You don't have to apply for a bank credit card to get a bank loan. According to the current situation, there is no need to apply for a bank credit card for general loans. After the loan application is successful, the lender only needs to repay the monthly payment on time every month, and the repayment method is usually transfer deduction. In other words, the bank or another lending institution will deduct the money within the agreed repayment time. Only lenders apply for credit cards to buy cars. For this kind of loan, the bank requires the lender to apply for a bank credit card. When a bank handles mortgage loans or mortgage loans, the lending bank will have a series of bundled sales behaviors, requiring you to handle credit cards, and both loan accounts and repayment accounts should be opened at the lending bank. This is a promotion strategy after the bank's tasks are linked. You can refuse the bank's card request. If the bank insists on coercing customers to apply for a card, it can complain to the local banking supervision department.
If you have a large credit card, which is more suitable, a loan or a credit card?
It is definitely more suitable for loans. If credit cards are better than loans, people don't have to submit all kinds of materials and queue up to apply for bank loans.
Buying a house with a credit card is no longer feasible at present.
There were some real estate speculators before, and some of them just needed to swipe their cards or cash out to buy a house. However, since last year, the regulatory authorities have stepped up their supervision over illegal bank lending and strictly controlled the entry of bank consumer loans into the property market.
Credit card itself belongs to the category of consumer credit and can only be used for consumption. Many people have actually used credit cards in violation of regulations, so now banks dare not let users buy houses by swiping credit cards under the supervision environment. If it is detected that credit cards are illegally cashed into the property market, they may be dealt with at any time.
Moreover, at present, developers are basically unwilling to accept credit cards to buy houses.
At present, developers or landlords basically do not accept buying a house by credit card because they have to pay a higher handling fee. In the past, the credit card processing fee was capped in 26 yuan, but in 20 16, the National Development and Reform Commission and the People's Bank of China issued the Notice on Improving the Pricing Mechanism of Credit Card Processing Fee, requiring that the credit card processing fee for POS machines be implemented according to the new standard from September 6th. That is, from September 6, 20 16, as long as the credit card is swiped on the POS machine, the merchant will pay the handling fee according to the actual transaction amount and the rate stipulated by the bank, with no upper limit.
For example, in the past, the payment of 200,000 yuan only required the handling fee of 26 yuan, but now it requires the handling fee of around 1.200 yuan, and developers are unwilling to accept credit card purchases.
Most importantly, buying a house with a loan is more cost-effective and practical than using a credit card.
First of all, the loan term is very long, up to 30 years, and you just need to repay it on time every month. Theoretically, the longest term of a credit card is only 36 months, mostly 24 months. This is under the premise that you have to pay in full every month if you don't pay it back in installments, and the repayment pressure is very great.
Secondly, the loan amount is large. As long as it meets the requirements of mortgage loan, the loan amount can be tens of thousands to tens of millions or even hundreds of millions, while the credit card amount is limited. At present, the amount of a single credit card is mostly within 654.38+ 10,000. After all, there are only a few people who really have hundreds of thousands of credit cards, and the credit card limit of so many people is not enough to buy a house. Even if you have multiple credit cards, repayment is very troublesome.
Finally, the interest rate of loans is much lower than that of credit cards. At present, the benchmark interest rate of mortgage loans for more than five years is 4.9%, and the total interest of 1 ten thousand loans for 30 years is about 9 1 ten thousand.
At present, the credit card handling fee is about 0.6%, 7.2% a year, which is 2.3% more than the bank's benchmark interest rate. It is not cost-effective for you to cash your credit card every month.
Even if the credit card is repaid in installments, the handling fee is about 0.65% per month and 7.8% per year, which is higher.
Of course, if you can find a low-cost pos machine to swipe your card, and the credit card amount is sufficient, the repayment fee may be less than the loan. At present, some pos machines only charge about 0.38%, and the annual fee is 4.56%, which is lower than the bank loan interest rate. However, if you do this all the year round, there is a risk of card jam. Once the card is blocked, you are in big trouble.
Which is better, a 4S shop loan or a credit card?
Credit cards are definitely better. First of all, a 4S shop loan requires you a lot of procedures, as well as management fees and renewal fees. You must also buy a theft insurance, which is about 6000 to 7000 more than buying a car in full. Moreover, the insurance policy and vehicle registration certificate of the loan can not be taken out, and all of them are mortgaged in banks or financial companies. There is a little handling fee for using credit cards.
Which is more cost-effective, bank car loan or credit card installment car purchase?
Bank car loan is more cost-effective, and car consumption loan repayment is more flexible. Its longest term can reach five years, and it can provide equal principal and interest. The capital is average, and the repayment method of down payment or paying more and less in the middle is much more flexible than credit card installment, which is suitable for people with phased income. For people who change cars frequently, it is also a way to reduce the cost of car purchase.
The amount of automobile consumption loan is much higher than that of credit card installment. Credit card installment purchase is mainly aimed at individuals or families who buy cars for the first time. Generally speaking, the upper limit of staging is 200,000 yuan. Bank car loans can reach up to 80% of the car price, and the loan amount can be enlarged to 500,000 yuan.
Credit card installment car purchase process
(1) filing an application. After you are optimistic about the vehicle to be purchased, fill out the Application Form for Automobile Consumption Loan and the Credit Status Questionnaire, and submit them to the loan bank together with the relevant certificates of personal situation.
(2) The bank conducts pre-loan investigation and approval. If the loan conditions are met, the bank will promptly notify the borrower to fill in various forms.
(three) notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures.
(4) Loans issued by banks (directly transferred by banks to the account of automobile dealers).
(5) The borrower pays the down payment to the car dealership, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank.