China Merchants Bank credit card auto loan application process is as follows:

1. If you have seen the car you need to buy through the car dealer and have cooperation with China Merchants Bank, you can apply for a car loan directly at China Merchants Bank.

2. If there is no cooperation, you can try to contact the personal loan department of the local China Merchants Bank directly, put forward your loan application, and the handling bank will determine whether it can be handled after reviewing your comprehensive situation.

Warm reminder, this variety is currently handled less in various cities, and it is recommended to purchase a car by credit card.

Second, is it risky to buy a car by stages?

There is no risk in buying a car by stages. Usually buying a car is divided into buying a car in full and buying a car in installments. The full amount is paid off in one lump sum, and buying a car by stages is paid back on time every month. Generally, it will be returned in three years and five years. You only need to bind a bank card and recharge it regularly every month. There is no risk in buying a car by stages.

Third, is it feasible to buy a car with a loan? Are there any risks?

First, there are two ways to buy a car with a loan. Both banks and tripartite platforms carry out car loan business.

Second, there is a difference between the bank and the three-party platform. The bank's loan interest rate is the most important, and the information needed for the loan is complicated. The convenience of the tripartite platform is the biggest advantage, but the loan interest rate is much higher than that of banks.

Third, the loan to buy a new car or an old car, the repayment ability of the loan to buy a car is a potential risk point, and the car needs to be temporarily mortgaged to a bank or a tripartite platform according to the loan period. If the borrower can't repay the loan normally, the lender has the right to dispose of the car according to the contract to repay the loan in arrears.

4. Is it feasible to buy a car with a loan? Is there any risk?

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Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers.

Loan to buy a car refers to the loan issued by the lender to the borrower who applies for buying a car. In fact, it is to borrow money from financial institutions to buy a car. However, financial institutions require car buyers to pay a certain percentage of down payment and provide proof of repayment ability. They have no bad credit record and must meet the requirements of financial institutions before they can apply for a loan to buy a car.

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Matters needing attention in buying a car with a loan are as follows:

Matters needing attention in buying a car with a loan are as follows:

1. Hidden expenditure needs to be known in advance.

Generally, this situation is easy to happen in secondary dealers. In fact, as long as consumers ask about the expenses included in the total price when booking a car, are there any other hidden expenses, such as new car inspection fees and delivery fees? And also pay attention to whether the loan contract is provided by the bank, so it is troublesome to use the hands-free car.

2. Installment car insurance binding

If consumers choose to buy a car by credit card, the general automobile dealer will ask the designated insurance company to handle the car insurance for a specified period of time, and consumers should pay attention to whether the car insurance price is acceptable.

3. No oral agreement is guaranteed

Unless consumers apply for unsecured credit loans in the bank and go to 4S stores to buy a car in full, other forms of loans will not get the discount of buying a car in full. At this time, car dealers often verbally promise various concessions to consumers, and the promises that don't fall on the pen are all on paper. In order to avoid future problems, consumers need to consider when choosing a car loan method.

4. The loan amount should be specified.

Generally speaking, with personal credit or joint liability guarantee, the maximum loan can be 200 thousand yuan; Apply for mortgage with the purchased vehicle or real estate, and the loanable amount is 70%; If a third party applies for secured loans (except banks and insurance companies), the loanable amount is 60%.

5. The repayment method should be clear.

Banks generally provide two repayment methods for users who apply for personal car loans: equal principal and interest and average principal. Among them, the total amount of interest paid by equal principal and interest is larger, but the repayment amount in each period is the same, and the repayment pressure is more balanced; The repayment amount of each period in the average capital is gradually decreasing. Although the total amount of interest expenditure is less than the equal amount of principal and interest, the amount of repayment in the early stage is large, so think twice about whether it can bear it.