Normal interest rates are the same, with annual interest rates of 7. 128, 100000 yuan and 7 128. I can help you, just contact me.
Take the mortgage loan from China Bank! ! Below is our website. 2. What information should Huizhou automobile mortgage bring?
1. automobile mortgage is a loan secured by a borrower's or a third party's car or self-purchased car, which is obtained from a financial institution or an auto consumption loan company. At present, the main purpose of loans secured by automobiles is automobile consumption. Of course, cars depreciate rapidly, and traffic accidents are likely to affect the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage. The emergence of Renrenbao, a service platform in automobile mortgage, has provided a new channel for people with private cars to borrow short-term financing.
Second, it is also called unsecured loan or credit loan. You don't need any collateral. You only need proof of identity, proof of income, proof of address and other materials (see the bank for specific proof materials) to apply for a loan from the bank. Banks issue loans according to personal credit, and the interest rate is generally slightly higher than that of secured loans. Customers can choose the loan term according to their individual circumstances, and then sign a contract with the bank, which is guaranteed.
Third, the conditions for buying a car are:
1. Have valid identification and full capacity for civil conduct;
2. Can provide a fixed and detailed address certificate;
3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;
4. Personal social credit is good;
5. Holding a car purchase contract or agreement approved by the lender;
6. Other conditions for car purchase in Shenyang stipulated by the cooperation organization.
3. What's the interest on Shenyang automobile mortgage?
Car loans are generally in the form of mortgage loans. The real estate license will indicate who the mortgagee is. But the right to use the car is still yours.
It is recommended to go to a regular bank or an auto financing company for a loan. Don't look
The "annual interest rate" of car loans of banks is generally 8- 10%, and the "annual interest rate" of auto financing companies is "12%- 15%", depending on different cities, loan terms and credit status.
4. What's the interest on the car mortgage loan? How is it calculated?
First of all, answer directly.
Automobile mortgage mortgaged the car to the bank to obtain loan funds, and paid interest to the bank as a reward after the loan was successful.
Second, the specific analysis
There are four factors that determine the amount of interest, namely, loan amount, loan interest rate, loan term and repayment method.
1. Loan amount: The appraisal institution cooperating with the bank in automobile mortgage conducts an overall appraisal of the mortgaged vehicles, and then determines a proportion based on the borrower's comprehensive credit conditions, which generally does not exceed 80% of the appraised capital at the highest.
For example, if a car is valued at 200,000 yuan, the bank can only give a loan of 1.6 million yuan at most.
2. Loan interest rate: The annual interest rate of auto mortgage loan is 15, 4.75%, and 4.9% for more than 5 years.
3. Loan term: The longest term of most automobile mortgage loans is 3 years, and some banks can provide a loan term of 5 years.
4. Repayment method: Generally, there are two ways: equal principal and interest and average principal.
But don't take it lightly when online loans are overdue. In addition to being collected, personal credit will also be affected, especially online loans with credit information. Once there is such an overdue record, it will seriously affect the handling of bank loans and credit cards in the future. Even if the processed online loan cannot be credited, you can access big data. Search: Xiaoqi Credit Information can inquire about your online loan history, overdue details of online loans, liabilities, untrustworthy information and online loan blacklist.
3. What's the interest on the car mortgage loan?
With regard to the interest on vehicle mortgage loans, different banks and lending institutions may implement different interest rates (subject to the approval results of the handling outlets).
At present, the benchmark interest rate of RMB loans is: short-term loans: 4.35% within six months, and 4.35% from six months to one year (including one year); Medium and long-term loans: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.90% for more than five years.
We also need to note that the difference between the loan amount applied for and the loan term chosen will also lead to different final interest.