Any bank will do, such as Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank, Bank of China and Bank of Communications.
The premise of buying a car with a loan is whether 1 has a fixed job and real estate. 2 bank daily account. If you have a regular job. If there is no real estate, you can find a guarantor at will. The guarantor must have a regular job. Get these ready. You go to the garage and bring your ID card and household registration book. Just one person. Generally, the bank will conduct the audit from 7 days to 10 days. After that, you can get a loan. If it is an auto financing company, it will be faster. It usually takes two days. However, the interest rate is relatively high, and the most important thing is that if there is one, it will be approved by the company. He will call you to your home office to see if you really work in that office or something.
Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also called auto mortgage.
Loan target: The borrower must be a loan company with full civil capacity.
Loan conditions: ability to borrow loan principal and interest, good credit; Can provide recognized assets as collateral or pledge, or a third person with sufficient compensatory ability as a guarantor to repay the principal and interest of the loan and bear joint liability.
The loan amount generally does not exceed 80% of the price of the purchased car.
Loan Term: The loan term for automobile consumption is generally 1-3 years, and the longest is no more than 5 years.
Loan interest rate: uniformly stipulated by the People's Bank of China.
Repayment method: One-time repayment of principal and interest and installment repayment (equal principal and interest, average capital-a third person with sufficient compensatory capacity) can be selected as the guarantor to repay the principal and interest of the loan and bear joint and several liabilities.
Application conditions
Conditions for applying for automobile consumption loans To apply for automobile consumption loans, in addition to buying cars within a limited range from special dealers recognized by banks, car buyers who apply for automobile consumption loans also
(1) The car buyer must be at least 18 years old and a citizen of China with full civil capacity.
(2) Purchase relatively stable economic income or have assets that can be easily realized, so as to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.
(3) During the loan application period, the car buyer will deposit the car purchase down payment lower than that stipulated by the bank into the account of the bank savings counter.
(4) If the personal account is not local, the bank shall also provide joint and several liability guarantee, and the bank will not accept the mortgage set by the car buyer on the vehicle purchased by the loan.
(5) Car buyers are willing to accept other conditions deemed necessary by the bank.
Second, what bank is the car loan?
With the prosperity of the automobile era, there are more and more car owners in automobile-related industries, and of course, more and more banks handle automobile loans. Bank loans have become more and more popular in recent years, but what bank should I look for to buy a car loan? Which bank is the best for buying a car loan?
In fact, it is not clear which bank has a good car loan, mainly depending on whether personal conditions allow it. Comparatively speaking, the bank car loan interest rate is low, but the threshold is high.
The advantage of bank loans is that car buyers have a lot of choices. Banks generally do not restrict consumers to buy what brands and models of cars, and the loan methods are also very flexible. Moreover, the interest rate of bank loans is generally lower than that of auto financing companies, and you can also enjoy the preferential treatment of auto dealers.
The disadvantage is that the threshold is high and the application is difficult. Individuals applying for automobile consumption loans from banks need to provide a series of supporting materials, as well as mortgages and guarantees. When the scale of bank credit is tightened, individual banks may even suspend car loan business.
Which bank has a good car loan? This should be compared from the following points:
1. loan conditions: bank car loan, some require local hukou, some require local real estate, and some require both. Car buyers are most likely to get loans if they choose qualified applications.
2. Loan interest rate: With the shortage of bank car loan quota this year, the car loan interest rate will naturally rise. However, in order to attract consumers, the increase rate of auto loan interest rate is still different, and the auto loan interest rate also changes with the loan term. When buying a car with a loan, you can choose the lowest car loan interest rate according to your own loan period to achieve the purpose of saving costs.
3. loan cycle: the time cycle of bank car loan is usually about one month. Generally speaking, banks have regulations on the approval time of bank car loans, so car buyers can first understand and choose the fastest bank, so that they can pick up the car faster.
There are basic policies for handling auto loans, such as: the maximum loan ratio is 80%, the longest loan period is no more than 5 years, and the auto loan interest rate is adjusted according to the benchmark annual interest rate. Because.
4. Handling fees: compare the handling fees of various banks. When you choose "interest-free car loan", you'd better look at the handling fee, because when you apply for interest-free car loan, the bank is likely to charge the lender extra fees. For example, the bank will charge seven or eight thousand yuan for every transfer, which is probably not cost-effective.
Third, is it cost-effective to buy a car with a loan? Which bank is better? China Construction Bank, Industry and Commerce ...
Bank of Beijing