Nowadays, many families choose bank car loans to buy cars. However, in the face of so many banks, most people don't know which bank has a good car loan. Today, I will compare the car loans of several banks to see which one is good.
Everbright Bank
The car loan of China Everbright Bank can provide you with a loan of up to 6.5438+0 million yuan, with a maximum term of 5 years. The down payment ratio of fuel vehicles is 30%, and that of new energy vehicles is 20%. In addition, the borrower is under 65 years old when the loan expires.
China Citic Bank
The longest loan period of CITIC Bank's new car consumption loan is 5 years, and the minimum down payment is 20%. In addition, there are a large number of car brands with zero or ultra-low interest. After you apply for a loan through CITIC Bank official website, mobile banking, cooperative dealers and other channels, you will be approved within 2 working days.
Shanghai Pudong Development Bank
The automobile consumption loan of Shanghai Pudong Development Bank can provide loans for up to five years, with 20% down payment for domestic cars and joint venture cars and 30% down payment for imported cars. Shanghai Pudong Development Bank requires borrowers not to be over 60 years old on the loan maturity date.
China Merchants Bank
The personal car loan of China Merchants Bank can provide you with a loan of up to 2 million yuan, with a maximum term of 5 years and a minimum down payment of 20%. The loan can be completed the next day at the earliest. For friends who have better jobs, there is no need to pay the guarantee fee or the performance guarantee insurance fee.
Bank of China
The personal consumption car loan of China Bank divides customers into ordinary customers and high-quality customers. The down payment ratio of ordinary customers is 40%, and the longest loan period is 3 years. The down payment ratio of quality customers is 30%, and the loan period is up to 5 years.
Comparing the above five banks, it is not difficult to see that the loan amount can basically meet everyone's needs. For friends with a small down payment, CITIC Bank, Shanghai Pudong Development Bank and China Merchants Bank are all good choices.
Which bank has a good car loan? Which bank has an advantage?
Many people are entangled in whether to buy a car in full or by loan, and what kind of loan method to choose. Rong 360 tells you which bank has a good car loan? Which bank has an advantage?
Car loan methods have their own advantages and disadvantages.
At present, the channels of car loan are banks and auto financing companies. Among them, banks include traditional car loans and credit card installment payments. There are many kinds of traditional car loan business, so customers who choose "direct customer" business can borrow money first and then buy a car; Customers who handle "private" business first choose a good car and then apply for a loan through a car dealer.
The person in charge of a 4S shop of Nanjing FAW-Volkswagen said that the credit card installment business is popular at present, and the threshold is low. For cooperation with specific car dealers, such as buying Volkswagen, the loan method can choose the credit cards of China Merchants Bank and China Construction Bank. In the field of consumer loans, real estate can be mortgaged, loans can be obtained, and cars can be bought. There are also unsecured consumer loans such as Jiangsu Bank, which are unlimited in use and can be withdrawn after approval.
Under the "enthusiasm" offensive of bank car loan products, car dealers are also vigorously promoting car loans. For example, FAW-Volkswagen launched the derivative service platform of "financial engine", and successively launched "0 interest rate loan scheme", "China Merchants Bank Car Purchase Easy" and "Minsheng Bank Car Purchase Link".
According to industry insiders, the credit card installment form is fast but the amount is small, the term is short, and the loan for more than 3 years is a bit expensive; The advantage of auto financing company loans is that car dealers can make a profit, but they can't cover all car brands; For the traditional automobile mortgage, people in the industry said that the variety is complete, the quota is high and the term is long, but the disadvantage is that the loan is slow.
One-day loan "favored"
There are still many people who say that interest-free loans are attractive, but people in the industry remind that we must be "careful" to truly save money. For example, a salesperson of a 4S shop in Nanjing said that the loan to buy a car is generally less than 6,543,800 yuan, and you can enjoy an interest-free loan within one and a half years, but you need to pay a handling fee of three points; For the installment of bank credit cards, in some banks, you must also buy theft or full insurance to enjoy interest-free loans. This may not save money in the end. The person in charge of the car loan retail department of a joint-stock bank in Nanjing said that the car loan interest rate will fluctuate according to the credit status of the loan and the benchmark interest rate of the central bank loan.
The lending time of car loans is also a concern of many people. Different loan methods have different loan time. It takes about a week to lend money in a bank and two to three days in an auto financing company. At present, the fastest car loan product on the market is the "lightning loan" of China Merchants Bank. Through the PAD mobile operating platform, the application can be completed in 20 minutes. As long as the information is complete, the pre-approval can be realized in 5 minutes, and the loan can be released within 24 hours. Backstage approval is carried out at the headquarters, and relying on the advantages of internet finance, the loan application of car buyers can be completed quickly. According to the relevant person in charge, this project is currently cooperating with the top ten luxury car brands, and the loan can limit the models and car dealers, greatly increasing the choice of car buyers.
At present, there are many popular ways to handle car loans. The loan interest rate is different, and the payment speed varies from half a month to several days. The one with the fastest payment can get a loan in one day, which is called "lightning loan". You can judge how to apply for a loan according to your own needs.
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What bank's credit card can lend money to buy a car? Share three credit card car loan products
Go to the bank to apply for a car loan, one is to apply directly, and the other is to apply for a credit card loan to buy a car in installments. If the borrower holds a credit card of a bank, the possibility of handling a car loan will increase a lot. What bank's credit card can lend money to buy a car? Share three credit card car loan products with you!
What bank's credit card can lend money to buy a car?
1, China Construction Bank Longka Car Loan
CCB Longka Car Loan is a car installment loan product, which can only be applied by users who hold CCB Longka. The borrower first needs to go to the dealer to choose a car, then determine the car price with the dealer and prepare the car loan contract. Then, the borrower takes the dragon card, ID card and other materials to the bank to fill out the application form for car purchase by installment.
After about 5 working days, you will receive the approval notice from CCB. Wait patiently for about 3 days, and CCB can lend money. After that, the borrower can take the dragon card to the 4S store to pay the final payment. CCB Longka car loan is essentially a car loan product, which does not conflict with the credit card quota.
2. China Merchants Bank is easy to buy a car
China Merchants Bank Car Purchase Easy is a credit card loan installment car purchase product under China Merchants Bank. Before applying for China Merchants Bank to buy a car, the borrower needs to prepare at least 30% down payment ratio. After the loan application is successful, the borrower needs to buy auto insurance in the bank, and the vehicle is mortgaged to the bank before the repayment is completed.
3. China Agricultural Bank Kajie Loan
There is no specific requirement for borrowers to hold ABC credit cards, but if they hold credit cards, the pass rate will increase. Agricultural Bank of China's Kajie loan has a maximum loan amount of 3 million yuan, which belongs to mortgage loan and can be used for car purchase, with the longest installment of 5 years.
The above is the related content sharing of "What bank's credit card can borrow money to buy a car", hoping to help everyone!
Which bank has a good car loan? These four families are all very good!
Nowadays, many people have the conditions to buy a car, but the pressure of one-time payment is relatively high, so they can choose to repay by installments. Now many banks have car loan services. Which bank is better? Which bank is more cost-effective? Take a brief inventory of a few familiar ones.
1, Ping An Bank
A bank has car loan service, and the amount of a single loan is as high as 500,000 yuan. The down payment requirement is low, and you can apply for a loan as long as you can pay 20%. After completing the mortgage loan, you can realize rapid lending within one day.
2. China Merchants Bank
China Merchants Bank can provide the lender with a loan of up to 2 million yuan, but the repayment period shall not exceed five years. After calculation, the monthly repayment amount is relatively high. The down payment ratio is at least 20%, and the loan can be completed within one day at the earliest. If the personal salary conditions are better, the approval amount will be higher.
3. Bank of China
As one of the four state-owned banks, China Bank has a loan term of no more than three years, five years for quality customers, a down payment ratio of more than 40% for general customers and a minimum down payment of 30% for quality customers. Ordinary customers are not lower than the benchmark interest rate, and the interest rate of high-quality customers is not lower than 10%, which is higher than other banks. Only high-quality customers can enjoy some rights and interests.
4. China Construction Bank
The purchased vehicle is a self-use vehicle, and the longest loan period is no more than 5 years; The purchased vehicle is a commercial vehicle with a loan term of no more than 3 years; Minimum down payment of 20%; As for the loan interest rate, it shall be implemented in accordance with the loan rules stipulated by CCB.
In short, bank loans are very cost-effective, and other banks have similar car loans. You can choose freely according to your own conditions and requirements. It is more cost-effective to give priority to state-owned banks.
The introduction about which bank lends money to buy a car and which bank has the lowest interest rate ends here. I wonder if you found the information you need from it?