Automobile loan belongs to consumer finance, so it can also be called automobile consumer finance. Automobile consumption finance usually refers to the combination of automobile finance and consumer finance, which provides installment payment for car buyers, financing for automobile industry chain companies, and financial services for car owners' mortgage loans and personal consumption in the automobile aftermarket.
The installment loan interest of consumer finance is relatively high, and the pressure on the asset side can be alleviated to some extent through automobile consumption finance. Consumer finance companies applying for car loans are the same as applying for car loans in banks. Users must have good credit information to apply.
The post responsibilities of auto finance are: responsible for the storage and distribution of cash and bills; Pay all kinds of money to the company in strict accordance with the company's financial system; Timely and accurately register cash and deposit journals; Responsible for monthly reconciliation with banks, preparing bank reconciliation forms, maintaining bank accounts and online banking services; Responsible for monthly tax returns; Responsible for the issuance of various business invoices and pass them to relevant document makers.
Auto finance is a payment method that consumers can directly apply for preferential payment from auto finance companies when they need loans to buy cars, and they can choose different models and different payment methods according to their personal needs. Compared with banks, auto finance is a new choice for car purchase. Automobile finance is the combination of automobile industry and finance, and it is an important field of financial industry.
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Loans, cars, cars and finance: loans from financial companies or bank loans?
In view of this question, "whether the car loan is a finance company loan or a bank loan", it depends on personal choice. If you choose a finance company loan, it is a finance company loan; if you choose a bank loan, it is a bank loan.
The advantage of bank loan is that there is no vehicle type restriction, and the repayment time can be flexibly selected between 2-5 years in theory, which is especially suitable for high-quality or high-end customers. The advantage of financial loans is that they are usually flexible and can be used in stages to meet the needs of customers. Generally, it is not easy to apply for a car loan with a three-year repayment by credit card, but it is relatively easy for an auto financing company to apply for a longer repayment period, usually around three years, which relieves the pressure on car owners to some extent. At present, the most common loan to buy a car on the market is probably two modes, one is to find a bank loan in the traditional mode; The other is financial loans. Generally, users who choose this kind of "overdraft" consumption have stable income, so there is no saying whether it is desirable or not.
Consumers need to choose according to their own needs when choosing:
1. Bank loan The first thing to consider when buying a car with a bank loan is the interest rate. Although all loans have to face the interest rate problem, looking for a bank loan means that the interest rate is regulated by the central bank's benchmark interest rate, followed by the down payment ratio, and the bank will require a down payment of 30% to 40%. Under normal circumstances, the longest period for finding a bank car loan is 5 years, and the longest period for used cars and commercial vehicles is 3 years. At the same time, the annual interest rate of banks is generally 4.35%, which is 4.75% within one year and five years.
2. Factory Finance Generally, the annual loan interest rate of a regular auto finance company is around 8%- 12%. If you are lucky, you may even get an interest-free loan to buy a car when you meet a manufacturer to do activities. Manufacturers' financial down payment will be much looser, and many of them will start at 20% or even lower. Compared with bank loans, the biggest advantage of factory loans is that the approval is relaxed, the threshold is relatively low, and sometimes even credit loans can be made. The speed of lending can be said to be his most obvious advantage.
Where can I apply for automobile mortgage?
At present, there are two kinds of companies handling automobile mortgage in the market, one is a consumer finance company in the banking system, and the other is a micro-loan company and a car financing leasing company. These two platforms are loan channels licensed by national financial institutions and supervised by the State Financial Supervision Bureau. They are legal and compliant and can be handled with confidence on these platforms. Need money badly? Find a safe way! You can get a loan if you have a car! Amway is recommended as a loan for car mortgage. Amway Financial Leasing Co., Ltd. provides customers with professional short-term capital demand solutions, which can meet customers' needs in time, fully and continuously, and solve customers' real needs in a "professional" spirit, whether parking or not.
Usually, banks can provide automobile mortgage, which is a very common loan mode for banks. For applicants, the interest applied in other places is relatively high, and the interest applied in banks is relatively low. However, it should be noted that the requirements of banks are relatively high and the lending period is relatively long. If the applicant's comprehensive qualification is not good or he is in urgent need of capital turnover, he can apply for vehicle loans such as financial leasing companies. The loans of auto financing leasing companies are direct loans, and the threshold will be relatively low. Applicants with poor qualifications can try.
Want to know more about car mortgage, it is recommended to consult Anmeitu car loan. You should choose a regular company for car loan. Anmeitu is headquartered in Shanghai, backed by the strong financial strength of Anmeitu Group, and you can borrow if you have a car. It is a professional one-on-one service with reasonable and transparent fees and clearly marked prices. Relieved and reliable, the mortgaged vehicle is stored in a closed indoor garage, which is all-weather safe. You can do it without a car, and you can manage it if you get the money. Generally, loans can be made on the same day. The maximum loan amount is 8- 10%.
My China Post consumer finance loan was approved. Can it be used to buy a car?
Yes, as long as you pass the bank card, the money is equivalent to your free disposal, as long as you repay it on time.