Guangfa credit card car loan fee
Specifically, different loan terms have different charging standards. There are four options for the installment purchase period of * * * "Yangyanghang" of Guangfa Bank, namely, 6 installments, 12 installment, 18 installment and 24 installment, and the corresponding handling fee rates are respectively, and the handling fee amount is calculated by multiplying the loan amount by the rate. For example, the owner chooses a loan of 654.38+10,000 yuan, with a loan of 18 and a handling fee of12,600 yuan.
Guangfa credit card loan application materials for buying a car
The basic materials include the following contents: my identity certificate, original household registration book, residence certificate, work income certificate or asset certificate.
The process of buying a car by credit card of Guangfa Bank
1, apply. First look at the car you want to buy. Fill in the "Application Form for Automobile Consumption Loan" and the "Questionnaire on Credit Status" and submit them to the loan bank together with the relevant certificates of personal situation.
2. Investigation and approval. The bank conducts pre-loan investigation and approval. If the loan conditions are met, the bank will promptly notify the borrower to fill in various forms.
3. Sign various contracts. Notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures.
4. Issue loans. The bank issues loans (the bank transfers money directly to the car dealer's account).
5. Pick up the car. The borrower pays the down payment to the car dealer, and goes through the formalities of car pick-up with the passbook and the car pick-up note issued by the bank.
According to the regulations of the bank, the lender should deposit the principal and interest repaid in installments into the settlement account in advance, otherwise the bank will charge a certain late fee.
If funds permit, car buyers can consider repaying the loan in advance. With the increase of income, if the car buyer has the ability to repay the loan in advance, he can consider repaying the loan in whole or in part in advance so as to get back the mortgage invoice and other car purchase procedures as soon as possible.
Matters needing attention in buying a car with Guangfa credit card loan
1, go to the dealership to choose a car first. The expected annualized interest rate for buying a car with a credit card loan is relatively low. Some people with low income may wish to choose credit card installment payment when considering how to borrow money to buy a car. Generally speaking, to choose credit card installment payment, consumers need to have good credit and repayment ability, and can only choose specific models specified by automobile sales companies. Not all models are suitable for credit card installment payment.
2. Prepare to buy a car. Although the down payment ratio of credit card installment car purchase is at least 30% of the bare car price, not everyone can get 70% of the loan amount. Generally speaking, the card bank will give you an appropriate loan amount according to your personal qualifications. Therefore, before deciding to choose the credit card installment purchase method, the cardholder should call the bank to find out his credit limit.
3. Let's talk about the car price first. The cost of buying a car by installment with a credit card is exactly the same as that of buying a car in cash except for a part of the handling fee. Cardholders can first negotiate the car price with the car 4S shop or participate in the dealer's market preferential activities, and then apply to the bank for credit card installment car purchase.
4. Prepare the premium in advance. Generally, the handling fee for credit card installment purchase is paid in one lump sum at the time of down payment and first month payment. When buying a car, you should prepare the down payment, purchase tax, insurance, compulsory insurance, licensing fee, handling fee and other expenses.