From now on, as long as you buy a car with a price of more than 50,000 yuan, you can apply for car loan installment in China Bank. The specific handling fee is calculated as follows:
There are 6 months in stages, 12 months, 18 months, 24 months and 36 months. The specific number of stages available depends on the situation of the merchant.
The installment deduction of automobile installment business adopts the equal monthly deduction method, and the whole account is recorded. When the total amount is not divisible by the number of periods, the remaining amount will be deducted from the first recorded amount.
For example, Ms. Zhang's credit card has an initial credit limit of 30,000 yuan, and has successfully applied for a "car installment limit" of 65,438+10,000 yuan, and has executed 24 installment transactions, with an installment fee rate of 7%. Then, the first installment transaction amount should be 465.438+082 yuan; The repayment amount in the last 23 installments is 4 166 yuan; The handling fee is 7000 yuan. The total amount to be repaid in the first installment is 1 182 yuan, and the minimum repayment amount in the first installment is1182 yuan.
Remarks: The installment fee rate is slightly different among branches. For details, please call the local branch of Bank of China at 95566.
You must pay for these car loans.
When applying for a car loan, you are often asked to pay a certain fee. Do you know how to calculate the car loan fee? I sorted out the handling fee for your car loan, and I know how to calculate it. You will be an insider in the future.
Automobile loan fees include insurance premium, notarized mortgage fee, credit investigation fee, installment fee, etc. Please refer to the following for the specific calculation method:
1. car loan down payment.
Generally speaking, the down payment is generally 40% of the car price. Of course, there are also borrowers with better qualifications, such as high-income customers of institutions or large companies, which can be appropriately relaxed to 30%.
2. New car insurance premium.
Part of the insurance to be paid is compulsory national insurance, which all car buyers need to pay. The other part is the cost of commercial auto insurance, such as car damage insurance, three-way insurance and vehicle liability insurance. Among the commercial auto insurance costs, there are many types of insurance involved, and the auto insurance costs are directly related to the car price of the car buyers, and the types of insurance in different regions may be slightly different.
3. Notarized mortgage fee
Mainly notary fees and mortgage fees. In general, the notarized mortgage fee for vehicles is about 1000 yuan.
4. Credit investigation fee
The credit fee is 65438+ 0% of the loan amount.
5. Installment fee
Buying a car with a credit card loan requires an installment fee. General 12 installment total cost is above 10%.
6. Mortgage costs
The mortgage fee is 3%.
7. License fee
The car loan fee also includes the license fee. Literally, the license fee is the cost of handling a car license. The new car licensing fee mainly includes the fee paid for the online inspection of new cars, the fee for taking photos of extension numbers and the fee for licensing new cars. In the end, it will probably be around 300 yuan, and it is possible that the expenses incurred in different regions are slightly different.
8. Performance bond
To put it simply, the guarantee money paid at the time of loan is close. After the mortgage loan is completed, the borrower will refund the deposit in full, and the vehicle below 300,000 will be charged 3,000 yuan.
9. Credit fee
Editor's note: Many friends may think that some extra expenses are small money, and never delve into them. You will understand how deep the water is. I suggest that you fully understand your legitimate rights and interests before paying the car loan fee. Friends who have more loan needs can come and have a look. There are many loan products here, and there is always one for you. Match products that meet your qualifications for you.
What handling fee does China Merchants Bank need to buy a car with a credit card loan? These two expenses are essential!
China Merchants Bank needs to pay a fixed fee for buying a car with a credit card loan, which is related to the capital cost and operating cost. However, some models have a 0 handling fee discount in stages. So under normal circumstances, what handling fee does China Merchants Bank need to pay for credit card loans? Let's first understand the handling fee for buying a car with a credit card loan from China Merchants Bank.
China merchants bank credit card loan car purchase fee
1. Charge reason
If you handle the installment business of China Merchants Bank's credit card loan car, including capital cost and operating cost, there will be a certain installment fee. There are two modes for the installment fee of China Merchants Bank: one-time charging mode and installment charging mode. The one-time charging mode is to pay all the expenses in one lump sum in the first installment, so even if the repayment is made in advance, the installment fee cannot be reduced.
2, the handling fee calculation formula
Installment fee = installment amount × installment fee rate, and installment fee will be charged on a monthly basis.
3. Expense installment rate
5.5% of 12, 24 10.5% of 14.5% of/kloc-0, 3614.5%, and a single vehicle supports 0 handling fee.
3. Cost sharing model
The fixed total rate will be charged in equal installments (months). If it is not divisible, it shall be rounded to two decimal places, and the remaining handling fee shall be charged at one time in the last month.
The installment fee of China Merchants Bank's credit card loan is 12 5.5%, 24 10.5%, and 36 14.5%. Compared with traditional car loans, the rate is still favorable. However, it should be noted that as a bank credit card loan to buy a car, the loan records will definitely be collected at the meeting, and the repayment records of each period will also be recorded. Therefore, I suggest that everyone must repay in time and maintain personal credit information.
Introduction to popular reading:
How much is the credit card loan fee of China Merchants Bank? The higher the number of installments, the higher the handling fee!
What is the interest rate of credit card installment loan of China Merchants Bank? The minimum handling fee is 0.75%
How much is the car loan fee?
Car loan fees include: performance bond, notarized mortgage fee, credit investigation fee, installment fee, etc.
The specific calculation method is as follows:
1. Performance guarantee: 3% of the loan amount, 3,000 yuan less than 3,000 yuan, which can be refunded after the loan is paid off.
2. Notarized mortgage fee: 800 yuan.
3. Credit fee: 65438+ 0% of the loan amount.
4. Installment fee: the installment fee is required for buying a car with a credit card loan, and the total installment fee is above 12.
5. Mortgage fee: 3%.
Automobile loan process:
1, apply. After you are optimistic about the vehicle to be purchased, fill in 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. After accepting the loan application, the bank will investigate the credit status of the borrower and guarantor. If it meets the requirements, the bank will promptly notify and fill in various forms.
3. Notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures.
4. The bank issues loans (the bank transfers money directly to the car dealer's account).
5. The borrower pays the down payment to the car dealer, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank.
For more information about the general handling fee for car loans, please visit: See More.
I'll teach you how to calculate the handling fee for buying a car with a loan from CCB.
We all know that it is more cost-effective to borrow money from banks to buy a car, especially for the four major banks. How much do you know about the handling fee of CCB loan to buy a car? Let's take a look together.
There is no interest in using CCB credit card to buy a car, but the bank will charge a certain fee or waive it according to the number of periods selected by the car buyer. The installment fee for car purchase is generally charged at one time, and the bill for the first month after swiping the card will be reflected. According to the different dealers or models selected by users, the handling fee rate will be different.
China Construction Bank provides 12 (one year), 18 (one and a half years), 24 (two years) and 36 (three years) car purchase installment services, and the cardholder fee = installment amount × cardholder fee rate.
How to calculate the handling fee for buying a car with CCB loan? If there is no interest, take a car with a total price of 1.5 million as an example, and the minimum down payment ratio is 30% of the car price, then the down payment of 30% means the maximum loan amount is 1.05 million yuan. Generally, according to the regulations of the bank, the down payment is 50,000 yuan, and the total installment amount is 654.38+ 10,000 yuan. Pay in installments according to 12, with monthly repayment of 10000/ 12 = 8333 yuan and handling fee of 100000 yuan. It can be seen that if the car loan is interest-free, the total cost of buying a car is 153500 yuan.
It should be noted that generally, only the installment payment with a long term can be exempted from the handling fee.
How much is the installment fee for CCB credit card to buy a car? How to calculate?
There are more and more banks that can use credit cards to buy cars in installments. As far as netizens share, it is worth seeing that CCB credit cards buy cars in installments. What I present to you today is the installment fee and calculation method of CCB credit card to buy a car.
How much is the installment fee for CCB credit card to buy a car?
1. CCB's credit card car purchase stages can generally be divided into 12, 18, 24, 36 and 48, and the down payment ratio is generally 30%, 40% and 50%, which actually fluctuates slightly according to the vehicle type;
2. The range of car purchase by installment is generally 200,000-500,000 yuan, and the maximum installment amount is 800,000 yuan. According to different models, the range of installment amount is different;
3. regarding the handling fee, there will be real-time transfer, and the purchase during the event can be free of handling fee.
How to calculate the installment fee for buying a car with CCB credit card?
1, one-time fee.
Handling fee amount = actual installment amount × cardholder handling fee rate, and the handling fee will be recorded in one lump sum on the first billing day after the transaction is completed, and the full amount will be recorded in the minimum repayment amount of the credit card.
2. Installment charges
Handling fee payable for each installment = actual installment amount × cardholder's monthly rate. According to the number of transaction periods, it is recorded monthly from the first billing date after the transaction is completed, and the full amount is included in the minimum repayment amount of the credit card.
As for one-time payment or installment payment, users can choose by themselves, and they can't run away anyway.
This is the end of the introduction on how to calculate the car loan credit card handling fee and how to calculate the car loan credit card handling fee. I wonder if you have found the information you need?