1. How to apply for a car loan with a CCB credit card? CCB Credit Card Car Loan Guide is here
Go to the bank to apply for a car loan. There are generally two forms, mortgage or no mortgage. For convenience, many borrowers choose to use CCB credit cards to apply for car loans and purchase cars directly with consumer loans, avoiding a series of procedures such as vehicle release. How to apply for a CCB credit card car loan? CCB Credit Card Car Loan Guide is here!
How to apply for a CCB credit card car loan? CCB credit card car loan installment means that the cardholder applies to CCB to use its Long Card credit card to purchase a family car at a CCB designated dealer when the cardholder agrees to pay the down payment. After approval by China Construction Bank, the actual installment amount will be divided into several equal installments, and the cardholder will repay the loan monthly within the agreed period and pay a certain handling fee. 1. CCB Credit Card Car Loan Application Conditions Applicants must be over 18 years old and not college students; hold a CCB Dragon Card, with no credit stain on their personal credit report; have a certain ability to repay principal and interest, and have stable financial resources; hold Proof of intention to purchase the car and proof of down payment issued by the dealer. 2. Loan term and loan amount: If the vehicle purchased is for personal use, the loan amount shall not exceed 80% of the purchased car price; if the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the purchased car price. Loan period: The vehicle purchased is for personal use, and the maximum loan period shall not exceed 5 years. The vehicle purchased shall be a commercial vehicle, and the loan period shall not exceed 3 years. 3. Loan process The borrower shall prepare the loan application form, valid personal identity document, personal income certificate, car purchase intention certificate and other relevant materials and submit them to CCB. CCB will provide the approval results within 15 working days. After approval, the borrower goes to CCB to sign a loan contract, and CCB will complete the loan within 7 working days. The borrower then goes to the dealer to pick up the car, pays with a card, and repays the loan on schedule. The above is the sharing of relevant content about "CCB Credit Card Car Loans". I hope it can help everyone!
2. How to apply for a CCB credit card car loan?
Yes, if you repay the loan on time, there are no overdue repayments or bad credit records, it will not affect your normal application for a mortgage loan.
CCB credit card loan car purchase process:
① Users holding a Dragon Card can go to a 4S store that has a cooperative relationship with CCB to choose the car model they like. It is worth noting that car purchases with credit card loans are often restricted in car models, and car buyers need to choose among designated car models.
②Submit a credit card car purchase application and submit your CCB Long Card, ID card, and employment certificate or real estate certificate to the car dealer.
③The dealer submits the user application to CCB. If approved, the relevant car purchase procedures can be completed within three working days.
④The car buyer pays the down payment, applies for vehicle insurance, and the dealer submits it to the handling bank.
⑤After 2 working days, you can go to the dealer to swipe your card to pick up the car.
3. How to apply for a personal loan (car loan) from CCB Loan, why are there two bank cards?
Some banks will issue multiple credit cards. It doesn’t matter. Multiple credit cards from the same bank all share the same limit. If you don’t use it, just put them together