In Guangzhou, it has become a reality to drive a new car without money. A few days ago, Liangliangju, the fourth private automobile credit guarantee company in Guangzhou, was established to carry out the "zero down payment" business of car purchase. Last Saturday, CCB and AEC also launched a real "zero down payment" car loan. Recently, Guangdong Branch of Agricultural Bank of China quietly tried out a new type of "RV portfolio loan". The insiders believe that the introduction of zero down payment fully reflects the fierce competition in the car loan market, and a car loan war involving various commercial banks and joint-stock banks in Guangzhou has been staged.
CCB and AEC join hands to "zero down payment"
According to manager Wang Zhi of Liangliangju Company, as long as the owner meets the requirements and pays a certain handling fee, the company will ensure that he can get a "zero down payment" loan from the bank for car purchase. If this method needs the guarantee of a third-party company, then on June 9, in the relevant agreement signed between Dongshan Sub-branch of CCB and AEC Automobile City, a feasible zero down payment business for automobile loans began to surface.
"You only need to pay 805 yuan to own a new car. 808 yuan includes 500 yuan, notary fee 300 yuan and stamp duty 8 yuan (the tax is calculated according to 654.38 million yuan). According to Wang Zengjun, deputy manager of personal loan center of Dongshan Sub-branch, this is a loan business that combines personal consumption quota loan and car loan business. If the customer's credit rating in CCB is 3A, he will get a credit loan of 300,000 ~ 600,000 yuan; If the rating is 2A, you will get a credit loan of 654.38+10,000 to 300,000 yuan. If the credit line of these high-quality customers is greater than the car price, they can enjoy a mortgage loan of 100%.
It is reported that as soon as this loan car purchase model was announced that day, it attracted the interest of many people who visited the AEC auto show, and the information desk of the mortgage center was packed. In addition, there were many profit-making promotions for brand cars that day, and as many as 156 people signed the loan car purchase agreement on the spot.
Car loan competition is fierce.
Because the current "Measures for the Administration of Automobile Consumption Credit" clearly stipulates that the maximum loan ratio of automobile loans is 80%, and the zero down payment of house mortgage has long stopped, the behavior of some banks is obviously suspected of touching the policy minefield. But some bankers say this is just business innovation.
The head of the personal banking department of CCB Guangdong Branch told the reporter that in order to achieve the set goal of speeding up car loans during the year, the bank cooperated closely with AEC, the largest automobile city in South China, and applied to set up a branch in the city. At present, the outlet is waiting for the final approval of the regulatory authorities. What excites the bank most is that this outlet has also become one of the two payment points of vehicle purchase tax in Guangzhou. To this end, the bank also reduced almost all the fees in one breath.
Recently, Guangdong Branch of Agricultural Bank of China quietly tried to sell a new type of "RV portfolio loan", among which the most attractive one is the preferential interest rate. According to a person from the Golden Key Housing Mortgage Center of Guangdong Branch of Agricultural Bank of China, this business is mainly aimed at customers who have already handled housing mortgage business in Agricultural Bank of China. For example, a customer applied for a house mortgage loan of 300,000 yuan in China Agricultural Bank, and has already paid back 1.5 million yuan. This customer does not need to go through any mortgage or performance insurance procedures when applying for a car loan of 654.38 million yuan from China Agricultural Bank. The Agricultural Bank of China will issue auto loans according to the mortgage interest rate. However, the housing mortgage interest rate is more policy-oriented and the interest rate is lower. The five-year interest rate is only 4.77%, which is much lower than the car loan interest rate of 5.38% in the same period. If customers use provident fund loans, the mortgage interest rate will be as low as 3.6%.