1. How much is the monthly payment for a typical car loan?

1. Most car loan terms are 1-3 years, and the longest cannot be more than 5 years. If the applicant is applying for a credit card installment car purchase, then the loan terms that can be applied for are generally 12 months, 24 months, and 36 months.

2. How many years does it take to apply for a car mortgage loan? It depends on the applicant’s repayment ability. When the interest rates of car mortgage loans are the same, the shorter the loan period, the higher the payment. The interest on the loan will be less.

3. But at the same time, you should also know that the shorter the loan term, the greater the applicant’s monthly repayment amount, and the greater the repayment pressure. Therefore, the length of the car mortgage loan is mainly determined by the applicant's repayment ability.

2. How many years can a car loan be extended?

According to relevant regulations, if it is a new car loan, the maximum loan period is 5 years; if it is a second-hand car loan, the maximum loan period is 3 years. The specific loan period is determined by the lending institution based on the applicant's repayment ability, occupation, credit report, etc. Car Loan refers to a loan issued by a lender to a borrower who applies to purchase a car. The actual interest rate for a car loan is determined by the bank based on the actual situation of the customer and with reference to the loan benchmark interest rate stipulated by the central bank. There are three main types of car loans: direct customer, indirect customer, and credit card car loans. The car loan period is generally 1-3 years, with the longest not exceeding 5 years. The loan target borrower must be a permanent resident of the location where the loan bank is located and have full civil capacity. Loan period: Car loan period: The period of automobile consumer loans is generally 1-3 years, with a maximum of no more than 5 years. Among them, the loan period (including extension) of second-hand car loans shall not exceed 3 years, and the loan period of dealer car loans shall not exceed 1 year. The benchmark interest rate for loan interest rates is stipulated by the central bank. Auto loans follow the benchmark interest rate for loans, but each financial institution can float within a certain range above and below the benchmark interest rate. The car loan period of major banks generally does not exceed 5 years. The interest rate of car loans directly determines the cost of people's loans, and thus becomes an important factor in deciding whether people take loans for consumption. How to calculate the car loan interest rate? The formula for calculating the monthly car loan payment: A=P(1i)[(1i)^n-1]/n^2/iA: monthly payment P: total payment amount i: monthly interest rate ( Annual interest/12)n: Total number of months of payment (year × 12) Car loan type Personal loan car purchase business is divided into three types: direct customer type, indirect customer type, and credit card car loan. The direct customer type is generally a bank car loan where the customer meets directly for the loan, and the indirect customer type is generally a car finance company car loan where the auto finance company transfers the customer to the customer. For direct bank car loans, the fees collected are deposit, principal and interest, 3 guarantee fees, etc. The fees for high-quality bank customers will be discounted, but each bank's preferential policies are different. In addition to paying the above fees, Jianke Auto Finance Company's car loan also needs to bear regulatory fees, fleet management fees, and warranty renewal deposits. Another option is credit card car loans. Credit card installment car loans only provide installment payments to bank credit card users. It can be applied for any conditions, and there is an audit procedure. It is difficult for credit card users with bad credit records to apply. The specific steps for credit card installment car purchase are as follows: 1. The cardholder (or applicant) calls the bank's credit card center or goes to a local bank to find out whether he or she can apply for a credit card car loan. 2. The cardholder goes to the dealer with his/her identity document to fill out the car purchase installment order on site, and submits it to the bank's backend for review. 3. When the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures. 4. After the vehicle has a license plate, the cardholder needs to go through the mortgage procedures with the bank and purchase the required types of auto insurance. 5. Finally we can drive the car away smoothly.

3. What does the agency payment of a car loan mortgage mean?

1. The agency payment of a car loan mortgage means that the bank or financial institution helps pay the handling fee for the car fee.

2. Car mortgage loan refers to a loan issued by a bank to a borrower who applies to purchase a car in his or her name to pay for the purchased vehicle. The repayment method is a loan of principal and interest in installments.

Car mortgage loans generally have a term of no more than 5 years.

3. Car mortgage loan process:

a. Apply for a loan: The borrower fills out the loan application form and provides relevant information.

b. Loan review: After receiving the borrower's application and meeting the required information, the bank will review the credit status, repayment ability, and authenticity of the materials of the borrower and guarantor in accordance with regulations, and review Reply later.

c. Signing: After the bank reviews and approves the loan, the borrower goes through the following procedures:

The bank signs a loan contract and a guarantee contract with the borrower, and handles notarization, mortgage registration, insurance, etc. Procedures

d. Loan disbursement: After the borrower completes the relevant procedures, China Merchants Bank will issue the loan to the borrower's personal account and transfer the loan to the relevant payee account according to the borrower's entrustment.

4. How many years is the term of a general car mortgage loan?

Personal car consumption loans are now based on the "3-year 70%" system, which means that the down payment of 30% of the loan is the price of the car. 7 components and 3 years of unified "car mortgage"

10,000 yuan a year interest of 260

I am the personal car consumer loan business account manager

I happen to be Personal Automobile Consumer Loan Business Account Manager

Required information 1 ID card 2 Household register 3 Proof of income (if the operator provides a business license) 4 Proof of residence (a stamp from the property management is enough) 5 Bank Statement (go to the bank counter and ask for a statement, it will be done in one minute) 6 properties (provide them if you have them, if you don’t have them, you don’t need to provide them)

This is our company’s car mortgage fee for you to use as a reference and comparison , so as not to be deceived,

If you have any questions, please contact me and I will patiently explain it to you qq

Personal car mortgage loan: fee details

1 Guarantee fee: vehicle price × 1.1 × 2.5 (vehicle price below 70,000: vehicle price × 1.1 × 3)

2 Investigation fee: 400-600 (Note: 400 within the 3rd Ring Road in Chengdu area, 600 outside )

3 File management fee: 600 (Note: Car loan mortgages are generally "70% to 3 years", and all issues during these 3 years will be fully responsible and managed by our company)

4 Cost of production: 200