Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. The actual interest rate of car loan is determined by the handling bank according to the actual situation of customers and with reference to the benchmark loan interest rate stipulated by the central bank. There are three types of car loans: direct customer loans, inter-customer loans and credit card car loans. The term of car loan is generally 1-3 years, and the longest is 5 years.
Two, the borrower must be a permanent resident of the lender's location, and have full capacity for civil conduct. The actual interest rate of car loan is determined by the handling bank according to the actual situation of customers and with reference to the benchmark loan interest rate stipulated by the central bank. Generally, customers with excellent conditions can enjoy the benchmark interest rate or float about 10%, while ordinary customers need to float about 10% on the basis of the benchmark interest rate. Personal loan car purchase business is divided into direct customer loans, inter-customer loans and credit card loans. The direct customer type is generally the bank car loan directly encountered by the customer, and the intermediate customer type is generally the car loan from the auto finance company to the customer.
3. For direct customer bank car loans, the fees charged include deposit, principal and interest, 3% guarantee fee, etc. There will be preferential treatment for high-quality customer fees of banks, but the preferential policies of each bank are different. In addition to paying the above fees, the inter-customer auto financing company also needs to bear the supervision fee, fleet management fee and warranty renewal deposit. And credit cards, car loans. Credit card installment loan only provides installment payment for bank credit card users and does not provide any conditions. There is also an audit procedure, which is very difficult for credit card users with bad credit records.
Fourth, after the car loan is successfully handled, it must be repaid on time. Only by saving enough money before the deduction date every month can the bank recover the loan smoothly. However, if the deduction is unsuccessful that day, it will be deducted again, but it may still be overdue. The deduction time of each bank is different, but the repayment date is only deducted once. Some banks deduct money from the early hours of the morning, and some will deduct money after 17:00. In order to ensure the smooth deduction, it is recommended to deposit enough monthly payment in the repayment card one day before the deduction date. If the deduction is unsuccessful that day, the deduction will be made again every day from the second day of the repayment date. How much to deduct according to the reason, until the monthly payment of the month is deducted. Anyway, as long as the monthly payment is not paid off, it will be deducted every day.