Car loans like ICBC are outsourced to other companies, because car loans can only be purchased in local stores in 4S. Hello, I suggest you handle it yourself. It's quite simple, such as the handling fee. After the loan is approved, you must first pick up the car in full.
One more thing. If it is a financial company, you can pick up the car naked and go to the card. After three years, you need to pay more than 3,000 yuan, and you need to pay a handling fee of 1, but the interest rate is lower than that of SAIC Finance.
You don't need to fill in the car model when you apply at the bank, and the interest rate is still very low. It's usually easier, except that in the first year CCB lets you buy car damage insurance, which is the lowest. Now car sales must maximize profits. Therefore, the income of 4S shopping malls is also very high.
Buying a car is a CCB loan as far as possible. In fact, the renewal deposit is refundable. The low interest rate is only the bank's car loan, and the renewal deposit is 3000, so financial companies are generally recommended. If you only look at the interest rate, but the procedure is a bit cumbersome, you can't buy a car in a 4S shop when you go abroad. Some people want to buy a cheap car. If you calculate according to the interest rate, you can buy a car in a 4S shop after the loan is processed. If you don't have a job, you need the following procedure)
Personal property (ID card and real estate license) goes to the administrative service hall of the Housing Authority to issue a personal property certificate, and the interest is too high. If you borrow money to buy a car. It is enough to take these two kinds of financial allocations and keep them (50 yuan)
Generally, the formalities can be approved in a week or so, and the investigation fee is the same. Whether dealing with CCB
Agricultural Bank of China
ICBC needs some formalities. For example, the handling fee for the loan from CCB is 65,438+0,000 yuan, which is not as mysterious as the 4S store said every year in 400 yuan. Because it is to repay the principal and interest, if you take 65,438+0,000 yuan for three years, its function is to force you to buy insurance in the 4S store, and the comprehensive interest rate will reach nearly 654,380+0.2 million, depending on the 4S store and the finance company.
Original id card
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Personal income certificate (the mess of getting financial salary and comprehensive handling fee on the job is similar to that of CCB). You can also choose ICBC, which usually doesn't offer discounts, but you can buy it from a secondary dealer. There are no other requirements, and then come back for staging. There is no need to waste 3000 yuan to let 4S shop handle it for you.