The central bank's commercial loan 1 to 5 years (including 5 years) has an annual interest rate of 4.75% and 80,000 36 installments, that is, 3 years. The monthly interest is related to the loan method.
The way of average capital, the monthly contribution ranges from 2538.89 to 225438+0.02 yuan;
The repayment method of equal principal and interest is adopted, and the monthly payment is 2278+0 yuan.
The loan interest rate of each bank fluctuates on the basis of the central bank's loan interest rate, and the interest rate of each bank will be different.
Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio between the loan amount and the principal given by the bank to consumers, that is, borrowers, to buy their own cars (non-profit family cars or commercial cars with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.
Type of automobile loan
Personal loan car purchase business is divided into direct passenger transport, indirect passenger transport and credit card car purchase loans. The direct customer type is generally a bank car loan for customers to meet and directly apply for loans, and the indirect customer type is generally a car loan for auto financing companies to transfer customers' car loans.
For direct bank car loans, the fees charged are deposit, principal and interest, 3% guarantee fee and so on. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.
In addition to the above fees, individual auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.
There is also a credit card car loan. Credit card installment loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records to handle.
The specific steps of buying a car by credit card by installment are roughly as follows:
1. The cardholder (or applicant) calls the bank's credit card center or goes to the local bank to find out whether it is possible to apply for a credit card car loan.
2. The cardholder holds the ID card to fill in the installment purchase order at the dealer and submit it to the bank for review.
3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures.
4. After the vehicle is licensed, the cardholder needs to go through the mortgage formalities at the bank and buy the required auto insurance.
Finally, we can drive the car away smoothly.
loan limit
The maximum loan amount generally does not exceed 80% of the price of the purchased car.
Letter of credit clause
1, with valid identification and full capacity for civil conduct;
2. Can provide a fixed and detailed address certificate;
3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;
4. Personal social credit is good;
5. Holding a car purchase contract or agreement approved by the lender;
6. Other conditions stipulated by the Cooperation Organization.