessary to provide joint and several liability guarantee, and the bank does not accept the mortgage set by the car buyer with the loan. 5. Car buyers are willing to accept other conditions deemed necessary by the bank. Which bank is cost-effective in buying a car? The handling fees of ABC, BOC and ICBC are more favorable, and there is no upper limit on the amount; But if consumers only choose low rates, they may not be able to handle it in the end. Because there is an invisible threshold behind the fee rate: application conditions. At this point, CCB and China Merchants Bank are more "close to the people". Requirements for auto loan application: (1) The buyer must be a China citizen who has reached the age of 18 and has full civil capacity. (2) Car buyers must have a stable job, a stable economic income or assets that are easy to realize before they can repay the loan principal and interest on schedule. The realizable assets here generally refer to securities, gold and silver products, etc. (3) During the loan application period, the car buyer will deposit the down payment for car purchase lower than that stipulated by the bank into the bank savings counter account. (4) Providing banks with bank-approved guarantees. If the personal account of the car buyer is not local, it is necessary to provide joint and several liability guarantee, and the bank does not accept the mortgage set by the car buyer with the loan. (5) Car buyers are willing to accept other conditions deemed necessary by the bank.
Second, which bank has a good car loan? These four families are all very good!
Nowadays, many people have the conditions to buy a car, and they can choose to repay by installments. Now many banks have car loan services. Which bank is better? Which one is familiar to everyone.
1, Ping An Yin
A bank has car loan service, and the amount of a single loan is as high as 500,000 yuan. The down payment requirement is low, and you can apply for a loan as long as you can pay 20%. I'm taking out a quick loan.
2. China Merchants Bank
China Merchants Bank can provide lenders with loans of up to 2% and no more than 5 years. After calculation, the monthly repayment amount is relatively high. The down payment ratio is at least 20%, and the loan can be completed within one day at the earliest. If the personal salary conditions are better, the approval amount will be higher.
3. Bank of China
As a loan, the term is no more than three years, and the down payment ratio of customers such as quality customers is above 40%, and the minimum down payment is 30%. Ordinary customers are not lower than the benchmark interest rate, and the interest rate of high-quality customers is not lower than 10%, which is higher than other banks. Only high-quality customers can enjoy some rights and interests.
4. China Construction Bank
The purchased vehicle is a self-use vehicle, and the longest loan period is no more than 5 years; The car purchased is not more than 3 years; Minimum down payment of 20%; As for the loan interest rate, according to the loan stipulated by CCB
In short, bank loans are very cost-effective, and other banks have similar car loans. Everyone can own a bank according to their own conditions and requirements, which is more cost-effective. 3. Which bank has the cheapest car loan?
Spread out completely
Ping An Bank's new loan is in line with most people with stable and sustained wage income, without any mortgage or guarantee, and your credit is the best loan pass; Complete information, the fastest loan 1 day, and a unique remote approval mode, so that you can get unsecured loans only by visiting 1 time; Take the loan of 50,000 yuan and the interest rate of 3 years as an example, the average monthly loan interest is only 190 yuan! (For reference only, subject to the final audit of the bank, and the account management fee will be charged separately); It can be used for car purchase, decoration, travel, further study, study abroad, wedding, medical treatment and other unsecured loan purposes. In short, relatively speaking, Ping An Bank's new loan is still relatively popular. Ping An Bank's new loan is in line with most people with stable and sustained wage income, without any mortgage or guarantee, and your credit is the best loan pass; Complete information, the fastest loan 1 day, and a unique remote approval mode, so that you can get unsecured loans only by visiting 1 time; Take the loan of 50,000 yuan and the interest rate of 3 years as an example, the average monthly loan interest is only 190 yuan! (For reference only, subject to the final audit of the bank, and the account management fee will be charged separately); It can be used for car purchase, decoration, travel, further study, study abroad, wedding, medical treatment and other unsecured loan purposes. In short, relatively speaking, Ping An Bank's new loan is still relatively popular. /Hui You/Xinyi Daiche. shtml
4. Which bank can apply for a car loan?
If you apply for a China Merchants Bank card, at present, our savings card can handle two kinds of personal car loans: consumer loans are used to buy a car, and you need to apply for a mortgage with a property with full property rights. If you meet the requirements, you can directly contact the personal loan department at the counter of China Merchants Bank to apply for your loan. The handling bank needs to specifically review your situation and determine whether it can be handled. 2. Personal car loan, you need to apply for mortgage with the purchased car. If you have seen the car you need to buy through the car dealer, you can confirm whether you have cooperation with China Merchants Bank through the car dealer. If not, you can try to contact the personal loan department at the counter of China Merchants Bank directly to apply for a loan for you. The handling bank needs to examine your situation in detail to determine whether it can be handled. If credit card is used for car installment: We mainly distinguish the installment application methods and application materials to be submitted by different cardholders according to their card performance (such as card holding time, consumption habits, fixed amount, etc.). ), professional status, income, etc. If you are interested in buying a car in the near future, please call Chebuyi: 4008855855 two weeks before buying a car.