All right.
Lianchuang Car Loan is a company established and operated according to laws and regulations. The company is strong and has provided loan consulting services to hundreds of thousands of enterprises and individuals.
Lianchuang Auto Service Co., Ltd. was established on1October 365438+20 13. The legal representative is Gao Yang, and the company's business scope includes: development, sales and maintenance of automotive Internet of Things software technology; Network system integration; Automobile road rescue information service.
Introduction of auto financing company loan
With the increase of consumers' income and the introduction of policies to encourage automobile consumption, family cars are entering the public family at an extraordinary speed. Along with it, car loan products are also constantly innovating. As far as car loans are concerned, car loans can be provided in all consumer loan products provided by banks, but the market share of car loans is always low. The reason is that car loans are risky and the proportion of non-performing loans is much higher than that of mortgage business. At the same time, the amount of auto loans is relatively low, and the pre-loan and post-loan costs that banks need to invest are high, which also makes many commercial banks not interested in this business. Generally speaking, the loan form of finance companies is flexible and targeted. The loan interest rate provided by financial companies will generally vary according to the number of years of car loans, and the interest rate will fluctuate according to the down payment ratio of car buyers. Of course, the usual rule is that the shorter the loan term, the higher the down payment and the lower the loan interest rate. So, what are the auto financing loans?
Introduction of auto financing loan:
1. Toyota Financial Loan
Toyota Motor Finance (China) Co., Ltd. opened on June 65438+1 October1. Is a wholly-owned enterprise of Toyota Financial Services Limited in China. The new company is located in Beijing, and its business goal is to provide convenient and efficient auto finance services for Toyota car users and dealers.
Auto finance business involves auto insurance, finance, auto loans, used cars, auto supplies and other businesses.
2. SAIC-GM financial loans
SAIC General Motors Finance Co., Ltd. is jointly funded by General Motors Financial Services Company and SAIC Finance Co., Ltd. ..
Specific businesses include: accepting deposits from shareholders in China with a maturity of more than three months, providing auto loans, handling loans for auto dealers to purchase vehicles and operating equipment, transferring and selling auto loan receivables, borrowing from financial institutions, providing guarantees for auto loans, agency business related to auto financing activities, and other credit businesses approved by CBRC.
3. Shenlong Automobile Finance Loan
Shenlong Automobile Finance Co., Ltd. was established in August 2006, in which BOC Group Insurance Co., Ltd. holds 50% of the shares.
The company's business purpose is to provide financing for the dealers' inventory vehicles of Dongfeng Peugeot and Dongfeng Citroen, and to provide loans to the end customers who buy Dongfeng Peugeot and Dongfeng Citroen cars. As the parent company of BOC Group Insurance Co., Ltd., China Bank Co., Ltd. provides financial support for the joint venture company and shares its experience in personal car financing with other companies. China Bank's branches all over the country provide financial services for the company.
4. Volkswagen Finance Company
Volkswagen Finance Loan officially announced that it will launch auto loan business in China on June 5438+ 10, 2004. The preferred market is Beijing. Compared with commercial banks, the financial products they provide to consumers have no preferential prices, but their choices are more flexible. The loan audit of Volkswagen Finance Company is more humane than that of banks. Applicants are allowed to use the house purchase contract and loan contract as proof of real estate, and do not need to issue a real estate license.
At present, Volkswagen Finance provides two kinds of auto finance loan products for consumers to choose from: standard credit and Blum credit.
The former is not much different from commercial bank loans, except that the down payment ratio is increased from 20% to 30%, and the term is still up to 5 years. The more innovative is Blum Credit, which is suitable for consumers who want to borrow money to buy a car, but at the same time they don't want too much pressure on monthly payment. The monthly payment of Bailong Credit is about 15% lower than that of traditional credit. The reduction of monthly payment is realized by paying a final payment at the expiration of the contract, which does not exceed 20% of the total loan at most. If the down payment ratio is 30%, it is equivalent to 14% of the total car price.
5. Daimler-Chrysler auto finance loan
On June 2nd, 2005, 165438+ DaimlerChrysler Auto Finance (China) Co., Ltd. officially opened in Beijing.
Unlike the internationally renowned auto finance service companies such as General Motors and Volkswagen, which opened in China before, which only provide financial services for cars, the newly opened Daimler-Chrysler Auto Finance (China) Company is the first auto finance company in China to provide financing services for both cars and commercial vehicles.
6. Dongfeng Nissan Auto Finance Loan
Dongfeng Nissan Automobile Finance Co., Ltd. was established in Shanghai in March 2007. This financial company provides personal new car consumption credit business for customers who buy Nissan brand and British finidi brand cars, and also provides inventory financing for dealers who operate the above brands. The company will also strengthen the sales business of domestic and imported Nissan brand cars in China, and plan to launch auto finance business in major cities in China such as Beijing, Shanghai, Guangzhou and Wuhan before 20 10, and provide inventory financing for dealers who operate the above-mentioned brands of cars.
7. Volvo Car Finance Loan
Volvo Car Finance (China) Co., Ltd. was formally established in Shanghai at the end of August 2006. It is the first auto finance company in China to provide financial services for commercial vehicles and construction machinery, providing customers with financing, insurance, real estate and fund management services.
8. Fiat Auto Finance Loan
Fiat Auto Finance Co., Ltd. is a wholly-owned subsidiary of Italian FIDIS Co., Ltd. in China with a registered capital of 500 million yuan. Italy FIDIS Co., Ltd. is the financial service organization of Fiat Group Automobile Company, with 25 years of international automobile financial service experience.
Fiat Auto Finance Co., Ltd. will provide retail and dealer financial services for the full range of auto products produced and sold by Fiat Group in China, including products of independent brands and China partner brands. The passenger car brands it serves include not only Fiat, but also luxury cars and supercars such as Maserati and Ferrari. In addition, Iveco brand commercial vehicles (trucks and buses) and Case brand construction machinery will also enjoy the financial services of Fiat Auto Finance Co., Ltd..
9. Ford Auto Finance Loan
Ford Motor Finance Company started its business in China in the third quarter of 2005. At the initial stage of the company's establishment, it first launched the dealer inventory financing business to meet the needs of dealers to sell Ford brand cars in China, and at the same time tried out the consumer installment financing business in some markets.
Ford Motor Finance Company not only provides financial services for imported Ford products, but also supports the sales of Ford cars produced in China. Although it only provided inventory financing services to dealers selling Ford brand cars at the beginning, its dealer inventory financing business has since expanded to other Ford brands such as VOL, VO, Land Rover and Jaguar. It is understood that Ford Motor Finance Company will invest 654.38 billion US dollars in China.
Is German-Italian car loan a regular company?
German-Italian car loan is a regular company. Compared with ordinary car loan companies, Deyi car loan is more professional and humanized, with lower down payment and application threshold, more convenient procedures, and can pick up the car as soon as possible. The fly in the ointment is that the loan interest rate is relatively low, but not much.
Advantages: Germany and Italy will change most links such as approval and signing from offline to online. After the "second batch", electronic signing further shortened the whole business process.
Disadvantages: the loan interest rate is high, and the repayment interest rate is higher than other methods.
Deyi Car Finance was established in April, 2065438+2008. Adhering to the business philosophy of being virtuous and easy to operate, Deyi Car Finance is committed to providing convenient car loan products, auto insurance and other supporting value-added services for used and new car consumers. Just over a year after its establishment, German and Italian cars have gained a large number of "die-hard users". In September, the loan volume of Deyi Car increased by 35. 14% month-on-month and 33.4 1% year-on-year. The cumulative loan volume in the third quarter increased by 55% compared with the second quarter, and the markets all over the country generally achieved growth. The momentum is not strong. The reason is that German and Italian cars have been committed to meeting the needs of users and providing quality experience.
First of all, German-Italian car has a professional and efficient direct sales team covering all major cities in the country, helping consumers choose product combinations that meet their needs and personalities face to face. Secondly, Deyiche has a complete financial technology system-Fintech system, which provides complete support for the whole process before, during and after lending, including anti-fraud before lending, risk control invisibility, risk warning during lending, GPS electronic fence, loss repair after lending, contact map/network, etc. Finally, the German-Italian car has achieved batch production in stages! It has created a good shopping experience for car dealers and consumers to get the initial evaluation results in 30 minutes and lend money to pick up the car on the same day.
With the rapid development of the auto finance industry, there have also been some industry chaos, and some lawless elements have begun to take risks and seek ill-gotten gains. Deyiche expressed heartfelt thanks to the judicial organs in Lanzhou for their efforts to crack down on crimes according to law, and also reminded consumers that it is necessary to find a formal lending institution to handle second-hand car loans. Before signing the contract, you should read the liability clause carefully, and don't believe in the scams such as "benefit fee", so-called "zero down payment" and "no repayment" promised by the black intermediary. When they are cheated, please contact the relevant platform staff in time to avoid further losses. In order to build a healthy and good automobile financial market environment, Deyiche will constantly optimize its internal management norms and strictly control its own business behavior; At the same time, it will strengthen communication and cooperation with the police, constantly cooperate with the local police to crack down on illegal and criminal acts, eliminate the "cancer" of the industry, and maintain the economic order of the auto finance market.
The most formal car loan company in China
Regular mortgage car loans, worry-free car loans, Shenzhou car flash loans and Yixin car loans are all quite good.
1. Car loan: Car loan is a mobile phone software that provides automobile mortgage. As long as you have a car, you can come here to solve difficult situations.
Second, worry-free car loan: worry-free car loan is an online loan APP that does not take a car, with flexible term, extremely fast loan and high valuation.
Third, Shenzhou Car Flash Loan: Shenzhou Car Flash Loan is an online loan APP. You can borrow money if you have a car, and you can quickly lend money without taking a car.
Fourth, CreditEase Car Loan: CreditEase Car Loan is an ultra-practical online loan APP that can be loaned if you have a car. Friends who have cars and need money urgently can choose.
Conditions for handling automobile mortgage:
1. The applicant is required to be 25-55 years old and is currently stable.
2. The vehicle under its name has complete documents, and there is no guarantee at present.
3. For the mortgaged car, the bank requires that the car age is less than 5 years and the journey is less than 80,000 kilometers.
4. The current appraisal value of the mortgaged car should be above 70,000 yuan. Although the bank's interest rate is the lowest, it requires high qualifications for cars and borrowers, and the application period is long. If the qualifications are good, you can consider the bank. If the qualification is not good, you can consult the pawnshop.
This concludes the introduction of auto loan company, Cheduoduo Finance Loan Company and China Industrial and Commercial Bank. I wonder if you have found the information you need?