Reliable. Dongfeng Finance (version: 7.0.23) car loan is a regular company and reliable.
Dongfeng Finance Online Mall is the official auto finance Internet service platform of Dongfeng Motor Finance Co., Ltd., a subsidiary of Dongfeng Motor Company, a global top 500 enterprise, which was released on 20 17. The customer service telephone number of Dongfeng Finance is 400-088-5678, and the service hours are 9:00-2 1:00, except holidays.
First, the time required for the approval of Dongfeng Financial Car Loan;
1. As long as the relevant information provided by the car buyer is true and correct, Dongfeng Finance's car loan approval can generally give the result within 5 working days. If it is a legal holiday, there will usually be a special person for approval, but it will take about 7 working days.
2. In addition, car buyers should note that Dongfeng Finance has now cooperated with the central bank. After the car buyer applies for a loan, it will be recorded in the personal credit report, which will show both the loan record and the repayment record. Therefore, everyone must pay attention to repayment on time to avoid overdue influence on credit reporting.
2. What are the loan application conditions?
1. To apply for a car loan in Dongfeng Finance, the lender needs to be 18-65 years old, should have a stable job or income source, and it is best to provide proof of income. At the same time, the lender also needs bank cards from four major banks, such as Industrial and Commercial Bank of China and Agricultural Bank of China, with good personal credit and my ID card.
2. In addition to the above conditions, Dongfeng Finance Company still has some detailed rules to meet. The details of each branch are different. You can ask for clarification.
III. Auto finance business is divided into the following categories:
1, credit card installment finance (credit card installment, only need to pay the handling fee charged by the bank, no interest, registration certificate is not mortgaged, insurance is not compulsory, etc. ).
2. Financing of automobile manufacturers (financing of manufacturers does not charge fees or interest, but the requirements are too high).
Bank's automobile consumption loan finance (traditional bank loan, low interest, high handling fee and complicated loan).
3. Auto financing leasing company finance (it can provide full financing to reduce the early pressure, with simple procedures and slightly higher interest than banks).
Four. Materials needed for Dongfeng finance auto loan
1. Identity category: ID card, household registration book, marriage certificate and driver's license of both husband and wife. (Single proof is required for unmarried)
2. Income category: proof of income, half-year bank flow of house purchase contract, or business license and half-year tax return.
3. Residence category: real estate license, house purchase contract or homestead certificate. If not, provide the guarantor's real estate license and ID card. Only a copy of the above is required, and no mortgage is required. Prove that you are solvent. Dongfeng Nissan Finance has a minimum down payment of 30%. Divided into 1 year, 2 years and 3 years. The annual interest of 10000 yuan is probably 500 yuan. You should also specifically consult your Dongfeng Nissan franchise store.
Is the financial loan of 4s shop reliable?
Reliable. But the interest may be higher.
Loans from financial institutions are loans issued by commercial banks to various financial institutions. It mainly includes loans to correspondent banks, foreign banks, investment banks, savings and loan associations, credit cooperatives and finance companies. Although these financial institutions are lenders themselves, they partly rely on commercial banks in terms of funding sources and need commercial banks to provide financing, mainly short-term financing. Commercial banks generally stipulate a loan amount within which loans can be made. Because their loan demand is regular, they can borrow and pay back at any time. They use the interest income of the loan to pay the loan interest and make a profit from it.
main content
Loans to financial institutions mainly include loans to correspondent banks, foreign banks, investment banks, savings and loan associations, credit cooperatives and other financial companies. Although most financial institutions raise funds and issue loans by selling commercial paper, they still need to borrow short-term funds from other commercial banks. In order to ensure the short-term financing needs and the maturity of the commercial paper issued, these financial institutions often sign loan limit agreements with several large commercial banks, and repay within the loan limit, so that the interest income and expenditure of the loan can offset each other. Because of the guarantee of credit line agreement and short-term demand, this kind of loan is usually unsecured. Interest rates are also relatively low. For large financial institutions, the basic interest rate plus compensation or agreement commitment fee is usually used to determine.
Automobile loan related knowledge:
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.
Loan amount: The maximum loan amount generally does not exceed 80% of the price of the purchased car.
Loan Term: The loan term for automobile consumption is generally 1-3 years, and the longest is no more than 5 years.
Loan interest rate: uniformly stipulated by the People's Bank of China.
Repayment method: you can choose one-time repayment method of principal and interest and installment repayment method (equal principal and interest, equal capital).
Is car loan reliable?
At present, our financial services are mainly vehicle mortgage and financial leasing, which are managed by third-party payment. It is a relatively reliable auto finance platform with 100% real creditor's rights.
There are many good car loan platforms on the market. Choosing a reliable platform can be based on the following points:
1. Don't blindly pursue the highest return. The average yield of ordinary platforms is between 8%- 15%. Don't blindly pursue super-high returns regardless of the safety of funds. A good investment should be based on safety. What if the funds are not safe?
2. Whether the platform risk control system strictly controls risks is the core of the financial industry, as is p2p car loans. Risk control is related to whether the platform is safe and reliable, whether the investor's capital principal and interest are safe, and whether the platform team has relevant experience. On a safe platform, you can invest with more peace of mind.
Walk around. Choose the platform that suits you. At present, there are many car loan platforms on the market with uneven quality, which are all chosen by investors. A good platform can not only ensure the safety of your funds, but also bring you stable income.
This is the end of the introduction about whether it is reliable to buy a car with financial loans and what is the routine of buying a car with financial mortgages. I wonder if you have found the information you need?