1. Telephone inquiry: users can call the customer service hotline of CCB, usually after providing some basic information of themselves, the customer service staff can inform the relevant loan inquiry results.
2. Personal online banking inquiry: Users can log in to CCB's personal online banking from the browser and find "Loan Service-My Loan" to view the relevant CCB car loan information and know their remaining loan periods.
3. mobile banking inquiry: download the latest version of mobile banking, China Construction Bank, register and log in your account, and find the "loan" on the page, then you can check the information of the car loan that has been processed, and you can see the number of remaining repayment periods in detail.
China Construction Bank is one of the four largest state-owned banks in China, which covers various loan types, and car loan is one of them. Although CCB is a state-owned bank, it is not difficult to apply for a car loan as long as it meets the loan conditions, and its loan funds are abundant, so it will be faster to apply for a loan.
car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio between the loan amount and the principal that the bank gives to consumers, that is, borrowers, to buy cars for their own use (non-profit-making family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.
Types of car loans
Personal car loans can be divided into direct car loans, indirect car loans and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly for loans, and the indirect customer type is generally a car loan for auto finance companies to transfer customers' car loans.
For direct bank car loans, the fees are deposit, principal and interest, 3% guarantee fee, etc., and the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.
In addition to paying the above fees, the car loan of an individual car finance company also needs to bear the supervision fee, fleet management fee and warranty renewal deposit
There is also a credit card car loan. The credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is also an audit procedure, so it is difficult for credit card users with bad credit records to handle it.
The specific steps of buying a car by credit card are as follows:
1. The cardholder (or applicant) calls the credit card center of the bank or goes to the local bank to find out whether he can apply for a credit card car loan.
2. The cardholder, with his/her ID card, goes to the dealer's office to fill in the installment order for car purchase, and submits it to the bank's backstage for review.
3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures.
4. After the vehicle is licensed, the cardholder needs to go through the mortgage formalities with the bank and purchase the required auto insurance.
5. Finally, we can drive our car away smoothly.
loan amount
The maximum loan amount generally does not exceed 8% of the price of the purchased car.
loan conditions
1. Have valid identification and full capacity for civil conduct;
2. Can provide fixed and detailed proof of address;
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 stipulated by the cooperative organization.
Application materials
1. Original ID card, household registration book or other valid residence documents, and provide their copies;
2. Proof of occupation and economic income, and running list of personal accounts in the past 6 months;
3. The car purchase agreement, contract or letter of intent signed with the dealer;
4. Other documents required by the cooperative organization.