1. How to use Bank of Communications credit card loan to buy a car in Xi'an?

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2. How to buy a car with a Bank of Communications credit card loan?

If the following conditions are met, you can use a Bank of Communications credit card loan to buy a car;

1. The other party has a POS machine that can make purchases and swipe the card;

2. The consumer's credit card has sufficient limit for consumption;

3. Apply for installment repayment after swiping the card. But it should be noted that after swiping a credit card, the consumption swiped on the card must be paid off in a timely manner according to regulations.

3. Bank of Communications credit card e-car loan and Bank of Communications credit card installment loan to buy a car

Credit card car purchase is a very common way to buy a car with a loan today, and many banks have withdrawn. With this service, Bank of Communications has launched the "e-car loan" service to meet the public's car purchase needs. Anyone with a valid identity certificate, a fixed local residence, a fixed job, a stable income, and the ability to repay can apply. Introduction to Bank of Communications Credit Card e-Car Loan The "e-Car Loan" product has optimized the process to meet the needs of car buyers. Car buyers can apply for a loan line in advance from the bank when selecting the target car model. The bank will give the car buyer a loan limit within a certain period after approval. of credit limit. After signing the car purchase contract, car buyers can apply for loans on their own in real time, and swipe their card to pick up the car at a 4S store designated by the Bank of Communications. The car purchase procedure is exactly the same as that of a full-pay car purchase, and there is no need to wait. Bank of Communications e-car loan application conditions: 1. Hold a valid identity certificate, have a fixed local residence, fixed occupation and stable income; 2. Have the ability to repay and have no bad credit record; 3. Be a natural person with full capacity for civil conduct; 4. Bank of Communications Other application conditions required. The specific process is as follows: 1. First select the car payment, and ask the bank whether you can get a loan and what the loan amount is. 2. Whenever a loan application is made at a car sales store and relevant information is submitted, the relevant person in charge will submit the application to the bank. 3. The bank will grant the individual a certain amount after approving the personal information. 4. The car buyer will go through the mortgage, insurance and other procedures. 5. The bank will issue the loan. loan. Detailed description of the 4 major advantages of Bank of Communications credit card e-car loan 1. Unique electronic functions, easy and simple car loans with complete electronic channel functions, allowing customers to independently arrange the use and repayment of the loan at any time according to their family income and expenditure, every day, 365 days a year 24 hours a day, e-car loan supports customers to borrow and repay at any time. 2. The process is optimized and convenient. No matter who you are, everyone hopes to take possession of their car as soon as possible. Therefore, the Bank of Communications e-car loan has optimized the process. Car buyers can apply for a loan line in advance from the Bank of Communications when selecting the target model. After approval, the Bank of Communications will give the car buyer a credit limit available within a certain period. The car buyer can After signing a car purchase contract, you can apply for a loan on your own in real time, and swipe your card to pick up the car at a 4S store designated by Bank of Communications. The car purchase procedure is exactly the same as a full-pay car purchase, and there is no need to wait. 3. Low expenses and low expected annualized interest rates. Loan fees are the most important point when buying a car. E-car loan expenses are low and the expected annual interest rate is low. Car buyers can rest assured that their wallets will “spend less money”. Why do you say this? We might as well compare "e-car loan" with a bank's credit card installment plan. Based on a loan principal of 200,000 yuan and a loan period of two years, we first calculated it through a bank's credit card installment website. The loan handling fee is 19,000 yuan. , and when using Bank of Communications' "e-Car Loan" and choosing the equal principal repayment method, calculated based on the benchmark expected annual interest rate, you only need to pay interest of 13,333 yuan, saving 5,667 yuan. 4. There are many guarantee methods and the application is flexible. According to reports, the guarantee of "e-car loan" can be provided by four guarantee methods: mortgage, pledge, guarantee and credit, or a combination of guarantee methods. Among them, the mortgages are mainly houses, commercial houses and commercial and residential buildings. If houses are used as collateral, the amount shall not exceed 70% of the value of the mortgage. If commercial houses or commercial and residential houses are used as collateral, The credit limit shall not exceed 50% of the value of the collateral. Pledges include time deposit certificates, certificated treasury bonds, savings treasury bonds, etc. If you are a high-quality customer with stable income and good credit record, you can also apply for an "e-car loan" with a credit method, and the procedure is equally simple and convenient.