What are the well-known auto financing companies in China?
Car buyers can choose auto financing companies to handle car loans. When car buyers apply for car loans, they should weigh the expected annualized interest rate of loans, loan speed and other factors. Compared with small auto financing companies, big and well-known auto financing companies are more trustworthy for car buyers.
Top Ten Auto Finance Companies in China
1 Beijing Hyundai Motor Finance Co., Ltd.
2 Mercedes-Benz Auto Finance Company Limited
3 Chongqing Automobile Finance Co., Ltd.
4 FAW Automobile Finance Co., Ltd.
5 GAC Huili Automobile Finance Co., Ltd.
6 Ruifude Automobile Finance Co., Ltd.
7 SAIC General Motors Finance Limited
Volkswagen Finance (China) Co., Ltd.
Toyota Motor Finance (China) Co., Ltd.
10 Shenlong Automobile Finance Co., Ltd.
Introduction of auto financing company loan:
CreditEase-Cheyi Loan is a loan provided by CreditEase Pratt & Whitney Information Consulting (Beijing) Co., Ltd. for car buyers. It has the characteristics of no parking, 0 expected annualized interest rate and high quota (up to 500,000).
Xinhe Huijin-Cheyi Loan is an automobile loan product of Xinhe Huijin Information Consulting (Beijing) Co., Ltd., which provides mortgage and mortgage loans for car buyers.
What are the company names of the car loan platform?
Car loan platform companies are: SAIC-GM, Volkswagen, Dongfeng, Mercedes-Benz, Ford and Toyota.
Automobile industry has long been the pillar industry of China's economic development, because the whole vehicle manufacturing industry chain is long and wide, which has a great promoting effect on stimulating economy and consumption. During the 20 19 session, the government work report emphasized the promotion of domestic demand and the stabilization of automobile consumption, which once again clarified the pillar position of the automobile industry. Auto finance means that when consumers need a loan to buy a car, they can directly apply for preferential payment from auto finance companies, and they can choose different models and different payment methods according to their personal needs. Compared with banks, auto finance is a new choice for car purchase. At present, there are five ways of personal automobile consumption loan: bank, auto financing company, auto factory finance company, credit card installment car purchase, and auto financing lease.
1) bank car loan
Procedures: you need to provide household registration book, real estate license and other information, and usually you need to use the house as collateral, find a guarantee company to guarantee, and pay the deposit and handling fee.
Down payment: Generally, the down payment is 30% of the car price, and the loan period is generally 3 years. Need to pay a deposit of about 65,438+00% of the car price and related handling fees.
Interest rate: the bank's car loan interest rate is determined according to the bank's interest rate.
2) Auto Finance Company
Procedures: car buyers do not need to provide any guarantee, as long as they have a fixed occupation and residence, a stable income and repayment ability, and good personal credit.
Down payment: the down payment ratio is low and the loan time is long. The minimum down payment is 20% of the car price, and the longest life is 5 years, without paying the mortgage fee.
Interest rate: The interest rate of auto financing companies is usually higher than that of banks.
Companies: SAIC General Finance, Volkswagen Finance, Dongfeng Motor Finance, Mercedes-Benz Finance, Ford Finance and Toyota Finance.
3) Automobile Factory Finance Company
Procedures: You need to provide mortgage guarantee for the purchased vehicle. The applicant should have a stable occupation, domicile and repayment source, and have a good credit record.
Down payment: the minimum down payment is 20% of the car price, and the longest period is 5 years.
Interest rate: The interest rate is usually slightly higher than that of banks and slightly lower than that of auto financing companies.
Companies: SAIC Finance Company, FAW Finance Company, GAC Huili, etc.
4) Buy credit cards in installments
Car purchase by credit card installment is a credit card installment business launched by banking institutions. The credit limit that the cardholder can apply for is 200,000-200,000; There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for buying a car by credit installment, and the bank only charges a handling fee. The handling fee rate is different in different installments.
5) Car financing lease
Financial leasing is a modern marketing method that relies on cash installment payment. On this basis, it introduces the separation of ownership and use right in leasing services, and the ownership is transferred to the lessee after the lease ends.
Procedures: the threshold is low, no mortgage is needed, and non-local accounts are also acceptable.
Down payment: the down payment ratio is low and the loan time is long. The minimum down payment is 20% of the package price (vehicle purchase tax insurance), and the longest period is 5 years, without paying the mortgage fee.
Interest rate: Financial leasing companies customize different interest rate schemes according to different customers and modes. Usually higher than banks, but some models have manufacturers' support policies, which can reach the lowest market price.
Property right: There are two ways: direct lease and leaseback. The property right of the direct-rental car belongs to the financial leasing company, and it will be transferred when the lease expires.
Automobile loan cooperative unit
SAIC General Motors Finance Co., Ltd.
The highest ranking is SAIC General Motors Finance Co., Ltd. (joint venture). Founded in 2004, it belongs to SAIC. The registered capital of the company is 6.5 billion. In 20 19 years, the company's total assets121700 million, operating income of 7 billion, net profit of 31520 thousand, and main credit rating of AAA.
Which companies does Zhengzhou Automobile Installment Loan Company have?
In Zhengzhou, many people actually don't choose the full amount when buying a car. On the one hand, they can't open it, on the other hand, they may want to use the money elsewhere. At this time, choosing a company to buy a car by stages is the first choice of many people. Then, which companies does Zhengzhou Automobile Installment Loan Company have?
In fact, there are many installment loan companies in Zhengzhou, which makes us take a detour. Let's take stock of some professional and reliable companies for everyone.
1, Zhengzhou automobile installment loan co., ltd.
Zhengzhou automobile installment loan co., ltd is a new service-oriented quasi-financial institution. Established with the approval of the Provincial Department of Industry and Information Technology, a professional automobile installment loan company legally operating within the administrative area of Zhengzhou City. Generally, the down payment is 20-50% of the car price, and the loan period is generally 3 years. The loan interest depends on the fluctuation of the bank interest rate. At the same time, relatively few approval materials are needed.
3. CreditEase Car Loan
CreditEase Group is an Internet trading platform built by Internet giants such as Tencent, JD.COM, Baidu and Easy Car with a capital injection of/kloc-0.00 billion yuan. Many Zhengzhou citizens also use the installment loan of CreditEase Car Loan. The online approval of Yixin car loan is fast, the fastest online approval is 10 second, and the loan is released on the same day, and some products realize online real-time lending. At the same time, it saves money and trouble, with zero interest and low monthly supply. Online payment of 1 yuan can reach the down payment of 1 ,000 yuan, and you only need your ID card to get a loan.
4. Henan Yukai Automobile Trading Co., Ltd..
Zhengzhou Loan Company has Henan Yukai Automobile Trading Co., Ltd., which is located on the 6th-8th floor of the Peak Building at the intersection of North Ring Road and Zhongzhou Avenue. It is the top automobile installment loan company in Zhengzhou, focusing on the main business of automobile installment.
Can I sell it during the car loan period? Don't be naive.
What are the requirements for a car loan? The loan platform is very important.
Through introduction, everyone knows which companies Zhengzhou Automobile Installment Loan Company has. Choosing a reliable car installment loan company can save you a lot of things.
To provide you with a wealth of car installment loan products, quickly match the appropriate loan products, low threshold, fast lending, you deserve it.
What are the biggest auto loan websites?
Shenzhen Yixin automobile loan co., ltd
The largest car loan platform is Shenzhen Yixin Car Loan Co., Ltd., which specializes in providing car mortgage, automobile mortgage, non-car loans and car services.
Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also called auto mortgage. Object of loan: The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct. Loan conditions: the borrower has a stable job, the ability to repay the principal and interest of the loan, and 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.
Let's not talk about the ranking of car loan companies.