What is the general interest rate for car loans?
The loan interest rate is generally around 4%- 10%:
1. The car loan is not fixed. According to the regulations of the central bank, car loans implement the benchmark interest rate, but financial institutions can float within a certain range of the benchmark interest rate;
2. The term of auto loans in major banks is generally less than 5 years, and the interest rate of auto loans directly determines the cost of people's loans, thus becoming an important factor in determining whether people make loan consumption;
3. The loan term for general automobile consumption is 1-3 years, with a maximum of 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year.
What companies are there in Chengdu auto mortgage loan?
One: Chengdu prospers and benefits.
Chengdu Xingbaihui Loan Company was established on 20 12 and has been rooted in Chengdu for six years. At present, the company's business involves loan services, credit loans, mortgage loans, mortgage loans, mortgage loans and so on. , providing more than 65,438+000 kinds of loan products, establishing strategic partnership with 268 lending institutions, providing professional services to more than 65,438+020,000 customers in six years, and accumulating loans of 22.5 billion yuan, which is a good choice for Chengdu friends to solve problems.
Two: An Meitu
At present, the market layout of Anmeitu has covered Shanghai, Chengdu, Beijing, Guangzhou, Shenzhen, Xi, Kunming, Chongqing, Wuhan, Shihezi and other 10 cities. During this period, Shanghai Group's headquarters was transformed into 20 13, which started the pace of national expansion. 20 15 Chengdu, Xi' an, Chongqing and Xinjiang branches opened one after another; On 20/0/6, KLOC opened five stores and set up branches in Wuhan, Shenzhen, Beijing, Kunming and Guangzhou. In 20/0/7, KLOC opened two branches in Shanghai, Minhang and Pudong, and initially completed the nationwide 13 store layout. Anmeitu is committed to becoming a benchmark enterprise in the financial leasing service industry.
Three: Jin Ju Pawnshop
Sichuan Jinju Pawnshop Co., Ltd. was incorporated in Sichuan Administration for Industry and Commerce on February 28th, 2005 with a registered capital of100000. During the 14 years of the company's development, we have been providing customers with good products and technical support and perfect after-sales service. Our company is mainly engaged in pawn business (pawning of movable property and real estate such as automobiles, real estate and luxury goods). Tel:18140228813 (projects that need to be approved according to law can only be operated after being approved by relevant departments).
The company has a group of financial risk control experts, luxury appraisers and perfect after-sales team, which provides senior strength for the company's operation. After years of deep cultivation in the industry, we constantly explore the development direction and innovate new models. Up to now, various businesses have been steadily promoted, including pawn business such as automobiles, houses, watches, bags, jewelry, gold bricks and stones, digital products, equity, and bank acceptance bills. Give full play to the role of pawn in helping private capital turnover. Jin Ju pawnshop has been trusted by customers for many years and received favorable comments from the industry. At present, it has been successfully incorporated into the governing unit of Sichuan Pawnshop Association and the member unit of Chengdu Pawnshop Association. Everyone can give priority when dealing with it.
Four: Juxin Automobile
Juxin Automobile, a local car loan service company in Chengdu, has rich experience in financing loan services such as used car mortgage loan and mortgage car loan. Because it has been focusing on the local market, the car loan procedures of Juxin Automobile are quite convenient. No matter whether it is a car or not, no matter how much the loan amount is, it really achieved the loan on the same day. Moreover, the interest rate is reasonable, and there is no credit inquiry and electronic audit, which avoids complicated processes and procedures and helps customers save valuable time. Is a professional car loan service company operating by word of mouth.
V. Microfinance Network
Micro-loan network is the first P2P online lending platform for Internet finance in China. Micro-loan network is committed to building a professional, standardized, safe, efficient and honest peer-to-peer lending car mortgage intermediary platform. Through this intermediary platform, loan users can quickly raise private funds to achieve short-term loans, and investment and wealth management users can bid through the platform to achieve short-term effective personal investment and wealth management.
Six: Top level
Chengdu Ding Guagua Investment Group Co., Ltd. was born in 1996. After 20 years of development, it was listed on 20 14. Headquartered in Chengdu, Sichuan Province, the company has branches in Beijing, Shenzhen, Guangzhou, Chongqing and other cities, with an office area of10.5 million square meters and more than 3,000 employees. With the mission of "realizing the dream of starting a business and helping the development of enterprises" and the service cycle of the growth stage of enterprises, Top-Top meets the market demand of different periods, enterprises and levels.
Seven: Xin car loan
Sichuan New Car Loan, established in February 20 15, is one of the independent brands of Sichuan Economic Development Technology System Engineering Co., Ltd. ... Sichuan New Car Loan is a legal and compliant investment and financing information service platform approved by relevant departments. Shareholders and management of the company are industry experts with many years of experience in financial lending business, financial planning, risk control and private lending. In the years of operation, the company has been exploring and innovating the lending model, providing transparent, open, direct and safe lending transactions for all customers to the maximum extent, and is committed to providing comprehensive lending brokerage information services for both borrowers and borrowers with a scientific and rigorous attitude.
Eight: Yiyin.com
One sound. Com, a leading Internet financial platform and a leading P2P financial information intermediary service platform for peer-to-peer lending, is funded by Softbank China Capital and operated by Shanghai E-Bank. The platform of com Financial Information Service Co., Ltd. adheres to the principle of transparency, professionalism and temperature, and takes the Internet as the main channel to provide information collection, information release, credit evaluation, information exchange, loan matching and other services for both borrowers and borrowers, so as to realize direct lending.
Nine: Ping An Bank
Ping An Bank is a national joint-stock commercial bank headquartered in Shenzhen. Its predecessor, Shenzhen Development Bank, is the first publicly listed national joint-stock bank in China. China Ping An and its holding subsidiaries are the controlling shareholders of the Bank. By the end of 20 19, there were 34,253 employees, providing various financial services to customers through 9 1 branches and 1 0,058 business institutions nationwide.
Ten: Easy Loan Network
Easy Loan Network is one of the most professional Internet financial platforms in China. Combining the development of inclusive finance and the innovation of Internet technology, we will provide professional and fast loan services for individuals and small and micro enterprises to help them solve their financing problems. Up to now, the platform covers 37 1 city in China, with more than 2 million registered users, and provides tens of billions of loan services to various customers every year.
The above is the ranking of the top ten automobile mortgage companies in Chengdu compiled by Jin Ju Pawnshop (in no particular order). If you have any other questions about car mortgage, please contact us @ Chengdu Jin Ju Pawnshop.
Chengdu's latest housing purchase policy
Notice of Chengdu Urban and Rural Real Estate Administration Bureau, Chengdu Financial Work Office, Sichuan Supervision Bureau of China Banking Regulatory Commission and Business Management Department of Chengdu Branch of People's Bank of China on Further Strengthening Risk Management of Real Estate Market and Housing Credit Business
Chengfangfa [2017] No.45
All relevant units:
In order to further implement the Notice of the General Office of Chengdu Municipal People's Government on Forwarding Several Measures to Promote the Stable and Healthy Development of the Real Estate Market in Chengdu (No.2016) and the Notice on Printing and Distributing Some Policies and Measures to Further Promote the Healthy Development of the Real Estate Market in Chengdu (No.2016), The Notice on Perfecting the Housing Purchase Restriction Policy in Our City (Cheng Ban Fa [2065]10) and other documents require strengthening the management of the real estate market, preventing the operational risk, credit risk and compliance risk of housing credit business, and promoting the stable and healthy development of the real estate market. The relevant matters are hereby notified as follows:
First, strictly regulate the real estate business behavior.
Real estate development enterprises are not allowed to buy land without building it, build it without selling it, and so on. It is not allowed to raise the house price in disguise by means of false decoration or inflated decoration price. If the applicant fails to apply for the pre-sale permit within 30 days or fails to accept the pre-sale declaration price guidance, the housing management department shall not accept the application for the pre-sale permit within 1 year. Real estate development enterprises and intermediaries may not provide or cooperate with companies and other institutions to provide illegal financial products and services such as down payment loans, fake mortgages, foreclosure loans and final payment loans. Do not engage in or assist in false housing transactions, do not provide false certification materials or assist in forging income certificates, do not misappropriate or assist in misappropriating funds for pre-sale of commercial housing and stock housing transactions, and do not evaluate the real value of real estate and assist in overestimating or defrauding loans.
All banking institutions should effectively regulate the cooperation with real estate development enterprises and intermediaries, improve the withdrawal mechanism of cooperation, openly hire real estate price assessment, brokerage, consulting and other intermediaries to cooperate through the Chengdu real estate industry credit information platform, strengthen the restraint and assessment of real estate development enterprises, intermediaries and other partners, and avoid credit and moral risks. If the above-mentioned illegal acts are verified by the relevant departments, all banking institutions shall immediately terminate their business cooperation with real estate intermediaries, and shall not allocate subsequent credit funds or increase new credit before the real estate development enterprises rectify and correct them. All banking institutions and companies shall not cooperate with real estate intermediaries that have been handled by relevant departments and judicial institutions within 2 years.
Two, strictly implement the real estate credit control measures.
Chengdu Branch of the People's Bank of China, together with Sichuan Banking Regulatory Bureau, guides the self-discipline mechanism of market interest rate pricing in Sichuan Province to adjust the differentiated housing credit policy in Chengdu. All banking institutions should conscientiously implement and strictly implement differentiated real estate credit control policies, cooperate with Chengdu's real estate control work, and promote the stable and healthy development of Chengdu's real estate market.
The financial supervision department will conduct regular inspections and spot checks on the implementation of real estate credit control policies in Chengdu's housing purchase restriction areas in a timely manner, and will seriously hold the illegal institutions accountable.
Third, strictly examine the legality of housing loans.
All banking institutions should check the online signing of commercial housing sales contracts and stock housing sales contracts through the online signing system of housing transaction contracts before the qualification examination of housing loans to identify the authenticity of housing transactions. Those who have not signed online will not be accepted temporarily, and credit risk will be strictly controlled.
Fourth, strictly implement mortgage standards.
In the process of housing credit business audit, all banking institutions should check the Chengdu real estate file information system, the online contract system for housing transactions and the basic database of personal credit information of the People's Bank of China in strict accordance with the regulations, and file the housing records and commercial housing loan records of housing loan applicants for future reference.
Verb (abbreviation of verb) strictly examines the source of down payment funds.
All banking institutions shall strictly implement the requirements for the authenticity inspection of down payment funds in accordance with the relevant provisions of the Notice on Further Strengthening the Management of Housing Credit Policy (Cheng Yinfa [2065 438+06] 188) issued by Chengdu Branch of China People's Bank and Sichuan Supervision Bureau of China Banking Regulatory Commission. It is strictly forbidden for buyers to increase the leverage of buying houses in disguise and break through the housing credit policy by paying down payment loans, personal consumption loans, personal business loans and credit card overdrafts.
Sixth, strictly examine repayment ability.
All banking institutions should strictly implement the policy requirement that the monthly income ratio should not exceed 50%, strengthen the audit of the income proof materials of buyers, and prevent the risk of investment speculation and credit. If the purchaser provides false proof of income or does not meet the requirements of monthly income ratio, no loan may be granted. For borrowers who are adults, unemployed and have no fixed income, commercial banks should further tighten the conditions of housing loans and increase the down payment ratio of borrowers accordingly.
Seven, to prevent speculation.
From now on, newly purchased houses (including commercial houses and second-hand houses) in the housing restricted area of our city must obtain the certificate of immovable property rights for three years before they can be transferred. All banking institutions should strengthen the management of individual housing loan business, urge branches and outlets to strictly abide by the self-discipline requirements determined by differentiated housing credit policies and self-discipline mechanisms, and must not provide loan support for speculative real estate speculation, and must not issue housing loans to buyers who do not have the qualification to purchase houses in violation of regulations, and must not issue loans in violation of housing loan conditions and loan proportions, and must not pay the pre-sale amount of commercial housing in violation of the supervision agreement on pre-sale funds of commercial housing. Branches that violate relevant regulations must be corrected in time and dealt with severely.
This notice shall come into force as of April 65438+ 2007.
I hereby inform you.
Chengdu introduced the latest purchase restriction policy to strictly regulate the real estate business behavior; Strictly guard against speculative real estate speculation and prevent house prices from rising too fast.
What creditworthy loan companies are there in Chengdu?
Chengdu not only has a rapid development of the real economy, but also the financial sector, especially in terms of credit. Among many lending institutions, what are the good credits of Chengdu Loan Company? The following are several large-scale formal loan companies with good reputation in Chengdu for your reference.
Chengdu Gao Xin Jin hong technology co., ltd
Chengdu Gaoxin Jinhong Technology Co., Ltd. was jointly established by Chengdu Industrial Investment Group and Chengdu Gaotou Group on April 30th, 20 10 with a registered capital of 300 million yuan. Since its establishment more than six years ago, the company has provided nearly 9 billion yuan in financial support for small and medium-sized enterprises and supported more than 500 small and medium-sized enterprises. With its strength, Jinhong became the first batch of pilot enterprises of science and technology microfinance in Sichuan Province from June 2065438 to June 2006.
Sichuan hanhua company limited
Since the establishment of Sichuan Hanhua Co., Ltd. on May 9, 2009, it has always adhered to the business characteristics of "small amount and dispersion" and provided customers with fast, simple and unsecured credit loans. With its professional credit service, Sichuan Hanhua Small Loan has established a broad and good reputation and won the titles of "Top Companies in China 100, Most Potential Companies in China and Excellent Companies in the Region".
Chengdu high-tech chuanshang co., ltd
Chengdu Gaoxin Chuanshang Co., Ltd. was established on February 20, 20 165438 with the approval of Chengdu Industrial and Commercial Bureau and Chengdu Financial Office. It is the only strategic partner of Sichuan Mobile in the field of mobile phone staging in Sichuan, and it is also one of the small loan companies serving the largest number of customers in Sichuan. The average loan amount of small and micro loans is about 3,000 yuan, which has served nearly 200,000 customers.
These are all reputable loan companies in Chengdu. Of course, there are more than four loan companies in Chengdu that are loved by everyone and will continue to be updated in the future. You can go first.
Look around to see if there are any satisfactory loan products, or click Apply directly!
20 16 Chengdu provident fund loan can be loaned for up to 30 years.
The adjustment of housing loan in Chengdu area, the maximum amount is 700,000, and the longest service life is extended to 30 years, which reduces the monthly supply pressure of citizens. Citizens who meet the bidding conditions can go to the Housing Authority for details.
The adjustment of provident fund loan policy involves many aspects, such as loan term, loan amount, multiple of loan funds linked to deposit balance and so on. First, extend the "loan term", and increase the maximum term of the current personal loan from 20 years to 30 years, which should not exceed the legal retirement age in principle.
The relevant person in charge of the provident fund center calculated an account and repaid the principal and interest in equal amount. According to the adjusted maximum loan amount of 700,000 yuan, after 20 years of loan, the buyer will repay RMB yuan every month. After the loan period is increased to 30 years, the buyers only need to repay RMB per month, which will reduce their expenses by RMB.
The maximum application is 700,000.
Secondly, the New Deal adjusted the "loan quota", changing the maximum loan quota without difference into differentiated loans, with the maximum loan quota of 600,000 yuan, which was transferred to the families of two or more employees who met the housing provident fund personal housing loan conditions, and the maximum single loan quota was 700,000 yuan (two or more employees paid the provident fund); The maximum loan amount for a single employee family is 400,000 yuan (one person pays the provident fund).
As far as the reality of Chengdu is concerned, the houses purchased by single employees are generally small-sized units below 90 square meters. According to the average price of commercial housing in Chengdu, the loan of 400,000 yuan is completely sufficient; At the same time, the differentiated loan policy truly embodies the principle of equality of rights and obligations, fairness and justice. The relevant person in charge of the Provident Fund Management Committee stressed that "the differentiated loan policy embodies the principle of equality of rights and obligations and fairness. If 1 person pays, you can only enjoy the loan right of 1 person, otherwise it will be unfair to other depositors. "
Cancel the secured loan
Reduce the hook multiple by 30 times and adjust it to 20 times.
The New Deal adjusted the multiple of loan funds linked to deposit balance from 30 times to 20 times. "In other words, the balance of the account, multiplied by 20 times, is the amount that employees can borrow." At the same time, the policy of "a loan applicant with a deposit balance of less than 6,543,800 yuan+0,000 yuan can borrow 300,000 yuan regardless of the balance-linked multiple" was cancelled.
The person in charge of the provident fund center analyzed the data of 20 15 as a sample. "According to the calculation of 400,000 yuan per capita for provident fund loans, canceling the guaranteed loan can benefit about 9,375 paid employees more than the previous policy, so that more employees who just need it can enjoy the advantages of the provident fund system."
Chengdu's foreign provident fund loan policy
Employees who have paid the provident fund in Chengde can buy houses in non-paid areas of four cities. In addition to the original choice of applying for provident fund loans in different places, you can choose to apply for provident fund loans from the provident fund deposit center and implement the loan management policies of the provident fund deposit center, such as the criteria for determining the number of housing units and the way of mortgage guarantee. For example, employees who save money in Chengdu to buy a house in Meishan can apply for provident fund loans from Meishan Center or Chengdu Center.
Housing accumulation fund:
Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
From July 1 2065438, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development.
On 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on.
Development:
20 1 1 The Ministry of Housing and Urban-Rural Development, together with other departments, is studying and revising the Regulations on the Management of Housing Provident Funds, and liberalizing the provision that individuals withdraw provident funds to pay housing rent. 20 13 some cities have introduced measures to allow employees suffering from major diseases or their immediate family members to withdraw provident fund for emergency.
20 14 Three departments issued a document to cancel the housing accumulation fund, individual housing loan insurance, notarization, new house evaluation and compulsory agency guarantee, so as to reduce the burden on loan workers.
20 15 "regulations on the management of housing provident fund (revised draft for comments)" proposes that the contribution ratio of housing provident fund for employees and units shall not be lower than 5% and higher than 12%. From February 2, 2006 to February 0, 2006, the deposit interest rate of employee housing provident fund account was adjusted to be based on the one-year fixed deposit benchmark interest rate, and the increased interest rate was 1.50%.
From July, 2065438 to July, 2007, all housing provident fund management centers in China will be "networked" to handle the transfer and connection of housing provident fund in different places through a unified platform.
On May 5, 20 18, Beijing Housing Provident Fund Management Center issued the Notice on Cancelling the Copy of Identification Materials as a Requirement for Withdrawing Housing Provident Fund and Handling Loan Business.
On 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on.