How to apply for car installment with Pufa Credit Card? Is it okay without a credit card?
What should I do if I don’t have money and want to buy a car? This is very simple. You can apply for the car installment business with Pudong Development Credit Card. You only need to pay a down payment of 10% to 30% to take your car home. So, how to handle the Shanghai Pudong Development Credit Card car installment business? What conditions need to be met? Can I apply without a credit card? Let’s find out together below.
Conditions for Shanghai Pudong Development Credit Card car installment:
1. You need to submit your ID card, residence permit, and income proof materials;
2. Good personal credit, with Stable job and ability to repay;
3. You can apply for yourself or your immediate family members, such as parents, children, and spouses.
Pudong Development Credit Card Car Installment Process:
Pudong Development Credit Card Car Installment is relatively simple and only requires three steps to apply. The specific process is as follows:
1. Submit application materials : Visit the designated car dealer at the Shanghai Pudong Development Credit Card Center to view the car. After confirming the car model, submit the materials to the sales staff of Shanghai Pudong Development Bank and wait for the bank to review and approve the car and grant a loan limit.
2. Submit payment materials: After receiving the bank approval result notification, go to the dealer to pay the down payment, and then submit the payment materials to Shanghai Pudong Development Bank;
3. Go to the merchant to pick up the car. : Receive the car pickup notice from the merchant and drive the car home.
Can I apply for car installment without a credit card?
Yes. You need to fill in the "Application Form for Shanghai Pudong Development Bank Credit Card Car Installment Business" and apply for Shanghai Pudong Development Bank Credit Card and Car Installment Business at the same time.
The above is the relevant introduction to "How to apply for car installment with Pufa Credit Card? Can I do it without a credit card?" I hope it will be helpful to everyone. Although the Shanghai Pudong Development Credit Card car installment process is relatively simple, you can apply without a credit card, but whether it can be approved has to be decided by the bank. That is to say, it does not mean that you can apply successfully. It is still determined by your credit status. It is recommended When applying, try to provide proof of deposit and property information.
How to buy a car in installments with a Shanghai Pudong Development Bank credit card and the handling fees
Do you know what it means to buy a car in installments with a credit card? What information do I need to provide when purchasing a car by installment with a Shanghai Pudong Development Bank credit card? What is the application method? How much can be divided and what is the handling fee? How to calculate it?
When buying a car in installments with a credit card, users need to provide identification documents such as ID card, household registration book, and marriage certificate; work certification documents such as work/income certificate issued by the unit, or business card, social security payment account number etc.; asset certification documents, that is, real estate certificates, bank statements for monthly wages and bonuses, etc.
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The advantages and disadvantages of using a large credit card to buy a car
1. Shanghai Pudong Development Bank credit card installment car purchase business:
The car installment business means that Shanghai Pudong Development Bank credit card holders who purchase designated brands and models of cars from designated car dealers at the Shanghai Pudong Development Bank Credit Card Center can apply for installment payment from the Credit Card Center. After the application is approved and the cardholder pays the down payment and handles insurance and other necessary procedures, the credit card center will advance to the merchant the remaining amount of the total price of the vehicle purchased by the cardholder (referring to the vehicle purchase invoice amount), and the cardholder will then follow It is agreed that the installment amount will be repaid in several installments and a certain handling fee will be paid.
Related reading: Buy a car with a large credit card with zero down payment? A must-see for car buyers!
2. How to apply for installment car purchase with Shanghai Pudong Development Bank credit card:
(1) Go to the merchant to confirm the car model and submit application materials to the Shanghai Pudong Development Bank sales staff;
( 2) Receive the approval result notification and submit the payment materials to Shanghai Pudong Development Bank after paying the down payment;
(3) Receive the car pick-up notification from the merchant and drive the car home easily!
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3. The number of installments and handling rates:
The handling rate for each installment
The handling rate for each installment
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12th period 4%-5.5%
24th period 8%-10.5%
36th period 12%-14.5%
Extended reading< /p>
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4. Installment repayment method
The principal repayment of each installment is based on the number of installments applied by the cardholder and approved by the Pudong Development Credit Card Center, with one installment per month, and the average Amortized. Less than one month will be charged as one month. The handling fee is charged monthly based on the principal amount of consumption multiplied by the handling rate. The installment principal and monthly handling fee will be fully included in the minimum payable amount for the current period.
Generally speaking, there is no interest when buying a car by installment payment with a credit card, and there will be some expenses in handling fees. However, for the lower handling fees, it is still a better loan than the other two loan methods. Good choice.
Extended reading: The bank did not tell you about the credit card installment repayment fees
How to apply for car installments with Shanghai Pudong Development Bank credit card
Users who plan to buy a car can consider Shanghai Pudong Development Bank Credit card installment business has no model restrictions and can be handled directly at any dealer. If you don’t have a Pudong Development Bank credit card, you only need to fill in the form and apply on the spot. It is still worth it for users who are short of funds in the short term.
The car installment business means that Shanghai Pudong Development Bank credit card holders who purchase designated brands and models of cars from the designated car dealers of the Shanghai Pudong Development Bank Credit Card Center can apply for installment payment from the Credit Card Center. After the application is approved and the cardholder pays the down payment and handles necessary procedures such as insurance, the credit card center will advance the remaining amount of the total price of the vehicle purchased by the cardholder (referring to the purchase invoice amount) to the merchant, and the cardholder will then follow It is agreed that the installment amount will be repaid in several installments and a certain handling fee will be paid.
Apply for a Pudong Development Bank credit card immediately and get the card as soon as 24 hours
Application method:
(1) Go to the merchant to confirm the car model and submit the application to the Shanghai Pudong Development Bank sales staff materials;
(2) Receive the approval result notification, and submit the payment materials to Shanghai Pudong Development Bank after paying the down payment;
(3) Receive the car pick-up notice from the merchant, and drive the car easily go home!
Remarks: Calculation method of handling fee
1. After paying the handling fee, you do not need to pay interest. Pudong Development Bank interest-free installment
2. No mortgage is required Other assets
3. A minimum down payment ranging from 10% to 30% is required
4. To apply for car purchase installments, you only need to bring your ID card, proof of residence, and proof of income. Yes
5. There are no restrictions on the specific car models. You can buy a car at any dealer and apply for installments
6. The handling fee is paid once, and the full amount can be paid back in advance. The handling fee is not refundable.
This is the end of the introduction on how to buy a car in installments with a Pudong Development Credit Card and how to buy a car in installments with a Pudong Development Credit Card. I wonder if you found the information you need?