At present, the national benchmark interest rate is 4.9% annualized, that is, the annual interest rate of financial loans for one year is 6% for two years, which is relatively cost-effective.
Second, the car financing loan process
After paying the down payment, the bank or financial company will lend to the 4S shop or the loan applicant himself.
How many years can I borrow a car loan?
The term of car loan is generally about 3 years, but it will not exceed 5 years.
Third, the process of buying a car with Dongben financial loan
Determine the car price at the store-submit the application-examine and approve-sign the contract after passing-lend money-and take it to the owner as a mortgage.
4. Dongfeng Honda financial loan process?
Under normal circumstances, as long as you have a good credit record and a stable income, you can handle it. The specific approval process is as follows:
1. The approver of Honda automobile loan reviews the compliance, feasibility and economy of each individual automobile loan according to the bank's personal automobile loan measures and relevant regulations and in combination with the national macro-control policies;
2. According to the borrower's repayment ability and the adequacy and feasibility of mortgage guarantee, analyze the expected benefits and risks that this business will bring to the bank;
3, according to the signed examination and approval opinions, do not agree with the loan should indicate the reasons for refusal;
4. If supplementary materials are needed before examination and approval, the name and contents of the supplementary materials shall be specified in detail;
5. If the loan is agreed or conditionally agreed, and the loan conditions are inconsistent with the contents of the loan plan submitted for approval, clear adjustment opinions shall be put forward;
6. After the loan approver signs the approval opinions, he will return the approval form together with relevant materials to the business department.